Home > Bank of Cave City > Performance and Condition Ratios
Bank of Cave City, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5711% | 1,075 |
| Cost of funding earning assets | 1.6479% | 1,576 |
| Net interest margin | 3.9231% | 1,330 |
| Noninterest income to average assets | 0.7300% | 1,109 |
| Noninterest expense to average assets | 3.1762% | 851 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.9673% | 2,316 |
| Return on assets (ROA) | 0.9673% | 2,302 |
| Pretax return on assets | 0.9782% | 2,729 |
| Return on Equity (ROE) | 21.6800% | 479 |
| Retained earnings to average equity (ytd only) | -0.3336% | 4,129 |
| Net charge-offs to loans | 0.0797% | 1,066 |
| Credit loss provision to net charge-offs | 192.7083% | 1,251 |
| Earnings coverage of net charge-offs (x) | 19.9792% | 1,881 |
| Efficiency ratio | 74.3136% | 1,423 |
| Assets per employee ($millions) | 4.5150% | 3,944 |
| Cash dividends to net income (ytd only)* | 101.5385% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 1,954 |
| Loan loss allowance to noncurrent loans | 175.2232% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.9253% | 541 |
| Noncurrent loans to loans | 0.7206% | 1,084 |
| Net loans and leases to total assets | 67.9800% | 2,039 |
| Net loans and leases to deposits | 81.9477% | 1,951 |
| Net loans and leases to core deposits | 93.0214% | 1,842 |
| Total domestic deposits to total assets | 82.9600% | 2,901 |
| Equity capital to assets | 4.5980% | 4,459 |
| Core capital (leverage) ratio | 7.9987% | 4,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1993% | 369 |
| Memoranda: | ||
| Average total assets | $174,707,200 | 3,168 |
| Average earning assets | $157,833,600 | 3,181 |
| Average equity | $7,793,600 | 3,953 |
| Average total loans | $120,519,800 | 2,949 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4162% | 1,112 |
| Cost of funding earning assets | 1.4796% | 1,666 |
| Net interest margin | 3.9365% | 1,330 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 3.1710% | 850 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.9859% | 2,409 |
| Return on assets (ROA) | 0.9859% | 2,395 |
| Pretax return on assets | 0.9929% | 2,877 |
| Return on Equity (ROE) | 22.2800% | 539 |
| Retained earnings to average equity (ytd only) | 2.8697% | 3,542 |
| Net charge-offs to loans | 0.0870% | 867 |
| Credit loss provision to net charge-offs | 179.4872% | 1,194 |
| Earnings coverage of net charge-offs (x) | 18.6410% | 1,855 |
| Efficiency ratio | 73.9146% | 1,367 |
| Assets per employee ($millions) | 4.5228% | 3,927 |
| Cash dividends to net income (ytd only)* | 87.1194% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 2,229 |
| Loan loss allowance to noncurrent loans | 207.9515% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.8612% | 632 |
| Noncurrent loans to loans | 0.5905% | 1,359 |
| Net loans and leases to total assets | 70.3600% | 1,782 |
| Net loans and leases to deposits | 86.1979% | 1,547 |
| Net loans and leases to core deposits | 96.7998% | 1,515 |
| Total domestic deposits to total assets | 81.6200% | 3,288 |
| Equity capital to assets | 3.7848% | 4,421 |
| Core capital (leverage) ratio | 8.1985% | 4,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2994% | 1,475 |
| Memoranda: | ||
| Average total assets | $173,234,250 | 3,184 |
| Average earning assets | $156,884,750 | 3,202 |
| Average equity | $7,666,000 | 3,971 |
| Average total loans | $119,562,500 | 2,963 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2645% | 1,123 |
| Cost of funding earning assets | 1.3229% | 1,649 |
| Net interest margin | 3.9417% | 1,346 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 3.1246% | 875 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.0350% | 2,300 |
| Return on assets (ROA) | 1.0350% | 2,299 |
| Pretax return on assets | 1.0350% | 2,817 |
| Return on Equity (ROE) | 22.2900% | 525 |
| Retained earnings to average equity (ytd only) | 6.3282% | 2,504 |
| Net charge-offs to loans | 0.0374% | 1,159 |
| Credit loss provision to net charge-offs | 427.2727% | 706 |
| Earnings coverage of net charge-offs (x) | 45.8636% | 1,330 |
| Efficiency ratio | 72.7224% | 1,486 |
| Assets per employee ($millions) | 4.5188% | 3,939 |
| Cash dividends to net income (ytd only)* | 71.6049% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 2,144 |
| Loan loss allowance to noncurrent loans | 83.3065% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 1.2046% | 338 |
| Noncurrent loans to loans | 1.5088% | 437 |
| Net loans and leases to total assets | 69.1800% | 1,830 |
| Net loans and leases to deposits | 85.2691% | 1,566 |
| Net loans and leases to core deposits | 94.2035% | 1,556 |
| Total domestic deposits to total assets | 81.1300% | 3,409 |
| Equity capital to assets | 4.5309% | 4,438 |
| Core capital (leverage) ratio | 8.3094% | 4,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5328% | 1,210 |
| Memoranda: | ||
| Average total assets | $172,182,000 | 3,200 |
| Average earning assets | $156,328,667 | 3,215 |
| Average equity | $7,996,000 | 3,952 |
| Average total loans | $117,533,667 | 2,977 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0010% | 1,228 |
| Cost of funding earning assets | 1.1344% | 1,652 |
| Net interest margin | 3.8667% | 1,550 |
| Noninterest income to average assets | 0.7500% | 973 |
| Noninterest expense to average assets | 3.1571% | 852 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 0.8886% | 2,893 |
| Return on assets (ROA) | 0.8886% | 2,845 |
| Pretax return on assets | 0.9239% | 3,178 |
| Return on Equity (ROE) | 18.9000% | 899 |
| Retained earnings to average equity (ytd only) | -11.0979% | 4,497 |
| Net charge-offs to loans | 0.0175% | 1,336 |
| Credit loss provision to net charge-offs | 1,000.0000% | 351 |
| Earnings coverage of net charge-offs (x) | 93.4000% | 821 |
| Efficiency ratio | 74.1989% | 1,320 |
| Assets per employee ($millions) | 4.6023% | 3,964 |
| Cash dividends to net income (ytd only)* | 158.7302% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 2,094 |
| Loan loss allowance to noncurrent loans | 78.6193% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 1.2631% | 283 |
| Noncurrent loans to loans | 1.6383% | 389 |
| Net loans and leases to total assets | 66.8700% | 1,960 |
| Net loans and leases to deposits | 80.3830% | 1,789 |
| Net loans and leases to core deposits | 88.1437% | 1,729 |
| Total domestic deposits to total assets | 83.1900% | 3,257 |
| Equity capital to assets | 4.6584% | 4,469 |
| Core capital (leverage) ratio | 8.3029% | 4,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5743% | 1,769 |
| Memoranda: | ||
| Average total assets | $170,155,500 | 3,260 |
| Average earning assets | $154,448,500 | 3,271 |
| Average equity | $8,001,500 | 4,000 |
| Average total loans | $114,563,500 | 3,041 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4991% | 721 |
| Cost of funding earning assets | 0.6220% | 822 |
| Net interest margin | 3.8770% | 1,010 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 3.1751% | 751 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 0.9749% | 2,654 |
| Return on assets (ROA) | 0.9749% | 2,602 |
| Pretax return on assets | 1.0133% | 3,039 |
| Return on Equity (ROE) | 16.8600% | 883 |
| Retained earnings to average equity (ytd only) | 3.9975% | 3,398 |
| Net charge-offs to loans | 0.0863% | 805 |
| Credit loss provision to net charge-offs | 247.1264% | 1,002 |
| Earnings coverage of net charge-offs (x) | 21.2644% | 1,863 |
| Efficiency ratio | 73.4691% | 1,273 |
| Assets per employee ($millions) | 4.3533% | 4,109 |
| Cash dividends to net income (ytd only)* | 76.2873% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3384% | 1,728 |
| Loan loss allowance to noncurrent loans | 76.4979% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 1.3335% | 267 |
| Noncurrent loans to loans | 1.7496% | 346 |
| Net loans and leases to total assets | 65.9900% | 2,044 |
| Net loans and leases to deposits | 77.5262% | 1,995 |
| Net loans and leases to core deposits | 83.6052% | 1,897 |
| Total domestic deposits to total assets | 85.1200% | 2,964 |
| Equity capital to assets | 4.7490% | 4,424 |
| Core capital (leverage) ratio | 8.7777% | 3,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5353% | 1,226 |
| Memoranda: | ||
| Average total assets | $161,350,000 | 3,334 |
| Average earning assets | $146,452,600 | 3,358 |
| Average equity | $9,330,800 | 3,960 |
| Average total loans | $100,818,800 | 3,142 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3712% | 618 |
| Cost of funding earning assets | 0.5617% | 543 |
| Net interest margin | 3.8094% | 940 |
| Noninterest income to average assets | 0.7800% | 1,070 |
| Noninterest expense to average assets | 2.9463% | 980 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.1584% | 1,861 |
| Return on assets (ROA) | 1.1584% | 1,837 |
| Pretax return on assets | 1.2166% | 2,307 |
| Return on Equity (ROE) | 19.1500% | 518 |
| Retained earnings to average equity (ytd only) | 2.6530% | 3,874 |
| Net charge-offs to loans | 0.0285% | 1,263 |
| Credit loss provision to net charge-offs | 447.6190% | 656 |
| Earnings coverage of net charge-offs (x) | 74.1429% | 1,085 |
| Efficiency ratio | 69.4706% | 1,827 |
| Assets per employee ($millions) | 4.3872% | 4,127 |
| Cash dividends to net income (ytd only)* | 86.1450% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3374% | 1,854 |
| Loan loss allowance to noncurrent loans | 68.6898% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 1.4471% | 241 |
| Noncurrent loans to loans | 1.9470% | 310 |
| Net loans and leases to total assets | 64.8100% | 2,002 |
| Net loans and leases to deposits | 74.1932% | 2,031 |
| Net loans and leases to core deposits | 77.8440% | 2,047 |
| Total domestic deposits to total assets | 87.3500% | 2,644 |
| Equity capital to assets | 4.0955% | 4,468 |
| Core capital (leverage) ratio | 8.7357% | 3,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9665% | 1,183 |
| Memoranda: | ||
| Average total assets | $160,331,500 | 3,363 |
| Average earning assets | $145,495,250 | 3,394 |
| Average equity | $9,699,500 | 3,951 |
| Average total loans | $98,360,750 | 3,183 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2469% | 570 |
| Cost of funding earning assets | 0.5419% | 413 |
| Net interest margin | 3.7050% | 904 |
| Noninterest income to average assets | 0.7704% | 1,123 |
| Noninterest expense to average assets | 2.8885% | 1,010 |
| Loan and lease loss provision to assets | 0.0777% | 1,248 |
| Net operating income to assets | 1.1286% | 1,672 |
| Return on assets (ROA) | 1.1286% | 1,648 |
| Pretax return on assets | 1.1699% | 2,171 |
| Return on Equity (ROE) | 16.8149% | 587 |
| Retained earnings to average equity (ytd only) | 5.6174% | 2,465 |
| Net charge-offs to loans | 0.0293% | 1,140 |
| Credit loss provision to net charge-offs | 442.8571% | 665 |
| Earnings coverage of net charge-offs (x) | 71.1429% | 994 |
| Efficiency ratio | 69.8365% | 1,983 |
| Assets per employee ($millions) | 4.2558% | 4,234 |
| Cash dividends to net income (ytd only)* | 66.5927% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4106% | 1,713 |
| Loan loss allowance to noncurrent loans | 146.8063% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.7824% | 664 |
| Noncurrent loans to loans | 0.9609% | 870 |
| Net loans and leases to total assets | 62.2276% | 2,099 |
| Net loans and leases to deposits | 69.2168% | 2,284 |
| Net loans and leases to core deposits | 72.4261% | 2,294 |
| Total domestic deposits to total assets | 89.9025% | 1,749 |
| Equity capital to assets | 5.3079% | 4,418 |
| Core capital (leverage) ratio | 8.9675% | 3,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7227% | 1,247 |
| Memoranda: | ||
| Average total assets | $159,666,667 | 3,412 |
| Average earning assets | $145,047,000 | 3,446 |
| Average equity | $10,716,667 | 3,910 |
| Average total loans | $95,605,667 | 3,244 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0504% | 697 |
| Cost of funding earning assets | 0.5477% | 381 |
| Net interest margin | 3.5027% | 1,085 |
| Noninterest income to average assets | 0.7663% | 1,127 |
| Noninterest expense to average assets | 2.8687% | 1,019 |
| Loan and lease loss provision to assets | 0.0771% | 1,065 |
| Net operating income to assets | 1.0027% | 1,876 |
| Return on assets (ROA) | 1.0027% | 1,867 |
| Pretax return on assets | 1.0027% | 2,431 |
| Return on Equity (ROE) | 13.5508% | 921 |
| Retained earnings to average equity (ytd only) | -6.6241% | 4,481 |
| Net charge-offs to loans | 0.0171% | 1,191 |
| Credit loss provision to net charge-offs | 775.0000% | 400 |
| Earnings coverage of net charge-offs (x) | 108.5000% | 652 |
| Efficiency ratio | 72.6528% | 1,890 |
| Assets per employee ($millions) | 4.3538% | 4,227 |
| Cash dividends to net income (ytd only)* | 148.8834% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4556% | 1,696 |
| Loan loss allowance to noncurrent loans | 167.9659% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.6890% | 824 |
| Noncurrent loans to loans | 0.8666% | 1,081 |
| Net loans and leases to total assets | 57.9520% | 2,304 |
| Net loans and leases to deposits | 65.1500% | 2,416 |
| Net loans and leases to core deposits | 68.9305% | 2,375 |
| Total domestic deposits to total assets | 88.9517% | 2,109 |
| Equity capital to assets | 6.4019% | 4,464 |
| Core capital (leverage) ratio | 8.5995% | 3,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3413% | 1,178 |
| Memoranda: | ||
| Average total assets | $160,768,000 | 3,413 |
| Average earning assets | $146,059,500 | 3,450 |
| Average equity | $11,896,000 | 3,871 |
| Average total loans | $93,714,500 | 3,275 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3823% | 737 |
| Cost of funding earning assets | 0.6373% | 453 |
| Net interest margin | 3.7450% | 1,110 |
| Noninterest income to average assets | 0.7934% | 1,461 |
| Noninterest expense to average assets | 3.0073% | 969 |
| Loan and lease loss provision to assets | 0.0644% | 1,777 |
| Net operating income to assets | 1.1083% | 2,264 |
| Return on assets (ROA) | 1.1083% | 2,321 |
| Pretax return on assets | 1.1083% | 2,939 |
| Return on Equity (ROE) | 13.1042% | 1,429 |
| Retained earnings to average equity (ytd only) | 10.5306% | 800 |
| Net charge-offs to loans | 0.0131% | 2,074 |
| Credit loss provision to net charge-offs | 833.3333% | 590 |
| Earnings coverage of net charge-offs (x) | 151.7500% | 654 |
| Efficiency ratio | 71.9458% | 1,519 |
| Assets per employee ($millions) | 4.3363% | 4,249 |
| Cash dividends to net income (ytd only)* | 19.6397% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 1,698 |
| Loan loss allowance to noncurrent loans | 162.4250% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.7006% | 905 |
| Noncurrent loans to loans | 0.8987% | 1,125 |
| Net loans and leases to total assets | 56.9301% | 2,485 |
| Net loans and leases to deposits | 65.3449% | 2,564 |
| Net loans and leases to core deposits | 68.5718% | 2,599 |
| Total domestic deposits to total assets | 87.1226% | 2,461 |
| Equity capital to assets | 8.4011% | 4,114 |
| Core capital (leverage) ratio | 8.9052% | 3,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1888% | 1,219 |
| Memoranda: | ||
| Average total assets | $155,289,800 | 3,437 |
| Average earning assets | $140,428,400 | 3,466 |
| Average equity | $13,133,200 | 3,817 |
| Average total loans | $91,710,400 | 3,314 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4476% | 743 |
| Cost of funding earning assets | 0.6648% | 464 |
| Net interest margin | 3.7827% | 1,154 |
| Noninterest income to average assets | 0.7913% | 1,551 |
| Noninterest expense to average assets | 2.9090% | 1,114 |
| Loan and lease loss provision to assets | 0.0864% | 1,378 |
| Net operating income to assets | 1.2095% | 2,138 |
| Return on assets (ROA) | 1.2095% | 2,194 |
| Pretax return on assets | 1.2095% | 2,896 |
| Return on Equity (ROE) | 14.2765% | 1,322 |
| Retained earnings to average equity (ytd only) | 11.4355% | 961 |
| Net charge-offs to loans | 0.0029% | 2,249 |
| Credit loss provision to net charge-offs | 5,000.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 748.5000% | 213 |
| Efficiency ratio | 69.1785% | 1,686 |
| Assets per employee ($millions) | 3.7223% | 4,567 |
| Cash dividends to net income (ytd only)* | 19.8998% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5064% | 1,604 |
| Loan loss allowance to noncurrent loans | 157.7546% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.7407% | 993 |
| Noncurrent loans to loans | 0.9549% | 1,205 |
| Net loans and leases to total assets | 57.0025% | 2,614 |
| Net loans and leases to deposits | 65.7959% | 2,645 |
| Net loans and leases to core deposits | 69.2593% | 2,660 |
| Total domestic deposits to total assets | 86.6353% | 2,496 |
| Equity capital to assets | 8.6026% | 4,130 |
| Core capital (leverage) ratio | 8.8210% | 3,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5479% | 1,238 |
| Memoranda: | ||
| Average total assets | $154,001,250 | 3,485 |
| Average earning assets | $138,978,500 | 3,517 |
| Average equity | $13,046,750 | 3,876 |
| Average total loans | $91,464,500 | 3,357 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4314% | 819 |
| Cost of funding earning assets | 0.6871% | 496 |
| Net interest margin | 3.7443% | 1,232 |
| Noninterest income to average assets | 0.8158% | 1,495 |
| Noninterest expense to average assets | 2.8690% | 1,213 |
| Loan and lease loss provision to assets | 0.1305% | 951 |
| Net operating income to assets | 1.1878% | 2,235 |
| Return on assets (ROA) | 1.1878% | 2,300 |
| Pretax return on assets | 1.1878% | 2,947 |
| Return on Equity (ROE) | 14.0947% | 1,385 |
| Retained earnings to average equity (ytd only) | 9.7888% | 1,466 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5162% | 1,813 |
| Assets per employee ($millions) | 4.2425% | 4,300 |
| Cash dividends to net income (ytd only)* | 30.5495% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5107% | 1,552 |
| Loan loss allowance to noncurrent loans | 160.3995% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.7307% | 1,129 |
| Noncurrent loans to loans | 0.9418% | 1,311 |
| Net loans and leases to total assets | 56.6920% | 2,816 |
| Net loans and leases to deposits | 66.7081% | 2,756 |
| Net loans and leases to core deposits | 71.1186% | 2,677 |
| Total domestic deposits to total assets | 84.9851% | 3,100 |
| Equity capital to assets | 8.3487% | 4,327 |
| Core capital (leverage) ratio | 8.4982% | 3,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2373% | 1,280 |
| Memoranda: | ||
| Average total assets | $153,222,667 | 3,501 |
| Average earning assets | $137,971,333 | 3,540 |
| Average equity | $12,912,667 | 3,897 |
| Average total loans | $91,793,000 | 3,373 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3084% | 1,026 |
| Cost of funding earning assets | 0.7019% | 546 |
| Net interest margin | 3.6065% | 1,566 |
| Noninterest income to average assets | 0.8774% | 1,388 |
| Noninterest expense to average assets | 2.8121% | 1,342 |
| Loan and lease loss provision to assets | 0.1982% | 616 |
| Net operating income to assets | 1.1127% | 2,431 |
| Return on assets (ROA) | 1.1127% | 2,512 |
| Pretax return on assets | 1.1127% | 3,081 |
| Return on Equity (ROE) | 13.1393% | 1,636 |
| Retained earnings to average equity (ytd only) | 6.4604% | 2,745 |
| Net charge-offs to loans | 0.0043% | 1,762 |
| Credit loss provision to net charge-offs | 7,500.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 496.0000% | 193 |
| Efficiency ratio | 68.2051% | 1,907 |
| Assets per employee ($millions) | 4.1579% | 4,377 |
| Cash dividends to net income (ytd only)* | 50.8314% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4567% | 1,748 |
| Loan loss allowance to noncurrent loans | 153.7931% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.8041% | 1,111 |
| Noncurrent loans to loans | 0.9472% | 1,432 |
| Net loans and leases to total assets | 58.8370% | 2,699 |
| Net loans and leases to deposits | 69.2505% | 2,578 |
| Net loans and leases to core deposits | 73.9160% | 2,523 |
| Total domestic deposits to total assets | 84.9625% | 3,114 |
| Equity capital to assets | 8.2006% | 4,363 |
| Core capital (leverage) ratio | 8.5318% | 4,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9247% | 1,314 |
| Memoranda: | ||
| Average total assets | $151,348,500 | 3,514 |
| Average earning assets | $136,198,500 | 3,562 |
| Average equity | $12,816,500 | 3,914 |
| Average total loans | $92,512,000 | 3,371 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7949% | 745 |
| Cost of funding earning assets | 0.8678% | 957 |
| Net interest margin | 3.9272% | 1,142 |
| Noninterest income to average assets | 0.7907% | 1,557 |
| Noninterest expense to average assets | 3.0796% | 1,273 |
| Loan and lease loss provision to assets | 0.3093% | 1,208 |
| Net operating income to assets | 0.9179% | 2,619 |
| Return on assets (ROA) | 0.9381% | 2,674 |
| Pretax return on assets | 0.9381% | 3,257 |
| Return on Equity (ROE) | 10.4163% | 1,840 |
| Retained earnings to average equity (ytd only) | 8.4904% | 912 |
| Net charge-offs to loans | 0.1034% | 1,434 |
| Credit loss provision to net charge-offs | 450.5263% | 1,334 |
| Earnings coverage of net charge-offs (x) | 17.8737% | 2,050 |
| Efficiency ratio | 71.5053% | 1,745 |
| Assets per employee ($millions) | 3.8168% | 4,494 |
| Cash dividends to net income (ytd only)* | 18.4900% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 2,161 |
| Loan loss allowance to noncurrent loans | 189.3713% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.6678% | 1,566 |
| Noncurrent loans to loans | 0.7170% | 1,908 |
| Net loans and leases to total assets | 61.7413% | 2,644 |
| Net loans and leases to deposits | 73.3322% | 2,556 |
| Net loans and leases to core deposits | 78.4916% | 2,512 |
| Total domestic deposits to total assets | 84.1940% | 3,052 |
| Equity capital to assets | 8.7448% | 4,258 |
| Core capital (leverage) ratio | 8.6092% | 4,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2576% | 1,200 |
| Memoranda: | ||
| Average total assets | $138,363,400 | 3,532 |
| Average earning assets | $123,880,800 | 3,583 |
| Average equity | $12,461,200 | 3,927 |
| Average total loans | $91,899,800 | 3,371 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8357% | 834 |
| Cost of funding earning assets | 0.9011% | 1,068 |
| Net interest margin | 3.9346% | 1,270 |
| Noninterest income to average assets | 0.8054% | 1,479 |
| Noninterest expense to average assets | 3.0931% | 1,248 |
| Loan and lease loss provision to assets | 0.3713% | 995 |
| Net operating income to assets | 0.8663% | 2,840 |
| Return on assets (ROA) | 0.8821% | 2,894 |
| Pretax return on assets | 0.8821% | 3,428 |
| Return on Equity (ROE) | 9.7166% | 2,126 |
| Retained earnings to average equity (ytd only) | 8.6346% | 1,099 |
| Net charge-offs to loans | 0.1354% | 1,071 |
| Credit loss provision to net charge-offs | 406.4516% | 1,450 |
| Earnings coverage of net charge-offs (x) | 13.5484% | 2,196 |
| Efficiency ratio | 71.4221% | 1,706 |
| Assets per employee ($millions) | 3.8077% | 4,472 |
| Cash dividends to net income (ytd only)* | 11.1359% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 2,194 |
| Loan loss allowance to noncurrent loans | 196.7638% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.6642% | 1,737 |
| Noncurrent loans to loans | 0.6557% | 2,150 |
| Net loans and leases to total assets | 64.2989% | 2,735 |
| Net loans and leases to deposits | 77.1219% | 2,639 |
| Net loans and leases to core deposits | 83.0004% | 2,585 |
| Total domestic deposits to total assets | 83.3731% | 3,035 |
| Equity capital to assets | 8.9113% | 4,175 |
| Core capital (leverage) ratio | 8.6536% | 4,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8856% | 1,280 |
| Memoranda: | ||
| Average total assets | $135,740,500 | 3,556 |
| Average earning assets | $121,620,250 | 3,598 |
| Average equity | $12,322,250 | 3,946 |
| Average total loans | $91,582,250 | 3,392 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8857% | 1,000 |
| Cost of funding earning assets | 0.9374% | 1,201 |
| Net interest margin | 3.9483% | 1,448 |
| Noninterest income to average assets | 0.8000% | 1,438 |
| Noninterest expense to average assets | 3.1064% | 1,341 |
| Loan and lease loss provision to assets | 0.4565% | 842 |
| Net operating income to assets | 0.7713% | 3,153 |
| Return on assets (ROA) | 0.7954% | 3,173 |
| Pretax return on assets | 0.7954% | 3,601 |
| Return on Equity (ROE) | 8.7045% | 2,491 |
| Retained earnings to average equity (ytd only) | 7.0559% | 1,639 |
| Net charge-offs to loans | 0.1014% | 1,259 |
| Credit loss provision to net charge-offs | 658.6957% | 1,039 |
| Earnings coverage of net charge-offs (x) | 17.7174% | 1,806 |
| Efficiency ratio | 71.6719% | 1,738 |
| Assets per employee ($millions) | 3.7833% | 4,483 |
| Cash dividends to net income (ytd only)* | 18.9394% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2682% | 2,162 |
| Loan loss allowance to noncurrent loans | 116.0000% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.9001% | 1,360 |
| Noncurrent loans to loans | 1.0933% | 1,434 |
| Net loans and leases to total assets | 66.1271% | 2,609 |
| Net loans and leases to deposits | 79.7749% | 2,450 |
| Net loans and leases to core deposits | 87.1989% | 2,330 |
| Total domestic deposits to total assets | 82.8921% | 3,115 |
| Equity capital to assets | 8.9826% | 4,107 |
| Core capital (leverage) ratio | 8.7403% | 4,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3197% | 1,410 |
| Memoranda: | ||
| Average total assets | $132,756,333 | 3,566 |
| Average earning assets | $118,835,667 | 3,611 |
| Average equity | $12,131,667 | 3,969 |
| Average total loans | $90,692,333 | 3,397 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9208% | 1,145 |
| Cost of funding earning assets | 0.9578% | 1,618 |
| Net interest margin | 3.9630% | 1,492 |
| Noninterest income to average assets | 0.8518% | 1,163 |
| Noninterest expense to average assets | 3.1593% | 1,510 |
| Loan and lease loss provision to assets | 0.7062% | 373 |
| Net operating income to assets | 0.5234% | 3,830 |
| Return on assets (ROA) | 0.5420% | 3,828 |
| Pretax return on assets | 0.5420% | 4,049 |
| Return on Equity (ROE) | 5.8772% | 3,363 |
| Retained earnings to average equity (ytd only) | 5.8772% | 1,926 |
| Net charge-offs to loans | 0.2557% | 575 |
| Credit loss provision to net charge-offs | 400.0000% | 996 |
| Earnings coverage of net charge-offs (x) | 6.9649% | 1,954 |
| Efficiency ratio | 71.9831% | 2,079 |
| Assets per employee ($millions) | 3.3677% | 4,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 2,552 |
| Loan loss allowance to noncurrent loans | 78.1161% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.2274% | 992 |
| Noncurrent loans to loans | 1.5637% | 1,000 |
| Net loans and leases to total assets | 67.9105% | 2,553 |
| Net loans and leases to deposits | 82.6841% | 2,362 |
| Net loans and leases to core deposits | 90.5540% | 2,290 |
| Total domestic deposits to total assets | 82.1325% | 3,377 |
| Equity capital to assets | 9.2372% | 4,443 |
| Core capital (leverage) ratio | 9.1277% | 4,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2808% | 1,533 |
| Memoranda: | ||
| Average total assets | $129,143,500 | 3,593 |
| Average earning assets | $115,265,000 | 3,631 |
| Average equity | $11,910,500 | 4,006 |
| Average total loans | $89,161,000 | 3,415 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3639% | 720 |
| Cost of funding earning assets | 0.9495% | 1,960 |
| Net interest margin | 4.4144% | 870 |
| Noninterest income to average assets | 0.9215% | 1,140 |
| Noninterest expense to average assets | 3.4802% | 990 |
| Loan and lease loss provision to assets | 0.2251% | 858 |
| Net operating income to assets | 1.1232% | 2,358 |
| Return on assets (ROA) | 1.1232% | 2,457 |
| Pretax return on assets | 1.1232% | 3,101 |
| Return on Equity (ROE) | 12.3762% | 1,374 |
| Retained earnings to average equity (ytd only) | 11.8229% | 255 |
| Net charge-offs to loans | 0.1457% | 1,350 |
| Credit loss provision to net charge-offs | 218.6992% | 1,213 |
| Earnings coverage of net charge-offs (x) | 13.0976% | 2,375 |
| Efficiency ratio | 72.0749% | 1,855 |
| Assets per employee ($millions) | 3.0963% | 4,767 |
| Cash dividends to net income (ytd only)* | 4.4709% | 3,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0588% | 3,170 |
| Loan loss allowance to noncurrent loans | 80.9731% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.0886% | 1,130 |
| Noncurrent loans to loans | 1.3076% | 1,151 |
| Net loans and leases to total assets | 68.6060% | 2,598 |
| Net loans and leases to deposits | 83.9598% | 2,339 |
| Net loans and leases to core deposits | 94.1923% | 2,044 |
| Total domestic deposits to total assets | 81.7130% | 3,586 |
| Equity capital to assets | 9.2077% | 4,563 |
| Core capital (leverage) ratio | 9.2677% | 4,310 |
| Tier 1 risk-based capital ratio | 15.2673% | 2,671 |
| Total risk-based capital ratio | 16.4975% | 2,612 |
| Memoranda: | ||
| Average total assets | $119,476,400 | 3,714 |
| Average earning assets | $105,744,600 | 3,784 |
| Average equity | $10,843,400 | 4,143 |
| Average total loans | $84,448,600 | 3,518 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2809% | 901 |
| Cost of funding earning assets | 0.9319% | 2,075 |
| Net interest margin | 4.3490% | 1,057 |
| Noninterest income to average assets | 0.9285% | 1,081 |
| Noninterest expense to average assets | 3.4759% | 974 |
| Loan and lease loss provision to assets | 0.2369% | 710 |
| Net operating income to assets | 1.0566% | 2,755 |
| Return on assets (ROA) | 1.0566% | 2,835 |
| Pretax return on assets | 1.0566% | 3,426 |
| Return on Equity (ROE) | 11.6877% | 1,722 |
| Retained earnings to average equity (ytd only) | 11.6877% | 420 |
| Net charge-offs to loans | 0.1213% | 1,288 |
| Credit loss provision to net charge-offs | 275.0000% | 1,008 |
| Earnings coverage of net charge-offs (x) | 15.0133% | 2,216 |
| Efficiency ratio | 72.8785% | 1,719 |
| Assets per employee ($millions) | 3.2961% | 4,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 3,411 |
| Loan loss allowance to noncurrent loans | 115.5975% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.8208% | 1,682 |
| Noncurrent loans to loans | 0.8884% | 1,803 |
| Net loans and leases to total assets | 72.6202% | 2,066 |
| Net loans and leases to deposits | 89.5472% | 1,755 |
| Net loans and leases to core deposits | 102.2136% | 1,479 |
| Total domestic deposits to total assets | 81.0971% | 3,726 |
| Equity capital to assets | 9.2977% | 4,597 |
| Core capital (leverage) ratio | 9.5623% | 4,103 |
| Tier 1 risk-based capital ratio | 15.1675% | 2,771 |
| Total risk-based capital ratio | 16.4102% | 2,705 |
| Memoranda: | ||
| Average total assets | $117,608,500 | 3,779 |
| Average earning assets | $103,868,000 | 3,849 |
| Average equity | $10,632,000 | 4,209 |
| Average total loans | $83,554,250 | 3,569 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2093% | 965 |
| Cost of funding earning assets | 0.9061% | 2,110 |
| Net interest margin | 4.3033% | 1,137 |
| Noninterest income to average assets | 0.7645% | 1,465 |
| Noninterest expense to average assets | 3.4935% | 967 |
| Loan and lease loss provision to assets | 0.2393% | 657 |
| Net operating income to assets | 0.8178% | 3,594 |
| Return on assets (ROA) | 0.8178% | 3,647 |
| Pretax return on assets | 0.8178% | 4,049 |
| Return on Equity (ROE) | 9.1378% | 2,802 |
| Retained earnings to average equity (ytd only) | 9.1378% | 995 |
| Net charge-offs to loans | 0.0956% | 1,407 |
| Credit loss provision to net charge-offs | 356.4103% | 796 |
| Earnings coverage of net charge-offs (x) | 15.7436% | 1,970 |
| Efficiency ratio | 76.7688% | 1,302 |
| Assets per employee ($millions) | 2.8893% | 4,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 3,392 |
| Loan loss allowance to noncurrent loans | 82.4349% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.0721% | 1,274 |
| Noncurrent loans to loans | 1.2618% | 1,259 |
| Net loans and leases to total assets | 71.2361% | 2,335 |
| Net loans and leases to deposits | 88.1014% | 1,998 |
| Net loans and leases to core deposits | 97.6781% | 1,910 |
| Total domestic deposits to total assets | 80.8570% | 3,862 |
| Equity capital to assets | 9.1254% | 4,717 |
| Core capital (leverage) ratio | 9.2803% | 4,378 |
| Tier 1 risk-based capital ratio | 14.7912% | 2,918 |
| Total risk-based capital ratio | 16.0105% | 2,868 |
| Memoranda: | ||
| Average total assets | $116,159,670 | 3,821 |
| Average earning assets | $102,201,000 | 3,895 |
| Average equity | $10,396,330 | 4,252 |
| Average total loans | $81,578,000 | 3,628 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1417% | 1,022 |
| Cost of funding earning assets | 0.8781% | 2,109 |
| Net interest margin | 4.2635% | 1,163 |
| Noninterest income to average assets | 0.9460% | 927 |
| Noninterest expense to average assets | 3.4571% | 1,028 |
| Loan and lease loss provision to assets | 0.2748% | 495 |
| Net operating income to assets | 0.9460% | 3,064 |
| Return on assets (ROA) | 0.9460% | 3,108 |
| Pretax return on assets | 0.9460% | 3,626 |
| Return on Equity (ROE) | 10.6777% | 2,090 |
| Retained earnings to average equity (ytd only) | 10.6777% | 886 |
| Net charge-offs to loans | 0.1656% | 820 |
| Credit loss provision to net charge-offs | 239.3939% | 951 |
| Earnings coverage of net charge-offs (x) | 10.6364% | 1,950 |
| Efficiency ratio | 73.9033% | 1,764 |
| Assets per employee ($millions) | 2.9694% | 4,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 3,496 |
| Loan loss allowance to noncurrent loans | 73.8475% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 1.1813% | 1,137 |
| Noncurrent loans to loans | 1.4018% | 1,152 |
| Net loans and leases to total assets | 68.7665% | 2,654 |
| Net loans and leases to deposits | 85.3107% | 2,213 |
| Net loans and leases to core deposits | 93.7070% | 2,155 |
| Total domestic deposits to total assets | 80.6071% | 4,051 |
| Equity capital to assets | 9.0367% | 4,653 |
| Core capital (leverage) ratio | 9.2253% | 4,441 |
| Tier 1 risk-based capital ratio | 15.3338% | 2,734 |
| Total risk-based capital ratio | 16.5437% | 2,661 |
| Memoranda: | ||
| Average total assets | $115,009,000 | 3,874 |
| Average earning assets | $100,668,000 | 3,962 |
| Average equity | $10,189,500 | 4,301 |
| Average total loans | $79,730,000 | 3,700 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1104% | 823 |
| Cost of funding earning assets | 0.6918% | 2,145 |
| Net interest margin | 4.4186% | 898 |
| Noninterest income to average assets | 0.9629% | 1,033 |
| Noninterest expense to average assets | 3.4196% | 1,120 |
| Loan and lease loss provision to assets | 0.2254% | 790 |
| Net operating income to assets | 1.1414% | 2,427 |
| Return on assets (ROA) | 1.1414% | 2,428 |
| Pretax return on assets | 1.1414% | 3,126 |
| Return on Equity (ROE) | 13.1445% | 1,289 |
| Retained earnings to average equity (ytd only) | 3.8001% | 3,485 |
| Net charge-offs to loans | 0.2977% | 651 |
| Credit loss provision to net charge-offs | 112.1076% | 2,306 |
| Earnings coverage of net charge-offs (x) | 6.7982% | 3,052 |
| Efficiency ratio | 71.4447% | 1,976 |
| Assets per employee ($millions) | 2.9285% | 5,031 |
| Cash dividends to net income (ytd only)* | 71.0900% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 3,735 |
| Loan loss allowance to noncurrent loans | 56.7509% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 1.4919% | 787 |
| Noncurrent loans to loans | 1.7533% | 813 |
| Net loans and leases to total assets | 68.4738% | 2,810 |
| Net loans and leases to deposits | 84.8497% | 2,425 |
| Net loans and leases to core deposits | 95.2535% | 2,113 |
| Total domestic deposits to total assets | 80.7001% | 3,955 |
| Equity capital to assets | 8.6803% | 4,818 |
| Core capital (leverage) ratio | 9.0592% | 4,594 |
| Tier 1 risk-based capital ratio | 15.0390% | 2,815 |
| Total risk-based capital ratio | 16.1883% | 2,785 |
| Memoranda: | ||
| Average total assets | $110,918,600 | 3,927 |
| Average earning assets | $95,980,200 | 4,038 |
| Average equity | $9,631,400 | 4,366 |
| Average total loans | $74,912,400 | 3,776 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0377% | 868 |
| Cost of funding earning assets | 0.6330% | 2,251 |
| Net interest margin | 4.4046% | 891 |
| Noninterest income to average assets | 0.9737% | 1,002 |
| Noninterest expense to average assets | 3.3413% | 1,221 |
| Loan and lease loss provision to assets | 0.2301% | 705 |
| Net operating income to assets | 1.2026% | 2,230 |
| Return on assets (ROA) | 1.2026% | 2,228 |
| Pretax return on assets | 1.2026% | 2,971 |
| Return on Equity (ROE) | 13.8480% | 1,162 |
| Retained earnings to average equity (ytd only) | 1.2970% | 4,780 |
| Net charge-offs to loans | 0.3176% | 526 |
| Credit loss provision to net charge-offs | 107.9545% | 2,139 |
| Earnings coverage of net charge-offs (x) | 6.7216% | 2,856 |
| Efficiency ratio | 69.9899% | 2,189 |
| Assets per employee ($millions) | 3.0614% | 4,995 |
| Cash dividends to net income (ytd only)* | 90.6342% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 3,816 |
| Loan loss allowance to noncurrent loans | 61.8895% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 1.3012% | 1,048 |
| Noncurrent loans to loans | 1.6036% | 986 |
| Net loans and leases to total assets | 69.9707% | 2,653 |
| Net loans and leases to deposits | 83.6840% | 2,638 |
| Net loans and leases to core deposits | 95.9858% | 2,115 |
| Total domestic deposits to total assets | 83.6130% | 3,081 |
| Equity capital to assets | 8.5610% | 4,887 |
| Core capital (leverage) ratio | 9.1396% | 4,577 |
| Tier 1 risk-based capital ratio | 14.8086% | 2,966 |
| Total risk-based capital ratio | 15.9518% | 2,944 |
| Memoranda: | ||
| Average total assets | $110,095,000 | 3,985 |
| Average earning assets | $94,988,500 | 4,097 |
| Average equity | $9,560,750 | 4,412 |
| Average total loans | $73,892,500 | 3,832 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9530% | 912 |
| Cost of funding earning assets | 0.6096% | 2,165 |
| Net interest margin | 4.3434% | 952 |
| Noninterest income to average assets | 0.9759% | 1,002 |
| Noninterest expense to average assets | 3.3074% | 1,303 |
| Loan and lease loss provision to assets | 0.1636% | 1,133 |
| Net operating income to assets | 1.2339% | 2,042 |
| Return on assets (ROA) | 1.2339% | 2,038 |
| Pretax return on assets | 1.2339% | 2,798 |
| Return on Equity (ROE) | 14.1419% | 1,043 |
| Retained earnings to average equity (ytd only) | -4.6029% | 5,271 |
| Net charge-offs to loans | 0.0441% | 1,983 |
| Credit loss provision to net charge-offs | 562.5000% | 657 |
| Earnings coverage of net charge-offs (x) | 48.0625% | 1,151 |
| Efficiency ratio | 70.2974% | 2,262 |
| Assets per employee ($millions) | 3.2328% | 4,899 |
| Cash dividends to net income (ytd only)* | 132.5479% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0996% | 3,267 |
| Loan loss allowance to noncurrent loans | 71.3551% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 1.2928% | 1,097 |
| Noncurrent loans to loans | 1.5411% | 1,078 |
| Net loans and leases to total assets | 68.0784% | 2,855 |
| Net loans and leases to deposits | 81.6447% | 2,803 |
| Net loans and leases to core deposits | 92.2744% | 2,379 |
| Total domestic deposits to total assets | 83.3837% | 3,292 |
| Equity capital to assets | 8.4110% | 5,005 |
| Core capital (leverage) ratio | 8.7822% | 4,899 |
| Tier 1 risk-based capital ratio | 14.6650% | 3,033 |
| Total risk-based capital ratio | 15.9154% | 2,956 |
| Memoranda: | ||
| Average total assets | $110,057,000 | 4,015 |
| Average earning assets | $94,488,000 | 4,138 |
| Average equity | $9,602,670 | 4,437 |
| Average total loans | $72,561,000 | 3,880 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8266% | 1,017 |
| Cost of funding earning assets | 0.6039% | 2,037 |
| Net interest margin | 4.2227% | 1,117 |
| Noninterest income to average assets | 0.9698% | 978 |
| Noninterest expense to average assets | 3.3561% | 1,240 |
| Loan and lease loss provision to assets | 0.1090% | 1,716 |
| Net operating income to assets | 1.0860% | 2,490 |
| Return on assets (ROA) | 1.0860% | 2,508 |
| Pretax return on assets | 1.0860% | 3,223 |
| Return on Equity (ROE) | 12.2272% | 1,496 |
| Retained earnings to average equity (ytd only) | 12.2272% | 642 |
| Net charge-offs to loans | 0.0113% | 2,342 |
| Credit loss provision to net charge-offs | 1,500.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 164.5000% | 394 |
| Efficiency ratio | 73.7430% | 1,930 |
| Assets per employee ($millions) | 3.3443% | 4,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 3,422 |
| Loan loss allowance to noncurrent loans | 116.9391% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.8436% | 1,876 |
| Noncurrent loans to loans | 0.9356% | 1,951 |
| Net loans and leases to total assets | 64.4657% | 3,246 |
| Net loans and leases to deposits | 77.7057% | 3,049 |
| Net loans and leases to core deposits | 86.7929% | 2,736 |
| Total domestic deposits to total assets | 82.9614% | 3,680 |
| Equity capital to assets | 8.8944% | 4,667 |
| Core capital (leverage) ratio | 9.4251% | 4,156 |
| Tier 1 risk-based capital ratio | 15.9305% | 2,509 |
| Total risk-based capital ratio | 17.1575% | 2,453 |
| Memoranda: | ||
| Average total assets | $110,127,500 | 4,062 |
| Average earning assets | $93,400,000 | 4,199 |
| Average equity | $9,781,500 | 4,460 |
| Average total loans | $71,011,000 | 3,948 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8977% | 802 |
| Cost of funding earning assets | 0.5841% | 1,718 |
| Net interest margin | 4.3136% | 938 |
| Noninterest income to average assets | 1.4189% | 529 |
| Noninterest expense to average assets | 3.3322% | 1,316 |
| Loan and lease loss provision to assets | 0.2058% | 995 |
| Net operating income to assets | 1.6065% | 644 |
| Return on assets (ROA) | 1.6156% | 651 |
| Pretax return on assets | 1.6156% | 1,250 |
| Return on Equity (ROE) | 19.5185% | 210 |
| Retained earnings to average equity (ytd only) | 8.5160% | 614 |
| Net charge-offs to loans | 0.0992% | 2,085 |
| Credit loss provision to net charge-offs | 318.3099% | 900 |
| Earnings coverage of net charge-offs (x) | 28.0282% | 1,614 |
| Efficiency ratio | 64.7725% | 3,484 |
| Assets per employee ($millions) | 3.3301% | 4,912 |
| Cash dividends to net income (ytd only)* | 56.3698% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0829% | 3,433 |
| Loan loss allowance to noncurrent loans | 78.8162% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 1.1011% | 1,381 |
| Noncurrent loans to loans | 1.3739% | 1,261 |
| Net loans and leases to total assets | 63.0890% | 3,479 |
| Net loans and leases to deposits | 76.1913% | 3,313 |
| Net loans and leases to core deposits | 87.0949% | 2,813 |
| Total domestic deposits to total assets | 82.8034% | 3,626 |
| Equity capital to assets | 8.8695% | 4,841 |
| Core capital (leverage) ratio | 9.0861% | 4,541 |
| Tier 1 risk-based capital ratio | 15.7330% | 2,543 |
| Total risk-based capital ratio | 16.9368% | 2,494 |
| Memoranda: | ||
| Average total assets | $109,807,000 | 4,064 |
| Average earning assets | $94,840,000 | 4,185 |
| Average equity | $9,088,800 | 4,598 |
| Average total loans | $71,564,200 | 3,926 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8436% | 853 |
| Cost of funding earning assets | 0.5771% | 1,694 |
| Net interest margin | 4.2665% | 1,002 |
| Noninterest income to average assets | 1.5618% | 447 |
| Noninterest expense to average assets | 3.3033% | 1,340 |
| Loan and lease loss provision to assets | 0.2198% | 845 |
| Net operating income to assets | 1.7379% | 542 |
| Return on assets (ROA) | 1.7500% | 538 |
| Pretax return on assets | 1.7500% | 1,004 |
| Return on Equity (ROE) | 21.5289% | 153 |
| Retained earnings to average equity (ytd only) | 6.5887% | 1,915 |
| Net charge-offs to loans | 0.1149% | 1,642 |
| Credit loss provision to net charge-offs | 291.9355% | 1,017 |
| Earnings coverage of net charge-offs (x) | 26.0015% | 1,701 |
| Efficiency ratio | 62.7886% | 3,758 |
| Assets per employee ($millions) | 3.2799% | 4,986 |
| Cash dividends to net income (ytd only)* | 69.3961% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0181% | 3,966 |
| Loan loss allowance to noncurrent loans | 85.7651% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.0874% | 1,532 |
| Noncurrent loans to loans | 1.1870% | 1,618 |
| Net loans and leases to total assets | 64.9454% | 3,259 |
| Net loans and leases to deposits | 78.6676% | 3,102 |
| Net loans and leases to core deposits | 88.9754% | 2,694 |
| Total domestic deposits to total assets | 82.5568% | 3,601 |
| Equity capital to assets | 8.8787% | 5,013 |
| Core capital (leverage) ratio | 8.8734% | 4,901 |
| Tier 1 risk-based capital ratio | 14.9535% | 2,938 |
| Total risk-based capital ratio | 16.0812% | 2,929 |
| Memoranda: | ||
| Average total assets | $109,785,250 | 4,106 |
| Average earning assets | $95,188,250 | 4,216 |
| Average equity | $8,924,250 | 4,672 |
| Average total loans | $71,932,750 | 3,952 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7886% | 881 |
| Cost of funding earning assets | 0.5667% | 1,671 |
| Net interest margin | 4.2219% | 1,033 |
| Noninterest income to average assets | 0.9211% | 1,213 |
| Noninterest expense to average assets | 3.1713% | 1,650 |
| Loan and lease loss provision to assets | 0.2539% | 657 |
| Net operating income to assets | 1.1568% | 1,754 |
| Return on assets (ROA) | 1.1586% | 1,788 |
| Pretax return on assets | 1.1586% | 2,941 |
| Return on Equity (ROE) | 14.6970% | 707 |
| Retained earnings to average equity (ytd only) | -8.3030% | 5,619 |
| Net charge-offs to loans | 0.1550% | 1,230 |
| Credit loss provision to net charge-offs | 250.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 13.8929% | 2,109 |
| Efficiency ratio | 69.2125% | 2,815 |
| Assets per employee ($millions) | 3.1199% | 5,171 |
| Cash dividends to net income (ytd only)* | 156.4945% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9592% | 4,371 |
| Loan loss allowance to noncurrent loans | 52.1212% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 1.7006% | 844 |
| Noncurrent loans to loans | 1.8404% | 961 |
| Net loans and leases to total assets | 65.0531% | 3,242 |
| Net loans and leases to deposits | 78.2818% | 3,089 |
| Net loans and leases to core deposits | 88.5272% | 2,655 |
| Total domestic deposits to total assets | 83.1012% | 3,535 |
| Equity capital to assets | 8.0973% | 5,489 |
| Core capital (leverage) ratio | 8.0280% | 5,513 |
| Tier 1 risk-based capital ratio | 13.7259% | 3,572 |
| Total risk-based capital ratio | 14.8009% | 3,586 |
| Memoranda: | ||
| Average total assets | $110,301,330 | 4,126 |
| Average earning assets | $95,644,670 | 4,242 |
| Average equity | $8,695,670 | 4,738 |
| Average total loans | $72,237,670 | 3,971 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6047% | 1,133 |
| Cost of funding earning assets | 0.5590% | 1,662 |
| Net interest margin | 4.0457% | 1,356 |
| Noninterest income to average assets | 0.9490% | 1,107 |
| Noninterest expense to average assets | 3.0563% | 1,994 |
| Loan and lease loss provision to assets | 0.2237% | 705 |
| Net operating income to assets | 1.1944% | 1,515 |
| Return on assets (ROA) | 1.1944% | 1,557 |
| Pretax return on assets | 1.1944% | 2,618 |
| Return on Equity (ROE) | 15.3552% | 606 |
| Retained earnings to average equity (ytd only) | -31.0351% | 5,794 |
| Net charge-offs to loans | 0.2759% | 657 |
| Credit loss provision to net charge-offs | 124.0000% | 1,357 |
| Earnings coverage of net charge-offs (x) | 7.8600% | 2,104 |
| Efficiency ratio | 68.3065% | 3,149 |
| Assets per employee ($millions) | 3.2640% | 5,085 |
| Cash dividends to net income (ytd only)* | 302.1148% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8591% | 4,902 |
| Loan loss allowance to noncurrent loans | 43.7811% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 1.7770% | 810 |
| Noncurrent loans to loans | 1.9623% | 912 |
| Net loans and leases to total assets | 64.0541% | 3,266 |
| Net loans and leases to deposits | 76.4467% | 3,141 |
| Net loans and leases to core deposits | 86.6392% | 2,669 |
| Total domestic deposits to total assets | 83.7891% | 3,553 |
| Equity capital to assets | 7.5062% | 5,683 |
| Core capital (leverage) ratio | 7.7951% | 5,634 |
| Tier 1 risk-based capital ratio | 13.3428% | 3,863 |
| Total risk-based capital ratio | 14.3125% | 3,946 |
| Memoranda: | ||
| Average total assets | $110,853,500 | 4,157 |
| Average earning assets | $96,597,000 | 4,261 |
| Average equity | $8,622,500 | 4,787 |
| Average total loans | $72,494,500 | 3,988 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0502% | 541 |
| Cost of funding earning assets | 0.5450% | 1,748 |
| Net interest margin | 4.5052% | 613 |
| Noninterest income to average assets | 0.6537% | 2,403 |
| Noninterest expense to average assets | 3.0298% | 2,261 |
| Loan and lease loss provision to assets | 0.2686% | 751 |
| Net operating income to assets | 1.2113% | 1,469 |
| Return on assets (ROA) | 1.2889% | 1,310 |
| Pretax return on assets | 1.2889% | 2,316 |
| Return on Equity (ROE) | 14.6253% | 683 |
| Retained earnings to average equity (ytd only) | 1.4196% | 4,702 |
| Net charge-offs to loans | 0.3002% | 920 |
| Credit loss provision to net charge-offs | 129.4393% | 2,073 |
| Earnings coverage of net charge-offs (x) | 7.1308% | 3,069 |
| Efficiency ratio | 67.1828% | 3,406 |
| Assets per employee ($millions) | 3.2568% | 5,090 |
| Cash dividends to net income (ytd only)* | 90.2935% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8241% | 5,038 |
| Loan loss allowance to noncurrent loans | 66.0832% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 1.3302% | 1,306 |
| Noncurrent loans to loans | 1.2471% | 1,646 |
| Net loans and leases to total assets | 65.6405% | 3,127 |
| Net loans and leases to deposits | 78.9368% | 2,998 |
| Net loans and leases to core deposits | 89.5753% | 2,542 |
| Total domestic deposits to total assets | 83.1557% | 3,714 |
| Equity capital to assets | 8.0510% | 5,538 |
| Core capital (leverage) ratio | 8.4307% | 5,334 |
| Tier 1 risk-based capital ratio | 14.2412% | 3,322 |
| Total risk-based capital ratio | 15.1818% | 3,414 |
| Memoranda: | ||
| Average total assets | $103,108,200 | 4,307 |
| Average earning assets | $88,254,400 | 4,430 |
| Average equity | $9,087,000 | 4,741 |
| Average total loans | $71,286,200 | 4,018 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0903% | 507 |
| Cost of funding earning assets | 0.5335% | 1,851 |
| Net interest margin | 4.5569% | 551 |
| Noninterest income to average assets | 0.6627% | 2,355 |
| Noninterest expense to average assets | 2.9735% | 2,385 |
| Loan and lease loss provision to assets | 0.2661% | 681 |
| Net operating income to assets | 1.3056% | 1,276 |
| Return on assets (ROA) | 1.4123% | 1,094 |
| Pretax return on assets | 1.4123% | 1,996 |
| Return on Equity (ROE) | 15.6550% | 589 |
| Retained earnings to average equity (ytd only) | -1.8692% | 5,587 |
| Net charge-offs to loans | 0.2769% | 835 |
| Credit loss provision to net charge-offs | 137.4150% | 1,891 |
| Earnings coverage of net charge-offs (x) | 8.1155% | 2,807 |
| Efficiency ratio | 65.4203% | 3,683 |
| Assets per employee ($millions) | 3.0274% | 5,370 |
| Cash dividends to net income (ytd only)* | 111.9401% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7704% | 5,271 |
| Loan loss allowance to noncurrent loans | 63.6073% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 1.4345% | 1,280 |
| Noncurrent loans to loans | 1.2111% | 1,853 |
| Net loans and leases to total assets | 72.4519% | 2,121 |
| Net loans and leases to deposits | 88.2647% | 1,983 |
| Net loans and leases to core deposits | 99.8972% | 1,644 |
| Total domestic deposits to total assets | 82.0847% | 3,912 |
| Equity capital to assets | 8.5561% | 5,501 |
| Core capital (leverage) ratio | 8.5188% | 5,350 |
| Tier 1 risk-based capital ratio | 13.6655% | 3,764 |
| Total risk-based capital ratio | 14.5818% | 3,876 |
| Memoranda: | ||
| Average total assets | $101,202,250 | 4,370 |
| Average earning assets | $86,226,500 | 4,505 |
| Average equity | $9,130,000 | 4,781 |
| Average total loans | $70,785,500 | 4,055 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0537% | 529 |
| Cost of funding earning assets | 0.5068% | 2,048 |
| Net interest margin | 4.5469% | 559 |
| Noninterest income to average assets | 0.7408% | 1,970 |
| Noninterest expense to average assets | 3.0597% | 2,173 |
| Loan and lease loss provision to assets | 0.3052% | 576 |
| Net operating income to assets | 1.2488% | 1,431 |
| Return on assets (ROA) | 1.3211% | 1,310 |
| Pretax return on assets | 1.3211% | 2,320 |
| Return on Equity (ROE) | 14.3804% | 772 |
| Retained earnings to average equity (ytd only) | 3.4530% | 3,696 |
| Net charge-offs to loans | 0.4315% | 524 |
| Credit loss provision to net charge-offs | 102.7027% | 2,056 |
| Earnings coverage of net charge-offs (x) | 5.2297% | 2,881 |
| Efficiency ratio | 66.3185% | 3,625 |
| Assets per employee ($millions) | 2.8837% | 5,543 |
| Cash dividends to net income (ytd only)* | 75.9878% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7444% | 5,423 |
| Loan loss allowance to noncurrent loans | 45.7215% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 1.9221% | 868 |
| Noncurrent loans to loans | 1.6281% | 1,311 |
| Net loans and leases to total assets | 71.9967% | 2,170 |
| Net loans and leases to deposits | 84.5673% | 2,400 |
| Net loans and leases to core deposits | 94.7443% | 2,087 |
| Total domestic deposits to total assets | 85.1354% | 2,807 |
| Equity capital to assets | 9.3182% | 4,957 |
| Core capital (leverage) ratio | 9.2139% | 4,574 |
| Tier 1 risk-based capital ratio | 14.4614% | 3,340 |
| Total risk-based capital ratio | 15.3220% | 3,482 |
| Memoranda: | ||
| Average total assets | $99,616,330 | 4,429 |
| Average earning assets | $84,849,330 | 4,569 |
| Average equity | $9,151,330 | 4,809 |
| Average total loans | $68,592,000 | 4,127 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9901% | 591 |
| Cost of funding earning assets | 0.5014% | 2,093 |
| Net interest margin | 4.4887% | 619 |
| Noninterest income to average assets | 0.8488% | 1,446 |
| Noninterest expense to average assets | 2.9628% | 2,506 |
| Loan and lease loss provision to assets | 0.4325% | 302 |
| Net operating income to assets | 1.2894% | 1,280 |
| Return on assets (ROA) | 1.2894% | 1,363 |
| Pretax return on assets | 1.2894% | 2,352 |
| Return on Equity (ROE) | 14.1393% | 807 |
| Retained earnings to average equity (ytd only) | -8.0226% | 5,750 |
| Net charge-offs to loans | 0.7061% | 301 |
| Credit loss provision to net charge-offs | 91.4530% | 1,755 |
| Earnings coverage of net charge-offs (x) | 3.6410% | 2,516 |
| Efficiency ratio | 63.2442% | 4,270 |
| Assets per employee ($millions) | 3.0298% | 5,482 |
| Cash dividends to net income (ytd only)* | 156.7398% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7877% | 5,403 |
| Loan loss allowance to noncurrent loans | 70.8000% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 1.7153% | 1,122 |
| Noncurrent loans to loans | 1.1126% | 2,175 |
| Net loans and leases to total assets | 66.8897% | 2,828 |
| Net loans and leases to deposits | 76.9582% | 3,112 |
| Net loans and leases to core deposits | 85.8678% | 2,760 |
| Total domestic deposits to total assets | 86.9169% | 2,246 |
| Equity capital to assets | 9.0354% | 5,138 |
| Core capital (leverage) ratio | 9.0260% | 4,820 |
| Tier 1 risk-based capital ratio | 14.4642% | 3,411 |
| Total risk-based capital ratio | 15.3336% | 3,565 |
| Memoranda: | ||
| Average total assets | $98,959,000 | 4,485 |
| Average earning assets | $84,568,000 | 4,602 |
| Average equity | $9,024,500 | 4,859 |
| Average total loans | $66,282,000 | 4,211 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7372% | 1,033 |
| Cost of funding earning assets | 0.6149% | 1,282 |
| Net interest margin | 4.1223% | 1,354 |
| Noninterest income to average assets | 0.6149% | 2,642 |
| Noninterest expense to average assets | 2.9805% | 2,617 |
| Loan and lease loss provision to assets | 0.0715% | 2,843 |
| Net operating income to assets | 1.1307% | 1,805 |
| Return on assets (ROA) | 1.1767% | 1,719 |
| Pretax return on assets | 1.1767% | 2,744 |
| Return on Equity (ROE) | 12.4549% | 1,195 |
| Retained earnings to average equity (ytd only) | -7.9573% | 5,998 |
| Net charge-offs to loans | 0.1605% | 1,768 |
| Credit loss provision to net charge-offs | 70.0000% | 3,125 |
| Earnings coverage of net charge-offs (x) | 11.7700% | 2,527 |
| Efficiency ratio | 71.2576% | 3,024 |
| Assets per employee ($millions) | 2.8804% | 5,632 |
| Cash dividends to net income (ytd only)* | 163.8889% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8303% | 5,323 |
| Loan loss allowance to noncurrent loans | 49.1818% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 2.1903% | 773 |
| Noncurrent loans to loans | 1.6883% | 1,344 |
| Net loans and leases to total assets | 65.9761% | 2,979 |
| Net loans and leases to deposits | 75.9411% | 3,262 |
| Net loans and leases to core deposits | 85.3901% | 2,839 |
| Total domestic deposits to total assets | 86.8779% | 2,203 |
| Equity capital to assets | 9.2052% | 4,899 |
| Core capital (leverage) ratio | 9.2100% | 4,601 |
| Tier 1 risk-based capital ratio | 14.4782% | 3,457 |
| Total risk-based capital ratio | 15.3469% | 3,579 |
| Memoranda: | ||
| Average total assets | $97,904,600 | 4,502 |
| Average earning assets | $84,734,200 | 4,614 |
| Average equity | $9,249,400 | 4,794 |
| Average total loans | $62,310,200 | 4,312 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6816% | 1,134 |
| Cost of funding earning assets | 0.6477% | 1,106 |
| Net interest margin | 4.0339% | 1,601 |
| Noninterest income to average assets | 0.6605% | 2,424 |
| Noninterest expense to average assets | 2.8356% | 3,056 |
| Loan and lease loss provision to assets | 0.0545% | 3,105 |
| Net operating income to assets | 1.2734% | 1,409 |
| Return on assets (ROA) | 1.3347% | 1,309 |
| Pretax return on assets | 1.3347% | 2,265 |
| Return on Equity (ROE) | 14.0377% | 897 |
| Retained earnings to average equity (ytd only) | -13.0064% | 6,163 |
| Net charge-offs to loans | 0.1494% | 1,643 |
| Credit loss provision to net charge-offs | 57.9710% | 2,932 |
| Earnings coverage of net charge-offs (x) | 14.1301% | 2,267 |
| Efficiency ratio | 68.1060% | 3,518 |
| Assets per employee ($millions) | 2.7990% | 5,758 |
| Cash dividends to net income (ytd only)* | 192.6536% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8629% | 5,315 |
| Loan loss allowance to noncurrent loans | 63.1702% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 2.0559% | 977 |
| Noncurrent loans to loans | 1.3659% | 1,876 |
| Net loans and leases to total assets | 63.5662% | 3,372 |
| Net loans and leases to deposits | 74.6255% | 3,462 |
| Net loans and leases to core deposits | 84.7965% | 2,961 |
| Total domestic deposits to total assets | 85.1803% | 2,940 |
| Equity capital to assets | 9.0962% | 5,214 |
| Core capital (leverage) ratio | 9.0135% | 4,981 |
| Tier 1 risk-based capital ratio | 15.4978% | 3,050 |
| Total risk-based capital ratio | 16.4476% | 3,128 |
| Memoranda: | ||
| Average total assets | $97,897,250 | 4,552 |
| Average earning assets | $85,010,750 | 4,659 |
| Average equity | $9,308,000 | 4,847 |
| Average total loans | $61,599,250 | 4,380 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5985% | 1,286 |
| Cost of funding earning assets | 0.6707% | 991 |
| Net interest margin | 3.9278% | 1,888 |
| Noninterest income to average assets | 0.6457% | 2,497 |
| Noninterest expense to average assets | 2.8853% | 2,946 |
| Loan and lease loss provision to assets | 0.0204% | 3,725 |
| Net operating income to assets | 1.1627% | 1,739 |
| Return on assets (ROA) | 1.2199% | 1,622 |
| Pretax return on assets | 1.2199% | 2,697 |
| Return on Equity (ROE) | 12.6479% | 1,184 |
| Retained earnings to average equity (ytd only) | -27.3507% | 6,295 |
| Net charge-offs to loans | 0.1046% | 1,959 |
| Credit loss provision to net charge-offs | 31.2500% | 2,913 |
| Earnings coverage of net charge-offs (x) | 18.0938% | 1,823 |
| Efficiency ratio | 70.9191% | 3,177 |
| Assets per employee ($millions) | 2.9412% | 5,663 |
| Cash dividends to net income (ytd only)* | 316.2479% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8857% | 5,352 |
| Loan loss allowance to noncurrent loans | 47.6149% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 2.1770% | 970 |
| Noncurrent loans to loans | 1.8601% | 1,356 |
| Net loans and leases to total assets | 63.2969% | 3,371 |
| Net loans and leases to deposits | 75.2994% | 3,344 |
| Net loans and leases to core deposits | 84.4911% | 2,932 |
| Total domestic deposits to total assets | 84.0604% | 3,540 |
| Equity capital to assets | 8.5772% | 5,618 |
| Core capital (leverage) ratio | 8.5750% | 5,466 |
| Tier 1 risk-based capital ratio | 14.7659% | 3,495 |
| Total risk-based capital ratio | 15.7240% | 3,578 |
| Memoranda: | ||
| Average total assets | $97,875,000 | 4,597 |
| Average earning assets | $85,289,330 | 4,698 |
| Average equity | $9,440,330 | 4,851 |
| Average total loans | $61,194,330 | 4,432 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5778% | 1,275 |
| Cost of funding earning assets | 0.6721% | 989 |
| Net interest margin | 3.9057% | 1,878 |
| Noninterest income to average assets | 0.6471% | 2,415 |
| Noninterest expense to average assets | 2.7635% | 3,371 |
| Loan and lease loss provision to assets | 0.0203% | 3,449 |
| Net operating income to assets | 1.2454% | 1,417 |
| Return on assets (ROA) | 1.3105% | 1,325 |
| Pretax return on assets | 1.3105% | 2,238 |
| Return on Equity (ROE) | 12.8826% | 1,121 |
| Retained earnings to average equity (ytd only) | 5.6811% | 2,671 |
| Net charge-offs to loans | 0.0592% | 2,162 |
| Credit loss provision to net charge-offs | 55.5556% | 2,047 |
| Earnings coverage of net charge-offs (x) | 34.5556% | 1,057 |
| Efficiency ratio | 68.5859% | 3,728 |
| Assets per employee ($millions) | 2.7866% | 5,900 |
| Cash dividends to net income (ytd only)* | 55.9006% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 5,309 |
| Loan loss allowance to noncurrent loans | 44.8931% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 2.5346% | 847 |
| Noncurrent loans to loans | 2.0863% | 1,236 |
| Net loans and leases to total assets | 61.4908% | 3,450 |
| Net loans and leases to deposits | 74.7464% | 3,190 |
| Net loans and leases to core deposits | 83.3187% | 2,833 |
| Total domestic deposits to total assets | 82.2660% | 4,428 |
| Equity capital to assets | 10.4214% | 3,621 |
| Core capital (leverage) ratio | 10.0253% | 3,569 |
| Tier 1 risk-based capital ratio | 17.4294% | 2,324 |
| Total risk-based capital ratio | 18.4283% | 2,371 |
| Memoranda: | ||
| Average total assets | $98,282,500 | 4,619 |
| Average earning assets | $85,106,000 | 4,743 |
| Average equity | $9,998,000 | 4,786 |
| Average total loans | $60,799,000 | 4,472 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8538% | 1,006 |
| Cost of funding earning assets | 0.7309% | 950 |
| Net interest margin | 4.1229% | 1,506 |
| Noninterest income to average assets | 0.6476% | 2,563 |
| Noninterest expense to average assets | 3.1291% | 2,424 |
| Loan and lease loss provision to assets | 0.0206% | 4,205 |
| Net operating income to assets | 1.0465% | 2,180 |
| Return on assets (ROA) | 1.1338% | 1,908 |
| Pretax return on assets | 1.1338% | 2,954 |
| Return on Equity (ROE) | 11.6564% | 1,504 |
| Retained earnings to average equity (ytd only) | -0.7609% | 5,888 |
| Net charge-offs to loans | 0.0971% | 3,116 |
| Credit loss provision to net charge-offs | 35.7143% | 3,750 |
| Earnings coverage of net charge-offs (x) | 18.5357% | 1,841 |
| Efficiency ratio | 74.5713% | 2,738 |
| Assets per employee ($millions) | 2.8296% | 5,900 |
| Cash dividends to net income (ytd only)* | 106.5277% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9352% | 5,350 |
| Loan loss allowance to noncurrent loans | 48.9708% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 2.4042% | 970 |
| Noncurrent loans to loans | 1.9096% | 1,480 |
| Net loans and leases to total assets | 61.0774% | 3,629 |
| Net loans and leases to deposits | 73.7560% | 3,466 |
| Net loans and leases to core deposits | 84.8895% | 2,793 |
| Total domestic deposits to total assets | 82.8101% | 4,140 |
| Equity capital to assets | 9.9278% | 4,205 |
| Core capital (leverage) ratio | 9.9588% | 3,636 |
| Tier 1 risk-based capital ratio | 14.6069% | 3,720 |
| Total risk-based capital ratio | 15.4622% | 3,891 |
| Memoranda: | ||
| Average total assets | $97,280,600 | 4,668 |
| Average earning assets | $83,727,600 | 4,798 |
| Average equity | $9,462,600 | 4,871 |
| Average total loans | $57,645,600 | 4,562 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8761% | 977 |
| Cost of funding earning assets | 0.7435% | 924 |
| Net interest margin | 4.1325% | 1,483 |
| Noninterest income to average assets | 0.6319% | 2,676 |
| Noninterest expense to average assets | 2.9752% | 2,885 |
| Loan and lease loss provision to assets | 0.0275% | 3,856 |
| Net operating income to assets | 1.1799% | 1,752 |
| Return on assets (ROA) | 1.2598% | 1,553 |
| Pretax return on assets | 1.2598% | 2,534 |
| Return on Equity (ROE) | 13.0196% | 1,217 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,789 |
| Net charge-offs to loans | 0.1479% | 2,309 |
| Credit loss provision to net charge-offs | 31.7460% | 3,427 |
| Earnings coverage of net charge-offs (x) | 13.9202% | 2,183 |
| Efficiency ratio | 71.1323% | 3,324 |
| Assets per employee ($millions) | 2.7684% | 6,006 |
| Cash dividends to net income (ytd only)* | 100.0000% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 5,292 |
| Loan loss allowance to noncurrent loans | 39.6624% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 2.6699% | 948 |
| Noncurrent loans to loans | 2.4721% | 1,192 |
| Net loans and leases to total assets | 58.7828% | 3,966 |
| Net loans and leases to deposits | 71.0338% | 3,789 |
| Net loans and leases to core deposits | 80.5877% | 3,242 |
| Total domestic deposits to total assets | 82.7533% | 4,221 |
| Equity capital to assets | 9.9242% | 4,266 |
| Core capital (leverage) ratio | 10.0646% | 3,579 |
| Tier 1 risk-based capital ratio | 15.3784% | 3,386 |
| Total risk-based capital ratio | 16.2612% | 3,513 |
| Memoranda: | ||
| Average total assets | $96,842,000 | 4,723 |
| Average earning assets | $83,207,250 | 4,861 |
| Average equity | $9,370,250 | 4,932 |
| Average total loans | $56,792,250 | 4,631 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7697% | 1,129 |
| Cost of funding earning assets | 0.7501% | 920 |
| Net interest margin | 4.0197% | 1,760 |
| Noninterest income to average assets | 0.6197% | 2,713 |
| Noninterest expense to average assets | 3.0178% | 2,769 |
| Loan and lease loss provision to assets | 0.0207% | 3,859 |
| Net operating income to assets | 1.0349% | 2,183 |
| Return on assets (ROA) | 1.1195% | 1,936 |
| Pretax return on assets | 1.1195% | 3,010 |
| Return on Equity (ROE) | 11.6706% | 1,530 |
| Retained earnings to average equity (ytd only) | 1.6580% | 5,072 |
| Net charge-offs to loans | 0.1273% | 2,393 |
| Credit loss provision to net charge-offs | 27.7778% | 3,084 |
| Earnings coverage of net charge-offs (x) | 14.1944% | 1,923 |
| Efficiency ratio | 74.0872% | 2,965 |
| Assets per employee ($millions) | 2.9066% | 5,880 |
| Cash dividends to net income (ytd only)* | 85.7934% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0371% | 5,166 |
| Loan loss allowance to noncurrent loans | 38.1735% | 5,558 |
| Noncurrent assets plus other real estate owned to assets | 2.7209% | 970 |
| Noncurrent loans to loans | 2.7169% | 1,119 |
| Net loans and leases to total assets | 56.0976% | 4,268 |
| Net loans and leases to deposits | 67.5065% | 4,106 |
| Net loans and leases to core deposits | 77.0221% | 3,534 |
| Total domestic deposits to total assets | 83.0996% | 4,269 |
| Equity capital to assets | 9.7201% | 4,462 |
| Core capital (leverage) ratio | 10.1375% | 3,429 |
| Tier 1 risk-based capital ratio | 15.2681% | 3,483 |
| Total risk-based capital ratio | 16.1642% | 3,626 |
| Memoranda: | ||
| Average total assets | $96,824,670 | 4,754 |
| Average earning assets | $83,191,000 | 4,895 |
| Average equity | $9,288,330 | 4,963 |
| Average total loans | $56,549,330 | 4,671 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8265% | 995 |
| Cost of funding earning assets | 0.7687% | 889 |
| Net interest margin | 4.0577% | 1,580 |
| Noninterest income to average assets | 0.6762% | 2,314 |
| Noninterest expense to average assets | 2.9679% | 2,992 |
| Loan and lease loss provision to assets | 0.0417% | 3,256 |
| Net operating income to assets | 1.1479% | 1,639 |
| Return on assets (ROA) | 1.2773% | 1,324 |
| Pretax return on assets | 1.2773% | 2,186 |
| Return on Equity (ROE) | 13.4071% | 1,056 |
| Retained earnings to average equity (ytd only) | 0.4820% | 5,391 |
| Net charge-offs to loans | -0.0634% | 5,919 |
| Credit loss provision to net charge-offs | -111.1111% | 4,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3855% | 3,596 |
| Assets per employee ($millions) | 2.7935% | 6,104 |
| Cash dividends to net income (ytd only)* | 96.4052% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1194% | 5,031 |
| Loan loss allowance to noncurrent loans | 31.5048% | 5,818 |
| Noncurrent assets plus other real estate owned to assets | 3.0817% | 910 |
| Noncurrent loans to loans | 3.5532% | 811 |
| Net loans and leases to total assets | 56.5561% | 4,073 |
| Net loans and leases to deposits | 67.8204% | 3,874 |
| Net loans and leases to core deposits | 78.0609% | 3,196 |
| Total domestic deposits to total assets | 83.3910% | 4,480 |
| Equity capital to assets | 9.4424% | 4,574 |
| Core capital (leverage) ratio | 10.2362% | 3,242 |
| Tier 1 risk-based capital ratio | 15.3270% | 3,536 |
| Total risk-based capital ratio | 16.3041% | 3,633 |
| Memoranda: | ||
| Average total assets | $95,824,000 | 4,821 |
| Average earning assets | $82,213,500 | 4,968 |
| Average equity | $9,129,500 | 5,018 |
| Average total loans | $56,814,000 | 4,695 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1534% | 702 |
| Cost of funding earning assets | 0.8463% | 965 |
| Net interest margin | 4.3071% | 1,093 |
| Noninterest income to average assets | 0.5920% | 3,137 |
| Noninterest expense to average assets | 3.2311% | 2,328 |
| Loan and lease loss provision to assets | 0.0997% | 3,138 |
| Net operating income to assets | 0.9689% | 2,474 |
| Return on assets (ROA) | 1.1159% | 1,950 |
| Pretax return on assets | 1.1159% | 2,900 |
| Return on Equity (ROE) | 10.9111% | 1,792 |
| Retained earnings to average equity (ytd only) | 0.1334% | 5,792 |
| Net charge-offs to loans | 0.2177% | 2,720 |
| Credit loss provision to net charge-offs | 74.2188% | 3,190 |
| Earnings coverage of net charge-offs (x) | 7.9531% | 2,759 |
| Efficiency ratio | 75.1465% | 2,926 |
| Assets per employee ($millions) | 2.6822% | 6,242 |
| Cash dividends to net income (ytd only)* | 98.7770% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0519% | 5,339 |
| Loan loss allowance to noncurrent loans | 36.5883% | 5,734 |
| Noncurrent assets plus other real estate owned to assets | 3.0274% | 1,040 |
| Noncurrent loans to loans | 2.8749% | 1,224 |
| Net loans and leases to total assets | 60.8239% | 3,570 |
| Net loans and leases to deposits | 73.3864% | 3,348 |
| Net loans and leases to core deposits | 83.7376% | 2,705 |
| Total domestic deposits to total assets | 82.8817% | 4,584 |
| Equity capital to assets | 9.6159% | 4,268 |
| Core capital (leverage) ratio | 10.2701% | 3,190 |
| Tier 1 risk-based capital ratio | 15.4952% | 3,378 |
| Total risk-based capital ratio | 16.4535% | 3,492 |
| Memoranda: | ||
| Average total assets | $95,263,000 | 4,860 |
| Average earning assets | $82,003,400 | 4,984 |
| Average equity | $9,742,400 | 4,908 |
| Average total loans | $58,800,800 | 4,654 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1363% | 729 |
| Cost of funding earning assets | 0.8517% | 1,036 |
| Net interest margin | 4.2846% | 1,131 |
| Noninterest income to average assets | 0.5564% | 3,415 |
| Noninterest expense to average assets | 3.0442% | 2,845 |
| Loan and lease loss provision to assets | 0.0418% | 4,174 |
| Net operating income to assets | 1.1672% | 1,749 |
| Return on assets (ROA) | 1.3039% | 1,404 |
| Pretax return on assets | 1.3039% | 2,315 |
| Return on Equity (ROE) | 12.5654% | 1,342 |
| Retained earnings to average equity (ytd only) | 1.1423% | 5,523 |
| Net charge-offs to loans | 0.0045% | 5,101 |
| Credit loss provision to net charge-offs | 1,500.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 432.9476% | 135 |
| Efficiency ratio | 71.5738% | 3,492 |
| Assets per employee ($millions) | 2.7110% | 6,268 |
| Cash dividends to net income (ytd only)* | 90.9092% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 5,194 |
| Loan loss allowance to noncurrent loans | 32.3017% | 5,899 |
| Noncurrent assets plus other real estate owned to assets | 3.7824% | 863 |
| Noncurrent loans to loans | 3.5056% | 1,084 |
| Net loans and leases to total assets | 61.4674% | 3,457 |
| Net loans and leases to deposits | 74.3170% | 3,189 |
| Net loans and leases to core deposits | 83.2582% | 2,733 |
| Total domestic deposits to total assets | 82.7098% | 4,678 |
| Equity capital to assets | 9.8560% | 4,101 |
| Core capital (leverage) ratio | 10.2909% | 3,258 |
| Tier 1 risk-based capital ratio | 15.0647% | 3,711 |
| Total risk-based capital ratio | 16.0839% | 3,813 |
| Memoranda: | ||
| Average total assets | $95,609,750 | 4,891 |
| Average earning assets | $82,495,500 | 5,013 |
| Average equity | $9,921,250 | 4,920 |
| Average total loans | $59,074,500 | 4,678 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1777% | 662 |
| Cost of funding earning assets | 0.8557% | 1,113 |
| Net interest margin | 4.3220% | 992 |
| Noninterest income to average assets | 0.6301% | 3,017 |
| Noninterest expense to average assets | 3.0568% | 2,809 |
| Loan and lease loss provision to assets | 0.0626% | 3,758 |
| Net operating income to assets | 1.2519% | 1,452 |
| Return on assets (ROA) | 1.3563% | 1,262 |
| Pretax return on assets | 1.3563% | 2,097 |
| Return on Equity (ROE) | 12.8573% | 1,272 |
| Retained earnings to average equity (ytd only) | 3.9561% | 3,774 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9284% | 3,841 |
| Assets per employee ($millions) | 2.7723% | 6,193 |
| Cash dividends to net income (ytd only)* | 69.2308% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1157% | 5,377 |
| Loan loss allowance to noncurrent loans | 33.2012% | 5,905 |
| Noncurrent assets plus other real estate owned to assets | 3.8452% | 938 |
| Noncurrent loans to loans | 3.3603% | 1,285 |
| Net loans and leases to total assets | 61.2023% | 3,446 |
| Net loans and leases to deposits | 73.7864% | 3,191 |
| Net loans and leases to core deposits | 84.6312% | 2,473 |
| Total domestic deposits to total assets | 82.9453% | 4,718 |
| Equity capital to assets | 9.8651% | 4,103 |
| Core capital (leverage) ratio | 10.3998% | 2,983 |
| Tier 1 risk-based capital ratio | 15.3897% | 3,537 |
| Total risk-based capital ratio | 16.4234% | 3,632 |
| Memoranda: | ||
| Average total assets | $95,851,000 | 4,914 |
| Average earning assets | $82,971,330 | 5,024 |
| Average equity | $10,111,000 | 4,913 |
| Average total loans | $59,102,000 | 4,702 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1801% | 626 |
| Cost of funding earning assets | 0.8818% | 1,074 |
| Net interest margin | 4.2983% | 975 |
| Noninterest income to average assets | 0.6508% | 2,874 |
| Noninterest expense to average assets | 2.9980% | 3,000 |
| Loan and lease loss provision to assets | 0.0630% | 3,581 |
| Net operating income to assets | 1.3353% | 1,195 |
| Return on assets (ROA) | 1.5452% | 850 |
| Pretax return on assets | 1.5452% | 1,437 |
| Return on Equity (ROE) | 14.1804% | 933 |
| Retained earnings to average equity (ytd only) | 2.6203% | 4,711 |
| Net charge-offs to loans | -0.0205% | 5,723 |
| Credit loss provision to net charge-offs | -500.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1948% | 4,274 |
| Assets per employee ($millions) | 2.5300% | 6,552 |
| Cash dividends to net income (ytd only)* | 81.5217% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 5,504 |
| Loan loss allowance to noncurrent loans | 44.5196% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 3.1922% | 1,369 |
| Noncurrent loans to loans | 2.5291% | 2,041 |
| Net loans and leases to total assets | 60.1003% | 3,409 |
| Net loans and leases to deposits | 73.3895% | 2,999 |
| Net loans and leases to core deposits | 79.7012% | 2,844 |
| Total domestic deposits to total assets | 81.8922% | 5,231 |
| Equity capital to assets | 10.7769% | 3,221 |
| Core capital (leverage) ratio | 10.2772% | 3,045 |
| Tier 1 risk-based capital ratio | 15.2500% | 3,682 |
| Total risk-based capital ratio | 16.2708% | 3,782 |
| Memoranda: | ||
| Average total assets | $95,262,000 | 4,968 |
| Average earning assets | $83,010,500 | 5,064 |
| Average equity | $10,380,500 | 4,910 |
| Average total loans | $58,626,000 | 4,752 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3704% | 806 |
| Cost of funding earning assets | 1.0292% | 1,211 |
| Net interest margin | 4.3412% | 1,303 |
| Noninterest income to average assets | 0.5920% | 3,322 |
| Noninterest expense to average assets | 3.1878% | 2,655 |
| Loan and lease loss provision to assets | 0.0212% | 5,634 |
| Net operating income to assets | 1.1998% | 1,605 |
| Return on assets (ROA) | 1.2847% | 1,500 |
| Pretax return on assets | 1.2847% | 2,469 |
| Return on Equity (ROE) | 11.7951% | 1,565 |
| Retained earnings to average equity (ytd only) | 2.7369% | 4,312 |
| Net charge-offs to loans | 0.4728% | 2,348 |
| Credit loss provision to net charge-offs | 7.2464% | 5,424 |
| Earnings coverage of net charge-offs (x) | 4.1703% | 3,454 |
| Efficiency ratio | 72.3051% | 3,361 |
| Assets per employee ($millions) | 2.4838% | 6,630 |
| Cash dividends to net income (ytd only)* | 76.7960% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 5,601 |
| Loan loss allowance to noncurrent loans | 39.7763% | 5,631 |
| Noncurrent assets plus other real estate owned to assets | 3.6935% | 1,206 |
| Noncurrent loans to loans | 2.7358% | 1,936 |
| Net loans and leases to total assets | 61.6350% | 3,307 |
| Net loans and leases to deposits | 75.7530% | 2,841 |
| Net loans and leases to core deposits | 81.2915% | 2,854 |
| Total domestic deposits to total assets | 81.3632% | 5,286 |
| Equity capital to assets | 11.0189% | 2,927 |
| Core capital (leverage) ratio | 10.3349% | 2,966 |
| Tier 1 risk-based capital ratio | 15.3528% | 3,509 |
| Total risk-based capital ratio | 16.3622% | 3,606 |
| Memoranda: | ||
| Average total assets | $94,264,200 | 4,978 |
| Average earning assets | $82,880,800 | 5,046 |
| Average equity | $10,267,000 | 4,920 |
| Average total loans | $58,376,800 | 4,782 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3812% | 866 |
| Cost of funding earning assets | 1.0477% | 1,294 |
| Net interest margin | 4.3335% | 1,389 |
| Noninterest income to average assets | 0.5886% | 3,351 |
| Noninterest expense to average assets | 3.0717% | 2,970 |
| Loan and lease loss provision to assets | 0.0283% | 5,427 |
| Net operating income to assets | 1.3102% | 1,418 |
| Return on assets (ROA) | 1.3838% | 1,391 |
| Pretax return on assets | 1.3838% | 2,286 |
| Return on Equity (ROE) | 12.7419% | 1,399 |
| Retained earnings to average equity (ytd only) | 1.6676% | 5,499 |
| Net charge-offs to loans | 0.5629% | 1,926 |
| Credit loss provision to net charge-offs | 8.1301% | 5,097 |
| Earnings coverage of net charge-offs (x) | 3.8455% | 3,492 |
| Efficiency ratio | 69.6503% | 3,759 |
| Assets per employee ($millions) | 2.3839% | 6,798 |
| Cash dividends to net income (ytd only)* | 86.9123% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1475% | 5,530 |
| Loan loss allowance to noncurrent loans | 40.6553% | 5,624 |
| Noncurrent assets plus other real estate owned to assets | 3.8850% | 1,258 |
| Noncurrent loans to loans | 2.8225% | 1,995 |
| Net loans and leases to total assets | 62.0793% | 3,362 |
| Net loans and leases to deposits | 76.7156% | 2,871 |
| Net loans and leases to core deposits | 81.6111% | 3,012 |
| Total domestic deposits to total assets | 80.9213% | 5,388 |
| Equity capital to assets | 11.1656% | 3,075 |
| Core capital (leverage) ratio | 10.1426% | 3,353 |
| Tier 1 risk-based capital ratio | 15.4867% | 3,545 |
| Total risk-based capital ratio | 16.5694% | 3,590 |
| Memoranda: | ||
| Average total assets | $94,234,500 | 5,032 |
| Average earning assets | $83,102,500 | 5,095 |
| Average equity | $10,233,750 | 4,972 |
| Average total loans | $58,267,750 | 4,832 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3586% | 943 |
| Cost of funding earning assets | 1.0679% | 1,362 |
| Net interest margin | 4.2907% | 1,497 |
| Noninterest income to average assets | 0.5789% | 3,382 |
| Noninterest expense to average assets | 3.0743% | 2,999 |
| Loan and lease loss provision to assets | 0.0423% | 5,143 |
| Net operating income to assets | 1.2572% | 1,550 |
| Return on assets (ROA) | 1.2826% | 1,645 |
| Pretax return on assets | 1.2826% | 2,624 |
| Return on Equity (ROE) | 11.9199% | 1,689 |
| Retained earnings to average equity (ytd only) | -0.8444% | 6,190 |
| Net charge-offs to loans | 0.7522% | 1,465 |
| Credit loss provision to net charge-offs | 9.1324% | 4,750 |
| Earnings coverage of net charge-offs (x) | 2.8082% | 3,622 |
| Efficiency ratio | 70.2899% | 3,714 |
| Assets per employee ($millions) | 2.4205% | 6,819 |
| Cash dividends to net income (ytd only)* | 107.0840% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 5,348 |
| Loan loss allowance to noncurrent loans | 23.0642% | 6,432 |
| Noncurrent assets plus other real estate owned to assets | 4.8729% | 994 |
| Noncurrent loans to loans | 5.2033% | 922 |
| Net loans and leases to total assets | 60.7856% | 3,662 |
| Net loans and leases to deposits | 74.8025% | 3,155 |
| Net loans and leases to core deposits | 77.1447% | 3,636 |
| Total domestic deposits to total assets | 81.2615% | 5,373 |
| Equity capital to assets | 10.7438% | 3,402 |
| Core capital (leverage) ratio | 9.9038% | 3,565 |
| Tier 1 risk-based capital ratio | 14.6422% | 4,005 |
| Total risk-based capital ratio | 15.7279% | 4,081 |
| Memoranda: | ||
| Average total assets | $94,655,000 | 5,048 |
| Average earning assets | $83,716,000 | 5,111 |
| Average equity | $10,184,670 | 4,987 |
| Average total loans | $58,228,000 | 4,866 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3609% | 982 |
| Cost of funding earning assets | 1.0779% | 1,507 |
| Net interest margin | 4.2830% | 1,526 |
| Noninterest income to average assets | 0.5444% | 3,598 |
| Noninterest expense to average assets | 3.1314% | 2,813 |
| Loan and lease loss provision to assets | 0.0844% | 4,326 |
| Net operating income to assets | 1.1183% | 1,996 |
| Return on assets (ROA) | 1.1268% | 2,152 |
| Pretax return on assets | 1.1268% | 3,211 |
| Return on Equity (ROE) | 10.4644% | 2,249 |
| Retained earnings to average equity (ytd only) | 4.5855% | 3,824 |
| Net charge-offs to loans | 1.3035% | 779 |
| Credit loss provision to net charge-offs | 10.5263% | 3,895 |
| Earnings coverage of net charge-offs (x) | 1.5000% | 3,575 |
| Efficiency ratio | 72.2493% | 3,391 |
| Assets per employee ($millions) | 2.6605% | 6,686 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2641% | 5,184 |
| Loan loss allowance to noncurrent loans | 32.3097% | 6,051 |
| Noncurrent assets plus other real estate owned to assets | 4.0051% | 1,372 |
| Noncurrent loans to loans | 3.9125% | 1,574 |
| Net loans and leases to total assets | 59.2050% | 3,822 |
| Net loans and leases to deposits | 72.8813% | 3,284 |
| Net loans and leases to core deposits | 75.1282% | 3,728 |
| Total domestic deposits to total assets | 81.2349% | 5,538 |
| Equity capital to assets | 10.7101% | 3,256 |
| Core capital (leverage) ratio | 10.1049% | 3,233 |
| Tier 1 risk-based capital ratio | 18.0520% | 2,271 |
| Total risk-based capital ratio | 19.3095% | 2,238 |
| Memoranda: | ||
| Average total assets | $94,783,000 | 5,076 |
| Average earning assets | $83,866,000 | 5,144 |
| Average equity | $10,206,000 | 4,994 |
| Average total loans | $58,303,000 | 4,890 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5038% | 1,168 |
| Cost of funding earning assets | 1.2254% | 1,869 |
| Net interest margin | 4.2784% | 1,775 |
| Noninterest income to average assets | 0.5823% | 3,279 |
| Noninterest expense to average assets | 3.5569% | 1,845 |
| Loan and lease loss provision to assets | 0.1156% | 5,154 |
| Net operating income to assets | 0.7189% | 3,394 |
| Return on assets (ROA) | 0.7862% | 3,263 |
| Pretax return on assets | 0.7862% | 4,028 |
| Return on Equity (ROE) | 7.4701% | 3,163 |
| Retained earnings to average equity (ytd only) | 1.8775% | 4,875 |
| Net charge-offs to loans | 0.0920% | 5,421 |
| Credit loss provision to net charge-offs | 196.4286% | 1,292 |
| Earnings coverage of net charge-offs (x) | 14.1786% | 1,479 |
| Efficiency ratio | 80.9957% | 2,160 |
| Assets per employee ($millions) | 2.6796% | 6,635 |
| Cash dividends to net income (ytd only)* | 74.8663% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5142% | 3,961 |
| Loan loss allowance to noncurrent loans | 25.5198% | 6,409 |
| Noncurrent assets plus other real estate owned to assets | 4.7576% | 1,145 |
| Noncurrent loans to loans | 5.9333% | 843 |
| Net loans and leases to total assets | 62.1387% | 3,579 |
| Net loans and leases to deposits | 76.9855% | 3,003 |
| Net loans and leases to core deposits | 79.4801% | 3,509 |
| Total domestic deposits to total assets | 80.7148% | 5,540 |
| Equity capital to assets | 10.8267% | 3,162 |
| Core capital (leverage) ratio | 9.8974% | 3,463 |
| Tier 1 risk-based capital ratio | 18.3804% | 2,084 |
| Total risk-based capital ratio | 19.6315% | 2,046 |
| Memoranda: | ||
| Average total assets | $95,140,000 | 5,042 |
| Average earning assets | $84,705,200 | 5,098 |
| Average equity | $10,013,200 | 5,016 |
| Average total loans | $60,852,400 | 4,833 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6295% | 975 |
| Cost of funding earning assets | 1.2632% | 1,913 |
| Net interest margin | 4.3663% | 1,506 |
| Noninterest income to average assets | 0.5809% | 3,298 |
| Noninterest expense to average assets | 3.3962% | 2,195 |
| Loan and lease loss provision to assets | 0.1117% | 5,033 |
| Net operating income to assets | 0.9635% | 2,465 |
| Return on assets (ROA) | 1.0487% | 2,290 |
| Pretax return on assets | 1.0487% | 3,217 |
| Return on Equity (ROE) | 10.0352% | 2,186 |
| Retained earnings to average equity (ytd only) | 4.4229% | 3,580 |
| Net charge-offs to loans | 0.1153% | 4,864 |
| Credit loss provision to net charge-offs | 150.9434% | 2,066 |
| Earnings coverage of net charge-offs (x) | 14.5293% | 1,527 |
| Efficiency ratio | 75.9525% | 2,847 |
| Assets per employee ($millions) | 2.7487% | 6,579 |
| Cash dividends to net income (ytd only)* | 55.9257% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 4,388 |
| Loan loss allowance to noncurrent loans | 28.8896% | 6,322 |
| Noncurrent assets plus other real estate owned to assets | 4.3377% | 1,392 |
| Noncurrent loans to loans | 4.9738% | 1,254 |
| Net loans and leases to total assets | 61.9606% | 3,733 |
| Net loans and leases to deposits | 76.7274% | 3,208 |
| Net loans and leases to core deposits | 81.3894% | 3,427 |
| Total domestic deposits to total assets | 80.7542% | 5,513 |
| Equity capital to assets | 10.7855% | 3,381 |
| Core capital (leverage) ratio | 9.9985% | 3,447 |
| Tier 1 risk-based capital ratio | 17.9535% | 2,276 |
| Total risk-based capital ratio | 19.2081% | 2,234 |
| Memoranda: | ||
| Average total assets | $95,478,250 | 5,060 |
| Average earning assets | $85,073,750 | 5,119 |
| Average equity | $9,978,000 | 5,036 |
| Average total loans | $61,272,000 | 4,860 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6937% | 886 |
| Cost of funding earning assets | 1.2862% | 2,027 |
| Net interest margin | 4.4075% | 1,346 |
| Noninterest income to average assets | 0.5565% | 3,423 |
| Noninterest expense to average assets | 3.4798% | 2,035 |
| Loan and lease loss provision to assets | 0.1260% | 4,714 |
| Net operating income to assets | 0.8799% | 2,734 |
| Return on assets (ROA) | 0.9618% | 2,487 |
| Pretax return on assets | 0.9618% | 3,387 |
| Return on Equity (ROE) | 9.3039% | 2,380 |
| Retained earnings to average equity (ytd only) | 2.8034% | 4,497 |
| Net charge-offs to loans | 0.1040% | 4,645 |
| Credit loss provision to net charge-offs | 187.5000% | 1,611 |
| Earnings coverage of net charge-offs (x) | 14.9688% | 1,442 |
| Efficiency ratio | 77.5749% | 2,776 |
| Assets per employee ($millions) | 2.6521% | 6,717 |
| Cash dividends to net income (ytd only)* | 69.8690% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4321% | 4,434 |
| Loan loss allowance to noncurrent loans | 46.4248% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 3.5684% | 1,835 |
| Noncurrent loans to loans | 3.0848% | 2,337 |
| Net loans and leases to total assets | 62.7167% | 3,737 |
| Net loans and leases to deposits | 77.5116% | 3,217 |
| Net loans and leases to core deposits | 80.9408% | 3,664 |
| Total domestic deposits to total assets | 80.9127% | 5,552 |
| Equity capital to assets | 10.6026% | 3,378 |
| Core capital (leverage) ratio | 9.6921% | 3,670 |
| Tier 1 risk-based capital ratio | 17.8078% | 2,236 |
| Total risk-based capital ratio | 19.0623% | 2,187 |
| Memoranda: | ||
| Average total assets | $95,236,670 | 5,097 |
| Average earning assets | $84,900,670 | 5,164 |
| Average equity | $9,845,330 | 5,090 |
| Average total loans | $61,537,000 | 4,887 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8629% | 653 |
| Cost of funding earning assets | 1.3186% | 2,077 |
| Net interest margin | 4.5443% | 972 |
| Noninterest income to average assets | 0.4962% | 3,923 |
| Noninterest expense to average assets | 3.7680% | 1,400 |
| Loan and lease loss provision to assets | 0.1682% | 3,945 |
| Net operating income to assets | 0.6182% | 3,946 |
| Return on assets (ROA) | 0.6182% | 4,010 |
| Pretax return on assets | 0.6182% | 4,616 |
| Return on Equity (ROE) | 6.0578% | 3,874 |
| Retained earnings to average equity (ytd only) | 6.0578% | 2,607 |
| Net charge-offs to loans | 0.2196% | 3,207 |
| Credit loss provision to net charge-offs | 117.6471% | 2,305 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,269 |
| Efficiency ratio | 82.7331% | 2,117 |
| Assets per employee ($millions) | 2.6575% | 6,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 4,677 |
| Loan loss allowance to noncurrent loans | 58.1619% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 3.1650% | 2,177 |
| Noncurrent loans to loans | 2.4036% | 3,082 |
| Net loans and leases to total assets | 62.5184% | 3,755 |
| Net loans and leases to deposits | 77.0634% | 3,239 |
| Net loans and leases to core deposits | 81.6412% | 3,509 |
| Total domestic deposits to total assets | 81.1259% | 5,628 |
| Equity capital to assets | 10.2936% | 3,420 |
| Core capital (leverage) ratio | 9.7403% | 3,469 |
| Tier 1 risk-based capital ratio | 17.3740% | 2,346 |
| Total risk-based capital ratio | 18.6276% | 2,315 |
| Memoranda: | ||
| Average total assets | $95,116,500 | 5,134 |
| Average earning assets | $84,941,000 | 5,188 |
| Average equity | $9,706,500 | 5,118 |
| Average total loans | $61,930,500 | 4,908 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8207% | 1,224 |
| Cost of funding earning assets | 1.6493% | 1,835 |
| Net interest margin | 4.1713% | 2,288 |
| Noninterest income to average assets | 0.7068% | 2,805 |
| Noninterest expense to average assets | 3.3083% | 2,718 |
| Loan and lease loss provision to assets | 0.1658% | 5,561 |
| Net operating income to assets | 0.4011% | 4,532 |
| Return on assets (ROA) | 0.3348% | 4,969 |
| Pretax return on assets | 0.8644% | 3,427 |
| Return on Equity (ROE) | 3.0999% | 4,916 |
| Retained earnings to average equity (ytd only) | -11.2958% | 6,725 |
| Net charge-offs to loans | 0.1622% | 5,365 |
| Credit loss provision to net charge-offs | 161.6162% | 2,154 |
| Earnings coverage of net charge-offs (x) | 11.0505% | 1,638 |
| Efficiency ratio | 74.4750% | 3,303 |
| Assets per employee ($millions) | 2.5557% | 6,925 |
| Cash dividends to net income (ytd only)* | 464.3963% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3323% | 4,842 |
| Loan loss allowance to noncurrent loans | 33.7205% | 6,065 |
| Noncurrent assets plus other real estate owned to assets | 3.1535% | 2,243 |
| Noncurrent loans to loans | 3.9509% | 1,847 |
| Net loans and leases to total assets | 65.9451% | 3,477 |
| Net loans and leases to deposits | 81.4852% | 2,910 |
| Net loans and leases to core deposits | 87.8184% | 3,074 |
| Total domestic deposits to total assets | 80.9289% | 5,543 |
| Equity capital to assets | 10.1151% | 3,596 |
| Core capital (leverage) ratio | 9.6533% | 3,479 |
| Tier 1 risk-based capital ratio | 17.2477% | 2,246 |
| Total risk-based capital ratio | 18.5013% | 2,213 |
| Memoranda: | ||
| Average total assets | $96,484,800 | 5,093 |
| Average earning assets | $86,399,200 | 5,135 |
| Average equity | $10,419,800 | 5,005 |
| Average total loans | $61,018,200 | 5,028 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8126% | 1,355 |
| Cost of funding earning assets | 1.7209% | 1,765 |
| Net interest margin | 4.0917% | 2,661 |
| Noninterest income to average assets | 0.6820% | 2,930 |
| Noninterest expense to average assets | 3.1103% | 3,295 |
| Loan and lease loss provision to assets | 0.2200% | 4,861 |
| Net operating income to assets | 0.7691% | 3,138 |
| Return on assets (ROA) | 0.7879% | 3,221 |
| Pretax return on assets | 1.0381% | 3,037 |
| Return on Equity (ROE) | 7.1847% | 3,263 |
| Retained earnings to average equity (ytd only) | -11.6234% | 6,953 |
| Net charge-offs to loans | 0.1124% | 5,415 |
| Credit loss provision to net charge-offs | 313.7255% | 1,006 |
| Earnings coverage of net charge-offs (x) | 17.5878% | 1,317 |
| Efficiency ratio | 71.6049% | 3,775 |
| Assets per employee ($millions) | 2.4534% | 7,128 |
| Cash dividends to net income (ytd only)* | 261.7804% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 4,479 |
| Loan loss allowance to noncurrent loans | 33.3959% | 6,101 |
| Noncurrent assets plus other real estate owned to assets | 3.3691% | 2,114 |
| Noncurrent loans to loans | 4.1828% | 1,749 |
| Net loans and leases to total assets | 67.3857% | 3,358 |
| Net loans and leases to deposits | 84.5418% | 2,612 |
| Net loans and leases to core deposits | 90.7073% | 2,996 |
| Total domestic deposits to total assets | 79.7070% | 5,804 |
| Equity capital to assets | 10.8035% | 3,164 |
| Core capital (leverage) ratio | 9.8619% | 3,415 |
| Tier 1 risk-based capital ratio | 17.3839% | 2,212 |
| Total risk-based capital ratio | 18.6388% | 2,173 |
| Memoranda: | ||
| Average total assets | $96,965,500 | 5,138 |
| Average earning assets | $86,774,500 | 5,180 |
| Average equity | $10,633,500 | 5,011 |
| Average total loans | $60,472,500 | 5,127 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7339% | 1,624 |
| Cost of funding earning assets | 1.7582% | 1,826 |
| Net interest margin | 3.9758% | 3,136 |
| Noninterest income to average assets | 0.6476% | 3,027 |
| Noninterest expense to average assets | 2.9915% | 3,741 |
| Loan and lease loss provision to assets | 0.1527% | 5,373 |
| Net operating income to assets | 0.8230% | 2,864 |
| Return on assets (ROA) | 0.8512% | 2,876 |
| Pretax return on assets | 1.0997% | 2,786 |
| Return on Equity (ROE) | 7.7260% | 3,001 |
| Retained earnings to average equity (ytd only) | 4.0293% | 3,519 |
| Net charge-offs to loans | 0.1010% | 5,135 |
| Credit loss provision to net charge-offs | 250.0000% | 1,522 |
| Earnings coverage of net charge-offs (x) | 19.9000% | 1,239 |
| Efficiency ratio | 71.1036% | 3,970 |
| Assets per employee ($millions) | 2.5771% | 6,988 |
| Cash dividends to net income (ytd only)* | 47.8469% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3535% | 4,665 |
| Loan loss allowance to noncurrent loans | 31.4667% | 6,269 |
| Noncurrent assets plus other real estate owned to assets | 3.2595% | 2,163 |
| Noncurrent loans to loans | 4.3014% | 1,724 |
| Net loans and leases to total assets | 61.4735% | 4,785 |
| Net loans and leases to deposits | 75.4928% | 4,424 |
| Net loans and leases to core deposits | 85.5274% | 3,903 |
| Total domestic deposits to total assets | 81.4296% | 5,226 |
| Equity capital to assets | 11.3928% | 2,528 |
| Core capital (leverage) ratio | 10.7062% | 2,459 |
| Tier 1 risk-based capital ratio | 18.7498% | 1,777 |
| Total risk-based capital ratio | 20.0132% | 1,748 |
| Memoranda: | ||
| Average total assets | $98,211,000 | 5,133 |
| Average earning assets | $87,933,000 | 5,178 |
| Average equity | $10,820,670 | 4,965 |
| Average total loans | $59,392,330 | 5,205 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7047% | 1,759 |
| Cost of funding earning assets | 1.7969% | 1,887 |
| Net interest margin | 3.9078% | 3,290 |
| Noninterest income to average assets | 0.6589% | 2,888 |
| Noninterest expense to average assets | 2.9608% | 3,817 |
| Loan and lease loss provision to assets | 0.1830% | 4,684 |
| Net operating income to assets | 0.7790% | 3,067 |
| Return on assets (ROA) | 0.8134% | 3,006 |
| Pretax return on assets | 1.0534% | 2,897 |
| Return on Equity (ROE) | 7.5100% | 3,110 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,816 |
| Net charge-offs to loans | 0.0478% | 4,924 |
| Credit loss provision to net charge-offs | 642.8571% | 678 |
| Earnings coverage of net charge-offs (x) | 41.8571% | 661 |
| Efficiency ratio | 71.3026% | 4,068 |
| Assets per employee ($millions) | 2.6202% | 6,999 |
| Cash dividends to net income (ytd only)* | 100.0000% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 4,415 |
| Loan loss allowance to noncurrent loans | 27.2364% | 6,582 |
| Noncurrent assets plus other real estate owned to assets | 3.6006% | 1,947 |
| Noncurrent loans to loans | 5.1402% | 1,400 |
| Net loans and leases to total assets | 57.9318% | 5,449 |
| Net loans and leases to deposits | 71.8686% | 5,069 |
| Net loans and leases to core deposits | 82.4827% | 4,421 |
| Total domestic deposits to total assets | 80.6080% | 5,584 |
| Equity capital to assets | 10.8379% | 2,917 |
| Core capital (leverage) ratio | 10.5081% | 2,613 |
| Tier 1 risk-based capital ratio | 17.8667% | 1,981 |
| Total risk-based capital ratio | 19.1191% | 1,952 |
| Memoranda: | ||
| Average total assets | $98,351,500 | 5,199 |
| Average earning assets | $87,927,000 | 5,245 |
| Average equity | $10,652,500 | 5,059 |
| Average total loans | $58,575,000 | 5,315 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2223% | 1,186 |
| Cost of funding earning assets | 2.1194% | 2,371 |
| Net interest margin | 4.1029% | 2,432 |
| Noninterest income to average assets | 0.6295% | 3,428 |
| Noninterest expense to average assets | 3.2809% | 3,076 |
| Loan and lease loss provision to assets | 0.1702% | 5,988 |
| Net operating income to assets | 0.5665% | 3,461 |
| Return on assets (ROA) | 0.7255% | 2,906 |
| Pretax return on assets | 1.0679% | 2,350 |
| Return on Equity (ROE) | 6.6190% | 2,943 |
| Retained earnings to average equity (ytd only) | 3.9524% | 2,436 |
| Net charge-offs to loans | 0.1621% | 5,657 |
| Credit loss provision to net charge-offs | 173.4043% | 2,440 |
| Earnings coverage of net charge-offs (x) | 10.2340% | 1,705 |
| Efficiency ratio | 76.5652% | 3,427 |
| Assets per employee ($millions) | 2.6253% | 6,990 |
| Cash dividends to net income (ytd only)* | 40.2878% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3316% | 4,581 |
| Loan loss allowance to noncurrent loans | 34.3146% | 6,140 |
| Noncurrent assets plus other real estate owned to assets | 2.9371% | 2,384 |
| Noncurrent loans to loans | 3.8806% | 1,914 |
| Net loans and leases to total assets | 59.5752% | 5,404 |
| Net loans and leases to deposits | 74.2968% | 4,992 |
| Net loans and leases to core deposits | 103.8083% | 3,592 |
| Total domestic deposits to total assets | 80.1855% | 5,618 |
| Equity capital to assets | 10.8240% | 2,845 |
| Core capital (leverage) ratio | 10.6616% | 2,464 |
| Tier 1 risk-based capital ratio | 17.3745% | 2,060 |
| Total risk-based capital ratio | 18.6327% | 2,018 |
| Memoranda: | ||
| Average total assets | $95,796,000 | 5,213 |
| Average earning assets | $85,354,200 | 5,285 |
| Average equity | $10,500,000 | 5,163 |
| Average total loans | $57,988,200 | 5,338 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2545% | 1,229 |
| Cost of funding earning assets | 2.1815% | 2,487 |
| Net interest margin | 4.0730% | 2,503 |
| Noninterest income to average assets | 0.6355% | 3,456 |
| Noninterest expense to average assets | 3.2697% | 3,033 |
| Loan and lease loss provision to assets | 0.1941% | 5,442 |
| Net operating income to assets | 0.5751% | 3,708 |
| Return on assets (ROA) | 0.8003% | 2,877 |
| Pretax return on assets | 1.1146% | 2,518 |
| Return on Equity (ROE) | 7.2784% | 2,956 |
| Retained earnings to average equity (ytd only) | 5.3731% | 2,270 |
| Net charge-offs to loans | 0.2006% | 4,804 |
| Credit loss provision to net charge-offs | 159.7701% | 2,973 |
| Earnings coverage of net charge-offs (x) | 8.1952% | 2,291 |
| Efficiency ratio | 76.6536% | 3,392 |
| Assets per employee ($millions) | 2.5848% | 7,079 |
| Cash dividends to net income (ytd only)* | 26.1787% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 4,500 |
| Loan loss allowance to noncurrent loans | 32.0604% | 6,303 |
| Noncurrent assets plus other real estate owned to assets | 2.9811% | 2,323 |
| Noncurrent loans to loans | 4.0549% | 1,808 |
| Net loans and leases to total assets | 60.6502% | 5,479 |
| Net loans and leases to deposits | 76.5861% | 4,949 |
| Net loans and leases to core deposits | 107.6181% | 3,516 |
| Total domestic deposits to total assets | 79.1922% | 5,741 |
| Equity capital to assets | 11.2530% | 2,789 |
| Core capital (leverage) ratio | 10.7213% | 2,625 |
| Tier 1 risk-based capital ratio | 17.0808% | 2,251 |
| Total risk-based capital ratio | 18.3305% | 2,202 |
| Memoranda: | ||
| Average total assets | $95,461,000 | 5,253 |
| Average earning assets | $85,077,750 | 5,336 |
| Average equity | $10,496,500 | 5,204 |
| Average total loans | $57,822,750 | 5,389 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2442% | 1,349 |
| Cost of funding earning assets | 2.2605% | 2,526 |
| Net interest margin | 3.9836% | 2,771 |
| Noninterest income to average assets | 0.6478% | 3,358 |
| Noninterest expense to average assets | 3.1823% | 3,379 |
| Loan and lease loss provision to assets | 0.1887% | 5,149 |
| Net operating income to assets | 0.6495% | 3,470 |
| Return on assets (ROA) | 0.8847% | 2,619 |
| Pretax return on assets | 1.1174% | 2,571 |
| Return on Equity (ROE) | 8.1091% | 2,726 |
| Retained earnings to average equity (ytd only) | 5.2267% | 2,383 |
| Net charge-offs to loans | 0.1704% | 4,525 |
| Credit loss provision to net charge-offs | 183.6735% | 2,498 |
| Earnings coverage of net charge-offs (x) | 9.8163% | 2,071 |
| Efficiency ratio | 75.9380% | 3,701 |
| Assets per employee ($millions) | 2.5373% | 7,180 |
| Cash dividends to net income (ytd only)* | 35.5450% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2912% | 4,318 |
| Loan loss allowance to noncurrent loans | 31.4668% | 6,373 |
| Noncurrent assets plus other real estate owned to assets | 2.9860% | 2,130 |
| Noncurrent loans to loans | 4.1034% | 1,627 |
| Net loans and leases to total assets | 59.7038% | 5,730 |
| Net loans and leases to deposits | 75.0274% | 5,315 |
| Net loans and leases to core deposits | 101.4111% | 4,360 |
| Total domestic deposits to total assets | 79.5760% | 5,607 |
| Equity capital to assets | 10.7493% | 3,161 |
| Core capital (leverage) ratio | 10.4960% | 2,816 |
| Tier 1 risk-based capital ratio | 16.8091% | 2,362 |
| Total risk-based capital ratio | 18.0600% | 2,309 |
| Memoranda: | ||
| Average total assets | $95,402,330 | 5,298 |
| Average earning assets | $84,847,000 | 5,384 |
| Average equity | $10,408,000 | 5,242 |
| Average total loans | $57,507,670 | 5,447 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3245% | 1,232 |
| Cost of funding earning assets | 2.3301% | 2,575 |
| Net interest margin | 3.9944% | 2,664 |
| Noninterest income to average assets | 1.1423% | 1,130 |
| Noninterest expense to average assets | 3.4101% | 2,328 |
| Loan and lease loss provision to assets | 0.1855% | 4,584 |
| Net operating income to assets | 0.8515% | 2,905 |
| Return on assets (ROA) | 0.8515% | 3,060 |
| Pretax return on assets | 1.0875% | 3,033 |
| Return on Equity (ROE) | 7.7469% | 3,265 |
| Retained earnings to average equity (ytd only) | 1.9942% | 4,750 |
| Net charge-offs to loans | 0.0911% | 4,263 |
| Credit loss provision to net charge-offs | 338.4615% | 1,472 |
| Earnings coverage of net charge-offs (x) | 23.2308% | 1,284 |
| Efficiency ratio | 72.8173% | 4,034 |
| Assets per employee ($millions) | 2.5129% | 7,254 |
| Cash dividends to net income (ytd only)* | 74.2574% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 4,184 |
| Loan loss allowance to noncurrent loans | 83.4831% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.4556% | 3,750 |
| Noncurrent loans to loans | 1.5354% | 3,975 |
| Net loans and leases to total assets | 59.9256% | 5,666 |
| Net loans and leases to deposits | 75.6318% | 5,271 |
| Net loans and leases to core deposits | 103.5111% | 4,191 |
| Total domestic deposits to total assets | 79.2334% | 5,632 |
| Equity capital to assets | 10.8242% | 3,151 |
| Core capital (leverage) ratio | 10.4168% | 3,017 |
| Tier 1 risk-based capital ratio | 16.9469% | 2,356 |
| Total risk-based capital ratio | 18.1973% | 2,286 |
| Memoranda: | ||
| Average total assets | $94,895,500 | 5,335 |
| Average earning assets | $84,117,000 | 5,425 |
| Average equity | $10,430,000 | 5,250 |
| Average total loans | $57,103,000 | 5,493 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0188% | 1,089 |
| Cost of funding earning assets | 3.0884% | 1,542 |
| Net interest margin | 3.9304% | 3,443 |
| Noninterest income to average assets | 0.8495% | 2,237 |
| Noninterest expense to average assets | 3.3048% | 2,947 |
| Loan and lease loss provision to assets | 0.1242% | 5,774 |
| Net operating income to assets | 0.7884% | 3,487 |
| Return on assets (ROA) | 0.7884% | 3,324 |
| Pretax return on assets | 0.9219% | 3,652 |
| Return on Equity (ROE) | 7.5957% | 3,244 |
| Retained earnings to average equity (ytd only) | 5.1037% | 1,961 |
| Net charge-offs to loans | 0.2347% | 3,903 |
| Credit loss provision to net charge-offs | 87.5912% | 5,732 |
| Earnings coverage of net charge-offs (x) | 7.3796% | 3,128 |
| Efficiency ratio | 75.9572% | 3,239 |
| Assets per employee ($millions) | 2.3575% | 7,473 |
| Cash dividends to net income (ytd only)* | 32.8084% | 4,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2660% | 4,015 |
| Loan loss allowance to noncurrent loans | 89.0000% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.3796% | 3,429 |
| Noncurrent loans to loans | 1.4225% | 3,672 |
| Net loans and leases to total assets | 58.8838% | 6,076 |
| Net loans and leases to deposits | 75.0419% | 5,725 |
| Net loans and leases to core deposits | 104.0630% | 4,390 |
| Total domestic deposits to total assets | 78.4679% | 5,557 |
| Equity capital to assets | 11.1600% | 2,911 |
| Core capital (leverage) ratio | 10.3367% | 3,131 |
| Tier 1 risk-based capital ratio | 17.2447% | 2,243 |
| Total risk-based capital ratio | 18.4955% | 2,194 |
| Memoranda: | ||
| Average total assets | $96,648,200 | 5,148 |
| Average earning assets | $86,097,600 | 5,230 |
| Average equity | $10,032,000 | 5,402 |
| Average total loans | $58,369,800 | 5,348 |