Home > Bank of Belle Glade > Performance and Condition Ratios
Bank of Belle Glade, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5234% | 3,052 |
| Cost of funding earning assets | 0.9423% | 3,432 |
| Net interest margin | 3.5811% | 2,004 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.2656% | 2,942 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0574% | 2,049 |
| Return on assets (ROA) | 1.0574% | 2,011 |
| Pretax return on assets | 1.4165% | 1,599 |
| Return on Equity (ROE) | 16.0200% | 1,092 |
| Retained earnings to average equity (ytd only) | 14.3991% | 367 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.5305% | 2,904 |
| Assets per employee ($millions) | 8.8205% | 1,051 |
| Cash dividends to net income (ytd only)* | 10.1003% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7131% | 4,104 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 42.0900% | 3,962 |
| Net loans and leases to deposits | 45.4661% | 4,065 |
| Net loans and leases to core deposits | 47.0669% | 4,141 |
| Total domestic deposits to total assets | 92.5800% | 220 |
| Equity capital to assets | 7.2482% | 3,844 |
| Core capital (leverage) ratio | 10.2504% | 2,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $132,017,600 | 3,533 |
| Average earning assets | $126,386,400 | 3,476 |
| Average equity | $8,715,800 | 3,853 |
| Average total loans | $50,635,200 | 3,837 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5580% | 2,782 |
| Cost of funding earning assets | 0.8764% | 3,329 |
| Net interest margin | 3.6816% | 1,816 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.1261% | 3,280 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2237% | 1,725 |
| Return on assets (ROA) | 1.2237% | 1,720 |
| Pretax return on assets | 1.6390% | 1,287 |
| Return on Equity (ROE) | 19.0000% | 822 |
| Retained earnings to average equity (ytd only) | 19.0018% | 298 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.4681% | 3,360 |
| Assets per employee ($millions) | 8.0641% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7334% | 4,094 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 44.7600% | 3,884 |
| Net loans and leases to deposits | 48.2743% | 3,994 |
| Net loans and leases to core deposits | 51.1101% | 4,008 |
| Total domestic deposits to total assets | 92.7200% | 348 |
| Equity capital to assets | 7.0403% | 3,590 |
| Core capital (leverage) ratio | 9.7697% | 3,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $131,945,000 | 3,541 |
| Average earning assets | $125,811,500 | 3,496 |
| Average equity | $8,497,250 | 3,884 |
| Average total loans | $49,271,250 | 3,860 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4586% | 2,747 |
| Cost of funding earning assets | 0.7252% | 3,414 |
| Net interest margin | 3.7334% | 1,750 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.0147% | 3,558 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3288% | 1,496 |
| Return on assets (ROA) | 1.3288% | 1,480 |
| Pretax return on assets | 1.7787% | 1,052 |
| Return on Equity (ROE) | 21.2200% | 603 |
| Retained earnings to average equity (ytd only) | 21.2225% | 213 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.1104% | 3,686 |
| Assets per employee ($millions) | 8.6552% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7789% | 4,063 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 39.2500% | 4,065 |
| Net loans and leases to deposits | 42.2524% | 4,154 |
| Net loans and leases to core deposits | 44.2047% | 4,170 |
| Total domestic deposits to total assets | 92.8900% | 266 |
| Equity capital to assets | 6.9014% | 3,847 |
| Core capital (leverage) ratio | 8.7614% | 3,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8670% | 436 |
| Memoranda: | ||
| Average total assets | $135,606,333 | 3,510 |
| Average earning assets | $128,783,667 | 3,476 |
| Average equity | $8,491,000 | 3,904 |
| Average total loans | $47,513,667 | 3,892 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1334% | 3,177 |
| Cost of funding earning assets | 0.5790% | 3,447 |
| Net interest margin | 3.5544% | 2,235 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 1.8109% | 4,010 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3228% | 1,614 |
| Return on assets (ROA) | 1.3228% | 1,579 |
| Pretax return on assets | 1.7705% | 1,128 |
| Return on Equity (ROE) | 22.1900% | 570 |
| Retained earnings to average equity (ytd only) | 22.1886% | 279 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.5645% | 3,890 |
| Assets per employee ($millions) | 8.9947% | 936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8505% | 3,988 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 34.5600% | 4,249 |
| Net loans and leases to deposits | 37.0428% | 4,293 |
| Net loans and leases to core deposits | 38.5501% | 4,305 |
| Total domestic deposits to total assets | 93.3000% | 256 |
| Equity capital to assets | 6.3504% | 4,083 |
| Core capital (leverage) ratio | 8.6912% | 3,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2229% | 491 |
| Memoranda: | ||
| Average total assets | $138,495,500 | 3,532 |
| Average earning assets | $129,869,000 | 3,507 |
| Average equity | $8,256,500 | 3,975 |
| Average total loans | $45,594,000 | 3,966 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6259% | 4,446 |
| Cost of funding earning assets | 0.1819% | 3,893 |
| Net interest margin | 2.4440% | 4,328 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 1.6505% | 4,246 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6818% | 3,668 |
| Return on assets (ROA) | 0.6818% | 3,621 |
| Pretax return on assets | 0.9065% | 3,340 |
| Return on Equity (ROE) | 11.6200% | 2,270 |
| Retained earnings to average equity (ytd only) | 9.9520% | 1,170 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.5497% | 2,425 |
| Assets per employee ($millions) | 10.1479% | 646 |
| Cash dividends to net income (ytd only)* | 14.3737% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9059% | 3,745 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 30.8000% | 4,371 |
| Net loans and leases to deposits | 32.6964% | 4,420 |
| Net loans and leases to core deposits | 33.9446% | 4,418 |
| Total domestic deposits to total assets | 94.2000% | 221 |
| Equity capital to assets | 5.5923% | 4,213 |
| Core capital (leverage) ratio | 8.3718% | 4,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9219% | 425 |
| Memoranda: | ||
| Average total assets | $142,865,000 | 3,513 |
| Average earning assets | $134,657,600 | 3,477 |
| Average equity | $8,380,200 | 4,060 |
| Average total loans | $37,314,800 | 4,115 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2460% | 4,555 |
| Cost of funding earning assets | 0.1388% | 3,951 |
| Net interest margin | 2.1073% | 4,511 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 1.5750% | 4,328 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5023% | 4,068 |
| Return on assets (ROA) | 0.5023% | 4,016 |
| Pretax return on assets | 0.6645% | 3,871 |
| Return on Equity (ROE) | 8.4700% | 3,180 |
| Retained earnings to average equity (ytd only) | 8.4656% | 1,828 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.3288% | 1,722 |
| Assets per employee ($millions) | 9.3795% | 784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9879% | 3,543 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 30.5300% | 4,408 |
| Net loans and leases to deposits | 32.3322% | 4,456 |
| Net loans and leases to core deposits | 33.8564% | 4,445 |
| Total domestic deposits to total assets | 94.4200% | 302 |
| Equity capital to assets | 5.3270% | 4,183 |
| Core capital (leverage) ratio | 7.7325% | 4,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6145% | 404 |
| Memoranda: | ||
| Average total assets | $143,063,750 | 3,532 |
| Average earning assets | $134,516,000 | 3,498 |
| Average equity | $8,489,000 | 4,095 |
| Average total loans | $35,604,250 | 4,163 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8577% | 4,656 |
| Cost of funding earning assets | 0.1346% | 3,781 |
| Net interest margin | 1.7231% | 4,649 |
| Noninterest income to average assets | 0.2517% | 3,659 |
| Noninterest expense to average assets | 1.4750% | 4,448 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3062% | 4,278 |
| Return on assets (ROA) | 0.3062% | 4,228 |
| Pretax return on assets | 0.3973% | 4,164 |
| Return on Equity (ROE) | 5.0072% | 3,817 |
| Retained earnings to average equity (ytd only) | 5.0072% | 2,708 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7791% | 1,036 |
| Assets per employee ($millions) | 11.0239% | 490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 2,871 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 21.9906% | 4,631 |
| Net loans and leases to deposits | 23.2184% | 4,653 |
| Net loans and leases to core deposits | 24.1399% | 4,645 |
| Total domestic deposits to total assets | 94.7121% | 173 |
| Equity capital to assets | 5.1395% | 4,448 |
| Core capital (leverage) ratio | 7.5243% | 4,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6071% | 302 |
| Memoranda: | ||
| Average total assets | $146,980,667 | 3,531 |
| Average earning assets | $138,236,333 | 3,509 |
| Average equity | $8,987,000 | 4,106 |
| Average total loans | $33,976,000 | 4,244 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7202% | 4,678 |
| Cost of funding earning assets | 0.1404% | 3,623 |
| Net interest margin | 1.5799% | 4,677 |
| Noninterest income to average assets | 0.2624% | 3,556 |
| Noninterest expense to average assets | 1.4570% | 4,474 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2121% | 4,310 |
| Return on assets (ROA) | 0.2121% | 4,277 |
| Pretax return on assets | 0.2819% | 4,211 |
| Return on Equity (ROE) | 3.1951% | 4,047 |
| Retained earnings to average equity (ytd only) | 3.1951% | 3,196 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7881% | 866 |
| Assets per employee ($millions) | 10.2914% | 632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 2,726 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 22.3556% | 4,639 |
| Net loans and leases to deposits | 23.8248% | 4,665 |
| Net loans and leases to core deposits | 24.8006% | 4,658 |
| Total domestic deposits to total assets | 93.8333% | 129 |
| Equity capital to assets | 6.0300% | 4,578 |
| Core capital (leverage) ratio | 7.0623% | 4,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9751% | 298 |
| Memoranda: | ||
| Average total assets | $143,304,000 | 3,585 |
| Average earning assets | $133,934,500 | 3,580 |
| Average equity | $9,514,500 | 4,110 |
| Average total loans | $33,794,500 | 4,267 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8309% | 4,711 |
| Cost of funding earning assets | 0.1836% | 3,614 |
| Net interest margin | 1.6474% | 4,700 |
| Noninterest income to average assets | 0.2147% | 4,083 |
| Noninterest expense to average assets | 1.5806% | 4,446 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1244% | 4,606 |
| Return on assets (ROA) | 0.1539% | 4,589 |
| Pretax return on assets | 0.1971% | 4,575 |
| Return on Equity (ROE) | 2.0039% | 4,499 |
| Retained earnings to average equity (ytd only) | 1.5459% | 4,106 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8211% | 304 |
| Assets per employee ($millions) | 10.9637% | 515 |
| Cash dividends to net income (ytd only)* | 22.8571% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 3,158 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 24.2612% | 4,659 |
| Net loans and leases to deposits | 26.1861% | 4,688 |
| Net loans and leases to core deposits | 27.2849% | 4,681 |
| Total domestic deposits to total assets | 92.6492% | 76 |
| Equity capital to assets | 7.2554% | 4,663 |
| Core capital (leverage) ratio | 7.5412% | 4,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2644% | 339 |
| Memoranda: | ||
| Average total assets | $136,467,000 | 3,616 |
| Average earning assets | $126,382,800 | 3,614 |
| Average equity | $10,479,400 | 4,084 |
| Average total loans | $37,978,800 | 4,232 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8154% | 4,792 |
| Cost of funding earning assets | 0.1924% | 3,696 |
| Net interest margin | 1.6229% | 4,789 |
| Noninterest income to average assets | 0.2164% | 4,101 |
| Noninterest expense to average assets | 1.5739% | 4,501 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1054% | 4,694 |
| Return on assets (ROA) | 0.1452% | 4,689 |
| Pretax return on assets | 0.1927% | 4,670 |
| Return on Equity (ROE) | 1.8641% | 4,612 |
| Retained earnings to average equity (ytd only) | 1.8641% | 4,229 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7098% | 282 |
| Assets per employee ($millions) | 9.6336% | 732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 3,177 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 25.3079% | 4,723 |
| Net loans and leases to deposits | 27.5007% | 4,746 |
| Net loans and leases to core deposits | 28.9803% | 4,743 |
| Total domestic deposits to total assets | 92.0265% | 120 |
| Equity capital to assets | 7.7815% | 4,623 |
| Core capital (leverage) ratio | 7.7099% | 4,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1936% | 329 |
| Memoranda: | ||
| Average total assets | $134,951,750 | 3,669 |
| Average earning assets | $124,710,250 | 3,667 |
| Average equity | $10,514,000 | 4,137 |
| Average total loans | $38,728,750 | 4,280 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7694% | 4,842 |
| Cost of funding earning assets | 0.1975% | 3,780 |
| Net interest margin | 1.5719% | 4,836 |
| Noninterest income to average assets | 0.2223% | 4,072 |
| Noninterest expense to average assets | 1.5677% | 4,550 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0855% | 4,727 |
| Return on assets (ROA) | 0.1452% | 4,690 |
| Pretax return on assets | 0.1926% | 4,677 |
| Return on Equity (ROE) | 1.8631% | 4,609 |
| Retained earnings to average equity (ytd only) | 1.8631% | 4,148 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0519% | 270 |
| Assets per employee ($millions) | 9.9270% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1010% | 3,412 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 25.8530% | 4,752 |
| Net loans and leases to deposits | 28.0193% | 4,781 |
| Net loans and leases to core deposits | 29.4716% | 4,783 |
| Total domestic deposits to total assets | 92.2686% | 83 |
| Equity capital to assets | 7.5292% | 4,729 |
| Core capital (leverage) ratio | 7.6993% | 4,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5726% | 317 |
| Memoranda: | ||
| Average total assets | $134,978,667 | 3,686 |
| Average earning assets | $125,579,333 | 3,669 |
| Average equity | $10,520,333 | 4,151 |
| Average total loans | $40,127,333 | 4,273 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7564% | 4,875 |
| Cost of funding earning assets | 0.2175% | 3,749 |
| Net interest margin | 1.5388% | 4,866 |
| Noninterest income to average assets | 0.2436% | 3,936 |
| Noninterest expense to average assets | 1.5822% | 4,564 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0773% | 4,729 |
| Return on assets (ROA) | 0.1985% | 4,663 |
| Pretax return on assets | 0.2617% | 4,635 |
| Return on Equity (ROE) | 2.5027% | 4,553 |
| Retained earnings to average equity (ytd only) | 2.5027% | 3,917 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5943% | 291 |
| Assets per employee ($millions) | 9.5791% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9464% | 4,029 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 31.2169% | 4,660 |
| Net loans and leases to deposits | 33.9381% | 4,728 |
| Net loans and leases to core deposits | 35.5814% | 4,729 |
| Total domestic deposits to total assets | 91.9818% | 151 |
| Equity capital to assets | 7.7833% | 4,602 |
| Core capital (leverage) ratio | 7.9367% | 4,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5521% | 475 |
| Memoranda: | ||
| Average total assets | $132,979,000 | 3,707 |
| Average earning assets | $125,031,000 | 3,678 |
| Average equity | $10,548,500 | 4,162 |
| Average total loans | $42,026,000 | 4,257 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4899% | 4,845 |
| Cost of funding earning assets | 0.3255% | 4,002 |
| Net interest margin | 2.1644% | 4,778 |
| Noninterest income to average assets | 0.2694% | 3,865 |
| Noninterest expense to average assets | 1.7177% | 4,599 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4341% | 4,172 |
| Return on assets (ROA) | 0.4761% | 4,163 |
| Pretax return on assets | 0.6313% | 4,016 |
| Return on Equity (ROE) | 5.6567% | 3,690 |
| Retained earnings to average equity (ytd only) | 4.3094% | 2,646 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8161% | 1,353 |
| Assets per employee ($millions) | 8.7901% | 801 |
| Cash dividends to net income (ytd only)* | 23.8176% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 4,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 31.3900% | 4,722 |
| Net loans and leases to deposits | 34.2318% | 4,779 |
| Net loans and leases to core deposits | 35.9237% | 4,779 |
| Total domestic deposits to total assets | 91.6982% | 103 |
| Equity capital to assets | 8.0841% | 4,669 |
| Core capital (leverage) ratio | 8.2991% | 4,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4391% | 476 |
| Memoranda: | ||
| Average total assets | $124,352,400 | 3,693 |
| Average earning assets | $116,432,000 | 3,676 |
| Average equity | $10,465,400 | 4,156 |
| Average total loans | $38,290,800 | 4,346 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5729% | 4,892 |
| Cost of funding earning assets | 0.3496% | 4,057 |
| Net interest margin | 2.2233% | 4,809 |
| Noninterest income to average assets | 0.2907% | 3,746 |
| Noninterest expense to average assets | 1.7287% | 4,588 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4799% | 4,085 |
| Return on assets (ROA) | 0.5367% | 4,029 |
| Pretax return on assets | 0.7109% | 3,879 |
| Return on Equity (ROE) | 6.3100% | 3,446 |
| Retained earnings to average equity (ytd only) | 6.3100% | 1,970 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0115% | 1,521 |
| Assets per employee ($millions) | 8.4273% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9623% | 3,841 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 32.5670% | 4,775 |
| Net loans and leases to deposits | 35.7095% | 4,826 |
| Net loans and leases to core deposits | 37.7418% | 4,824 |
| Total domestic deposits to total assets | 91.2001% | 137 |
| Equity capital to assets | 8.4542% | 4,485 |
| Core capital (leverage) ratio | 7.8366% | 4,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9892% | 514 |
| Memoranda: | ||
| Average total assets | $122,477,750 | 3,707 |
| Average earning assets | $114,422,000 | 3,688 |
| Average equity | $10,417,000 | 4,168 |
| Average total loans | $37,416,500 | 4,388 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5057% | 4,961 |
| Cost of funding earning assets | 0.3653% | 4,197 |
| Net interest margin | 2.1405% | 4,904 |
| Noninterest income to average assets | 0.3351% | 3,462 |
| Noninterest expense to average assets | 1.7480% | 4,630 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4405% | 4,144 |
| Return on assets (ROA) | 0.5265% | 4,027 |
| Pretax return on assets | 0.6982% | 3,875 |
| Return on Equity (ROE) | 6.1780% | 3,448 |
| Retained earnings to average equity (ytd only) | 6.1780% | 2,001 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7881% | 1,391 |
| Assets per employee ($millions) | 8.7579% | 735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9604% | 3,754 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 29.4383% | 4,867 |
| Net loans and leases to deposits | 32.0645% | 4,912 |
| Net loans and leases to core deposits | 34.1050% | 4,902 |
| Total domestic deposits to total assets | 91.8096% | 62 |
| Equity capital to assets | 7.5374% | 4,867 |
| Core capital (leverage) ratio | 8.2005% | 4,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6980% | 525 |
| Memoranda: | ||
| Average total assets | $121,167,000 | 3,710 |
| Average earning assets | $113,339,667 | 3,684 |
| Average equity | $10,327,000 | 4,183 |
| Average total loans | $36,032,667 | 4,427 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8389% | 4,993 |
| Cost of funding earning assets | 0.4115% | 4,321 |
| Net interest margin | 2.4273% | 4,861 |
| Noninterest income to average assets | 0.4011% | 3,089 |
| Noninterest expense to average assets | 1.9161% | 4,520 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5768% | 3,668 |
| Return on assets (ROA) | 0.5909% | 3,677 |
| Pretax return on assets | 0.7843% | 3,450 |
| Return on Equity (ROE) | 6.4646% | 3,145 |
| Retained earnings to average equity (ytd only) | 6.4646% | 1,725 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4286% | 2,166 |
| Assets per employee ($millions) | 6.8724% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 2,356 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 28.5782% | 4,926 |
| Net loans and leases to deposits | 31.9256% | 4,954 |
| Net loans and leases to core deposits | 34.8042% | 4,936 |
| Total domestic deposits to total assets | 89.5151% | 464 |
| Equity capital to assets | 9.5873% | 4,143 |
| Core capital (leverage) ratio | 9.3313% | 4,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,687,000 | 3,819 |
| Average earning assets | $104,971,500 | 3,802 |
| Average equity | $10,209,500 | 4,214 |
| Average total loans | $33,223,500 | 4,527 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3343% | 4,951 |
| Cost of funding earning assets | 0.4039% | 4,433 |
| Net interest margin | 2.9304% | 4,621 |
| Noninterest income to average assets | 0.3712% | 3,479 |
| Noninterest expense to average assets | 2.0457% | 4,454 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8047% | 3,538 |
| Return on assets (ROA) | 0.8047% | 3,625 |
| Pretax return on assets | 1.0663% | 3,278 |
| Return on Equity (ROE) | 8.9777% | 2,768 |
| Retained earnings to average equity (ytd only) | 7.5341% | 1,151 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7360% | 2,814 |
| Assets per employee ($millions) | 7.5611% | 841 |
| Cash dividends to net income (ytd only)* | 16.0798% | 3,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 2,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 30.1748% | 4,965 |
| Net loans and leases to deposits | 33.0970% | 5,007 |
| Net loans and leases to core deposits | 36.0724% | 4,991 |
| Total domestic deposits to total assets | 91.1706% | 97 |
| Equity capital to assets | 8.7086% | 4,822 |
| Core capital (leverage) ratio | 9.4608% | 4,099 |
| Tier 1 risk-based capital ratio | 26.0538% | 672 |
| Total risk-based capital ratio | 27.1056% | 672 |
| Memoranda: | ||
| Average total assets | $105,882,400 | 3,900 |
| Average earning assets | $99,032,400 | 3,890 |
| Average equity | $9,490,200 | 4,306 |
| Average total loans | $35,586,400 | 4,515 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4496% | 4,986 |
| Cost of funding earning assets | 0.4033% | 4,493 |
| Net interest margin | 3.0462% | 4,567 |
| Noninterest income to average assets | 0.3564% | 3,593 |
| Noninterest expense to average assets | 2.0436% | 4,466 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8590% | 3,487 |
| Return on assets (ROA) | 0.8590% | 3,562 |
| Pretax return on assets | 1.1500% | 3,130 |
| Return on Equity (ROE) | 9.5099% | 2,666 |
| Retained earnings to average equity (ytd only) | 9.5099% | 891 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9904% | 3,007 |
| Assets per employee ($millions) | 6.2079% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 2,885 |
| Loan loss allowance to noncurrent loans | 294.1176% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 4,044 |
| Noncurrent loans to loans | 0.3834% | 3,180 |
| Net loans and leases to total assets | 35.3116% | 4,961 |
| Net loans and leases to deposits | 39.3211% | 5,013 |
| Net loans and leases to core deposits | 43.2068% | 4,976 |
| Total domestic deposits to total assets | 89.8034% | 338 |
| Equity capital to assets | 9.9288% | 4,093 |
| Core capital (leverage) ratio | 9.7005% | 3,971 |
| Tier 1 risk-based capital ratio | 26.3866% | 683 |
| Total risk-based capital ratio | 27.4569% | 681 |
| Memoranda: | ||
| Average total assets | $103,999,000 | 3,976 |
| Average earning assets | $96,860,000 | 3,965 |
| Average equity | $9,393,500 | 4,367 |
| Average total loans | $35,827,250 | 4,567 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4178% | 5,070 |
| Cost of funding earning assets | 0.3741% | 4,604 |
| Net interest margin | 3.0437% | 4,614 |
| Noninterest income to average assets | 0.3808% | 3,396 |
| Noninterest expense to average assets | 2.0065% | 4,592 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9038% | 3,265 |
| Return on assets (ROA) | 0.9038% | 3,333 |
| Pretax return on assets | 1.2107% | 2,877 |
| Return on Equity (ROE) | 10.3277% | 2,243 |
| Retained earnings to average equity (ytd only) | 10.3277% | 668 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3675% | 3,373 |
| Assets per employee ($millions) | 6.0914% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 3,000 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 34.2936% | 5,023 |
| Net loans and leases to deposits | 37.9337% | 5,078 |
| Net loans and leases to core deposits | 41.4855% | 5,053 |
| Total domestic deposits to total assets | 90.4039% | 211 |
| Equity capital to assets | 9.3092% | 4,569 |
| Core capital (leverage) ratio | 9.2742% | 4,385 |
| Tier 1 risk-based capital ratio | 25.1725% | 743 |
| Total risk-based capital ratio | 26.2137% | 742 |
| Memoranda: | ||
| Average total assets | $105,556,330 | 3,965 |
| Average earning assets | $98,367,000 | 3,964 |
| Average equity | $9,237,330 | 4,406 |
| Average total loans | $35,945,000 | 4,593 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3426% | 5,155 |
| Cost of funding earning assets | 0.3561% | 4,660 |
| Net interest margin | 2.9864% | 4,773 |
| Noninterest income to average assets | 0.3866% | 3,279 |
| Noninterest expense to average assets | 2.0158% | 4,611 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8521% | 3,444 |
| Return on assets (ROA) | 0.8521% | 3,486 |
| Pretax return on assets | 1.1412% | 3,005 |
| Return on Equity (ROE) | 10.0487% | 2,350 |
| Retained earnings to average equity (ytd only) | 10.0487% | 1,026 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8526% | 3,260 |
| Assets per employee ($millions) | 6.1542% | 1,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 2,939 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 33.2903% | 5,090 |
| Net loans and leases to deposits | 36.6301% | 5,138 |
| Net loans and leases to core deposits | 38.4838% | 5,130 |
| Total domestic deposits to total assets | 90.8824% | 195 |
| Equity capital to assets | 8.8452% | 4,787 |
| Core capital (leverage) ratio | 9.2613% | 4,394 |
| Tier 1 risk-based capital ratio | 25.2764% | 741 |
| Total risk-based capital ratio | 26.3497% | 737 |
| Memoranda: | ||
| Average total assets | $106,558,000 | 3,991 |
| Average earning assets | $98,846,500 | 3,987 |
| Average equity | $9,036,000 | 4,461 |
| Average total loans | $35,961,500 | 4,639 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9644% | 5,243 |
| Cost of funding earning assets | 0.2394% | 4,856 |
| Net interest margin | 2.7250% | 5,078 |
| Noninterest income to average assets | 0.3493% | 3,771 |
| Noninterest expense to average assets | 1.9274% | 4,854 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7087% | 4,115 |
| Return on assets (ROA) | 0.7087% | 4,119 |
| Pretax return on assets | 0.9493% | 3,761 |
| Return on Equity (ROE) | 9.0178% | 2,985 |
| Retained earnings to average equity (ytd only) | 7.6350% | 1,402 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0003% | 2,712 |
| Assets per employee ($millions) | 6.7809% | 1,077 |
| Cash dividends to net income (ytd only)* | 15.3342% | 3,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 3,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 33.4525% | 5,132 |
| Net loans and leases to deposits | 36.4625% | 5,187 |
| Net loans and leases to core deposits | 38.0197% | 5,187 |
| Total domestic deposits to total assets | 91.7452% | 92 |
| Equity capital to assets | 8.1276% | 5,117 |
| Core capital (leverage) ratio | 8.9490% | 4,696 |
| Tier 1 risk-based capital ratio | 23.7104% | 846 |
| Total risk-based capital ratio | 24.7421% | 841 |
| Memoranda: | ||
| Average total assets | $107,659,200 | 3,973 |
| Average earning assets | $99,851,800 | 3,979 |
| Average equity | $8,461,000 | 4,535 |
| Average total loans | $32,038,800 | 4,770 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8849% | 5,333 |
| Cost of funding earning assets | 0.2406% | 4,842 |
| Net interest margin | 2.6443% | 5,202 |
| Noninterest income to average assets | 0.3412% | 3,864 |
| Noninterest expense to average assets | 1.8886% | 4,922 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6775% | 4,297 |
| Return on assets (ROA) | 0.6775% | 4,309 |
| Pretax return on assets | 0.9071% | 3,999 |
| Return on Equity (ROE) | 8.6957% | 3,244 |
| Retained earnings to average equity (ytd only) | 8.6957% | 1,348 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5544% | 2,618 |
| Assets per employee ($millions) | 6.2929% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3301% | 1,963 |
| Loan loss allowance to noncurrent loans | 512.8205% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 4,545 |
| Noncurrent loans to loans | 0.2594% | 3,760 |
| Net loans and leases to total assets | 29.4698% | 5,285 |
| Net loans and leases to deposits | 32.2767% | 5,323 |
| Net loans and leases to core deposits | 32.3803% | 5,332 |
| Total domestic deposits to total assets | 91.3037% | 166 |
| Equity capital to assets | 8.4709% | 4,943 |
| Core capital (leverage) ratio | 7.5550% | 5,387 |
| Tier 1 risk-based capital ratio | 28.6515% | 536 |
| Total risk-based capital ratio | 29.9045% | 528 |
| Memoranda: | ||
| Average total assets | $107,450,500 | 4,021 |
| Average earning assets | $99,734,250 | 4,020 |
| Average equity | $8,371,750 | 4,596 |
| Average total loans | $30,875,000 | 4,848 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7527% | 5,420 |
| Cost of funding earning assets | 0.2374% | 4,818 |
| Net interest margin | 2.5153% | 5,333 |
| Noninterest income to average assets | 0.3282% | 3,999 |
| Noninterest expense to average assets | 1.8413% | 5,045 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6162% | 4,443 |
| Return on assets (ROA) | 0.6162% | 4,449 |
| Pretax return on assets | 0.8240% | 4,183 |
| Return on Equity (ROE) | 8.1257% | 3,446 |
| Retained earnings to average equity (ytd only) | 8.1257% | 1,571 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0834% | 2,469 |
| Assets per employee ($millions) | 6.4151% | 1,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3464% | 1,962 |
| Loan loss allowance to noncurrent loans | 317.4603% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.1256% | 4,373 |
| Noncurrent loans to loans | 0.4241% | 3,179 |
| Net loans and leases to total assets | 26.8740% | 5,374 |
| Net loans and leases to deposits | 29.1587% | 5,404 |
| Net loans and leases to core deposits | 29.8489% | 5,405 |
| Total domestic deposits to total assets | 92.1646% | 74 |
| Equity capital to assets | 7.7033% | 5,319 |
| Core capital (leverage) ratio | 7.2277% | 5,463 |
| Tier 1 risk-based capital ratio | 19.3656% | 1,463 |
| Total risk-based capital ratio | 20.3646% | 1,487 |
| Memoranda: | ||
| Average total assets | $109,705,330 | 4,023 |
| Average earning assets | $101,937,000 | 4,017 |
| Average equity | $8,319,330 | 4,641 |
| Average total loans | $31,142,670 | 4,897 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6938% | 5,485 |
| Cost of funding earning assets | 0.2388% | 4,771 |
| Net interest margin | 2.4550% | 5,420 |
| Noninterest income to average assets | 0.3381% | 3,896 |
| Noninterest expense to average assets | 1.8577% | 5,089 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5671% | 4,526 |
| Return on assets (ROA) | 0.5671% | 4,529 |
| Pretax return on assets | 0.7598% | 4,260 |
| Return on Equity (ROE) | 7.5376% | 3,570 |
| Retained earnings to average equity (ytd only) | 7.5376% | 2,028 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9722% | 2,347 |
| Assets per employee ($millions) | 7.1997% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 2,295 |
| Loan loss allowance to noncurrent loans | 357.1429% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.1157% | 4,515 |
| Noncurrent loans to loans | 0.3610% | 3,476 |
| Net loans and leases to total assets | 28.3594% | 5,402 |
| Net loans and leases to deposits | 30.7577% | 5,438 |
| Net loans and leases to core deposits | 31.4918% | 5,440 |
| Total domestic deposits to total assets | 92.2025% | 86 |
| Equity capital to assets | 7.6475% | 5,382 |
| Core capital (leverage) ratio | 7.1451% | 5,539 |
| Tier 1 risk-based capital ratio | 22.7637% | 964 |
| Total risk-based capital ratio | 23.9517% | 949 |
| Memoranda: | ||
| Average total assets | $110,029,500 | 4,065 |
| Average earning assets | $102,159,500 | 4,055 |
| Average equity | $8,278,500 | 4,702 |
| Average total loans | $31,860,000 | 4,923 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6099% | 5,527 |
| Cost of funding earning assets | 0.2274% | 4,739 |
| Net interest margin | 2.3825% | 5,470 |
| Noninterest income to average assets | 0.3611% | 3,884 |
| Noninterest expense to average assets | 1.8816% | 5,139 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3912% | 4,724 |
| Return on assets (ROA) | 0.3912% | 4,735 |
| Pretax return on assets | 0.6864% | 4,543 |
| Return on Equity (ROE) | 5.0519% | 4,137 |
| Retained earnings to average equity (ytd only) | 3.6310% | 3,082 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2699% | 2,020 |
| Assets per employee ($millions) | 6.5919% | 1,154 |
| Cash dividends to net income (ytd only)* | 28.1250% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 2,645 |
| Loan loss allowance to noncurrent loans | 1,025.6410% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0482% | 4,897 |
| Noncurrent loans to loans | 0.1193% | 4,445 |
| Net loans and leases to total assets | 28.8168% | 5,451 |
| Net loans and leases to deposits | 31.1390% | 5,501 |
| Net loans and leases to core deposits | 31.8512% | 5,506 |
| Total domestic deposits to total assets | 92.5426% | 49 |
| Equity capital to assets | 7.4048% | 5,555 |
| Core capital (leverage) ratio | 7.7323% | 5,514 |
| Tier 1 risk-based capital ratio | 22.4284% | 970 |
| Total risk-based capital ratio | 23.5548% | 958 |
| Memoranda: | ||
| Average total assets | $106,348,200 | 4,124 |
| Average earning assets | $98,510,800 | 4,123 |
| Average equity | $8,234,600 | 4,748 |
| Average total loans | $31,328,200 | 4,990 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5764% | 5,599 |
| Cost of funding earning assets | 0.2231% | 4,786 |
| Net interest margin | 2.3532% | 5,551 |
| Noninterest income to average assets | 0.3673% | 3,896 |
| Noninterest expense to average assets | 1.8858% | 5,158 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4155% | 4,968 |
| Return on assets (ROA) | 0.4155% | 4,997 |
| Pretax return on assets | 0.6659% | 4,690 |
| Return on Equity (ROE) | 5.3048% | 4,411 |
| Retained earnings to average equity (ytd only) | 5.3048% | 2,677 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9044% | 1,911 |
| Assets per employee ($millions) | 5.8829% | 1,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 2,400 |
| Loan loss allowance to noncurrent loans | 183.4862% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.2360% | 4,114 |
| Noncurrent loans to loans | 0.7039% | 2,598 |
| Net loans and leases to total assets | 30.5689% | 5,486 |
| Net loans and leases to deposits | 33.4537% | 5,539 |
| Net loans and leases to core deposits | 34.3240% | 5,548 |
| Total domestic deposits to total assets | 91.3769% | 118 |
| Equity capital to assets | 8.4532% | 5,314 |
| Core capital (leverage) ratio | 8.1371% | 5,453 |
| Tier 1 risk-based capital ratio | 24.3734% | 812 |
| Total risk-based capital ratio | 25.5446% | 796 |
| Memoranda: | ||
| Average total assets | $104,919,500 | 4,197 |
| Average earning assets | $97,395,500 | 4,180 |
| Average equity | $8,218,750 | 4,794 |
| Average total loans | $30,987,000 | 5,048 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4775% | 5,666 |
| Cost of funding earning assets | 0.2039% | 4,934 |
| Net interest margin | 2.2736% | 5,620 |
| Noninterest income to average assets | 0.3773% | 3,855 |
| Noninterest expense to average assets | 1.8638% | 5,235 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3904% | 4,998 |
| Return on assets (ROA) | 0.3904% | 5,027 |
| Pretax return on assets | 0.6269% | 4,746 |
| Return on Equity (ROE) | 5.1104% | 4,431 |
| Retained earnings to average equity (ytd only) | 5.1104% | 2,633 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8304% | 1,876 |
| Assets per employee ($millions) | 6.3269% | 1,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 2,625 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 5,212 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 29.1433% | 5,563 |
| Net loans and leases to deposits | 31.6307% | 5,607 |
| Net loans and leases to core deposits | 32.3869% | 5,620 |
| Total domestic deposits to total assets | 92.1363% | 63 |
| Equity capital to assets | 7.7502% | 5,607 |
| Core capital (leverage) ratio | 7.8853% | 5,569 |
| Tier 1 risk-based capital ratio | 23.5600% | 893 |
| Total risk-based capital ratio | 24.7080% | 887 |
| Memoranda: | ||
| Average total assets | $106,556,000 | 4,193 |
| Average earning assets | $99,051,670 | 4,178 |
| Average equity | $8,140,330 | 4,837 |
| Average total loans | $30,992,000 | 5,081 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4098% | 5,738 |
| Cost of funding earning assets | 0.1951% | 5,021 |
| Net interest margin | 2.2148% | 5,696 |
| Noninterest income to average assets | 0.4111% | 3,584 |
| Noninterest expense to average assets | 1.8783% | 5,262 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3658% | 5,035 |
| Return on assets (ROA) | 0.3658% | 5,056 |
| Pretax return on assets | 0.5884% | 4,756 |
| Return on Equity (ROE) | 4.8244% | 4,468 |
| Retained earnings to average equity (ytd only) | 4.8244% | 2,999 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1468% | 1,885 |
| Assets per employee ($millions) | 6.5687% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3078% | 2,503 |
| Loan loss allowance to noncurrent loans | 930.2326% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.0628% | 5,030 |
| Noncurrent loans to loans | 0.1406% | 4,631 |
| Net loans and leases to total assets | 28.7215% | 5,613 |
| Net loans and leases to deposits | 31.2097% | 5,666 |
| Net loans and leases to core deposits | 31.9740% | 5,667 |
| Total domestic deposits to total assets | 92.0275% | 102 |
| Equity capital to assets | 7.7660% | 5,609 |
| Core capital (leverage) ratio | 7.6969% | 5,662 |
| Tier 1 risk-based capital ratio | 23.3374% | 936 |
| Total risk-based capital ratio | 24.5139% | 930 |
| Memoranda: | ||
| Average total assets | $106,055,000 | 4,244 |
| Average earning assets | $98,430,500 | 4,223 |
| Average equity | $8,042,500 | 4,892 |
| Average total loans | $30,615,000 | 5,136 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4338% | 5,778 |
| Cost of funding earning assets | 0.1995% | 5,015 |
| Net interest margin | 2.2344% | 5,736 |
| Noninterest income to average assets | 0.4295% | 3,683 |
| Noninterest expense to average assets | 1.9630% | 5,260 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3408% | 5,106 |
| Return on assets (ROA) | 0.3408% | 5,186 |
| Pretax return on assets | 0.5444% | 4,935 |
| Return on Equity (ROE) | 4.1751% | 4,776 |
| Retained earnings to average equity (ytd only) | 2.7299% | 3,959 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2871% | 1,655 |
| Assets per employee ($millions) | 6.6882% | 1,054 |
| Cash dividends to net income (ytd only)* | 34.6154% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3053% | 2,519 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 5,295 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 28.2625% | 5,674 |
| Net loans and leases to deposits | 30.5554% | 5,732 |
| Net loans and leases to core deposits | 31.3676% | 5,736 |
| Total domestic deposits to total assets | 92.4961% | 66 |
| Equity capital to assets | 7.4039% | 5,735 |
| Core capital (leverage) ratio | 7.2811% | 5,778 |
| Tier 1 risk-based capital ratio | 22.0767% | 1,068 |
| Total risk-based capital ratio | 23.2590% | 1,052 |
| Memoranda: | ||
| Average total assets | $99,187,000 | 4,363 |
| Average earning assets | $92,240,800 | 4,347 |
| Average equity | $8,095,600 | 4,920 |
| Average total loans | $29,536,800 | 5,210 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4778% | 5,829 |
| Cost of funding earning assets | 0.2022% | 5,046 |
| Net interest margin | 2.2756% | 5,789 |
| Noninterest income to average assets | 0.4292% | 3,701 |
| Noninterest expense to average assets | 1.9746% | 5,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3552% | 5,153 |
| Return on assets (ROA) | 0.3552% | 5,233 |
| Pretax return on assets | 0.5691% | 4,959 |
| Return on Equity (ROE) | 4.2429% | 4,813 |
| Retained earnings to average equity (ytd only) | 4.2429% | 3,308 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6280% | 1,745 |
| Assets per employee ($millions) | 6.1022% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 2,082 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 5,387 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 28.3361% | 5,749 |
| Net loans and leases to deposits | 31.0606% | 5,802 |
| Net loans and leases to core deposits | 31.8865% | 5,806 |
| Total domestic deposits to total assets | 91.2286% | 155 |
| Equity capital to assets | 8.5512% | 5,503 |
| Core capital (leverage) ratio | 8.1016% | 5,639 |
| Tier 1 risk-based capital ratio | 25.3940% | 772 |
| Total risk-based capital ratio | 26.6350% | 758 |
| Memoranda: | ||
| Average total assets | $97,231,000 | 4,434 |
| Average earning assets | $90,346,000 | 4,411 |
| Average equity | $8,138,750 | 4,957 |
| Average total loans | $29,260,000 | 5,268 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5082% | 5,902 |
| Cost of funding earning assets | 0.1999% | 5,146 |
| Net interest margin | 2.3083% | 5,858 |
| Noninterest income to average assets | 0.4202% | 3,739 |
| Noninterest expense to average assets | 1.9795% | 5,312 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3625% | 5,147 |
| Return on assets (ROA) | 0.3625% | 5,239 |
| Pretax return on assets | 0.5809% | 4,939 |
| Return on Equity (ROE) | 4.3626% | 4,770 |
| Retained earnings to average equity (ytd only) | 4.3626% | 3,140 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3130% | 1,885 |
| Assets per employee ($millions) | 6.3951% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3828% | 2,369 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 5,471 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 27.8789% | 5,827 |
| Net loans and leases to deposits | 30.3756% | 5,877 |
| Net loans and leases to core deposits | 31.1395% | 5,880 |
| Total domestic deposits to total assets | 91.7808% | 104 |
| Equity capital to assets | 8.0521% | 5,790 |
| Core capital (leverage) ratio | 8.0985% | 5,672 |
| Tier 1 risk-based capital ratio | 24.4144% | 863 |
| Total risk-based capital ratio | 25.6172% | 852 |
| Memoranda: | ||
| Average total assets | $97,096,330 | 4,476 |
| Average earning assets | $90,024,000 | 4,458 |
| Average equity | $8,068,670 | 5,009 |
| Average total loans | $29,658,000 | 5,305 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5878% | 5,939 |
| Cost of funding earning assets | 0.2050% | 5,153 |
| Net interest margin | 2.3828% | 5,884 |
| Noninterest income to average assets | 0.4530% | 3,461 |
| Noninterest expense to average assets | 2.0152% | 5,300 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4064% | 4,972 |
| Return on assets (ROA) | 0.4064% | 5,052 |
| Pretax return on assets | 0.6520% | 4,673 |
| Return on Equity (ROE) | 4.8099% | 4,575 |
| Retained earnings to average equity (ytd only) | 4.8099% | 3,062 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5556% | 2,240 |
| Assets per employee ($millions) | 5.8326% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 2,677 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 5,495 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 31.4117% | 5,793 |
| Net loans and leases to deposits | 34.4441% | 5,862 |
| Net loans and leases to core deposits | 35.4017% | 5,870 |
| Total domestic deposits to total assets | 91.1961% | 219 |
| Equity capital to assets | 8.6721% | 5,443 |
| Core capital (leverage) ratio | 8.6178% | 5,275 |
| Tier 1 risk-based capital ratio | 24.1322% | 903 |
| Total risk-based capital ratio | 25.3271% | 892 |
| Memoranda: | ||
| Average total assets | $94,484,000 | 4,566 |
| Average earning assets | $87,796,500 | 4,547 |
| Average equity | $7,983,500 | 5,057 |
| Average total loans | $30,024,000 | 5,336 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4279% | 6,022 |
| Cost of funding earning assets | 0.1936% | 5,332 |
| Net interest margin | 2.2343% | 5,979 |
| Noninterest income to average assets | 0.5061% | 3,278 |
| Noninterest expense to average assets | 2.0415% | 5,372 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3509% | 5,214 |
| Return on assets (ROA) | 0.3509% | 5,306 |
| Pretax return on assets | 0.5625% | 4,952 |
| Return on Equity (ROE) | 4.2084% | 4,848 |
| Retained earnings to average equity (ytd only) | 2.5251% | 4,273 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3993% | 1,903 |
| Assets per employee ($millions) | 5.9779% | 1,405 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 2,800 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0355% | 5,538 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 31.2967% | 5,854 |
| Net loans and leases to deposits | 34.1163% | 5,929 |
| Net loans and leases to core deposits | 35.0343% | 5,946 |
| Total domestic deposits to total assets | 91.7351% | 140 |
| Equity capital to assets | 8.2324% | 5,745 |
| Core capital (leverage) ratio | 8.3746% | 5,549 |
| Tier 1 risk-based capital ratio | 23.3623% | 968 |
| Total risk-based capital ratio | 24.5228% | 970 |
| Memoranda: | ||
| Average total assets | $94,050,400 | 4,580 |
| Average earning assets | $88,306,200 | 4,532 |
| Average equity | $7,841,400 | 5,090 |
| Average total loans | $28,282,400 | 5,431 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3976% | 6,120 |
| Cost of funding earning assets | 0.1937% | 5,435 |
| Net interest margin | 2.2038% | 6,075 |
| Noninterest income to average assets | 0.5467% | 3,067 |
| Noninterest expense to average assets | 2.0885% | 5,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3303% | 5,370 |
| Return on assets (ROA) | 0.3303% | 5,452 |
| Pretax return on assets | 0.5310% | 5,147 |
| Return on Equity (ROE) | 3.9489% | 5,047 |
| Retained earnings to average equity (ytd only) | 3.6936% | 3,836 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7283% | 1,700 |
| Assets per employee ($millions) | 5.5623% | 1,722 |
| Cash dividends to net income (ytd only)* | 6.4656% | 3,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 2,718 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 5,601 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 32.2295% | 5,915 |
| Net loans and leases to deposits | 35.4707% | 5,990 |
| Net loans and leases to core deposits | 36.5077% | 6,004 |
| Total domestic deposits to total assets | 90.8625% | 288 |
| Equity capital to assets | 8.9678% | 5,334 |
| Core capital (leverage) ratio | 8.6237% | 5,438 |
| Tier 1 risk-based capital ratio | 24.4112% | 904 |
| Total risk-based capital ratio | 25.6347% | 898 |
| Memoranda: | ||
| Average total assets | $93,651,500 | 4,640 |
| Average earning assets | $88,087,750 | 4,589 |
| Average equity | $7,833,250 | 5,155 |
| Average total loans | $27,769,500 | 5,516 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3331% | 6,213 |
| Cost of funding earning assets | 0.1868% | 5,556 |
| Net interest margin | 2.1463% | 6,162 |
| Noninterest income to average assets | 0.5630% | 2,954 |
| Noninterest expense to average assets | 2.0588% | 5,420 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3319% | 5,352 |
| Return on assets (ROA) | 0.3319% | 5,454 |
| Pretax return on assets | 0.5315% | 5,146 |
| Return on Equity (ROE) | 4.0596% | 4,997 |
| Retained earnings to average equity (ytd only) | 3.6742% | 3,685 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4809% | 1,840 |
| Assets per employee ($millions) | 5.9772% | 1,371 |
| Cash dividends to net income (ytd only)* | 9.4937% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 2,672 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 5,701 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 29.0835% | 6,065 |
| Net loans and leases to deposits | 31.7102% | 6,124 |
| Net loans and leases to core deposits | 32.5618% | 6,131 |
| Total domestic deposits to total assets | 91.7164% | 159 |
| Equity capital to assets | 8.1644% | 5,905 |
| Core capital (leverage) ratio | 8.3406% | 5,683 |
| Tier 1 risk-based capital ratio | 25.4612% | 821 |
| Total risk-based capital ratio | 26.7112% | 808 |
| Memoranda: | ||
| Average total assets | $95,203,330 | 4,654 |
| Average earning assets | $89,923,000 | 4,596 |
| Average equity | $7,784,000 | 5,203 |
| Average total loans | $27,331,670 | 5,580 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3275% | 6,278 |
| Cost of funding earning assets | 0.1818% | 5,670 |
| Net interest margin | 2.1458% | 6,229 |
| Noninterest income to average assets | 0.5811% | 2,762 |
| Noninterest expense to average assets | 2.0466% | 5,494 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3579% | 5,230 |
| Return on assets (ROA) | 0.3579% | 5,345 |
| Pretax return on assets | 0.5727% | 4,989 |
| Return on Equity (ROE) | 4.3747% | 4,814 |
| Retained earnings to average equity (ytd only) | 3.6027% | 3,841 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1350% | 2,166 |
| Assets per employee ($millions) | 6.0301% | 1,384 |
| Cash dividends to net income (ytd only)* | 17.6471% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4699% | 2,578 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0435% | 5,765 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 27.7899% | 6,136 |
| Net loans and leases to deposits | 30.2868% | 6,193 |
| Net loans and leases to core deposits | 31.0918% | 6,201 |
| Total domestic deposits to total assets | 91.7559% | 183 |
| Equity capital to assets | 8.1363% | 5,971 |
| Core capital (leverage) ratio | 8.7409% | 5,272 |
| Tier 1 risk-based capital ratio | 25.2582% | 861 |
| Total risk-based capital ratio | 26.5066% | 841 |
| Memoranda: | ||
| Average total assets | $94,987,500 | 4,689 |
| Average earning assets | $90,224,000 | 4,635 |
| Average equity | $7,772,000 | 5,250 |
| Average total loans | $26,890,500 | 5,642 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4298% | 6,342 |
| Cost of funding earning assets | 0.1881% | 5,850 |
| Net interest margin | 2.2417% | 6,290 |
| Noninterest income to average assets | 0.5278% | 3,306 |
| Noninterest expense to average assets | 2.1300% | 5,509 |
| Loan and lease loss provision to assets | 0.0033% | 4,537 |
| Net operating income to assets | 0.3134% | 5,488 |
| Return on assets (ROA) | 0.3134% | 5,557 |
| Pretax return on assets | 0.5047% | 5,241 |
| Return on Equity (ROE) | 3.8060% | 5,195 |
| Retained earnings to average equity (ytd only) | 2.2435% | 4,645 |
| Net charge-offs to loans | 0.4074% | 1,053 |
| Credit loss provision to net charge-offs | 2.8571% | 4,181 |
| Earnings coverage of net charge-offs (x) | 4.4000% | 3,661 |
| Efficiency ratio | 80.7420% | 1,815 |
| Assets per employee ($millions) | 5.5012% | 1,768 |
| Cash dividends to net income (ytd only)* | 41.0526% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5055% | 2,446 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0470% | 5,845 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 27.9820% | 6,238 |
| Net loans and leases to deposits | 30.5338% | 6,286 |
| Net loans and leases to core deposits | 30.6378% | 6,304 |
| Total domestic deposits to total assets | 91.6425% | 199 |
| Equity capital to assets | 8.2089% | 5,957 |
| Core capital (leverage) ratio | 9.0472% | 4,910 |
| Tier 1 risk-based capital ratio | 25.7232% | 782 |
| Total risk-based capital ratio | 26.9743% | 770 |
| Memoranda: | ||
| Average total assets | $90,937,400 | 4,815 |
| Average earning assets | $85,604,800 | 4,746 |
| Average equity | $7,488,200 | 5,309 |
| Average total loans | $25,775,000 | 5,744 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4537% | 6,417 |
| Cost of funding earning assets | 0.1949% | 5,874 |
| Net interest margin | 2.2588% | 6,355 |
| Noninterest income to average assets | 0.4991% | 3,553 |
| Noninterest expense to average assets | 2.1353% | 5,496 |
| Loan and lease loss provision to assets | 0.0044% | 4,323 |
| Net operating income to assets | 0.2998% | 5,582 |
| Return on assets (ROA) | 0.2998% | 5,656 |
| Pretax return on assets | 0.4814% | 5,376 |
| Return on Equity (ROE) | 3.6374% | 5,313 |
| Retained earnings to average equity (ytd only) | 3.3686% | 4,218 |
| Net charge-offs to loans | 0.5474% | 698 |
| Credit loss provision to net charge-offs | 2.8571% | 3,778 |
| Earnings coverage of net charge-offs (x) | 3.1333% | 3,728 |
| Efficiency ratio | 81.4648% | 1,680 |
| Assets per employee ($millions) | 4.8631% | 2,427 |
| Cash dividends to net income (ytd only)* | 7.3893% | 3,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5428% | 2,532 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 5,922 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 30.8774% | 6,228 |
| Net loans and leases to deposits | 34.0760% | 6,293 |
| Net loans and leases to core deposits | 34.2089% | 6,316 |
| Total domestic deposits to total assets | 90.6135% | 489 |
| Equity capital to assets | 9.2232% | 5,125 |
| Core capital (leverage) ratio | 8.9580% | 5,122 |
| Tier 1 risk-based capital ratio | 26.4346% | 752 |
| Total risk-based capital ratio | 27.6867% | 735 |
| Memoranda: | ||
| Average total assets | $90,291,500 | 4,882 |
| Average earning assets | $84,820,750 | 4,815 |
| Average equity | $7,441,000 | 5,358 |
| Average total loans | $25,576,500 | 5,810 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4030% | 6,506 |
| Cost of funding earning assets | 0.1939% | 5,964 |
| Net interest margin | 2.2091% | 6,445 |
| Noninterest income to average assets | 0.4977% | 3,497 |
| Noninterest expense to average assets | 2.0683% | 5,691 |
| Loan and lease loss provision to assets | 0.0065% | 4,108 |
| Net operating income to assets | 0.2995% | 5,567 |
| Return on assets (ROA) | 0.2995% | 5,638 |
| Pretax return on assets | 0.4848% | 5,316 |
| Return on Equity (ROE) | 3.7671% | 5,247 |
| Retained earnings to average equity (ytd only) | 3.3606% | 4,059 |
| Net charge-offs to loans | 0.8248% | 458 |
| Credit loss provision to net charge-offs | 2.8571% | 3,381 |
| Earnings coverage of net charge-offs (x) | 2.1714% | 3,617 |
| Efficiency ratio | 80.8081% | 1,904 |
| Assets per employee ($millions) | 5.3044% | 1,877 |
| Cash dividends to net income (ytd only)* | 10.7914% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5622% | 2,615 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 6,015 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 27.9515% | 6,365 |
| Net loans and leases to deposits | 30.5486% | 6,418 |
| Net loans and leases to core deposits | 30.6567% | 6,440 |
| Total domestic deposits to total assets | 91.4987% | 267 |
| Equity capital to assets | 8.4104% | 5,874 |
| Core capital (leverage) ratio | 8.5424% | 5,594 |
| Tier 1 risk-based capital ratio | 26.3145% | 744 |
| Total risk-based capital ratio | 27.5644% | 735 |
| Memoranda: | ||
| Average total assets | $92,831,330 | 4,847 |
| Average earning assets | $86,642,330 | 4,817 |
| Average equity | $7,379,670 | 5,397 |
| Average total loans | $25,459,670 | 5,857 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3949% | 6,575 |
| Cost of funding earning assets | 0.1965% | 6,030 |
| Net interest margin | 2.1984% | 6,526 |
| Noninterest income to average assets | 0.5438% | 3,091 |
| Noninterest expense to average assets | 2.0051% | 5,872 |
| Loan and lease loss provision to assets | 0.0127% | 3,663 |
| Net operating income to assets | 0.3526% | 5,303 |
| Return on assets (ROA) | 0.3526% | 5,358 |
| Pretax return on assets | 0.5692% | 4,937 |
| Return on Equity (ROE) | 4.5620% | 4,760 |
| Retained earnings to average equity (ytd only) | 3.7375% | 3,890 |
| Net charge-offs to loans | 0.9296% | 374 |
| Credit loss provision to net charge-offs | 5.0847% | 2,650 |
| Earnings coverage of net charge-offs (x) | 2.3220% | 2,905 |
| Efficiency ratio | 77.5041% | 2,552 |
| Assets per employee ($millions) | 5.4007% | 1,803 |
| Cash dividends to net income (ytd only)* | 18.0723% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7851% | 2,083 |
| Loan loss allowance to noncurrent loans | 398.2143% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 5,880 |
| Noncurrent loans to loans | 0.4483% | 4,808 |
| Net loans and leases to total assets | 26.7274% | 6,452 |
| Net loans and leases to deposits | 29.0784% | 6,493 |
| Net loans and leases to core deposits | 29.1791% | 6,510 |
| Total domestic deposits to total assets | 91.9150% | 267 |
| Equity capital to assets | 8.0338% | 6,033 |
| Core capital (leverage) ratio | 8.4217% | 5,725 |
| Tier 1 risk-based capital ratio | 26.3111% | 762 |
| Total risk-based capital ratio | 27.5630% | 749 |
| Memoranda: | ||
| Average total assets | $94,160,000 | 4,875 |
| Average earning assets | $87,518,500 | 4,835 |
| Average equity | $7,277,500 | 5,449 |
| Average total loans | $25,387,000 | 5,916 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4457% | 6,631 |
| Cost of funding earning assets | 0.2303% | 6,099 |
| Net interest margin | 2.2154% | 6,570 |
| Noninterest income to average assets | 0.4845% | 3,859 |
| Noninterest expense to average assets | 2.1247% | 5,780 |
| Loan and lease loss provision to assets | 0.0218% | 4,691 |
| Net operating income to assets | 0.3056% | 5,503 |
| Return on assets (ROA) | 0.3056% | 5,603 |
| Pretax return on assets | 0.4267% | 5,422 |
| Return on Equity (ROE) | 3.7976% | 5,196 |
| Retained earnings to average equity (ytd only) | 2.2108% | 4,674 |
| Net charge-offs to loans | 0.0039% | 5,401 |
| Credit loss provision to net charge-offs | 2,000.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 411.0000% | 107 |
| Efficiency ratio | 82.5700% | 1,802 |
| Assets per employee ($millions) | 5.6769% | 1,492 |
| Cash dividends to net income (ytd only)* | 41.7857% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9466% | 1,677 |
| Loan loss allowance to noncurrent loans | 256.1224% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 5,685 |
| Noncurrent loans to loans | 0.7600% | 4,068 |
| Net loans and leases to total assets | 26.2020% | 6,563 |
| Net loans and leases to deposits | 28.3366% | 6,610 |
| Net loans and leases to core deposits | 28.4293% | 6,620 |
| Total domestic deposits to total assets | 92.4669% | 198 |
| Equity capital to assets | 7.4388% | 6,311 |
| Core capital (leverage) ratio | 8.4892% | 5,686 |
| Tier 1 risk-based capital ratio | 21.5232% | 1,335 |
| Total risk-based capital ratio | 22.7746% | 1,313 |
| Memoranda: | ||
| Average total assets | $91,638,000 | 4,939 |
| Average earning assets | $86,395,000 | 4,870 |
| Average equity | $7,373,000 | 5,483 |
| Average total loans | $25,533,400 | 5,956 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4488% | 6,712 |
| Cost of funding earning assets | 0.2452% | 6,121 |
| Net interest margin | 2.2036% | 6,646 |
| Noninterest income to average assets | 0.4630% | 4,055 |
| Noninterest expense to average assets | 2.0747% | 5,881 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2920% | 5,642 |
| Return on assets (ROA) | 0.2920% | 5,751 |
| Pretax return on assets | 0.4689% | 5,447 |
| Return on Equity (ROE) | 3.5571% | 5,416 |
| Retained earnings to average equity (ytd only) | 3.2876% | 4,336 |
| Net charge-offs to loans | 0.0052% | 5,079 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 318.7895% | 183 |
| Efficiency ratio | 81.5652% | 1,888 |
| Assets per employee ($millions) | 5.4056% | 1,727 |
| Cash dividends to net income (ytd only)* | 7.5760% | 3,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8685% | 2,089 |
| Loan loss allowance to noncurrent loans | 125.5208% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.4440% | 5,097 |
| Noncurrent loans to loans | 1.4886% | 2,932 |
| Net loans and leases to total assets | 29.2681% | 6,558 |
| Net loans and leases to deposits | 32.0276% | 6,619 |
| Net loans and leases to core deposits | 32.2488% | 6,642 |
| Total domestic deposits to total assets | 91.3840% | 396 |
| Equity capital to assets | 8.4692% | 5,767 |
| Core capital (leverage) ratio | 8.2879% | 5,983 |
| Tier 1 risk-based capital ratio | 25.2954% | 851 |
| Total risk-based capital ratio | 26.5498% | 835 |
| Memoranda: | ||
| Average total assets | $90,420,500 | 5,027 |
| Average earning assets | $85,374,000 | 4,944 |
| Average equity | $7,421,500 | 5,533 |
| Average total loans | $25,469,500 | 6,013 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3861% | 6,775 |
| Cost of funding earning assets | 0.2484% | 6,183 |
| Net interest margin | 2.1378% | 6,719 |
| Noninterest income to average assets | 0.4840% | 3,937 |
| Noninterest expense to average assets | 2.0582% | 5,945 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2704% | 5,714 |
| Return on assets (ROA) | 0.2704% | 5,851 |
| Pretax return on assets | 0.4339% | 5,568 |
| Return on Equity (ROE) | 3.3272% | 5,492 |
| Retained earnings to average equity (ytd only) | 2.9247% | 4,448 |
| Net charge-offs to loans | 0.0079% | 4,730 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 199.0000% | 261 |
| Efficiency ratio | 82.5897% | 1,811 |
| Assets per employee ($millions) | 5.2970% | 1,798 |
| Cash dividends to net income (ytd only)* | 12.0968% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8866% | 2,150 |
| Loan loss allowance to noncurrent loans | 125.1948% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.4038% | 5,266 |
| Noncurrent loans to loans | 1.5070% | 3,036 |
| Net loans and leases to total assets | 26.2895% | 6,679 |
| Net loans and leases to deposits | 28.4430% | 6,731 |
| Net loans and leases to core deposits | 28.6191% | 6,741 |
| Total domestic deposits to total assets | 92.4286% | 196 |
| Equity capital to assets | 7.4875% | 6,446 |
| Core capital (leverage) ratio | 8.1297% | 6,080 |
| Tier 1 risk-based capital ratio | 24.6498% | 915 |
| Total risk-based capital ratio | 25.9037% | 896 |
| Memoranda: | ||
| Average total assets | $91,730,670 | 5,017 |
| Average earning assets | $86,165,000 | 4,949 |
| Average equity | $7,453,670 | 5,573 |
| Average total loans | $25,360,670 | 6,053 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4355% | 6,835 |
| Cost of funding earning assets | 0.2648% | 6,193 |
| Net interest margin | 2.1707% | 6,776 |
| Noninterest income to average assets | 0.5338% | 3,545 |
| Noninterest expense to average assets | 2.1040% | 5,904 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2936% | 5,593 |
| Return on assets (ROA) | 0.2936% | 5,712 |
| Pretax return on assets | 0.4715% | 5,354 |
| Return on Equity (ROE) | 3.4687% | 5,358 |
| Retained earnings to average equity (ytd only) | 2.6803% | 4,680 |
| Net charge-offs to loans | 0.0158% | 3,838 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 106.0000% | 358 |
| Efficiency ratio | 81.6926% | 2,083 |
| Assets per employee ($millions) | 4.9135% | 2,326 |
| Cash dividends to net income (ytd only)* | 22.7273% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9505% | 2,172 |
| Loan loss allowance to noncurrent loans | 124.8705% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.4364% | 5,290 |
| Noncurrent loans to loans | 1.5620% | 3,202 |
| Net loans and leases to total assets | 27.3962% | 6,688 |
| Net loans and leases to deposits | 29.9739% | 6,745 |
| Net loans and leases to core deposits | 30.1762% | 6,759 |
| Total domestic deposits to total assets | 91.4001% | 383 |
| Equity capital to assets | 8.5739% | 5,941 |
| Core capital (leverage) ratio | 8.8136% | 5,164 |
| Tier 1 risk-based capital ratio | 26.0060% | 780 |
| Total risk-based capital ratio | 27.2629% | 770 |
| Memoranda: | ||
| Average total assets | $89,923,000 | 5,099 |
| Average earning assets | $84,580,500 | 5,024 |
| Average equity | $7,611,000 | 5,603 |
| Average total loans | $25,267,000 | 6,108 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7037% | 6,876 |
| Cost of funding earning assets | 0.2916% | 6,500 |
| Net interest margin | 2.4121% | 6,772 |
| Noninterest income to average assets | 0.5965% | 3,297 |
| Noninterest expense to average assets | 2.4399% | 5,285 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2742% | 5,561 |
| Return on assets (ROA) | 0.3429% | 5,540 |
| Pretax return on assets | 0.5014% | 5,275 |
| Return on Equity (ROE) | 3.8885% | 5,189 |
| Retained earnings to average equity (ytd only) | 2.3304% | 4,594 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9033% | 1,440 |
| Assets per employee ($millions) | 5.0779% | 2,127 |
| Cash dividends to net income (ytd only)* | 40.0685% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8705% | 2,385 |
| Loan loss allowance to noncurrent loans | 122.9008% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.4300% | 5,416 |
| Noncurrent loans to loans | 1.5220% | 3,324 |
| Net loans and leases to total assets | 27.7223% | 6,763 |
| Net loans and leases to deposits | 30.2845% | 6,824 |
| Net loans and leases to core deposits | 30.4900% | 6,838 |
| Total domestic deposits to total assets | 91.5397% | 330 |
| Equity capital to assets | 8.3575% | 6,155 |
| Core capital (leverage) ratio | 9.0003% | 4,898 |
| Tier 1 risk-based capital ratio | 24.9514% | 858 |
| Total risk-based capital ratio | 26.2058% | 849 |
| Memoranda: | ||
| Average total assets | $85,167,400 | 5,211 |
| Average earning assets | $79,225,200 | 5,151 |
| Average equity | $7,509,400 | 5,635 |
| Average total loans | $23,970,400 | 6,241 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7769% | 6,980 |
| Cost of funding earning assets | 0.3007% | 6,614 |
| Net interest margin | 2.4762% | 6,839 |
| Noninterest income to average assets | 0.5231% | 3,781 |
| Noninterest expense to average assets | 2.4606% | 5,215 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2232% | 5,855 |
| Return on assets (ROA) | 0.3110% | 5,783 |
| Pretax return on assets | 0.4975% | 5,474 |
| Return on Equity (ROE) | 3.4772% | 5,501 |
| Retained earnings to average equity (ytd only) | 3.2097% | 4,610 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2244% | 1,280 |
| Assets per employee ($millions) | 4.4945% | 2,921 |
| Cash dividends to net income (ytd only)* | 7.6926% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9895% | 2,197 |
| Loan loss allowance to noncurrent loans | 124.4845% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.4796% | 5,467 |
| Noncurrent loans to loans | 1.5982% | 3,393 |
| Net loans and leases to total assets | 29.4125% | 6,833 |
| Net loans and leases to deposits | 32.6411% | 6,897 |
| Net loans and leases to core deposits | 32.8951% | 6,919 |
| Total domestic deposits to total assets | 90.1089% | 790 |
| Equity capital to assets | 9.4745% | 5,237 |
| Core capital (leverage) ratio | 8.9731% | 5,101 |
| Tier 1 risk-based capital ratio | 26.3113% | 799 |
| Total risk-based capital ratio | 27.5661% | 782 |
| Memoranda: | ||
| Average total assets | $83,608,500 | 5,305 |
| Average earning assets | $77,590,500 | 5,253 |
| Average equity | $7,477,000 | 5,702 |
| Average total loans | $23,507,500 | 6,350 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7658% | 7,055 |
| Cost of funding earning assets | 0.2957% | 6,754 |
| Net interest margin | 2.4701% | 6,917 |
| Noninterest income to average assets | 0.5325% | 3,707 |
| Noninterest expense to average assets | 2.4376% | 5,333 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2414% | 5,789 |
| Return on assets (ROA) | 0.2414% | 5,975 |
| Pretax return on assets | 0.3881% | 5,732 |
| Return on Equity (ROE) | 2.7514% | 5,785 |
| Retained earnings to average equity (ytd only) | 2.3468% | 5,016 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2647% | 1,408 |
| Assets per employee ($millions) | 5.0228% | 2,153 |
| Cash dividends to net income (ytd only)* | 14.7059% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0803% | 2,034 |
| Loan loss allowance to noncurrent loans | 124.4845% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.4292% | 5,706 |
| Noncurrent loans to loans | 1.6711% | 3,391 |
| Net loans and leases to total assets | 25.1466% | 7,003 |
| Net loans and leases to deposits | 27.5012% | 7,050 |
| Net loans and leases to core deposits | 27.6898% | 7,060 |
| Total domestic deposits to total assets | 91.4379% | 322 |
| Equity capital to assets | 8.2845% | 6,389 |
| Core capital (leverage) ratio | 8.5501% | 5,581 |
| Tier 1 risk-based capital ratio | 26.7163% | 751 |
| Total risk-based capital ratio | 27.9738% | 737 |
| Memoranda: | ||
| Average total assets | $84,511,000 | 5,315 |
| Average earning assets | $78,458,330 | 5,259 |
| Average equity | $7,414,330 | 5,737 |
| Average total loans | $23,250,670 | 6,405 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9000% | 7,078 |
| Cost of funding earning assets | 0.3011% | 6,837 |
| Net interest margin | 2.5989% | 6,874 |
| Noninterest income to average assets | 0.5934% | 3,276 |
| Noninterest expense to average assets | 2.4718% | 5,243 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3335% | 5,537 |
| Return on assets (ROA) | 0.3335% | 5,710 |
| Pretax return on assets | 0.5346% | 5,325 |
| Return on Equity (ROE) | 3.6874% | 5,435 |
| Retained earnings to average equity (ytd only) | 2.8740% | 4,812 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2186% | 1,912 |
| Assets per employee ($millions) | 4.4678% | 3,054 |
| Cash dividends to net income (ytd only)* | 22.0588% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0800% | 2,147 |
| Loan loss allowance to noncurrent loans | 124.4845% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.4825% | 5,651 |
| Noncurrent loans to loans | 1.6709% | 3,594 |
| Net loans and leases to total assets | 28.2737% | 6,971 |
| Net loans and leases to deposits | 31.2580% | 7,024 |
| Net loans and leases to core deposits | 31.5018% | 7,051 |
| Total domestic deposits to total assets | 90.4527% | 828 |
| Equity capital to assets | 9.2240% | 5,199 |
| Core capital (leverage) ratio | 9.1306% | 4,638 |
| Tier 1 risk-based capital ratio | 26.6034% | 758 |
| Total risk-based capital ratio | 27.8614% | 743 |
| Memoranda: | ||
| Average total assets | $81,561,500 | 5,425 |
| Average earning assets | $75,724,500 | 5,374 |
| Average equity | $7,376,500 | 5,768 |
| Average total loans | $23,267,000 | 6,451 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2275% | 7,113 |
| Cost of funding earning assets | 0.3403% | 7,035 |
| Net interest margin | 2.8872% | 6,710 |
| Noninterest income to average assets | 0.5076% | 3,794 |
| Noninterest expense to average assets | 2.8728% | 4,073 |
| Loan and lease loss provision to assets | 0.0618% | 5,839 |
| Net operating income to assets | 0.3105% | 5,211 |
| Return on assets (ROA) | 0.3543% | 5,221 |
| Pretax return on assets | 0.2615% | 5,651 |
| Return on Equity (ROE) | 3.8716% | 4,912 |
| Retained earnings to average equity (ytd only) | 2.2244% | 4,629 |
| Net charge-offs to loans | 0.2797% | 4,023 |
| Credit loss provision to net charge-offs | 72.7273% | 4,744 |
| Earnings coverage of net charge-offs (x) | 3.2879% | 3,571 |
| Efficiency ratio | 91.1320% | 1,108 |
| Assets per employee ($millions) | 4.5946% | 2,766 |
| Cash dividends to net income (ytd only)* | 42.5455% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0718% | 2,078 |
| Loan loss allowance to noncurrent loans | 124.4845% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.4692% | 5,787 |
| Noncurrent loans to loans | 1.6643% | 3,668 |
| Net loans and leases to total assets | 27.6051% | 7,070 |
| Net loans and leases to deposits | 30.3805% | 7,127 |
| Net loans and leases to core deposits | 30.6098% | 7,143 |
| Total domestic deposits to total assets | 90.8648% | 559 |
| Equity capital to assets | 8.8692% | 5,709 |
| Core capital (leverage) ratio | 9.5343% | 3,968 |
| Tier 1 risk-based capital ratio | 26.6618% | 728 |
| Total risk-based capital ratio | 27.9170% | 710 |
| Memoranda: | ||
| Average total assets | $77,625,600 | 5,519 |
| Average earning assets | $71,106,800 | 5,504 |
| Average equity | $7,103,000 | 5,837 |
| Average total loans | $23,598,400 | 6,483 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3692% | 7,153 |
| Cost of funding earning assets | 0.3543% | 7,116 |
| Net interest margin | 3.0148% | 6,556 |
| Noninterest income to average assets | 0.5046% | 3,837 |
| Noninterest expense to average assets | 2.6995% | 4,725 |
| Loan and lease loss provision to assets | 0.0838% | 5,394 |
| Net operating income to assets | 0.2920% | 5,424 |
| Return on assets (ROA) | 0.3300% | 5,457 |
| Pretax return on assets | 0.5291% | 5,042 |
| Return on Equity (ROE) | 3.5769% | 5,185 |
| Retained earnings to average equity (ytd only) | 3.2930% | 4,375 |
| Net charge-offs to loans | 0.2591% | 3,810 |
| Credit loss provision to net charge-offs | 104.3478% | 3,192 |
| Earnings coverage of net charge-offs (x) | 6.8916% | 2,457 |
| Efficiency ratio | 82.9844% | 1,851 |
| Assets per employee ($millions) | 3.9893% | 3,876 |
| Cash dividends to net income (ytd only)* | 7.9368% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1931% | 1,873 |
| Loan loss allowance to noncurrent loans | 109.8253% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.6378% | 5,545 |
| Noncurrent loans to loans | 1.9969% | 3,372 |
| Net loans and leases to total assets | 31.2407% | 7,046 |
| Net loans and leases to deposits | 34.9860% | 7,100 |
| Net loans and leases to core deposits | 35.2953% | 7,136 |
| Total domestic deposits to total assets | 89.2949% | 1,258 |
| Equity capital to assets | 10.3333% | 3,917 |
| Core capital (leverage) ratio | 9.5791% | 4,022 |
| Tier 1 risk-based capital ratio | 27.3859% | 706 |
| Total risk-based capital ratio | 28.6424% | 689 |
| Memoranda: | ||
| Average total assets | $76,356,500 | 5,600 |
| Average earning assets | $69,610,000 | 5,595 |
| Average equity | $7,045,000 | 5,892 |
| Average total loans | $23,669,750 | 6,549 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3082% | 7,248 |
| Cost of funding earning assets | 0.3426% | 7,241 |
| Net interest margin | 2.9656% | 6,669 |
| Noninterest income to average assets | 0.4854% | 3,975 |
| Noninterest expense to average assets | 2.6351% | 5,058 |
| Loan and lease loss provision to assets | 0.0745% | 5,382 |
| Net operating income to assets | 0.3031% | 5,364 |
| Return on assets (ROA) | 0.3031% | 5,497 |
| Pretax return on assets | 0.4880% | 5,108 |
| Return on Equity (ROE) | 3.4104% | 5,205 |
| Retained earnings to average equity (ytd only) | 2.9769% | 4,386 |
| Net charge-offs to loans | 0.3847% | 3,022 |
| Credit loss provision to net charge-offs | 63.0435% | 4,273 |
| Earnings coverage of net charge-offs (x) | 4.7609% | 2,787 |
| Efficiency ratio | 82.4096% | 2,047 |
| Assets per employee ($millions) | 4.6718% | 2,587 |
| Cash dividends to net income (ytd only)* | 12.7119% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0858% | 2,146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1801% | 6,648 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 28.6074% | 7,226 |
| Net loans and leases to deposits | 31.5284% | 7,279 |
| Net loans and leases to core deposits | 31.7767% | 7,298 |
| Total domestic deposits to total assets | 90.7353% | 614 |
| Equity capital to assets | 9.0922% | 5,455 |
| Core capital (leverage) ratio | 9.2793% | 4,274 |
| Tier 1 risk-based capital ratio | 27.2552% | 713 |
| Total risk-based capital ratio | 28.5142% | 700 |
| Memoranda: | ||
| Average total assets | $77,873,000 | 5,598 |
| Average earning assets | $71,217,670 | 5,584 |
| Average equity | $6,920,000 | 5,944 |
| Average total loans | $23,914,330 | 6,598 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2607% | 7,318 |
| Cost of funding earning assets | 0.3340% | 7,345 |
| Net interest margin | 2.9267% | 6,713 |
| Noninterest income to average assets | 0.5032% | 3,859 |
| Noninterest expense to average assets | 2.5422% | 5,415 |
| Loan and lease loss provision to assets | 0.1297% | 4,381 |
| Net operating income to assets | 0.3217% | 5,305 |
| Return on assets (ROA) | 0.3217% | 5,383 |
| Pretax return on assets | 0.5136% | 4,982 |
| Return on Equity (ROE) | 3.6635% | 5,063 |
| Retained earnings to average equity (ytd only) | 2.7772% | 4,503 |
| Net charge-offs to loans | 0.4285% | 2,412 |
| Credit loss provision to net charge-offs | 96.1538% | 2,826 |
| Earnings coverage of net charge-offs (x) | 4.7692% | 2,402 |
| Efficiency ratio | 79.8046% | 2,572 |
| Assets per employee ($millions) | 4.3553% | 3,120 |
| Cash dividends to net income (ytd only)* | 24.1935% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1194% | 2,140 |
| Loan loss allowance to noncurrent loans | 108.6957% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.8559% | 5,191 |
| Noncurrent loans to loans | 1.9498% | 3,638 |
| Net loans and leases to total assets | 29.4560% | 7,243 |
| Net loans and leases to deposits | 32.3876% | 7,310 |
| Net loans and leases to core deposits | 32.5299% | 7,345 |
| Total domestic deposits to total assets | 90.9484% | 652 |
| Equity capital to assets | 8.9202% | 5,319 |
| Core capital (leverage) ratio | 10.1549% | 2,970 |
| Tier 1 risk-based capital ratio | 24.0518% | 967 |
| Total risk-based capital ratio | 25.3060% | 951 |
| Memoranda: | ||
| Average total assets | $77,099,500 | 5,664 |
| Average earning assets | $70,660,000 | 5,644 |
| Average equity | $6,769,500 | 5,998 |
| Average total loans | $24,269,500 | 6,629 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7916% | 7,258 |
| Cost of funding earning assets | 0.2904% | 7,514 |
| Net interest margin | 3.5012% | 5,247 |
| Noninterest income to average assets | 0.6586% | 3,092 |
| Noninterest expense to average assets | 3.1731% | 3,180 |
| Loan and lease loss provision to assets | 0.4056% | 3,680 |
| Net operating income to assets | 0.1291% | 5,507 |
| Return on assets (ROA) | 0.4011% | 4,672 |
| Pretax return on assets | 0.6451% | 4,184 |
| Return on Equity (ROE) | 3.7915% | 4,613 |
| Retained earnings to average equity (ytd only) | 2.1363% | 4,392 |
| Net charge-offs to loans | 0.1759% | 5,268 |
| Credit loss provision to net charge-offs | 589.1304% | 372 |
| Earnings coverage of net charge-offs (x) | 9.0870% | 1,879 |
| Efficiency ratio | 83.5303% | 1,976 |
| Assets per employee ($millions) | 3.9897% | 3,809 |
| Cash dividends to net income (ytd only)* | 43.6567% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0083% | 2,277 |
| Loan loss allowance to noncurrent loans | 81.1994% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 0.9102% | 5,197 |
| Noncurrent loans to loans | 2.4732% | 3,051 |
| Net loans and leases to total assets | 32.2490% | 7,282 |
| Net loans and leases to deposits | 35.3276% | 7,363 |
| Net loans and leases to core deposits | 35.4876% | 7,393 |
| Total domestic deposits to total assets | 91.2854% | 468 |
| Equity capital to assets | 8.6354% | 5,679 |
| Core capital (leverage) ratio | 10.6175% | 2,446 |
| Tier 1 risk-based capital ratio | 22.9675% | 1,042 |
| Total risk-based capital ratio | 24.2218% | 1,021 |
| Memoranda: | ||
| Average total assets | $66,811,600 | 5,968 |
| Average earning assets | $59,922,400 | 5,999 |
| Average equity | $7,068,400 | 6,012 |
| Average total loans | $26,151,800 | 6,604 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9827% | 7,291 |
| Cost of funding earning assets | 0.2893% | 7,641 |
| Net interest margin | 3.6934% | 4,434 |
| Noninterest income to average assets | 0.6835% | 2,920 |
| Noninterest expense to average assets | 3.3868% | 2,334 |
| Loan and lease loss provision to assets | 0.1177% | 5,852 |
| Net operating income to assets | 0.2377% | 5,401 |
| Return on assets (ROA) | 0.3263% | 5,227 |
| Pretax return on assets | 0.5865% | 4,644 |
| Return on Equity (ROE) | 2.9262% | 5,250 |
| Retained earnings to average equity (ytd only) | 2.6484% | 4,563 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6844% | 1,664 |
| Assets per employee ($millions) | 3.3643% | 5,287 |
| Cash dividends to net income (ytd only)* | 9.4940% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 4,815 |
| Loan loss allowance to noncurrent loans | 333.0000% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.3676% | 6,485 |
| Noncurrent loans to loans | 0.3984% | 6,403 |
| Net loans and leases to total assets | 38.7457% | 7,146 |
| Net loans and leases to deposits | 44.2450% | 7,229 |
| Net loans and leases to core deposits | 44.4929% | 7,303 |
| Total domestic deposits to total assets | 87.5708% | 2,222 |
| Equity capital to assets | 11.5782% | 2,473 |
| Core capital (leverage) ratio | 11.2798% | 2,077 |
| Tier 1 risk-based capital ratio | 25.1106% | 857 |
| Total risk-based capital ratio | 26.2888% | 842 |
| Memoranda: | ||
| Average total assets | $64,563,500 | 6,119 |
| Average earning assets | $57,145,000 | 6,160 |
| Average equity | $7,199,000 | 6,043 |
| Average total loans | $26,453,000 | 6,683 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9759% | 7,384 |
| Cost of funding earning assets | 0.2754% | 7,725 |
| Net interest margin | 3.7005% | 4,365 |
| Noninterest income to average assets | 0.7935% | 2,152 |
| Noninterest expense to average assets | 3.5506% | 1,909 |
| Loan and lease loss provision to assets | 0.1482% | 5,418 |
| Net operating income to assets | 0.1547% | 5,707 |
| Return on assets (ROA) | 0.2871% | 5,382 |
| Pretax return on assets | 0.5372% | 4,790 |
| Return on Equity (ROE) | 2.6081% | 5,411 |
| Retained earnings to average equity (ytd only) | 2.1874% | 4,754 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1226% | 1,496 |
| Assets per employee ($millions) | 3.4556% | 5,025 |
| Cash dividends to net income (ytd only)* | 16.1290% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 4,998 |
| Loan loss allowance to noncurrent loans | 324.0000% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.3400% | 6,572 |
| Noncurrent loans to loans | 0.3974% | 6,447 |
| Net loans and leases to total assets | 35.9446% | 7,353 |
| Net loans and leases to deposits | 40.3607% | 7,436 |
| Net loans and leases to core deposits | 40.9016% | 7,472 |
| Total domestic deposits to total assets | 89.0583% | 1,401 |
| Equity capital to assets | 10.5278% | 3,376 |
| Core capital (leverage) ratio | 11.8788% | 1,712 |
| Tier 1 risk-based capital ratio | 24.0008% | 943 |
| Total risk-based capital ratio | 25.1067% | 936 |
| Memoranda: | ||
| Average total assets | $64,777,330 | 6,151 |
| Average earning assets | $56,641,000 | 6,216 |
| Average equity | $7,131,670 | 6,100 |
| Average total loans | $26,904,000 | 6,700 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1988% | 7,267 |
| Cost of funding earning assets | 0.3004% | 7,817 |
| Net interest margin | 3.8983% | 3,332 |
| Noninterest income to average assets | 0.8689% | 1,742 |
| Noninterest expense to average assets | 3.3605% | 2,344 |
| Loan and lease loss provision to assets | 0.2492% | 4,055 |
| Net operating income to assets | 0.2762% | 5,393 |
| Return on assets (ROA) | 0.3130% | 5,372 |
| Pretax return on assets | 0.6325% | 4,477 |
| Return on Equity (ROE) | 2.7764% | 5,442 |
| Retained earnings to average equity (ytd only) | 1.9265% | 4,974 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3053% | 2,518 |
| Assets per employee ($millions) | 2.7765% | 6,705 |
| Cash dividends to net income (ytd only)* | 30.6122% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 5,532 |
| Loan loss allowance to noncurrent loans | 315.0000% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.4888% | 6,265 |
| Noncurrent loans to loans | 0.3792% | 6,525 |
| Net loans and leases to total assets | 44.6910% | 6,935 |
| Net loans and leases to deposits | 50.9921% | 7,083 |
| Net loans and leases to core deposits | 52.0775% | 7,195 |
| Total domestic deposits to total assets | 87.6430% | 2,267 |
| Equity capital to assets | 12.0792% | 1,998 |
| Core capital (leverage) ratio | 12.4174% | 1,441 |
| Tier 1 risk-based capital ratio | 24.9002% | 880 |
| Total risk-based capital ratio | 26.0225% | 867 |
| Memoranda: | ||
| Average total assets | $62,610,000 | 6,281 |
| Average earning assets | $53,253,500 | 6,426 |
| Average equity | $7,059,500 | 6,174 |
| Average total loans | $27,773,000 | 6,731 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5199% | 7,365 |
| Cost of funding earning assets | 0.4005% | 7,875 |
| Net interest margin | 4.1195% | 2,366 |
| Noninterest income to average assets | 1.1138% | 1,239 |
| Noninterest expense to average assets | 3.9962% | 1,368 |
| Loan and lease loss provision to assets | 0.0510% | 7,056 |
| Net operating income to assets | 0.4353% | 3,986 |
| Return on assets (ROA) | 0.4353% | 4,105 |
| Pretax return on assets | 0.7227% | 3,497 |
| Return on Equity (ROE) | 3.7086% | 4,200 |
| Retained earnings to average equity (ytd only) | 2.0861% | 3,644 |
| Net charge-offs to loans | 0.0469% | 6,636 |
| Credit loss provision to net charge-offs | 230.7692% | 1,588 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 674 |
| Efficiency ratio | 83.7790% | 2,377 |
| Assets per employee ($millions) | 2.6765% | 6,898 |
| Cash dividends to net income (ytd only)* | 43.7500% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9461% | 6,648 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2765% | 6,761 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 43.1859% | 7,165 |
| Net loans and leases to deposits | 48.4110% | 7,339 |
| Net loans and leases to core deposits | 52.2002% | 7,517 |
| Total domestic deposits to total assets | 89.2069% | 1,385 |
| Equity capital to assets | 10.5749% | 3,101 |
| Core capital (leverage) ratio | 12.5020% | 1,455 |
| Tier 1 risk-based capital ratio | 21.9449% | 1,160 |
| Total risk-based capital ratio | 22.8158% | 1,181 |
| Memoranda: | ||
| Average total assets | $58,806,000 | 6,394 |
| Average earning assets | $52,191,200 | 6,451 |
| Average equity | $6,902,800 | 6,300 |
| Average total loans | $27,726,800 | 6,756 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5994% | 7,417 |
| Cost of funding earning assets | 0.4283% | 7,966 |
| Net interest margin | 4.1711% | 2,154 |
| Noninterest income to average assets | 1.1436% | 1,204 |
| Noninterest expense to average assets | 4.0624% | 1,195 |
| Loan and lease loss provision to assets | 0.0493% | 6,877 |
| Net operating income to assets | 0.4884% | 4,034 |
| Return on assets (ROA) | 0.4884% | 4,129 |
| Pretax return on assets | 0.8055% | 3,520 |
| Return on Equity (ROE) | 4.0430% | 4,360 |
| Retained earnings to average equity (ytd only) | 3.8485% | 3,141 |
| Net charge-offs to loans | 0.0633% | 6,066 |
| Credit loss provision to net charge-offs | 161.5385% | 2,928 |
| Earnings coverage of net charge-offs (x) | 28.0046% | 978 |
| Efficiency ratio | 82.6170% | 2,495 |
| Assets per employee ($millions) | 2.0722% | 7,738 |
| Cash dividends to net income (ytd only)* | 4.8065% | 3,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8002% | 7,117 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 53.6010% | 6,435 |
| Net loans and leases to deposits | 62.4885% | 6,630 |
| Net loans and leases to core deposits | 69.5765% | 6,986 |
| Total domestic deposits to total assets | 85.7774% | 2,818 |
| Equity capital to assets | 13.3501% | 1,554 |
| Core capital (leverage) ratio | 12.8577% | 1,426 |
| Tier 1 risk-based capital ratio | 21.8179% | 1,242 |
| Total risk-based capital ratio | 22.5152% | 1,309 |
| Memoranda: | ||
| Average total assets | $56,779,250 | 6,514 |
| Average earning assets | $51,367,500 | 6,525 |
| Average equity | $6,859,500 | 6,370 |
| Average total loans | $27,365,250 | 6,834 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4370% | 7,683 |
| Cost of funding earning assets | 0.4204% | 8,065 |
| Net interest margin | 4.0165% | 2,631 |
| Noninterest income to average assets | 1.1191% | 1,262 |
| Noninterest expense to average assets | 3.8469% | 1,576 |
| Loan and lease loss provision to assets | 0.0411% | 6,826 |
| Net operating income to assets | 0.5476% | 3,892 |
| Return on assets (ROA) | 0.5476% | 4,013 |
| Pretax return on assets | 0.8933% | 3,365 |
| Return on Equity (ROE) | 4.6779% | 4,222 |
| Retained earnings to average equity (ytd only) | 4.3855% | 2,860 |
| Net charge-offs to loans | 0.0957% | 5,216 |
| Credit loss provision to net charge-offs | 92.3077% | 4,855 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,283 |
| Efficiency ratio | 80.4581% | 2,969 |
| Assets per employee ($millions) | 2.4555% | 7,332 |
| Cash dividends to net income (ytd only)* | 6.2500% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7746% | 7,237 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 44.8638% | 7,274 |
| Net loans and leases to deposits | 50.7397% | 7,453 |
| Net loans and leases to core deposits | 55.5632% | 7,612 |
| Total domestic deposits to total assets | 88.4196% | 1,565 |
| Equity capital to assets | 11.2481% | 2,718 |
| Core capital (leverage) ratio | 12.2695% | 1,708 |
| Tier 1 risk-based capital ratio | 23.8193% | 1,058 |
| Total risk-based capital ratio | 24.5551% | 1,083 |
| Memoranda: | ||
| Average total assets | $58,437,330 | 6,497 |
| Average earning assets | $53,279,670 | 6,501 |
| Average equity | $6,840,670 | 6,429 |
| Average total loans | $27,156,330 | 6,904 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6557% | 7,567 |
| Cost of funding earning assets | 0.4632% | 8,113 |
| Net interest margin | 4.1925% | 1,924 |
| Noninterest income to average assets | 1.2570% | 906 |
| Noninterest expense to average assets | 3.9956% | 1,193 |
| Loan and lease loss provision to assets | 0.0211% | 6,633 |
| Net operating income to assets | 0.6180% | 3,950 |
| Return on assets (ROA) | 0.6180% | 4,136 |
| Pretax return on assets | 0.9901% | 3,390 |
| Return on Equity (ROE) | 5.1700% | 4,393 |
| Retained earnings to average equity (ytd only) | 4.5825% | 3,380 |
| Net charge-offs to loans | 0.0745% | 4,438 |
| Credit loss provision to net charge-offs | 60.0000% | 4,514 |
| Earnings coverage of net charge-offs (x) | 28.8000% | 1,092 |
| Efficiency ratio | 79.8036% | 2,848 |
| Assets per employee ($millions) | 2.2278% | 7,676 |
| Cash dividends to net income (ytd only)* | 11.3636% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7964% | 7,169 |
| Loan loss allowance to noncurrent loans | 105.4187% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.3645% | 6,415 |
| Noncurrent loans to loans | 0.7554% | 5,534 |
| Net loans and leases to total assets | 47.8634% | 7,039 |
| Net loans and leases to deposits | 54.9854% | 7,223 |
| Net loans and leases to core deposits | 60.0974% | 7,452 |
| Total domestic deposits to total assets | 87.0475% | 2,194 |
| Equity capital to assets | 12.3007% | 2,077 |
| Core capital (leverage) ratio | 13.0492% | 1,467 |
| Tier 1 risk-based capital ratio | 25.2873% | 954 |
| Total risk-based capital ratio | 26.0729% | 971 |
| Memoranda: | ||
| Average total assets | $56,962,000 | 6,583 |
| Average earning assets | $50,948,000 | 6,620 |
| Average equity | $6,808,500 | 6,478 |
| Average total loans | $26,856,500 | 6,948 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6887% | 6,810 |
| Cost of funding earning assets | 0.5974% | 8,175 |
| Net interest margin | 5.0913% | 415 |
| Noninterest income to average assets | 1.5794% | 562 |
| Noninterest expense to average assets | 4.6548% | 791 |
| Loan and lease loss provision to assets | 0.0119% | 7,219 |
| Net operating income to assets | 0.8932% | 3,033 |
| Return on assets (ROA) | 0.8932% | 2,872 |
| Pretax return on assets | 1.4223% | 1,899 |
| Return on Equity (ROE) | 6.7584% | 3,643 |
| Retained earnings to average equity (ytd only) | 4.2748% | 2,460 |
| Net charge-offs to loans | 0.0153% | 6,674 |
| Credit loss provision to net charge-offs | 150.0000% | 3,499 |
| Earnings coverage of net charge-offs (x) | 180.2500% | 256 |
| Efficiency ratio | 76.4456% | 3,160 |
| Assets per employee ($millions) | 2.2395% | 7,649 |
| Cash dividends to net income (ytd only)* | 36.7483% | 3,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8047% | 7,088 |
| Loan loss allowance to noncurrent loans | 106.4039% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 6,199 |
| Noncurrent loans to loans | 0.7563% | 5,144 |
| Net loans and leases to total assets | 45.7254% | 7,354 |
| Net loans and leases to deposits | 52.0213% | 7,535 |
| Net loans and leases to core deposits | 57.1646% | 7,702 |
| Total domestic deposits to total assets | 87.8976% | 1,513 |
| Equity capital to assets | 11.6198% | 2,555 |
| Core capital (leverage) ratio | 13.7094% | 1,328 |
| Tier 1 risk-based capital ratio | 24.6963% | 1,011 |
| Total risk-based capital ratio | 25.4796% | 1,043 |
| Memoranda: | ||
| Average total assets | $50,271,000 | 6,763 |
| Average earning assets | $44,526,800 | 6,836 |
| Average equity | $6,643,600 | 6,586 |
| Average total loans | $26,101,000 | 6,959 |