Home > Alton Bank > Performance and Condition Ratios
Alton Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6972% | 2,689 |
| Cost of funding earning assets | 2.3032% | 536 |
| Net interest margin | 2.3940% | 4,193 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.7702% | 1,578 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.1883% | 4,459 |
| Return on assets (ROA) | -0.1883% | 4,444 |
| Pretax return on assets | -0.1783% | 4,420 |
| Return on Equity (ROE) | -2.8200% | 4,441 |
| Retained earnings to average equity (ytd only) | -2.8199% | 4,322 |
| Net charge-offs to loans | -0.0363% | 4,301 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 106.8810% | 128 |
| Assets per employee ($millions) | 5.7847% | 3,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 2,521 |
| Loan loss allowance to noncurrent loans | 155.7870% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.3734% | 1,475 |
| Noncurrent loans to loans | 0.7420% | 1,050 |
| Net loans and leases to total assets | 49.7400% | 3,615 |
| Net loans and leases to deposits | 57.0539% | 3,664 |
| Net loans and leases to core deposits | 67.7171% | 3,418 |
| Total domestic deposits to total assets | 87.1800% | 1,617 |
| Equity capital to assets | 6.9606% | 3,957 |
| Core capital (leverage) ratio | 8.2904% | 4,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6085% | 2,687 |
| Memoranda: | ||
| Average total assets | $119,993,000 | 3,653 |
| Average earning assets | $110,193,000 | 3,647 |
| Average equity | $8,014,600 | 3,923 |
| Average total loans | $57,910,200 | 3,736 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4257% | 2,824 |
| Cost of funding earning assets | 1.9903% | 506 |
| Net interest margin | 2.4354% | 4,275 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.4479% | 2,359 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1657% | 4,320 |
| Return on assets (ROA) | 0.1657% | 4,346 |
| Pretax return on assets | 0.1787% | 4,343 |
| Return on Equity (ROE) | 2.5300% | 4,215 |
| Retained earnings to average equity (ytd only) | 2.5289% | 3,595 |
| Net charge-offs to loans | -0.0518% | 4,375 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 93.1973% | 279 |
| Assets per employee ($millions) | 5.5605% | 3,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 2,557 |
| Loan loss allowance to noncurrent loans | 262.2137% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.2244% | 2,066 |
| Noncurrent loans to loans | 0.4489% | 1,595 |
| Net loans and leases to total assets | 49.4000% | 3,595 |
| Net loans and leases to deposits | 56.4401% | 3,615 |
| Net loans and leases to core deposits | 66.9911% | 3,288 |
| Total domestic deposits to total assets | 87.5300% | 1,772 |
| Equity capital to assets | 6.9307% | 3,828 |
| Core capital (leverage) ratio | 8.3817% | 4,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9135% | 2,653 |
| Memoranda: | ||
| Average total assets | $123,125,667 | 3,646 |
| Average earning assets | $113,248,333 | 3,644 |
| Average equity | $8,066,667 | 3,945 |
| Average total loans | $57,886,667 | 3,751 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1602% | 3,118 |
| Cost of funding earning assets | 1.8773% | 386 |
| Net interest margin | 2.2830% | 4,457 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.4893% | 2,276 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.0697% | 4,521 |
| Return on assets (ROA) | -0.0697% | 4,508 |
| Pretax return on assets | -0.0697% | 4,495 |
| Return on Equity (ROE) | -1.0900% | 4,487 |
| Retained earnings to average equity (ytd only) | -1.0927% | 4,136 |
| Net charge-offs to loans | -0.0347% | 4,262 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 102.8796% | 143 |
| Assets per employee ($millions) | 6.1691% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 2,663 |
| Loan loss allowance to noncurrent loans | 320.8531% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 2,417 |
| Noncurrent loans to loans | 0.3679% | 1,829 |
| Net loans and leases to total assets | 41.7600% | 3,965 |
| Net loans and leases to deposits | 46.6963% | 4,007 |
| Net loans and leases to core deposits | 53.0334% | 3,871 |
| Total domestic deposits to total assets | 89.4200% | 1,372 |
| Equity capital to assets | 5.9762% | 4,209 |
| Core capital (leverage) ratio | 8.2769% | 4,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5923% | 2,833 |
| Memoranda: | ||
| Average total assets | $126,303,000 | 3,656 |
| Average earning assets | $116,339,500 | 3,654 |
| Average equity | $8,053,500 | 3,994 |
| Average total loans | $57,644,500 | 3,797 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2052% | 1,233 |
| Cost of funding earning assets | 0.9214% | 233 |
| Net interest margin | 3.2837% | 2,610 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.5208% | 2,045 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.8242% | 3,239 |
| Return on assets (ROA) | 0.8242% | 3,173 |
| Pretax return on assets | 0.8242% | 3,563 |
| Return on Equity (ROE) | 9.9400% | 2,830 |
| Retained earnings to average equity (ytd only) | -16.8033% | 4,685 |
| Net charge-offs to loans | 0.1105% | 681 |
| Credit loss provision to net charge-offs | 203.3898% | 1,109 |
| Earnings coverage of net charge-offs (x) | 17.6610% | 1,947 |
| Efficiency ratio | 73.0192% | 1,322 |
| Assets per employee ($millions) | 4.8702% | 3,769 |
| Cash dividends to net income (ytd only)* | 268.9805% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 2,582 |
| Loan loss allowance to noncurrent loans | 341.1168% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.1685% | 2,366 |
| Noncurrent loans to loans | 0.3400% | 1,932 |
| Net loans and leases to total assets | 49.0000% | 3,587 |
| Net loans and leases to deposits | 55.7581% | 3,590 |
| Net loans and leases to core deposits | 61.8699% | 3,396 |
| Total domestic deposits to total assets | 87.8700% | 2,115 |
| Equity capital to assets | 6.8409% | 3,748 |
| Core capital (leverage) ratio | 8.7440% | 3,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8078% | 2,784 |
| Memoranda: | ||
| Average total assets | $111,867,200 | 3,811 |
| Average earning assets | $102,231,000 | 3,814 |
| Average equity | $9,272,000 | 3,967 |
| Average total loans | $53,384,000 | 3,840 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1710% | 939 |
| Cost of funding earning assets | 0.7732% | 172 |
| Net interest margin | 3.3978% | 1,987 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.5132% | 1,983 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.9462% | 2,681 |
| Return on assets (ROA) | 0.9462% | 2,646 |
| Pretax return on assets | 0.9462% | 3,193 |
| Return on Equity (ROE) | 10.9100% | 2,413 |
| Retained earnings to average equity (ytd only) | -20.7829% | 4,730 |
| Net charge-offs to loans | 0.1455% | 451 |
| Credit loss provision to net charge-offs | 157.8947% | 1,104 |
| Earnings coverage of net charge-offs (x) | 15.3509% | 1,847 |
| Efficiency ratio | 70.4392% | 1,706 |
| Assets per employee ($millions) | 4.7911% | 3,849 |
| Cash dividends to net income (ytd only)* | 290.4459% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 2,464 |
| Loan loss allowance to noncurrent loans | 312.6214% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.1869% | 2,355 |
| Noncurrent loans to loans | 0.3878% | 1,842 |
| Net loans and leases to total assets | 47.6200% | 3,661 |
| Net loans and leases to deposits | 53.0330% | 3,663 |
| Net loans and leases to core deposits | 55.5758% | 3,649 |
| Total domestic deposits to total assets | 89.7900% | 1,747 |
| Equity capital to assets | 7.2717% | 3,359 |
| Core capital (leverage) ratio | 8.7438% | 3,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6369% | 2,609 |
| Memoranda: | ||
| Average total assets | $110,612,750 | 3,853 |
| Average earning assets | $101,044,250 | 3,854 |
| Average equity | $9,591,000 | 3,962 |
| Average total loans | $52,245,000 | 3,878 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0350% | 890 |
| Cost of funding earning assets | 0.6508% | 208 |
| Net interest margin | 3.3842% | 1,653 |
| Noninterest income to average assets | 0.4713% | 2,344 |
| Noninterest expense to average assets | 2.6149% | 1,596 |
| Loan and lease loss provision to assets | 0.1084% | 918 |
| Net operating income to assets | 0.8469% | 2,791 |
| Return on assets (ROA) | 0.8469% | 2,768 |
| Pretax return on assets | 0.8469% | 3,216 |
| Return on Equity (ROE) | 9.2715% | 2,607 |
| Retained earnings to average equity (ytd only) | -34.0615% | 4,749 |
| Net charge-offs to loans | 0.1732% | 370 |
| Credit loss provision to net charge-offs | 133.3333% | 1,145 |
| Earnings coverage of net charge-offs (x) | 11.7556% | 1,724 |
| Efficiency ratio | 73.2423% | 1,592 |
| Assets per employee ($millions) | 4.9101% | 3,749 |
| Cash dividends to net income (ytd only)* | 467.3774% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1726% | 2,833 |
| Loan loss allowance to noncurrent loans | 233.5821% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 2,185 |
| Noncurrent loans to loans | 0.5020% | 1,623 |
| Net loans and leases to total assets | 44.7727% | 3,772 |
| Net loans and leases to deposits | 49.6187% | 3,823 |
| Net loans and leases to core deposits | 51.6940% | 3,835 |
| Total domestic deposits to total assets | 90.2335% | 1,622 |
| Equity capital to assets | 7.0696% | 3,727 |
| Core capital (leverage) ratio | 8.5559% | 3,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2444% | 2,739 |
| Memoranda: | ||
| Average total assets | $110,752,000 | 3,892 |
| Average earning assets | $101,412,333 | 3,898 |
| Average equity | $10,117,000 | 3,970 |
| Average total loans | $51,954,333 | 3,928 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0455% | 707 |
| Cost of funding earning assets | 0.6347% | 214 |
| Net interest margin | 3.4108% | 1,279 |
| Noninterest income to average assets | 0.5261% | 2,014 |
| Noninterest expense to average assets | 2.5633% | 1,712 |
| Loan and lease loss provision to assets | 0.1119% | 745 |
| Net operating income to assets | 0.9589% | 2,036 |
| Return on assets (ROA) | 0.9589% | 2,032 |
| Pretax return on assets | 0.9589% | 2,577 |
| Return on Equity (ROE) | 9.3370% | 2,203 |
| Retained earnings to average equity (ytd only) | 9.3370% | 1,175 |
| Net charge-offs to loans | -0.0078% | 3,496 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5339% | 2,150 |
| Assets per employee ($millions) | 4.9109% | 3,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2301% | 2,702 |
| Loan loss allowance to noncurrent loans | 194.5455% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.3119% | 1,871 |
| Noncurrent loans to loans | 0.6323% | 1,487 |
| Net loans and leases to total assets | 47.7115% | 3,412 |
| Net loans and leases to deposits | 54.9501% | 3,347 |
| Net loans and leases to core deposits | 56.6731% | 3,399 |
| Total domestic deposits to total assets | 86.8270% | 2,986 |
| Equity capital to assets | 10.0010% | 1,887 |
| Core capital (leverage) ratio | 10.6896% | 1,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1700% | 1,732 |
| Memoranda: | ||
| Average total assets | $107,207,000 | 3,944 |
| Average earning assets | $97,689,000 | 3,951 |
| Average equity | $11,010,000 | 3,952 |
| Average total loans | $51,238,000 | 3,955 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3175% | 829 |
| Cost of funding earning assets | 0.7272% | 285 |
| Net interest margin | 3.5902% | 1,494 |
| Noninterest income to average assets | 0.5923% | 2,195 |
| Noninterest expense to average assets | 2.6090% | 1,846 |
| Loan and lease loss provision to assets | 0.1417% | 846 |
| Net operating income to assets | 1.0803% | 2,367 |
| Return on assets (ROA) | 1.0803% | 2,439 |
| Pretax return on assets | 1.0803% | 3,033 |
| Return on Equity (ROE) | 9.7327% | 2,629 |
| Retained earnings to average equity (ytd only) | 6.5037% | 2,128 |
| Net charge-offs to loans | 0.1574% | 612 |
| Credit loss provision to net charge-offs | 175.0000% | 1,388 |
| Earnings coverage of net charge-offs (x) | 15.0875% | 2,010 |
| Efficiency ratio | 68.1025% | 1,959 |
| Assets per employee ($millions) | 4.8352% | 3,861 |
| Cash dividends to net income (ytd only)* | 33.1771% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 2,810 |
| Loan loss allowance to noncurrent loans | 203.6667% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.3036% | 2,019 |
| Noncurrent loans to loans | 0.5966% | 1,646 |
| Net loans and leases to total assets | 46.6989% | 3,634 |
| Net loans and leases to deposits | 54.0068% | 3,599 |
| Net loans and leases to core deposits | 55.9540% | 3,620 |
| Total domestic deposits to total assets | 86.4686% | 2,727 |
| Equity capital to assets | 10.5429% | 2,130 |
| Core capital (leverage) ratio | 10.8816% | 1,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6320% | 2,741 |
| Memoranda: | ||
| Average total assets | $98,771,800 | 4,002 |
| Average earning assets | $89,103,000 | 4,033 |
| Average equity | $10,963,000 | 4,042 |
| Average total loans | $50,819,600 | 3,983 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3490% | 888 |
| Cost of funding earning assets | 0.7673% | 287 |
| Net interest margin | 3.5817% | 1,642 |
| Noninterest income to average assets | 0.4556% | 2,817 |
| Noninterest expense to average assets | 2.5449% | 1,986 |
| Loan and lease loss provision to assets | 0.1517% | 739 |
| Net operating income to assets | 0.9910% | 2,946 |
| Return on assets (ROA) | 0.9910% | 3,024 |
| Pretax return on assets | 0.9910% | 3,487 |
| Return on Equity (ROE) | 8.8071% | 3,166 |
| Retained earnings to average equity (ytd only) | 5.9448% | 2,843 |
| Net charge-offs to loans | 0.2146% | 385 |
| Credit loss provision to net charge-offs | 134.1463% | 1,405 |
| Earnings coverage of net charge-offs (x) | 10.1220% | 2,046 |
| Efficiency ratio | 69.0183% | 1,704 |
| Assets per employee ($millions) | 4.6993% | 3,968 |
| Cash dividends to net income (ytd only)* | 32.5000% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 3,373 |
| Loan loss allowance to noncurrent loans | 139.1827% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.5330% | 1,426 |
| Noncurrent loans to loans | 0.8004% | 1,419 |
| Net loans and leases to total assets | 49.7103% | 3,439 |
| Net loans and leases to deposits | 57.7346% | 3,432 |
| Net loans and leases to core deposits | 59.5047% | 3,505 |
| Total domestic deposits to total assets | 86.1015% | 2,707 |
| Equity capital to assets | 10.7607% | 2,209 |
| Core capital (leverage) ratio | 10.9669% | 1,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5620% | 2,840 |
| Memoranda: | ||
| Average total assets | $96,871,000 | 4,069 |
| Average earning assets | $87,405,000 | 4,100 |
| Average equity | $10,900,000 | 4,103 |
| Average total loans | $50,952,750 | 4,031 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3846% | 865 |
| Cost of funding earning assets | 0.8073% | 282 |
| Net interest margin | 3.5773% | 1,643 |
| Noninterest income to average assets | 0.4562% | 2,815 |
| Noninterest expense to average assets | 2.5428% | 2,019 |
| Loan and lease loss provision to assets | 0.1690% | 686 |
| Net operating income to assets | 0.9546% | 3,049 |
| Return on assets (ROA) | 0.9546% | 3,134 |
| Pretax return on assets | 0.9546% | 3,537 |
| Return on Equity (ROE) | 8.3510% | 3,302 |
| Retained earnings to average equity (ytd only) | 5.5797% | 2,965 |
| Net charge-offs to loans | 0.3122% | 275 |
| Credit loss provision to net charge-offs | 101.2658% | 1,353 |
| Earnings coverage of net charge-offs (x) | 6.7342% | 1,945 |
| Efficiency ratio | 69.3548% | 1,721 |
| Assets per employee ($millions) | 4.5202% | 4,092 |
| Cash dividends to net income (ytd only)* | 33.1858% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0867% | 3,473 |
| Loan loss allowance to noncurrent loans | 145.6464% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.5415% | 1,539 |
| Noncurrent loans to loans | 0.7461% | 1,600 |
| Net loans and leases to total assets | 52.9297% | 3,258 |
| Net loans and leases to deposits | 62.2605% | 3,172 |
| Net loans and leases to core deposits | 64.1624% | 3,276 |
| Total domestic deposits to total assets | 85.0133% | 3,086 |
| Equity capital to assets | 11.5787% | 1,584 |
| Core capital (leverage) ratio | 11.4762% | 1,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1981% | 2,646 |
| Memoranda: | ||
| Average total assets | $94,699,667 | 4,122 |
| Average earning assets | $84,979,667 | 4,143 |
| Average equity | $10,825,000 | 4,121 |
| Average total loans | $50,613,000 | 4,072 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3570% | 957 |
| Cost of funding earning assets | 0.8319% | 303 |
| Net interest margin | 3.5251% | 1,761 |
| Noninterest income to average assets | 0.4906% | 2,653 |
| Noninterest expense to average assets | 2.4739% | 2,248 |
| Loan and lease loss provision to assets | 0.2114% | 563 |
| Net operating income to assets | 0.9769% | 2,881 |
| Return on assets (ROA) | 0.9769% | 2,976 |
| Pretax return on assets | 0.9769% | 3,441 |
| Return on Equity (ROE) | 8.6018% | 3,158 |
| Retained earnings to average equity (ytd only) | 5.2504% | 3,152 |
| Net charge-offs to loans | 0.0633% | 900 |
| Credit loss provision to net charge-offs | 625.0000% | 541 |
| Earnings coverage of net charge-offs (x) | 35.1250% | 1,028 |
| Efficiency ratio | 67.5520% | 2,001 |
| Assets per employee ($millions) | 4.1692% | 4,363 |
| Cash dividends to net income (ytd only)* | 38.9610% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 3,033 |
| Loan loss allowance to noncurrent loans | 124.0586% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.7769% | 1,165 |
| Noncurrent loans to loans | 0.9514% | 1,425 |
| Net loans and leases to total assets | 51.7770% | 3,465 |
| Net loans and leases to deposits | 61.7606% | 3,344 |
| Net loans and leases to core deposits | 63.6514% | 3,443 |
| Total domestic deposits to total assets | 83.8349% | 3,488 |
| Equity capital to assets | 11.2220% | 1,705 |
| Core capital (leverage) ratio | 11.6784% | 1,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7706% | 1,976 |
| Memoranda: | ||
| Average total assets | $94,587,500 | 4,134 |
| Average earning assets | $85,103,500 | 4,153 |
| Average equity | $10,742,000 | 4,142 |
| Average total loans | $50,522,000 | 4,089 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9664% | 523 |
| Cost of funding earning assets | 1.0871% | 422 |
| Net interest margin | 3.8793% | 1,279 |
| Noninterest income to average assets | 0.4458% | 2,885 |
| Noninterest expense to average assets | 2.6723% | 2,321 |
| Loan and lease loss provision to assets | 0.5120% | 467 |
| Net operating income to assets | 0.8442% | 2,920 |
| Return on assets (ROA) | 0.8442% | 3,057 |
| Pretax return on assets | 0.8442% | 3,514 |
| Return on Equity (ROE) | 6.4382% | 3,434 |
| Retained earnings to average equity (ytd only) | 3.9810% | 2,838 |
| Net charge-offs to loans | 0.5272% | 297 |
| Credit loss provision to net charge-offs | 168.0328% | 2,330 |
| Earnings coverage of net charge-offs (x) | 4.4508% | 2,980 |
| Efficiency ratio | 66.3360% | 2,478 |
| Assets per employee ($millions) | 4.4420% | 3,977 |
| Cash dividends to net income (ytd only)* | 38.1657% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0846% | 3,534 |
| Loan loss allowance to noncurrent loans | 52.9299% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 1.2918% | 626 |
| Noncurrent loans to loans | 2.0492% | 547 |
| Net loans and leases to total assets | 53.8683% | 3,498 |
| Net loans and leases to deposits | 64.5630% | 3,396 |
| Net loans and leases to core deposits | 66.3831% | 3,509 |
| Total domestic deposits to total assets | 83.4354% | 3,284 |
| Equity capital to assets | 11.4951% | 1,888 |
| Core capital (leverage) ratio | 13.8290% | 714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8687% | 1,901 |
| Memoranda: | ||
| Average total assets | $80,079,800 | 4,243 |
| Average earning assets | $73,956,600 | 4,233 |
| Average equity | $10,499,800 | 4,153 |
| Average total loans | $46,281,200 | 4,179 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0542% | 555 |
| Cost of funding earning assets | 1.1575% | 423 |
| Net interest margin | 3.8967% | 1,358 |
| Noninterest income to average assets | 0.4758% | 2,713 |
| Noninterest expense to average assets | 2.7507% | 2,119 |
| Loan and lease loss provision to assets | 0.3478% | 1,093 |
| Net operating income to assets | 1.0141% | 2,281 |
| Return on assets (ROA) | 1.0159% | 2,405 |
| Pretax return on assets | 1.0159% | 3,011 |
| Return on Equity (ROE) | 7.4682% | 3,025 |
| Retained earnings to average equity (ytd only) | 4.1745% | 2,958 |
| Net charge-offs to loans | 0.2185% | 700 |
| Credit loss provision to net charge-offs | 270.2703% | 1,854 |
| Earnings coverage of net charge-offs (x) | 10.5946% | 2,346 |
| Efficiency ratio | 66.8919% | 2,331 |
| Assets per employee ($millions) | 3.6848% | 4,562 |
| Cash dividends to net income (ytd only)* | 44.1026% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0126% | 3,650 |
| Loan loss allowance to noncurrent loans | 54.0741% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.3594% | 671 |
| Noncurrent loans to loans | 1.8727% | 682 |
| Net loans and leases to total assets | 61.6177% | 3,054 |
| Net loans and leases to deposits | 76.0486% | 2,749 |
| Net loans and leases to core deposits | 78.5974% | 2,956 |
| Total domestic deposits to total assets | 81.0241% | 3,656 |
| Equity capital to assets | 13.1300% | 1,124 |
| Core capital (leverage) ratio | 13.7335% | 772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4886% | 2,006 |
| Memoranda: | ||
| Average total assets | $76,779,000 | 4,292 |
| Average earning assets | $71,648,250 | 4,290 |
| Average equity | $10,444,000 | 4,165 |
| Average total loans | $45,151,250 | 4,223 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0459% | 765 |
| Cost of funding earning assets | 1.2083% | 484 |
| Net interest margin | 3.8376% | 1,721 |
| Noninterest income to average assets | 0.4778% | 2,667 |
| Noninterest expense to average assets | 2.6808% | 2,445 |
| Loan and lease loss provision to assets | 0.2123% | 1,952 |
| Net operating income to assets | 1.1758% | 1,704 |
| Return on assets (ROA) | 1.1785% | 1,835 |
| Pretax return on assets | 1.1785% | 2,435 |
| Return on Equity (ROE) | 8.5571% | 2,541 |
| Retained earnings to average equity (ytd only) | 3.5847% | 3,134 |
| Net charge-offs to loans | 0.0876% | 1,374 |
| Credit loss provision to net charge-offs | 421.0526% | 1,361 |
| Earnings coverage of net charge-offs (x) | 27.5263% | 1,488 |
| Efficiency ratio | 65.8839% | 2,538 |
| Assets per employee ($millions) | 3.4425% | 4,691 |
| Cash dividends to net income (ytd only)* | 58.1081% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0262% | 3,433 |
| Loan loss allowance to noncurrent loans | 51.6802% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 1.2238% | 884 |
| Noncurrent loans to loans | 1.9857% | 685 |
| Net loans and leases to total assets | 54.3270% | 3,845 |
| Net loans and leases to deposits | 67.2730% | 3,621 |
| Net loans and leases to core deposits | 69.5855% | 3,739 |
| Total domestic deposits to total assets | 80.7560% | 3,669 |
| Equity capital to assets | 13.2840% | 1,047 |
| Core capital (leverage) ratio | 13.4868% | 877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6087% | 1,955 |
| Memoranda: | ||
| Average total assets | $75,350,000 | 4,317 |
| Average earning assets | $70,513,000 | 4,303 |
| Average equity | $10,377,333 | 4,176 |
| Average total loans | $43,381,000 | 4,280 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2233% | 631 |
| Cost of funding earning assets | 1.2423% | 668 |
| Net interest margin | 3.9810% | 1,438 |
| Noninterest income to average assets | 0.5120% | 2,493 |
| Noninterest expense to average assets | 2.5982% | 2,985 |
| Loan and lease loss provision to assets | 0.2723% | 1,149 |
| Net operating income to assets | 1.3944% | 999 |
| Return on assets (ROA) | 1.3999% | 1,059 |
| Pretax return on assets | 1.3999% | 1,568 |
| Return on Equity (ROE) | 9.9738% | 1,753 |
| Retained earnings to average equity (ytd only) | 6.9467% | 1,557 |
| Net charge-offs to loans | 0.2861% | 513 |
| Credit loss provision to net charge-offs | 161.2903% | 1,549 |
| Earnings coverage of net charge-offs (x) | 9.8710% | 1,799 |
| Efficiency ratio | 60.9195% | 3,627 |
| Assets per employee ($millions) | 4.1143% | 3,766 |
| Cash dividends to net income (ytd only)* | 30.3502% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9308% | 4,002 |
| Loan loss allowance to noncurrent loans | 39.5303% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 1.5718% | 664 |
| Noncurrent loans to loans | 2.3546% | 530 |
| Net loans and leases to total assets | 58.0634% | 3,668 |
| Net loans and leases to deposits | 74.8138% | 3,188 |
| Net loans and leases to core deposits | 77.6804% | 3,372 |
| Total domestic deposits to total assets | 77.6105% | 4,278 |
| Equity capital to assets | 14.0189% | 1,048 |
| Core capital (leverage) ratio | 14.3231% | 831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6398% | 1,704 |
| Memoranda: | ||
| Average total assets | $73,436,000 | 4,351 |
| Average earning assets | $69,228,500 | 4,326 |
| Average equity | $10,307,000 | 4,207 |
| Average total loans | $43,341,000 | 4,292 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5233% | 540 |
| Cost of funding earning assets | 1.1435% | 1,175 |
| Net interest margin | 4.3798% | 935 |
| Noninterest income to average assets | 0.5265% | 2,597 |
| Noninterest expense to average assets | 2.8894% | 2,321 |
| Loan and lease loss provision to assets | 0.2508% | 728 |
| Net operating income to assets | 1.5210% | 1,002 |
| Return on assets (ROA) | 1.5298% | 1,045 |
| Pretax return on assets | 1.5298% | 1,713 |
| Return on Equity (ROE) | 10.5226% | 2,076 |
| Retained earnings to average equity (ytd only) | 7.0823% | 1,360 |
| Net charge-offs to loans | 0.3227% | 643 |
| Credit loss provision to net charge-offs | 123.0216% | 2,066 |
| Earnings coverage of net charge-offs (x) | 8.6906% | 2,741 |
| Efficiency ratio | 61.9887% | 3,385 |
| Assets per employee ($millions) | 4.0453% | 3,852 |
| Cash dividends to net income (ytd only)* | 32.6942% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8896% | 4,007 |
| Loan loss allowance to noncurrent loans | 59.4136% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 1.1797% | 1,007 |
| Noncurrent loans to loans | 1.4973% | 967 |
| Net loans and leases to total assets | 58.9068% | 3,678 |
| Net loans and leases to deposits | 76.0905% | 3,170 |
| Net loans and leases to core deposits | 77.7216% | 3,462 |
| Total domestic deposits to total assets | 77.4167% | 4,444 |
| Equity capital to assets | 14.0520% | 1,081 |
| Core capital (leverage) ratio | 14.8706% | 715 |
| Tier 1 risk-based capital ratio | 15.1367% | 2,725 |
| Total risk-based capital ratio | 15.7075% | 2,935 |
| Memoranda: | ||
| Average total assets | $68,180,600 | 4,461 |
| Average earning assets | $64,363,800 | 4,431 |
| Average equity | $9,912,000 | 4,254 |
| Average total loans | $43,073,600 | 4,332 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5757% | 516 |
| Cost of funding earning assets | 1.1404% | 1,208 |
| Net interest margin | 4.4353% | 875 |
| Noninterest income to average assets | 0.5630% | 2,395 |
| Noninterest expense to average assets | 2.8567% | 2,389 |
| Loan and lease loss provision to assets | 0.0796% | 2,315 |
| Net operating income to assets | 1.8203% | 589 |
| Return on assets (ROA) | 1.8322% | 601 |
| Pretax return on assets | 1.8322% | 1,012 |
| Return on Equity (ROE) | 12.4895% | 1,447 |
| Retained earnings to average equity (ytd only) | 8.6925% | 1,135 |
| Net charge-offs to loans | 0.2417% | 741 |
| Credit loss provision to net charge-offs | 51.2821% | 2,780 |
| Earnings coverage of net charge-offs (x) | 12.2433% | 2,371 |
| Efficiency ratio | 60.0586% | 3,633 |
| Assets per employee ($millions) | 3.6009% | 4,392 |
| Cash dividends to net income (ytd only)* | 30.4014% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7273% | 4,590 |
| Loan loss allowance to noncurrent loans | 38.1818% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 1.4796% | 761 |
| Noncurrent loans to loans | 1.9048% | 740 |
| Net loans and leases to total assets | 66.3370% | 3,011 |
| Net loans and leases to deposits | 83.7479% | 2,485 |
| Net loans and leases to core deposits | 84.4702% | 3,048 |
| Total domestic deposits to total assets | 79.2104% | 4,143 |
| Equity capital to assets | 15.7291% | 693 |
| Core capital (leverage) ratio | 15.5724% | 630 |
| Tier 1 risk-based capital ratio | 16.9523% | 2,099 |
| Total risk-based capital ratio | 17.4801% | 2,284 |
| Memoranda: | ||
| Average total assets | $67,022,000 | 4,535 |
| Average earning assets | $63,368,500 | 4,502 |
| Average equity | $9,832,000 | 4,307 |
| Average total loans | $43,022,500 | 4,389 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5168% | 551 |
| Cost of funding earning assets | 1.1345% | 1,182 |
| Net interest margin | 4.3823% | 973 |
| Noninterest income to average assets | 0.5520% | 2,379 |
| Noninterest expense to average assets | 2.7894% | 2,632 |
| Loan and lease loss provision to assets | 0.0738% | 2,339 |
| Net operating income to assets | 1.8389% | 552 |
| Return on assets (ROA) | 1.8389% | 576 |
| Pretax return on assets | 1.8389% | 957 |
| Return on Equity (ROE) | 12.8308% | 1,296 |
| Retained earnings to average equity (ytd only) | 8.5264% | 1,191 |
| Net charge-offs to loans | 0.2982% | 571 |
| Credit loss provision to net charge-offs | 39.0625% | 2,544 |
| Earnings coverage of net charge-offs (x) | 10.1250% | 2,291 |
| Efficiency ratio | 59.3220% | 3,826 |
| Assets per employee ($millions) | 3.6949% | 4,250 |
| Cash dividends to net income (ytd only)* | 33.5474% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7296% | 4,648 |
| Loan loss allowance to noncurrent loans | 55.0877% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.0375% | 1,330 |
| Noncurrent loans to loans | 1.3243% | 1,183 |
| Net loans and leases to total assets | 64.2419% | 3,314 |
| Net loans and leases to deposits | 80.1689% | 2,934 |
| Net loans and leases to core deposits | 80.8317% | 3,356 |
| Total domestic deposits to total assets | 80.1332% | 4,016 |
| Equity capital to assets | 14.9877% | 813 |
| Core capital (leverage) ratio | 14.7029% | 773 |
| Tier 1 risk-based capital ratio | 16.1224% | 2,359 |
| Total risk-based capital ratio | 16.6325% | 2,599 |
| Memoranda: | ||
| Average total assets | $67,757,330 | 4,554 |
| Average earning assets | $64,167,670 | 4,521 |
| Average equity | $9,711,000 | 4,340 |
| Average total loans | $42,926,000 | 4,420 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4288% | 591 |
| Cost of funding earning assets | 1.1030% | 1,175 |
| Net interest margin | 4.3258% | 1,049 |
| Noninterest income to average assets | 0.5323% | 2,373 |
| Noninterest expense to average assets | 2.8078% | 2,540 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8309% | 532 |
| Return on assets (ROA) | 1.8309% | 549 |
| Pretax return on assets | 1.8309% | 912 |
| Return on Equity (ROE) | 13.0655% | 1,195 |
| Retained earnings to average equity (ytd only) | 9.0582% | 1,301 |
| Net charge-offs to loans | 0.0373% | 1,739 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 78.2500% | 780 |
| Efficiency ratio | 60.5296% | 3,741 |
| Assets per employee ($millions) | 3.9802% | 3,956 |
| Cash dividends to net income (ytd only)* | 30.6709% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8148% | 4,472 |
| Loan loss allowance to noncurrent loans | 60.6957% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 1.0242% | 1,367 |
| Noncurrent loans to loans | 1.3425% | 1,210 |
| Net loans and leases to total assets | 62.7823% | 3,424 |
| Net loans and leases to deposits | 79.9041% | 2,848 |
| Net loans and leases to core deposits | 80.5617% | 3,312 |
| Total domestic deposits to total assets | 78.5721% | 4,420 |
| Equity capital to assets | 14.3562% | 920 |
| Core capital (leverage) ratio | 14.1490% | 912 |
| Tier 1 risk-based capital ratio | 15.3739% | 2,715 |
| Total risk-based capital ratio | 15.9269% | 2,944 |
| Memoranda: | ||
| Average total assets | $68,382,000 | 4,595 |
| Average earning assets | $64,913,000 | 4,563 |
| Average equity | $9,582,500 | 4,391 |
| Average total loans | $42,869,000 | 4,467 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4321% | 458 |
| Cost of funding earning assets | 0.8172% | 1,448 |
| Net interest margin | 4.6149% | 586 |
| Noninterest income to average assets | 0.5910% | 2,345 |
| Noninterest expense to average assets | 2.7265% | 2,941 |
| Loan and lease loss provision to assets | 0.2034% | 926 |
| Net operating income to assets | 2.0137% | 352 |
| Return on assets (ROA) | 2.0137% | 347 |
| Pretax return on assets | 2.0137% | 547 |
| Return on Equity (ROE) | 15.0373% | 821 |
| Retained earnings to average equity (ytd only) | 9.8807% | 638 |
| Net charge-offs to loans | 0.4016% | 462 |
| Credit loss provision to net charge-offs | 79.1908% | 2,878 |
| Earnings coverage of net charge-offs (x) | 8.6301% | 2,883 |
| Efficiency ratio | 55.1517% | 4,500 |
| Assets per employee ($millions) | 4.0647% | 3,802 |
| Cash dividends to net income (ytd only)* | 34.2920% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8227% | 4,452 |
| Loan loss allowance to noncurrent loans | 67.4952% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 0.9493% | 1,444 |
| Noncurrent loans to loans | 1.2189% | 1,308 |
| Net loans and leases to total assets | 61.5847% | 3,608 |
| Net loans and leases to deposits | 77.5080% | 3,227 |
| Net loans and leases to core deposits | 78.1227% | 3,572 |
| Total domestic deposits to total assets | 79.4559% | 4,220 |
| Equity capital to assets | 13.6773% | 1,078 |
| Core capital (leverage) ratio | 14.2506% | 854 |
| Tier 1 risk-based capital ratio | 14.9516% | 2,848 |
| Total risk-based capital ratio | 15.5067% | 3,104 |
| Memoranda: | ||
| Average total assets | $67,339,200 | 4,626 |
| Average earning assets | $63,511,000 | 4,601 |
| Average equity | $9,017,600 | 4,457 |
| Average total loans | $43,073,400 | 4,472 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4157% | 433 |
| Cost of funding earning assets | 0.7580% | 1,547 |
| Net interest margin | 4.6577% | 517 |
| Noninterest income to average assets | 0.5680% | 2,481 |
| Noninterest expense to average assets | 2.6985% | 2,986 |
| Loan and lease loss provision to assets | 0.1495% | 1,317 |
| Net operating income to assets | 2.1166% | 300 |
| Return on assets (ROA) | 2.1166% | 295 |
| Pretax return on assets | 2.1166% | 468 |
| Return on Equity (ROE) | 15.8931% | 712 |
| Retained earnings to average equity (ytd only) | 10.7451% | 711 |
| Net charge-offs to loans | 0.3464% | 481 |
| Credit loss provision to net charge-offs | 66.9643% | 2,662 |
| Earnings coverage of net charge-offs (x) | 10.1517% | 2,604 |
| Efficiency ratio | 54.3557% | 4,574 |
| Assets per employee ($millions) | 3.4562% | 4,613 |
| Cash dividends to net income (ytd only)* | 32.3922% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8054% | 4,597 |
| Loan loss allowance to noncurrent loans | 63.0824% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 1.0127% | 1,434 |
| Noncurrent loans to loans | 1.2767% | 1,321 |
| Net loans and leases to total assets | 66.0210% | 3,171 |
| Net loans and leases to deposits | 85.1464% | 2,455 |
| Net loans and leases to core deposits | 85.8750% | 3,002 |
| Total domestic deposits to total assets | 77.5382% | 4,557 |
| Equity capital to assets | 14.0771% | 937 |
| Core capital (leverage) ratio | 14.1579% | 896 |
| Tier 1 risk-based capital ratio | 15.7798% | 2,535 |
| Total risk-based capital ratio | 16.3748% | 2,753 |
| Memoranda: | ||
| Average total assets | $66,899,000 | 4,684 |
| Average earning assets | $63,147,750 | 4,653 |
| Average equity | $8,909,250 | 4,514 |
| Average total loans | $43,114,750 | 4,523 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3699% | 412 |
| Cost of funding earning assets | 0.6823% | 1,724 |
| Net interest margin | 4.6876% | 453 |
| Noninterest income to average assets | 0.5408% | 2,627 |
| Noninterest expense to average assets | 2.6564% | 3,146 |
| Loan and lease loss provision to assets | 0.1486% | 1,282 |
| Net operating income to assets | 2.1453% | 278 |
| Return on assets (ROA) | 2.1453% | 273 |
| Pretax return on assets | 2.1453% | 439 |
| Return on Equity (ROE) | 16.4134% | 597 |
| Retained earnings to average equity (ytd only) | 11.0484% | 659 |
| Net charge-offs to loans | 0.3588% | 440 |
| Credit loss provision to net charge-offs | 64.9351% | 2,398 |
| Earnings coverage of net charge-offs (x) | 10.0260% | 2,356 |
| Efficiency ratio | 53.6615% | 4,727 |
| Assets per employee ($millions) | 3.7088% | 4,338 |
| Cash dividends to net income (ytd only)* | 32.6870% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8365% | 4,584 |
| Loan loss allowance to noncurrent loans | 47.7573% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 1.2972% | 1,091 |
| Noncurrent loans to loans | 1.7515% | 905 |
| Net loans and leases to total assets | 64.2835% | 3,367 |
| Net loans and leases to deposits | 81.0099% | 2,853 |
| Net loans and leases to core deposits | 81.6729% | 3,272 |
| Total domestic deposits to total assets | 79.3526% | 4,368 |
| Equity capital to assets | 13.5188% | 1,097 |
| Core capital (leverage) ratio | 13.6338% | 1,021 |
| Tier 1 risk-based capital ratio | 15.1170% | 2,817 |
| Total risk-based capital ratio | 15.7182% | 3,042 |
| Memoranda: | ||
| Average total assets | $67,309,670 | 4,732 |
| Average earning assets | $63,316,330 | 4,704 |
| Average equity | $8,797,670 | 4,562 |
| Average total loans | $42,917,670 | 4,571 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2765% | 424 |
| Cost of funding earning assets | 0.6289% | 1,855 |
| Net interest margin | 4.6476% | 449 |
| Noninterest income to average assets | 0.4735% | 2,976 |
| Noninterest expense to average assets | 2.7403% | 2,908 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.1070% | 287 |
| Return on assets (ROA) | 2.1070% | 288 |
| Pretax return on assets | 2.1070% | 456 |
| Return on Equity (ROE) | 16.3980% | 567 |
| Retained earnings to average equity (ytd only) | 11.1469% | 859 |
| Net charge-offs to loans | 0.0468% | 1,652 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 71.2000% | 763 |
| Efficiency ratio | 56.5324% | 4,515 |
| Assets per employee ($millions) | 3.7697% | 4,329 |
| Cash dividends to net income (ytd only)* | 32.0225% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 4,467 |
| Loan loss allowance to noncurrent loans | 69.1892% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 0.9609% | 1,644 |
| Noncurrent loans to loans | 1.2947% | 1,389 |
| Net loans and leases to total assets | 62.6094% | 3,475 |
| Net loans and leases to deposits | 77.8234% | 3,035 |
| Net loans and leases to core deposits | 78.4384% | 3,457 |
| Total domestic deposits to total assets | 80.4507% | 4,334 |
| Equity capital to assets | 12.9499% | 1,273 |
| Core capital (leverage) ratio | 13.2210% | 1,099 |
| Tier 1 risk-based capital ratio | 14.4850% | 3,130 |
| Total risk-based capital ratio | 15.1128% | 3,369 |
| Memoranda: | ||
| Average total assets | $67,585,000 | 4,783 |
| Average earning assets | $63,602,500 | 4,756 |
| Average equity | $8,684,000 | 4,628 |
| Average total loans | $42,738,000 | 4,622 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1889% | 456 |
| Cost of funding earning assets | 0.5912% | 1,662 |
| Net interest margin | 4.5977% | 505 |
| Noninterest income to average assets | 0.6282% | 2,313 |
| Noninterest expense to average assets | 2.7009% | 3,123 |
| Loan and lease loss provision to assets | 0.1001% | 2,219 |
| Net operating income to assets | 2.1577% | 207 |
| Return on assets (ROA) | 2.1577% | 212 |
| Pretax return on assets | 2.1577% | 341 |
| Return on Equity (ROE) | 17.0332% | 393 |
| Retained earnings to average equity (ytd only) | 3.7253% | 2,995 |
| Net charge-offs to loans | 0.6632% | 325 |
| Credit loss provision to net charge-offs | 24.1758% | 3,583 |
| Earnings coverage of net charge-offs (x) | 5.4505% | 3,323 |
| Efficiency ratio | 54.4676% | 4,914 |
| Assets per employee ($millions) | 3.7398% | 4,380 |
| Cash dividends to net income (ytd only)* | 78.1294% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9130% | 4,402 |
| Loan loss allowance to noncurrent loans | 65.4882% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 1.0265% | 1,494 |
| Noncurrent loans to loans | 1.3941% | 1,231 |
| Net loans and leases to total assets | 62.7191% | 3,521 |
| Net loans and leases to deposits | 77.7618% | 3,141 |
| Net loans and leases to core deposits | 78.3782% | 3,558 |
| Total domestic deposits to total assets | 80.6554% | 4,206 |
| Equity capital to assets | 12.7473% | 1,388 |
| Core capital (leverage) ratio | 13.1298% | 1,102 |
| Tier 1 risk-based capital ratio | 14.2442% | 3,228 |
| Total risk-based capital ratio | 14.8899% | 3,465 |
| Memoranda: | ||
| Average total assets | $65,903,200 | 4,852 |
| Average earning assets | $62,074,600 | 4,816 |
| Average equity | $8,348,400 | 4,727 |
| Average total loans | $41,165,800 | 4,694 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1542% | 455 |
| Cost of funding earning assets | 0.5854% | 1,640 |
| Net interest margin | 4.5688% | 521 |
| Noninterest income to average assets | 0.6041% | 2,457 |
| Noninterest expense to average assets | 2.6808% | 3,125 |
| Loan and lease loss provision to assets | 0.0122% | 3,900 |
| Net operating income to assets | 2.2293% | 203 |
| Return on assets (ROA) | 2.2293% | 203 |
| Pretax return on assets | 2.2293% | 339 |
| Return on Equity (ROE) | 17.6267% | 365 |
| Retained earnings to average equity (ytd only) | 1.5922% | 4,792 |
| Net charge-offs to loans | 0.1634% | 1,263 |
| Credit loss provision to net charge-offs | 12.0000% | 3,213 |
| Earnings coverage of net charge-offs (x) | 22.0384% | 1,888 |
| Efficiency ratio | 54.4628% | 4,902 |
| Assets per employee ($millions) | 3.6762% | 4,484 |
| Cash dividends to net income (ytd only)* | 90.9669% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 2,241 |
| Loan loss allowance to noncurrent loans | 83.5098% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.1395% | 1,446 |
| Noncurrent loans to loans | 1.5865% | 1,165 |
| Net loans and leases to total assets | 62.1284% | 3,639 |
| Net loans and leases to deposits | 77.8780% | 3,180 |
| Net loans and leases to core deposits | 78.5100% | 3,589 |
| Total domestic deposits to total assets | 79.7766% | 4,369 |
| Equity capital to assets | 12.6687% | 1,568 |
| Core capital (leverage) ratio | 12.6677% | 1,344 |
| Tier 1 risk-based capital ratio | 14.1724% | 3,364 |
| Total risk-based capital ratio | 15.1057% | 3,439 |
| Memoranda: | ||
| Average total assets | $65,550,000 | 4,908 |
| Average earning assets | $61,954,500 | 4,870 |
| Average equity | $8,290,250 | 4,783 |
| Average total loans | $40,805,000 | 4,754 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1312% | 443 |
| Cost of funding earning assets | 0.5788% | 1,584 |
| Net interest margin | 4.5524% | 512 |
| Noninterest income to average assets | 0.5969% | 2,477 |
| Noninterest expense to average assets | 2.6414% | 3,303 |
| Loan and lease loss provision to assets | 0.0031% | 3,837 |
| Net operating income to assets | 2.2374% | 200 |
| Return on assets (ROA) | 2.2374% | 199 |
| Pretax return on assets | 2.2374% | 332 |
| Return on Equity (ROE) | 17.7012% | 354 |
| Retained earnings to average equity (ytd only) | 0.0969% | 5,051 |
| Net charge-offs to loans | 0.1925% | 1,045 |
| Credit loss provision to net charge-offs | 2.5641% | 2,891 |
| Earnings coverage of net charge-offs (x) | 18.7692% | 1,860 |
| Efficiency ratio | 54.1066% | 5,008 |
| Assets per employee ($millions) | 3.6123% | 4,558 |
| Cash dividends to net income (ytd only)* | 99.4528% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3553% | 2,148 |
| Loan loss allowance to noncurrent loans | 138.1188% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.7659% | 2,294 |
| Noncurrent loans to loans | 0.9812% | 1,999 |
| Net loans and leases to total assets | 62.4635% | 3,578 |
| Net loans and leases to deposits | 78.5408% | 3,061 |
| Net loans and leases to core deposits | 79.1916% | 3,488 |
| Total domestic deposits to total assets | 79.5300% | 4,507 |
| Equity capital to assets | 12.7588% | 1,491 |
| Core capital (leverage) ratio | 12.8387% | 1,246 |
| Tier 1 risk-based capital ratio | 14.0682% | 3,397 |
| Total risk-based capital ratio | 15.0144% | 3,471 |
| Memoranda: | ||
| Average total assets | $65,343,000 | 4,944 |
| Average earning assets | $61,506,000 | 4,909 |
| Average equity | $8,259,330 | 4,812 |
| Average total loans | $40,519,000 | 4,789 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0339% | 495 |
| Cost of funding earning assets | 0.5456% | 1,743 |
| Net interest margin | 4.4883% | 533 |
| Noninterest income to average assets | 0.5862% | 2,481 |
| Noninterest expense to average assets | 2.6991% | 3,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.1068% | 257 |
| Return on assets (ROA) | 2.1068% | 264 |
| Pretax return on assets | 2.1068% | 404 |
| Return on Equity (ROE) | 16.7455% | 438 |
| Retained earnings to average equity (ytd only) | -3.3976% | 5,287 |
| Net charge-offs to loans | 0.1294% | 1,143 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 26.5385% | 1,301 |
| Efficiency ratio | 56.1626% | 4,920 |
| Assets per employee ($millions) | 4.1025% | 3,838 |
| Cash dividends to net income (ytd only)* | 120.2899% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4478% | 1,870 |
| Loan loss allowance to noncurrent loans | 131.6027% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.8105% | 2,271 |
| Noncurrent loans to loans | 1.1001% | 1,859 |
| Net loans and leases to total assets | 60.4601% | 3,736 |
| Net loans and leases to deposits | 76.1903% | 3,178 |
| Net loans and leases to core deposits | 76.8156% | 3,571 |
| Total domestic deposits to total assets | 79.3541% | 4,755 |
| Equity capital to assets | 12.5229% | 1,513 |
| Core capital (leverage) ratio | 12.6924% | 1,253 |
| Tier 1 risk-based capital ratio | 13.9499% | 3,514 |
| Total risk-based capital ratio | 14.9393% | 3,572 |
| Memoranda: | ||
| Average total assets | $65,503,500 | 4,991 |
| Average earning assets | $61,582,500 | 4,960 |
| Average equity | $8,241,000 | 4,851 |
| Average total loans | $40,192,000 | 4,842 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7606% | 944 |
| Cost of funding earning assets | 0.5639% | 1,578 |
| Net interest margin | 4.1967% | 1,122 |
| Noninterest income to average assets | 0.5501% | 2,912 |
| Noninterest expense to average assets | 2.5760% | 3,755 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.9357% | 362 |
| Return on assets (ROA) | 1.9919% | 339 |
| Pretax return on assets | 1.9919% | 510 |
| Return on Equity (ROE) | 16.7675% | 430 |
| Retained earnings to average equity (ytd only) | 4.7925% | 2,479 |
| Net charge-offs to loans | 0.0270% | 3,493 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 130.9000% | 473 |
| Efficiency ratio | 57.0960% | 4,945 |
| Assets per employee ($millions) | 3.8451% | 4,231 |
| Cash dividends to net income (ytd only)* | 71.4180% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 1,727 |
| Loan loss allowance to noncurrent loans | 150.5051% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.7450% | 2,499 |
| Noncurrent loans to loans | 0.9872% | 2,118 |
| Net loans and leases to total assets | 60.4571% | 3,798 |
| Net loans and leases to deposits | 76.8478% | 3,221 |
| Net loans and leases to core deposits | 77.4852% | 3,606 |
| Total domestic deposits to total assets | 78.6712% | 4,872 |
| Equity capital to assets | 12.6394% | 1,435 |
| Core capital (leverage) ratio | 12.8218% | 1,201 |
| Tier 1 risk-based capital ratio | 14.1786% | 3,360 |
| Total risk-based capital ratio | 14.1786% | 4,015 |
| Memoranda: | ||
| Average total assets | $67,623,000 | 4,980 |
| Average earning assets | $63,836,400 | 4,945 |
| Average equity | $8,033,400 | 4,933 |
| Average total loans | $36,997,600 | 4,982 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7004% | 1,063 |
| Cost of funding earning assets | 0.5694% | 1,549 |
| Net interest margin | 4.1310% | 1,307 |
| Noninterest income to average assets | 0.5475% | 2,929 |
| Noninterest expense to average assets | 2.5713% | 3,760 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.8771% | 422 |
| Return on assets (ROA) | 1.9514% | 388 |
| Pretax return on assets | 1.9514% | 636 |
| Return on Equity (ROE) | 16.6824% | 475 |
| Retained earnings to average equity (ytd only) | 3.8447% | 3,569 |
| Net charge-offs to loans | -0.0147% | 4,904 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8022% | 4,843 |
| Assets per employee ($millions) | 3.7864% | 4,329 |
| Cash dividends to net income (ytd only)* | 76.9538% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5881% | 1,516 |
| Loan loss allowance to noncurrent loans | 122.0000% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.9430% | 2,203 |
| Noncurrent loans to loans | 1.3017% | 1,711 |
| Net loans and leases to total assets | 58.7264% | 4,024 |
| Net loans and leases to deposits | 74.3222% | 3,568 |
| Net loans and leases to core deposits | 74.9440% | 3,926 |
| Total domestic deposits to total assets | 79.0160% | 4,718 |
| Equity capital to assets | 12.6600% | 1,673 |
| Core capital (leverage) ratio | 12.5995% | 1,361 |
| Tier 1 risk-based capital ratio | 14.3704% | 3,349 |
| Total risk-based capital ratio | 15.4461% | 3,385 |
| Memoranda: | ||
| Average total assets | $68,187,000 | 5,016 |
| Average earning assets | $64,389,750 | 4,974 |
| Average equity | $7,976,250 | 4,986 |
| Average total loans | $36,218,250 | 5,058 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5749% | 1,318 |
| Cost of funding earning assets | 0.5745% | 1,505 |
| Net interest margin | 4.0003% | 1,643 |
| Noninterest income to average assets | 0.5212% | 3,057 |
| Noninterest expense to average assets | 2.5482% | 3,891 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7420% | 533 |
| Return on assets (ROA) | 1.8457% | 467 |
| Pretax return on assets | 1.8457% | 795 |
| Return on Equity (ROE) | 16.1896% | 514 |
| Retained earnings to average equity (ytd only) | 1.0860% | 4,952 |
| Net charge-offs to loans | 0.0056% | 3,499 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 605.0000% | 106 |
| Efficiency ratio | 59.3960% | 4,728 |
| Assets per employee ($millions) | 3.5677% | 4,654 |
| Cash dividends to net income (ytd only)* | 93.2917% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6630% | 1,358 |
| Loan loss allowance to noncurrent loans | 117.0213% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.9717% | 2,202 |
| Noncurrent loans to loans | 1.4211% | 1,563 |
| Net loans and leases to total assets | 55.7087% | 4,346 |
| Net loans and leases to deposits | 70.9343% | 3,896 |
| Net loans and leases to core deposits | 71.5300% | 4,222 |
| Total domestic deposits to total assets | 78.5356% | 4,889 |
| Equity capital to assets | 12.4000% | 1,839 |
| Core capital (leverage) ratio | 11.1697% | 2,263 |
| Tier 1 risk-based capital ratio | 15.3667% | 2,921 |
| Total risk-based capital ratio | 16.5342% | 2,878 |
| Memoranda: | ||
| Average total assets | $69,460,000 | 5,036 |
| Average earning assets | $65,444,670 | 4,996 |
| Average equity | $7,918,670 | 5,039 |
| Average total loans | $35,487,330 | 5,125 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3559% | 1,946 |
| Cost of funding earning assets | 0.5615% | 1,609 |
| Net interest margin | 3.7944% | 2,307 |
| Noninterest income to average assets | 0.4883% | 3,206 |
| Noninterest expense to average assets | 2.5083% | 4,044 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5427% | 788 |
| Return on assets (ROA) | 1.5538% | 813 |
| Pretax return on assets | 1.5538% | 1,423 |
| Return on Equity (ROE) | 14.1835% | 803 |
| Retained earnings to average equity (ytd only) | -4.0524% | 5,552 |
| Net charge-offs to loans | -0.4909% | 5,991 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9178% | 4,458 |
| Assets per employee ($millions) | 3.9363% | 4,062 |
| Cash dividends to net income (ytd only)* | 128.5714% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8514% | 1,050 |
| Loan loss allowance to noncurrent loans | 111.5120% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.9212% | 2,393 |
| Noncurrent loans to loans | 1.6603% | 1,365 |
| Net loans and leases to total assets | 46.0021% | 5,113 |
| Net loans and leases to deposits | 53.6597% | 5,123 |
| Net loans and leases to core deposits | 54.2392% | 5,240 |
| Total domestic deposits to total assets | 85.7294% | 2,796 |
| Equity capital to assets | 10.5241% | 3,459 |
| Core capital (leverage) ratio | 11.0772% | 2,336 |
| Tier 1 risk-based capital ratio | 12.1105% | 4,851 |
| Total risk-based capital ratio | 12.1105% | 5,479 |
| Memoranda: | ||
| Average total assets | $72,081,000 | 5,022 |
| Average earning assets | $67,678,000 | 4,988 |
| Average equity | $7,896,500 | 5,076 |
| Average total loans | $35,041,000 | 5,173 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5347% | 1,503 |
| Cost of funding earning assets | 0.5524% | 1,740 |
| Net interest margin | 3.9823% | 1,776 |
| Noninterest income to average assets | 0.5646% | 2,934 |
| Noninterest expense to average assets | 2.6175% | 3,857 |
| Loan and lease loss provision to assets | 0.4296% | 292 |
| Net operating income to assets | 1.2673% | 1,345 |
| Return on assets (ROA) | 1.2735% | 1,385 |
| Pretax return on assets | 1.2735% | 2,385 |
| Return on Equity (ROE) | 10.8443% | 1,665 |
| Retained earnings to average equity (ytd only) | 6.9247% | 1,315 |
| Net charge-offs to loans | 0.1977% | 1,479 |
| Credit loss provision to net charge-offs | 417.9104% | 731 |
| Earnings coverage of net charge-offs (x) | 16.5075% | 2,122 |
| Efficiency ratio | 60.6686% | 4,805 |
| Assets per employee ($millions) | 3.6512% | 4,564 |
| Cash dividends to net income (ytd only)* | 36.1446% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7300% | 1,286 |
| Loan loss allowance to noncurrent loans | 64.3996% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 1.5539% | 1,279 |
| Noncurrent loans to loans | 2.6864% | 657 |
| Net loans and leases to total assets | 49.6194% | 4,905 |
| Net loans and leases to deposits | 58.7066% | 4,866 |
| Net loans and leases to core deposits | 59.6734% | 5,000 |
| Total domestic deposits to total assets | 84.5211% | 3,277 |
| Equity capital to assets | 11.4196% | 2,428 |
| Core capital (leverage) ratio | 12.1003% | 1,561 |
| Tier 1 risk-based capital ratio | 12.6621% | 4,534 |
| Total risk-based capital ratio | 12.6621% | 5,206 |
| Memoranda: | ||
| Average total assets | $65,177,000 | 5,195 |
| Average earning assets | $61,371,600 | 5,152 |
| Average equity | $7,653,800 | 5,121 |
| Average total loans | $33,898,200 | 5,228 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5443% | 1,475 |
| Cost of funding earning assets | 0.5513% | 1,793 |
| Net interest margin | 3.9930% | 1,726 |
| Noninterest income to average assets | 0.5655% | 2,950 |
| Noninterest expense to average assets | 2.6010% | 3,879 |
| Loan and lease loss provision to assets | 0.5614% | 171 |
| Net operating income to assets | 1.1830% | 1,707 |
| Return on assets (ROA) | 1.1872% | 1,754 |
| Pretax return on assets | 1.1872% | 2,864 |
| Return on Equity (ROE) | 10.0347% | 2,088 |
| Retained earnings to average equity (ytd only) | 5.8170% | 2,359 |
| Net charge-offs to loans | 0.2380% | 1,102 |
| Credit loss provision to net charge-offs | 450.0000% | 700 |
| Earnings coverage of net charge-offs (x) | 13.9830% | 2,277 |
| Efficiency ratio | 59.8565% | 4,911 |
| Assets per employee ($millions) | 3.7918% | 4,283 |
| Cash dividends to net income (ytd only)* | 42.0315% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7777% | 1,308 |
| Loan loss allowance to noncurrent loans | 685.2273% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.3723% | 4,278 |
| Noncurrent loans to loans | 0.2594% | 4,651 |
| Net loans and leases to total assets | 51.6871% | 4,781 |
| Net loans and leases to deposits | 61.8351% | 4,731 |
| Net loans and leases to core deposits | 62.9402% | 4,870 |
| Total domestic deposits to total assets | 83.5885% | 3,574 |
| Equity capital to assets | 11.9855% | 2,121 |
| Core capital (leverage) ratio | 12.0815% | 1,632 |
| Tier 1 risk-based capital ratio | 15.4289% | 3,081 |
| Total risk-based capital ratio | 16.6331% | 3,034 |
| Memoranda: | ||
| Average total assets | $64,128,250 | 5,283 |
| Average earning assets | $60,704,250 | 5,227 |
| Average equity | $7,586,750 | 5,198 |
| Average total loans | $33,615,750 | 5,297 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5061% | 1,513 |
| Cost of funding earning assets | 0.5484% | 1,835 |
| Net interest margin | 3.9577% | 1,782 |
| Noninterest income to average assets | 0.5499% | 3,045 |
| Noninterest expense to average assets | 2.6024% | 3,901 |
| Loan and lease loss provision to assets | 0.0312% | 3,499 |
| Net operating income to assets | 1.6589% | 673 |
| Return on assets (ROA) | 1.6652% | 692 |
| Pretax return on assets | 1.6652% | 1,156 |
| Return on Equity (ROE) | 14.1373% | 875 |
| Retained earnings to average equity (ytd only) | 9.3630% | 813 |
| Net charge-offs to loans | 0.3819% | 683 |
| Credit loss provision to net charge-offs | 15.6250% | 3,057 |
| Earnings coverage of net charge-offs (x) | 8.4531% | 2,563 |
| Efficiency ratio | 60.6259% | 4,889 |
| Assets per employee ($millions) | 3.7576% | 4,315 |
| Cash dividends to net income (ytd only)* | 33.7711% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9718% | 4,992 |
| Loan loss allowance to noncurrent loans | 398.8235% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.3241% | 4,583 |
| Noncurrent loans to loans | 0.2437% | 4,785 |
| Net loans and leases to total assets | 54.0804% | 4,544 |
| Net loans and leases to deposits | 65.4776% | 4,386 |
| Net loans and leases to core deposits | 65.4776% | 4,696 |
| Total domestic deposits to total assets | 82.5937% | 4,092 |
| Equity capital to assets | 12.1073% | 1,943 |
| Core capital (leverage) ratio | 12.0883% | 1,601 |
| Tier 1 risk-based capital ratio | 14.2415% | 3,797 |
| Total risk-based capital ratio | 14.8658% | 4,079 |
| Memoranda: | ||
| Average total assets | $64,017,330 | 5,345 |
| Average earning assets | $60,540,000 | 5,295 |
| Average equity | $7,540,330 | 5,255 |
| Average total loans | $33,514,000 | 5,343 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4246% | 1,676 |
| Cost of funding earning assets | 0.5622% | 1,732 |
| Net interest margin | 3.8624% | 2,022 |
| Noninterest income to average assets | 0.5368% | 3,043 |
| Noninterest expense to average assets | 2.6339% | 3,810 |
| Loan and lease loss provision to assets | 0.0312% | 3,266 |
| Net operating income to assets | 1.5167% | 818 |
| Return on assets (ROA) | 1.5292% | 847 |
| Pretax return on assets | 1.5292% | 1,465 |
| Return on Equity (ROE) | 13.1658% | 1,042 |
| Retained earnings to average equity (ytd only) | 6.7173% | 2,139 |
| Net charge-offs to loans | -0.0975% | 5,848 |
| Credit loss provision to net charge-offs | -62.5000% | 4,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9851% | 4,628 |
| Assets per employee ($millions) | 3.7316% | 4,460 |
| Cash dividends to net income (ytd only)* | 48.9796% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 3,884 |
| Loan loss allowance to noncurrent loans | 153.2075% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.4855% | 4,084 |
| Noncurrent loans to loans | 0.7927% | 3,267 |
| Net loans and leases to total assets | 52.0595% | 4,659 |
| Net loans and leases to deposits | 60.8644% | 4,677 |
| Net loans and leases to core deposits | 62.3337% | 4,818 |
| Total domestic deposits to total assets | 85.5337% | 3,159 |
| Equity capital to assets | 11.8559% | 2,145 |
| Core capital (leverage) ratio | 11.7367% | 1,824 |
| Tier 1 risk-based capital ratio | 14.0182% | 3,999 |
| Total risk-based capital ratio | 14.7762% | 4,225 |
| Memoranda: | ||
| Average total assets | $64,086,500 | 5,393 |
| Average earning assets | $60,480,500 | 5,344 |
| Average equity | $7,443,500 | 5,322 |
| Average total loans | $32,828,500 | 5,412 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4706% | 1,985 |
| Cost of funding earning assets | 0.6180% | 1,619 |
| Net interest margin | 3.8526% | 2,419 |
| Noninterest income to average assets | 0.5486% | 3,183 |
| Noninterest expense to average assets | 2.5851% | 4,276 |
| Loan and lease loss provision to assets | 0.0797% | 2,893 |
| Net operating income to assets | 1.4528% | 976 |
| Return on assets (ROA) | 1.4640% | 984 |
| Pretax return on assets | 1.4640% | 1,676 |
| Return on Equity (ROE) | 13.0335% | 1,130 |
| Retained earnings to average equity (ytd only) | 9.0297% | 699 |
| Net charge-offs to loans | 0.3732% | 1,155 |
| Credit loss provision to net charge-offs | 41.3223% | 3,653 |
| Earnings coverage of net charge-offs (x) | 7.9421% | 2,952 |
| Efficiency ratio | 62.7808% | 4,787 |
| Assets per employee ($millions) | 3.8080% | 4,330 |
| Cash dividends to net income (ytd only)* | 30.7190% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 3,885 |
| Loan loss allowance to noncurrent loans | 154.1176% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.6287% | 3,691 |
| Noncurrent loans to loans | 0.7913% | 3,330 |
| Net loans and leases to total assets | 49.1736% | 5,046 |
| Net loans and leases to deposits | 57.1282% | 5,117 |
| Net loans and leases to core deposits | 58.4660% | 5,233 |
| Total domestic deposits to total assets | 86.0758% | 2,797 |
| Equity capital to assets | 11.3785% | 2,532 |
| Core capital (leverage) ratio | 11.6783% | 1,842 |
| Tier 1 risk-based capital ratio | 20.4732% | 1,513 |
| Total risk-based capital ratio | 21.5622% | 1,501 |
| Memoranda: | ||
| Average total assets | $62,705,600 | 5,482 |
| Average earning assets | $58,091,200 | 5,456 |
| Average equity | $7,043,400 | 5,401 |
| Average total loans | $32,420,000 | 5,467 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4761% | 1,963 |
| Cost of funding earning assets | 0.6249% | 1,640 |
| Net interest margin | 3.8512% | 2,430 |
| Noninterest income to average assets | 0.5895% | 2,936 |
| Noninterest expense to average assets | 2.5917% | 4,224 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5649% | 817 |
| Return on assets (ROA) | 1.5670% | 848 |
| Pretax return on assets | 1.5670% | 1,429 |
| Return on Equity (ROE) | 13.9979% | 985 |
| Retained earnings to average equity (ytd only) | 10.4363% | 610 |
| Net charge-offs to loans | 0.2176% | 1,733 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 13.7746% | 2,195 |
| Efficiency ratio | 62.3517% | 4,836 |
| Assets per employee ($millions) | 3.7689% | 4,354 |
| Cash dividends to net income (ytd only)* | 25.4443% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2796% | 3,756 |
| Loan loss allowance to noncurrent loans | 81.3861% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 1.0410% | 2,882 |
| Noncurrent loans to loans | 1.5723% | 2,070 |
| Net loans and leases to total assets | 49.4881% | 5,057 |
| Net loans and leases to deposits | 57.5014% | 5,141 |
| Net loans and leases to core deposits | 58.8580% | 5,279 |
| Total domestic deposits to total assets | 86.0641% | 2,813 |
| Equity capital to assets | 11.3107% | 2,651 |
| Core capital (leverage) ratio | 11.3383% | 2,186 |
| Tier 1 risk-based capital ratio | 20.1430% | 1,637 |
| Total risk-based capital ratio | 21.2775% | 1,637 |
| Memoranda: | ||
| Average total assets | $62,198,000 | 5,559 |
| Average earning assets | $57,608,750 | 5,526 |
| Average equity | $6,962,750 | 5,471 |
| Average total loans | $32,468,500 | 5,514 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5172% | 1,780 |
| Cost of funding earning assets | 0.6362% | 1,613 |
| Net interest margin | 3.8810% | 2,248 |
| Noninterest income to average assets | 0.6074% | 2,780 |
| Noninterest expense to average assets | 2.6083% | 4,212 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5656% | 768 |
| Return on assets (ROA) | 1.5656% | 798 |
| Pretax return on assets | 1.5656% | 1,346 |
| Return on Equity (ROE) | 14.0361% | 945 |
| Retained earnings to average equity (ytd only) | 10.5416% | 607 |
| Net charge-offs to loans | 0.3130% | 1,289 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 9.4510% | 2,357 |
| Efficiency ratio | 62.4903% | 4,944 |
| Assets per employee ($millions) | 3.7845% | 4,290 |
| Cash dividends to net income (ytd only)* | 24.8963% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 3,885 |
| Loan loss allowance to noncurrent loans | 68.0395% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 1.1797% | 2,722 |
| Noncurrent loans to loans | 1.9005% | 1,801 |
| Net loans and leases to total assets | 49.0014% | 5,074 |
| Net loans and leases to deposits | 57.2264% | 5,100 |
| Net loans and leases to core deposits | 58.5735% | 5,233 |
| Total domestic deposits to total assets | 85.6272% | 3,228 |
| Equity capital to assets | 10.9704% | 2,905 |
| Core capital (leverage) ratio | 11.3700% | 2,102 |
| Tier 1 risk-based capital ratio | 20.2395% | 1,630 |
| Total risk-based capital ratio | 20.8568% | 1,755 |
| Memoranda: | ||
| Average total assets | $61,573,330 | 5,623 |
| Average earning assets | $56,583,330 | 5,597 |
| Average equity | $6,868,000 | 5,518 |
| Average total loans | $32,585,000 | 5,548 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5481% | 1,650 |
| Cost of funding earning assets | 0.6600% | 1,514 |
| Net interest margin | 3.8881% | 2,129 |
| Noninterest income to average assets | 0.6978% | 2,178 |
| Noninterest expense to average assets | 2.6316% | 4,176 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6680% | 597 |
| Return on assets (ROA) | 1.6680% | 621 |
| Pretax return on assets | 1.6680% | 1,036 |
| Return on Equity (ROE) | 14.8236% | 810 |
| Retained earnings to average equity (ytd only) | 11.2801% | 708 |
| Net charge-offs to loans | 0.2431% | 1,351 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 12.5500% | 1,713 |
| Efficiency ratio | 61.2056% | 5,245 |
| Assets per employee ($millions) | 3.5797% | 4,771 |
| Cash dividends to net income (ytd only)* | 23.9044% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3660% | 3,760 |
| Loan loss allowance to noncurrent loans | 115.6250% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.8890% | 3,510 |
| Noncurrent loans to loans | 1.1814% | 3,074 |
| Net loans and leases to total assets | 52.6810% | 4,581 |
| Net loans and leases to deposits | 61.8565% | 4,564 |
| Net loans and leases to core deposits | 62.9830% | 4,789 |
| Total domestic deposits to total assets | 85.1664% | 3,794 |
| Equity capital to assets | 11.2842% | 2,448 |
| Core capital (leverage) ratio | 11.5394% | 1,937 |
| Tier 1 risk-based capital ratio | 19.7250% | 1,787 |
| Total risk-based capital ratio | 20.9750% | 1,757 |
| Memoranda: | ||
| Average total assets | $60,191,500 | 5,707 |
| Average earning assets | $55,759,500 | 5,678 |
| Average equity | $6,773,000 | 5,573 |
| Average total loans | $32,908,000 | 5,589 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7489% | 1,445 |
| Cost of funding earning assets | 0.6900% | 1,889 |
| Net interest margin | 4.0590% | 1,768 |
| Noninterest income to average assets | 0.5621% | 3,317 |
| Noninterest expense to average assets | 2.6945% | 4,120 |
| Loan and lease loss provision to assets | 0.2050% | 1,811 |
| Net operating income to assets | 1.4421% | 931 |
| Return on assets (ROA) | 1.4455% | 969 |
| Pretax return on assets | 1.4455% | 1,638 |
| Return on Equity (ROE) | 13.1313% | 1,143 |
| Retained earnings to average equity (ytd only) | 9.7787% | 599 |
| Net charge-offs to loans | 0.1518% | 3,284 |
| Credit loss provision to net charge-offs | 240.0000% | 955 |
| Earnings coverage of net charge-offs (x) | 19.2800% | 1,615 |
| Efficiency ratio | 62.0622% | 5,201 |
| Assets per employee ($millions) | 3.5016% | 4,896 |
| Cash dividends to net income (ytd only)* | 25.5319% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3928% | 3,690 |
| Loan loss allowance to noncurrent loans | 77.0764% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 1.5169% | 2,445 |
| Noncurrent loans to loans | 1.8071% | 2,225 |
| Net loans and leases to total assets | 55.1824% | 4,435 |
| Net loans and leases to deposits | 64.7577% | 4,438 |
| Net loans and leases to core deposits | 65.9592% | 4,698 |
| Total domestic deposits to total assets | 85.2137% | 3,629 |
| Equity capital to assets | 11.2199% | 2,411 |
| Core capital (leverage) ratio | 11.5947% | 1,890 |
| Tier 1 risk-based capital ratio | 19.0199% | 1,914 |
| Total risk-based capital ratio | 20.2704% | 1,875 |
| Memoranda: | ||
| Average total assets | $58,527,600 | 5,793 |
| Average earning assets | $54,496,400 | 5,748 |
| Average equity | $6,442,600 | 5,707 |
| Average total loans | $32,938,400 | 5,624 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7503% | 1,472 |
| Cost of funding earning assets | 0.6912% | 2,011 |
| Net interest margin | 4.0590% | 1,761 |
| Noninterest income to average assets | 0.5811% | 3,266 |
| Noninterest expense to average assets | 2.6836% | 4,080 |
| Loan and lease loss provision to assets | 0.2059% | 1,763 |
| Net operating income to assets | 1.4802% | 929 |
| Return on assets (ROA) | 1.4802% | 975 |
| Pretax return on assets | 1.4802% | 1,666 |
| Return on Equity (ROE) | 13.5137% | 1,119 |
| Retained earnings to average equity (ytd only) | 10.7566% | 626 |
| Net charge-offs to loans | 0.1705% | 2,855 |
| Credit loss provision to net charge-offs | 214.2857% | 1,131 |
| Earnings coverage of net charge-offs (x) | 17.5471% | 1,729 |
| Efficiency ratio | 61.4136% | 5,213 |
| Assets per employee ($millions) | 3.4529% | 4,946 |
| Cash dividends to net income (ytd only)* | 20.4022% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 4,376 |
| Loan loss allowance to noncurrent loans | 80.2178% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 1.1687% | 3,318 |
| Noncurrent loans to loans | 1.6242% | 2,742 |
| Net loans and leases to total assets | 57.0419% | 4,160 |
| Net loans and leases to deposits | 67.0518% | 4,169 |
| Net loans and leases to core deposits | 68.3117% | 4,501 |
| Total domestic deposits to total assets | 85.0713% | 3,713 |
| Equity capital to assets | 11.2097% | 2,556 |
| Core capital (leverage) ratio | 11.5364% | 2,011 |
| Tier 1 risk-based capital ratio | 18.5656% | 2,120 |
| Total risk-based capital ratio | 19.8020% | 2,095 |
| Memoranda: | ||
| Average total assets | $58,277,500 | 5,865 |
| Average earning assets | $54,395,750 | 5,817 |
| Average equity | $6,383,500 | 5,789 |
| Average total loans | $32,844,750 | 5,688 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7309% | 1,487 |
| Cost of funding earning assets | 0.7078% | 2,020 |
| Net interest margin | 4.0231% | 1,785 |
| Noninterest income to average assets | 0.6123% | 3,119 |
| Noninterest expense to average assets | 2.6558% | 4,202 |
| Loan and lease loss provision to assets | 0.2064% | 1,832 |
| Net operating income to assets | 1.5240% | 865 |
| Return on assets (ROA) | 1.5240% | 930 |
| Pretax return on assets | 1.5240% | 1,550 |
| Return on Equity (ROE) | 14.0234% | 1,007 |
| Retained earnings to average equity (ytd only) | 11.7442% | 536 |
| Net charge-offs to loans | 0.2032% | 2,539 |
| Credit loss provision to net charge-offs | 181.8182% | 1,306 |
| Earnings coverage of net charge-offs (x) | 15.2424% | 1,757 |
| Efficiency ratio | 60.5490% | 5,394 |
| Assets per employee ($millions) | 3.3372% | 5,195 |
| Cash dividends to net income (ytd only)* | 16.2528% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 4,705 |
| Loan loss allowance to noncurrent loans | 107.9487% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.8602% | 4,093 |
| Noncurrent loans to loans | 1.1656% | 3,608 |
| Net loans and leases to total assets | 58.2359% | 3,948 |
| Net loans and leases to deposits | 65.9145% | 4,273 |
| Net loans and leases to core deposits | 67.1443% | 4,578 |
| Total domestic deposits to total assets | 88.3507% | 2,011 |
| Equity capital to assets | 11.3796% | 2,400 |
| Core capital (leverage) ratio | 11.4375% | 1,987 |
| Tier 1 risk-based capital ratio | 19.0457% | 1,985 |
| Total risk-based capital ratio | 20.2804% | 1,951 |
| Memoranda: | ||
| Average total assets | $58,137,000 | 5,908 |
| Average earning assets | $54,535,330 | 5,844 |
| Average equity | $6,318,000 | 5,845 |
| Average total loans | $32,484,670 | 5,733 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7763% | 1,337 |
| Cost of funding earning assets | 0.7511% | 1,839 |
| Net interest margin | 4.0252% | 1,694 |
| Noninterest income to average assets | 0.5371% | 3,521 |
| Noninterest expense to average assets | 2.5969% | 4,413 |
| Loan and lease loss provision to assets | 0.2039% | 1,818 |
| Net operating income to assets | 1.4888% | 880 |
| Return on assets (ROA) | 1.4888% | 958 |
| Pretax return on assets | 1.4888% | 1,591 |
| Return on Equity (ROE) | 14.0182% | 957 |
| Retained earnings to average equity (ytd only) | 14.0182% | 445 |
| Net charge-offs to loans | 0.2125% | 2,148 |
| Credit loss provision to net charge-offs | 176.4706% | 1,201 |
| Earnings coverage of net charge-offs (x) | 14.6471% | 1,442 |
| Efficiency ratio | 60.5388% | 5,512 |
| Assets per employee ($millions) | 3.3319% | 5,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 4,913 |
| Loan loss allowance to noncurrent loans | 95.7647% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.0046% | 3,914 |
| Noncurrent loans to loans | 1.3116% | 3,593 |
| Net loans and leases to total assets | 56.4881% | 4,011 |
| Net loans and leases to deposits | 63.7752% | 4,343 |
| Net loans and leases to core deposits | 64.9599% | 4,657 |
| Total domestic deposits to total assets | 88.5738% | 1,957 |
| Equity capital to assets | 11.2178% | 2,718 |
| Core capital (leverage) ratio | 10.6941% | 2,554 |
| Tier 1 risk-based capital ratio | 19.1116% | 2,011 |
| Total risk-based capital ratio | 20.3381% | 1,997 |
| Memoranda: | ||
| Average total assets | $58,839,000 | 5,938 |
| Average earning assets | $54,854,500 | 5,878 |
| Average equity | $6,249,000 | 5,923 |
| Average total loans | $31,997,000 | 5,794 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8721% | 1,939 |
| Cost of funding earning assets | 0.9207% | 1,813 |
| Net interest margin | 3.9514% | 2,600 |
| Noninterest income to average assets | 0.6299% | 3,109 |
| Noninterest expense to average assets | 2.4464% | 5,268 |
| Loan and lease loss provision to assets | 0.1579% | 3,643 |
| Net operating income to assets | 1.6171% | 736 |
| Return on assets (ROA) | 1.6171% | 812 |
| Pretax return on assets | 1.6204% | 1,331 |
| Return on Equity (ROE) | 14.4564% | 910 |
| Retained earnings to average equity (ytd only) | -57.0677% | 7,027 |
| Net charge-offs to loans | 0.1399% | 4,294 |
| Credit loss provision to net charge-offs | 215.9091% | 1,175 |
| Earnings coverage of net charge-offs (x) | 24.3182% | 1,178 |
| Efficiency ratio | 57.9072% | 5,845 |
| Assets per employee ($millions) | 3.8148% | 4,336 |
| Cash dividends to net income (ytd only)* | 494.7585% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2472% | 4,890 |
| Loan loss allowance to noncurrent loans | 74.6212% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 1.1010% | 3,810 |
| Noncurrent loans to loans | 1.6714% | 3,118 |
| Net loans and leases to total assets | 51.1125% | 5,020 |
| Net loans and leases to deposits | 56.9621% | 5,341 |
| Net loans and leases to core deposits | 57.9267% | 5,550 |
| Total domestic deposits to total assets | 89.7307% | 1,107 |
| Equity capital to assets | 10.0662% | 4,083 |
| Core capital (leverage) ratio | 10.2956% | 3,023 |
| Tier 1 risk-based capital ratio | 18.2662% | 2,180 |
| Total risk-based capital ratio | 19.4415% | 2,155 |
| Memoranda: | ||
| Average total assets | $60,169,600 | 5,916 |
| Average earning assets | $54,740,200 | 5,900 |
| Average equity | $6,730,600 | 5,836 |
| Average total loans | $31,455,800 | 5,878 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9379% | 1,869 |
| Cost of funding earning assets | 0.9606% | 1,780 |
| Net interest margin | 3.9774% | 2,592 |
| Noninterest income to average assets | 0.5960% | 3,302 |
| Noninterest expense to average assets | 2.3662% | 5,498 |
| Loan and lease loss provision to assets | 0.1112% | 4,177 |
| Net operating income to assets | 1.7146% | 666 |
| Return on assets (ROA) | 1.7146% | 733 |
| Pretax return on assets | 1.7191% | 1,219 |
| Return on Equity (ROE) | 14.9474% | 912 |
| Retained earnings to average equity (ytd only) | -76.4822% | 7,148 |
| Net charge-offs to loans | 0.1188% | 4,187 |
| Credit loss provision to net charge-offs | 178.5714% | 1,562 |
| Earnings coverage of net charge-offs (x) | 29.3949% | 1,114 |
| Efficiency ratio | 56.3858% | 6,005 |
| Assets per employee ($millions) | 3.7468% | 4,432 |
| Cash dividends to net income (ytd only)* | 611.6754% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 5,276 |
| Loan loss allowance to noncurrent loans | 83.1435% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.0442% | 4,209 |
| Noncurrent loans to loans | 1.4444% | 3,638 |
| Net loans and leases to total assets | 50.0892% | 5,304 |
| Net loans and leases to deposits | 55.8962% | 5,647 |
| Net loans and leases to core deposits | 56.8572% | 5,824 |
| Total domestic deposits to total assets | 89.6112% | 1,067 |
| Equity capital to assets | 10.0936% | 4,363 |
| Core capital (leverage) ratio | 10.0060% | 3,532 |
| Tier 1 risk-based capital ratio | 18.5594% | 2,137 |
| Total risk-based capital ratio | 19.6849% | 2,155 |
| Memoranda: | ||
| Average total assets | $59,953,000 | 5,991 |
| Average earning assets | $54,272,500 | 5,984 |
| Average equity | $6,877,250 | 5,862 |
| Average total loans | $31,422,000 | 5,953 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0368% | 1,699 |
| Cost of funding earning assets | 1.0141% | 1,681 |
| Net interest margin | 4.0227% | 2,404 |
| Noninterest income to average assets | 0.5904% | 3,316 |
| Noninterest expense to average assets | 2.3785% | 5,531 |
| Loan and lease loss provision to assets | 0.1001% | 4,277 |
| Net operating income to assets | 1.6946% | 679 |
| Return on assets (ROA) | 1.6946% | 768 |
| Pretax return on assets | 1.6980% | 1,261 |
| Return on Equity (ROE) | 14.2045% | 1,068 |
| Retained earnings to average equity (ytd only) | -115.8169% | 7,211 |
| Net charge-offs to loans | 0.2078% | 3,326 |
| Credit loss provision to net charge-offs | 90.9091% | 3,017 |
| Earnings coverage of net charge-offs (x) | 16.3333% | 1,597 |
| Efficiency ratio | 56.9489% | 6,011 |
| Assets per employee ($millions) | 3.7459% | 4,429 |
| Cash dividends to net income (ytd only)* | 915.3543% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 5,810 |
| Loan loss allowance to noncurrent loans | 81.7308% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 0.6941% | 5,047 |
| Noncurrent loans to loans | 1.3372% | 3,919 |
| Net loans and leases to total assets | 51.3381% | 5,179 |
| Net loans and leases to deposits | 57.0726% | 5,541 |
| Net loans and leases to core deposits | 58.0471% | 5,767 |
| Total domestic deposits to total assets | 89.9523% | 950 |
| Equity capital to assets | 9.7574% | 4,689 |
| Core capital (leverage) ratio | 9.7400% | 3,789 |
| Tier 1 risk-based capital ratio | 17.8726% | 2,334 |
| Total risk-based capital ratio | 18.9163% | 2,377 |
| Memoranda: | ||
| Average total assets | $59,954,330 | 6,027 |
| Average earning assets | $53,447,000 | 6,044 |
| Average equity | $7,152,670 | 5,801 |
| Average total loans | $31,765,000 | 5,975 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0923% | 1,597 |
| Cost of funding earning assets | 1.0761% | 1,516 |
| Net interest margin | 4.0163% | 2,437 |
| Noninterest income to average assets | 0.5336% | 3,675 |
| Noninterest expense to average assets | 2.4348% | 5,357 |
| Loan and lease loss provision to assets | 0.0734% | 4,484 |
| Net operating income to assets | 1.5543% | 935 |
| Return on assets (ROA) | 1.5543% | 1,047 |
| Pretax return on assets | 1.5609% | 1,701 |
| Return on Equity (ROE) | 11.9411% | 1,689 |
| Retained earnings to average equity (ytd only) | -223.2928% | 7,287 |
| Net charge-offs to loans | -0.0374% | 6,430 |
| Credit loss provision to net charge-offs | -366.6667% | 5,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8361% | 5,640 |
| Assets per employee ($millions) | 3.7304% | 4,583 |
| Cash dividends to net income (ytd only)* | 1,969.9571% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 5,785 |
| Loan loss allowance to noncurrent loans | 61.8718% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 1.0505% | 4,392 |
| Noncurrent loans to loans | 1.8323% | 3,365 |
| Net loans and leases to total assets | 52.1604% | 4,994 |
| Net loans and leases to deposits | 57.7457% | 5,410 |
| Net loans and leases to core deposits | 58.1784% | 5,700 |
| Total domestic deposits to total assets | 90.3279% | 896 |
| Equity capital to assets | 9.4091% | 4,947 |
| Core capital (leverage) ratio | 9.3583% | 4,267 |
| Tier 1 risk-based capital ratio | 17.0182% | 2,674 |
| Total risk-based capital ratio | 18.1018% | 2,692 |
| Memoranda: | ||
| Average total assets | $59,964,500 | 6,063 |
| Average earning assets | $52,785,500 | 6,108 |
| Average equity | $7,805,000 | 5,655 |
| Average total loans | $32,093,000 | 6,004 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6827% | 811 |
| Cost of funding earning assets | 1.0408% | 3,090 |
| Net interest margin | 4.6420% | 847 |
| Noninterest income to average assets | 0.6880% | 2,673 |
| Noninterest expense to average assets | 2.5571% | 5,260 |
| Loan and lease loss provision to assets | 0.3422% | 2,959 |
| Net operating income to assets | 1.8819% | 394 |
| Return on assets (ROA) | 1.8855% | 424 |
| Pretax return on assets | 1.8673% | 712 |
| Return on Equity (ROE) | 10.7342% | 1,789 |
| Retained earnings to average equity (ytd only) | 6.8177% | 1,587 |
| Net charge-offs to loans | 0.5781% | 2,715 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 6.4468% | 2,516 |
| Efficiency ratio | 53.6874% | 6,545 |
| Assets per employee ($millions) | 4.0161% | 3,817 |
| Cash dividends to net income (ytd only)* | 36.4865% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0491% | 6,002 |
| Loan loss allowance to noncurrent loans | 67.1233% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 0.9312% | 4,742 |
| Noncurrent loans to loans | 1.5629% | 3,822 |
| Net loans and leases to total assets | 53.7051% | 5,083 |
| Net loans and leases to deposits | 64.5768% | 4,925 |
| Net loans and leases to core deposits | 65.0966% | 5,354 |
| Total domestic deposits to total assets | 83.1646% | 4,683 |
| Equity capital to assets | 16.5898% | 506 |
| Core capital (leverage) ratio | 17.5040% | 332 |
| Tier 1 risk-based capital ratio | 29.3508% | 548 |
| Total risk-based capital ratio | 30.3611% | 550 |
| Memoranda: | ||
| Average total assets | $54,945,400 | 6,202 |
| Average earning assets | $48,233,800 | 6,251 |
| Average equity | $9,651,400 | 5,107 |
| Average total loans | $32,520,000 | 6,044 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8029% | 698 |
| Cost of funding earning assets | 1.0340% | 3,436 |
| Net interest margin | 4.7689% | 664 |
| Noninterest income to average assets | 0.6838% | 2,703 |
| Noninterest expense to average assets | 2.6059% | 5,059 |
| Loan and lease loss provision to assets | 0.3158% | 3,008 |
| Net operating income to assets | 1.9842% | 350 |
| Return on assets (ROA) | 1.9892% | 383 |
| Pretax return on assets | 1.9644% | 672 |
| Return on Equity (ROE) | 11.1506% | 1,809 |
| Retained earnings to average equity (ytd only) | 6.9691% | 1,984 |
| Net charge-offs to loans | 0.7759% | 2,010 |
| Credit loss provision to net charge-offs | 67.1958% | 4,570 |
| Earnings coverage of net charge-offs (x) | 4.8413% | 2,948 |
| Efficiency ratio | 53.3877% | 6,553 |
| Assets per employee ($millions) | 3.7207% | 4,491 |
| Cash dividends to net income (ytd only)* | 37.5000% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8573% | 6,707 |
| Loan loss allowance to noncurrent loans | 270.1923% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.3118% | 6,289 |
| Noncurrent loans to loans | 0.3173% | 6,215 |
| Net loans and leases to total assets | 58.2233% | 4,471 |
| Net loans and leases to deposits | 70.9111% | 4,153 |
| Net loans and leases to core deposits | 71.5323% | 4,768 |
| Total domestic deposits to total assets | 82.1075% | 5,052 |
| Equity capital to assets | 17.6327% | 430 |
| Core capital (leverage) ratio | 17.7136% | 347 |
| Tier 1 risk-based capital ratio | 29.8342% | 547 |
| Total risk-based capital ratio | 30.6892% | 561 |
| Memoranda: | ||
| Average total assets | $53,621,250 | 6,291 |
| Average earning assets | $47,193,750 | 6,332 |
| Average equity | $9,565,750 | 5,165 |
| Average total loans | $32,476,000 | 6,104 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6422% | 984 |
| Cost of funding earning assets | 0.9784% | 4,105 |
| Net interest margin | 4.6639% | 797 |
| Noninterest income to average assets | 0.6428% | 2,893 |
| Noninterest expense to average assets | 2.6658% | 4,952 |
| Loan and lease loss provision to assets | 0.4462% | 2,196 |
| Net operating income to assets | 1.8264% | 474 |
| Return on assets (ROA) | 1.8339% | 496 |
| Pretax return on assets | 1.7924% | 895 |
| Return on Equity (ROE) | 10.2385% | 2,037 |
| Retained earnings to average equity (ytd only) | 6.1853% | 2,307 |
| Net charge-offs to loans | 0.6980% | 2,107 |
| Credit loss provision to net charge-offs | 104.4248% | 2,959 |
| Earnings coverage of net charge-offs (x) | 5.2212% | 2,663 |
| Efficiency ratio | 54.4402% | 6,578 |
| Assets per employee ($millions) | 3.6213% | 4,632 |
| Cash dividends to net income (ytd only)* | 39.5876% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0813% | 6,030 |
| Loan loss allowance to noncurrent loans | 297.4359% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.3258% | 6,313 |
| Noncurrent loans to loans | 0.3635% | 6,175 |
| Net loans and leases to total assets | 58.6064% | 4,527 |
| Net loans and leases to deposits | 71.3901% | 4,217 |
| Net loans and leases to core deposits | 72.0314% | 4,813 |
| Total domestic deposits to total assets | 82.0932% | 5,132 |
| Equity capital to assets | 17.7246% | 409 |
| Core capital (leverage) ratio | 17.8817% | 341 |
| Tier 1 risk-based capital ratio | 29.8223% | 546 |
| Total risk-based capital ratio | 30.9036% | 538 |
| Memoranda: | ||
| Average total assets | $52,891,330 | 6,373 |
| Average earning assets | $48,243,330 | 6,361 |
| Average equity | $9,474,000 | 5,191 |
| Average total loans | $32,376,000 | 6,169 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5002% | 1,298 |
| Cost of funding earning assets | 0.9383% | 4,663 |
| Net interest margin | 4.5619% | 935 |
| Noninterest income to average assets | 0.5980% | 3,181 |
| Noninterest expense to average assets | 2.7368% | 4,686 |
| Loan and lease loss provision to assets | 0.0690% | 5,131 |
| Net operating income to assets | 2.2002% | 262 |
| Return on assets (ROA) | 2.2155% | 268 |
| Pretax return on assets | 2.1312% | 452 |
| Return on Equity (ROE) | 12.3018% | 1,378 |
| Retained earnings to average equity (ytd only) | 7.7046% | 1,839 |
| Net charge-offs to loans | -0.0370% | 6,784 |
| Credit loss provision to net charge-offs | -300.0000% | 5,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6075% | 6,545 |
| Assets per employee ($millions) | 3.5401% | 4,903 |
| Cash dividends to net income (ytd only)* | 37.3702% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 6,084 |
| Loan loss allowance to noncurrent loans | 199.4382% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.4482% | 6,091 |
| Noncurrent loans to loans | 0.5460% | 5,937 |
| Net loans and leases to total assets | 60.7209% | 4,128 |
| Net loans and leases to deposits | 74.0986% | 3,745 |
| Net loans and leases to core deposits | 74.7791% | 4,453 |
| Total domestic deposits to total assets | 81.9461% | 5,336 |
| Equity capital to assets | 17.8694% | 375 |
| Core capital (leverage) ratio | 18.3319% | 314 |
| Tier 1 risk-based capital ratio | 29.1841% | 560 |
| Total risk-based capital ratio | 30.2763% | 557 |
| Memoranda: | ||
| Average total assets | $52,177,000 | 6,451 |
| Average earning assets | $49,453,000 | 6,357 |
| Average equity | $9,397,000 | 5,206 |
| Average total loans | $32,472,500 | 6,210 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7954% | 1,286 |
| Cost of funding earning assets | 1.0649% | 5,341 |
| Net interest margin | 4.7305% | 765 |
| Noninterest income to average assets | 0.5754% | 3,625 |
| Noninterest expense to average assets | 2.5611% | 5,574 |
| Loan and lease loss provision to assets | 0.2277% | 5,000 |
| Net operating income to assets | 2.1656% | 210 |
| Return on assets (ROA) | 2.1656% | 220 |
| Pretax return on assets | 2.1616% | 351 |
| Return on Equity (ROE) | 12.1098% | 1,299 |
| Retained earnings to average equity (ytd only) | 8.6132% | 813 |
| Net charge-offs to loans | 0.0612% | 6,176 |
| Credit loss provision to net charge-offs | 600.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 62.9474% | 380 |
| Efficiency ratio | 51.7353% | 7,005 |
| Assets per employee ($millions) | 3.6609% | 4,547 |
| Cash dividends to net income (ytd only)* | 28.8745% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0604% | 6,106 |
| Loan loss allowance to noncurrent loans | 245.0000% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.4585% | 6,132 |
| Noncurrent loans to loans | 0.4328% | 6,176 |
| Net loans and leases to total assets | 62.4424% | 4,189 |
| Net loans and leases to deposits | 76.4616% | 3,771 |
| Net loans and leases to core deposits | 77.1882% | 4,567 |
| Total domestic deposits to total assets | 81.6651% | 5,308 |
| Equity capital to assets | 18.1554% | 364 |
| Core capital (leverage) ratio | 18.1827% | 322 |
| Tier 1 risk-based capital ratio | 29.0409% | 542 |
| Total risk-based capital ratio | 30.1114% | 541 |
| Memoranda: | ||
| Average total assets | $50,056,000 | 6,535 |
| Average earning assets | $46,295,000 | 6,501 |
| Average equity | $8,951,400 | 5,441 |
| Average total loans | $31,060,200 | 6,355 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8170% | 1,348 |
| Cost of funding earning assets | 1.0679% | 5,602 |
| Net interest margin | 4.7490% | 749 |
| Noninterest income to average assets | 0.5198% | 4,033 |
| Noninterest expense to average assets | 2.4867% | 5,759 |
| Loan and lease loss provision to assets | 0.0991% | 6,030 |
| Net operating income to assets | 2.3232% | 184 |
| Return on assets (ROA) | 2.3232% | 197 |
| Pretax return on assets | 2.3072% | 331 |
| Return on Equity (ROE) | 13.0426% | 1,242 |
| Retained earnings to average equity (ytd only) | 9.8836% | 822 |
| Net charge-offs to loans | 0.0304% | 6,259 |
| Credit loss provision to net charge-offs | 528.5714% | 550 |
| Earnings coverage of net charge-offs (x) | 128.3280% | 248 |
| Efficiency ratio | 50.8215% | 7,086 |
| Assets per employee ($millions) | 3.6626% | 4,580 |
| Cash dividends to net income (ytd only)* | 24.2212% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8590% | 6,866 |
| Loan loss allowance to noncurrent loans | 177.0701% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.3744% | 6,469 |
| Noncurrent loans to loans | 0.4851% | 6,224 |
| Net loans and leases to total assets | 62.5731% | 4,415 |
| Net loans and leases to deposits | 76.4857% | 4,084 |
| Net loans and leases to core deposits | 77.3058% | 4,886 |
| Total domestic deposits to total assets | 81.8102% | 5,070 |
| Equity capital to assets | 17.9246% | 417 |
| Core capital (leverage) ratio | 18.3004% | 330 |
| Tier 1 risk-based capital ratio | 28.1734% | 619 |
| Total risk-based capital ratio | 29.0255% | 626 |
| Memoranda: | ||
| Average total assets | $49,757,000 | 6,628 |
| Average earning assets | $45,819,000 | 6,599 |
| Average equity | $8,863,000 | 5,531 |
| Average total loans | $30,738,750 | 6,448 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8382% | 1,322 |
| Cost of funding earning assets | 1.0655% | 5,842 |
| Net interest margin | 4.7727% | 690 |
| Noninterest income to average assets | 0.5279% | 3,891 |
| Noninterest expense to average assets | 2.4893% | 5,749 |
| Loan and lease loss provision to assets | 0.0731% | 6,216 |
| Net operating income to assets | 2.3715% | 171 |
| Return on assets (ROA) | 2.3715% | 183 |
| Pretax return on assets | 2.3309% | 312 |
| Return on Equity (ROE) | 13.3430% | 1,168 |
| Retained earnings to average equity (ytd only) | 10.1900% | 802 |
| Net charge-offs to loans | -0.0265% | 7,327 |
| Credit loss provision to net charge-offs | -450.0000% | 6,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8714% | 7,162 |
| Assets per employee ($millions) | 3.4369% | 5,084 |
| Cash dividends to net income (ytd only)* | 23.6301% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8762% | 6,832 |
| Loan loss allowance to noncurrent loans | 146.7391% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.4551% | 6,312 |
| Noncurrent loans to loans | 0.5971% | 6,048 |
| Net loans and leases to total assets | 63.4828% | 4,356 |
| Net loans and leases to deposits | 78.2669% | 3,920 |
| Net loans and leases to core deposits | 79.7358% | 4,721 |
| Total domestic deposits to total assets | 81.1106% | 5,368 |
| Equity capital to assets | 18.6628% | 366 |
| Core capital (leverage) ratio | 18.6187% | 320 |
| Tier 1 risk-based capital ratio | 29.4195% | 545 |
| Total risk-based capital ratio | 30.3040% | 556 |
| Memoranda: | ||
| Average total assets | $49,250,670 | 6,680 |
| Average earning assets | $45,048,330 | 6,662 |
| Average equity | $8,753,670 | 5,575 |
| Average total loans | $30,197,330 | 6,517 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7573% | 1,603 |
| Cost of funding earning assets | 1.0907% | 5,957 |
| Net interest margin | 4.6667% | 837 |
| Noninterest income to average assets | 0.5058% | 4,004 |
| Noninterest expense to average assets | 2.4971% | 5,739 |
| Loan and lease loss provision to assets | 0.0723% | 5,914 |
| Net operating income to assets | 2.2321% | 240 |
| Return on assets (ROA) | 2.2321% | 266 |
| Pretax return on assets | 2.1278% | 477 |
| Return on Equity (ROE) | 12.8696% | 1,278 |
| Retained earnings to average equity (ytd only) | 9.2587% | 1,332 |
| Net charge-offs to loans | 0.0401% | 5,019 |
| Credit loss provision to net charge-offs | 300.0000% | 1,310 |
| Earnings coverage of net charge-offs (x) | 91.3333% | 355 |
| Efficiency ratio | 53.1624% | 7,047 |
| Assets per employee ($millions) | 3.4986% | 5,031 |
| Cash dividends to net income (ytd only)* | 28.0576% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8423% | 7,022 |
| Loan loss allowance to noncurrent loans | 100.7937% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.5145% | 6,209 |
| Noncurrent loans to loans | 0.8356% | 5,640 |
| Net loans and leases to total assets | 61.0514% | 4,933 |
| Net loans and leases to deposits | 74.4782% | 4,671 |
| Net loans and leases to core deposits | 75.8343% | 5,279 |
| Total domestic deposits to total assets | 81.9722% | 5,081 |
| Equity capital to assets | 17.8399% | 436 |
| Core capital (leverage) ratio | 17.5304% | 399 |
| Tier 1 risk-based capital ratio | 29.0031% | 581 |
| Total risk-based capital ratio | 29.8466% | 589 |
| Memoranda: | ||
| Average total assets | $49,817,500 | 6,734 |
| Average earning assets | $44,743,000 | 6,748 |
| Average equity | $8,640,500 | 5,647 |
| Average total loans | $29,888,000 | 6,611 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9736% | 1,967 |
| Cost of funding earning assets | 1.4243% | 5,828 |
| Net interest margin | 4.5493% | 1,077 |
| Noninterest income to average assets | 0.5887% | 3,726 |
| Noninterest expense to average assets | 3.4377% | 2,560 |
| Loan and lease loss provision to assets | 0.2221% | 5,586 |
| Net operating income to assets | 1.1438% | 1,401 |
| Return on assets (ROA) | 1.1459% | 1,420 |
| Pretax return on assets | 1.1731% | 2,025 |
| Return on Equity (ROE) | 6.4350% | 3,021 |
| Retained earnings to average equity (ytd only) | 3.8116% | 2,531 |
| Net charge-offs to loans | 0.2602% | 4,995 |
| Credit loss provision to net charge-offs | 141.3333% | 3,428 |
| Earnings coverage of net charge-offs (x) | 8.8667% | 1,877 |
| Efficiency ratio | 71.1622% | 4,417 |
| Assets per employee ($millions) | 3.6182% | 4,740 |
| Cash dividends to net income (ytd only)* | 40.7678% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8373% | 7,023 |
| Loan loss allowance to noncurrent loans | 65.0919% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 0.7521% | 5,601 |
| Noncurrent loans to loans | 1.2863% | 4,777 |
| Net loans and leases to total assets | 57.9824% | 5,669 |
| Net loans and leases to deposits | 69.9060% | 5,617 |
| Net loans and leases to core deposits | 86.1471% | 5,505 |
| Total domestic deposits to total assets | 82.9434% | 4,543 |
| Equity capital to assets | 16.8651% | 569 |
| Core capital (leverage) ratio | 17.8558% | 418 |
| Tier 1 risk-based capital ratio | 28.2854% | 619 |
| Total risk-based capital ratio | 29.1074% | 637 |
| Memoranda: | ||
| Average total assets | $47,735,400 | 6,801 |
| Average earning assets | $44,512,800 | 6,741 |
| Average equity | $8,500,400 | 5,765 |
| Average total loans | $28,819,000 | 6,700 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0044% | 2,021 |
| Cost of funding earning assets | 1.4824% | 5,899 |
| Net interest margin | 4.5220% | 1,138 |
| Noninterest income to average assets | 0.5786% | 3,863 |
| Noninterest expense to average assets | 2.6379% | 5,570 |
| Loan and lease loss provision to assets | 0.1333% | 6,026 |
| Net operating income to assets | 2.0650% | 250 |
| Return on assets (ROA) | 2.0678% | 279 |
| Pretax return on assets | 2.0933% | 452 |
| Return on Equity (ROE) | 11.4489% | 1,497 |
| Retained earnings to average equity (ytd only) | 8.4492% | 995 |
| Net charge-offs to loans | 0.0093% | 6,819 |
| Credit loss provision to net charge-offs | 2,350.0000% | 168 |
| Earnings coverage of net charge-offs (x) | 391.5019% | 94 |
| Efficiency ratio | 54.2590% | 7,210 |
| Assets per employee ($millions) | 3.4226% | 5,114 |
| Cash dividends to net income (ytd only)* | 26.2001% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8922% | 6,791 |
| Loan loss allowance to noncurrent loans | 53.0364% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 1.0309% | 5,015 |
| Noncurrent loans to loans | 1.6822% | 4,127 |
| Net loans and leases to total assets | 60.7404% | 5,462 |
| Net loans and leases to deposits | 74.8971% | 5,226 |
| Net loans and leases to core deposits | 94.8942% | 4,940 |
| Total domestic deposits to total assets | 81.0986% | 5,041 |
| Equity capital to assets | 18.2816% | 487 |
| Core capital (leverage) ratio | 18.2894% | 434 |
| Tier 1 risk-based capital ratio | 30.2343% | 554 |
| Total risk-based capital ratio | 31.1398% | 557 |
| Memoranda: | ||
| Average total assets | $47,005,500 | 6,875 |
| Average earning assets | $44,522,000 | 6,796 |
| Average equity | $8,489,750 | 5,824 |
| Average total loans | $28,619,000 | 6,765 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0747% | 1,882 |
| Cost of funding earning assets | 1.5311% | 6,014 |
| Net interest margin | 4.5435% | 1,069 |
| Noninterest income to average assets | 0.5310% | 4,172 |
| Noninterest expense to average assets | 2.6594% | 5,523 |
| Loan and lease loss provision to assets | 0.1627% | 5,438 |
| Net operating income to assets | 1.9786% | 309 |
| Return on assets (ROA) | 1.9828% | 341 |
| Pretax return on assets | 2.0085% | 553 |
| Return on Equity (ROE) | 11.0242% | 1,695 |
| Retained earnings to average equity (ytd only) | 8.0479% | 1,192 |
| Net charge-offs to loans | -0.0493% | 7,846 |
| Credit loss provision to net charge-offs | -542.8571% | 7,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1020% | 7,218 |
| Assets per employee ($millions) | 3.3505% | 5,187 |
| Cash dividends to net income (ytd only)* | 26.9978% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9070% | 6,737 |
| Loan loss allowance to noncurrent loans | 65.1741% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 1.0041% | 4,961 |
| Noncurrent loans to loans | 1.3916% | 4,430 |
| Net loans and leases to total assets | 61.0250% | 5,516 |
| Net loans and leases to deposits | 75.1983% | 5,292 |
| Net loans and leases to core deposits | 94.7126% | 5,037 |
| Total domestic deposits to total assets | 81.1521% | 5,017 |
| Equity capital to assets | 18.2467% | 528 |
| Core capital (leverage) ratio | 18.1098% | 503 |
| Tier 1 risk-based capital ratio | 30.2327% | 590 |
| Total risk-based capital ratio | 31.1594% | 594 |
| Memoranda: | ||
| Average total assets | $46,701,670 | 6,951 |
| Average earning assets | $44,150,670 | 6,877 |
| Average equity | $8,399,670 | 5,882 |
| Average total loans | $28,369,670 | 6,826 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0783% | 2,032 |
| Cost of funding earning assets | 1.5467% | 6,248 |
| Net interest margin | 4.5316% | 1,062 |
| Noninterest income to average assets | 0.5236% | 4,106 |
| Noninterest expense to average assets | 2.5151% | 5,785 |
| Loan and lease loss provision to assets | 0.2489% | 3,978 |
| Net operating income to assets | 2.0430% | 327 |
| Return on assets (ROA) | 2.0430% | 370 |
| Pretax return on assets | 2.0601% | 587 |
| Return on Equity (ROE) | 11.4423% | 1,833 |
| Retained earnings to average equity (ytd only) | 7.6923% | 1,931 |
| Net charge-offs to loans | -0.0569% | 7,736 |
| Credit loss provision to net charge-offs | -725.0000% | 6,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1352% | 7,404 |
| Assets per employee ($millions) | 3.4018% | 5,071 |
| Cash dividends to net income (ytd only)* | 32.7731% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8841% | 6,815 |
| Loan loss allowance to noncurrent loans | 42.0875% | 5,730 |
| Noncurrent assets plus other real estate owned to assets | 1.2472% | 4,189 |
| Noncurrent loans to loans | 2.1007% | 3,115 |
| Net loans and leases to total assets | 58.8472% | 5,827 |
| Net loans and leases to deposits | 71.8929% | 5,759 |
| Net loans and leases to core deposits | 89.7090% | 5,582 |
| Total domestic deposits to total assets | 81.8541% | 4,610 |
| Equity capital to assets | 17.6210% | 654 |
| Core capital (leverage) ratio | 17.9660% | 556 |
| Tier 1 risk-based capital ratio | 29.8332% | 627 |
| Total risk-based capital ratio | 30.7243% | 638 |
| Memoranda: | ||
| Average total assets | $46,599,000 | 7,003 |
| Average earning assets | $44,223,000 | 6,921 |
| Average equity | $8,320,000 | 5,947 |
| Average total loans | $28,111,000 | 6,876 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4976% | 2,969 |
| Cost of funding earning assets | 2.1719% | 5,720 |
| Net interest margin | 4.3257% | 1,898 |
| Noninterest income to average assets | 0.5176% | 4,488 |
| Noninterest expense to average assets | 2.7705% | 4,948 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.8078% | 548 |
| Return on assets (ROA) | 1.8599% | 465 |
| Pretax return on assets | 1.9200% | 733 |
| Return on Equity (ROE) | 10.9754% | 1,915 |
| Retained earnings to average equity (ytd only) | 8.8462% | 633 |
| Net charge-offs to loans | 0.0877% | 5,488 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 37.7826% | 977 |
| Efficiency ratio | 59.7499% | 6,392 |
| Assets per employee ($millions) | 3.2552% | 5,323 |
| Cash dividends to net income (ytd only)* | 19.3995% | 4,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7765% | 7,184 |
| Loan loss allowance to noncurrent loans | 41.9729% | 5,927 |
| Noncurrent assets plus other real estate owned to assets | 1.1344% | 4,004 |
| Noncurrent loans to loans | 1.8500% | 2,984 |
| Net loans and leases to total assets | 60.8452% | 5,788 |
| Net loans and leases to deposits | 74.7171% | 5,772 |
| Net loans and leases to core deposits | 93.0129% | 5,543 |
| Total domestic deposits to total assets | 81.4342% | 4,447 |
| Equity capital to assets | 18.0984% | 636 |
| Core capital (leverage) ratio | 18.2867% | 573 |
| Tier 1 risk-based capital ratio | 29.7593% | 656 |
| Total risk-based capital ratio | 30.5459% | 666 |
| Memoranda: | ||
| Average total assets | $46,561,400 | 6,915 |
| Average earning assets | $44,339,200 | 6,844 |
| Average equity | $7,890,400 | 6,128 |
| Average total loans | $26,224,000 | 6,951 |