Home > Arcadian Bank > Performance and Condition Ratios
Arcadian Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2580% | 1,558 |
| Cost of funding earning assets | 1.4849% | 1,977 |
| Net interest margin | 3.7731% | 1,604 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.6320% | 1,914 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.4671% | 1,083 |
| Return on assets (ROA) | 1.4570% | 1,072 |
| Pretax return on assets | 1.4570% | 1,519 |
| Return on Equity (ROE) | 13.3100% | 1,647 |
| Retained earnings to average equity (ytd only) | 2.2515% | 3,517 |
| Net charge-offs to loans | -0.0020% | 3,685 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.9832% | 2,607 |
| Assets per employee ($millions) | 6.8506% | 2,175 |
| Cash dividends to net income (ytd only)* | 83.0856% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 2,608 |
| Loan loss allowance to noncurrent loans | 1,303.5461% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.2304% | 2,066 |
| Noncurrent loans to loans | 0.0874% | 3,105 |
| Net loans and leases to total assets | 72.7600% | 1,494 |
| Net loans and leases to deposits | 87.9712% | 1,436 |
| Net loans and leases to core deposits | 97.6018% | 1,561 |
| Total domestic deposits to total assets | 82.7100% | 2,960 |
| Equity capital to assets | 11.0634% | 1,443 |
| Core capital (leverage) ratio | 11.8810% | 1,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $207,753,200 | 2,937 |
| Average earning assets | $193,342,600 | 2,924 |
| Average equity | $22,740,000 | 2,645 |
| Average total loans | $153,662,200 | 2,648 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1787% | 1,496 |
| Cost of funding earning assets | 1.3624% | 1,967 |
| Net interest margin | 3.8163% | 1,562 |
| Noninterest income to average assets | 0.6500% | 1,345 |
| Noninterest expense to average assets | 2.6453% | 1,812 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.5371% | 1,050 |
| Return on assets (ROA) | 1.5234% | 1,066 |
| Pretax return on assets | 1.5234% | 1,513 |
| Return on Equity (ROE) | 13.9600% | 1,661 |
| Retained earnings to average equity (ytd only) | -1.0375% | 4,255 |
| Net charge-offs to loans | -0.0009% | 3,473 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.9549% | 2,617 |
| Assets per employee ($millions) | 6.2106% | 2,552 |
| Cash dividends to net income (ytd only)* | 107.4327% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2049% | 2,330 |
| Loan loss allowance to noncurrent loans | 1,148.1250% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 3,073 |
| Noncurrent loans to loans | 0.1049% | 3,049 |
| Net loans and leases to total assets | 73.4900% | 1,407 |
| Net loans and leases to deposits | 86.3046% | 1,534 |
| Net loans and leases to core deposits | 93.3547% | 1,710 |
| Total domestic deposits to total assets | 85.1600% | 2,453 |
| Equity capital to assets | 10.4455% | 1,575 |
| Core capital (leverage) ratio | 11.8066% | 1,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $204,887,000 | 2,959 |
| Average earning assets | $190,931,500 | 2,947 |
| Average equity | $22,361,750 | 2,661 |
| Average total loans | $151,744,000 | 2,665 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9869% | 1,590 |
| Cost of funding earning assets | 1.2465% | 1,861 |
| Net interest margin | 3.7404% | 1,737 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.6202% | 1,871 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.3316% | 1,490 |
| Return on assets (ROA) | 1.3111% | 1,528 |
| Pretax return on assets | 1.3111% | 2,051 |
| Return on Equity (ROE) | 11.8400% | 2,206 |
| Retained earnings to average equity (ytd only) | -10.3352% | 4,518 |
| Net charge-offs to loans | -0.0013% | 3,473 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.8166% | 2,266 |
| Assets per employee ($millions) | 6.2519% | 2,503 |
| Cash dividends to net income (ytd only)* | 187.2673% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2187% | 2,357 |
| Loan loss allowance to noncurrent loans | 1,133.3333% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 2,986 |
| Noncurrent loans to loans | 0.1075% | 2,942 |
| Net loans and leases to total assets | 72.1300% | 1,516 |
| Net loans and leases to deposits | 82.7165% | 1,782 |
| Net loans and leases to core deposits | 90.5058% | 1,761 |
| Total domestic deposits to total assets | 87.2000% | 1,869 |
| Equity capital to assets | 10.6542% | 1,526 |
| Core capital (leverage) ratio | 11.4107% | 1,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $204,866,333 | 2,969 |
| Average earning assets | $190,940,667 | 2,955 |
| Average equity | $22,679,667 | 2,650 |
| Average total loans | $151,505,000 | 2,660 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7712% | 1,687 |
| Cost of funding earning assets | 1.0359% | 1,928 |
| Net interest margin | 3.7353% | 1,815 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.5707% | 2,048 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4637% | 1,255 |
| Return on assets (ROA) | 1.4225% | 1,319 |
| Pretax return on assets | 1.4225% | 1,827 |
| Return on Equity (ROE) | 12.6100% | 2,077 |
| Retained earnings to average equity (ytd only) | -5.0198% | 4,330 |
| Net charge-offs to loans | -0.0026% | 3,475 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.7203% | 2,496 |
| Assets per employee ($millions) | 6.2657% | 2,532 |
| Cash dividends to net income (ytd only)* | 139.8072% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 2,499 |
| Loan loss allowance to noncurrent loans | 1,101.2195% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 2,985 |
| Noncurrent loans to loans | 0.1099% | 2,974 |
| Net loans and leases to total assets | 73.5300% | 1,261 |
| Net loans and leases to deposits | 87.3381% | 1,265 |
| Net loans and leases to core deposits | 96.1771% | 1,276 |
| Total domestic deposits to total assets | 84.1900% | 3,059 |
| Equity capital to assets | 11.6228% | 1,117 |
| Core capital (leverage) ratio | 12.3373% | 1,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $204,143,000 | 3,010 |
| Average earning assets | $189,972,000 | 3,002 |
| Average equity | $23,029,000 | 2,647 |
| Average total loans | $151,931,500 | 2,686 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4189% | 844 |
| Cost of funding earning assets | 0.3904% | 2,175 |
| Net interest margin | 4.0285% | 752 |
| Noninterest income to average assets | 0.8400% | 914 |
| Noninterest expense to average assets | 2.6538% | 1,667 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.9317% | 335 |
| Return on assets (ROA) | 1.9264% | 331 |
| Pretax return on assets | 1.9264% | 546 |
| Return on Equity (ROE) | 16.1000% | 1,035 |
| Retained earnings to average equity (ytd only) | 8.1373% | 1,777 |
| Net charge-offs to loans | -0.0007% | 3,330 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.8742% | 3,355 |
| Assets per employee ($millions) | 6.4933% | 2,339 |
| Cash dividends to net income (ytd only)* | 49.4536% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 2,538 |
| Loan loss allowance to noncurrent loans | 441.3203% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.1968% | 2,188 |
| Noncurrent loans to loans | 0.2645% | 2,210 |
| Net loans and leases to total assets | 73.5500% | 1,261 |
| Net loans and leases to deposits | 86.5508% | 1,274 |
| Net loans and leases to core deposits | 100.5825% | 971 |
| Total domestic deposits to total assets | 84.9800% | 2,994 |
| Equity capital to assets | 10.9508% | 1,278 |
| Core capital (leverage) ratio | 12.6091% | 1,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $189,992,200 | 3,101 |
| Average earning assets | $176,467,400 | 3,093 |
| Average equity | $22,734,800 | 2,721 |
| Average total loans | $141,389,800 | 2,712 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3001% | 737 |
| Cost of funding earning assets | 0.2443% | 2,765 |
| Net interest margin | 4.0557% | 567 |
| Noninterest income to average assets | 1.0000% | 662 |
| Noninterest expense to average assets | 2.7393% | 1,378 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.0257% | 277 |
| Return on assets (ROA) | 2.0185% | 281 |
| Pretax return on assets | 2.0185% | 448 |
| Return on Equity (ROE) | 16.4800% | 894 |
| Retained earnings to average equity (ytd only) | 7.3264% | 2,256 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.4876% | 3,446 |
| Assets per employee ($millions) | 6.2876% | 2,503 |
| Cash dividends to net income (ytd only)* | 55.5358% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2341% | 2,353 |
| Loan loss allowance to noncurrent loans | 663.6029% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.1442% | 2,602 |
| Noncurrent loans to loans | 0.1860% | 2,657 |
| Net loans and leases to total assets | 76.5900% | 851 |
| Net loans and leases to deposits | 89.6616% | 912 |
| Net loans and leases to core deposits | 97.7091% | 913 |
| Total domestic deposits to total assets | 85.4200% | 3,197 |
| Equity capital to assets | 11.4941% | 1,015 |
| Core capital (leverage) ratio | 12.8325% | 953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $185,544,250 | 3,169 |
| Average earning assets | $172,426,250 | 3,151 |
| Average equity | $22,730,000 | 2,757 |
| Average total loans | $138,079,250 | 2,749 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0905% | 780 |
| Cost of funding earning assets | 0.2167% | 2,684 |
| Net interest margin | 3.8738% | 647 |
| Noninterest income to average assets | 1.0460% | 607 |
| Noninterest expense to average assets | 2.7076% | 1,374 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.9424% | 250 |
| Return on assets (ROA) | 1.9315% | 255 |
| Pretax return on assets | 1.9315% | 442 |
| Return on Equity (ROE) | 15.4422% | 809 |
| Retained earnings to average equity (ytd only) | 1.9238% | 3,771 |
| Net charge-offs to loans | 0.0015% | 2,072 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1,792.0000% | 57 |
| Efficiency ratio | 58.2284% | 3,530 |
| Assets per employee ($millions) | 5.7747% | 2,954 |
| Cash dividends to net income (ytd only)* | 87.5421% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 1,996 |
| Loan loss allowance to noncurrent loans | 1,149.0446% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 3,130 |
| Noncurrent loans to loans | 0.1168% | 3,147 |
| Net loans and leases to total assets | 71.7436% | 1,131 |
| Net loans and leases to deposits | 81.6630% | 1,269 |
| Net loans and leases to core deposits | 88.0991% | 1,217 |
| Total domestic deposits to total assets | 87.8532% | 2,631 |
| Equity capital to assets | 11.9617% | 890 |
| Core capital (leverage) ratio | 12.3865% | 1,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,516,667 | 3,200 |
| Average earning assets | $171,665,000 | 3,203 |
| Average equity | $23,079,667 | 2,814 |
| Average total loans | $135,350,667 | 2,796 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9684% | 822 |
| Cost of funding earning assets | 0.2024% | 2,766 |
| Net interest margin | 3.7661% | 670 |
| Noninterest income to average assets | 1.3429% | 410 |
| Noninterest expense to average assets | 2.6554% | 1,465 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.1998% | 162 |
| Return on assets (ROA) | 2.1998% | 162 |
| Pretax return on assets | 2.1998% | 256 |
| Return on Equity (ROE) | 17.2101% | 401 |
| Retained earnings to average equity (ytd only) | 2.6138% | 3,383 |
| Net charge-offs to loans | 0.0088% | 1,425 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 338.0000% | 289 |
| Efficiency ratio | 54.6917% | 4,007 |
| Assets per employee ($millions) | 5.8538% | 2,941 |
| Cash dividends to net income (ytd only)* | 84.8126% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3298% | 2,214 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 71.3396% | 894 |
| Net loans and leases to deposits | 81.3943% | 1,049 |
| Net loans and leases to core deposits | 88.7167% | 981 |
| Total domestic deposits to total assets | 87.6469% | 2,688 |
| Equity capital to assets | 12.2170% | 881 |
| Core capital (leverage) ratio | 12.2404% | 991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,380,000 | 3,208 |
| Average earning assets | $171,956,500 | 3,215 |
| Average equity | $23,567,500 | 2,865 |
| Average total loans | $135,836,500 | 2,788 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8111% | 354 |
| Cost of funding earning assets | 0.2885% | 2,521 |
| Net interest margin | 4.5226% | 256 |
| Noninterest income to average assets | 0.9896% | 1,025 |
| Noninterest expense to average assets | 2.9176% | 1,116 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.1975% | 247 |
| Return on assets (ROA) | 2.1975% | 256 |
| Pretax return on assets | 2.1975% | 412 |
| Return on Equity (ROE) | 16.7867% | 623 |
| Retained earnings to average equity (ytd only) | 6.9387% | 1,940 |
| Net charge-offs to loans | -0.0015% | 3,329 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0397% | 3,572 |
| Assets per employee ($millions) | 5.8529% | 2,902 |
| Cash dividends to net income (ytd only)* | 58.6653% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 2,247 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 74.0927% | 658 |
| Net loans and leases to deposits | 85.7315% | 807 |
| Net loans and leases to core deposits | 93.8352% | 789 |
| Total domestic deposits to total assets | 86.4241% | 2,749 |
| Equity capital to assets | 13.3654% | 806 |
| Core capital (leverage) ratio | 12.6760% | 882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,931,000 | 3,242 |
| Average earning assets | $160,482,000 | 3,275 |
| Average equity | $23,030,200 | 2,982 |
| Average total loans | $129,369,800 | 2,862 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0314% | 286 |
| Cost of funding earning assets | 0.3097% | 2,501 |
| Net interest margin | 4.7217% | 218 |
| Noninterest income to average assets | 1.0732% | 958 |
| Noninterest expense to average assets | 2.9935% | 990 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.3656% | 255 |
| Return on assets (ROA) | 2.3656% | 265 |
| Pretax return on assets | 2.3656% | 415 |
| Return on Equity (ROE) | 18.1702% | 608 |
| Retained earnings to average equity (ytd only) | 4.8638% | 3,270 |
| Net charge-offs to loans | -0.0021% | 3,226 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8580% | 3,550 |
| Assets per employee ($millions) | 5.6702% | 3,019 |
| Cash dividends to net income (ytd only)* | 73.2322% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 1,725 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 68.5236% | 1,255 |
| Net loans and leases to deposits | 79.2760% | 1,354 |
| Net loans and leases to core deposits | 86.0939% | 1,287 |
| Total domestic deposits to total assets | 86.4367% | 2,587 |
| Equity capital to assets | 13.4233% | 876 |
| Core capital (leverage) ratio | 12.2651% | 1,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,554,000 | 3,291 |
| Average earning assets | $158,442,000 | 3,321 |
| Average equity | $22,725,250 | 3,038 |
| Average total loans | $127,652,750 | 2,913 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9292% | 384 |
| Cost of funding earning assets | 0.3345% | 2,452 |
| Net interest margin | 4.5947% | 310 |
| Noninterest income to average assets | 1.2748% | 713 |
| Noninterest expense to average assets | 3.1514% | 778 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.2567% | 304 |
| Return on assets (ROA) | 2.2567% | 323 |
| Pretax return on assets | 2.2567% | 518 |
| Return on Equity (ROE) | 17.5170% | 716 |
| Retained earnings to average equity (ytd only) | -2.7011% | 4,702 |
| Net charge-offs to loans | -0.0015% | 3,143 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2714% | 3,250 |
| Assets per employee ($millions) | 5.5320% | 3,092 |
| Cash dividends to net income (ytd only)* | 115.4198% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 2,017 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 72.1833% | 945 |
| Net loans and leases to deposits | 83.0173% | 1,125 |
| Net loans and leases to core deposits | 91.6545% | 1,031 |
| Total domestic deposits to total assets | 86.9497% | 2,349 |
| Equity capital to assets | 12.7531% | 1,028 |
| Core capital (leverage) ratio | 11.7203% | 1,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,146,667 | 3,297 |
| Average earning assets | $156,658,000 | 3,344 |
| Average equity | $22,435,333 | 3,056 |
| Average total loans | $129,453,000 | 2,909 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5942% | 672 |
| Cost of funding earning assets | 0.3630% | 2,418 |
| Net interest margin | 4.2312% | 575 |
| Noninterest income to average assets | 1.7579% | 467 |
| Noninterest expense to average assets | 3.1475% | 780 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.4434% | 287 |
| Return on assets (ROA) | 2.4434% | 312 |
| Pretax return on assets | 2.4434% | 481 |
| Return on Equity (ROE) | 18.8688% | 639 |
| Retained earnings to average equity (ytd only) | -18.1176% | 4,901 |
| Net charge-offs to loans | -0.0031% | 3,232 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2966% | 3,513 |
| Assets per employee ($millions) | 5.8309% | 2,761 |
| Cash dividends to net income (ytd only)* | 196.0190% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 1,915 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 72.1188% | 1,004 |
| Net loans and leases to deposits | 83.5581% | 1,192 |
| Net loans and leases to core deposits | 92.6412% | 1,071 |
| Total domestic deposits to total assets | 86.3098% | 2,620 |
| Equity capital to assets | 12.4554% | 1,098 |
| Core capital (leverage) ratio | 11.4840% | 1,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,708,500 | 3,304 |
| Average earning assets | $156,457,500 | 3,345 |
| Average equity | $22,365,000 | 3,053 |
| Average total loans | $129,387,500 | 2,909 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6284% | 1,048 |
| Cost of funding earning assets | 0.4900% | 3,011 |
| Net interest margin | 4.1385% | 729 |
| Noninterest income to average assets | 1.1970% | 778 |
| Noninterest expense to average assets | 2.6116% | 2,510 |
| Loan and lease loss provision to assets | 0.1835% | 2,116 |
| Net operating income to assets | 2.1629% | 194 |
| Return on assets (ROA) | 2.1629% | 204 |
| Pretax return on assets | 2.1629% | 316 |
| Return on Equity (ROE) | 17.9187% | 337 |
| Retained earnings to average equity (ytd only) | 12.6153% | 267 |
| Net charge-offs to loans | 0.0375% | 2,304 |
| Credit loss provision to net charge-offs | 675.0000% | 1,015 |
| Earnings coverage of net charge-offs (x) | 86.2917% | 860 |
| Efficiency ratio | 52.6737% | 4,334 |
| Assets per employee ($millions) | 5.8789% | 2,463 |
| Cash dividends to net income (ytd only)* | 29.5966% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3775% | 2,065 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 75.6729% | 825 |
| Net loans and leases to deposits | 89.2781% | 984 |
| Net loans and leases to core deposits | 99.8622% | 903 |
| Total domestic deposits to total assets | 84.7609% | 2,849 |
| Equity capital to assets | 13.4566% | 943 |
| Core capital (leverage) ratio | 11.2385% | 1,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,521,800 | 3,134 |
| Average earning assets | $160,421,600 | 3,163 |
| Average equity | $21,307,400 | 3,071 |
| Average total loans | $127,976,000 | 2,889 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7922% | 890 |
| Cost of funding earning assets | 0.5190% | 3,117 |
| Net interest margin | 4.2731% | 624 |
| Noninterest income to average assets | 1.1032% | 852 |
| Noninterest expense to average assets | 2.5463% | 2,701 |
| Loan and lease loss provision to assets | 0.2427% | 1,676 |
| Net operating income to assets | 2.1741% | 214 |
| Return on assets (ROA) | 2.1741% | 231 |
| Pretax return on assets | 2.1741% | 360 |
| Return on Equity (ROE) | 18.5206% | 324 |
| Retained earnings to average equity (ytd only) | 11.3114% | 519 |
| Net charge-offs to loans | 0.0513% | 1,874 |
| Credit loss provision to net charge-offs | 661.2245% | 1,106 |
| Earnings coverage of net charge-offs (x) | 65.8571% | 1,041 |
| Efficiency ratio | 51.3053% | 4,396 |
| Assets per employee ($millions) | 6.5456% | 1,795 |
| Cash dividends to net income (ytd only)* | 38.9252% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3078% | 2,127 |
| Loan loss allowance to noncurrent loans | 60,033.3333% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 4,528 |
| Noncurrent loans to loans | 0.0022% | 4,457 |
| Net loans and leases to total assets | 71.6013% | 1,725 |
| Net loans and leases to deposits | 84.1152% | 1,901 |
| Net loans and leases to core deposits | 91.1943% | 1,867 |
| Total domestic deposits to total assets | 85.1229% | 2,385 |
| Equity capital to assets | 11.6109% | 1,931 |
| Core capital (leverage) ratio | 10.6395% | 2,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,030,000 | 3,109 |
| Average earning assets | $160,814,500 | 3,144 |
| Average equity | $20,898,750 | 3,100 |
| Average total loans | $127,266,000 | 2,901 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0404% | 772 |
| Cost of funding earning assets | 0.5822% | 3,070 |
| Net interest margin | 4.4582% | 552 |
| Noninterest income to average assets | 1.0316% | 927 |
| Noninterest expense to average assets | 2.6985% | 2,387 |
| Loan and lease loss provision to assets | 0.2757% | 1,549 |
| Net operating income to assets | 2.0954% | 267 |
| Return on assets (ROA) | 2.0954% | 301 |
| Pretax return on assets | 2.0954% | 445 |
| Return on Equity (ROE) | 17.7792% | 386 |
| Retained earnings to average equity (ytd only) | 8.7142% | 1,098 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2291% | 4,260 |
| Assets per employee ($millions) | 6.2994% | 1,949 |
| Cash dividends to net income (ytd only)* | 50.9868% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 2,059 |
| Loan loss allowance to noncurrent loans | 406.9124% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.2376% | 3,372 |
| Noncurrent loans to loans | 0.3167% | 3,251 |
| Net loans and leases to total assets | 74.0489% | 1,406 |
| Net loans and leases to deposits | 87.2223% | 1,639 |
| Net loans and leases to core deposits | 93.6392% | 1,779 |
| Total domestic deposits to total assets | 84.8967% | 2,435 |
| Equity capital to assets | 11.6065% | 1,909 |
| Core capital (leverage) ratio | 10.6130% | 2,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,099,333 | 3,126 |
| Average earning assets | $157,686,000 | 3,156 |
| Average equity | $20,518,333 | 3,130 |
| Average total loans | $123,782,667 | 2,936 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9167% | 1,152 |
| Cost of funding earning assets | 0.7178% | 2,854 |
| Net interest margin | 4.1989% | 929 |
| Noninterest income to average assets | 0.7609% | 1,429 |
| Noninterest expense to average assets | 2.6171% | 2,932 |
| Loan and lease loss provision to assets | 0.2120% | 1,445 |
| Net operating income to assets | 1.6795% | 535 |
| Return on assets (ROA) | 1.6795% | 589 |
| Pretax return on assets | 1.6795% | 891 |
| Return on Equity (ROE) | 14.1356% | 670 |
| Retained earnings to average equity (ytd only) | 10.1705% | 712 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0460% | 3,994 |
| Assets per employee ($millions) | 5.8776% | 1,776 |
| Cash dividends to net income (ytd only)* | 28.0505% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 1,741 |
| Loan loss allowance to noncurrent loans | 2,938.1818% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 4,460 |
| Noncurrent loans to loans | 0.0472% | 4,364 |
| Net loans and leases to total assets | 67.3443% | 2,641 |
| Net loans and leases to deposits | 76.6701% | 3,013 |
| Net loans and leases to core deposits | 82.9820% | 2,935 |
| Total domestic deposits to total assets | 87.8364% | 1,170 |
| Equity capital to assets | 12.0475% | 2,033 |
| Core capital (leverage) ratio | 11.1653% | 2,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,808,000 | 3,139 |
| Average earning assets | $151,565,000 | 3,174 |
| Average equity | $20,176,000 | 3,153 |
| Average total loans | $117,154,000 | 2,986 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9998% | 1,486 |
| Cost of funding earning assets | 0.7950% | 2,710 |
| Net interest margin | 4.2048% | 1,310 |
| Noninterest income to average assets | 0.7037% | 1,804 |
| Noninterest expense to average assets | 2.6185% | 3,125 |
| Loan and lease loss provision to assets | 0.1792% | 1,165 |
| Net operating income to assets | 1.7980% | 520 |
| Return on assets (ROA) | 1.7980% | 552 |
| Pretax return on assets | 1.7980% | 945 |
| Return on Equity (ROE) | 15.6240% | 587 |
| Retained earnings to average equity (ytd only) | 10.0026% | 490 |
| Net charge-offs to loans | 0.0539% | 2,332 |
| Credit loss provision to net charge-offs | 475.4098% | 611 |
| Earnings coverage of net charge-offs (x) | 52.4590% | 1,089 |
| Efficiency ratio | 56.7491% | 4,117 |
| Assets per employee ($millions) | 6.5063% | 1,284 |
| Cash dividends to net income (ytd only)* | 35.9794% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 1,953 |
| Loan loss allowance to noncurrent loans | 2,725.0000% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 4,478 |
| Noncurrent loans to loans | 0.0475% | 4,363 |
| Net loans and leases to total assets | 68.7950% | 2,570 |
| Net loans and leases to deposits | 79.6775% | 2,816 |
| Net loans and leases to core deposits | 88.8530% | 2,528 |
| Total domestic deposits to total assets | 86.3417% | 1,914 |
| Equity capital to assets | 11.7146% | 2,344 |
| Core capital (leverage) ratio | 10.8002% | 2,678 |
| Tier 1 risk-based capital ratio | 14.3460% | 3,092 |
| Total risk-based capital ratio | 15.5660% | 3,024 |
| Memoranda: | ||
| Average total assets | $161,848,200 | 3,189 |
| Average earning assets | $149,805,600 | 3,176 |
| Average equity | $18,625,200 | 3,267 |
| Average total loans | $113,261,800 | 3,033 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9764% | 1,608 |
| Cost of funding earning assets | 0.8013% | 2,711 |
| Net interest margin | 4.1750% | 1,434 |
| Noninterest income to average assets | 0.7174% | 1,714 |
| Noninterest expense to average assets | 2.6405% | 3,040 |
| Loan and lease loss provision to assets | 0.1916% | 935 |
| Net operating income to assets | 1.7706% | 648 |
| Return on assets (ROA) | 1.7706% | 681 |
| Pretax return on assets | 1.7706% | 1,157 |
| Return on Equity (ROE) | 15.4593% | 693 |
| Retained earnings to average equity (ytd only) | 7.8424% | 1,472 |
| Net charge-offs to loans | 0.0726% | 1,790 |
| Credit loss provision to net charge-offs | 377.0492% | 804 |
| Earnings coverage of net charge-offs (x) | 38.6072% | 1,404 |
| Efficiency ratio | 57.0601% | 4,058 |
| Assets per employee ($millions) | 6.6327% | 1,206 |
| Cash dividends to net income (ytd only)* | 49.2708% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 2,051 |
| Loan loss allowance to noncurrent loans | 276.0829% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.3079% | 3,313 |
| Noncurrent loans to loans | 0.4644% | 2,907 |
| Net loans and leases to total assets | 65.4572% | 3,119 |
| Net loans and leases to deposits | 73.7018% | 3,501 |
| Net loans and leases to core deposits | 78.7494% | 3,487 |
| Total domestic deposits to total assets | 88.8136% | 683 |
| Equity capital to assets | 11.0670% | 3,043 |
| Core capital (leverage) ratio | 10.5445% | 3,067 |
| Tier 1 risk-based capital ratio | 14.2767% | 3,185 |
| Total risk-based capital ratio | 15.4958% | 3,104 |
| Memoranda: | ||
| Average total assets | $160,019,000 | 3,233 |
| Average earning assets | $148,913,000 | 3,216 |
| Average equity | $18,327,250 | 3,320 |
| Average total loans | $112,101,500 | 3,084 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0408% | 1,368 |
| Cost of funding earning assets | 0.7900% | 2,693 |
| Net interest margin | 4.2508% | 1,235 |
| Noninterest income to average assets | 0.6621% | 1,867 |
| Noninterest expense to average assets | 2.6521% | 3,051 |
| Loan and lease loss provision to assets | 0.1925% | 910 |
| Net operating income to assets | 1.7668% | 639 |
| Return on assets (ROA) | 1.7668% | 667 |
| Pretax return on assets | 1.7668% | 1,130 |
| Return on Equity (ROE) | 15.2368% | 717 |
| Retained earnings to average equity (ytd only) | 5.8646% | 2,344 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0395% | 4,126 |
| Assets per employee ($millions) | 6.1377% | 1,446 |
| Cash dividends to net income (ytd only)* | 61.5105% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2827% | 2,087 |
| Loan loss allowance to noncurrent loans | 1,365.0943% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 4,419 |
| Noncurrent loans to loans | 0.0940% | 4,260 |
| Net loans and leases to total assets | 69.7859% | 2,555 |
| Net loans and leases to deposits | 79.0698% | 3,054 |
| Net loans and leases to core deposits | 85.6344% | 2,985 |
| Total domestic deposits to total assets | 88.2586% | 986 |
| Equity capital to assets | 11.5778% | 2,546 |
| Core capital (leverage) ratio | 10.7344% | 2,858 |
| Tier 1 risk-based capital ratio | 14.0130% | 3,317 |
| Total risk-based capital ratio | 15.2330% | 3,240 |
| Memoranda: | ||
| Average total assets | $155,875,330 | 3,283 |
| Average earning assets | $144,818,670 | 3,275 |
| Average equity | $18,074,670 | 3,344 |
| Average total loans | $111,353,000 | 3,109 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9761% | 1,394 |
| Cost of funding earning assets | 0.7643% | 2,709 |
| Net interest margin | 4.2118% | 1,283 |
| Noninterest income to average assets | 0.4155% | 3,079 |
| Noninterest expense to average assets | 2.5944% | 3,229 |
| Loan and lease loss provision to assets | 0.1818% | 905 |
| Net operating income to assets | 1.5322% | 1,046 |
| Return on assets (ROA) | 1.5322% | 1,070 |
| Pretax return on assets | 1.5322% | 1,673 |
| Return on Equity (ROE) | 13.2035% | 1,154 |
| Retained earnings to average equity (ytd only) | 13.2035% | 438 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1923% | 3,924 |
| Assets per employee ($millions) | 5.9854% | 1,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 2,415 |
| Loan loss allowance to noncurrent loans | 1,265.7407% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 4,473 |
| Noncurrent loans to loans | 0.0974% | 4,307 |
| Net loans and leases to total assets | 70.3665% | 2,426 |
| Net loans and leases to deposits | 79.9540% | 2,843 |
| Net loans and leases to core deposits | 86.5871% | 2,820 |
| Total domestic deposits to total assets | 88.0087% | 1,337 |
| Equity capital to assets | 11.7568% | 2,182 |
| Core capital (leverage) ratio | 11.1209% | 2,453 |
| Tier 1 risk-based capital ratio | 14.1977% | 3,242 |
| Total risk-based capital ratio | 15.3612% | 3,211 |
| Memoranda: | ||
| Average total assets | $154,022,500 | 3,347 |
| Average earning assets | $142,360,500 | 3,340 |
| Average equity | $17,874,000 | 3,362 |
| Average total loans | $110,623,500 | 3,158 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9873% | 1,071 |
| Cost of funding earning assets | 0.6166% | 2,607 |
| Net interest margin | 4.3707% | 1,000 |
| Noninterest income to average assets | 0.4568% | 3,069 |
| Noninterest expense to average assets | 2.5298% | 3,524 |
| Loan and lease loss provision to assets | 0.1785% | 1,102 |
| Net operating income to assets | 1.8123% | 540 |
| Return on assets (ROA) | 1.8123% | 534 |
| Pretax return on assets | 1.8123% | 889 |
| Return on Equity (ROE) | 16.2548% | 579 |
| Retained earnings to average equity (ytd only) | 9.6562% | 695 |
| Net charge-offs to loans | -0.0240% | 4,746 |
| Credit loss provision to net charge-offs | -1,019.2308% | 4,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9627% | 4,522 |
| Assets per employee ($millions) | 6.0970% | 1,462 |
| Cash dividends to net income (ytd only)* | 40.5948% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 2,694 |
| Loan loss allowance to noncurrent loans | 693.5829% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.1227% | 4,209 |
| Noncurrent loans to loans | 0.1694% | 3,990 |
| Net loans and leases to total assets | 71.5622% | 2,333 |
| Net loans and leases to deposits | 81.1043% | 2,838 |
| Net loans and leases to core deposits | 87.9647% | 2,758 |
| Total domestic deposits to total assets | 88.2348% | 1,192 |
| Equity capital to assets | 11.4496% | 2,291 |
| Core capital (leverage) ratio | 10.6613% | 2,876 |
| Tier 1 risk-based capital ratio | 13.6942% | 3,442 |
| Total risk-based capital ratio | 14.7992% | 3,426 |
| Memoranda: | ||
| Average total assets | $148,432,000 | 3,405 |
| Average earning assets | $138,009,800 | 3,385 |
| Average equity | $16,549,000 | 3,455 |
| Average total loans | $108,550,800 | 3,156 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8909% | 1,182 |
| Cost of funding earning assets | 0.6047% | 2,441 |
| Net interest margin | 4.2862% | 1,150 |
| Noninterest income to average assets | 0.4693% | 3,047 |
| Noninterest expense to average assets | 2.5674% | 3,392 |
| Loan and lease loss provision to assets | 0.1673% | 1,123 |
| Net operating income to assets | 1.7408% | 682 |
| Return on assets (ROA) | 1.7408% | 687 |
| Pretax return on assets | 1.7408% | 1,175 |
| Return on Equity (ROE) | 15.7236% | 742 |
| Retained earnings to average equity (ytd only) | 8.4377% | 1,453 |
| Net charge-offs to loans | -0.0321% | 4,775 |
| Credit loss provision to net charge-offs | -711.5385% | 4,565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3548% | 4,338 |
| Assets per employee ($millions) | 5.9985% | 1,487 |
| Cash dividends to net income (ytd only)* | 46.3376% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 2,964 |
| Loan loss allowance to noncurrent loans | 477.2549% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.1700% | 4,101 |
| Noncurrent loans to loans | 0.2388% | 3,844 |
| Net loans and leases to total assets | 70.3938% | 2,582 |
| Net loans and leases to deposits | 79.3941% | 3,101 |
| Net loans and leases to core deposits | 86.2050% | 2,977 |
| Total domestic deposits to total assets | 88.6638% | 971 |
| Equity capital to assets | 11.1482% | 2,519 |
| Core capital (leverage) ratio | 10.3412% | 3,245 |
| Tier 1 risk-based capital ratio | 13.8632% | 3,436 |
| Total risk-based capital ratio | 14.9523% | 3,432 |
| Memoranda: | ||
| Average total assets | $147,434,000 | 3,450 |
| Average earning assets | $137,803,250 | 3,424 |
| Average equity | $16,323,250 | 3,499 |
| Average total loans | $108,094,750 | 3,191 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8381% | 1,154 |
| Cost of funding earning assets | 0.5847% | 2,331 |
| Net interest margin | 4.2534% | 1,152 |
| Noninterest income to average assets | 0.4475% | 3,167 |
| Noninterest expense to average assets | 2.5213% | 3,576 |
| Loan and lease loss provision to assets | 0.1637% | 1,129 |
| Net operating income to assets | 1.7327% | 678 |
| Return on assets (ROA) | 1.7327% | 679 |
| Pretax return on assets | 1.7327% | 1,132 |
| Return on Equity (ROE) | 15.6871% | 731 |
| Retained earnings to average equity (ytd only) | 4.6691% | 3,253 |
| Net charge-offs to loans | -0.1032% | 5,169 |
| Credit loss provision to net charge-offs | -214.2857% | 4,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0222% | 4,472 |
| Assets per employee ($millions) | 5.9564% | 1,500 |
| Cash dividends to net income (ytd only)* | 70.2362% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0682% | 3,445 |
| Loan loss allowance to noncurrent loans | 875.5556% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.0907% | 4,560 |
| Noncurrent loans to loans | 0.1220% | 4,361 |
| Net loans and leases to total assets | 73.5135% | 2,028 |
| Net loans and leases to deposits | 82.6730% | 2,695 |
| Net loans and leases to core deposits | 89.7949% | 2,589 |
| Total domestic deposits to total assets | 88.9208% | 964 |
| Equity capital to assets | 10.8723% | 2,759 |
| Core capital (leverage) ratio | 9.8643% | 3,718 |
| Tier 1 risk-based capital ratio | 12.9004% | 3,951 |
| Total risk-based capital ratio | 13.9293% | 3,976 |
| Memoranda: | ||
| Average total assets | $146,591,330 | 3,482 |
| Average earning assets | $136,831,330 | 3,461 |
| Average equity | $16,191,670 | 3,534 |
| Average total loans | $108,532,670 | 3,197 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7384% | 1,216 |
| Cost of funding earning assets | 0.5786% | 2,185 |
| Net interest margin | 4.1597% | 1,273 |
| Noninterest income to average assets | 0.4016% | 3,453 |
| Noninterest expense to average assets | 2.4644% | 3,759 |
| Loan and lease loss provision to assets | 0.1650% | 1,082 |
| Net operating income to assets | 1.6475% | 767 |
| Return on assets (ROA) | 1.6475% | 771 |
| Pretax return on assets | 1.6475% | 1,251 |
| Return on Equity (ROE) | 14.7970% | 838 |
| Retained earnings to average equity (ytd only) | 12.3267% | 621 |
| Net charge-offs to loans | -0.2084% | 5,387 |
| Credit loss provision to net charge-offs | -107.1429% | 3,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5273% | 4,516 |
| Assets per employee ($millions) | 6.3110% | 1,304 |
| Cash dividends to net income (ytd only)* | 16.6945% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0409% | 3,721 |
| Loan loss allowance to noncurrent loans | 202.1622% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.5665% | 2,625 |
| Noncurrent loans to loans | 0.5149% | 2,972 |
| Net loans and leases to total assets | 70.4249% | 2,403 |
| Net loans and leases to deposits | 79.0299% | 2,914 |
| Net loans and leases to core deposits | 86.0331% | 2,801 |
| Total domestic deposits to total assets | 89.1117% | 1,048 |
| Equity capital to assets | 10.7985% | 2,768 |
| Core capital (leverage) ratio | 10.4987% | 2,944 |
| Tier 1 risk-based capital ratio | 13.2662% | 3,798 |
| Total risk-based capital ratio | 14.2636% | 3,853 |
| Memoranda: | ||
| Average total assets | $145,432,000 | 3,525 |
| Average earning assets | $135,489,500 | 3,514 |
| Average equity | $16,192,500 | 3,563 |
| Average total loans | $107,473,500 | 3,240 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7253% | 1,138 |
| Cost of funding earning assets | 0.4471% | 2,806 |
| Net interest margin | 4.2782% | 1,015 |
| Noninterest income to average assets | 0.3986% | 3,645 |
| Noninterest expense to average assets | 2.6881% | 3,168 |
| Loan and lease loss provision to assets | 0.2001% | 1,036 |
| Net operating income to assets | 1.4737% | 861 |
| Return on assets (ROA) | 1.4885% | 847 |
| Pretax return on assets | 1.4885% | 1,689 |
| Return on Equity (ROE) | 13.0341% | 946 |
| Retained earnings to average equity (ytd only) | 7.7789% | 832 |
| Net charge-offs to loans | 0.2037% | 1,268 |
| Credit loss provision to net charge-offs | 127.9621% | 2,056 |
| Earnings coverage of net charge-offs (x) | 10.7062% | 2,647 |
| Efficiency ratio | 60.4892% | 4,185 |
| Assets per employee ($millions) | 5.8083% | 1,648 |
| Cash dividends to net income (ytd only)* | 40.3186% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 4,278 |
| Loan loss allowance to noncurrent loans | 193.0902% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.6449% | 2,391 |
| Noncurrent loans to loans | 0.4862% | 3,061 |
| Net loans and leases to total assets | 76.1483% | 1,563 |
| Net loans and leases to deposits | 92.1881% | 1,496 |
| Net loans and leases to core deposits | 102.3922% | 1,530 |
| Total domestic deposits to total assets | 82.6010% | 3,695 |
| Equity capital to assets | 11.4986% | 2,202 |
| Core capital (leverage) ratio | 10.5696% | 2,772 |
| Tier 1 risk-based capital ratio | 12.8287% | 4,018 |
| Total risk-based capital ratio | 13.7244% | 4,123 |
| Memoranda: | ||
| Average total assets | $134,966,000 | 3,681 |
| Average earning assets | $125,028,200 | 3,666 |
| Average equity | $15,413,400 | 3,667 |
| Average total loans | $103,596,800 | 3,290 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7940% | 936 |
| Cost of funding earning assets | 0.4263% | 2,915 |
| Net interest margin | 4.3677% | 787 |
| Noninterest income to average assets | 0.3476% | 4,048 |
| Noninterest expense to average assets | 2.7362% | 2,939 |
| Loan and lease loss provision to assets | 0.2092% | 900 |
| Net operating income to assets | 1.4542% | 984 |
| Return on assets (ROA) | 1.4841% | 944 |
| Pretax return on assets | 1.4841% | 1,825 |
| Return on Equity (ROE) | 13.0189% | 1,055 |
| Retained earnings to average equity (ytd only) | 6.8152% | 1,791 |
| Net charge-offs to loans | 0.0740% | 2,077 |
| Credit loss provision to net charge-offs | 368.4211% | 832 |
| Earnings coverage of net charge-offs (x) | 29.2975% | 1,578 |
| Efficiency ratio | 61.0595% | 4,034 |
| Assets per employee ($millions) | 5.7213% | 1,701 |
| Cash dividends to net income (ytd only)* | 47.6508% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 3,706 |
| Loan loss allowance to noncurrent loans | 145.3104% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.7942% | 2,158 |
| Noncurrent loans to loans | 0.7326% | 2,525 |
| Net loans and leases to total assets | 71.4688% | 2,335 |
| Net loans and leases to deposits | 80.4381% | 2,927 |
| Net loans and leases to core deposits | 87.6616% | 2,804 |
| Total domestic deposits to total assets | 88.8494% | 950 |
| Equity capital to assets | 10.9800% | 2,882 |
| Core capital (leverage) ratio | 10.2374% | 3,268 |
| Tier 1 risk-based capital ratio | 12.8968% | 4,083 |
| Total risk-based capital ratio | 13.9121% | 4,120 |
| Memoranda: | ||
| Average total assets | $133,857,750 | 3,727 |
| Average earning assets | $124,180,250 | 3,710 |
| Average equity | $15,259,500 | 3,721 |
| Average total loans | $102,707,000 | 3,336 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7664% | 932 |
| Cost of funding earning assets | 0.3976% | 3,100 |
| Net interest margin | 4.3688% | 744 |
| Noninterest income to average assets | 0.3272% | 4,207 |
| Noninterest expense to average assets | 2.6957% | 3,104 |
| Loan and lease loss provision to assets | 0.2446% | 687 |
| Net operating income to assets | 1.4358% | 988 |
| Return on assets (ROA) | 1.4817% | 918 |
| Pretax return on assets | 1.4817% | 1,712 |
| Return on Equity (ROE) | 12.8251% | 1,083 |
| Retained earnings to average equity (ytd only) | 4.7515% | 2,884 |
| Net charge-offs to loans | 0.1112% | 1,522 |
| Credit loss provision to net charge-offs | 280.7018% | 1,009 |
| Earnings coverage of net charge-offs (x) | 19.2807% | 1,843 |
| Efficiency ratio | 60.4123% | 4,261 |
| Assets per employee ($millions) | 5.9633% | 1,493 |
| Cash dividends to net income (ytd only)* | 62.9515% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9865% | 4,234 |
| Loan loss allowance to noncurrent loans | 70.9939% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 1.3547% | 1,182 |
| Noncurrent loans to loans | 1.3895% | 1,389 |
| Net loans and leases to total assets | 76.8397% | 1,406 |
| Net loans and leases to deposits | 86.6546% | 2,148 |
| Net loans and leases to core deposits | 95.2033% | 2,053 |
| Total domestic deposits to total assets | 88.6736% | 1,116 |
| Equity capital to assets | 11.1697% | 2,634 |
| Core capital (leverage) ratio | 10.3938% | 3,029 |
| Tier 1 risk-based capital ratio | 12.1180% | 4,556 |
| Total risk-based capital ratio | 13.0580% | 4,645 |
| Memoranda: | ||
| Average total assets | $130,799,330 | 3,793 |
| Average earning assets | $121,223,330 | 3,784 |
| Average equity | $15,111,000 | 3,746 |
| Average total loans | $102,501,330 | 3,351 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7175% | 911 |
| Cost of funding earning assets | 0.3694% | 3,319 |
| Net interest margin | 4.3481% | 709 |
| Noninterest income to average assets | 0.2695% | 4,614 |
| Noninterest expense to average assets | 2.8177% | 2,724 |
| Loan and lease loss provision to assets | 0.2507% | 598 |
| Net operating income to assets | 1.2224% | 1,455 |
| Return on assets (ROA) | 1.3164% | 1,232 |
| Pretax return on assets | 1.3164% | 2,177 |
| Return on Equity (ROE) | 11.1951% | 1,498 |
| Retained earnings to average equity (ytd only) | 11.1951% | 573 |
| Net charge-offs to loans | -0.0358% | 5,020 |
| Credit loss provision to net charge-offs | -888.8889% | 4,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4266% | 3,766 |
| Assets per employee ($millions) | 5.3945% | 1,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0191% | 4,167 |
| Loan loss allowance to noncurrent loans | 68.1131% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 1.4745% | 1,108 |
| Noncurrent loans to loans | 1.4961% | 1,338 |
| Net loans and leases to total assets | 77.7221% | 1,170 |
| Net loans and leases to deposits | 88.2228% | 1,766 |
| Net loans and leases to core deposits | 96.3260% | 1,796 |
| Total domestic deposits to total assets | 88.0975% | 1,661 |
| Equity capital to assets | 11.7766% | 1,983 |
| Core capital (leverage) ratio | 11.0766% | 2,287 |
| Tier 1 risk-based capital ratio | 12.6363% | 4,305 |
| Total risk-based capital ratio | 13.6004% | 4,384 |
| Memoranda: | ||
| Average total assets | $127,620,500 | 3,881 |
| Average earning assets | $118,028,500 | 3,868 |
| Average equity | $15,006,500 | 3,785 |
| Average total loans | $100,531,500 | 3,411 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9090% | 728 |
| Cost of funding earning assets | 0.3439% | 3,594 |
| Net interest margin | 4.5650% | 536 |
| Noninterest income to average assets | 0.4503% | 3,543 |
| Noninterest expense to average assets | 2.7361% | 3,239 |
| Loan and lease loss provision to assets | 0.3097% | 607 |
| Net operating income to assets | 1.5477% | 767 |
| Return on assets (ROA) | 1.5477% | 787 |
| Pretax return on assets | 1.5477% | 1,439 |
| Return on Equity (ROE) | 13.2096% | 948 |
| Retained earnings to average equity (ytd only) | 7.4512% | 1,058 |
| Net charge-offs to loans | 0.2569% | 1,079 |
| Credit loss provision to net charge-offs | 158.0913% | 1,740 |
| Earnings coverage of net charge-offs (x) | 9.4813% | 2,748 |
| Efficiency ratio | 58.3790% | 4,807 |
| Assets per employee ($millions) | 5.7169% | 1,681 |
| Cash dividends to net income (ytd only)* | 43.5924% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 4,564 |
| Loan loss allowance to noncurrent loans | 193.6605% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.6973% | 2,629 |
| Noncurrent loans to loans | 0.4919% | 3,393 |
| Net loans and leases to total assets | 78.2797% | 1,161 |
| Net loans and leases to deposits | 92.1259% | 1,439 |
| Net loans and leases to core deposits | 98.5003% | 1,737 |
| Total domestic deposits to total assets | 84.9704% | 3,064 |
| Equity capital to assets | 11.7403% | 1,977 |
| Core capital (leverage) ratio | 10.6245% | 2,747 |
| Tier 1 risk-based capital ratio | 12.4309% | 4,423 |
| Total risk-based capital ratio | 13.3267% | 4,558 |
| Memoranda: | ||
| Average total assets | $123,020,400 | 3,943 |
| Average earning assets | $111,653,200 | 3,978 |
| Average equity | $14,413,800 | 3,887 |
| Average total loans | $93,816,600 | 3,500 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8780% | 760 |
| Cost of funding earning assets | 0.3438% | 3,616 |
| Net interest margin | 4.5342% | 582 |
| Noninterest income to average assets | 0.4534% | 3,536 |
| Noninterest expense to average assets | 2.7237% | 3,281 |
| Loan and lease loss provision to assets | 0.3117% | 537 |
| Net operating income to assets | 1.5150% | 855 |
| Return on assets (ROA) | 1.5150% | 906 |
| Pretax return on assets | 1.5150% | 1,665 |
| Return on Equity (ROE) | 12.9368% | 1,079 |
| Retained earnings to average equity (ytd only) | 5.2119% | 2,686 |
| Net charge-offs to loans | 0.3477% | 656 |
| Credit loss provision to net charge-offs | 118.6722% | 2,107 |
| Earnings coverage of net charge-offs (x) | 6.9543% | 2,940 |
| Efficiency ratio | 58.6587% | 4,727 |
| Assets per employee ($millions) | 5.2840% | 2,063 |
| Cash dividends to net income (ytd only)* | 59.7122% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 4,903 |
| Loan loss allowance to noncurrent loans | 98.8399% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 0.9857% | 2,103 |
| Noncurrent loans to loans | 0.9013% | 2,444 |
| Net loans and leases to total assets | 74.7483% | 1,751 |
| Net loans and leases to deposits | 85.7893% | 2,285 |
| Net loans and leases to core deposits | 91.7985% | 2,407 |
| Total domestic deposits to total assets | 87.1301% | 1,834 |
| Equity capital to assets | 11.5436% | 2,477 |
| Core capital (leverage) ratio | 10.1329% | 3,399 |
| Tier 1 risk-based capital ratio | 12.3236% | 4,592 |
| Total risk-based capital ratio | 13.1562% | 4,740 |
| Memoranda: | ||
| Average total assets | $122,332,500 | 3,978 |
| Average earning assets | $110,534,000 | 4,021 |
| Average equity | $14,325,750 | 3,936 |
| Average total loans | $92,420,500 | 3,540 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8486% | 803 |
| Cost of funding earning assets | 0.3419% | 3,653 |
| Net interest margin | 4.5067% | 612 |
| Noninterest income to average assets | 0.4204% | 3,736 |
| Noninterest expense to average assets | 2.6697% | 3,489 |
| Loan and lease loss provision to assets | 0.3410% | 480 |
| Net operating income to assets | 1.4896% | 912 |
| Return on assets (ROA) | 1.4896% | 956 |
| Pretax return on assets | 1.4896% | 1,705 |
| Return on Equity (ROE) | 12.6570% | 1,114 |
| Retained earnings to average equity (ytd only) | 4.5003% | 3,048 |
| Net charge-offs to loans | 0.3372% | 701 |
| Credit loss provision to net charge-offs | 133.7662% | 1,739 |
| Earnings coverage of net charge-offs (x) | 7.1818% | 2,654 |
| Efficiency ratio | 58.0728% | 4,890 |
| Assets per employee ($millions) | 5.3956% | 1,889 |
| Cash dividends to net income (ytd only)* | 64.4444% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9345% | 4,821 |
| Loan loss allowance to noncurrent loans | 49.7394% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 1.3989% | 1,413 |
| Noncurrent loans to loans | 1.8789% | 1,081 |
| Net loans and leases to total assets | 73.3751% | 1,950 |
| Net loans and leases to deposits | 84.3917% | 2,419 |
| Net loans and leases to core deposits | 91.3621% | 2,399 |
| Total domestic deposits to total assets | 86.9458% | 1,943 |
| Equity capital to assets | 11.6440% | 2,411 |
| Core capital (leverage) ratio | 10.2085% | 3,326 |
| Tier 1 risk-based capital ratio | 12.6186% | 4,435 |
| Total risk-based capital ratio | 13.4958% | 4,597 |
| Memoranda: | ||
| Average total assets | $120,838,330 | 4,026 |
| Average earning assets | $109,392,670 | 4,068 |
| Average equity | $14,221,330 | 3,969 |
| Average total loans | $91,346,000 | 3,579 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8023% | 842 |
| Cost of funding earning assets | 0.3320% | 3,818 |
| Net interest margin | 4.4704% | 646 |
| Noninterest income to average assets | 0.3087% | 4,520 |
| Noninterest expense to average assets | 2.8018% | 3,061 |
| Loan and lease loss provision to assets | 0.4597% | 282 |
| Net operating income to assets | 1.1140% | 1,852 |
| Return on assets (ROA) | 1.1140% | 1,951 |
| Pretax return on assets | 1.1140% | 3,037 |
| Return on Equity (ROE) | 9.4138% | 2,232 |
| Retained earnings to average equity (ytd only) | 9.4138% | 997 |
| Net charge-offs to loans | 0.6282% | 351 |
| Credit loss provision to net charge-offs | 95.8042% | 1,709 |
| Earnings coverage of net charge-offs (x) | 3.2797% | 2,563 |
| Efficiency ratio | 62.7301% | 4,339 |
| Assets per employee ($millions) | 5.2175% | 2,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8724% | 5,144 |
| Loan loss allowance to noncurrent loans | 40.5364% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 1.6541% | 1,187 |
| Noncurrent loans to loans | 2.1522% | 965 |
| Net loans and leases to total assets | 75.8421% | 1,413 |
| Net loans and leases to deposits | 87.5216% | 1,883 |
| Net loans and leases to core deposits | 95.1232% | 1,879 |
| Total domestic deposits to total assets | 86.6552% | 2,379 |
| Equity capital to assets | 11.8923% | 2,099 |
| Core capital (leverage) ratio | 10.7189% | 2,702 |
| Tier 1 risk-based capital ratio | 12.8087% | 4,391 |
| Total risk-based capital ratio | 13.6394% | 4,559 |
| Memoranda: | ||
| Average total assets | $119,208,500 | 4,089 |
| Average earning assets | $108,447,500 | 4,116 |
| Average equity | $14,107,000 | 3,996 |
| Average total loans | $91,061,000 | 3,599 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0253% | 594 |
| Cost of funding earning assets | 0.3555% | 3,646 |
| Net interest margin | 4.6698% | 479 |
| Noninterest income to average assets | 0.4486% | 3,684 |
| Noninterest expense to average assets | 2.8196% | 3,152 |
| Loan and lease loss provision to assets | 0.3502% | 424 |
| Net operating income to assets | 1.5948% | 713 |
| Return on assets (ROA) | 1.6355% | 669 |
| Pretax return on assets | 1.6355% | 1,147 |
| Return on Equity (ROE) | 13.9344% | 852 |
| Retained earnings to average equity (ytd only) | 13.0962% | 198 |
| Net charge-offs to loans | -0.0023% | 4,887 |
| Credit loss provision to net charge-offs | -19,400.0000% | 5,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9087% | 5,155 |
| Assets per employee ($millions) | 5.3825% | 1,922 |
| Cash dividends to net income (ytd only)* | 6.0155% | 4,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8936% | 5,103 |
| Loan loss allowance to noncurrent loans | 83.1102% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 0.8276% | 2,597 |
| Noncurrent loans to loans | 1.0752% | 2,191 |
| Net loans and leases to total assets | 75.5833% | 1,482 |
| Net loans and leases to deposits | 88.2924% | 1,840 |
| Net loans and leases to core deposits | 95.8943% | 1,861 |
| Total domestic deposits to total assets | 85.6057% | 2,816 |
| Equity capital to assets | 11.7747% | 2,132 |
| Core capital (leverage) ratio | 10.4420% | 2,995 |
| Tier 1 risk-based capital ratio | 12.4665% | 4,656 |
| Total risk-based capital ratio | 13.3047% | 4,818 |
| Memoranda: | ||
| Average total assets | $110,795,000 | 4,245 |
| Average earning assets | $102,402,400 | 4,229 |
| Average equity | $13,003,800 | 4,143 |
| Average total loans | $85,980,800 | 3,671 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9909% | 631 |
| Cost of funding earning assets | 0.3656% | 3,595 |
| Net interest margin | 4.6252% | 522 |
| Noninterest income to average assets | 0.4102% | 4,005 |
| Noninterest expense to average assets | 2.8077% | 3,154 |
| Loan and lease loss provision to assets | 0.3392% | 400 |
| Net operating income to assets | 1.5538% | 842 |
| Return on assets (ROA) | 1.5893% | 826 |
| Pretax return on assets | 1.5893% | 1,418 |
| Return on Equity (ROE) | 13.5533% | 991 |
| Retained earnings to average equity (ytd only) | 12.4151% | 324 |
| Net charge-offs to loans | -0.0031% | 4,755 |
| Credit loss provision to net charge-offs | -13,850.0000% | 5,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4267% | 5,066 |
| Assets per employee ($millions) | 5.5716% | 1,709 |
| Cash dividends to net income (ytd only)* | 8.3976% | 3,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7984% | 5,518 |
| Loan loss allowance to noncurrent loans | 62.7027% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 0.9564% | 2,460 |
| Noncurrent loans to loans | 1.2733% | 2,006 |
| Net loans and leases to total assets | 73.9094% | 1,751 |
| Net loans and leases to deposits | 84.9646% | 2,287 |
| Net loans and leases to core deposits | 92.7427% | 2,194 |
| Total domestic deposits to total assets | 86.9885% | 2,045 |
| Equity capital to assets | 11.4817% | 2,525 |
| Core capital (leverage) ratio | 10.7228% | 2,798 |
| Tier 1 risk-based capital ratio | 12.5961% | 4,684 |
| Total risk-based capital ratio | 13.3604% | 4,927 |
| Memoranda: | ||
| Average total assets | $108,890,000 | 4,325 |
| Average earning assets | $101,008,750 | 4,304 |
| Average equity | $12,769,000 | 4,226 |
| Average total loans | $84,898,750 | 3,734 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0762% | 532 |
| Cost of funding earning assets | 0.3750% | 3,552 |
| Net interest margin | 4.7013% | 448 |
| Noninterest income to average assets | 0.3484% | 4,465 |
| Noninterest expense to average assets | 2.8629% | 3,021 |
| Loan and lease loss provision to assets | 0.3635% | 353 |
| Net operating income to assets | 1.4672% | 955 |
| Return on assets (ROA) | 1.5219% | 908 |
| Pretax return on assets | 1.5219% | 1,586 |
| Return on Equity (ROE) | 12.8792% | 1,140 |
| Retained earnings to average equity (ytd only) | 11.1418% | 485 |
| Net charge-offs to loans | -0.0048% | 4,723 |
| Credit loss provision to net charge-offs | -9,650.0000% | 5,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6308% | 5,031 |
| Assets per employee ($millions) | 5.2436% | 1,998 |
| Cash dividends to net income (ytd only)* | 13.4901% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7181% | 5,774 |
| Loan loss allowance to noncurrent loans | 45.7058% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 1.2854% | 1,959 |
| Noncurrent loans to loans | 1.5712% | 1,680 |
| Net loans and leases to total assets | 80.6793% | 714 |
| Net loans and leases to deposits | 93.7684% | 1,175 |
| Net loans and leases to core deposits | 107.5369% | 989 |
| Total domestic deposits to total assets | 86.0411% | 2,679 |
| Equity capital to assets | 12.2969% | 1,801 |
| Core capital (leverage) ratio | 10.6889% | 2,746 |
| Tier 1 risk-based capital ratio | 12.5980% | 4,743 |
| Total risk-based capital ratio | 13.3012% | 5,012 |
| Memoranda: | ||
| Average total assets | $106,185,330 | 4,416 |
| Average earning assets | $98,144,000 | 4,420 |
| Average equity | $12,547,330 | 4,281 |
| Average total loans | $84,140,670 | 3,783 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1462% | 445 |
| Cost of funding earning assets | 0.3803% | 3,523 |
| Net interest margin | 4.7659% | 371 |
| Noninterest income to average assets | 0.3931% | 4,059 |
| Noninterest expense to average assets | 2.7442% | 3,438 |
| Loan and lease loss provision to assets | 0.4642% | 231 |
| Net operating income to assets | 1.5949% | 711 |
| Return on assets (ROA) | 1.5949% | 747 |
| Pretax return on assets | 1.5949% | 1,281 |
| Return on Equity (ROE) | 13.7719% | 922 |
| Retained earnings to average equity (ytd only) | 13.7719% | 375 |
| Net charge-offs to loans | -0.0096% | 4,704 |
| Credit loss provision to net charge-offs | -6,200.0000% | 5,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8067% | 5,528 |
| Assets per employee ($millions) | 5.2585% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6713% | 5,955 |
| Loan loss allowance to noncurrent loans | 42.5215% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 1.3692% | 1,940 |
| Noncurrent loans to loans | 1.5788% | 1,770 |
| Net loans and leases to total assets | 76.3897% | 1,163 |
| Net loans and leases to deposits | 88.4898% | 1,563 |
| Net loans and leases to core deposits | 102.7130% | 1,131 |
| Total domestic deposits to total assets | 86.3259% | 2,752 |
| Equity capital to assets | 11.9663% | 2,051 |
| Core capital (leverage) ratio | 10.0462% | 3,540 |
| Tier 1 risk-based capital ratio | 12.6248% | 4,825 |
| Total risk-based capital ratio | 13.2790% | 5,116 |
| Memoranda: | ||
| Average total assets | $106,842,000 | 4,440 |
| Average earning assets | $98,869,000 | 4,437 |
| Average equity | $12,373,000 | 4,342 |
| Average total loans | $83,600,000 | 3,805 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8946% | 4,136 |
| Cost of funding earning assets | 0.2344% | 5,472 |
| Net interest margin | 3.6602% | 3,181 |
| Noninterest income to average assets | 0.3449% | 4,636 |
| Noninterest expense to average assets | 2.1580% | 5,437 |
| Loan and lease loss provision to assets | 0.4193% | 413 |
| Net operating income to assets | 1.1745% | 1,659 |
| Return on assets (ROA) | 1.2198% | 1,579 |
| Pretax return on assets | 1.2198% | 2,571 |
| Return on Equity (ROE) | 11.1164% | 1,690 |
| Retained earnings to average equity (ytd only) | 11.1164% | 365 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1780% | 5,652 |
| Assets per employee ($millions) | 5.4413% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4831% | 6,271 |
| Loan loss allowance to noncurrent loans | 28.1757% | 5,686 |
| Noncurrent assets plus other real estate owned to assets | 1.5107% | 1,800 |
| Noncurrent loans to loans | 1.7146% | 1,701 |
| Net loans and leases to total assets | 78.9350% | 889 |
| Net loans and leases to deposits | 94.9697% | 998 |
| Net loans and leases to core deposits | 111.7920% | 698 |
| Total domestic deposits to total assets | 83.1160% | 4,036 |
| Equity capital to assets | 11.4606% | 2,466 |
| Core capital (leverage) ratio | 9.7557% | 3,897 |
| Tier 1 risk-based capital ratio | 11.5053% | 5,658 |
| Total risk-based capital ratio | 11.9834% | 5,951 |
| Memoranda: | ||
| Average total assets | $99,443,800 | 4,613 |
| Average earning assets | $92,563,800 | 4,592 |
| Average equity | $10,911,800 | 4,583 |
| Average total loans | $76,141,400 | 3,990 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3735% | 5,634 |
| Cost of funding earning assets | 0.1895% | 5,916 |
| Net interest margin | 3.1840% | 5,017 |
| Noninterest income to average assets | 0.3405% | 4,716 |
| Noninterest expense to average assets | 1.8894% | 5,968 |
| Loan and lease loss provision to assets | 0.4202% | 393 |
| Net operating income to assets | 1.0079% | 2,419 |
| Return on assets (ROA) | 1.0079% | 2,484 |
| Pretax return on assets | 1.0079% | 3,563 |
| Return on Equity (ROE) | 9.3011% | 2,541 |
| Retained earnings to average equity (ytd only) | 9.3011% | 896 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5464% | 5,698 |
| Assets per employee ($millions) | 5.1589% | 2,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3841% | 6,420 |
| Loan loss allowance to noncurrent loans | 20.8589% | 5,918 |
| Noncurrent assets plus other real estate owned to assets | 1.5953% | 1,908 |
| Noncurrent loans to loans | 1.8412% | 1,737 |
| Net loans and leases to total assets | 76.9270% | 1,101 |
| Net loans and leases to deposits | 88.8584% | 1,572 |
| Net loans and leases to core deposits | 102.8415% | 1,162 |
| Total domestic deposits to total assets | 86.5726% | 2,543 |
| Equity capital to assets | 11.6131% | 2,384 |
| Core capital (leverage) ratio | 9.5564% | 4,298 |
| Tier 1 risk-based capital ratio | 11.8302% | 5,596 |
| Total risk-based capital ratio | 12.2085% | 5,960 |
| Memoranda: | ||
| Average total assets | $97,098,500 | 4,717 |
| Average earning assets | $90,784,500 | 4,681 |
| Average equity | $10,521,750 | 4,684 |
| Average total loans | $73,597,250 | 4,101 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3219% | 6,523 |
| Cost of funding earning assets | 0.1169% | 6,425 |
| Net interest margin | 2.2050% | 6,448 |
| Noninterest income to average assets | 0.2104% | 5,694 |
| Noninterest expense to average assets | 1.4137% | 6,465 |
| Loan and lease loss provision to assets | 0.2840% | 712 |
| Net operating income to assets | 0.5764% | 4,476 |
| Return on assets (ROA) | 0.5764% | 4,580 |
| Pretax return on assets | 0.5764% | 5,031 |
| Return on Equity (ROE) | 5.4609% | 4,458 |
| Retained earnings to average equity (ytd only) | 5.4609% | 2,663 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5920% | 5,213 |
| Assets per employee ($millions) | 4.9597% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1822% | 6,573 |
| Loan loss allowance to noncurrent loans | 53.7849% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 0.4486% | 4,657 |
| Noncurrent loans to loans | 0.3387% | 4,994 |
| Net loans and leases to total assets | 74.5731% | 1,366 |
| Net loans and leases to deposits | 86.1542% | 1,806 |
| Net loans and leases to core deposits | 92.3288% | 1,918 |
| Total domestic deposits to total assets | 86.5577% | 2,728 |
| Equity capital to assets | 11.6247% | 2,302 |
| Core capital (leverage) ratio | 9.7733% | 3,929 |
| Tier 1 risk-based capital ratio | 11.9854% | 5,549 |
| Total risk-based capital ratio | 12.1634% | 6,031 |
| Memoranda: | ||
| Average total assets | $95,072,330 | 4,793 |
| Average earning assets | $88,978,670 | 4,751 |
| Average equity | $10,035,000 | 4,801 |
| Average total loans | $71,570,670 | 4,176 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9049% | 866 |
| Cost of funding earning assets | 0.5638% | 2,307 |
| Net interest margin | 4.3411% | 919 |
| Noninterest income to average assets | 0.2838% | 5,100 |
| Noninterest expense to average assets | 3.6039% | 1,301 |
| Loan and lease loss provision to assets | 0.1677% | 1,444 |
| Net operating income to assets | 0.5849% | 4,266 |
| Return on assets (ROA) | 0.5849% | 4,339 |
| Pretax return on assets | 0.5849% | 4,882 |
| Return on Equity (ROE) | 5.8577% | 4,096 |
| Retained earnings to average equity (ytd only) | -6.6329% | 6,219 |
| Net charge-offs to loans | 0.1650% | 1,732 |
| Credit loss provision to net charge-offs | 134.4828% | 1,351 |
| Earnings coverage of net charge-offs (x) | 6.0345% | 2,292 |
| Efficiency ratio | 82.7246% | 1,833 |
| Assets per employee ($millions) | 4.5644% | 2,865 |
| Cash dividends to net income (ytd only)* | 213.2353% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 5,118 |
| Loan loss allowance to noncurrent loans | 174.0406% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.8227% | 3,676 |
| Noncurrent loans to loans | 0.6324% | 4,279 |
| Net loans and leases to total assets | 75.8906% | 1,012 |
| Net loans and leases to deposits | 86.8713% | 1,485 |
| Net loans and leases to core deposits | 90.6129% | 1,860 |
| Total domestic deposits to total assets | 87.3598% | 2,592 |
| Equity capital to assets | 10.1492% | 3,664 |
| Core capital (leverage) ratio | 9.2465% | 4,654 |
| Tier 1 risk-based capital ratio | 11.9673% | 5,664 |
| Total risk-based capital ratio | 13.0340% | 5,705 |
| Memoranda: | ||
| Average total assets | $93,011,500 | 4,896 |
| Average earning assets | $87,259,500 | 4,841 |
| Average equity | $9,287,000 | 4,978 |
| Average total loans | $70,302,500 | 4,254 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0366% | 856 |
| Cost of funding earning assets | 0.7506% | 1,491 |
| Net interest margin | 4.2860% | 1,144 |
| Noninterest income to average assets | 0.2456% | 5,586 |
| Noninterest expense to average assets | 3.1006% | 2,729 |
| Loan and lease loss provision to assets | 0.0237% | 4,650 |
| Net operating income to assets | 1.0628% | 2,068 |
| Return on assets (ROA) | 1.0628% | 2,148 |
| Pretax return on assets | 1.0628% | 3,099 |
| Return on Equity (ROE) | 11.1387% | 1,721 |
| Retained earnings to average equity (ytd only) | 4.1419% | 3,225 |
| Net charge-offs to loans | -0.0014% | 5,835 |
| Credit loss provision to net charge-offs | -2,300.0000% | 6,329 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0513% | 3,123 |
| Assets per employee ($millions) | 4.7368% | 2,528 |
| Cash dividends to net income (ytd only)* | 62.8155% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 5,249 |
| Loan loss allowance to noncurrent loans | 1,056.9444% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.4191% | 4,997 |
| Noncurrent loans to loans | 0.1020% | 5,906 |
| Net loans and leases to total assets | 73.6729% | 1,405 |
| Net loans and leases to deposits | 83.3779% | 2,013 |
| Net loans and leases to core deposits | 87.5544% | 2,286 |
| Total domestic deposits to total assets | 88.3602% | 1,975 |
| Equity capital to assets | 9.8264% | 3,992 |
| Core capital (leverage) ratio | 9.0957% | 4,860 |
| Tier 1 risk-based capital ratio | 11.9123% | 5,663 |
| Total risk-based capital ratio | 12.9419% | 5,740 |
| Memoranda: | ||
| Average total assets | $96,916,200 | 4,817 |
| Average earning assets | $89,127,600 | 4,801 |
| Average equity | $9,247,000 | 5,031 |
| Average total loans | $71,002,800 | 4,228 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0745% | 812 |
| Cost of funding earning assets | 0.7885% | 1,389 |
| Net interest margin | 4.2860% | 1,123 |
| Noninterest income to average assets | 0.1847% | 6,089 |
| Noninterest expense to average assets | 2.9700% | 3,078 |
| Loan and lease loss provision to assets | 0.0301% | 4,405 |
| Net operating income to assets | 1.1108% | 1,967 |
| Return on assets (ROA) | 1.1108% | 2,035 |
| Pretax return on assets | 1.1108% | 3,066 |
| Return on Equity (ROE) | 11.7277% | 1,571 |
| Retained earnings to average equity (ytd only) | 4.2173% | 3,686 |
| Net charge-offs to loans | 0.0094% | 4,961 |
| Credit loss provision to net charge-offs | 440.0000% | 601 |
| Earnings coverage of net charge-offs (x) | 166.7121% | 331 |
| Efficiency ratio | 72.2463% | 3,358 |
| Assets per employee ($millions) | 5.0208% | 2,138 |
| Cash dividends to net income (ytd only)* | 64.0398% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 5,249 |
| Loan loss allowance to noncurrent loans | 691.7431% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.4422% | 5,101 |
| Noncurrent loans to loans | 0.1621% | 5,829 |
| Net loans and leases to total assets | 66.2046% | 2,600 |
| Net loans and leases to deposits | 74.3317% | 3,185 |
| Net loans and leases to core deposits | 80.6326% | 3,056 |
| Total domestic deposits to total assets | 89.0665% | 1,521 |
| Equity capital to assets | 9.2595% | 4,849 |
| Core capital (leverage) ratio | 8.8205% | 5,386 |
| Tier 1 risk-based capital ratio | 12.1807% | 5,663 |
| Total risk-based capital ratio | 13.2348% | 5,728 |
| Memoranda: | ||
| Average total assets | $97,461,500 | 4,847 |
| Average earning assets | $89,280,750 | 4,838 |
| Average equity | $9,231,500 | 5,086 |
| Average total loans | $71,114,750 | 4,257 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1850% | 654 |
| Cost of funding earning assets | 0.8430% | 1,185 |
| Net interest margin | 4.3421% | 950 |
| Noninterest income to average assets | 0.1182% | 6,463 |
| Noninterest expense to average assets | 3.0391% | 2,879 |
| Loan and lease loss provision to assets | 0.0311% | 4,307 |
| Net operating income to assets | 1.0096% | 2,291 |
| Return on assets (ROA) | 1.0096% | 2,420 |
| Pretax return on assets | 1.0096% | 3,467 |
| Return on Equity (ROE) | 10.5762% | 1,980 |
| Retained earnings to average equity (ytd only) | 2.6712% | 4,609 |
| Net charge-offs to loans | 0.0138% | 4,572 |
| Credit loss provision to net charge-offs | 300.0000% | 851 |
| Earnings coverage of net charge-offs (x) | 100.4000% | 460 |
| Efficiency ratio | 74.4919% | 3,030 |
| Assets per employee ($millions) | 4.7977% | 2,382 |
| Cash dividends to net income (ytd only)* | 74.7433% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 5,703 |
| Loan loss allowance to noncurrent loans | 661.0619% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.5221% | 4,962 |
| Noncurrent loans to loans | 0.1561% | 5,933 |
| Net loans and leases to total assets | 74.6553% | 1,150 |
| Net loans and leases to deposits | 83.9740% | 1,807 |
| Net loans and leases to core deposits | 98.2701% | 1,188 |
| Total domestic deposits to total assets | 88.9029% | 1,685 |
| Equity capital to assets | 9.4077% | 4,710 |
| Core capital (leverage) ratio | 8.9080% | 5,133 |
| Tier 1 risk-based capital ratio | 11.3457% | 6,175 |
| Total risk-based capital ratio | 12.3377% | 6,273 |
| Memoranda: | ||
| Average total assets | $96,476,670 | 4,906 |
| Average earning assets | $88,022,670 | 4,898 |
| Average equity | $9,209,330 | 5,125 |
| Average total loans | $72,408,330 | 4,229 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2784% | 531 |
| Cost of funding earning assets | 0.8623% | 1,191 |
| Net interest margin | 4.4161% | 786 |
| Noninterest income to average assets | 0.5086% | 3,718 |
| Noninterest expense to average assets | 3.7710% | 1,151 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7608% | 3,376 |
| Return on assets (ROA) | 0.7608% | 3,517 |
| Pretax return on assets | 0.7608% | 4,325 |
| Return on Equity (ROE) | 7.9136% | 3,025 |
| Retained earnings to average equity (ytd only) | -1.6343% | 6,037 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2117% | 1,869 |
| Assets per employee ($millions) | 4.7804% | 2,526 |
| Cash dividends to net income (ytd only)* | 120.6522% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0362% | 5,852 |
| Loan loss allowance to noncurrent loans | 117.7316% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 1.3158% | 3,326 |
| Noncurrent loans to loans | 0.8801% | 4,374 |
| Net loans and leases to total assets | 73.6225% | 1,132 |
| Net loans and leases to deposits | 83.0951% | 1,693 |
| Net loans and leases to core deposits | 102.3334% | 808 |
| Total domestic deposits to total assets | 88.6003% | 1,935 |
| Equity capital to assets | 9.6802% | 4,591 |
| Core capital (leverage) ratio | 8.6974% | 5,333 |
| Tier 1 risk-based capital ratio | 11.2931% | 6,275 |
| Total risk-based capital ratio | 12.2860% | 6,365 |
| Memoranda: | ||
| Average total assets | $96,738,500 | 4,940 |
| Average earning assets | $88,132,500 | 4,929 |
| Average equity | $9,300,500 | 5,156 |
| Average total loans | $72,422,000 | 4,254 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3257% | 883 |
| Cost of funding earning assets | 1.0672% | 1,038 |
| Net interest margin | 4.2584% | 1,500 |
| Noninterest income to average assets | 0.4455% | 4,278 |
| Noninterest expense to average assets | 3.1481% | 2,779 |
| Loan and lease loss provision to assets | 0.0882% | 4,591 |
| Net operating income to assets | 1.0738% | 2,043 |
| Return on assets (ROA) | 1.0738% | 2,227 |
| Pretax return on assets | 1.0738% | 3,260 |
| Return on Equity (ROE) | 11.2902% | 1,718 |
| Retained earnings to average equity (ytd only) | 4.7620% | 2,875 |
| Net charge-offs to loans | 0.2696% | 3,320 |
| Credit loss provision to net charge-offs | 43.9153% | 4,844 |
| Earnings coverage of net charge-offs (x) | 5.7831% | 2,948 |
| Efficiency ratio | 73.0390% | 3,234 |
| Assets per employee ($millions) | 4.8935% | 2,366 |
| Cash dividends to net income (ytd only)* | 57.8218% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 5,959 |
| Loan loss allowance to noncurrent loans | 218.0473% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 1.2210% | 3,619 |
| Noncurrent loans to loans | 0.4585% | 5,364 |
| Net loans and leases to total assets | 74.5701% | 1,117 |
| Net loans and leases to deposits | 84.5666% | 1,687 |
| Net loans and leases to core deposits | 95.1438% | 1,378 |
| Total domestic deposits to total assets | 88.1791% | 2,109 |
| Equity capital to assets | 9.5495% | 4,817 |
| Core capital (leverage) ratio | 8.8219% | 5,145 |
| Tier 1 risk-based capital ratio | 11.1248% | 6,305 |
| Total risk-based capital ratio | 12.0984% | 6,380 |
| Memoranda: | ||
| Average total assets | $94,055,600 | 4,986 |
| Average earning assets | $85,360,000 | 4,982 |
| Average equity | $8,945,800 | 5,240 |
| Average total loans | $70,098,200 | 4,358 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3717% | 886 |
| Cost of funding earning assets | 1.1245% | 962 |
| Net interest margin | 4.2472% | 1,602 |
| Noninterest income to average assets | 0.3322% | 5,146 |
| Noninterest expense to average assets | 3.1577% | 2,692 |
| Loan and lease loss provision to assets | 0.1117% | 4,170 |
| Net operating income to assets | 0.9194% | 2,885 |
| Return on assets (ROA) | 0.9194% | 3,112 |
| Pretax return on assets | 0.9194% | 4,031 |
| Return on Equity (ROE) | 9.6767% | 2,508 |
| Retained earnings to average equity (ytd only) | 1.1003% | 5,729 |
| Net charge-offs to loans | 0.2659% | 3,126 |
| Credit loss provision to net charge-offs | 56.5217% | 4,248 |
| Earnings coverage of net charge-offs (x) | 5.2173% | 3,075 |
| Efficiency ratio | 75.3846% | 2,764 |
| Assets per employee ($millions) | 4.6435% | 2,684 |
| Cash dividends to net income (ytd only)* | 88.6294% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 5,511 |
| Loan loss allowance to noncurrent loans | 127.5244% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 1.5753% | 3,237 |
| Noncurrent loans to loans | 0.9029% | 4,622 |
| Net loans and leases to total assets | 72.3807% | 1,486 |
| Net loans and leases to deposits | 82.3512% | 2,069 |
| Net loans and leases to core deposits | 93.9654% | 1,591 |
| Total domestic deposits to total assets | 87.8928% | 2,105 |
| Equity capital to assets | 9.7427% | 4,866 |
| Core capital (leverage) ratio | 8.5973% | 5,625 |
| Tier 1 risk-based capital ratio | 11.3354% | 6,335 |
| Total risk-based capital ratio | 12.4355% | 6,371 |
| Memoranda: | ||
| Average total assets | $93,102,250 | 5,055 |
| Average earning assets | $84,539,500 | 5,056 |
| Average equity | $8,845,750 | 5,310 |
| Average total loans | $69,193,250 | 4,423 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3150% | 1,022 |
| Cost of funding earning assets | 1.1597% | 978 |
| Net interest margin | 4.1553% | 1,885 |
| Noninterest income to average assets | 0.3112% | 5,322 |
| Noninterest expense to average assets | 3.2110% | 2,555 |
| Loan and lease loss provision to assets | 0.0816% | 4,580 |
| Net operating income to assets | 0.8178% | 3,312 |
| Return on assets (ROA) | 0.8178% | 3,573 |
| Pretax return on assets | 0.8178% | 4,410 |
| Return on Equity (ROE) | 8.6805% | 2,950 |
| Retained earnings to average equity (ytd only) | -0.3418% | 6,093 |
| Net charge-offs to loans | 0.3966% | 2,434 |
| Credit loss provision to net charge-offs | 27.5362% | 4,475 |
| Earnings coverage of net charge-offs (x) | 3.0362% | 3,532 |
| Efficiency ratio | 78.1201% | 2,447 |
| Assets per employee ($millions) | 4.6908% | 2,581 |
| Cash dividends to net income (ytd only)* | 103.9370% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0495% | 5,964 |
| Loan loss allowance to noncurrent loans | 89.4103% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 1.8121% | 3,022 |
| Noncurrent loans to loans | 1.1738% | 4,193 |
| Net loans and leases to total assets | 74.6725% | 1,148 |
| Net loans and leases to deposits | 84.6155% | 1,774 |
| Net loans and leases to core deposits | 97.0882% | 1,340 |
| Total domestic deposits to total assets | 88.2492% | 1,986 |
| Equity capital to assets | 9.4324% | 5,154 |
| Core capital (leverage) ratio | 8.5414% | 5,593 |
| Tier 1 risk-based capital ratio | 10.8614% | 6,556 |
| Total risk-based capital ratio | 11.8727% | 6,640 |
| Memoranda: | ||
| Average total assets | $93,179,670 | 5,089 |
| Average earning assets | $85,193,330 | 5,073 |
| Average equity | $8,778,330 | 5,328 |
| Average total loans | $69,590,000 | 4,428 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2876% | 1,126 |
| Cost of funding earning assets | 1.1985% | 992 |
| Net interest margin | 4.0891% | 2,146 |
| Noninterest income to average assets | 0.2929% | 5,523 |
| Noninterest expense to average assets | 2.9635% | 3,414 |
| Loan and lease loss provision to assets | 0.0345% | 4,950 |
| Net operating income to assets | 1.0424% | 2,315 |
| Return on assets (ROA) | 1.0424% | 2,505 |
| Pretax return on assets | 1.0424% | 3,524 |
| Return on Equity (ROE) | 11.0717% | 1,995 |
| Retained earnings to average equity (ytd only) | -2.7908% | 6,372 |
| Net charge-offs to loans | 0.1334% | 3,308 |
| Credit loss provision to net charge-offs | 34.7826% | 3,539 |
| Earnings coverage of net charge-offs (x) | 10.8696% | 1,722 |
| Efficiency ratio | 73.3475% | 3,195 |
| Assets per employee ($millions) | 4.9365% | 2,335 |
| Cash dividends to net income (ytd only)* | 125.2066% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1794% | 5,593 |
| Loan loss allowance to noncurrent loans | 95.7225% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 2.1227% | 2,757 |
| Noncurrent loans to loans | 1.2321% | 4,280 |
| Net loans and leases to total assets | 73.9664% | 1,072 |
| Net loans and leases to deposits | 83.6722% | 1,704 |
| Net loans and leases to core deposits | 95.2941% | 1,351 |
| Total domestic deposits to total assets | 88.4001% | 2,067 |
| Equity capital to assets | 9.3140% | 5,075 |
| Core capital (leverage) ratio | 8.5373% | 5,528 |
| Tier 1 risk-based capital ratio | 10.8379% | 6,604 |
| Total risk-based capital ratio | 11.9704% | 6,646 |
| Memoranda: | ||
| Average total assets | $92,862,000 | 5,131 |
| Average earning assets | $85,105,000 | 5,111 |
| Average equity | $8,743,000 | 5,349 |
| Average total loans | $68,986,500 | 4,479 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8359% | 592 |
| Cost of funding earning assets | 1.6512% | 393 |
| Net interest margin | 4.1847% | 2,111 |
| Noninterest income to average assets | 0.6423% | 2,933 |
| Noninterest expense to average assets | 3.0232% | 3,506 |
| Loan and lease loss provision to assets | 0.1422% | 4,837 |
| Net operating income to assets | 1.2703% | 1,324 |
| Return on assets (ROA) | 1.3261% | 1,276 |
| Pretax return on assets | 1.3261% | 2,032 |
| Return on Equity (ROE) | 14.4723% | 834 |
| Retained earnings to average equity (ytd only) | 5.7316% | 2,159 |
| Net charge-offs to loans | 0.3203% | 3,789 |
| Credit loss provision to net charge-offs | 58.5586% | 5,204 |
| Earnings coverage of net charge-offs (x) | 5.8153% | 2,673 |
| Efficiency ratio | 68.1549% | 4,326 |
| Assets per employee ($millions) | 4.8384% | 2,395 |
| Cash dividends to net income (ytd only)* | 60.3960% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 5,208 |
| Loan loss allowance to noncurrent loans | 85.6707% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 2.1973% | 2,743 |
| Noncurrent loans to loans | 1.4520% | 3,986 |
| Net loans and leases to total assets | 72.8010% | 1,493 |
| Net loans and leases to deposits | 82.6747% | 2,111 |
| Net loans and leases to core deposits | 95.5376% | 1,539 |
| Total domestic deposits to total assets | 88.0572% | 2,114 |
| Equity capital to assets | 9.5181% | 4,857 |
| Core capital (leverage) ratio | 8.7713% | 5,143 |
| Tier 1 risk-based capital ratio | 11.3029% | 6,289 |
| Total risk-based capital ratio | 12.4947% | 6,295 |
| Memoranda: | ||
| Average total assets | $91,393,400 | 5,149 |
| Average earning assets | $82,848,600 | 5,148 |
| Average equity | $8,374,600 | 5,452 |
| Average total loans | $69,318,200 | 4,519 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8864% | 577 |
| Cost of funding earning assets | 1.7437% | 327 |
| Net interest margin | 4.1427% | 2,295 |
| Noninterest income to average assets | 0.7787% | 2,149 |
| Noninterest expense to average assets | 3.0462% | 3,371 |
| Loan and lease loss provision to assets | 0.1753% | 4,285 |
| Net operating income to assets | 1.3164% | 1,336 |
| Return on assets (ROA) | 1.3909% | 1,253 |
| Pretax return on assets | 1.3909% | 1,967 |
| Return on Equity (ROE) | 15.3283% | 783 |
| Retained earnings to average equity (ytd only) | 5.2329% | 3,038 |
| Net charge-offs to loans | 0.0497% | 5,488 |
| Credit loss provision to net charge-offs | 461.5385% | 601 |
| Earnings coverage of net charge-offs (x) | 39.2645% | 780 |
| Efficiency ratio | 67.1281% | 4,498 |
| Assets per employee ($millions) | 4.7791% | 2,508 |
| Cash dividends to net income (ytd only)* | 65.8615% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5234% | 3,989 |
| Loan loss allowance to noncurrent loans | 78.9716% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 2.3424% | 2,739 |
| Noncurrent loans to loans | 1.9290% | 3,465 |
| Net loans and leases to total assets | 73.2564% | 1,461 |
| Net loans and leases to deposits | 85.3005% | 1,783 |
| Net loans and leases to core deposits | 99.9039% | 1,251 |
| Total domestic deposits to total assets | 85.8804% | 3,280 |
| Equity capital to assets | 9.4832% | 5,115 |
| Core capital (leverage) ratio | 8.5506% | 5,637 |
| Tier 1 risk-based capital ratio | 11.0275% | 6,524 |
| Total risk-based capital ratio | 12.2795% | 6,509 |
| Memoranda: | ||
| Average total assets | $91,259,250 | 5,192 |
| Average earning assets | $82,810,750 | 5,193 |
| Average equity | $8,280,750 | 5,514 |
| Average total loans | $69,705,500 | 4,538 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9314% | 541 |
| Cost of funding earning assets | 1.7944% | 318 |
| Net interest margin | 4.1369% | 2,279 |
| Noninterest income to average assets | 0.9867% | 1,360 |
| Noninterest expense to average assets | 3.1090% | 3,219 |
| Loan and lease loss provision to assets | 0.1969% | 3,961 |
| Net operating income to assets | 1.4134% | 1,050 |
| Return on assets (ROA) | 1.5250% | 900 |
| Pretax return on assets | 1.5250% | 1,455 |
| Return on Equity (ROE) | 17.0610% | 544 |
| Retained earnings to average equity (ytd only) | 4.5529% | 3,287 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8785% | 4,897 |
| Assets per employee ($millions) | 4.8773% | 2,285 |
| Cash dividends to net income (ytd only)* | 73.3142% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4909% | 4,174 |
| Loan loss allowance to noncurrent loans | 93.6073% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 2.0913% | 3,122 |
| Noncurrent loans to loans | 1.5927% | 4,005 |
| Net loans and leases to total assets | 73.0846% | 1,577 |
| Net loans and leases to deposits | 82.4559% | 2,378 |
| Net loans and leases to core deposits | 100.3527% | 1,316 |
| Total domestic deposits to total assets | 88.6347% | 1,760 |
| Equity capital to assets | 8.9858% | 5,598 |
| Core capital (leverage) ratio | 8.4635% | 5,605 |
| Tier 1 risk-based capital ratio | 10.8797% | 6,613 |
| Total risk-based capital ratio | 12.1344% | 6,579 |
| Memoranda: | ||
| Average total assets | $91,411,330 | 5,220 |
| Average earning assets | $82,476,670 | 5,248 |
| Average equity | $8,170,670 | 5,558 |
| Average total loans | $70,424,670 | 4,558 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9147% | 579 |
| Cost of funding earning assets | 1.7869% | 394 |
| Net interest margin | 4.1277% | 2,161 |
| Noninterest income to average assets | 1.0442% | 1,206 |
| Noninterest expense to average assets | 3.1548% | 3,053 |
| Loan and lease loss provision to assets | 0.1983% | 3,648 |
| Net operating income to assets | 1.4672% | 941 |
| Return on assets (ROA) | 1.4672% | 982 |
| Pretax return on assets | 1.4672% | 1,548 |
| Return on Equity (ROE) | 16.4597% | 630 |
| Retained earnings to average equity (ytd only) | 10.1328% | 1,093 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4479% | 5,132 |
| Assets per employee ($millions) | 4.7901% | 2,438 |
| Cash dividends to net income (ytd only)* | 38.4384% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 4,742 |
| Loan loss allowance to noncurrent loans | 62.6198% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 2.6612% | 2,582 |
| Noncurrent loans to loans | 2.2110% | 3,304 |
| Net loans and leases to total assets | 76.6951% | 926 |
| Net loans and leases to deposits | 86.6179% | 1,635 |
| Net loans and leases to core deposits | 108.6160% | 809 |
| Total domestic deposits to total assets | 88.5442% | 2,048 |
| Equity capital to assets | 9.0385% | 5,141 |
| Core capital (leverage) ratio | 8.5732% | 5,310 |
| Tier 1 risk-based capital ratio | 10.7479% | 6,666 |
| Total risk-based capital ratio | 11.9982% | 6,651 |
| Memoranda: | ||
| Average total assets | $90,783,000 | 5,270 |
| Average earning assets | $83,048,000 | 5,271 |
| Average equity | $8,092,500 | 5,578 |
| Average total loans | $71,261,500 | 4,573 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2554% | 504 |
| Cost of funding earning assets | 2.0240% | 556 |
| Net interest margin | 4.2314% | 2,059 |
| Noninterest income to average assets | 0.2648% | 5,894 |
| Noninterest expense to average assets | 2.7971% | 4,622 |
| Loan and lease loss provision to assets | 0.1238% | 5,924 |
| Net operating income to assets | 1.1784% | 1,467 |
| Return on assets (ROA) | 1.1762% | 1,545 |
| Pretax return on assets | 1.1762% | 2,305 |
| Return on Equity (ROE) | 13.2692% | 1,029 |
| Retained earnings to average equity (ytd only) | 8.3288% | 880 |
| Net charge-offs to loans | 0.0145% | 6,682 |
| Credit loss provision to net charge-offs | 1,080.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 113.6000% | 224 |
| Efficiency ratio | 68.2327% | 4,513 |
| Assets per employee ($millions) | 5.0308% | 2,114 |
| Cash dividends to net income (ytd only)* | 37.2320% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 4,987 |
| Loan loss allowance to noncurrent loans | 59.4406% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 2.6835% | 2,599 |
| Noncurrent loans to loans | 2.1926% | 3,323 |
| Net loans and leases to total assets | 78.1923% | 913 |
| Net loans and leases to deposits | 88.5508% | 1,712 |
| Net loans and leases to core deposits | 88.6972% | 2,949 |
| Total domestic deposits to total assets | 88.3021% | 2,062 |
| Equity capital to assets | 8.7891% | 5,451 |
| Core capital (leverage) ratio | 8.1970% | 5,828 |
| Tier 1 risk-based capital ratio | 10.3312% | 6,806 |
| Total risk-based capital ratio | 11.5822% | 6,779 |
| Memoranda: | ||
| Average total assets | $87,233,600 | 5,370 |
| Average earning assets | $79,051,600 | 5,382 |
| Average equity | $7,732,200 | 5,794 |
| Average total loans | $68,896,200 | 4,722 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2508% | 556 |
| Cost of funding earning assets | 2.0916% | 554 |
| Net interest margin | 4.1592% | 2,366 |
| Noninterest income to average assets | 0.2130% | 6,387 |
| Noninterest expense to average assets | 2.8054% | 4,466 |
| Loan and lease loss provision to assets | 0.1358% | 5,673 |
| Net operating income to assets | 1.0154% | 2,182 |
| Return on assets (ROA) | 1.0154% | 2,298 |
| Pretax return on assets | 1.0154% | 3,126 |
| Return on Equity (ROE) | 11.4300% | 1,669 |
| Retained earnings to average equity (ytd only) | 9.3108% | 961 |
| Net charge-offs to loans | -0.0430% | 7,450 |
| Credit loss provision to net charge-offs | -400.0000% | 6,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9048% | 3,897 |
| Assets per employee ($millions) | 5.1204% | 2,032 |
| Cash dividends to net income (ytd only)* | 18.5408% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 4,843 |
| Loan loss allowance to noncurrent loans | 40.8366% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 3.4795% | 2,049 |
| Noncurrent loans to loans | 3.2365% | 2,448 |
| Net loans and leases to total assets | 76.7132% | 1,277 |
| Net loans and leases to deposits | 86.2772% | 2,277 |
| Net loans and leases to core deposits | 86.4164% | 3,592 |
| Total domestic deposits to total assets | 88.9148% | 1,436 |
| Equity capital to assets | 8.7297% | 5,968 |
| Core capital (leverage) ratio | 8.2041% | 6,030 |
| Tier 1 risk-based capital ratio | 9.9832% | 7,078 |
| Total risk-based capital ratio | 11.2435% | 7,061 |
| Memoranda: | ||
| Average total assets | $86,403,250 | 5,463 |
| Average earning assets | $77,769,500 | 5,492 |
| Average equity | $7,675,500 | 5,887 |
| Average total loans | $68,184,750 | 4,825 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3121% | 503 |
| Cost of funding earning assets | 2.1518% | 545 |
| Net interest margin | 4.1603% | 2,290 |
| Noninterest income to average assets | 0.2178% | 6,360 |
| Noninterest expense to average assets | 2.9592% | 3,855 |
| Loan and lease loss provision to assets | 0.1373% | 5,518 |
| Net operating income to assets | 0.8333% | 2,809 |
| Return on assets (ROA) | 0.8333% | 2,964 |
| Pretax return on assets | 0.8333% | 3,765 |
| Return on Equity (ROE) | 9.3220% | 2,342 |
| Retained earnings to average equity (ytd only) | 6.9386% | 1,862 |
| Net charge-offs to loans | -0.0656% | 7,491 |
| Credit loss provision to net charge-offs | -263.6364% | 6,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3012% | 3,205 |
| Assets per employee ($millions) | 4.5953% | 2,740 |
| Cash dividends to net income (ytd only)* | 25.5682% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3742% | 4,557 |
| Loan loss allowance to noncurrent loans | 49.4340% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 3.2264% | 2,185 |
| Noncurrent loans to loans | 2.7798% | 2,881 |
| Net loans and leases to total assets | 75.3808% | 1,613 |
| Net loans and leases to deposits | 85.0906% | 2,685 |
| Net loans and leases to core deposits | 85.2338% | 3,951 |
| Total domestic deposits to total assets | 88.5889% | 1,686 |
| Equity capital to assets | 8.8707% | 5,645 |
| Core capital (leverage) ratio | 8.3522% | 5,662 |
| Tier 1 risk-based capital ratio | 10.1595% | 6,936 |
| Total risk-based capital ratio | 11.4172% | 6,902 |
| Memoranda: | ||
| Average total assets | $84,481,670 | 5,548 |
| Average earning assets | $75,378,670 | 5,593 |
| Average equity | $7,552,000 | 5,947 |
| Average total loans | $67,029,000 | 4,902 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1222% | 749 |
| Cost of funding earning assets | 2.1338% | 729 |
| Net interest margin | 3.9884% | 2,921 |
| Noninterest income to average assets | 0.2071% | 6,480 |
| Noninterest expense to average assets | 3.1011% | 3,264 |
| Loan and lease loss provision to assets | 0.1348% | 5,214 |
| Net operating income to assets | 0.6164% | 3,829 |
| Return on assets (ROA) | 0.6164% | 3,967 |
| Pretax return on assets | 0.6164% | 4,543 |
| Return on Equity (ROE) | 6.8674% | 3,408 |
| Retained earnings to average equity (ytd only) | 4.4531% | 3,483 |
| Net charge-offs to loans | -0.1191% | 7,554 |
| Credit loss provision to net charge-offs | -140.0000% | 6,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5000% | 2,491 |
| Assets per employee ($millions) | 4.2918% | 3,300 |
| Cash dividends to net income (ytd only)* | 35.1563% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2957% | 4,957 |
| Loan loss allowance to noncurrent loans | 45.5247% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 2.7997% | 2,598 |
| Noncurrent loans to loans | 2.8461% | 2,826 |
| Net loans and leases to total assets | 82.6783% | 514 |
| Net loans and leases to deposits | 93.8527% | 1,365 |
| Net loans and leases to core deposits | 94.1515% | 2,824 |
| Total domestic deposits to total assets | 88.0937% | 2,005 |
| Equity capital to assets | 9.1961% | 4,991 |
| Core capital (leverage) ratio | 8.5781% | 5,241 |
| Tier 1 risk-based capital ratio | 9.9378% | 7,073 |
| Total risk-based capital ratio | 11.1883% | 7,060 |
| Memoranda: | ||
| Average total assets | $83,067,500 | 5,663 |
| Average earning assets | $75,921,000 | 5,638 |
| Average equity | $7,455,500 | 6,034 |
| Average total loans | $67,177,500 | 4,957 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4805% | 702 |
| Cost of funding earning assets | 2.5777% | 835 |
| Net interest margin | 3.9028% | 3,258 |
| Noninterest income to average assets | 0.4153% | 5,083 |
| Noninterest expense to average assets | 3.0435% | 3,971 |
| Loan and lease loss provision to assets | 0.2773% | 5,198 |
| Net operating income to assets | 0.7077% | 2,900 |
| Return on assets (ROA) | 0.7077% | 2,966 |
| Pretax return on assets | 0.7077% | 3,544 |
| Return on Equity (ROE) | 8.2230% | 2,279 |
| Retained earnings to average equity (ytd only) | 4.9573% | 1,840 |
| Net charge-offs to loans | 0.3203% | 4,642 |
| Credit loss provision to net charge-offs | 102.3364% | 5,403 |
| Earnings coverage of net charge-offs (x) | 3.6355% | 3,265 |
| Efficiency ratio | 75.5500% | 3,604 |
| Assets per employee ($millions) | 4.4521% | 3,006 |
| Cash dividends to net income (ytd only)* | 39.7138% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 4,955 |
| Loan loss allowance to noncurrent loans | 89.8069% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 1.5215% | 4,097 |
| Noncurrent loans to loans | 1.4111% | 4,563 |
| Net loans and leases to total assets | 77.0930% | 1,566 |
| Net loans and leases to deposits | 89.0949% | 2,374 |
| Net loans and leases to core deposits | 142.6824% | 720 |
| Total domestic deposits to total assets | 86.5291% | 2,746 |
| Equity capital to assets | 8.7623% | 5,498 |
| Core capital (leverage) ratio | 8.3484% | 5,538 |
| Tier 1 risk-based capital ratio | 9.9013% | 6,954 |
| Total risk-based capital ratio | 11.1074% | 6,961 |
| Memoranda: | ||
| Average total assets | $78,987,200 | 5,756 |
| Average earning assets | $73,127,200 | 5,715 |
| Average equity | $6,798,000 | 6,332 |
| Average total loans | $66,810,000 | 4,989 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4779% | 790 |
| Cost of funding earning assets | 2.6593% | 886 |
| Net interest margin | 3.8186% | 3,578 |
| Noninterest income to average assets | 0.2560% | 6,404 |
| Noninterest expense to average assets | 3.0451% | 3,859 |
| Loan and lease loss provision to assets | 0.2818% | 4,723 |
| Net operating income to assets | 0.4726% | 4,109 |
| Return on assets (ROA) | 0.4726% | 4,210 |
| Pretax return on assets | 0.4726% | 4,609 |
| Return on Equity (ROE) | 5.5182% | 3,726 |
| Retained earnings to average equity (ytd only) | 2.1270% | 4,139 |
| Net charge-offs to loans | 0.0279% | 6,491 |
| Credit loss provision to net charge-offs | 1,171.4286% | 324 |
| Earnings coverage of net charge-offs (x) | 31.3508% | 902 |
| Efficiency ratio | 80.1447% | 2,820 |
| Assets per employee ($millions) | 4.2766% | 3,243 |
| Cash dividends to net income (ytd only)* | 61.4548% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 3,843 |
| Loan loss allowance to noncurrent loans | 66.3962% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 2.2571% | 3,035 |
| Noncurrent loans to loans | 2.1369% | 3,465 |
| Net loans and leases to total assets | 83.9702% | 543 |
| Net loans and leases to deposits | 98.5897% | 1,255 |
| Net loans and leases to core deposits | 143.1208% | 793 |
| Total domestic deposits to total assets | 85.1714% | 3,138 |
| Equity capital to assets | 8.5041% | 6,248 |
| Core capital (leverage) ratio | 7.9249% | 6,475 |
| Tier 1 risk-based capital ratio | 8.8306% | 7,670 |
| Total risk-based capital ratio | 10.0841% | 7,700 |
| Memoranda: | ||
| Average total assets | $77,586,500 | 5,830 |
| Average earning assets | $71,996,500 | 5,787 |
| Average equity | $6,644,500 | 6,434 |
| Average total loans | $67,000,000 | 5,019 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4960% | 833 |
| Cost of funding earning assets | 2.7240% | 980 |
| Net interest margin | 3.7719% | 3,665 |
| Noninterest income to average assets | 0.2226% | 6,702 |
| Noninterest expense to average assets | 3.1821% | 3,383 |
| Loan and lease loss provision to assets | 0.2881% | 4,271 |
| Net operating income to assets | 0.2593% | 5,056 |
| Return on assets (ROA) | 0.2593% | 5,149 |
| Pretax return on assets | 0.2593% | 5,302 |
| Return on Equity (ROE) | 3.0201% | 4,891 |
| Retained earnings to average equity (ytd only) | -0.6101% | 5,379 |
| Net charge-offs to loans | 0.0302% | 6,040 |
| Credit loss provision to net charge-offs | 1,100.0000% | 445 |
| Earnings coverage of net charge-offs (x) | 20.9000% | 1,290 |
| Efficiency ratio | 85.3230% | 2,319 |
| Assets per employee ($millions) | 3.8830% | 3,908 |
| Cash dividends to net income (ytd only)* | 120.2020% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3789% | 3,839 |
| Loan loss allowance to noncurrent loans | 45.8887% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 2.6153% | 2,458 |
| Noncurrent loans to loans | 3.0049% | 2,402 |
| Net loans and leases to total assets | 85.8342% | 391 |
| Net loans and leases to deposits | 101.0904% | 1,162 |
| Net loans and leases to core deposits | 147.5649% | 717 |
| Total domestic deposits to total assets | 84.9084% | 3,310 |
| Equity capital to assets | 8.5051% | 6,039 |
| Core capital (leverage) ratio | 8.0201% | 6,291 |
| Tier 1 risk-based capital ratio | 9.1255% | 7,626 |
| Total risk-based capital ratio | 10.3752% | 7,637 |
| Memoranda: | ||
| Average total assets | $76,363,670 | 5,908 |
| Average earning assets | $70,998,000 | 5,855 |
| Average equity | $6,556,000 | 6,514 |
| Average total loans | $66,262,670 | 5,096 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3582% | 1,161 |
| Cost of funding earning assets | 2.7201% | 1,209 |
| Net interest margin | 3.6381% | 4,149 |
| Noninterest income to average assets | 0.2008% | 6,855 |
| Noninterest expense to average assets | 3.0271% | 3,649 |
| Loan and lease loss provision to assets | 0.2906% | 3,631 |
| Net operating income to assets | 0.2747% | 5,388 |
| Return on assets (ROA) | 0.2747% | 5,558 |
| Pretax return on assets | 0.2747% | 5,752 |
| Return on Equity (ROE) | 3.1846% | 5,286 |
| Retained earnings to average equity (ytd only) | 0.7349% | 5,370 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2647% | 2,277 |
| Assets per employee ($millions) | 3.8135% | 4,058 |
| Cash dividends to net income (ytd only)* | 76.9231% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3523% | 3,789 |
| Loan loss allowance to noncurrent loans | 74.6633% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 1.5576% | 3,600 |
| Noncurrent loans to loans | 1.8111% | 3,549 |
| Net loans and leases to total assets | 84.8405% | 571 |
| Net loans and leases to deposits | 99.8889% | 1,428 |
| Net loans and leases to core deposits | 146.4357% | 839 |
| Total domestic deposits to total assets | 84.9349% | 3,238 |
| Equity capital to assets | 8.4831% | 6,101 |
| Core capital (leverage) ratio | 8.4801% | 5,578 |
| Tier 1 risk-based capital ratio | 9.4629% | 7,453 |
| Total risk-based capital ratio | 10.7143% | 7,408 |
| Memoranda: | ||
| Average total assets | $75,716,000 | 5,956 |
| Average earning assets | $70,585,500 | 5,893 |
| Average equity | $6,531,500 | 6,575 |
| Average total loans | $65,599,000 | 5,147 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1898% | 763 |
| Cost of funding earning assets | 3.1766% | 1,264 |
| Net interest margin | 4.0132% | 3,057 |
| Noninterest income to average assets | 0.5142% | 4,517 |
| Noninterest expense to average assets | 2.9411% | 4,297 |
| Loan and lease loss provision to assets | 0.7350% | 2,017 |
| Net operating income to assets | 0.5539% | 4,514 |
| Return on assets (ROA) | 0.5565% | 4,352 |
| Pretax return on assets | 0.5565% | 4,835 |
| Return on Equity (ROE) | 6.3115% | 3,820 |
| Retained earnings to average equity (ytd only) | 1.2443% | 4,474 |
| Net charge-offs to loans | 0.4894% | 2,403 |
| Credit loss provision to net charge-offs | 170.5521% | 2,998 |
| Earnings coverage of net charge-offs (x) | 2.9908% | 4,592 |
| Efficiency ratio | 69.5313% | 4,441 |
| Assets per employee ($millions) | 3.7582% | 4,042 |
| Cash dividends to net income (ytd only)* | 80.2850% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2682% | 4,002 |
| Loan loss allowance to noncurrent loans | 80.3089% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 1.3783% | 3,431 |
| Noncurrent loans to loans | 1.5792% | 3,410 |
| Net loans and leases to total assets | 86.1754% | 584 |
| Net loans and leases to deposits | 103.0696% | 1,457 |
| Net loans and leases to core deposits | 142.8994% | 1,135 |
| Total domestic deposits to total assets | 83.6090% | 3,529 |
| Equity capital to assets | 8.7716% | 5,702 |
| Core capital (leverage) ratio | 8.3949% | 5,777 |
| Tier 1 risk-based capital ratio | 9.3435% | 7,473 |
| Total risk-based capital ratio | 10.5890% | 7,405 |
| Memoranda: | ||
| Average total assets | $75,651,200 | 5,852 |
| Average earning assets | $70,044,000 | 5,819 |
| Average equity | $6,670,400 | 6,577 |
| Average total loans | $66,610,400 | 4,993 |