Home > Badger Bank > Performance and Condition Ratios
Badger Bank, Performance and Condition Ratios
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6879% | 3,572 |
| Cost of funding earning assets | 1.7997% | 2,715 |
| Net interest margin | 2.8882% | 3,305 |
| Noninterest income to average assets | 0.7100% | 1,111 |
| Noninterest expense to average assets | 2.4798% | 2,316 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 0.8219% | 2,625 |
| Return on assets (ROA) | 0.8219% | 2,642 |
| Pretax return on assets | 0.8233% | 2,982 |
| Return on Equity (ROE) | 8.5200% | 2,603 |
| Retained earnings to average equity (ytd only) | 5.8892% | 2,123 |
| Net charge-offs to loans | -0.0041% | 3,815 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 74.1317% | 1,573 |
| Assets per employee ($millions) | 5.8616% | 2,975 |
| Cash dividends to net income (ytd only)* | 30.8692% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1299% | 2,594 |
| Loan loss allowance to noncurrent loans | 117.5283% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.6493% | 1,107 |
| Noncurrent loans to loans | 0.9613% | 1,044 |
| Net loans and leases to total assets | 63.8900% | 2,537 |
| Net loans and leases to deposits | 78.5237% | 2,311 |
| Net loans and leases to core deposits | 98.1794% | 1,607 |
| Total domestic deposits to total assets | 81.3600% | 3,239 |
| Equity capital to assets | 10.3279% | 2,085 |
| Core capital (leverage) ratio | 12.1640% | 1,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $199,688,500 | 2,998 |
| Average earning assets | $182,025,000 | 3,022 |
| Average equity | $19,266,500 | 3,020 |
| Average total loans | $130,433,750 | 2,902 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6455% | 3,563 |
| Cost of funding earning assets | 1.7758% | 2,680 |
| Net interest margin | 2.8696% | 3,305 |
| Noninterest income to average assets | 0.7500% | 976 |
| Noninterest expense to average assets | 2.4602% | 2,349 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 0.7146% | 2,898 |
| Return on assets (ROA) | 0.7146% | 2,917 |
| Pretax return on assets | 0.8598% | 2,851 |
| Return on Equity (ROE) | 7.5800% | 2,851 |
| Retained earnings to average equity (ytd only) | 4.5677% | 2,499 |
| Net charge-offs to loans | -0.0046% | 3,781 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 73.1765% | 1,731 |
| Assets per employee ($millions) | 6.1209% | 2,699 |
| Cash dividends to net income (ytd only)* | 39.7759% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1087% | 2,744 |
| Loan loss allowance to noncurrent loans | 157.1892% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.5008% | 1,336 |
| Noncurrent loans to loans | 0.7053% | 1,319 |
| Net loans and leases to total assets | 66.2100% | 2,324 |
| Net loans and leases to deposits | 81.3332% | 2,083 |
| Net loans and leases to core deposits | 90.0343% | 2,144 |
| Total domestic deposits to total assets | 81.4100% | 3,196 |
| Equity capital to assets | 9.6488% | 2,302 |
| Core capital (leverage) ratio | 12.0645% | 1,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $199,819,667 | 2,998 |
| Average earning assets | $182,113,000 | 3,021 |
| Average equity | $18,827,667 | 3,029 |
| Average total loans | $130,985,667 | 2,895 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6473% | 3,442 |
| Cost of funding earning assets | 1.8025% | 2,497 |
| Net interest margin | 2.8449% | 3,301 |
| Noninterest income to average assets | 0.8300% | 775 |
| Noninterest expense to average assets | 2.4183% | 2,463 |
| Loan and lease loss provision to assets | 0.0400% | 1,880 |
| Net operating income to assets | 0.8028% | 2,533 |
| Return on assets (ROA) | 0.8028% | 2,547 |
| Pretax return on assets | 0.9693% | 2,466 |
| Return on Equity (ROE) | 8.6200% | 2,502 |
| Retained earnings to average equity (ytd only) | 6.5773% | 1,952 |
| Net charge-offs to loans | -0.0061% | 3,784 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 70.5202% | 2,097 |
| Assets per employee ($millions) | 6.2225% | 2,664 |
| Cash dividends to net income (ytd only)* | 23.7037% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 2,839 |
| Loan loss allowance to noncurrent loans | 2,385.0000% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 3,224 |
| Noncurrent loans to loans | 0.0460% | 3,434 |
| Net loans and leases to total assets | 64.8200% | 2,389 |
| Net loans and leases to deposits | 79.4207% | 2,116 |
| Net loans and leases to core deposits | 87.7063% | 2,194 |
| Total domestic deposits to total assets | 81.6200% | 3,253 |
| Equity capital to assets | 9.4480% | 2,360 |
| Core capital (leverage) ratio | 11.7302% | 1,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $201,795,000 | 2,987 |
| Average earning assets | $184,191,000 | 3,004 |
| Average equity | $18,792,000 | 3,038 |
| Average total loans | $130,907,000 | 2,893 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2966% | 3,447 |
| Cost of funding earning assets | 0.9280% | 3,463 |
| Net interest margin | 3.3686% | 2,474 |
| Noninterest income to average assets | 0.7900% | 968 |
| Noninterest expense to average assets | 2.5896% | 2,034 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.9461% | 2,389 |
| Return on assets (ROA) | 0.9449% | 2,376 |
| Pretax return on assets | 1.1945% | 2,153 |
| Return on Equity (ROE) | 10.3400% | 2,394 |
| Retained earnings to average equity (ytd only) | 5.6029% | 2,377 |
| Net charge-offs to loans | 0.0016% | 2,763 |
| Credit loss provision to net charge-offs | 6,000.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 1,217.0000% | 131 |
| Efficiency ratio | 67.3025% | 2,191 |
| Assets per employee ($millions) | 5.6797% | 3,094 |
| Cash dividends to net income (ytd only)* | 45.7877% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0731% | 2,967 |
| Loan loss allowance to noncurrent loans | 2,272.5806% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 3,147 |
| Noncurrent loans to loans | 0.0472% | 3,385 |
| Net loans and leases to total assets | 63.5300% | 2,507 |
| Net loans and leases to deposits | 80.2806% | 2,080 |
| Net loans and leases to core deposits | 87.7532% | 2,188 |
| Total domestic deposits to total assets | 79.1300% | 3,594 |
| Equity capital to assets | 9.1804% | 2,558 |
| Core capital (leverage) ratio | 11.7955% | 1,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $193,462,600 | 3,027 |
| Average earning assets | $175,650,000 | 3,046 |
| Average equity | $17,687,400 | 3,038 |
| Average total loans | $121,361,600 | 2,941 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1930% | 3,480 |
| Cost of funding earning assets | 0.7931% | 3,536 |
| Net interest margin | 3.3998% | 2,456 |
| Noninterest income to average assets | 0.8400% | 866 |
| Noninterest expense to average assets | 2.6196% | 1,878 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.0196% | 2,304 |
| Return on assets (ROA) | 1.0179% | 2,297 |
| Pretax return on assets | 1.2353% | 2,211 |
| Return on Equity (ROE) | 11.1500% | 2,335 |
| Retained earnings to average equity (ytd only) | 8.4209% | 1,833 |
| Net charge-offs to loans | 0.0011% | 2,579 |
| Credit loss provision to net charge-offs | 9,000.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 1,860.0000% | 74 |
| Efficiency ratio | 66.8272% | 2,173 |
| Assets per employee ($millions) | 5.3468% | 3,305 |
| Cash dividends to net income (ytd only)* | 24.4505% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1178% | 2,775 |
| Loan loss allowance to noncurrent loans | 1,623.5294% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 3,023 |
| Noncurrent loans to loans | 0.0688% | 3,268 |
| Net loans and leases to total assets | 63.4200% | 2,514 |
| Net loans and leases to deposits | 78.7889% | 2,165 |
| Net loans and leases to core deposits | 80.7014% | 2,547 |
| Total domestic deposits to total assets | 80.5000% | 3,458 |
| Equity capital to assets | 8.8391% | 2,514 |
| Core capital (leverage) ratio | 12.1339% | 1,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $190,711,000 | 3,056 |
| Average earning assets | $172,984,000 | 3,075 |
| Average equity | $17,416,500 | 3,048 |
| Average total loans | $118,876,250 | 2,971 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0972% | 3,500 |
| Cost of funding earning assets | 0.6407% | 3,656 |
| Net interest margin | 3.4565% | 2,372 |
| Noninterest income to average assets | 0.9200% | 658 |
| Noninterest expense to average assets | 2.6710% | 1,716 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.0071% | 2,394 |
| Return on assets (ROA) | 1.0046% | 2,401 |
| Pretax return on assets | 1.3160% | 2,035 |
| Return on Equity (ROE) | 10.8800% | 2,451 |
| Retained earnings to average equity (ytd only) | 7.8516% | 2,016 |
| Net charge-offs to loans | 0.0017% | 2,327 |
| Credit loss provision to net charge-offs | 6,000.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 1,314.0000% | 110 |
| Efficiency ratio | 65.8967% | 2,252 |
| Assets per employee ($millions) | 5.0567% | 3,553 |
| Cash dividends to net income (ytd only)* | 27.8534% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 2,885 |
| Loan loss allowance to noncurrent loans | 2,812.5000% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 3,110 |
| Noncurrent loans to loans | 0.0396% | 3,447 |
| Net loans and leases to total assets | 62.3500% | 2,545 |
| Net loans and leases to deposits | 79.0458% | 2,041 |
| Net loans and leases to core deposits | 80.2336% | 2,456 |
| Total domestic deposits to total assets | 78.8800% | 3,737 |
| Equity capital to assets | 9.3034% | 2,312 |
| Core capital (leverage) ratio | 11.9140% | 1,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $190,119,333 | 3,069 |
| Average earning assets | $172,311,000 | 3,088 |
| Average equity | $17,550,667 | 3,056 |
| Average total loans | $117,348,000 | 2,982 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9770% | 3,491 |
| Cost of funding earning assets | 0.5304% | 3,594 |
| Net interest margin | 3.4466% | 2,510 |
| Noninterest income to average assets | 1.0700% | 522 |
| Noninterest expense to average assets | 2.6335% | 1,865 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.1401% | 2,099 |
| Return on assets (ROA) | 1.1401% | 2,064 |
| Pretax return on assets | 1.4976% | 1,677 |
| Return on Equity (ROE) | 12.4000% | 2,112 |
| Retained earnings to average equity (ytd only) | 10.3293% | 1,621 |
| Net charge-offs to loans | 0.0069% | 1,691 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 369.0000% | 304 |
| Efficiency ratio | 62.7837% | 2,599 |
| Assets per employee ($millions) | 5.3471% | 3,365 |
| Cash dividends to net income (ytd only)* | 16.6976% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 2,972 |
| Loan loss allowance to noncurrent loans | 3,217.0732% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.2239% | 2,006 |
| Noncurrent loans to loans | 0.0347% | 3,498 |
| Net loans and leases to total assets | 60.6900% | 2,583 |
| Net loans and leases to deposits | 73.9838% | 2,294 |
| Net loans and leases to core deposits | 74.8643% | 2,610 |
| Total domestic deposits to total assets | 82.0300% | 3,484 |
| Equity capital to assets | 9.3120% | 2,290 |
| Core capital (leverage) ratio | 11.9768% | 1,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $189,101,500 | 3,113 |
| Average earning assets | $171,184,500 | 3,137 |
| Average equity | $17,387,500 | 3,098 |
| Average total loans | $115,439,000 | 3,027 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5679% | 2,888 |
| Cost of funding earning assets | 0.2092% | 3,683 |
| Net interest margin | 3.3588% | 2,386 |
| Noninterest income to average assets | 0.9000% | 783 |
| Noninterest expense to average assets | 2.6310% | 1,728 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.9699% | 2,675 |
| Return on assets (ROA) | 0.9699% | 2,618 |
| Pretax return on assets | 1.2734% | 2,189 |
| Return on Equity (ROE) | 9.7300% | 2,891 |
| Retained earnings to average equity (ytd only) | 6.6099% | 2,406 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.5415% | 2,141 |
| Assets per employee ($millions) | 4.7618% | 3,846 |
| Cash dividends to net income (ytd only)* | 32.0862% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 2,674 |
| Loan loss allowance to noncurrent loans | 337.0757% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.4162% | 1,236 |
| Noncurrent loans to loans | 0.3397% | 1,935 |
| Net loans and leases to total assets | 60.0100% | 2,633 |
| Net loans and leases to deposits | 70.7672% | 2,519 |
| Net loans and leases to core deposits | 72.2410% | 2,704 |
| Total domestic deposits to total assets | 84.8100% | 3,039 |
| Equity capital to assets | 9.0733% | 2,315 |
| Core capital (leverage) ratio | 12.1673% | 1,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $181,871,200 | 3,173 |
| Average earning assets | $165,417,800 | 3,201 |
| Average equity | $18,124,400 | 3,113 |
| Average total loans | $104,185,000 | 3,094 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4621% | 2,742 |
| Cost of funding earning assets | 0.1819% | 3,497 |
| Net interest margin | 3.2802% | 2,360 |
| Noninterest income to average assets | 0.9500% | 743 |
| Noninterest expense to average assets | 2.5588% | 1,830 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.0170% | 2,417 |
| Return on assets (ROA) | 1.0170% | 2,388 |
| Pretax return on assets | 1.3413% | 1,915 |
| Return on Equity (ROE) | 9.9800% | 2,728 |
| Retained earnings to average equity (ytd only) | 7.4534% | 2,207 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.8729% | 2,425 |
| Assets per employee ($millions) | 4.3510% | 4,154 |
| Cash dividends to net income (ytd only)* | 25.2899% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 2,482 |
| Loan loss allowance to noncurrent loans | 382.1212% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.4098% | 1,321 |
| Noncurrent loans to loans | 0.3163% | 2,112 |
| Net loans and leases to total assets | 57.7900% | 2,719 |
| Net loans and leases to deposits | 66.2977% | 2,691 |
| Net loans and leases to core deposits | 67.4720% | 2,844 |
| Total domestic deposits to total assets | 87.1600% | 2,708 |
| Equity capital to assets | 9.1434% | 2,123 |
| Core capital (leverage) ratio | 12.0307% | 1,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $180,911,750 | 3,197 |
| Average earning assets | $164,905,000 | 3,227 |
| Average equity | $18,443,000 | 3,118 |
| Average total loans | $102,045,500 | 3,123 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3882% | 2,474 |
| Cost of funding earning assets | 0.1505% | 3,572 |
| Net interest margin | 3.2377% | 2,084 |
| Noninterest income to average assets | 1.0542% | 599 |
| Noninterest expense to average assets | 2.5397% | 1,812 |
| Loan and lease loss provision to assets | 0.0330% | 1,995 |
| Net operating income to assets | 1.0883% | 1,820 |
| Return on assets (ROA) | 1.0883% | 1,802 |
| Pretax return on assets | 1.4415% | 1,329 |
| Return on Equity (ROE) | 10.3270% | 2,217 |
| Retained earnings to average equity (ytd only) | 7.6226% | 1,757 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2675% | 2,877 |
| Assets per employee ($millions) | 4.4574% | 4,105 |
| Cash dividends to net income (ytd only)* | 26.1881% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 2,674 |
| Loan loss allowance to noncurrent loans | 826.1745% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.3085% | 1,777 |
| Noncurrent loans to loans | 0.1453% | 2,973 |
| Net loans and leases to total assets | 56.8119% | 2,664 |
| Net loans and leases to deposits | 65.6726% | 2,573 |
| Net loans and leases to core deposits | 66.8422% | 2,752 |
| Total domestic deposits to total assets | 86.5079% | 3,109 |
| Equity capital to assets | 9.8605% | 1,795 |
| Core capital (leverage) ratio | 12.0725% | 1,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,752,333 | 3,229 |
| Average earning assets | $166,166,333 | 3,257 |
| Average equity | $19,153,667 | 3,137 |
| Average total loans | $101,279,333 | 3,164 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4347% | 1,989 |
| Cost of funding earning assets | 0.1520% | 3,485 |
| Net interest margin | 3.2827% | 1,613 |
| Noninterest income to average assets | 1.4781% | 363 |
| Noninterest expense to average assets | 2.4068% | 2,135 |
| Loan and lease loss provision to assets | 0.0654% | 1,248 |
| Net operating income to assets | 1.5064% | 625 |
| Return on assets (ROA) | 1.5064% | 613 |
| Pretax return on assets | 2.0187% | 336 |
| Return on Equity (ROE) | 13.8616% | 862 |
| Retained earnings to average equity (ytd only) | 12.0562% | 593 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5922% | 4,082 |
| Assets per employee ($millions) | 5.2695% | 3,524 |
| Cash dividends to net income (ytd only)* | 13.0246% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 2,597 |
| Loan loss allowance to noncurrent loans | 898.5401% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.3172% | 1,853 |
| Noncurrent loans to loans | 0.1392% | 3,112 |
| Net loans and leases to total assets | 52.6853% | 2,920 |
| Net loans and leases to deposits | 61.1153% | 2,797 |
| Net loans and leases to core deposits | 62.1683% | 2,957 |
| Total domestic deposits to total assets | 86.2064% | 3,190 |
| Equity capital to assets | 10.2747% | 1,704 |
| Core capital (leverage) ratio | 11.7122% | 1,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,480,000 | 3,221 |
| Average earning assets | $168,399,500 | 3,242 |
| Average equity | $19,940,000 | 3,152 |
| Average total loans | $100,656,500 | 3,176 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4689% | 2,756 |
| Cost of funding earning assets | 0.1720% | 3,752 |
| Net interest margin | 3.2969% | 2,323 |
| Noninterest income to average assets | 1.1830% | 757 |
| Noninterest expense to average assets | 2.5333% | 2,076 |
| Loan and lease loss provision to assets | 0.0676% | 1,719 |
| Net operating income to assets | 1.2170% | 1,868 |
| Return on assets (ROA) | 1.2157% | 1,921 |
| Pretax return on assets | 1.6252% | 1,353 |
| Return on Equity (ROE) | 10.1213% | 2,481 |
| Retained earnings to average equity (ytd only) | 3.0767% | 3,600 |
| Net charge-offs to loans | 0.0567% | 1,227 |
| Credit loss provision to net charge-offs | 214.2857% | 1,271 |
| Earnings coverage of net charge-offs (x) | 53.7143% | 1,259 |
| Efficiency ratio | 59.9201% | 3,161 |
| Assets per employee ($millions) | 5.0702% | 3,671 |
| Cash dividends to net income (ytd only)* | 69.6015% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 3,036 |
| Loan loss allowance to noncurrent loans | 1,968.8525% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.2789% | 2,148 |
| Noncurrent loans to loans | 0.0593% | 3,652 |
| Net loans and leases to total assets | 55.7244% | 2,652 |
| Net loans and leases to deposits | 65.4362% | 2,560 |
| Net loans and leases to core deposits | 66.5868% | 2,768 |
| Total domestic deposits to total assets | 85.1584% | 3,219 |
| Equity capital to assets | 11.4668% | 1,524 |
| Core capital (leverage) ratio | 11.3711% | 1,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,512,000 | 3,229 |
| Average earning assets | $163,942,800 | 3,236 |
| Average equity | $21,321,400 | 3,111 |
| Average total loans | $98,806,800 | 3,210 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4800% | 2,900 |
| Cost of funding earning assets | 0.1778% | 3,844 |
| Net interest margin | 3.3022% | 2,407 |
| Noninterest income to average assets | 1.2784% | 713 |
| Noninterest expense to average assets | 2.4948% | 2,132 |
| Loan and lease loss provision to assets | 0.0755% | 1,538 |
| Net operating income to assets | 1.3106% | 1,792 |
| Return on assets (ROA) | 1.3124% | 1,837 |
| Pretax return on assets | 1.7587% | 1,262 |
| Return on Equity (ROE) | 10.8000% | 2,440 |
| Retained earnings to average equity (ytd only) | 8.9637% | 1,710 |
| Net charge-offs to loans | 0.0764% | 899 |
| Credit loss provision to net charge-offs | 178.5714% | 1,260 |
| Earnings coverage of net charge-offs (x) | 43.2500% | 1,316 |
| Efficiency ratio | 57.6573% | 3,327 |
| Assets per employee ($millions) | 4.9810% | 3,721 |
| Cash dividends to net income (ytd only)* | 17.0029% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1930% | 3,024 |
| Loan loss allowance to noncurrent loans | 887.9699% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.3218% | 2,167 |
| Noncurrent loans to loans | 0.1343% | 3,436 |
| Net loans and leases to total assets | 53.0757% | 3,074 |
| Net loans and leases to deposits | 62.7100% | 2,977 |
| Net loans and leases to core deposits | 63.8063% | 3,160 |
| Total domestic deposits to total assets | 84.6368% | 3,252 |
| Equity capital to assets | 11.8900% | 1,452 |
| Core capital (leverage) ratio | 11.8275% | 1,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,258,250 | 3,274 |
| Average earning assets | $162,716,250 | 3,280 |
| Average equity | $21,419,250 | 3,134 |
| Average total loans | $97,780,250 | 3,274 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5424% | 2,793 |
| Cost of funding earning assets | 0.1863% | 3,886 |
| Net interest margin | 3.3561% | 2,282 |
| Noninterest income to average assets | 1.4933% | 547 |
| Noninterest expense to average assets | 2.5717% | 1,931 |
| Loan and lease loss provision to assets | 0.1037% | 1,217 |
| Net operating income to assets | 1.4226% | 1,508 |
| Return on assets (ROA) | 1.4253% | 1,565 |
| Pretax return on assets | 1.9138% | 989 |
| Return on Equity (ROE) | 11.6398% | 2,186 |
| Retained earnings to average equity (ytd only) | 9.7108% | 1,494 |
| Net charge-offs to loans | 0.1171% | 661 |
| Credit loss provision to net charge-offs | 157.8947% | 1,142 |
| Earnings coverage of net charge-offs (x) | 30.6667% | 1,299 |
| Efficiency ratio | 56.0804% | 3,530 |
| Assets per employee ($millions) | 5.4695% | 3,163 |
| Cash dividends to net income (ytd only)* | 16.5724% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 2,881 |
| Loan loss allowance to noncurrent loans | 455.2529% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.3963% | 2,016 |
| Noncurrent loans to loans | 0.2654% | 2,987 |
| Net loans and leases to total assets | 51.4438% | 3,406 |
| Net loans and leases to deposits | 60.5867% | 3,340 |
| Net loans and leases to core deposits | 61.9601% | 3,462 |
| Total domestic deposits to total assets | 84.9094% | 3,131 |
| Equity capital to assets | 11.6786% | 1,531 |
| Core capital (leverage) ratio | 11.8882% | 1,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,578,667 | 3,306 |
| Average earning assets | $159,946,000 | 3,312 |
| Average equity | $21,254,667 | 3,149 |
| Average total loans | $97,374,333 | 3,293 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6255% | 2,558 |
| Cost of funding earning assets | 0.1946% | 3,960 |
| Net interest margin | 3.4308% | 2,020 |
| Noninterest income to average assets | 1.8377% | 424 |
| Noninterest expense to average assets | 2.6358% | 1,779 |
| Loan and lease loss provision to assets | 0.0717% | 1,730 |
| Net operating income to assets | 1.7030% | 932 |
| Return on assets (ROA) | 1.7086% | 974 |
| Pretax return on assets | 2.2965% | 593 |
| Return on Equity (ROE) | 13.6041% | 1,513 |
| Retained earnings to average equity (ytd only) | 12.4625% | 1,038 |
| Net charge-offs to loans | 0.2417% | 350 |
| Credit loss provision to net charge-offs | 50.8475% | 1,304 |
| Earnings coverage of net charge-offs (x) | 16.7458% | 1,311 |
| Efficiency ratio | 52.7499% | 3,935 |
| Assets per employee ($millions) | 4.6804% | 3,947 |
| Cash dividends to net income (ytd only)* | 8.3916% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 3,337 |
| Loan loss allowance to noncurrent loans | 424.5211% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.6133% | 1,554 |
| Noncurrent loans to loans | 0.2640% | 3,162 |
| Net loans and leases to total assets | 56.4415% | 2,982 |
| Net loans and leases to deposits | 66.6571% | 2,842 |
| Net loans and leases to core deposits | 68.4046% | 3,027 |
| Total domestic deposits to total assets | 84.6744% | 3,229 |
| Equity capital to assets | 12.2345% | 1,182 |
| Core capital (leverage) ratio | 12.5253% | 980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,386,000 | 3,363 |
| Average earning assets | $154,131,000 | 3,372 |
| Average equity | $21,023,000 | 3,158 |
| Average total loans | $97,643,000 | 3,293 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0062% | 2,703 |
| Cost of funding earning assets | 0.2948% | 4,173 |
| Net interest margin | 3.7114% | 1,758 |
| Noninterest income to average assets | 2.1276% | 307 |
| Noninterest expense to average assets | 2.9969% | 1,449 |
| Loan and lease loss provision to assets | 0.1665% | 2,302 |
| Net operating income to assets | 1.7512% | 436 |
| Return on assets (ROA) | 1.7659% | 448 |
| Pretax return on assets | 2.3788% | 226 |
| Return on Equity (ROE) | 13.4932% | 925 |
| Retained earnings to average equity (ytd only) | 11.1824% | 418 |
| Net charge-offs to loans | 0.0042% | 3,213 |
| Credit loss provision to net charge-offs | 6,250.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 948.2500% | 126 |
| Efficiency ratio | 54.2571% | 4,184 |
| Assets per employee ($millions) | 4.3675% | 4,049 |
| Cash dividends to net income (ytd only)* | 17.1256% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 3,060 |
| Loan loss allowance to noncurrent loans | 229.6970% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.6163% | 1,711 |
| Noncurrent loans to loans | 0.5133% | 2,436 |
| Net loans and leases to total assets | 58.9729% | 2,983 |
| Net loans and leases to deposits | 70.3002% | 2,849 |
| Net loans and leases to core deposits | 72.1328% | 3,065 |
| Total domestic deposits to total assets | 83.8872% | 3,146 |
| Equity capital to assets | 12.9080% | 1,126 |
| Core capital (leverage) ratio | 12.3775% | 1,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,120,200 | 3,405 |
| Average earning assets | $137,361,800 | 3,415 |
| Average equity | $19,647,000 | 3,217 |
| Average total loans | $95,803,000 | 3,303 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0619% | 2,786 |
| Cost of funding earning assets | 0.3141% | 4,252 |
| Net interest margin | 3.7478% | 1,773 |
| Noninterest income to average assets | 2.1115% | 306 |
| Noninterest expense to average assets | 2.9817% | 1,482 |
| Loan and lease loss provision to assets | 0.1175% | 2,855 |
| Net operating income to assets | 1.8054% | 442 |
| Return on assets (ROA) | 1.8254% | 478 |
| Pretax return on assets | 2.4620% | 224 |
| Return on Equity (ROE) | 13.8954% | 896 |
| Retained earnings to average equity (ytd only) | 12.1447% | 406 |
| Net charge-offs to loans | -0.0098% | 4,221 |
| Credit loss provision to net charge-offs | -1,857.1429% | 4,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8600% | 4,163 |
| Assets per employee ($millions) | 3.9792% | 4,330 |
| Cash dividends to net income (ytd only)* | 12.5992% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0581% | 3,421 |
| Loan loss allowance to noncurrent loans | 139.8639% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.7834% | 1,476 |
| Noncurrent loans to loans | 0.7565% | 1,915 |
| Net loans and leases to total assets | 60.3959% | 3,182 |
| Net loans and leases to deposits | 72.1395% | 3,121 |
| Net loans and leases to core deposits | 74.0603% | 3,319 |
| Total domestic deposits to total assets | 83.7210% | 2,914 |
| Equity capital to assets | 12.8267% | 1,261 |
| Core capital (leverage) ratio | 12.6644% | 1,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,250,750 | 3,422 |
| Average earning assets | $134,546,500 | 3,439 |
| Average equity | $19,344,000 | 3,246 |
| Average total loans | $95,644,750 | 3,311 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1843% | 2,812 |
| Cost of funding earning assets | 0.3433% | 4,299 |
| Net interest margin | 3.8409% | 1,710 |
| Noninterest income to average assets | 1.7937% | 342 |
| Noninterest expense to average assets | 2.9788% | 1,636 |
| Loan and lease loss provision to assets | 0.0977% | 3,056 |
| Net operating income to assets | 1.6442% | 687 |
| Return on assets (ROA) | 1.6751% | 699 |
| Pretax return on assets | 2.2544% | 330 |
| Return on Equity (ROE) | 12.6404% | 1,180 |
| Retained earnings to average equity (ytd only) | 10.5969% | 674 |
| Net charge-offs to loans | -0.0168% | 4,360 |
| Credit loss provision to net charge-offs | -875.0000% | 3,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2912% | 3,906 |
| Assets per employee ($millions) | 4.0883% | 4,214 |
| Cash dividends to net income (ytd only)* | 16.1667% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9849% | 3,648 |
| Loan loss allowance to noncurrent loans | 76.5403% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.1445% | 973 |
| Noncurrent loans to loans | 1.2867% | 1,212 |
| Net loans and leases to total assets | 62.7082% | 3,050 |
| Net loans and leases to deposits | 75.0900% | 2,961 |
| Net loans and leases to core deposits | 77.1395% | 3,182 |
| Total domestic deposits to total assets | 83.5108% | 2,924 |
| Equity capital to assets | 12.6651% | 1,304 |
| Core capital (leverage) ratio | 12.8209% | 1,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,278,333 | 3,449 |
| Average earning assets | $130,488,667 | 3,466 |
| Average equity | $18,986,667 | 3,271 |
| Average total loans | $95,140,000 | 3,311 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3640% | 2,731 |
| Cost of funding earning assets | 0.3789% | 4,429 |
| Net interest margin | 3.9851% | 1,429 |
| Noninterest income to average assets | 1.1396% | 672 |
| Noninterest expense to average assets | 3.2294% | 1,369 |
| Loan and lease loss provision to assets | 0.0291% | 3,417 |
| Net operating income to assets | 1.1189% | 1,788 |
| Return on assets (ROA) | 1.1833% | 1,695 |
| Pretax return on assets | 1.5797% | 1,112 |
| Return on Equity (ROE) | 8.7115% | 2,229 |
| Retained earnings to average equity (ytd only) | 7.4241% | 1,401 |
| Net charge-offs to loans | -0.0086% | 4,022 |
| Credit loss provision to net charge-offs | -500.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8922% | 2,688 |
| Assets per employee ($millions) | 3.6256% | 4,360 |
| Cash dividends to net income (ytd only)* | 14.7783% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9579% | 3,902 |
| Loan loss allowance to noncurrent loans | 91.5822% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 1.0960% | 1,187 |
| Noncurrent loans to loans | 1.0459% | 1,591 |
| Net loans and leases to total assets | 67.7697% | 2,576 |
| Net loans and leases to deposits | 79.4873% | 2,734 |
| Net loans and leases to core deposits | 82.1664% | 3,012 |
| Total domestic deposits to total assets | 85.2585% | 2,308 |
| Equity capital to assets | 13.6550% | 1,161 |
| Core capital (leverage) ratio | 13.4334% | 1,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,239,500 | 3,485 |
| Average earning assets | $124,563,500 | 3,514 |
| Average equity | $18,642,000 | 3,307 |
| Average total loans | $93,515,000 | 3,332 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4671% | 3,053 |
| Cost of funding earning assets | 0.3277% | 4,660 |
| Net interest margin | 4.1394% | 1,453 |
| Noninterest income to average assets | 2.2847% | 220 |
| Noninterest expense to average assets | 3.2588% | 1,384 |
| Loan and lease loss provision to assets | 0.0882% | 2,257 |
| Net operating income to assets | 2.1393% | 253 |
| Return on assets (ROA) | 2.1429% | 264 |
| Pretax return on assets | 2.6839% | 150 |
| Return on Equity (ROE) | 16.4316% | 487 |
| Retained earnings to average equity (ytd only) | 10.3325% | 430 |
| Net charge-offs to loans | -0.0032% | 4,275 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0742% | 4,417 |
| Assets per employee ($millions) | 3.5053% | 4,478 |
| Cash dividends to net income (ytd only)* | 37.1184% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9606% | 3,696 |
| Loan loss allowance to noncurrent loans | 92.5234% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 1.1536% | 1,034 |
| Noncurrent loans to loans | 1.0382% | 1,456 |
| Net loans and leases to total assets | 67.2009% | 2,799 |
| Net loans and leases to deposits | 78.5416% | 2,950 |
| Net loans and leases to core deposits | 81.2012% | 3,199 |
| Total domestic deposits to total assets | 85.5609% | 2,262 |
| Equity capital to assets | 13.5116% | 1,272 |
| Core capital (leverage) ratio | 13.1942% | 1,154 |
| Tier 1 risk-based capital ratio | 20.8582% | 1,190 |
| Total risk-based capital ratio | 21.8884% | 1,196 |
| Memoranda: | ||
| Average total assets | $136,033,200 | 3,496 |
| Average earning assets | $122,965,800 | 3,520 |
| Average equity | $17,740,200 | 3,363 |
| Average total loans | $92,808,800 | 3,342 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4531% | 3,198 |
| Cost of funding earning assets | 0.3236% | 4,739 |
| Net interest margin | 4.1295% | 1,548 |
| Noninterest income to average assets | 2.6948% | 177 |
| Noninterest expense to average assets | 3.2639% | 1,343 |
| Loan and lease loss provision to assets | 0.0883% | 2,138 |
| Net operating income to assets | 2.4789% | 166 |
| Return on assets (ROA) | 2.4789% | 177 |
| Pretax return on assets | 3.0745% | 107 |
| Return on Equity (ROE) | 19.1822% | 302 |
| Retained earnings to average equity (ytd only) | 12.1806% | 364 |
| Net charge-offs to loans | -0.0086% | 4,335 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7864% | 4,693 |
| Assets per employee ($millions) | 3.5961% | 4,398 |
| Cash dividends to net income (ytd only)* | 36.5003% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9029% | 4,027 |
| Loan loss allowance to noncurrent loans | 156.2387% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.8730% | 1,569 |
| Noncurrent loans to loans | 0.5779% | 2,562 |
| Net loans and leases to total assets | 69.3921% | 2,569 |
| Net loans and leases to deposits | 81.1594% | 2,783 |
| Net loans and leases to core deposits | 83.1543% | 3,165 |
| Total domestic deposits to total assets | 85.5010% | 2,211 |
| Equity capital to assets | 13.3749% | 1,418 |
| Core capital (leverage) ratio | 13.2346% | 1,240 |
| Tier 1 risk-based capital ratio | 19.9322% | 1,369 |
| Total risk-based capital ratio | 20.8991% | 1,395 |
| Memoranda: | ||
| Average total assets | $135,865,250 | 3,531 |
| Average earning assets | $122,787,000 | 3,563 |
| Average equity | $17,557,500 | 3,403 |
| Average total loans | $92,821,500 | 3,380 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3956% | 3,347 |
| Cost of funding earning assets | 0.3215% | 4,763 |
| Net interest margin | 4.0740% | 1,688 |
| Noninterest income to average assets | 3.5147% | 127 |
| Noninterest expense to average assets | 3.2521% | 1,392 |
| Loan and lease loss provision to assets | 0.0885% | 2,073 |
| Net operating income to assets | 3.5751% | 62 |
| Return on assets (ROA) | 3.5751% | 66 |
| Pretax return on assets | 3.8554% | 73 |
| Return on Equity (ROE) | 27.6886% | 58 |
| Retained earnings to average equity (ytd only) | 17.8423% | 86 |
| Net charge-offs to loans | -0.0131% | 4,405 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1937% | 5,020 |
| Assets per employee ($millions) | 3.7368% | 4,197 |
| Cash dividends to net income (ytd only)* | 35.5611% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9058% | 4,066 |
| Loan loss allowance to noncurrent loans | 57.8765% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 1.5581% | 703 |
| Noncurrent loans to loans | 1.5651% | 976 |
| Net loans and leases to total assets | 67.8219% | 2,839 |
| Net loans and leases to deposits | 79.2364% | 3,031 |
| Net loans and leases to core deposits | 81.2265% | 3,314 |
| Total domestic deposits to total assets | 85.5943% | 2,225 |
| Equity capital to assets | 13.5285% | 1,306 |
| Core capital (leverage) ratio | 13.3011% | 1,187 |
| Tier 1 risk-based capital ratio | 20.6461% | 1,225 |
| Total risk-based capital ratio | 21.6152% | 1,248 |
| Memoranda: | ||
| Average total assets | $135,603,330 | 3,547 |
| Average earning assets | $122,532,330 | 3,590 |
| Average equity | $17,509,000 | 3,418 |
| Average total loans | $91,865,670 | 3,416 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3481% | 3,407 |
| Cost of funding earning assets | 0.3127% | 4,809 |
| Net interest margin | 4.0354% | 1,732 |
| Noninterest income to average assets | 6.1406% | 76 |
| Noninterest expense to average assets | 3.3377% | 1,211 |
| Loan and lease loss provision to assets | 0.0881% | 1,951 |
| Net operating income to assets | 6.1259% | 33 |
| Return on assets (ROA) | 6.1259% | 36 |
| Pretax return on assets | 6.3551% | 38 |
| Return on Equity (ROE) | 48.5901% | 17 |
| Retained earnings to average equity (ytd only) | 31.3447% | 24 |
| Net charge-offs to loans | -0.0087% | 4,180 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.1244% | 5,291 |
| Assets per employee ($millions) | 3.6849% | 4,357 |
| Cash dividends to net income (ytd only)* | 35.4916% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8760% | 4,256 |
| Loan loss allowance to noncurrent loans | 55.7491% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 1.5520% | 754 |
| Noncurrent loans to loans | 1.5714% | 1,015 |
| Net loans and leases to total assets | 66.3933% | 2,991 |
| Net loans and leases to deposits | 77.0984% | 3,153 |
| Net loans and leases to core deposits | 79.0040% | 3,452 |
| Total domestic deposits to total assets | 86.1151% | 2,226 |
| Equity capital to assets | 13.1280% | 1,381 |
| Core capital (leverage) ratio | 13.2359% | 1,172 |
| Tier 1 risk-based capital ratio | 20.6182% | 1,227 |
| Total risk-based capital ratio | 21.5580% | 1,252 |
| Memoranda: | ||
| Average total assets | $136,143,500 | 3,575 |
| Average earning assets | $122,813,500 | 3,617 |
| Average equity | $17,164,000 | 3,464 |
| Average total loans | $91,763,500 | 3,456 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2792% | 3,186 |
| Cost of funding earning assets | 0.2916% | 4,609 |
| Net interest margin | 3.9876% | 2,027 |
| Noninterest income to average assets | 0.9039% | 1,170 |
| Noninterest expense to average assets | 3.0655% | 1,878 |
| Loan and lease loss provision to assets | 0.0878% | 2,390 |
| Net operating income to assets | 1.0179% | 2,935 |
| Return on assets (ROA) | 1.0179% | 2,919 |
| Pretax return on assets | 1.3507% | 2,315 |
| Return on Equity (ROE) | 8.6961% | 3,143 |
| Retained earnings to average equity (ytd only) | 5.4913% | 2,486 |
| Net charge-offs to loans | 0.1199% | 1,541 |
| Credit loss provision to net charge-offs | 115.3846% | 2,248 |
| Earnings coverage of net charge-offs (x) | 18.9135% | 2,100 |
| Efficiency ratio | 68.0630% | 2,534 |
| Assets per employee ($millions) | 3.6742% | 4,357 |
| Cash dividends to net income (ytd only)* | 36.8534% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8329% | 4,428 |
| Loan loss allowance to noncurrent loans | 54.7398% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 1.5440% | 750 |
| Noncurrent loans to loans | 1.5216% | 1,003 |
| Net loans and leases to total assets | 67.2603% | 2,967 |
| Net loans and leases to deposits | 77.1282% | 3,267 |
| Net loans and leases to core deposits | 79.0137% | 3,499 |
| Total domestic deposits to total assets | 87.2059% | 1,680 |
| Equity capital to assets | 12.0850% | 1,832 |
| Core capital (leverage) ratio | 11.7620% | 1,905 |
| Tier 1 risk-based capital ratio | 18.7806% | 1,552 |
| Total risk-based capital ratio | 19.6720% | 1,593 |
| Memoranda: | ||
| Average total assets | $136,746,000 | 3,557 |
| Average earning assets | $123,459,000 | 3,595 |
| Average equity | $16,007,200 | 3,509 |
| Average total loans | $86,769,600 | 3,538 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1434% | 3,483 |
| Cost of funding earning assets | 0.2844% | 4,613 |
| Net interest margin | 3.8590% | 2,439 |
| Noninterest income to average assets | 0.9162% | 1,151 |
| Noninterest expense to average assets | 3.0123% | 1,984 |
| Loan and lease loss provision to assets | 0.0876% | 2,221 |
| Net operating income to assets | 0.9824% | 3,170 |
| Return on assets (ROA) | 0.9824% | 3,177 |
| Pretax return on assets | 1.3036% | 2,617 |
| Return on Equity (ROE) | 8.4601% | 3,348 |
| Retained earnings to average equity (ytd only) | 5.7099% | 2,819 |
| Net charge-offs to loans | 0.0484% | 2,135 |
| Credit loss provision to net charge-offs | 290.3226% | 1,051 |
| Earnings coverage of net charge-offs (x) | 46.0994% | 1,235 |
| Efficiency ratio | 68.4059% | 2,463 |
| Assets per employee ($millions) | 3.5624% | 4,478 |
| Cash dividends to net income (ytd only)* | 32.5072% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9439% | 4,070 |
| Loan loss allowance to noncurrent loans | 45.8192% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 1.5302% | 831 |
| Noncurrent loans to loans | 2.0602% | 701 |
| Net loans and leases to total assets | 61.2566% | 3,723 |
| Net loans and leases to deposits | 69.9049% | 3,922 |
| Net loans and leases to core deposits | 71.8835% | 4,090 |
| Total domestic deposits to total assets | 87.6285% | 1,429 |
| Equity capital to assets | 11.5978% | 2,182 |
| Core capital (leverage) ratio | 11.7157% | 1,999 |
| Tier 1 risk-based capital ratio | 19.3214% | 1,468 |
| Total risk-based capital ratio | 20.3017% | 1,496 |
| Memoranda: | ||
| Average total assets | $136,946,250 | 3,583 |
| Average earning assets | $123,759,500 | 3,626 |
| Average equity | $15,901,750 | 3,548 |
| Average total loans | $85,410,750 | 3,591 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1102% | 3,413 |
| Cost of funding earning assets | 0.2795% | 4,565 |
| Net interest margin | 3.8307% | 2,449 |
| Noninterest income to average assets | 0.9187% | 1,132 |
| Noninterest expense to average assets | 2.9835% | 2,084 |
| Loan and lease loss provision to assets | 0.0881% | 2,154 |
| Net operating income to assets | 0.9832% | 3,095 |
| Return on assets (ROA) | 0.9832% | 3,100 |
| Pretax return on assets | 1.3061% | 2,483 |
| Return on Equity (ROE) | 8.4642% | 3,282 |
| Retained earnings to average equity (ytd only) | 5.4575% | 2,845 |
| Net charge-offs to loans | 0.0633% | 1,712 |
| Credit loss provision to net charge-offs | 222.2222% | 1,215 |
| Earnings coverage of net charge-offs (x) | 35.1852% | 1,385 |
| Efficiency ratio | 68.1529% | 2,616 |
| Assets per employee ($millions) | 3.5794% | 4,500 |
| Cash dividends to net income (ytd only)* | 35.5224% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9043% | 4,318 |
| Loan loss allowance to noncurrent loans | 43.1319% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 1.6424% | 764 |
| Noncurrent loans to loans | 2.0967% | 685 |
| Net loans and leases to total assets | 63.2409% | 3,486 |
| Net loans and leases to deposits | 72.2891% | 3,686 |
| Net loans and leases to core deposits | 74.3910% | 3,854 |
| Total domestic deposits to total assets | 87.4833% | 1,654 |
| Equity capital to assets | 11.7683% | 2,010 |
| Core capital (leverage) ratio | 11.5955% | 1,986 |
| Tier 1 risk-based capital ratio | 19.2026% | 1,501 |
| Total risk-based capital ratio | 20.1606% | 1,532 |
| Memoranda: | ||
| Average total assets | $136,284,330 | 3,618 |
| Average earning assets | $123,059,000 | 3,656 |
| Average equity | $15,831,330 | 3,579 |
| Average total loans | $85,242,330 | 3,619 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0034% | 3,595 |
| Cost of funding earning assets | 0.2725% | 4,561 |
| Net interest margin | 3.7309% | 2,684 |
| Noninterest income to average assets | 0.8972% | 1,153 |
| Noninterest expense to average assets | 3.1521% | 1,687 |
| Loan and lease loss provision to assets | 0.0880% | 2,042 |
| Net operating income to assets | 0.7800% | 3,791 |
| Return on assets (ROA) | 0.7800% | 3,789 |
| Pretax return on assets | 1.0292% | 3,430 |
| Return on Equity (ROE) | 6.7583% | 3,876 |
| Retained earnings to average equity (ytd only) | 4.4717% | 3,409 |
| Net charge-offs to loans | 0.0237% | 2,030 |
| Credit loss provision to net charge-offs | 600.0000% | 515 |
| Earnings coverage of net charge-offs (x) | 76.2000% | 731 |
| Efficiency ratio | 73.8324% | 1,919 |
| Assets per employee ($millions) | 3.8025% | 4,286 |
| Cash dividends to net income (ytd only)* | 33.8346% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9115% | 4,394 |
| Loan loss allowance to noncurrent loans | 42.2512% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 1.6509% | 804 |
| Noncurrent loans to loans | 2.1574% | 707 |
| Net loans and leases to total assets | 61.7031% | 3,583 |
| Net loans and leases to deposits | 70.2864% | 3,764 |
| Net loans and leases to core deposits | 72.6214% | 3,912 |
| Total domestic deposits to total assets | 87.7881% | 1,738 |
| Equity capital to assets | 11.5238% | 2,112 |
| Core capital (leverage) ratio | 11.5805% | 1,954 |
| Tier 1 risk-based capital ratio | 19.3705% | 1,461 |
| Total risk-based capital ratio | 20.3429% | 1,491 |
| Memoranda: | ||
| Average total assets | $136,417,500 | 3,653 |
| Average earning assets | $123,295,000 | 3,691 |
| Average equity | $15,743,500 | 3,618 |
| Average total loans | $84,461,500 | 3,665 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1914% | 2,714 |
| Cost of funding earning assets | 0.2643% | 4,444 |
| Net interest margin | 3.9270% | 2,004 |
| Noninterest income to average assets | 0.8837% | 1,315 |
| Noninterest expense to average assets | 3.0208% | 2,113 |
| Loan and lease loss provision to assets | 0.0889% | 2,411 |
| Net operating income to assets | 0.7668% | 3,313 |
| Return on assets (ROA) | 0.7830% | 3,275 |
| Pretax return on assets | 1.3096% | 2,308 |
| Return on Equity (ROE) | 6.8259% | 3,366 |
| Retained earnings to average equity (ytd only) | 3.5712% | 3,135 |
| Net charge-offs to loans | 0.1491% | 1,601 |
| Credit loss provision to net charge-offs | 96.7742% | 2,666 |
| Earnings coverage of net charge-offs (x) | 14.9516% | 2,282 |
| Efficiency ratio | 68.7458% | 2,754 |
| Assets per employee ($millions) | 3.3157% | 4,922 |
| Cash dividends to net income (ytd only)* | 47.6821% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8987% | 4,476 |
| Loan loss allowance to noncurrent loans | 62.1488% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 1.3285% | 1,086 |
| Noncurrent loans to loans | 1.4460% | 1,183 |
| Net loans and leases to total assets | 61.0016% | 3,733 |
| Net loans and leases to deposits | 69.5034% | 3,915 |
| Net loans and leases to core deposits | 71.8265% | 4,059 |
| Total domestic deposits to total assets | 87.7678% | 1,618 |
| Equity capital to assets | 11.5577% | 2,147 |
| Core capital (leverage) ratio | 11.1798% | 2,170 |
| Tier 1 risk-based capital ratio | 19.5684% | 1,402 |
| Total risk-based capital ratio | 20.5298% | 1,428 |
| Memoranda: | ||
| Average total assets | $134,999,400 | 3,680 |
| Average earning assets | $120,677,000 | 3,732 |
| Average equity | $15,485,200 | 3,658 |
| Average total loans | $83,192,600 | 3,676 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0935% | 3,007 |
| Cost of funding earning assets | 0.2594% | 4,488 |
| Net interest margin | 3.8342% | 2,269 |
| Noninterest income to average assets | 0.8914% | 1,299 |
| Noninterest expense to average assets | 2.9800% | 2,165 |
| Loan and lease loss provision to assets | 0.0890% | 2,297 |
| Net operating income to assets | 0.7977% | 3,531 |
| Return on assets (ROA) | 0.8192% | 3,483 |
| Pretax return on assets | 1.2783% | 2,593 |
| Return on Equity (ROE) | 7.1554% | 3,565 |
| Retained earnings to average equity (ytd only) | 4.3468% | 3,321 |
| Net charge-offs to loans | 0.1942% | 1,094 |
| Credit loss provision to net charge-offs | 74.3802% | 2,655 |
| Earnings coverage of net charge-offs (x) | 11.1405% | 2,526 |
| Efficiency ratio | 69.0826% | 2,696 |
| Assets per employee ($millions) | 3.5278% | 4,688 |
| Cash dividends to net income (ytd only)* | 39.2511% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8474% | 4,766 |
| Loan loss allowance to noncurrent loans | 52.9584% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 1.4340% | 1,072 |
| Noncurrent loans to loans | 1.6000% | 1,146 |
| Net loans and leases to total assets | 61.6610% | 3,691 |
| Net loans and leases to deposits | 70.1759% | 3,943 |
| Net loans and leases to core deposits | 72.6906% | 4,089 |
| Total domestic deposits to total assets | 87.8662% | 1,436 |
| Equity capital to assets | 11.4098% | 2,456 |
| Core capital (leverage) ratio | 11.2366% | 2,234 |
| Tier 1 risk-based capital ratio | 19.3484% | 1,511 |
| Total risk-based capital ratio | 20.2678% | 1,543 |
| Memoranda: | ||
| Average total assets | $134,763,250 | 3,718 |
| Average earning assets | $120,284,000 | 3,784 |
| Average equity | $15,428,500 | 3,695 |
| Average total loans | $83,070,750 | 3,702 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0979% | 2,837 |
| Cost of funding earning assets | 0.2540% | 4,505 |
| Net interest margin | 3.8439% | 2,112 |
| Noninterest income to average assets | 0.8653% | 1,375 |
| Noninterest expense to average assets | 2.9935% | 2,130 |
| Loan and lease loss provision to assets | 0.0897% | 2,191 |
| Net operating income to assets | 0.7712% | 3,538 |
| Return on assets (ROA) | 0.7712% | 3,588 |
| Pretax return on assets | 1.1971% | 2,783 |
| Return on Equity (ROE) | 6.7281% | 3,705 |
| Retained earnings to average equity (ytd only) | 3.6639% | 3,522 |
| Net charge-offs to loans | 0.0389% | 2,420 |
| Credit loss provision to net charge-offs | 375.0000% | 825 |
| Earnings coverage of net charge-offs (x) | 53.8125% | 1,021 |
| Efficiency ratio | 69.9372% | 2,687 |
| Assets per employee ($millions) | 3.4785% | 4,750 |
| Cash dividends to net income (ytd only)* | 45.5426% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9641% | 4,350 |
| Loan loss allowance to noncurrent loans | 73.5294% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 1.4529% | 1,070 |
| Noncurrent loans to loans | 1.3111% | 1,473 |
| Net loans and leases to total assets | 60.5797% | 3,784 |
| Net loans and leases to deposits | 68.9403% | 3,996 |
| Net loans and leases to core deposits | 71.1886% | 4,141 |
| Total domestic deposits to total assets | 87.8727% | 1,524 |
| Equity capital to assets | 11.4336% | 2,385 |
| Core capital (leverage) ratio | 11.1422% | 2,280 |
| Tier 1 risk-based capital ratio | 19.3728% | 1,503 |
| Total risk-based capital ratio | 20.4036% | 1,509 |
| Memoranda: | ||
| Average total assets | $133,823,330 | 3,754 |
| Average earning assets | $118,891,000 | 3,826 |
| Average equity | $15,338,670 | 3,717 |
| Average total loans | $82,241,000 | 3,735 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0367% | 2,911 |
| Cost of funding earning assets | 0.2462% | 4,569 |
| Net interest margin | 3.7905% | 2,148 |
| Noninterest income to average assets | 0.9059% | 1,220 |
| Noninterest expense to average assets | 3.2173% | 1,559 |
| Loan and lease loss provision to assets | 0.0903% | 2,037 |
| Net operating income to assets | 0.6411% | 3,976 |
| Return on assets (ROA) | 0.6411% | 4,013 |
| Pretax return on assets | 0.9812% | 3,447 |
| Return on Equity (ROE) | 5.5860% | 4,101 |
| Retained earnings to average equity (ytd only) | 3.2257% | 3,816 |
| Net charge-offs to loans | 0.0391% | 2,030 |
| Credit loss provision to net charge-offs | 375.0000% | 674 |
| Earnings coverage of net charge-offs (x) | 44.5000% | 961 |
| Efficiency ratio | 75.0175% | 2,066 |
| Assets per employee ($millions) | 3.4186% | 4,907 |
| Cash dividends to net income (ytd only)* | 42.2535% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 4,536 |
| Loan loss allowance to noncurrent loans | 70.9854% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.6238% | 960 |
| Noncurrent loans to loans | 1.3421% | 1,507 |
| Net loans and leases to total assets | 60.6689% | 3,708 |
| Net loans and leases to deposits | 69.0230% | 3,892 |
| Net loans and leases to core deposits | 70.8599% | 4,084 |
| Total domestic deposits to total assets | 87.8967% | 1,772 |
| Equity capital to assets | 11.4995% | 2,178 |
| Core capital (leverage) ratio | 11.4863% | 1,957 |
| Tier 1 risk-based capital ratio | 19.3974% | 1,519 |
| Total risk-based capital ratio | 20.4118% | 1,538 |
| Memoranda: | ||
| Average total assets | $132,904,500 | 3,796 |
| Average earning assets | $118,611,000 | 3,857 |
| Average equity | $15,252,500 | 3,751 |
| Average total loans | $81,870,000 | 3,772 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1608% | 2,623 |
| Cost of funding earning assets | 0.2299% | 4,738 |
| Net interest margin | 3.9309% | 1,852 |
| Noninterest income to average assets | 1.0447% | 1,035 |
| Noninterest expense to average assets | 3.1303% | 1,951 |
| Loan and lease loss provision to assets | 0.0914% | 2,529 |
| Net operating income to assets | 0.8795% | 2,930 |
| Return on assets (ROA) | 0.8795% | 3,046 |
| Pretax return on assets | 1.3645% | 2,050 |
| Return on Equity (ROE) | 7.7448% | 3,088 |
| Retained earnings to average equity (ytd only) | 5.3308% | 2,111 |
| Net charge-offs to loans | 0.1497% | 1,765 |
| Credit loss provision to net charge-offs | 98.3607% | 2,636 |
| Earnings coverage of net charge-offs (x) | 15.6721% | 2,183 |
| Efficiency ratio | 68.2550% | 3,197 |
| Assets per employee ($millions) | 3.3121% | 5,025 |
| Cash dividends to net income (ytd only)* | 31.1688% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9211% | 4,691 |
| Loan loss allowance to noncurrent loans | 68.7898% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 1.6440% | 956 |
| Noncurrent loans to loans | 1.3390% | 1,534 |
| Net loans and leases to total assets | 61.3804% | 3,672 |
| Net loans and leases to deposits | 69.7613% | 3,927 |
| Net loans and leases to core deposits | 71.8859% | 4,091 |
| Total domestic deposits to total assets | 87.9863% | 1,635 |
| Equity capital to assets | 11.4529% | 2,209 |
| Core capital (leverage) ratio | 10.9274% | 2,413 |
| Tier 1 risk-based capital ratio | 19.0037% | 1,601 |
| Total risk-based capital ratio | 19.9801% | 1,639 |
| Memoranda: | ||
| Average total assets | $131,331,200 | 3,810 |
| Average earning assets | $118,318,800 | 3,862 |
| Average equity | $14,913,200 | 3,820 |
| Average total loans | $81,510,400 | 3,774 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1546% | 2,665 |
| Cost of funding earning assets | 0.2222% | 4,868 |
| Net interest margin | 3.9325% | 1,871 |
| Noninterest income to average assets | 1.0653% | 999 |
| Noninterest expense to average assets | 3.0951% | 2,041 |
| Loan and lease loss provision to assets | 0.0916% | 2,397 |
| Net operating income to assets | 0.9177% | 2,817 |
| Return on assets (ROA) | 0.9177% | 2,940 |
| Pretax return on assets | 1.4265% | 1,946 |
| Return on Equity (ROE) | 8.0995% | 2,959 |
| Retained earnings to average equity (ytd only) | 5.6751% | 2,374 |
| Net charge-offs to loans | 0.0246% | 3,175 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 99.4640% | 663 |
| Efficiency ratio | 67.0931% | 3,404 |
| Assets per employee ($millions) | 3.2508% | 5,109 |
| Cash dividends to net income (ytd only)* | 29.9333% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 4,356 |
| Loan loss allowance to noncurrent loans | 71.4408% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 1.7632% | 944 |
| Noncurrent loans to loans | 1.4111% | 1,552 |
| Net loans and leases to total assets | 61.3727% | 3,702 |
| Net loans and leases to deposits | 69.8871% | 4,000 |
| Net loans and leases to core deposits | 71.9266% | 4,164 |
| Total domestic deposits to total assets | 87.8170% | 1,494 |
| Equity capital to assets | 11.4380% | 2,564 |
| Core capital (leverage) ratio | 11.0374% | 2,411 |
| Tier 1 risk-based capital ratio | 18.7506% | 1,720 |
| Total risk-based capital ratio | 19.8240% | 1,736 |
| Memoranda: | ||
| Average total assets | $131,043,500 | 3,832 |
| Average earning assets | $118,226,750 | 3,881 |
| Average equity | $14,848,250 | 3,859 |
| Average total loans | $81,369,500 | 3,794 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0985% | 2,866 |
| Cost of funding earning assets | 0.2162% | 4,980 |
| Net interest margin | 3.8822% | 2,037 |
| Noninterest income to average assets | 0.9778% | 1,180 |
| Noninterest expense to average assets | 3.0684% | 2,144 |
| Loan and lease loss provision to assets | 0.0921% | 2,310 |
| Net operating income to assets | 0.8473% | 3,109 |
| Return on assets (ROA) | 0.8473% | 3,237 |
| Pretax return on assets | 1.3170% | 2,341 |
| Return on Equity (ROE) | 7.5020% | 3,262 |
| Retained earnings to average equity (ytd only) | 5.0557% | 2,698 |
| Net charge-offs to loans | 0.0469% | 2,542 |
| Credit loss provision to net charge-offs | 315.7895% | 928 |
| Earnings coverage of net charge-offs (x) | 48.3158% | 1,015 |
| Efficiency ratio | 68.5293% | 3,241 |
| Assets per employee ($millions) | 3.4251% | 4,877 |
| Cash dividends to net income (ytd only)* | 32.6087% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9644% | 4,699 |
| Loan loss allowance to noncurrent loans | 64.1252% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 1.9239% | 866 |
| Noncurrent loans to loans | 1.5040% | 1,455 |
| Net loans and leases to total assets | 63.0397% | 3,495 |
| Net loans and leases to deposits | 71.7837% | 3,805 |
| Net loans and leases to core deposits | 73.4835% | 4,034 |
| Total domestic deposits to total assets | 87.8190% | 1,518 |
| Equity capital to assets | 11.5188% | 2,528 |
| Core capital (leverage) ratio | 11.1749% | 2,259 |
| Tier 1 risk-based capital ratio | 18.3440% | 1,841 |
| Total risk-based capital ratio | 19.3697% | 1,870 |
| Memoranda: | ||
| Average total assets | $130,296,670 | 3,877 |
| Average earning assets | $117,459,000 | 3,925 |
| Average equity | $14,716,000 | 3,897 |
| Average total loans | $80,948,330 | 3,827 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1032% | 2,831 |
| Cost of funding earning assets | 0.2206% | 4,998 |
| Net interest margin | 3.8826% | 1,986 |
| Noninterest income to average assets | 0.9696% | 1,151 |
| Noninterest expense to average assets | 3.2002% | 1,832 |
| Loan and lease loss provision to assets | 0.0920% | 2,145 |
| Net operating income to assets | 0.7671% | 3,409 |
| Return on assets (ROA) | 0.7671% | 3,516 |
| Pretax return on assets | 1.1874% | 2,749 |
| Return on Equity (ROE) | 6.8597% | 3,535 |
| Retained earnings to average equity (ytd only) | 4.3902% | 3,286 |
| Net charge-offs to loans | -0.0450% | 5,274 |
| Credit loss provision to net charge-offs | -333.3333% | 4,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4384% | 2,881 |
| Assets per employee ($millions) | 3.4757% | 4,852 |
| Cash dividends to net income (ytd only)* | 36.0000% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9871% | 4,682 |
| Loan loss allowance to noncurrent loans | 76.9305% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 1.7931% | 1,039 |
| Noncurrent loans to loans | 1.2832% | 1,882 |
| Net loans and leases to total assets | 62.1616% | 3,502 |
| Net loans and leases to deposits | 70.6836% | 3,789 |
| Net loans and leases to core deposits | 72.3985% | 4,039 |
| Total domestic deposits to total assets | 87.9434% | 1,672 |
| Equity capital to assets | 11.4384% | 2,496 |
| Core capital (leverage) ratio | 10.8911% | 2,521 |
| Tier 1 risk-based capital ratio | 18.4668% | 1,862 |
| Total risk-based capital ratio | 19.5123% | 1,879 |
| Memoranda: | ||
| Average total assets | $130,368,500 | 3,906 |
| Average earning assets | $117,860,500 | 3,943 |
| Average equity | $14,578,000 | 3,918 |
| Average total loans | $79,999,000 | 3,858 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3805% | 1,966 |
| Cost of funding earning assets | 0.2073% | 5,222 |
| Net interest margin | 4.1732% | 1,226 |
| Noninterest income to average assets | 1.0144% | 1,143 |
| Noninterest expense to average assets | 3.1083% | 2,211 |
| Loan and lease loss provision to assets | 0.1204% | 1,992 |
| Net operating income to assets | 0.9796% | 2,468 |
| Return on assets (ROA) | 0.9976% | 2,474 |
| Pretax return on assets | 1.5618% | 1,369 |
| Return on Equity (ROE) | 8.8199% | 2,546 |
| Retained earnings to average equity (ytd only) | 6.3506% | 1,629 |
| Net charge-offs to loans | 0.1779% | 1,611 |
| Credit loss provision to net charge-offs | 104.8951% | 2,394 |
| Earnings coverage of net charge-offs (x) | 14.4126% | 2,300 |
| Efficiency ratio | 65.2679% | 4,029 |
| Assets per employee ($millions) | 3.5712% | 4,689 |
| Cash dividends to net income (ytd only)* | 27.9968% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9563% | 4,831 |
| Loan loss allowance to noncurrent loans | 61.4263% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 1.9177% | 944 |
| Noncurrent loans to loans | 1.5569% | 1,478 |
| Net loans and leases to total assets | 59.4105% | 3,915 |
| Net loans and leases to deposits | 67.1129% | 4,211 |
| Net loans and leases to core deposits | 70.1030% | 4,294 |
| Total domestic deposits to total assets | 88.5231% | 1,370 |
| Equity capital to assets | 10.9328% | 2,894 |
| Core capital (leverage) ratio | 10.7794% | 2,621 |
| Tier 1 risk-based capital ratio | 18.1583% | 1,915 |
| Total risk-based capital ratio | 19.1500% | 1,947 |
| Memoranda: | ||
| Average total assets | $124,600,800 | 3,996 |
| Average earning assets | $111,904,600 | 4,038 |
| Average equity | $14,093,200 | 3,955 |
| Average total loans | $80,364,800 | 3,815 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4711% | 1,684 |
| Cost of funding earning assets | 0.2049% | 5,333 |
| Net interest margin | 4.2663% | 1,028 |
| Noninterest income to average assets | 1.0724% | 1,047 |
| Noninterest expense to average assets | 3.0867% | 2,258 |
| Loan and lease loss provision to assets | 0.1304% | 1,729 |
| Net operating income to assets | 1.0684% | 2,140 |
| Return on assets (ROA) | 1.0767% | 2,195 |
| Pretax return on assets | 1.6917% | 1,131 |
| Return on Equity (ROE) | 9.4345% | 2,334 |
| Retained earnings to average equity (ytd only) | 6.6927% | 1,840 |
| Net charge-offs to loans | 0.1058% | 2,074 |
| Credit loss provision to net charge-offs | 187.5000% | 1,410 |
| Earnings coverage of net charge-offs (x) | 26.0159% | 1,631 |
| Efficiency ratio | 63.0493% | 4,397 |
| Assets per employee ($millions) | 3.1200% | 5,404 |
| Cash dividends to net income (ytd only)* | 29.0615% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9778% | 4,853 |
| Loan loss allowance to noncurrent loans | 122.4583% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 1.5713% | 1,423 |
| Noncurrent loans to loans | 0.7985% | 2,967 |
| Net loans and leases to total assets | 65.4816% | 3,088 |
| Net loans and leases to deposits | 74.6045% | 3,466 |
| Net loans and leases to core deposits | 78.4391% | 3,566 |
| Total domestic deposits to total assets | 87.7716% | 1,670 |
| Equity capital to assets | 11.5216% | 2,490 |
| Core capital (leverage) ratio | 11.0614% | 2,420 |
| Tier 1 risk-based capital ratio | 17.5597% | 2,170 |
| Total risk-based capital ratio | 18.5951% | 2,188 |
| Memoranda: | ||
| Average total assets | $122,717,250 | 4,074 |
| Average earning assets | $109,976,500 | 4,115 |
| Average equity | $14,005,000 | 4,017 |
| Average total loans | $80,641,000 | 3,837 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4734% | 1,623 |
| Cost of funding earning assets | 0.2013% | 5,422 |
| Net interest margin | 4.2721% | 977 |
| Noninterest income to average assets | 1.0539% | 1,068 |
| Noninterest expense to average assets | 3.0453% | 2,410 |
| Loan and lease loss provision to assets | 0.1311% | 1,682 |
| Net operating income to assets | 1.0850% | 1,995 |
| Return on assets (ROA) | 1.0850% | 2,102 |
| Pretax return on assets | 1.7046% | 1,079 |
| Return on Equity (ROE) | 9.5387% | 2,285 |
| Retained earnings to average equity (ytd only) | 6.6857% | 1,854 |
| Net charge-offs to loans | 0.1650% | 1,479 |
| Credit loss provision to net charge-offs | 121.2121% | 1,793 |
| Earnings coverage of net charge-offs (x) | 16.9697% | 1,878 |
| Efficiency ratio | 62.3909% | 4,618 |
| Assets per employee ($millions) | 3.2267% | 5,301 |
| Cash dividends to net income (ytd only)* | 29.9094% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9361% | 5,162 |
| Loan loss allowance to noncurrent loans | 362.5592% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 1.5871% | 1,523 |
| Noncurrent loans to loans | 0.2582% | 4,756 |
| Net loans and leases to total assets | 66.0251% | 2,942 |
| Net loans and leases to deposits | 75.1667% | 3,367 |
| Net loans and leases to core deposits | 79.1080% | 3,478 |
| Total domestic deposits to total assets | 87.8383% | 1,735 |
| Equity capital to assets | 11.4816% | 2,432 |
| Core capital (leverage) ratio | 11.0837% | 2,341 |
| Tier 1 risk-based capital ratio | 17.4324% | 2,242 |
| Total risk-based capital ratio | 18.4241% | 2,288 |
| Memoranda: | ||
| Average total assets | $122,023,000 | 4,117 |
| Average earning assets | $109,312,670 | 4,166 |
| Average equity | $13,880,330 | 4,062 |
| Average total loans | $80,012,000 | 3,882 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4342% | 1,650 |
| Cost of funding earning assets | 0.1907% | 5,594 |
| Net interest margin | 4.2435% | 988 |
| Noninterest income to average assets | 0.9891% | 1,139 |
| Noninterest expense to average assets | 3.2827% | 1,760 |
| Loan and lease loss provision to assets | 0.0986% | 2,051 |
| Net operating income to assets | 0.9069% | 2,713 |
| Return on assets (ROA) | 0.9069% | 2,838 |
| Pretax return on assets | 1.4097% | 1,857 |
| Return on Equity (ROE) | 8.0107% | 2,951 |
| Retained earnings to average equity (ytd only) | 5.3985% | 2,837 |
| Net charge-offs to loans | 0.2729% | 878 |
| Credit loss provision to net charge-offs | 55.5556% | 2,047 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,082 |
| Efficiency ratio | 68.5185% | 3,736 |
| Assets per employee ($millions) | 3.2591% | 5,308 |
| Cash dividends to net income (ytd only)* | 32.6087% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9032% | 5,434 |
| Loan loss allowance to noncurrent loans | 581.6000% | 877 |
| Noncurrent assets plus other real estate owned to assets | 1.6214% | 1,575 |
| Noncurrent loans to loans | 0.1553% | 5,217 |
| Net loans and leases to total assets | 64.4047% | 3,042 |
| Net loans and leases to deposits | 75.1437% | 3,157 |
| Net loans and leases to core deposits | 78.2610% | 3,351 |
| Total domestic deposits to total assets | 85.7087% | 3,088 |
| Equity capital to assets | 11.2374% | 2,712 |
| Core capital (leverage) ratio | 10.8424% | 2,582 |
| Tier 1 risk-based capital ratio | 17.0577% | 2,458 |
| Total risk-based capital ratio | 17.9994% | 2,530 |
| Memoranda: | ||
| Average total assets | $121,727,500 | 4,156 |
| Average earning assets | $109,060,500 | 4,196 |
| Average equity | $13,781,500 | 4,112 |
| Average total loans | $79,157,500 | 3,924 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3700% | 2,323 |
| Cost of funding earning assets | 0.1943% | 5,792 |
| Net interest margin | 4.1757% | 1,367 |
| Noninterest income to average assets | 1.1563% | 900 |
| Noninterest expense to average assets | 3.2140% | 2,176 |
| Loan and lease loss provision to assets | 0.0428% | 3,710 |
| Net operating income to assets | 1.0342% | 2,244 |
| Return on assets (ROA) | 1.0391% | 2,294 |
| Pretax return on assets | 1.6198% | 1,180 |
| Return on Equity (ROE) | 9.1780% | 2,496 |
| Retained earnings to average equity (ytd only) | 6.0658% | 1,886 |
| Net charge-offs to loans | 0.1107% | 2,933 |
| Credit loss provision to net charge-offs | 64.1026% | 3,201 |
| Earnings coverage of net charge-offs (x) | 24.8077% | 1,516 |
| Efficiency ratio | 66.0109% | 4,246 |
| Assets per employee ($millions) | 3.0669% | 5,608 |
| Cash dividends to net income (ytd only)* | 33.9095% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 5,216 |
| Loan loss allowance to noncurrent loans | 245.4248% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 1.7574% | 1,499 |
| Noncurrent loans to loans | 0.3932% | 4,466 |
| Net loans and leases to total assets | 64.4386% | 3,155 |
| Net loans and leases to deposits | 74.3314% | 3,394 |
| Net loans and leases to core deposits | 75.5919% | 3,758 |
| Total domestic deposits to total assets | 86.6909% | 2,458 |
| Equity capital to assets | 11.4087% | 2,508 |
| Core capital (leverage) ratio | 10.8794% | 2,520 |
| Tier 1 risk-based capital ratio | 17.5003% | 2,316 |
| Total risk-based capital ratio | 18.5149% | 2,355 |
| Memoranda: | ||
| Average total assets | $116,925,000 | 4,242 |
| Average earning assets | $103,958,400 | 4,312 |
| Average equity | $13,238,200 | 4,149 |
| Average total loans | $70,465,600 | 4,172 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3289% | 2,511 |
| Cost of funding earning assets | 0.1950% | 5,873 |
| Net interest margin | 4.1340% | 1,475 |
| Noninterest income to average assets | 1.2237% | 813 |
| Noninterest expense to average assets | 3.1631% | 2,284 |
| Loan and lease loss provision to assets | 0.0287% | 3,833 |
| Net operating income to assets | 1.0918% | 2,065 |
| Return on assets (ROA) | 1.0918% | 2,133 |
| Pretax return on assets | 1.7043% | 1,056 |
| Return on Equity (ROE) | 9.6626% | 2,370 |
| Retained earnings to average equity (ytd only) | 6.7902% | 1,929 |
| Net charge-offs to loans | 0.1243% | 2,565 |
| Credit loss provision to net charge-offs | 39.0625% | 3,301 |
| Earnings coverage of net charge-offs (x) | 23.6098% | 1,580 |
| Efficiency ratio | 64.6053% | 4,445 |
| Assets per employee ($millions) | 3.0827% | 5,628 |
| Cash dividends to net income (ytd only)* | 29.7266% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 5,157 |
| Loan loss allowance to noncurrent loans | 228.3951% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 1.8866% | 1,554 |
| Noncurrent loans to loans | 0.4433% | 4,573 |
| Net loans and leases to total assets | 61.7587% | 3,523 |
| Net loans and leases to deposits | 70.3782% | 3,879 |
| Net loans and leases to core deposits | 71.5914% | 4,192 |
| Total domestic deposits to total assets | 87.7526% | 1,897 |
| Equity capital to assets | 11.5363% | 2,446 |
| Core capital (leverage) ratio | 11.0879% | 2,404 |
| Tier 1 risk-based capital ratio | 18.0174% | 2,203 |
| Total risk-based capital ratio | 19.0575% | 2,236 |
| Memoranda: | ||
| Average total assets | $116,253,750 | 4,296 |
| Average earning assets | $103,271,750 | 4,362 |
| Average equity | $13,136,250 | 4,192 |
| Average total loans | $68,625,500 | 4,253 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2414% | 2,800 |
| Cost of funding earning assets | 0.1964% | 5,942 |
| Net interest margin | 4.0450% | 1,677 |
| Noninterest income to average assets | 1.2591% | 737 |
| Noninterest expense to average assets | 3.0856% | 2,549 |
| Loan and lease loss provision to assets | 0.0172% | 3,916 |
| Net operating income to assets | 1.1159% | 1,874 |
| Return on assets (ROA) | 1.1159% | 1,951 |
| Pretax return on assets | 1.7437% | 941 |
| Return on Equity (ROE) | 9.9459% | 2,173 |
| Retained earnings to average equity (ytd only) | 6.9791% | 1,785 |
| Net charge-offs to loans | 0.1966% | 1,845 |
| Credit loss provision to net charge-offs | 15.1515% | 3,252 |
| Earnings coverage of net charge-offs (x) | 15.4697% | 1,847 |
| Efficiency ratio | 63.6655% | 4,745 |
| Assets per employee ($millions) | 3.1829% | 5,454 |
| Cash dividends to net income (ytd only)* | 29.8300% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 5,207 |
| Loan loss allowance to noncurrent loans | 223.1481% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 1.9654% | 1,634 |
| Noncurrent loans to loans | 0.4619% | 4,613 |
| Net loans and leases to total assets | 60.5847% | 3,621 |
| Net loans and leases to deposits | 69.0839% | 3,929 |
| Net loans and leases to core deposits | 70.6597% | 4,199 |
| Total domestic deposits to total assets | 87.6973% | 2,085 |
| Equity capital to assets | 11.6307% | 2,296 |
| Core capital (leverage) ratio | 10.9957% | 2,432 |
| Tier 1 risk-based capital ratio | 18.0678% | 2,217 |
| Total risk-based capital ratio | 19.1043% | 2,260 |
| Memoranda: | ||
| Average total assets | $115,957,330 | 4,330 |
| Average earning assets | $102,843,000 | 4,393 |
| Average equity | $13,010,330 | 4,220 |
| Average total loans | $67,138,670 | 4,325 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1569% | 3,046 |
| Cost of funding earning assets | 0.1970% | 6,027 |
| Net interest margin | 3.9599% | 1,890 |
| Noninterest income to average assets | 1.0322% | 1,056 |
| Noninterest expense to average assets | 3.1892% | 2,268 |
| Loan and lease loss provision to assets | 0.0343% | 3,364 |
| Net operating income to assets | 0.8607% | 2,849 |
| Return on assets (ROA) | 0.8607% | 2,916 |
| Pretax return on assets | 1.3237% | 2,013 |
| Return on Equity (ROE) | 7.8120% | 3,038 |
| Retained earnings to average equity (ytd only) | 5.0109% | 3,107 |
| Net charge-offs to loans | -0.0122% | 5,125 |
| Credit loss provision to net charge-offs | -500.0000% | 5,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1357% | 3,821 |
| Assets per employee ($millions) | 3.1321% | 5,628 |
| Cash dividends to net income (ytd only)* | 35.8566% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 4,693 |
| Loan loss allowance to noncurrent loans | 131.3953% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 2.0468% | 1,657 |
| Noncurrent loans to loans | 0.9041% | 3,618 |
| Net loans and leases to total assets | 56.7767% | 4,034 |
| Net loans and leases to deposits | 64.4087% | 4,274 |
| Net loans and leases to core deposits | 65.1556% | 4,588 |
| Total domestic deposits to total assets | 88.1507% | 2,142 |
| Equity capital to assets | 11.1943% | 2,530 |
| Core capital (leverage) ratio | 10.6065% | 2,800 |
| Tier 1 risk-based capital ratio | 18.3345% | 2,168 |
| Total risk-based capital ratio | 19.5127% | 2,148 |
| Memoranda: | ||
| Average total assets | $116,643,500 | 4,347 |
| Average earning assets | $103,539,000 | 4,408 |
| Average equity | $12,852,000 | 4,260 |
| Average total loans | $65,636,000 | 4,404 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9972% | 4,089 |
| Cost of funding earning assets | 0.2323% | 6,078 |
| Net interest margin | 3.7649% | 2,785 |
| Noninterest income to average assets | 1.0598% | 1,256 |
| Noninterest expense to average assets | 3.2627% | 2,241 |
| Loan and lease loss provision to assets | 0.1097% | 2,972 |
| Net operating income to assets | 0.6720% | 3,931 |
| Return on assets (ROA) | 0.5545% | 4,610 |
| Pretax return on assets | 0.8247% | 4,054 |
| Return on Equity (ROE) | 4.9492% | 4,652 |
| Retained earnings to average equity (ytd only) | 2.1300% | 4,729 |
| Net charge-offs to loans | 0.0783% | 4,123 |
| Credit loss provision to net charge-offs | 265.9574% | 855 |
| Earnings coverage of net charge-offs (x) | 26.9149% | 1,283 |
| Efficiency ratio | 74.6188% | 3,027 |
| Assets per employee ($millions) | 3.1729% | 5,547 |
| Cash dividends to net income (ytd only)* | 56.9620% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 4,637 |
| Loan loss allowance to noncurrent loans | 131.3659% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 2.0384% | 1,763 |
| Noncurrent loans to loans | 0.9168% | 3,693 |
| Net loans and leases to total assets | 54.4336% | 4,531 |
| Net loans and leases to deposits | 61.4054% | 4,787 |
| Net loans and leases to core deposits | 62.3113% | 5,032 |
| Total domestic deposits to total assets | 88.6463% | 1,832 |
| Equity capital to assets | 10.8443% | 2,766 |
| Core capital (leverage) ratio | 10.6396% | 2,744 |
| Tier 1 risk-based capital ratio | 18.7271% | 2,003 |
| Total risk-based capital ratio | 19.9279% | 1,984 |
| Memoranda: | ||
| Average total assets | $113,985,400 | 4,410 |
| Average earning assets | $100,294,800 | 4,509 |
| Average equity | $12,769,800 | 4,305 |
| Average total loans | $60,054,200 | 4,609 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9554% | 4,297 |
| Cost of funding earning assets | 0.2404% | 6,153 |
| Net interest margin | 3.7150% | 2,973 |
| Noninterest income to average assets | 1.1809% | 1,053 |
| Noninterest expense to average assets | 3.1856% | 2,407 |
| Loan and lease loss provision to assets | 0.0236% | 4,538 |
| Net operating income to assets | 0.8002% | 3,342 |
| Return on assets (ROA) | 0.8002% | 3,476 |
| Pretax return on assets | 1.2316% | 2,578 |
| Return on Equity (ROE) | 7.0841% | 3,597 |
| Retained earnings to average equity (ytd only) | 4.2671% | 3,641 |
| Net charge-offs to loans | 0.0883% | 3,689 |
| Credit loss provision to net charge-offs | 51.2821% | 3,470 |
| Earnings coverage of net charge-offs (x) | 27.3069% | 1,315 |
| Efficiency ratio | 71.7357% | 3,455 |
| Assets per employee ($millions) | 3.0181% | 5,816 |
| Cash dividends to net income (ytd only)* | 39.7643% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 5,373 |
| Loan loss allowance to noncurrent loans | 100.4418% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 1.9610% | 2,069 |
| Noncurrent loans to loans | 1.0834% | 3,628 |
| Net loans and leases to total assets | 54.0531% | 4,606 |
| Net loans and leases to deposits | 61.3525% | 4,827 |
| Net loans and leases to core deposits | 62.2851% | 5,087 |
| Total domestic deposits to total assets | 88.1026% | 2,060 |
| Equity capital to assets | 11.1597% | 2,610 |
| Core capital (leverage) ratio | 10.9347% | 2,545 |
| Tier 1 risk-based capital ratio | 19.3407% | 1,897 |
| Total risk-based capital ratio | 20.4143% | 1,908 |
| Memoranda: | ||
| Average total assets | $113,132,250 | 4,478 |
| Average earning assets | $99,270,500 | 4,576 |
| Average equity | $12,779,500 | 4,351 |
| Average total loans | $58,897,000 | 4,685 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9110% | 4,435 |
| Cost of funding earning assets | 0.2477% | 6,188 |
| Net interest margin | 3.6632% | 3,118 |
| Noninterest income to average assets | 1.1864% | 1,082 |
| Noninterest expense to average assets | 3.2625% | 2,178 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7335% | 3,650 |
| Return on assets (ROA) | 0.7335% | 3,809 |
| Pretax return on assets | 1.1278% | 2,984 |
| Return on Equity (ROE) | 6.4668% | 3,897 |
| Retained earnings to average equity (ytd only) | 3.6483% | 3,987 |
| Net charge-offs to loans | 0.0763% | 3,623 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 28.8636% | 1,178 |
| Efficiency ratio | 74.3123% | 3,073 |
| Assets per employee ($millions) | 3.0154% | 5,824 |
| Cash dividends to net income (ytd only)* | 43.5835% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2140% | 4,912 |
| Loan loss allowance to noncurrent loans | 105.5988% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 2.2345% | 1,933 |
| Noncurrent loans to loans | 1.1497% | 3,630 |
| Net loans and leases to total assets | 49.5214% | 5,160 |
| Net loans and leases to deposits | 56.3275% | 5,298 |
| Net loans and leases to core deposits | 57.2100% | 5,507 |
| Total domestic deposits to total assets | 87.9168% | 2,302 |
| Equity capital to assets | 11.3617% | 2,416 |
| Core capital (leverage) ratio | 10.8212% | 2,535 |
| Tier 1 risk-based capital ratio | 20.4793% | 1,613 |
| Total risk-based capital ratio | 21.6275% | 1,612 |
| Memoranda: | ||
| Average total assets | $112,613,330 | 4,519 |
| Average earning assets | $98,492,000 | 4,637 |
| Average equity | $12,773,000 | 4,380 |
| Average total loans | $57,637,670 | 4,760 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8200% | 4,759 |
| Cost of funding earning assets | 0.2468% | 6,309 |
| Net interest margin | 3.5732% | 3,372 |
| Noninterest income to average assets | 1.2162% | 1,027 |
| Noninterest expense to average assets | 3.2068% | 2,332 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7354% | 3,507 |
| Return on assets (ROA) | 0.7354% | 3,645 |
| Pretax return on assets | 1.1314% | 2,845 |
| Return on Equity (ROE) | 6.4891% | 3,768 |
| Retained earnings to average equity (ytd only) | 3.6813% | 4,017 |
| Net charge-offs to loans | 0.1641% | 2,417 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 13.3333% | 1,533 |
| Efficiency ratio | 73.9201% | 3,276 |
| Assets per employee ($millions) | 2.9779% | 6,028 |
| Cash dividends to net income (ytd only)* | 43.2692% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 5,399 |
| Loan loss allowance to noncurrent loans | 97.6912% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 2.4320% | 1,903 |
| Noncurrent loans to loans | 1.1793% | 3,804 |
| Net loans and leases to total assets | 51.3335% | 4,789 |
| Net loans and leases to deposits | 58.4114% | 4,984 |
| Net loans and leases to core deposits | 59.5626% | 5,190 |
| Total domestic deposits to total assets | 87.8826% | 2,394 |
| Equity capital to assets | 11.3538% | 2,577 |
| Core capital (leverage) ratio | 10.6357% | 2,612 |
| Tier 1 risk-based capital ratio | 19.4471% | 1,922 |
| Total risk-based capital ratio | 20.5447% | 1,930 |
| Memoranda: | ||
| Average total assets | $113,136,000 | 4,549 |
| Average earning assets | $98,848,000 | 4,660 |
| Average equity | $12,821,500 | 4,415 |
| Average total loans | $58,492,000 | 4,758 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4669% | 3,540 |
| Cost of funding earning assets | 0.3481% | 6,226 |
| Net interest margin | 4.1187% | 1,926 |
| Noninterest income to average assets | 1.8039% | 510 |
| Noninterest expense to average assets | 3.4707% | 1,894 |
| Loan and lease loss provision to assets | 0.0361% | 5,436 |
| Net operating income to assets | 1.1620% | 1,724 |
| Return on assets (ROA) | 1.1626% | 1,885 |
| Pretax return on assets | 1.8301% | 871 |
| Return on Equity (ROE) | 10.5024% | 1,969 |
| Retained earnings to average equity (ytd only) | 8.3270% | 1,024 |
| Net charge-offs to loans | 0.3162% | 3,058 |
| Credit loss provision to net charge-offs | 21.9780% | 5,259 |
| Earnings coverage of net charge-offs (x) | 11.3626% | 2,040 |
| Efficiency ratio | 64.5368% | 4,789 |
| Assets per employee ($millions) | 2.7588% | 6,358 |
| Cash dividends to net income (ytd only)* | 20.7137% | 3,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 5,090 |
| Loan loss allowance to noncurrent loans | 176.5743% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 2.1032% | 2,330 |
| Noncurrent loans to loans | 0.6819% | 4,835 |
| Net loans and leases to total assets | 50.8496% | 5,058 |
| Net loans and leases to deposits | 57.7625% | 5,270 |
| Net loans and leases to core deposits | 58.8988% | 5,463 |
| Total domestic deposits to total assets | 88.0322% | 2,219 |
| Equity capital to assets | 11.3118% | 2,619 |
| Core capital (leverage) ratio | 10.7383% | 2,508 |
| Tier 1 risk-based capital ratio | 19.4676% | 1,826 |
| Total risk-based capital ratio | 20.6166% | 1,818 |
| Memoranda: | ||
| Average total assets | $110,869,600 | 4,573 |
| Average earning assets | $95,077,800 | 4,721 |
| Average equity | $12,273,400 | 4,509 |
| Average total loans | $57,559,600 | 4,816 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4544% | 3,808 |
| Cost of funding earning assets | 0.3703% | 6,271 |
| Net interest margin | 4.0842% | 2,149 |
| Noninterest income to average assets | 1.6559% | 554 |
| Noninterest expense to average assets | 3.4363% | 1,908 |
| Loan and lease loss provision to assets | 0.0483% | 5,166 |
| Net operating income to assets | 1.0617% | 2,246 |
| Return on assets (ROA) | 1.0624% | 2,458 |
| Pretax return on assets | 1.6656% | 1,376 |
| Return on Equity (ROE) | 9.6514% | 2,522 |
| Retained earnings to average equity (ytd only) | 8.3338% | 1,475 |
| Net charge-offs to loans | -0.0070% | 6,307 |
| Credit loss provision to net charge-offs | -1,333.3333% | 6,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2676% | 4,403 |
| Assets per employee ($millions) | 2.7828% | 6,377 |
| Cash dividends to net income (ytd only)* | 13.6522% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5491% | 3,734 |
| Loan loss allowance to noncurrent loans | 105.6019% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 4.6877% | 975 |
| Noncurrent loans to loans | 1.4669% | 3,588 |
| Net loans and leases to total assets | 50.5862% | 5,240 |
| Net loans and leases to deposits | 57.5274% | 5,479 |
| Net loans and leases to core deposits | 58.6784% | 5,690 |
| Total domestic deposits to total assets | 87.9340% | 2,082 |
| Equity capital to assets | 11.3347% | 2,901 |
| Core capital (leverage) ratio | 10.7670% | 2,639 |
| Tier 1 risk-based capital ratio | 17.8960% | 2,391 |
| Total risk-based capital ratio | 19.1481% | 2,352 |
| Memoranda: | ||
| Average total assets | $110,309,000 | 4,628 |
| Average earning assets | $94,345,750 | 4,785 |
| Average equity | $12,143,000 | 4,577 |
| Average total loans | $57,395,000 | 4,870 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4216% | 4,101 |
| Cost of funding earning assets | 0.3942% | 6,298 |
| Net interest margin | 4.0274% | 2,392 |
| Noninterest income to average assets | 1.5840% | 591 |
| Noninterest expense to average assets | 3.4153% | 1,993 |
| Loan and lease loss provision to assets | 0.0546% | 4,977 |
| Net operating income to assets | 1.0299% | 2,337 |
| Return on assets (ROA) | 1.0311% | 2,557 |
| Pretax return on assets | 1.5531% | 1,699 |
| Return on Equity (ROE) | 9.4618% | 2,590 |
| Retained earnings to average equity (ytd only) | 8.1268% | 1,594 |
| Net charge-offs to loans | 0.0104% | 5,314 |
| Credit loss provision to net charge-offs | 1,000.0000% | 319 |
| Earnings coverage of net charge-offs (x) | 294.3333% | 147 |
| Efficiency ratio | 67.8377% | 4,157 |
| Assets per employee ($millions) | 2.8688% | 6,286 |
| Cash dividends to net income (ytd only)* | 14.1093% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4869% | 4,073 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 4.9681% | 964 |
| Noncurrent loans to loans | 1.4869% | 3,680 |
| Net loans and leases to total assets | 52.8748% | 4,978 |
| Net loans and leases to deposits | 59.9944% | 5,237 |
| Net loans and leases to core deposits | 61.1794% | 5,478 |
| Total domestic deposits to total assets | 88.1329% | 2,053 |
| Equity capital to assets | 11.2516% | 2,841 |
| Core capital (leverage) ratio | 10.3359% | 3,004 |
| Tier 1 risk-based capital ratio | 16.8463% | 2,742 |
| Total risk-based capital ratio | 18.0967% | 2,696 |
| Memoranda: | ||
| Average total assets | $109,974,330 | 4,671 |
| Average earning assets | $93,856,670 | 4,823 |
| Average equity | $11,985,000 | 4,606 |
| Average total loans | $57,461,670 | 4,891 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3318% | 4,602 |
| Cost of funding earning assets | 0.4208% | 6,312 |
| Net interest margin | 3.9109% | 2,877 |
| Noninterest income to average assets | 1.4522% | 685 |
| Noninterest expense to average assets | 3.4440% | 1,901 |
| Loan and lease loss provision to assets | 0.0362% | 4,930 |
| Net operating income to assets | 0.8728% | 3,039 |
| Return on assets (ROA) | 0.8728% | 3,263 |
| Pretax return on assets | 1.3037% | 2,524 |
| Return on Equity (ROE) | 8.1388% | 3,223 |
| Retained earnings to average equity (ytd only) | 6.7880% | 2,531 |
| Net charge-offs to loans | 0.0562% | 3,938 |
| Credit loss provision to net charge-offs | 125.0000% | 1,908 |
| Earnings coverage of net charge-offs (x) | 46.2500% | 670 |
| Efficiency ratio | 71.9909% | 3,449 |
| Assets per employee ($millions) | 2.9673% | 6,223 |
| Cash dividends to net income (ytd only)* | 16.5975% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4331% | 4,457 |
| Loan loss allowance to noncurrent loans | 179.0254% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 4.5575% | 1,167 |
| Noncurrent loans to loans | 0.8005% | 5,074 |
| Net loans and leases to total assets | 51.5431% | 5,079 |
| Net loans and leases to deposits | 57.9775% | 5,375 |
| Net loans and leases to core deposits | 60.5507% | 5,479 |
| Total domestic deposits to total assets | 88.9019% | 1,762 |
| Equity capital to assets | 10.6307% | 3,346 |
| Core capital (leverage) ratio | 10.1208% | 3,215 |
| Tier 1 risk-based capital ratio | 16.0406% | 3,156 |
| Total risk-based capital ratio | 17.2699% | 3,133 |
| Memoranda: | ||
| Average total assets | $110,453,500 | 4,696 |
| Average earning assets | $94,095,500 | 4,849 |
| Average equity | $11,844,500 | 4,647 |
| Average total loans | $56,936,500 | 4,947 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4917% | 5,108 |
| Cost of funding earning assets | 0.5822% | 6,175 |
| Net interest margin | 3.9094% | 3,293 |
| Noninterest income to average assets | 1.0622% | 1,188 |
| Noninterest expense to average assets | 3.6598% | 1,615 |
| Loan and lease loss provision to assets | 0.3097% | 3,190 |
| Net operating income to assets | 0.2542% | 5,417 |
| Return on assets (ROA) | 0.2542% | 5,557 |
| Pretax return on assets | 0.4197% | 5,231 |
| Return on Equity (ROE) | 2.4312% | 5,495 |
| Retained earnings to average equity (ytd only) | 2.0776% | 4,735 |
| Net charge-offs to loans | 1.0545% | 1,642 |
| Credit loss provision to net charge-offs | 56.1139% | 5,270 |
| Earnings coverage of net charge-offs (x) | 1.3216% | 4,785 |
| Efficiency ratio | 82.4979% | 1,956 |
| Assets per employee ($millions) | 2.7731% | 6,497 |
| Cash dividends to net income (ytd only)* | 14.5455% | 3,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5353% | 3,852 |
| Loan loss allowance to noncurrent loans | 166.2722% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 4.3338% | 1,280 |
| Noncurrent loans to loans | 0.9233% | 4,845 |
| Net loans and leases to total assets | 49.9921% | 5,581 |
| Net loans and leases to deposits | 56.3170% | 5,863 |
| Net loans and leases to core deposits | 58.7017% | 5,954 |
| Total domestic deposits to total assets | 88.7692% | 1,678 |
| Equity capital to assets | 10.8203% | 3,169 |
| Core capital (leverage) ratio | 9.8617% | 3,503 |
| Tier 1 risk-based capital ratio | 15.7655% | 3,177 |
| Total risk-based capital ratio | 17.0092% | 3,144 |
| Memoranda: | ||
| Average total assets | $108,175,000 | 4,685 |
| Average earning assets | $92,059,200 | 4,852 |
| Average equity | $11,311,200 | 4,714 |
| Average total loans | $56,616,800 | 5,002 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4590% | 5,393 |
| Cost of funding earning assets | 0.6134% | 6,225 |
| Net interest margin | 3.8456% | 3,641 |
| Noninterest income to average assets | 1.0451% | 1,233 |
| Noninterest expense to average assets | 3.7184% | 1,458 |
| Loan and lease loss provision to assets | 0.4129% | 2,398 |
| Net operating income to assets | 0.1195% | 5,919 |
| Return on assets (ROA) | 0.1195% | 6,031 |
| Pretax return on assets | 0.1898% | 5,915 |
| Return on Equity (ROE) | 1.1533% | 6,037 |
| Retained earnings to average equity (ytd only) | 1.1533% | 5,554 |
| Net charge-offs to loans | 0.6194% | 2,393 |
| Credit loss provision to net charge-offs | 126.4151% | 2,534 |
| Earnings coverage of net charge-offs (x) | 1.8453% | 4,282 |
| Efficiency ratio | 85.0827% | 1,630 |
| Assets per employee ($millions) | 2.7572% | 6,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0924% | 2,076 |
| Loan loss allowance to noncurrent loans | 109.8131% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 4.9698% | 1,164 |
| Noncurrent loans to loans | 1.9054% | 3,494 |
| Net loans and leases to total assets | 51.1304% | 5,564 |
| Net loans and leases to deposits | 57.6612% | 5,873 |
| Net loans and leases to core deposits | 59.2994% | 6,038 |
| Total domestic deposits to total assets | 88.6738% | 1,648 |
| Equity capital to assets | 10.7422% | 3,428 |
| Core capital (leverage) ratio | 9.8033% | 3,702 |
| Tier 1 risk-based capital ratio | 14.9619% | 3,679 |
| Total risk-based capital ratio | 16.2167% | 3,654 |
| Memoranda: | ||
| Average total assets | $108,181,500 | 4,712 |
| Average earning assets | $92,156,000 | 4,893 |
| Average equity | $11,213,500 | 4,757 |
| Average total loans | $57,043,750 | 5,030 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3367% | 5,885 |
| Cost of funding earning assets | 0.6501% | 6,230 |
| Net interest margin | 3.6866% | 4,328 |
| Noninterest income to average assets | 0.7491% | 2,264 |
| Noninterest expense to average assets | 3.8949% | 1,204 |
| Loan and lease loss provision to assets | 0.6181% | 1,545 |
| Net operating income to assets | -0.3727% | 6,593 |
| Return on assets (ROA) | -0.3727% | 6,624 |
| Pretax return on assets | -0.6144% | 6,716 |
| Return on Equity (ROE) | -3.6393% | 6,635 |
| Retained earnings to average equity (ytd only) | -3.6393% | 6,438 |
| Net charge-offs to loans | 0.7848% | 1,932 |
| Credit loss provision to net charge-offs | 148.8889% | 2,056 |
| Earnings coverage of net charge-offs (x) | 0.0089% | 5,276 |
| Efficiency ratio | 98.8168% | 761 |
| Assets per employee ($millions) | 2.8084% | 6,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1235% | 2,069 |
| Loan loss allowance to noncurrent loans | 81.8182% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 5.6748% | 1,024 |
| Noncurrent loans to loans | 2.5953% | 2,780 |
| Net loans and leases to total assets | 52.4776% | 5,503 |
| Net loans and leases to deposits | 58.9890% | 5,822 |
| Net loans and leases to core deposits | 60.9829% | 6,003 |
| Total domestic deposits to total assets | 88.9616% | 1,555 |
| Equity capital to assets | 10.4846% | 3,526 |
| Core capital (leverage) ratio | 9.1912% | 4,423 |
| Tier 1 risk-based capital ratio | 13.8569% | 4,263 |
| Total risk-based capital ratio | 15.1123% | 4,230 |
| Memoranda: | ||
| Average total assets | $108,399,000 | 4,750 |
| Average earning assets | $92,605,670 | 4,916 |
| Average equity | $11,101,000 | 4,781 |
| Average total loans | $57,340,000 | 5,070 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1204% | 6,465 |
| Cost of funding earning assets | 0.6832% | 6,233 |
| Net interest margin | 3.4372% | 5,280 |
| Noninterest income to average assets | 0.4357% | 4,410 |
| Noninterest expense to average assets | 4.1047% | 916 |
| Loan and lease loss provision to assets | 0.7140% | 1,188 |
| Net operating income to assets | -0.8605% | 6,989 |
| Return on assets (ROA) | -0.8605% | 6,993 |
| Pretax return on assets | -1.4171% | 7,131 |
| Return on Equity (ROE) | -8.5014% | 6,974 |
| Retained earnings to average equity (ytd only) | -8.5014% | 6,782 |
| Net charge-offs to loans | 1.8397% | 705 |
| Credit loss provision to net charge-offs | 73.8636% | 3,283 |
| Earnings coverage of net charge-offs (x) | -0.7273% | 4,855 |
| Efficiency ratio | 119.4833% | 350 |
| Assets per employee ($millions) | 2.7297% | 6,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8312% | 2,918 |
| Loan loss allowance to noncurrent loans | 26.4826% | 6,490 |
| Noncurrent assets plus other real estate owned to assets | 5.4787% | 1,107 |
| Noncurrent loans to loans | 6.9147% | 813 |
| Net loans and leases to total assets | 50.8664% | 5,728 |
| Net loans and leases to deposits | 56.8529% | 6,046 |
| Net loans and leases to core deposits | 58.7155% | 6,197 |
| Total domestic deposits to total assets | 89.4703% | 1,499 |
| Equity capital to assets | 10.0379% | 3,731 |
| Core capital (leverage) ratio | 8.9992% | 4,617 |
| Tier 1 risk-based capital ratio | 13.9921% | 4,075 |
| Total risk-based capital ratio | 15.2449% | 4,054 |
| Memoranda: | ||
| Average total assets | $109,239,500 | 4,757 |
| Average earning assets | $94,263,500 | 4,906 |
| Average equity | $11,057,000 | 4,789 |
| Average total loans | $57,401,000 | 5,116 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4912% | 6,421 |
| Cost of funding earning assets | 1.0232% | 5,575 |
| Net interest margin | 3.4679% | 5,371 |
| Noninterest income to average assets | 1.0175% | 1,449 |
| Noninterest expense to average assets | 3.5822% | 1,970 |
| Loan and lease loss provision to assets | 1.8698% | 733 |
| Net operating income to assets | -0.7417% | 6,545 |
| Return on assets (ROA) | -0.6630% | 6,528 |
| Pretax return on assets | -1.3243% | 6,787 |
| Return on Equity (ROE) | -6.4777% | 6,524 |
| Retained earnings to average equity (ytd only) | -6.5900% | 6,434 |
| Net charge-offs to loans | 2.6131% | 703 |
| Credit loss provision to net charge-offs | 128.1818% | 3,132 |
| Earnings coverage of net charge-offs (x) | 0.2897% | 5,819 |
| Efficiency ratio | 88.4547% | 1,441 |
| Assets per employee ($millions) | 2.6657% | 6,744 |
| Cash dividends to net income (ytd only)* | -1.7333% | 7,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8977% | 2,573 |
| Loan loss allowance to noncurrent loans | 27.4194% | 6,449 |
| Noncurrent assets plus other real estate owned to assets | 6.6088% | 858 |
| Noncurrent loans to loans | 6.9212% | 819 |
| Net loans and leases to total assets | 52.2650% | 5,877 |
| Net loans and leases to deposits | 58.4991% | 6,213 |
| Net loans and leases to core deposits | 60.4325% | 6,361 |
| Total domestic deposits to total assets | 89.3433% | 1,472 |
| Equity capital to assets | 10.2056% | 3,492 |
| Core capital (leverage) ratio | 9.3015% | 4,009 |
| Tier 1 risk-based capital ratio | 14.1261% | 3,786 |
| Total risk-based capital ratio | 15.3793% | 3,742 |
| Memoranda: | ||
| Average total assets | $113,115,600 | 4,634 |
| Average earning assets | $97,435,800 | 4,792 |
| Average equity | $11,578,200 | 4,714 |
| Average total loans | $63,143,600 | 4,947 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5010% | 6,607 |
| Cost of funding earning assets | 1.0944% | 5,450 |
| Net interest margin | 3.4066% | 5,655 |
| Noninterest income to average assets | 0.8825% | 1,864 |
| Noninterest expense to average assets | 3.5194% | 1,993 |
| Loan and lease loss provision to assets | 2.1506% | 527 |
| Net operating income to assets | -0.9660% | 6,886 |
| Return on assets (ROA) | -0.9316% | 6,905 |
| Pretax return on assets | -1.7977% | 7,136 |
| Return on Equity (ROE) | -9.0946% | 6,887 |
| Retained earnings to average equity (ytd only) | -9.2430% | 6,833 |
| Net charge-offs to loans | 3.3885% | 414 |
| Credit loss provision to net charge-offs | 112.4694% | 3,752 |
| Earnings coverage of net charge-offs (x) | 0.1565% | 5,864 |
| Efficiency ratio | 91.1234% | 1,202 |
| Assets per employee ($millions) | 2.5544% | 7,008 |
| Cash dividends to net income (ytd only)* | -1.6308% | 7,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4122% | 4,387 |
| Loan loss allowance to noncurrent loans | 19.3800% | 6,927 |
| Noncurrent assets plus other real estate owned to assets | 7.1296% | 750 |
| Noncurrent loans to loans | 7.2869% | 745 |
| Net loans and leases to total assets | 53.6435% | 5,897 |
| Net loans and leases to deposits | 60.2637% | 6,289 |
| Net loans and leases to core deposits | 62.4580% | 6,415 |
| Total domestic deposits to total assets | 89.0147% | 1,381 |
| Equity capital to assets | 10.3926% | 3,650 |
| Core capital (leverage) ratio | 9.2391% | 4,297 |
| Tier 1 risk-based capital ratio | 13.3729% | 4,295 |
| Total risk-based capital ratio | 14.4848% | 4,370 |
| Memoranda: | ||
| Average total assets | $114,071,250 | 4,672 |
| Average earning assets | $98,315,500 | 4,830 |
| Average equity | $11,684,250 | 4,767 |
| Average total loans | $64,372,750 | 4,965 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3956% | 6,904 |
| Cost of funding earning assets | 1.1720% | 5,277 |
| Net interest margin | 3.2236% | 6,245 |
| Noninterest income to average assets | 0.4572% | 4,461 |
| Noninterest expense to average assets | 3.4360% | 2,177 |
| Loan and lease loss provision to assets | 2.6671% | 404 |
| Net operating income to assets | -1.5483% | 7,165 |
| Return on assets (ROA) | -1.5483% | 7,175 |
| Pretax return on assets | -2.8593% | 7,445 |
| Return on Equity (ROE) | -15.1860% | 7,151 |
| Retained earnings to average equity (ytd only) | -15.4068% | 7,117 |
| Net charge-offs to loans | 1.6872% | 1,106 |
| Credit loss provision to net charge-offs | 276.9784% | 1,343 |
| Earnings coverage of net charge-offs (x) | -0.1996% | 5,873 |
| Efficiency ratio | 104.6983% | 663 |
| Assets per employee ($millions) | 2.8039% | 6,566 |
| Cash dividends to net income (ytd only)* | -1.4541% | 7,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5570% | 1,231 |
| Loan loss allowance to noncurrent loans | 25.5829% | 6,636 |
| Noncurrent assets plus other real estate owned to assets | 8.1959% | 594 |
| Noncurrent loans to loans | 9.9948% | 444 |
| Net loans and leases to total assets | 53.8352% | 6,011 |
| Net loans and leases to deposits | 60.0526% | 6,407 |
| Net loans and leases to core deposits | 62.8372% | 6,487 |
| Total domestic deposits to total assets | 89.6468% | 1,098 |
| Equity capital to assets | 9.8008% | 4,263 |
| Core capital (leverage) ratio | 8.8265% | 4,871 |
| Tier 1 risk-based capital ratio | 12.9761% | 4,469 |
| Total risk-based capital ratio | 14.2369% | 4,417 |
| Memoranda: | ||
| Average total assets | $115,482,330 | 4,669 |
| Average earning assets | $99,826,330 | 4,814 |
| Average equity | $11,774,000 | 4,738 |
| Average total loans | $65,908,670 | 4,944 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4327% | 6,933 |
| Cost of funding earning assets | 1.2364% | 5,197 |
| Net interest margin | 3.1963% | 6,307 |
| Noninterest income to average assets | -0.1521% | 7,778 |
| Noninterest expense to average assets | 3.2866% | 2,569 |
| Loan and lease loss provision to assets | 2.0390% | 541 |
| Net operating income to assets | -1.4549% | 7,316 |
| Return on assets (ROA) | -1.4549% | 7,328 |
| Pretax return on assets | -2.6991% | 7,545 |
| Return on Equity (ROE) | -14.0012% | 7,292 |
| Retained earnings to average equity (ytd only) | -14.4336% | 7,187 |
| Net charge-offs to loans | 1.5319% | 1,135 |
| Credit loss provision to net charge-offs | 229.5720% | 1,662 |
| Earnings coverage of net charge-offs (x) | -0.7432% | 5,340 |
| Efficiency ratio | 123.6842% | 404 |
| Assets per employee ($millions) | 2.8620% | 6,509 |
| Cash dividends to net income (ytd only)* | -3.0879% | 7,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4942% | 3,935 |
| Loan loss allowance to noncurrent loans | 13.8921% | 7,239 |
| Noncurrent assets plus other real estate owned to assets | 8.8846% | 509 |
| Noncurrent loans to loans | 10.7559% | 374 |
| Net loans and leases to total assets | 56.0321% | 5,739 |
| Net loans and leases to deposits | 62.7728% | 6,200 |
| Net loans and leases to core deposits | 67.5474% | 6,144 |
| Total domestic deposits to total assets | 89.2618% | 1,389 |
| Equity capital to assets | 10.3006% | 3,473 |
| Core capital (leverage) ratio | 9.6065% | 3,634 |
| Tier 1 risk-based capital ratio | 13.6440% | 3,898 |
| Total risk-based capital ratio | 14.8683% | 3,877 |
| Memoranda: | ||
| Average total assets | $115,743,500 | 4,728 |
| Average earning assets | $100,616,000 | 4,860 |
| Average equity | $12,027,500 | 4,712 |
| Average total loans | $67,106,500 | 4,960 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2384% | 5,470 |
| Cost of funding earning assets | 1.5924% | 5,056 |
| Net interest margin | 3.6460% | 4,365 |
| Noninterest income to average assets | 0.9200% | 1,867 |
| Noninterest expense to average assets | 3.2285% | 3,281 |
| Loan and lease loss provision to assets | 0.5729% | 3,509 |
| Net operating income to assets | 0.3234% | 4,440 |
| Return on assets (ROA) | 0.3234% | 4,526 |
| Pretax return on assets | 0.3463% | 4,652 |
| Return on Equity (ROE) | 3.1436% | 4,442 |
| Retained earnings to average equity (ytd only) | 2.5825% | 3,336 |
| Net charge-offs to loans | 1.8567% | 1,343 |
| Credit loss provision to net charge-offs | 48.4914% | 6,765 |
| Earnings coverage of net charge-offs (x) | 0.7780% | 5,328 |
| Efficiency ratio | 76.9184% | 3,371 |
| Assets per employee ($millions) | 3.0002% | 6,224 |
| Cash dividends to net income (ytd only)* | 17.8478% | 3,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9263% | 6,720 |
| Loan loss allowance to noncurrent loans | 9.9969% | 7,368 |
| Noncurrent assets plus other real estate owned to assets | 7.0628% | 710 |
| Noncurrent loans to loans | 9.2655% | 473 |
| Net loans and leases to total assets | 58.5045% | 5,578 |
| Net loans and leases to deposits | 65.5894% | 6,104 |
| Net loans and leases to core deposits | 78.0737% | 6,252 |
| Total domestic deposits to total assets | 89.1982% | 1,390 |
| Equity capital to assets | 10.4805% | 3,199 |
| Core capital (leverage) ratio | 9.7704% | 3,368 |
| Tier 1 risk-based capital ratio | 13.8380% | 3,607 |
| Total risk-based capital ratio | 14.6242% | 3,842 |
| Memoranda: | ||
| Average total assets | $117,823,800 | 4,636 |
| Average earning assets | $104,306,400 | 4,718 |
| Average equity | $12,120,000 | 4,717 |
| Average total loans | $74,972,400 | 4,689 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3668% | 5,106 |
| Cost of funding earning assets | 1.6634% | 5,094 |
| Net interest margin | 3.7034% | 4,053 |
| Noninterest income to average assets | 0.9410% | 1,810 |
| Noninterest expense to average assets | 3.2760% | 3,007 |
| Loan and lease loss provision to assets | 0.7060% | 2,612 |
| Net operating income to assets | 0.2621% | 4,942 |
| Return on assets (ROA) | 0.2621% | 5,036 |
| Pretax return on assets | 0.2463% | 5,196 |
| Return on Equity (ROE) | 2.5598% | 4,960 |
| Retained earnings to average equity (ytd only) | 1.8095% | 4,304 |
| Net charge-offs to loans | 0.8895% | 2,182 |
| Credit loss provision to net charge-offs | 122.5490% | 4,133 |
| Earnings coverage of net charge-offs (x) | 1.6529% | 4,552 |
| Efficiency ratio | 76.5696% | 3,409 |
| Assets per employee ($millions) | 2.8515% | 6,526 |
| Cash dividends to net income (ytd only)* | 29.3085% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9643% | 1,881 |
| Loan loss allowance to noncurrent loans | 20.6916% | 7,057 |
| Noncurrent assets plus other real estate owned to assets | 6.9199% | 697 |
| Noncurrent loans to loans | 9.4931% | 437 |
| Net loans and leases to total assets | 62.8406% | 5,099 |
| Net loans and leases to deposits | 71.2242% | 5,773 |
| Net loans and leases to core deposits | 84.5206% | 6,000 |
| Total domestic deposits to total assets | 88.2294% | 1,546 |
| Equity capital to assets | 10.4953% | 3,523 |
| Core capital (leverage) ratio | 9.5274% | 3,876 |
| Tier 1 risk-based capital ratio | 12.9101% | 4,260 |
| Total risk-based capital ratio | 14.1656% | 4,188 |
| Memoranda: | ||
| Average total assets | $118,027,750 | 4,651 |
| Average earning assets | $104,764,750 | 4,746 |
| Average equity | $12,084,250 | 4,769 |
| Average total loans | $76,441,750 | 4,678 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5507% | 4,335 |
| Cost of funding earning assets | 1.7219% | 5,167 |
| Net interest margin | 3.8289% | 3,423 |
| Noninterest income to average assets | 1.2416% | 1,000 |
| Noninterest expense to average assets | 3.4105% | 2,589 |
| Loan and lease loss provision to assets | 0.2956% | 4,198 |
| Net operating income to assets | 0.6622% | 3,417 |
| Return on assets (ROA) | 0.6622% | 3,527 |
| Pretax return on assets | 0.9274% | 3,251 |
| Return on Equity (ROE) | 6.5212% | 3,426 |
| Retained earnings to average equity (ytd only) | 5.7726% | 2,131 |
| Net charge-offs to loans | 0.7668% | 2,142 |
| Credit loss provision to net charge-offs | 59.3220% | 5,603 |
| Earnings coverage of net charge-offs (x) | 2.4542% | 3,843 |
| Efficiency ratio | 72.7670% | 4,256 |
| Assets per employee ($millions) | 2.9975% | 6,135 |
| Cash dividends to net income (ytd only)* | 11.4796% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6186% | 2,667 |
| Loan loss allowance to noncurrent loans | 28.2356% | 6,614 |
| Noncurrent assets plus other real estate owned to assets | 5.1659% | 1,005 |
| Noncurrent loans to loans | 5.7324% | 980 |
| Net loans and leases to total assets | 64.3171% | 4,920 |
| Net loans and leases to deposits | 73.0654% | 5,598 |
| Net loans and leases to core deposits | 86.5992% | 5,844 |
| Total domestic deposits to total assets | 88.0267% | 1,756 |
| Equity capital to assets | 10.4455% | 3,472 |
| Core capital (leverage) ratio | 9.7025% | 3,627 |
| Tier 1 risk-based capital ratio | 11.3328% | 5,565 |
| Total risk-based capital ratio | 12.5759% | 5,469 |
| Memoranda: | ||
| Average total assets | $118,400,330 | 4,677 |
| Average earning assets | $104,887,000 | 4,760 |
| Average equity | $12,022,330 | 4,810 |
| Average total loans | $76,942,670 | 4,701 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5578% | 4,596 |
| Cost of funding earning assets | 1.8261% | 4,995 |
| Net interest margin | 3.7316% | 3,751 |
| Noninterest income to average assets | 1.2086% | 986 |
| Noninterest expense to average assets | 3.4142% | 2,316 |
| Loan and lease loss provision to assets | 0.2518% | 3,959 |
| Net operating income to assets | 0.6211% | 3,934 |
| Return on assets (ROA) | 0.6211% | 4,116 |
| Pretax return on assets | 0.8561% | 3,867 |
| Return on Equity (ROE) | 6.2039% | 3,953 |
| Retained earnings to average equity (ytd only) | 5.4661% | 2,874 |
| Net charge-offs to loans | 1.0052% | 1,338 |
| Credit loss provision to net charge-offs | 38.6598% | 4,836 |
| Earnings coverage of net charge-offs (x) | 1.7010% | 3,879 |
| Efficiency ratio | 74.6845% | 3,705 |
| Assets per employee ($millions) | 2.9519% | 6,279 |
| Cash dividends to net income (ytd only)* | 11.8919% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5976% | 2,530 |
| Loan loss allowance to noncurrent loans | 32.0892% | 6,406 |
| Noncurrent assets plus other real estate owned to assets | 4.5276% | 1,058 |
| Noncurrent loans to loans | 4.9786% | 1,092 |
| Net loans and leases to total assets | 64.5804% | 4,888 |
| Net loans and leases to deposits | 73.7873% | 5,505 |
| Net loans and leases to core deposits | 85.5383% | 5,944 |
| Total domestic deposits to total assets | 87.5224% | 1,959 |
| Equity capital to assets | 10.1994% | 3,768 |
| Core capital (leverage) ratio | 9.3355% | 4,195 |
| Tier 1 risk-based capital ratio | 11.0684% | 5,836 |
| Total risk-based capital ratio | 12.3050% | 5,764 |
| Memoranda: | ||
| Average total assets | $119,149,500 | 4,676 |
| Average earning assets | $105,798,000 | 4,755 |
| Average equity | $11,928,000 | 4,852 |
| Average total loans | $77,201,500 | 4,716 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1903% | 4,567 |
| Cost of funding earning assets | 2.5783% | 3,806 |
| Net interest margin | 3.6120% | 4,830 |
| Noninterest income to average assets | 0.9525% | 1,756 |
| Noninterest expense to average assets | 3.2410% | 3,180 |
| Loan and lease loss provision to assets | 0.7819% | 1,910 |
| Net operating income to assets | 0.2858% | 5,585 |
| Return on assets (ROA) | 0.2858% | 5,400 |
| Pretax return on assets | 0.1875% | 5,760 |
| Return on Equity (ROE) | 2.8443% | 5,288 |
| Retained earnings to average equity (ytd only) | -0.4936% | 5,435 |
| Net charge-offs to loans | 0.2272% | 3,965 |
| Credit loss provision to net charge-offs | 522.4719% | 834 |
| Earnings coverage of net charge-offs (x) | 6.4775% | 3,352 |
| Efficiency ratio | 76.0783% | 3,227 |
| Assets per employee ($millions) | 3.0056% | 6,048 |
| Cash dividends to net income (ytd only)* | 117.3529% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7644% | 1,722 |
| Loan loss allowance to noncurrent loans | 38.7272% | 6,139 |
| Noncurrent assets plus other real estate owned to assets | 4.0242% | 1,017 |
| Noncurrent loans to loans | 4.5559% | 1,042 |
| Net loans and leases to total assets | 62.8449% | 5,486 |
| Net loans and leases to deposits | 72.4238% | 6,004 |
| Net loans and leases to core deposits | 85.3775% | 6,177 |
| Total domestic deposits to total assets | 86.7737% | 2,052 |
| Equity capital to assets | 9.8259% | 4,256 |
| Core capital (leverage) ratio | 9.3813% | 4,183 |
| Tier 1 risk-based capital ratio | 10.8172% | 5,891 |
| Total risk-based capital ratio | 12.0679% | 5,799 |
| Memoranda: | ||
| Average total assets | $118,946,600 | 4,551 |
| Average earning assets | $107,281,200 | 4,586 |
| Average equity | $11,953,600 | 4,840 |
| Average total loans | $78,348,200 | 4,580 |