Home > Bank of Dade > Performance and Condition Ratios
Bank of Dade, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7250% | 2,621 |
| Cost of funding earning assets | 0.4750% | 4,220 |
| Net interest margin | 4.2500% | 878 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.3524% | 2,713 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 2.2070% | 333 |
| Return on assets (ROA) | 2.1737% | 347 |
| Pretax return on assets | 2.1737% | 510 |
| Return on Equity (ROE) | 60.3400% | 39 |
| Retained earnings to average equity (ytd only) | 31.9161% | 42 |
| Net charge-offs to loans | 0.0267% | 1,786 |
| Credit loss provision to net charge-offs | 433.3333% | 742 |
| Earnings coverage of net charge-offs (x) | 159.0000% | 683 |
| Efficiency ratio | 50.9043% | 3,917 |
| Assets per employee ($millions) | 4.6545% | 3,851 |
| Cash dividends to net income (ytd only)* | 47.1085% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 2,546 |
| Loan loss allowance to noncurrent loans | 71.5147% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.8724% | 577 |
| Noncurrent loans to loans | 1.6084% | 404 |
| Net loans and leases to total assets | 53.1000% | 3,409 |
| Net loans and leases to deposits | 55.8392% | 3,718 |
| Net loans and leases to core deposits | 57.3163% | 3,862 |
| Total domestic deposits to total assets | 95.0900% | 57 |
| Equity capital to assets | 4.6218% | 4,453 |
| Core capital (leverage) ratio | 9.4587% | 3,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8205% | 959 |
| Memoranda: | ||
| Average total assets | $147,166,000 | 3,391 |
| Average earning assets | $142,328,400 | 3,317 |
| Average equity | $5,301,400 | 4,232 |
| Average total loans | $78,521,200 | 3,430 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6276% | 2,615 |
| Cost of funding earning assets | 0.4262% | 4,227 |
| Net interest margin | 4.2014% | 923 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.3083% | 2,766 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 2.2057% | 372 |
| Return on assets (ROA) | 2.1636% | 390 |
| Pretax return on assets | 2.1636% | 585 |
| Return on Equity (ROE) | 64.9100% | 45 |
| Retained earnings to average equity (ytd only) | 23.4949% | 158 |
| Net charge-offs to loans | -0.0103% | 3,940 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.4404% | 3,880 |
| Assets per employee ($millions) | 4.9987% | 3,609 |
| Cash dividends to net income (ytd only)* | 63.8019% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 2,471 |
| Loan loss allowance to noncurrent loans | 131.8119% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.4987% | 1,163 |
| Noncurrent loans to loans | 0.8960% | 920 |
| Net loans and leases to total assets | 55.0100% | 3,286 |
| Net loans and leases to deposits | 56.8494% | 3,666 |
| Net loans and leases to core deposits | 58.1924% | 3,778 |
| Total domestic deposits to total assets | 96.7600% | 55 |
| Equity capital to assets | 2.8607% | 4,499 |
| Core capital (leverage) ratio | 9.5020% | 3,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6494% | 995 |
| Memoranda: | ||
| Average total assets | $145,558,250 | 3,411 |
| Average earning assets | $140,774,750 | 3,347 |
| Average equity | $4,852,000 | 4,281 |
| Average total loans | $77,525,250 | 3,448 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5483% | 2,528 |
| Cost of funding earning assets | 0.3574% | 4,231 |
| Net interest margin | 4.1909% | 944 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 2.2531% | 2,941 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 2.2695% | 318 |
| Return on assets (ROA) | 2.2064% | 344 |
| Pretax return on assets | 2.2064% | 526 |
| Return on Equity (ROE) | 63.2200% | 43 |
| Retained earnings to average equity (ytd only) | 3.9709% | 3,213 |
| Net charge-offs to loans | 0.0131% | 1,701 |
| Credit loss provision to net charge-offs | 1,120.0000% | 378 |
| Earnings coverage of net charge-offs (x) | 342.0000% | 409 |
| Efficiency ratio | 48.9857% | 3,998 |
| Assets per employee ($millions) | 4.8099% | 3,742 |
| Cash dividends to net income (ytd only)* | 93.7189% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 2,478 |
| Loan loss allowance to noncurrent loans | 117.8707% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.5468% | 992 |
| Noncurrent loans to loans | 1.0126% | 744 |
| Net loans and leases to total assets | 53.3600% | 3,315 |
| Net loans and leases to deposits | 55.6188% | 3,667 |
| Net loans and leases to core deposits | 56.2211% | 3,807 |
| Total domestic deposits to total assets | 95.9300% | 58 |
| Equity capital to assets | 3.5503% | 4,540 |
| Core capital (leverage) ratio | 9.2501% | 3,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4905% | 1,039 |
| Memoranda: | ||
| Average total assets | $145,756,667 | 3,420 |
| Average earning assets | $141,020,000 | 3,354 |
| Average equity | $5,087,000 | 4,288 |
| Average total loans | $76,470,333 | 3,470 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4229% | 2,485 |
| Cost of funding earning assets | 0.2960% | 4,208 |
| Net interest margin | 4.1269% | 1,060 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.2255% | 3,027 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 2.1162% | 420 |
| Return on assets (ROA) | 2.1162% | 412 |
| Pretax return on assets | 2.1162% | 641 |
| Return on Equity (ROE) | 61.1600% | 57 |
| Retained earnings to average equity (ytd only) | -57.7629% | 4,674 |
| Net charge-offs to loans | 0.1162% | 541 |
| Credit loss provision to net charge-offs | 227.2727% | 777 |
| Earnings coverage of net charge-offs (x) | 37.5000% | 1,214 |
| Efficiency ratio | 49.6951% | 3,964 |
| Assets per employee ($millions) | 5.0269% | 3,643 |
| Cash dividends to net income (ytd only)* | 194.4516% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 2,687 |
| Loan loss allowance to noncurrent loans | 254.0616% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 1,897 |
| Noncurrent loans to loans | 0.4628% | 1,560 |
| Net loans and leases to total assets | 52.2900% | 3,329 |
| Net loans and leases to deposits | 54.4278% | 3,657 |
| Net loans and leases to core deposits | 55.1101% | 3,787 |
| Total domestic deposits to total assets | 96.0700% | 48 |
| Equity capital to assets | 3.3015% | 4,584 |
| Core capital (leverage) ratio | 8.7146% | 3,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7085% | 1,208 |
| Memoranda: | ||
| Average total assets | $146,486,500 | 3,460 |
| Average earning assets | $141,897,000 | 3,390 |
| Average equity | $5,069,000 | 4,346 |
| Average total loans | $75,744,500 | 3,518 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1360% | 1,384 |
| Cost of funding earning assets | 0.1483% | 4,134 |
| Net interest margin | 3.9877% | 805 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.1765% | 3,084 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 2.0704% | 260 |
| Return on assets (ROA) | 2.0753% | 249 |
| Pretax return on assets | 2.0753% | 399 |
| Return on Equity (ROE) | 40.0900% | 58 |
| Retained earnings to average equity (ytd only) | 24.2718% | 49 |
| Net charge-offs to loans | 0.0729% | 917 |
| Credit loss provision to net charge-offs | 130.0000% | 1,407 |
| Earnings coverage of net charge-offs (x) | 61.4400% | 1,238 |
| Efficiency ratio | 50.7139% | 4,086 |
| Assets per employee ($millions) | 4.5998% | 3,967 |
| Cash dividends to net income (ytd only)* | 39.4492% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1486% | 2,650 |
| Loan loss allowance to noncurrent loans | 364.9573% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.1590% | 2,422 |
| Noncurrent loans to loans | 0.3147% | 2,021 |
| Net loans and leases to total assets | 49.9300% | 3,507 |
| Net loans and leases to deposits | 51.8596% | 3,810 |
| Net loans and leases to core deposits | 52.5016% | 3,889 |
| Total domestic deposits to total assets | 96.2900% | 72 |
| Equity capital to assets | 3.6177% | 4,557 |
| Core capital (leverage) ratio | 9.4526% | 3,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0933% | 966 |
| Memoranda: | ||
| Average total assets | $145,234,400 | 3,490 |
| Average earning assets | $139,580,400 | 3,422 |
| Average equity | $7,519,000 | 4,146 |
| Average total loans | $68,569,000 | 3,601 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0352% | 1,196 |
| Cost of funding earning assets | 0.1306% | 4,027 |
| Net interest margin | 3.9046% | 799 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.1389% | 3,104 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 2.0495% | 267 |
| Return on assets (ROA) | 2.0587% | 267 |
| Pretax return on assets | 2.0587% | 410 |
| Return on Equity (ROE) | 36.9400% | 51 |
| Retained earnings to average equity (ytd only) | 17.2870% | 194 |
| Net charge-offs to loans | 0.0616% | 873 |
| Credit loss provision to net charge-offs | 64.5161% | 1,472 |
| Earnings coverage of net charge-offs (x) | 72.4194% | 1,090 |
| Efficiency ratio | 50.8430% | 4,108 |
| Assets per employee ($millions) | 4.8877% | 3,772 |
| Cash dividends to net income (ytd only)* | 53.1991% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 2,776 |
| Loan loss allowance to noncurrent loans | 155.9322% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 1,443 |
| Noncurrent loans to loans | 0.7398% | 1,096 |
| Net loans and leases to total assets | 50.0500% | 3,456 |
| Net loans and leases to deposits | 52.1999% | 3,717 |
| Net loans and leases to core deposits | 52.7342% | 3,819 |
| Total domestic deposits to total assets | 95.8900% | 144 |
| Equity capital to assets | 3.0414% | 4,588 |
| Core capital (leverage) ratio | 9.2899% | 3,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8638% | 1,017 |
| Memoranda: | ||
| Average total assets | $144,745,000 | 3,516 |
| Average earning assets | $138,841,500 | 3,455 |
| Average equity | $8,067,500 | 4,128 |
| Average total loans | $67,123,250 | 3,641 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9293% | 1,056 |
| Cost of funding earning assets | 0.1119% | 4,059 |
| Net interest margin | 3.8175% | 723 |
| Noninterest income to average assets | 0.4501% | 2,448 |
| Noninterest expense to average assets | 2.0556% | 3,279 |
| Loan and lease loss provision to assets | 0.0069% | 2,476 |
| Net operating income to assets | 2.0405% | 213 |
| Return on assets (ROA) | 2.0611% | 206 |
| Pretax return on assets | 2.0611% | 332 |
| Return on Equity (ROE) | 32.2329% | 48 |
| Retained earnings to average equity (ytd only) | 6.7170% | 2,081 |
| Net charge-offs to loans | -0.1190% | 4,487 |
| Credit loss provision to net charge-offs | -12.8205% | 2,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1003% | 4,240 |
| Assets per employee ($millions) | 4.8069% | 3,842 |
| Cash dividends to net income (ytd only)* | 79.1611% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 2,135 |
| Loan loss allowance to noncurrent loans | 170.4633% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.3592% | 1,560 |
| Noncurrent loans to loans | 0.7693% | 1,118 |
| Net loans and leases to total assets | 46.0785% | 3,706 |
| Net loans and leases to deposits | 48.2143% | 3,911 |
| Net loans and leases to core deposits | 48.7005% | 3,994 |
| Total domestic deposits to total assets | 95.5702% | 106 |
| Equity capital to assets | 3.2953% | 4,676 |
| Core capital (leverage) ratio | 8.9695% | 3,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6831% | 1,037 |
| Memoranda: | ||
| Average total assets | $145,745,667 | 3,541 |
| Average earning assets | $139,464,000 | 3,497 |
| Average equity | $9,319,667 | 4,073 |
| Average total loans | $65,572,667 | 3,702 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7826% | 1,115 |
| Cost of funding earning assets | 0.1118% | 3,985 |
| Net interest margin | 3.6708% | 789 |
| Noninterest income to average assets | 0.4286% | 2,505 |
| Noninterest expense to average assets | 1.9766% | 3,494 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.9493% | 242 |
| Return on assets (ROA) | 1.9820% | 229 |
| Pretax return on assets | 1.9820% | 371 |
| Return on Equity (ROE) | 25.0269% | 97 |
| Retained earnings to average equity (ytd only) | -15.9607% | 4,655 |
| Net charge-offs to loans | 0.1237% | 448 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 35.7000% | 1,060 |
| Efficiency ratio | 50.3477% | 4,298 |
| Assets per employee ($millions) | 4.8375% | 3,892 |
| Cash dividends to net income (ytd only)* | 163.7741% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 2,613 |
| Loan loss allowance to noncurrent loans | 136.9565% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.4121% | 1,471 |
| Noncurrent loans to loans | 0.9118% | 1,009 |
| Net loans and leases to total assets | 44.6270% | 3,695 |
| Net loans and leases to deposits | 47.6890% | 3,888 |
| Net loans and leases to core deposits | 48.1771% | 3,975 |
| Total domestic deposits to total assets | 93.5793% | 158 |
| Equity capital to assets | 6.2477% | 4,517 |
| Core capital (leverage) ratio | 8.8105% | 3,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9340% | 1,279 |
| Memoranda: | ||
| Average total assets | $146,515,500 | 3,544 |
| Average earning assets | $139,586,500 | 3,506 |
| Average equity | $11,603,500 | 3,896 |
| Average total loans | $64,693,500 | 3,723 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7538% | 1,975 |
| Cost of funding earning assets | 0.1391% | 4,075 |
| Net interest margin | 3.6148% | 1,428 |
| Noninterest income to average assets | 0.4313% | 2,897 |
| Noninterest expense to average assets | 2.2365% | 2,976 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.6539% | 701 |
| Return on assets (ROA) | 1.7288% | 617 |
| Pretax return on assets | 1.7288% | 1,074 |
| Return on Equity (ROE) | 16.7222% | 636 |
| Retained earnings to average equity (ytd only) | 9.5184% | 1,040 |
| Net charge-offs to loans | -0.1759% | 4,688 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4874% | 3,523 |
| Assets per employee ($millions) | 4.9302% | 3,795 |
| Cash dividends to net income (ytd only)* | 43.0795% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 2,295 |
| Loan loss allowance to noncurrent loans | 108.8197% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.5213% | 1,285 |
| Noncurrent loans to loans | 1.2084% | 793 |
| Net loans and leases to total assets | 42.5703% | 3,942 |
| Net loans and leases to deposits | 47.1284% | 4,042 |
| Net loans and leases to core deposits | 47.5286% | 4,116 |
| Total domestic deposits to total assets | 90.3283% | 794 |
| Equity capital to assets | 9.5601% | 3,092 |
| Core capital (leverage) ratio | 9.5481% | 2,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0824% | 1,026 |
| Memoranda: | ||
| Average total assets | $137,490,400 | 3,602 |
| Average earning assets | $131,572,000 | 3,552 |
| Average equity | $14,214,600 | 3,716 |
| Average total loans | $57,435,000 | 3,863 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7278% | 2,200 |
| Cost of funding earning assets | 0.1465% | 4,142 |
| Net interest margin | 3.5813% | 1,643 |
| Noninterest income to average assets | 0.4231% | 2,962 |
| Noninterest expense to average assets | 2.2211% | 3,003 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6329% | 951 |
| Return on assets (ROA) | 1.6932% | 884 |
| Pretax return on assets | 1.6932% | 1,420 |
| Return on Equity (ROE) | 16.0465% | 941 |
| Retained earnings to average equity (ytd only) | 1.3208% | 4,349 |
| Net charge-offs to loans | -0.2053% | 4,774 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6302% | 3,332 |
| Assets per employee ($millions) | 4.4037% | 4,188 |
| Cash dividends to net income (ytd only)* | 91.7688% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3416% | 2,268 |
| Loan loss allowance to noncurrent loans | 109.4290% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.5343% | 1,422 |
| Noncurrent loans to loans | 1.2260% | 903 |
| Net loans and leases to total assets | 42.9985% | 4,023 |
| Net loans and leases to deposits | 48.2440% | 4,104 |
| Net loans and leases to core deposits | 48.6800% | 4,205 |
| Total domestic deposits to total assets | 89.1271% | 1,213 |
| Equity capital to assets | 10.3939% | 2,535 |
| Core capital (leverage) ratio | 9.6834% | 2,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8081% | 850 |
| Memoranda: | ||
| Average total assets | $134,886,500 | 3,670 |
| Average earning assets | $129,222,750 | 3,621 |
| Average equity | $14,233,250 | 3,763 |
| Average total loans | $55,843,000 | 3,947 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6677% | 2,423 |
| Cost of funding earning assets | 0.1533% | 4,181 |
| Net interest margin | 3.5144% | 1,818 |
| Noninterest income to average assets | 0.4666% | 2,773 |
| Noninterest expense to average assets | 2.2337% | 2,972 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6150% | 1,022 |
| Return on assets (ROA) | 1.6301% | 1,040 |
| Pretax return on assets | 1.6301% | 1,654 |
| Return on Equity (ROE) | 15.3668% | 1,076 |
| Retained earnings to average equity (ytd only) | -3.9729% | 4,757 |
| Net charge-offs to loans | -0.3334% | 4,855 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0368% | 3,281 |
| Assets per employee ($millions) | 4.2697% | 4,276 |
| Cash dividends to net income (ytd only)* | 125.8541% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 1,658 |
| Loan loss allowance to noncurrent loans | 109.9602% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.5855% | 1,425 |
| Noncurrent loans to loans | 1.3455% | 869 |
| Net loans and leases to total assets | 40.3532% | 4,276 |
| Net loans and leases to deposits | 45.1634% | 4,341 |
| Net loans and leases to core deposits | 45.5827% | 4,405 |
| Total domestic deposits to total assets | 89.3494% | 1,111 |
| Equity capital to assets | 10.3439% | 2,547 |
| Core capital (leverage) ratio | 9.5867% | 2,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1367% | 688 |
| Memoranda: | ||
| Average total assets | $132,875,667 | 3,705 |
| Average earning assets | $127,874,000 | 3,651 |
| Average equity | $14,095,333 | 3,781 |
| Average total loans | $53,985,000 | 4,005 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6275% | 2,553 |
| Cost of funding earning assets | 0.1647% | 4,201 |
| Net interest margin | 3.4627% | 1,923 |
| Noninterest income to average assets | 0.4366% | 2,885 |
| Noninterest expense to average assets | 2.2229% | 3,037 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5512% | 1,213 |
| Return on assets (ROA) | 1.5542% | 1,273 |
| Pretax return on assets | 1.5542% | 1,846 |
| Return on Equity (ROE) | 14.4638% | 1,337 |
| Retained earnings to average equity (ytd only) | -19.0957% | 4,911 |
| Net charge-offs to loans | -0.6189% | 4,898 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8997% | 3,168 |
| Assets per employee ($millions) | 4.0256% | 4,466 |
| Cash dividends to net income (ytd only)* | 232.0236% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5445% | 1,444 |
| Loan loss allowance to noncurrent loans | 113.7309% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.5427% | 1,747 |
| Noncurrent loans to loans | 1.3580% | 945 |
| Net loans and leases to total assets | 39.3481% | 4,371 |
| Net loans and leases to deposits | 43.7503% | 4,430 |
| Net loans and leases to core deposits | 44.1654% | 4,493 |
| Total domestic deposits to total assets | 89.9379% | 850 |
| Equity capital to assets | 9.8295% | 2,866 |
| Core capital (leverage) ratio | 9.6801% | 2,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3978% | 634 |
| Memoranda: | ||
| Average total assets | $130,998,000 | 3,727 |
| Average earning assets | $126,259,000 | 3,668 |
| Average equity | $14,076,500 | 3,788 |
| Average total loans | $52,996,000 | 4,036 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9667% | 2,834 |
| Cost of funding earning assets | 0.2505% | 4,372 |
| Net interest margin | 3.7163% | 1,739 |
| Noninterest income to average assets | 0.4412% | 2,907 |
| Noninterest expense to average assets | 2.4344% | 3,037 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.5896% | 660 |
| Return on assets (ROA) | 1.6772% | 566 |
| Pretax return on assets | 1.6772% | 892 |
| Return on Equity (ROE) | 14.7767% | 672 |
| Retained earnings to average equity (ytd only) | 3.1371% | 3,269 |
| Net charge-offs to loans | 0.0092% | 2,996 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 388.4000% | 284 |
| Efficiency ratio | 60.4963% | 3,384 |
| Assets per employee ($millions) | 3.7986% | 4,511 |
| Cash dividends to net income (ytd only)* | 78.7701% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3951% | 1,991 |
| Loan loss allowance to noncurrent loans | 72.2821% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 0.7905% | 1,295 |
| Noncurrent loans to loans | 1.9301% | 614 |
| Net loans and leases to total assets | 40.3884% | 4,426 |
| Net loans and leases to deposits | 45.8418% | 4,471 |
| Net loans and leases to core deposits | 46.2987% | 4,540 |
| Total domestic deposits to total assets | 88.1038% | 1,427 |
| Equity capital to assets | 11.6879% | 1,741 |
| Core capital (leverage) ratio | 10.5306% | 2,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9491% | 506 |
| Memoranda: | ||
| Average total assets | $122,167,800 | 3,718 |
| Average earning assets | $117,779,800 | 3,649 |
| Average equity | $13,866,400 | 3,778 |
| Average total loans | $54,443,000 | 4,013 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0560% | 2,804 |
| Cost of funding earning assets | 0.2620% | 4,464 |
| Net interest margin | 3.7939% | 1,633 |
| Noninterest income to average assets | 0.4362% | 2,901 |
| Noninterest expense to average assets | 2.4192% | 3,083 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.6719% | 617 |
| Return on assets (ROA) | 1.7649% | 553 |
| Pretax return on assets | 1.7649% | 841 |
| Return on Equity (ROE) | 15.6740% | 586 |
| Retained earnings to average equity (ytd only) | 1.2783% | 4,159 |
| Net charge-offs to loans | -0.2675% | 4,945 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1340% | 3,503 |
| Assets per employee ($millions) | 3.6622% | 4,575 |
| Cash dividends to net income (ytd only)* | 91.8444% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5342% | 1,284 |
| Loan loss allowance to noncurrent loans | 82.0982% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 0.8344% | 1,386 |
| Noncurrent loans to loans | 1.8688% | 687 |
| Net loans and leases to total assets | 43.9666% | 4,418 |
| Net loans and leases to deposits | 50.0114% | 4,487 |
| Net loans and leases to core deposits | 50.5065% | 4,566 |
| Total domestic deposits to total assets | 87.9131% | 1,256 |
| Equity capital to assets | 11.8773% | 1,752 |
| Core capital (leverage) ratio | 10.4069% | 2,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6178% | 477 |
| Memoranda: | ||
| Average total assets | $120,422,000 | 3,734 |
| Average earning assets | $116,007,250 | 3,663 |
| Average equity | $13,559,250 | 3,815 |
| Average total loans | $54,828,750 | 4,027 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0528% | 3,185 |
| Cost of funding earning assets | 0.2773% | 4,545 |
| Net interest margin | 3.7756% | 1,897 |
| Noninterest income to average assets | 0.4267% | 2,925 |
| Noninterest expense to average assets | 2.4274% | 3,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6362% | 698 |
| Return on assets (ROA) | 1.7286% | 642 |
| Pretax return on assets | 1.7286% | 935 |
| Return on Equity (ROE) | 15.6510% | 620 |
| Retained earnings to average equity (ytd only) | -3.7112% | 4,708 |
| Net charge-offs to loans | -0.0806% | 4,807 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7354% | 3,443 |
| Assets per employee ($millions) | 3.6749% | 4,569 |
| Cash dividends to net income (ytd only)* | 123.7123% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3915% | 1,619 |
| Loan loss allowance to noncurrent loans | 64.2317% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 0.9532% | 1,271 |
| Noncurrent loans to loans | 2.1664% | 588 |
| Net loans and leases to total assets | 43.3887% | 4,482 |
| Net loans and leases to deposits | 49.0726% | 4,569 |
| Net loans and leases to core deposits | 49.7052% | 4,625 |
| Total domestic deposits to total assets | 88.4173% | 981 |
| Equity capital to assets | 11.3634% | 2,068 |
| Core capital (leverage) ratio | 10.2974% | 2,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9188% | 510 |
| Memoranda: | ||
| Average total assets | $119,057,667 | 3,735 |
| Average earning assets | $114,685,000 | 3,670 |
| Average equity | $13,149,333 | 3,855 |
| Average total loans | $54,572,333 | 4,043 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2237% | 3,137 |
| Cost of funding earning assets | 0.2828% | 4,703 |
| Net interest margin | 3.9409% | 1,549 |
| Noninterest income to average assets | 0.4478% | 2,801 |
| Noninterest expense to average assets | 2.5768% | 3,056 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6639% | 547 |
| Return on assets (ROA) | 1.7603% | 491 |
| Pretax return on assets | 1.7603% | 754 |
| Return on Equity (ROE) | 16.1901% | 402 |
| Retained earnings to average equity (ytd only) | -18.9149% | 4,948 |
| Net charge-offs to loans | -0.0809% | 4,772 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7636% | 3,646 |
| Assets per employee ($millions) | 3.3520% | 4,597 |
| Cash dividends to net income (ytd only)* | 216.8297% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3792% | 1,775 |
| Loan loss allowance to noncurrent loans | 76.3931% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 0.8413% | 1,594 |
| Noncurrent loans to loans | 1.8054% | 831 |
| Net loans and leases to total assets | 45.9564% | 4,427 |
| Net loans and leases to deposits | 51.3995% | 4,548 |
| Net loans and leases to core deposits | 51.9282% | 4,630 |
| Total domestic deposits to total assets | 89.4102% | 502 |
| Equity capital to assets | 10.3964% | 3,423 |
| Core capital (leverage) ratio | 10.5012% | 2,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4160% | 534 |
| Memoranda: | ||
| Average total assets | $116,114,000 | 3,760 |
| Average earning assets | $111,750,500 | 3,689 |
| Average equity | $12,625,000 | 3,925 |
| Average total loans | $54,370,000 | 4,064 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3694% | 3,334 |
| Cost of funding earning assets | 0.2711% | 4,798 |
| Net interest margin | 4.0983% | 1,547 |
| Noninterest income to average assets | 0.4245% | 3,142 |
| Noninterest expense to average assets | 2.6802% | 2,940 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6845% | 684 |
| Return on assets (ROA) | 1.7008% | 702 |
| Pretax return on assets | 1.7008% | 1,184 |
| Return on Equity (ROE) | 15.8016% | 565 |
| Retained earnings to average equity (ytd only) | 2.8761% | 3,600 |
| Net charge-offs to loans | -0.4639% | 5,122 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4061% | 3,477 |
| Assets per employee ($millions) | 3.3796% | 4,585 |
| Cash dividends to net income (ytd only)* | 81.7988% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3741% | 1,612 |
| Loan loss allowance to noncurrent loans | 75.1264% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 0.8607% | 1,490 |
| Noncurrent loans to loans | 1.8291% | 733 |
| Net loans and leases to total assets | 46.4084% | 4,503 |
| Net loans and leases to deposits | 52.4738% | 4,593 |
| Net loans and leases to core deposits | 53.0311% | 4,674 |
| Total domestic deposits to total assets | 88.4412% | 914 |
| Equity capital to assets | 11.3595% | 2,652 |
| Core capital (leverage) ratio | 11.3495% | 2,217 |
| Tier 1 risk-based capital ratio | 23.8673% | 842 |
| Total risk-based capital ratio | 25.1187% | 827 |
| Memoranda: | ||
| Average total assets | $110,476,000 | 3,823 |
| Average earning assets | $106,214,800 | 3,774 |
| Average equity | $11,891,200 | 4,011 |
| Average total loans | $52,592,400 | 4,131 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3994% | 3,358 |
| Cost of funding earning assets | 0.2662% | 4,884 |
| Net interest margin | 4.1331% | 1,542 |
| Noninterest income to average assets | 0.4352% | 3,102 |
| Noninterest expense to average assets | 2.7491% | 2,714 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6604% | 809 |
| Return on assets (ROA) | 1.6823% | 814 |
| Pretax return on assets | 1.6823% | 1,390 |
| Return on Equity (ROE) | 15.8606% | 633 |
| Retained earnings to average equity (ytd only) | 0.2299% | 4,718 |
| Net charge-offs to loans | -0.6025% | 5,201 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3445% | 3,273 |
| Assets per employee ($millions) | 3.1850% | 4,766 |
| Cash dividends to net income (ytd only)* | 98.5510% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3841% | 1,637 |
| Loan loss allowance to noncurrent loans | 81.4856% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 0.8791% | 1,559 |
| Noncurrent loans to loans | 1.6986% | 859 |
| Net loans and leases to total assets | 48.3590% | 4,497 |
| Net loans and leases to deposits | 55.1091% | 4,589 |
| Net loans and leases to core deposits | 55.7355% | 4,691 |
| Total domestic deposits to total assets | 87.7514% | 1,145 |
| Equity capital to assets | 11.6419% | 2,568 |
| Core capital (leverage) ratio | 11.4466% | 2,259 |
| Tier 1 risk-based capital ratio | 24.4561% | 809 |
| Total risk-based capital ratio | 25.7085% | 792 |
| Memoranda: | ||
| Average total assets | $109,368,000 | 3,882 |
| Average earning assets | $105,164,000 | 3,830 |
| Average equity | $11,600,750 | 4,086 |
| Average total loans | $52,223,000 | 4,181 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3461% | 3,500 |
| Cost of funding earning assets | 0.2505% | 4,957 |
| Net interest margin | 4.0956% | 1,623 |
| Noninterest income to average assets | 0.3955% | 3,293 |
| Noninterest expense to average assets | 2.7960% | 2,604 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5329% | 1,054 |
| Return on assets (ROA) | 1.5402% | 1,083 |
| Pretax return on assets | 1.5402% | 1,730 |
| Return on Equity (ROE) | 15.0018% | 756 |
| Retained earnings to average equity (ytd only) | -6.0185% | 5,092 |
| Net charge-offs to loans | -0.6624% | 5,241 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5895% | 3,041 |
| Assets per employee ($millions) | 3.2283% | 4,753 |
| Cash dividends to net income (ytd only)* | 140.1183% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 2,169 |
| Loan loss allowance to noncurrent loans | 135.5556% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.5184% | 2,482 |
| Noncurrent loans to loans | 0.9328% | 1,753 |
| Net loans and leases to total assets | 47.7338% | 4,580 |
| Net loans and leases to deposits | 53.9249% | 4,682 |
| Net loans and leases to core deposits | 54.5220% | 4,765 |
| Total domestic deposits to total assets | 88.5189% | 872 |
| Equity capital to assets | 11.0493% | 2,994 |
| Core capital (leverage) ratio | 10.9330% | 2,659 |
| Tier 1 risk-based capital ratio | 23.4635% | 900 |
| Total risk-based capital ratio | 24.7126% | 880 |
| Memoranda: | ||
| Average total assets | $109,727,330 | 3,902 |
| Average earning assets | $105,382,670 | 3,854 |
| Average equity | $11,265,330 | 4,136 |
| Average total loans | $51,929,670 | 4,224 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2632% | 3,668 |
| Cost of funding earning assets | 0.2354% | 5,025 |
| Net interest margin | 4.0279% | 1,769 |
| Noninterest income to average assets | 0.4594% | 2,800 |
| Noninterest expense to average assets | 2.7819% | 2,631 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5459% | 1,015 |
| Return on assets (ROA) | 1.5459% | 1,045 |
| Pretax return on assets | 1.5459% | 1,618 |
| Return on Equity (ROE) | 15.6544% | 642 |
| Retained earnings to average equity (ytd only) | -22.8171% | 5,277 |
| Net charge-offs to loans | -0.8411% | 5,299 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2797% | 3,195 |
| Assets per employee ($millions) | 2.9874% | 4,984 |
| Cash dividends to net income (ytd only)* | 245.7547% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 2,792 |
| Loan loss allowance to noncurrent loans | 134.8889% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.6052% | 2,258 |
| Noncurrent loans to loans | 0.8599% | 1,919 |
| Net loans and leases to total assets | 46.7974% | 4,635 |
| Net loans and leases to deposits | 52.0016% | 4,756 |
| Net loans and leases to core deposits | 52.5638% | 4,826 |
| Total domestic deposits to total assets | 89.9922% | 447 |
| Equity capital to assets | 9.7499% | 4,044 |
| Core capital (leverage) ratio | 10.6926% | 2,855 |
| Tier 1 risk-based capital ratio | 22.9981% | 935 |
| Total risk-based capital ratio | 24.1851% | 922 |
| Memoranda: | ||
| Average total assets | $109,709,500 | 3,943 |
| Average earning assets | $105,366,000 | 3,894 |
| Average equity | $10,834,000 | 4,223 |
| Average total loans | $51,362,000 | 4,275 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2551% | 3,258 |
| Cost of funding earning assets | 0.2092% | 4,971 |
| Net interest margin | 4.0459% | 1,841 |
| Noninterest income to average assets | 0.4783% | 2,949 |
| Noninterest expense to average assets | 2.8603% | 2,482 |
| Loan and lease loss provision to assets | -0.3597% | 5,373 |
| Net operating income to assets | 1.8506% | 502 |
| Return on assets (ROA) | 1.8696% | 476 |
| Pretax return on assets | 1.8696% | 770 |
| Return on Equity (ROE) | 19.0625% | 306 |
| Retained earnings to average equity (ytd only) | 3.2706% | 3,771 |
| Net charge-offs to loans | -0.6005% | 5,349 |
| Credit loss provision to net charge-offs | 129.3515% | 2,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7361% | 2,902 |
| Assets per employee ($millions) | 3.0246% | 4,981 |
| Cash dividends to net income (ytd only)* | 82.8426% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9903% | 3,760 |
| Loan loss allowance to noncurrent loans | 57.0938% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 0.9597% | 1,424 |
| Noncurrent loans to loans | 1.7345% | 827 |
| Net loans and leases to total assets | 45.8199% | 4,745 |
| Net loans and leases to deposits | 51.1294% | 4,849 |
| Net loans and leases to core deposits | 51.6930% | 4,903 |
| Total domestic deposits to total assets | 89.6156% | 614 |
| Equity capital to assets | 10.0023% | 3,682 |
| Core capital (leverage) ratio | 11.4110% | 2,171 |
| Tier 1 risk-based capital ratio | 24.6810% | 767 |
| Total risk-based capital ratio | 25.6758% | 764 |
| Memoranda: | ||
| Average total assets | $105,372,800 | 4,011 |
| Average earning assets | $100,867,800 | 3,965 |
| Average equity | $10,334,400 | 4,259 |
| Average total loans | $48,789,200 | 4,337 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2044% | 3,305 |
| Cost of funding earning assets | 0.2028% | 5,012 |
| Net interest margin | 4.0016% | 1,950 |
| Noninterest income to average assets | 0.5091% | 2,815 |
| Noninterest expense to average assets | 2.8211% | 2,568 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5146% | 1,160 |
| Return on assets (ROA) | 1.5401% | 1,090 |
| Pretax return on assets | 1.5401% | 1,766 |
| Return on Equity (ROE) | 15.7847% | 731 |
| Retained earnings to average equity (ytd only) | 0.9808% | 4,856 |
| Net charge-offs to loans | -0.7440% | 5,424 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0677% | 3,025 |
| Assets per employee ($millions) | 2.9069% | 5,102 |
| Cash dividends to net income (ytd only)* | 93.7867% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6520% | 961 |
| Loan loss allowance to noncurrent loans | 185.4664% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.6574% | 2,223 |
| Noncurrent loans to loans | 0.8907% | 1,917 |
| Net loans and leases to total assets | 48.6402% | 4,684 |
| Net loans and leases to deposits | 53.8658% | 4,827 |
| Net loans and leases to core deposits | 54.4332% | 4,897 |
| Total domestic deposits to total assets | 90.2989% | 412 |
| Equity capital to assets | 9.3427% | 4,232 |
| Core capital (leverage) ratio | 11.3921% | 2,254 |
| Tier 1 risk-based capital ratio | 23.9590% | 851 |
| Total risk-based capital ratio | 25.2126% | 835 |
| Memoranda: | ||
| Average total assets | $104,494,750 | 4,061 |
| Average earning assets | $99,924,500 | 4,019 |
| Average equity | $10,195,250 | 4,319 |
| Average total loans | $48,389,000 | 4,390 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1189% | 3,384 |
| Cost of funding earning assets | 0.1883% | 5,082 |
| Net interest margin | 3.9306% | 2,107 |
| Noninterest income to average assets | 0.4557% | 3,116 |
| Noninterest expense to average assets | 2.7575% | 2,817 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4553% | 1,264 |
| Return on assets (ROA) | 1.4783% | 1,206 |
| Pretax return on assets | 1.4783% | 1,896 |
| Return on Equity (ROE) | 14.9400% | 864 |
| Retained earnings to average equity (ytd only) | -4.4897% | 5,266 |
| Net charge-offs to loans | -0.8717% | 5,484 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4545% | 3,072 |
| Assets per employee ($millions) | 2.9229% | 5,147 |
| Cash dividends to net income (ytd only)* | 130.0518% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6230% | 1,051 |
| Loan loss allowance to noncurrent loans | 239.6970% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.6196% | 2,363 |
| Noncurrent loans to loans | 0.6771% | 2,411 |
| Net loans and leases to total assets | 45.5670% | 4,849 |
| Net loans and leases to deposits | 50.4434% | 4,969 |
| Net loans and leases to core deposits | 50.9706% | 5,021 |
| Total domestic deposits to total assets | 90.3329% | 457 |
| Equity capital to assets | 9.4856% | 4,120 |
| Core capital (leverage) ratio | 11.0588% | 2,473 |
| Tier 1 risk-based capital ratio | 24.3170% | 807 |
| Total risk-based capital ratio | 25.5708% | 782 |
| Memoranda: | ||
| Average total assets | $104,443,670 | 4,103 |
| Average earning assets | $99,833,000 | 4,052 |
| Average equity | $10,334,670 | 4,334 |
| Average total loans | $47,266,670 | 4,453 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9947% | 3,626 |
| Cost of funding earning assets | 0.1768% | 5,130 |
| Net interest margin | 3.8179% | 2,344 |
| Noninterest income to average assets | 0.5074% | 2,761 |
| Noninterest expense to average assets | 2.7716% | 2,798 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3877% | 1,377 |
| Return on assets (ROA) | 1.3877% | 1,388 |
| Pretax return on assets | 1.3877% | 2,056 |
| Return on Equity (ROE) | 13.7373% | 1,071 |
| Retained earnings to average equity (ytd only) | -19.3693% | 5,499 |
| Net charge-offs to loans | 0.0086% | 2,427 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 361.0000% | 190 |
| Efficiency ratio | 66.6359% | 3,059 |
| Assets per employee ($millions) | 2.9088% | 5,212 |
| Cash dividends to net income (ytd only)* | 240.9972% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 2,645 |
| Loan loss allowance to noncurrent loans | 198.6395% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.4039% | 3,214 |
| Noncurrent loans to loans | 0.6182% | 2,687 |
| Net loans and leases to total assets | 44.8609% | 4,857 |
| Net loans and leases to deposits | 49.5920% | 4,978 |
| Net loans and leases to core deposits | 50.1120% | 5,040 |
| Total domestic deposits to total assets | 90.4600% | 486 |
| Equity capital to assets | 9.4579% | 4,128 |
| Core capital (leverage) ratio | 11.0430% | 2,397 |
| Tier 1 risk-based capital ratio | 24.0898% | 833 |
| Total risk-based capital ratio | 25.3097% | 810 |
| Memoranda: | ||
| Average total assets | $104,054,000 | 4,162 |
| Average earning assets | $99,532,000 | 4,105 |
| Average equity | $10,511,500 | 4,350 |
| Average total loans | $46,531,000 | 4,521 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1794% | 2,763 |
| Cost of funding earning assets | 0.1796% | 5,096 |
| Net interest margin | 3.9998% | 1,757 |
| Noninterest income to average assets | 0.5537% | 2,696 |
| Noninterest expense to average assets | 2.9307% | 2,346 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4599% | 882 |
| Return on assets (ROA) | 1.4997% | 822 |
| Pretax return on assets | 1.4997% | 1,645 |
| Return on Equity (ROE) | 13.7640% | 797 |
| Retained earnings to average equity (ytd only) | 2.0290% | 4,103 |
| Net charge-offs to loans | -0.5256% | 5,606 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7498% | 3,124 |
| Assets per employee ($millions) | 2.8720% | 5,279 |
| Cash dividends to net income (ytd only)* | 85.2590% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 2,288 |
| Loan loss allowance to noncurrent loans | 471.7742% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.2457% | 3,913 |
| Noncurrent loans to loans | 0.2725% | 3,809 |
| Net loans and leases to total assets | 43.4429% | 5,003 |
| Net loans and leases to deposits | 48.7544% | 5,101 |
| Net loans and leases to core deposits | 49.2803% | 5,157 |
| Total domestic deposits to total assets | 89.1054% | 957 |
| Equity capital to assets | 10.7543% | 2,890 |
| Core capital (leverage) ratio | 12.0146% | 1,597 |
| Tier 1 risk-based capital ratio | 26.0008% | 666 |
| Total risk-based capital ratio | 27.2488% | 654 |
| Memoranda: | ||
| Average total assets | $100,419,200 | 4,226 |
| Average earning assets | $96,330,200 | 4,155 |
| Average equity | $10,941,600 | 4,310 |
| Average total loans | $44,137,800 | 4,611 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2135% | 2,562 |
| Cost of funding earning assets | 0.1797% | 5,141 |
| Net interest margin | 4.0338% | 1,589 |
| Noninterest income to average assets | 0.5444% | 2,753 |
| Noninterest expense to average assets | 2.8893% | 2,450 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5276% | 844 |
| Return on assets (ROA) | 1.5771% | 774 |
| Pretax return on assets | 1.5771% | 1,495 |
| Return on Equity (ROE) | 14.4253% | 750 |
| Retained earnings to average equity (ytd only) | -0.2080% | 5,243 |
| Net charge-offs to loans | -0.7245% | 5,680 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4149% | 3,311 |
| Assets per employee ($millions) | 2.8122% | 5,381 |
| Cash dividends to net income (ytd only)* | 101.4421% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 2,326 |
| Loan loss allowance to noncurrent loans | 136.1751% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.5771% | 2,796 |
| Noncurrent loans to loans | 0.9598% | 2,007 |
| Net loans and leases to total assets | 45.3402% | 4,971 |
| Net loans and leases to deposits | 51.3781% | 5,078 |
| Net loans and leases to core deposits | 51.9638% | 5,139 |
| Total domestic deposits to total assets | 88.2481% | 1,231 |
| Equity capital to assets | 11.5598% | 2,310 |
| Core capital (leverage) ratio | 11.8917% | 1,759 |
| Tier 1 risk-based capital ratio | 25.9510% | 684 |
| Total risk-based capital ratio | 27.2000% | 671 |
| Memoranda: | ||
| Average total assets | $99,676,250 | 4,287 |
| Average earning assets | $95,689,000 | 4,212 |
| Average equity | $10,897,250 | 4,357 |
| Average total loans | $43,797,000 | 4,664 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1486% | 2,679 |
| Cost of funding earning assets | 0.1768% | 5,164 |
| Net interest margin | 3.9718% | 1,703 |
| Noninterest income to average assets | 0.5675% | 2,621 |
| Noninterest expense to average assets | 2.8873% | 2,465 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4946% | 874 |
| Return on assets (ROA) | 1.5446% | 816 |
| Pretax return on assets | 1.5446% | 1,508 |
| Return on Equity (ROE) | 14.3988% | 756 |
| Retained earnings to average equity (ytd only) | -5.2901% | 5,545 |
| Net charge-offs to loans | -1.0156% | 5,732 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8915% | 3,371 |
| Assets per employee ($millions) | 2.7914% | 5,422 |
| Cash dividends to net income (ytd only)* | 136.7400% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 2,489 |
| Loan loss allowance to noncurrent loans | 174.1641% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.4617% | 3,265 |
| Noncurrent loans to loans | 0.7378% | 2,549 |
| Net loans and leases to total assets | 43.8034% | 5,050 |
| Net loans and leases to deposits | 49.3946% | 5,163 |
| Net loans and leases to core deposits | 49.9427% | 5,227 |
| Total domestic deposits to total assets | 88.6805% | 1,110 |
| Equity capital to assets | 11.1792% | 2,626 |
| Core capital (leverage) ratio | 11.4616% | 1,998 |
| Tier 1 risk-based capital ratio | 25.3388% | 720 |
| Total risk-based capital ratio | 26.5888% | 702 |
| Memoranda: | ||
| Average total assets | $100,092,670 | 4,307 |
| Average earning assets | $96,128,000 | 4,230 |
| Average equity | $10,737,000 | 4,400 |
| Average total loans | $43,323,330 | 4,707 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0847% | 2,705 |
| Cost of funding earning assets | 0.1709% | 5,232 |
| Net interest margin | 3.9138% | 1,732 |
| Noninterest income to average assets | 0.7208% | 1,866 |
| Noninterest expense to average assets | 2.9952% | 2,174 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4856% | 838 |
| Return on assets (ROA) | 1.4936% | 846 |
| Pretax return on assets | 1.4936% | 1,552 |
| Return on Equity (ROE) | 14.2251% | 762 |
| Retained earnings to average equity (ytd only) | -16.2845% | 5,684 |
| Net charge-offs to loans | -0.0656% | 5,298 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8454% | 3,361 |
| Assets per employee ($millions) | 2.9520% | 5,391 |
| Cash dividends to net income (ytd only)* | 214.4772% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8407% | 4,954 |
| Loan loss allowance to noncurrent loans | 107.1429% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 0.4852% | 3,279 |
| Noncurrent loans to loans | 0.7846% | 2,497 |
| Net loans and leases to total assets | 42.3073% | 5,141 |
| Net loans and leases to deposits | 47.2846% | 5,252 |
| Net loans and leases to core deposits | 47.8052% | 5,310 |
| Total domestic deposits to total assets | 89.4737% | 907 |
| Equity capital to assets | 10.4396% | 3,250 |
| Core capital (leverage) ratio | 11.2397% | 2,157 |
| Tier 1 risk-based capital ratio | 25.5759% | 725 |
| Total risk-based capital ratio | 26.3841% | 741 |
| Memoranda: | ||
| Average total assets | $99,894,000 | 4,352 |
| Average earning assets | $95,968,500 | 4,272 |
| Average equity | $10,488,500 | 4,468 |
| Average total loans | $42,689,500 | 4,766 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9048% | 3,554 |
| Cost of funding earning assets | 0.1774% | 5,236 |
| Net interest margin | 3.7274% | 2,586 |
| Noninterest income to average assets | 0.4900% | 3,302 |
| Noninterest expense to average assets | 2.7759% | 3,101 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2886% | 1,237 |
| Return on assets (ROA) | 1.3997% | 1,036 |
| Pretax return on assets | 1.3997% | 1,940 |
| Return on Equity (ROE) | 11.8782% | 1,277 |
| Retained earnings to average equity (ytd only) | 1.6080% | 4,616 |
| Net charge-offs to loans | -0.0640% | 5,462 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2957% | 3,188 |
| Assets per employee ($millions) | 2.9241% | 5,408 |
| Cash dividends to net income (ytd only)* | 86.4629% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8295% | 5,023 |
| Loan loss allowance to noncurrent loans | 54.8989% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 0.7996% | 2,353 |
| Noncurrent loans to loans | 1.5110% | 1,322 |
| Net loans and leases to total assets | 42.4492% | 5,214 |
| Net loans and leases to deposits | 47.5200% | 5,316 |
| Net loans and leases to core deposits | 48.0491% | 5,363 |
| Total domestic deposits to total assets | 89.3291% | 934 |
| Equity capital to assets | 10.5602% | 3,088 |
| Core capital (leverage) ratio | 12.1849% | 1,480 |
| Tier 1 risk-based capital ratio | 26.7489% | 639 |
| Total risk-based capital ratio | 27.5478% | 652 |
| Memoranda: | ||
| Average total assets | $98,166,400 | 4,383 |
| Average earning assets | $94,141,600 | 4,305 |
| Average equity | $11,567,400 | 4,326 |
| Average total loans | $40,646,600 | 4,851 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8994% | 3,582 |
| Cost of funding earning assets | 0.1791% | 5,270 |
| Net interest margin | 3.7203% | 2,639 |
| Noninterest income to average assets | 0.4851% | 3,353 |
| Noninterest expense to average assets | 2.7878% | 3,050 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2631% | 1,403 |
| Return on assets (ROA) | 1.3939% | 1,137 |
| Pretax return on assets | 1.3939% | 2,056 |
| Return on Equity (ROE) | 11.5254% | 1,482 |
| Retained earnings to average equity (ytd only) | -0.7548% | 5,472 |
| Net charge-offs to loans | -0.7103% | 5,908 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8194% | 3,076 |
| Assets per employee ($millions) | 2.8512% | 5,506 |
| Cash dividends to net income (ytd only)* | 106.5493% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 2,695 |
| Loan loss allowance to noncurrent loans | 97.1275% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 0.7324% | 2,730 |
| Noncurrent loans to loans | 1.3374% | 1,649 |
| Net loans and leases to total assets | 42.4052% | 5,275 |
| Net loans and leases to deposits | 48.6433% | 5,360 |
| Net loans and leases to core deposits | 49.2111% | 5,414 |
| Total domestic deposits to total assets | 87.1757% | 1,814 |
| Equity capital to assets | 12.6252% | 1,691 |
| Core capital (leverage) ratio | 11.9775% | 1,694 |
| Tier 1 risk-based capital ratio | 27.2333% | 621 |
| Total risk-based capital ratio | 28.4836% | 613 |
| Memoranda: | ||
| Average total assets | $97,853,000 | 4,418 |
| Average earning assets | $93,790,250 | 4,345 |
| Average equity | $11,834,500 | 4,313 |
| Average total loans | $40,169,250 | 4,914 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8856% | 3,646 |
| Cost of funding earning assets | 0.1786% | 5,334 |
| Net interest margin | 3.7069% | 2,669 |
| Noninterest income to average assets | 0.4646% | 3,432 |
| Noninterest expense to average assets | 2.7487% | 3,206 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2674% | 1,367 |
| Return on assets (ROA) | 1.3570% | 1,219 |
| Pretax return on assets | 1.3570% | 2,182 |
| Return on Equity (ROE) | 11.3849% | 1,515 |
| Retained earnings to average equity (ytd only) | -2.9061% | 5,624 |
| Net charge-offs to loans | -0.8116% | 5,980 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4424% | 3,253 |
| Assets per employee ($millions) | 2.8690% | 5,553 |
| Cash dividends to net income (ytd only)* | 125.5255% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2198% | 3,250 |
| Loan loss allowance to noncurrent loans | 90.5380% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 0.7412% | 2,759 |
| Noncurrent loans to loans | 1.3473% | 1,669 |
| Net loans and leases to total assets | 40.5132% | 5,395 |
| Net loans and leases to deposits | 46.2974% | 5,489 |
| Net loans and leases to core deposits | 46.8318% | 5,537 |
| Total domestic deposits to total assets | 87.5064% | 1,664 |
| Equity capital to assets | 12.3521% | 1,867 |
| Core capital (leverage) ratio | 11.5169% | 1,981 |
| Tier 1 risk-based capital ratio | 26.9984% | 652 |
| Total risk-based capital ratio | 28.1478% | 639 |
| Memoranda: | ||
| Average total assets | $98,157,000 | 4,449 |
| Average earning assets | $94,040,670 | 4,383 |
| Average equity | $11,699,670 | 4,365 |
| Average total loans | $39,676,000 | 4,982 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8121% | 3,901 |
| Cost of funding earning assets | 0.1741% | 5,431 |
| Net interest margin | 3.6381% | 2,927 |
| Noninterest income to average assets | 0.4631% | 3,395 |
| Noninterest expense to average assets | 2.7218% | 3,344 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2228% | 1,483 |
| Return on assets (ROA) | 1.2837% | 1,381 |
| Pretax return on assets | 1.2837% | 2,370 |
| Return on Equity (ROE) | 10.9675% | 1,611 |
| Retained earnings to average equity (ytd only) | -6.1779% | 5,674 |
| Net charge-offs to loans | -0.1417% | 5,757 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0010% | 3,299 |
| Assets per employee ($millions) | 3.0327% | 5,477 |
| Cash dividends to net income (ytd only)* | 156.3291% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8657% | 5,169 |
| Loan loss allowance to noncurrent loans | 116.3823% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.4806% | 3,678 |
| Noncurrent loans to loans | 0.7439% | 2,977 |
| Net loans and leases to total assets | 39.0166% | 5,507 |
| Net loans and leases to deposits | 44.2208% | 5,580 |
| Net loans and leases to core deposits | 44.7141% | 5,632 |
| Total domestic deposits to total assets | 88.2312% | 1,513 |
| Equity capital to assets | 11.6879% | 2,256 |
| Core capital (leverage) ratio | 11.7020% | 1,827 |
| Tier 1 risk-based capital ratio | 26.4434% | 705 |
| Total risk-based capital ratio | 27.2305% | 718 |
| Memoranda: | ||
| Average total assets | $98,462,500 | 4,491 |
| Average earning assets | $94,225,500 | 4,414 |
| Average equity | $11,525,000 | 4,414 |
| Average total loans | $39,510,500 | 5,025 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9100% | 3,670 |
| Cost of funding earning assets | 0.1859% | 5,392 |
| Net interest margin | 3.7241% | 2,661 |
| Noninterest income to average assets | 0.4270% | 3,835 |
| Noninterest expense to average assets | 2.8082% | 3,191 |
| Loan and lease loss provision to assets | 0.0073% | 4,254 |
| Net operating income to assets | 1.1765% | 1,643 |
| Return on assets (ROA) | 1.2487% | 1,443 |
| Pretax return on assets | 1.2487% | 2,472 |
| Return on Equity (ROE) | 10.7872% | 1,690 |
| Retained earnings to average equity (ytd only) | 3.9785% | 3,200 |
| Net charge-offs to loans | 0.0798% | 2,677 |
| Credit loss provision to net charge-offs | 22.5806% | 3,726 |
| Earnings coverage of net charge-offs (x) | 36.4839% | 1,265 |
| Efficiency ratio | 70.3461% | 3,168 |
| Assets per employee ($millions) | 2.9348% | 5,579 |
| Cash dividends to net income (ytd only)* | 63.1182% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8251% | 5,340 |
| Loan loss allowance to noncurrent loans | 55.1433% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 0.7920% | 2,689 |
| Noncurrent loans to loans | 1.4962% | 1,549 |
| Net loans and leases to total assets | 40.5857% | 5,482 |
| Net loans and leases to deposits | 46.0322% | 5,562 |
| Net loans and leases to core deposits | 46.5634% | 5,622 |
| Total domestic deposits to total assets | 88.1679% | 1,549 |
| Equity capital to assets | 11.7226% | 2,177 |
| Core capital (leverage) ratio | 12.5438% | 1,326 |
| Tier 1 risk-based capital ratio | 26.9046% | 676 |
| Total risk-based capital ratio | 27.6609% | 691 |
| Memoranda: | ||
| Average total assets | $95,541,000 | 4,551 |
| Average earning assets | $91,457,200 | 4,474 |
| Average equity | $11,059,400 | 4,470 |
| Average total loans | $38,832,600 | 5,058 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9144% | 3,704 |
| Cost of funding earning assets | 0.1855% | 5,498 |
| Net interest margin | 3.7289% | 2,650 |
| Noninterest income to average assets | 0.4677% | 3,585 |
| Noninterest expense to average assets | 2.7488% | 3,388 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2939% | 1,359 |
| Return on assets (ROA) | 1.3289% | 1,322 |
| Pretax return on assets | 1.3289% | 2,288 |
| Return on Equity (ROE) | 11.5174% | 1,518 |
| Retained earnings to average equity (ytd only) | 3.2161% | 4,175 |
| Net charge-offs to loans | 0.2036% | 1,271 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 15.6620% | 2,165 |
| Efficiency ratio | 67.9945% | 3,540 |
| Assets per employee ($millions) | 2.8083% | 5,752 |
| Cash dividends to net income (ytd only)* | 72.0762% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7283% | 5,667 |
| Loan loss allowance to noncurrent loans | 138.3886% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 3,912 |
| Noncurrent loans to loans | 0.5263% | 3,765 |
| Net loans and leases to total assets | 42.9478% | 5,426 |
| Net loans and leases to deposits | 49.0414% | 5,511 |
| Net loans and leases to core deposits | 49.6352% | 5,589 |
| Total domestic deposits to total assets | 87.5746% | 1,762 |
| Equity capital to assets | 12.2301% | 1,926 |
| Core capital (leverage) ratio | 12.2246% | 1,551 |
| Tier 1 risk-based capital ratio | 26.6316% | 722 |
| Total risk-based capital ratio | 27.3103% | 743 |
| Memoranda: | ||
| Average total assets | $95,214,500 | 4,616 |
| Average earning assets | $91,285,500 | 4,530 |
| Average equity | $10,986,000 | 4,535 |
| Average total loans | $38,632,500 | 5,116 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8272% | 3,963 |
| Cost of funding earning assets | 0.1846% | 5,576 |
| Net interest margin | 3.6426% | 2,933 |
| Noninterest income to average assets | 0.4518% | 3,694 |
| Noninterest expense to average assets | 2.7316% | 3,484 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2117% | 1,563 |
| Return on assets (ROA) | 1.2409% | 1,554 |
| Pretax return on assets | 1.2409% | 2,595 |
| Return on Equity (ROE) | 10.9660% | 1,693 |
| Retained earnings to average equity (ytd only) | 0.4048% | 5,386 |
| Net charge-offs to loans | -0.3513% | 6,151 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2714% | 3,449 |
| Assets per employee ($millions) | 2.7385% | 5,878 |
| Cash dividends to net income (ytd only)* | 96.3087% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 4,318 |
| Loan loss allowance to noncurrent loans | 102.7027% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 0.6423% | 3,490 |
| Noncurrent loans to loans | 1.0715% | 2,503 |
| Net loans and leases to total assets | 40.3463% | 5,609 |
| Net loans and leases to deposits | 45.7793% | 5,690 |
| Net loans and leases to core deposits | 46.3269% | 5,750 |
| Total domestic deposits to total assets | 88.1322% | 1,581 |
| Equity capital to assets | 11.3297% | 2,545 |
| Core capital (leverage) ratio | 11.6056% | 1,917 |
| Tier 1 risk-based capital ratio | 27.4514% | 677 |
| Total risk-based capital ratio | 28.4746% | 675 |
| Memoranda: | ||
| Average total assets | $96,061,670 | 4,631 |
| Average earning assets | $92,077,330 | 4,556 |
| Average equity | $10,870,000 | 4,588 |
| Average total loans | $38,145,670 | 5,177 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7232% | 4,285 |
| Cost of funding earning assets | 0.1926% | 5,573 |
| Net interest margin | 3.5306% | 3,299 |
| Noninterest income to average assets | 0.4265% | 3,790 |
| Noninterest expense to average assets | 2.7353% | 3,467 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0745% | 1,952 |
| Return on assets (ROA) | 1.0786% | 2,058 |
| Pretax return on assets | 1.0786% | 3,171 |
| Return on Equity (ROE) | 9.5372% | 2,202 |
| Retained earnings to average equity (ytd only) | -7.6515% | 6,063 |
| Net charge-offs to loans | -0.6383% | 6,274 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7976% | 3,204 |
| Assets per employee ($millions) | 2.9518% | 5,730 |
| Cash dividends to net income (ytd only)* | 180.2281% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0718% | 4,654 |
| Loan loss allowance to noncurrent loans | 61.1276% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 0.8808% | 2,876 |
| Noncurrent loans to loans | 1.7533% | 1,555 |
| Net loans and leases to total assets | 39.0409% | 5,662 |
| Net loans and leases to deposits | 44.1812% | 5,752 |
| Net loans and leases to core deposits | 44.8238% | 5,804 |
| Total domestic deposits to total assets | 88.3654% | 1,619 |
| Equity capital to assets | 11.5411% | 2,432 |
| Core capital (leverage) ratio | 11.2144% | 2,220 |
| Tier 1 risk-based capital ratio | 26.3585% | 762 |
| Total risk-based capital ratio | 27.3474% | 761 |
| Memoranda: | ||
| Average total assets | $97,538,000 | 4,636 |
| Average earning assets | $93,469,000 | 4,561 |
| Average equity | $11,030,500 | 4,591 |
| Average total loans | $38,226,500 | 5,202 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9695% | 3,841 |
| Cost of funding earning assets | 0.2198% | 5,596 |
| Net interest margin | 3.7497% | 2,812 |
| Noninterest income to average assets | 0.5328% | 3,287 |
| Noninterest expense to average assets | 2.8738% | 3,226 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2392% | 1,470 |
| Return on assets (ROA) | 1.2520% | 1,488 |
| Pretax return on assets | 1.2520% | 2,435 |
| Return on Equity (ROE) | 12.0276% | 1,399 |
| Retained earnings to average equity (ytd only) | 4.2480% | 3,167 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8705% | 3,552 |
| Assets per employee ($millions) | 2.8726% | 5,860 |
| Cash dividends to net income (ytd only)* | 64.6809% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 5,395 |
| Loan loss allowance to noncurrent loans | 62.4555% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 0.7648% | 3,306 |
| Noncurrent loans to loans | 1.4785% | 1,984 |
| Net loans and leases to total assets | 38.5602% | 5,820 |
| Net loans and leases to deposits | 43.4278% | 5,899 |
| Net loans and leases to core deposits | 44.0547% | 5,955 |
| Total domestic deposits to total assets | 88.7916% | 1,360 |
| Equity capital to assets | 11.0773% | 2,828 |
| Core capital (leverage) ratio | 11.7984% | 1,764 |
| Tier 1 risk-based capital ratio | 26.7372% | 701 |
| Total risk-based capital ratio | 27.5757% | 719 |
| Memoranda: | ||
| Average total assets | $93,848,800 | 4,759 |
| Average earning assets | $89,608,000 | 4,664 |
| Average equity | $9,769,200 | 4,797 |
| Average total loans | $39,319,600 | 5,211 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0290% | 3,644 |
| Cost of funding earning assets | 0.2273% | 5,618 |
| Net interest margin | 3.8017% | 2,616 |
| Noninterest income to average assets | 0.5512% | 3,195 |
| Noninterest expense to average assets | 2.8634% | 3,248 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3133% | 1,332 |
| Return on assets (ROA) | 1.3305% | 1,347 |
| Pretax return on assets | 1.3305% | 2,271 |
| Return on Equity (ROE) | 13.0010% | 1,219 |
| Retained earnings to average equity (ytd only) | 3.3379% | 4,239 |
| Net charge-offs to loans | -0.2220% | 6,328 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5567% | 3,754 |
| Assets per employee ($millions) | 2.8121% | 5,949 |
| Cash dividends to net income (ytd only)* | 74.3254% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0470% | 5,007 |
| Loan loss allowance to noncurrent loans | 60.1732% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 0.8923% | 3,207 |
| Noncurrent loans to loans | 1.7399% | 1,861 |
| Net loans and leases to total assets | 42.4703% | 5,638 |
| Net loans and leases to deposits | 47.8789% | 5,769 |
| Net loans and leases to core deposits | 48.6064% | 5,856 |
| Total domestic deposits to total assets | 88.7035% | 1,400 |
| Equity capital to assets | 11.0669% | 2,884 |
| Core capital (leverage) ratio | 11.8585% | 1,785 |
| Tier 1 risk-based capital ratio | 26.6557% | 731 |
| Total risk-based capital ratio | 27.6647% | 737 |
| Memoranda: | ||
| Average total assets | $92,894,000 | 4,821 |
| Average earning assets | $88,589,250 | 4,737 |
| Average equity | $9,506,750 | 4,901 |
| Average total loans | $39,646,500 | 5,258 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0419% | 3,581 |
| Cost of funding earning assets | 0.2306% | 5,654 |
| Net interest margin | 3.8113% | 2,530 |
| Noninterest income to average assets | 0.5467% | 3,154 |
| Noninterest expense to average assets | 2.8195% | 3,429 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3559% | 1,171 |
| Return on assets (ROA) | 1.3064% | 1,340 |
| Pretax return on assets | 1.3064% | 2,231 |
| Return on Equity (ROE) | 13.1210% | 1,143 |
| Retained earnings to average equity (ytd only) | 0.5188% | 5,532 |
| Net charge-offs to loans | -0.3183% | 6,449 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5258% | 4,105 |
| Assets per employee ($millions) | 2.7926% | 6,038 |
| Cash dividends to net income (ytd only)* | 96.0461% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 5,119 |
| Loan loss allowance to noncurrent loans | 148.3871% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.6337% | 4,072 |
| Noncurrent loans to loans | 0.7069% | 3,940 |
| Net loans and leases to total assets | 42.3788% | 5,650 |
| Net loans and leases to deposits | 47.6100% | 5,791 |
| Net loans and leases to core deposits | 48.3348% | 5,886 |
| Total domestic deposits to total assets | 89.0122% | 1,341 |
| Equity capital to assets | 10.7740% | 3,121 |
| Core capital (leverage) ratio | 11.3887% | 2,092 |
| Tier 1 risk-based capital ratio | 26.7701% | 717 |
| Total risk-based capital ratio | 27.7961% | 716 |
| Memoranda: | ||
| Average total assets | $92,925,670 | 4,846 |
| Average earning assets | $88,474,330 | 4,769 |
| Average equity | $9,252,330 | 4,972 |
| Average total loans | $39,585,670 | 5,298 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9446% | 3,911 |
| Cost of funding earning assets | 0.2342% | 5,718 |
| Net interest margin | 3.7105% | 2,823 |
| Noninterest income to average assets | 0.5916% | 2,785 |
| Noninterest expense to average assets | 2.8078% | 3,531 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3160% | 1,173 |
| Return on assets (ROA) | 1.2303% | 1,450 |
| Pretax return on assets | 1.2303% | 2,349 |
| Return on Equity (ROE) | 12.8786% | 1,186 |
| Retained earnings to average equity (ytd only) | -8.7503% | 6,317 |
| Net charge-offs to loans | -0.2825% | 6,470 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0873% | 4,165 |
| Assets per employee ($millions) | 2.8445% | 6,049 |
| Cash dividends to net income (ytd only)* | 167.9443% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9555% | 5,680 |
| Loan loss allowance to noncurrent loans | 79.7895% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 0.8927% | 3,506 |
| Noncurrent loans to loans | 1.1975% | 3,043 |
| Net loans and leases to total assets | 41.8541% | 5,680 |
| Net loans and leases to deposits | 46.4282% | 5,823 |
| Net loans and leases to core deposits | 47.2621% | 5,916 |
| Total domestic deposits to total assets | 90.1480% | 996 |
| Equity capital to assets | 9.6901% | 4,239 |
| Core capital (leverage) ratio | 11.1052% | 2,297 |
| Tier 1 risk-based capital ratio | 26.0357% | 791 |
| Total risk-based capital ratio | 26.9681% | 791 |
| Memoranda: | ||
| Average total assets | $93,310,000 | 4,889 |
| Average earning assets | $88,829,500 | 4,804 |
| Average equity | $8,914,000 | 5,071 |
| Average total loans | $39,644,000 | 5,340 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0923% | 3,770 |
| Cost of funding earning assets | 0.2702% | 5,830 |
| Net interest margin | 3.8221% | 2,564 |
| Noninterest income to average assets | 0.5016% | 3,747 |
| Noninterest expense to average assets | 2.7907% | 3,758 |
| Loan and lease loss provision to assets | 0.0320% | 4,478 |
| Net operating income to assets | 1.3020% | 1,243 |
| Return on assets (ROA) | 1.4962% | 871 |
| Pretax return on assets | 1.4962% | 1,460 |
| Return on Equity (ROE) | 14.2575% | 895 |
| Retained earnings to average equity (ytd only) | 5.9593% | 2,002 |
| Net charge-offs to loans | 0.4193% | 1,596 |
| Credit loss provision to net charge-offs | 17.7515% | 4,485 |
| Earnings coverage of net charge-offs (x) | 7.3964% | 2,854 |
| Efficiency ratio | 67.6585% | 4,262 |
| Assets per employee ($millions) | 2.8106% | 6,093 |
| Cash dividends to net income (ytd only)* | 58.2026% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8859% | 5,967 |
| Loan loss allowance to noncurrent loans | 394.3820% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.7827% | 3,936 |
| Noncurrent loans to loans | 0.2246% | 5,518 |
| Net loans and leases to total assets | 42.3392% | 5,805 |
| Net loans and leases to deposits | 46.8470% | 5,958 |
| Net loans and leases to core deposits | 47.6965% | 6,050 |
| Total domestic deposits to total assets | 90.3775% | 888 |
| Equity capital to assets | 9.4145% | 4,533 |
| Core capital (leverage) ratio | 11.3663% | 2,061 |
| Tier 1 risk-based capital ratio | 26.5697% | 727 |
| Total risk-based capital ratio | 27.4350% | 736 |
| Memoranda: | ||
| Average total assets | $93,702,600 | 4,892 |
| Average earning assets | $88,826,000 | 4,807 |
| Average equity | $9,833,400 | 4,887 |
| Average total loans | $40,308,600 | 5,335 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1106% | 3,716 |
| Cost of funding earning assets | 0.2711% | 5,953 |
| Net interest margin | 3.8395% | 2,505 |
| Noninterest income to average assets | 0.5195% | 3,675 |
| Noninterest expense to average assets | 2.6427% | 4,235 |
| Loan and lease loss provision to assets | 0.0426% | 4,162 |
| Net operating income to assets | 1.4718% | 946 |
| Return on assets (ROA) | 1.6805% | 677 |
| Pretax return on assets | 1.6805% | 1,143 |
| Return on Equity (ROE) | 15.6165% | 694 |
| Retained earnings to average equity (ytd only) | 5.7771% | 2,552 |
| Net charge-offs to loans | 0.0560% | 4,109 |
| Credit loss provision to net charge-offs | 176.4706% | 1,365 |
| Earnings coverage of net charge-offs (x) | 62.7539% | 732 |
| Efficiency ratio | 63.5712% | 4,876 |
| Assets per employee ($millions) | 2.8456% | 6,085 |
| Cash dividends to net income (ytd only)* | 63.0065% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 4,804 |
| Loan loss allowance to noncurrent loans | 1,622.5806% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.7413% | 4,253 |
| Noncurrent loans to loans | 0.0749% | 6,112 |
| Net loans and leases to total assets | 44.8940% | 5,638 |
| Net loans and leases to deposits | 49.8294% | 5,844 |
| Net loans and leases to core deposits | 50.7511% | 5,968 |
| Total domestic deposits to total assets | 90.0954% | 939 |
| Equity capital to assets | 9.6805% | 4,322 |
| Core capital (leverage) ratio | 11.4521% | 2,083 |
| Tier 1 risk-based capital ratio | 25.7360% | 804 |
| Total risk-based capital ratio | 26.9538% | 799 |
| Memoranda: | ||
| Average total assets | $93,940,500 | 4,937 |
| Average earning assets | $89,003,500 | 4,849 |
| Average equity | $10,108,750 | 4,870 |
| Average total loans | $40,480,500 | 5,379 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0378% | 3,973 |
| Cost of funding earning assets | 0.2738% | 6,028 |
| Net interest margin | 3.7640% | 2,699 |
| Noninterest income to average assets | 0.3562% | 4,838 |
| Noninterest expense to average assets | 2.5563% | 4,541 |
| Loan and lease loss provision to assets | 0.0632% | 3,747 |
| Net operating income to assets | 1.3003% | 1,322 |
| Return on assets (ROA) | 1.4837% | 997 |
| Pretax return on assets | 1.4837% | 1,670 |
| Return on Equity (ROE) | 13.3586% | 1,155 |
| Retained earnings to average equity (ytd only) | 2.0873% | 4,943 |
| Net charge-offs to loans | -0.2638% | 6,729 |
| Credit loss provision to net charge-offs | -56.6038% | 5,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2151% | 4,677 |
| Assets per employee ($millions) | 2.7634% | 6,203 |
| Cash dividends to net income (ytd only)* | 84.3750% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 3,985 |
| Loan loss allowance to noncurrent loans | 540.5660% | 809 |
| Noncurrent assets plus other real estate owned to assets | 1.2154% | 3,320 |
| Noncurrent loans to loans | 0.2608% | 5,658 |
| Net loans and leases to total assets | 42.6461% | 5,856 |
| Net loans and leases to deposits | 47.5095% | 6,015 |
| Net loans and leases to core deposits | 48.6723% | 6,095 |
| Total domestic deposits to total assets | 89.7634% | 1,167 |
| Equity capital to assets | 10.0631% | 3,837 |
| Core capital (leverage) ratio | 10.9405% | 2,419 |
| Tier 1 risk-based capital ratio | 25.4981% | 820 |
| Total risk-based capital ratio | 26.7505% | 803 |
| Memoranda: | ||
| Average total assets | $94,901,000 | 4,937 |
| Average earning assets | $89,850,670 | 4,851 |
| Average equity | $10,540,000 | 4,821 |
| Average total loans | $40,179,670 | 5,418 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9934% | 4,145 |
| Cost of funding earning assets | 0.2789% | 6,113 |
| Net interest margin | 3.7145% | 2,795 |
| Noninterest income to average assets | 0.4572% | 4,071 |
| Noninterest expense to average assets | 2.4955% | 4,771 |
| Loan and lease loss provision to assets | 0.0839% | 3,253 |
| Net operating income to assets | 1.3966% | 1,030 |
| Return on assets (ROA) | 1.4889% | 957 |
| Pretax return on assets | 1.4889% | 1,589 |
| Return on Equity (ROE) | 12.8130% | 1,211 |
| Retained earnings to average equity (ytd only) | -4.1507% | 6,292 |
| Net charge-offs to loans | -0.4806% | 6,848 |
| Credit loss provision to net charge-offs | -41.6667% | 5,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7637% | 5,188 |
| Assets per employee ($millions) | 2.8945% | 6,157 |
| Cash dividends to net income (ytd only)* | 132.3944% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 4,227 |
| Loan loss allowance to noncurrent loans | 547.0588% | 793 |
| Noncurrent assets plus other real estate owned to assets | 1.1401% | 3,662 |
| Noncurrent loans to loans | 0.2560% | 5,771 |
| Net loans and leases to total assets | 41.1278% | 5,907 |
| Net loans and leases to deposits | 46.4976% | 6,024 |
| Net loans and leases to core deposits | 47.6320% | 6,114 |
| Total domestic deposits to total assets | 88.4513% | 2,037 |
| Equity capital to assets | 11.4022% | 2,517 |
| Core capital (leverage) ratio | 10.6735% | 2,569 |
| Tier 1 risk-based capital ratio | 25.5593% | 832 |
| Total risk-based capital ratio | 26.8123% | 817 |
| Memoranda: | ||
| Average total assets | $95,373,000 | 4,964 |
| Average earning assets | $90,349,000 | 4,882 |
| Average equity | $11,082,500 | 4,754 |
| Average total loans | $39,948,500 | 5,463 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3263% | 4,101 |
| Cost of funding earning assets | 0.3575% | 6,170 |
| Net interest margin | 3.9688% | 2,530 |
| Noninterest income to average assets | 0.1797% | 6,109 |
| Noninterest expense to average assets | 2.7813% | 4,100 |
| Loan and lease loss provision to assets | 0.1914% | 3,241 |
| Net operating income to assets | 0.9615% | 2,494 |
| Return on assets (ROA) | 1.1859% | 1,810 |
| Pretax return on assets | 1.1859% | 2,849 |
| Return on Equity (ROE) | 10.0389% | 2,153 |
| Retained earnings to average equity (ytd only) | 3.1512% | 4,015 |
| Net charge-offs to loans | 0.9796% | 1,113 |
| Credit loss provision to net charge-offs | 44.0098% | 4,841 |
| Earnings coverage of net charge-offs (x) | 2.6504% | 4,105 |
| Efficiency ratio | 70.6948% | 3,675 |
| Assets per employee ($millions) | 2.8857% | 6,184 |
| Cash dividends to net income (ytd only)* | 68.6099% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 5,004 |
| Loan loss allowance to noncurrent loans | 259.2593% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 1.3158% | 3,450 |
| Noncurrent loans to loans | 0.4719% | 5,347 |
| Net loans and leases to total assets | 41.5472% | 6,039 |
| Net loans and leases to deposits | 47.2260% | 6,162 |
| Net loans and leases to core deposits | 48.3881% | 6,248 |
| Total domestic deposits to total assets | 87.9753% | 2,254 |
| Equity capital to assets | 11.8388% | 2,151 |
| Core capital (leverage) ratio | 11.1040% | 2,163 |
| Tier 1 risk-based capital ratio | 26.0852% | 763 |
| Total risk-based capital ratio | 27.3342% | 753 |
| Memoranda: | ||
| Average total assets | $94,021,200 | 4,987 |
| Average earning assets | $88,943,600 | 4,899 |
| Average equity | $11,106,800 | 4,742 |
| Average total loans | $41,751,800 | 5,431 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3634% | 4,193 |
| Cost of funding earning assets | 0.3743% | 6,258 |
| Net interest margin | 3.9892% | 2,545 |
| Noninterest income to average assets | 0.3912% | 4,698 |
| Noninterest expense to average assets | 2.6561% | 4,533 |
| Loan and lease loss provision to assets | 0.0427% | 5,240 |
| Net operating income to assets | 1.4682% | 1,076 |
| Return on assets (ROA) | 1.6716% | 815 |
| Pretax return on assets | 1.6716% | 1,356 |
| Return on Equity (ROE) | 14.1584% | 1,074 |
| Retained earnings to average equity (ytd only) | 5.6392% | 2,931 |
| Net charge-offs to loans | -0.2561% | 7,030 |
| Credit loss provision to net charge-offs | -37.0370% | 6,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7419% | 4,846 |
| Assets per employee ($millions) | 2.8755% | 6,254 |
| Cash dividends to net income (ytd only)* | 60.1699% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9606% | 2,287 |
| Loan loss allowance to noncurrent loans | 53.6522% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 2.4376% | 2,171 |
| Noncurrent loans to loans | 3.6543% | 1,473 |
| Net loans and leases to total assets | 45.1057% | 5,859 |
| Net loans and leases to deposits | 51.7435% | 5,991 |
| Net loans and leases to core deposits | 53.0715% | 6,113 |
| Total domestic deposits to total assets | 87.1717% | 2,573 |
| Equity capital to assets | 12.4165% | 1,952 |
| Core capital (leverage) ratio | 11.2793% | 2,154 |
| Tier 1 risk-based capital ratio | 25.3298% | 884 |
| Total risk-based capital ratio | 26.5902% | 870 |
| Memoranda: | ||
| Average total assets | $93,719,250 | 5,043 |
| Average earning assets | $88,705,000 | 4,951 |
| Average equity | $11,065,000 | 4,791 |
| Average total loans | $42,176,000 | 5,482 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3870% | 4,234 |
| Cost of funding earning assets | 0.3947% | 6,296 |
| Net interest margin | 3.9922% | 2,536 |
| Noninterest income to average assets | 0.4454% | 4,333 |
| Noninterest expense to average assets | 2.6939% | 4,455 |
| Loan and lease loss provision to assets | 0.0636% | 4,851 |
| Net operating income to assets | 1.4636% | 1,059 |
| Return on assets (ROA) | 1.6269% | 881 |
| Pretax return on assets | 1.6269% | 1,470 |
| Return on Equity (ROE) | 14.0155% | 1,118 |
| Retained earnings to average equity (ytd only) | 3.6546% | 4,166 |
| Net charge-offs to loans | -0.6267% | 7,150 |
| Credit loss provision to net charge-offs | -22.7273% | 5,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8191% | 4,926 |
| Assets per employee ($millions) | 2.9120% | 6,217 |
| Cash dividends to net income (ytd only)* | 73.9244% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0747% | 2,048 |
| Loan loss allowance to noncurrent loans | 63.6101% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 2.4382% | 2,294 |
| Noncurrent loans to loans | 3.2617% | 1,785 |
| Net loans and leases to total assets | 44.6231% | 5,956 |
| Net loans and leases to deposits | 50.8058% | 6,126 |
| Net loans and leases to core deposits | 52.0797% | 6,233 |
| Total domestic deposits to total assets | 87.8307% | 2,262 |
| Equity capital to assets | 11.9451% | 2,189 |
| Core capital (leverage) ratio | 10.7628% | 2,525 |
| Tier 1 risk-based capital ratio | 24.7633% | 927 |
| Total risk-based capital ratio | 26.0258% | 912 |
| Memoranda: | ||
| Average total assets | $94,287,330 | 5,063 |
| Average earning assets | $89,173,000 | 4,959 |
| Average equity | $10,945,000 | 4,821 |
| Average total loans | $42,123,330 | 5,511 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3900% | 4,364 |
| Cost of funding earning assets | 0.4202% | 6,314 |
| Net interest margin | 3.9698% | 2,631 |
| Noninterest income to average assets | 0.4513% | 4,284 |
| Noninterest expense to average assets | 2.7373% | 4,292 |
| Loan and lease loss provision to assets | 0.1265% | 3,760 |
| Net operating income to assets | 1.3328% | 1,369 |
| Return on assets (ROA) | 1.4171% | 1,333 |
| Pretax return on assets | 1.4171% | 2,131 |
| Return on Equity (ROE) | 12.3848% | 1,558 |
| Retained earnings to average equity (ytd only) | 12.3848% | 770 |
| Net charge-offs to loans | -0.0667% | 6,655 |
| Credit loss provision to net charge-offs | -428.5714% | 5,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2261% | 4,693 |
| Assets per employee ($millions) | 3.0679% | 6,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8138% | 2,945 |
| Loan loss allowance to noncurrent loans | 59.6215% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 2.6266% | 2,251 |
| Noncurrent loans to loans | 3.0422% | 2,124 |
| Net loans and leases to total assets | 43.0318% | 6,100 |
| Net loans and leases to deposits | 48.7527% | 6,246 |
| Net loans and leases to core deposits | 50.0979% | 6,333 |
| Total domestic deposits to total assets | 88.2655% | 2,154 |
| Equity capital to assets | 11.5842% | 2,364 |
| Core capital (leverage) ratio | 10.7496% | 2,494 |
| Tier 1 risk-based capital ratio | 25.1713% | 888 |
| Total risk-based capital ratio | 26.4277% | 871 |
| Memoranda: | ||
| Average total assets | $94,838,500 | 5,074 |
| Average earning assets | $89,476,000 | 4,981 |
| Average equity | $10,852,000 | 4,851 |
| Average total loans | $41,953,500 | 5,551 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7637% | 3,966 |
| Cost of funding earning assets | 0.6165% | 6,001 |
| Net interest margin | 4.1472% | 2,242 |
| Noninterest income to average assets | 0.6244% | 3,044 |
| Noninterest expense to average assets | 2.7201% | 4,669 |
| Loan and lease loss provision to assets | 1.1995% | 734 |
| Net operating income to assets | 0.6370% | 3,797 |
| Return on assets (ROA) | 1.0410% | 2,185 |
| Pretax return on assets | 1.0410% | 3,075 |
| Return on Equity (ROE) | 9.8821% | 2,098 |
| Retained earnings to average equity (ytd only) | 9.8821% | 593 |
| Net charge-offs to loans | 2.8508% | 363 |
| Credit loss provision to net charge-offs | 89.3667% | 4,038 |
| Earnings coverage of net charge-offs (x) | 1.3683% | 4,744 |
| Efficiency ratio | 59.6960% | 5,805 |
| Assets per employee ($millions) | 3.0507% | 5,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7027% | 3,193 |
| Loan loss allowance to noncurrent loans | 60.5219% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 2.5398% | 2,393 |
| Noncurrent loans to loans | 2.8134% | 2,330 |
| Net loans and leases to total assets | 43.8888% | 6,218 |
| Net loans and leases to deposits | 49.6151% | 6,387 |
| Net loans and leases to core deposits | 50.9889% | 6,476 |
| Total domestic deposits to total assets | 88.4587% | 1,874 |
| Equity capital to assets | 11.3003% | 2,695 |
| Core capital (leverage) ratio | 10.4876% | 2,743 |
| Tier 1 risk-based capital ratio | 23.7684% | 986 |
| Total risk-based capital ratio | 25.0241% | 973 |
| Memoranda: | ||
| Average total assets | $95,289,000 | 5,034 |
| Average earning assets | $90,350,200 | 4,929 |
| Average equity | $10,038,400 | 5,003 |
| Average total loans | $44,864,800 | 5,475 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7683% | 4,149 |
| Cost of funding earning assets | 0.6648% | 5,964 |
| Net interest margin | 4.1035% | 2,459 |
| Noninterest income to average assets | 0.4902% | 3,946 |
| Noninterest expense to average assets | 2.6354% | 4,954 |
| Loan and lease loss provision to assets | 0.8282% | 1,123 |
| Net operating income to assets | 0.9231% | 2,658 |
| Return on assets (ROA) | 1.1913% | 1,794 |
| Pretax return on assets | 1.1913% | 2,663 |
| Return on Equity (ROE) | 11.5155% | 1,684 |
| Retained earnings to average equity (ytd only) | 11.5155% | 551 |
| Net charge-offs to loans | 2.2581% | 536 |
| Credit loss provision to net charge-offs | 76.9131% | 4,247 |
| Earnings coverage of net charge-offs (x) | 1.6265% | 4,424 |
| Efficiency ratio | 60.0764% | 5,708 |
| Assets per employee ($millions) | 3.1328% | 5,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5663% | 3,819 |
| Loan loss allowance to noncurrent loans | 32.0398% | 6,127 |
| Noncurrent assets plus other real estate owned to assets | 3.0726% | 2,084 |
| Noncurrent loans to loans | 4.8885% | 1,294 |
| Net loans and leases to total assets | 43.8096% | 6,349 |
| Net loans and leases to deposits | 49.4945% | 6,527 |
| Net loans and leases to core deposits | 51.0989% | 6,615 |
| Total domestic deposits to total assets | 88.5140% | 1,751 |
| Equity capital to assets | 11.2399% | 2,925 |
| Core capital (leverage) ratio | 10.0388% | 3,382 |
| Tier 1 risk-based capital ratio | 23.1029% | 1,137 |
| Total risk-based capital ratio | 24.3577% | 1,116 |
| Memoranda: | ||
| Average total assets | $95,468,000 | 5,061 |
| Average earning assets | $90,651,500 | 4,935 |
| Average equity | $9,876,250 | 5,069 |
| Average total loans | $45,524,500 | 5,491 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8633% | 3,790 |
| Cost of funding earning assets | 0.7192% | 5,838 |
| Net interest margin | 4.1441% | 2,249 |
| Noninterest income to average assets | 0.5331% | 3,613 |
| Noninterest expense to average assets | 2.6844% | 4,882 |
| Loan and lease loss provision to assets | 0.6490% | 1,479 |
| Net operating income to assets | 1.1336% | 1,780 |
| Return on assets (ROA) | 1.3506% | 1,263 |
| Pretax return on assets | 1.3506% | 1,960 |
| Return on Equity (ROE) | 13.4527% | 1,101 |
| Retained earnings to average equity (ytd only) | 13.4527% | 357 |
| Net charge-offs to loans | 1.2400% | 1,260 |
| Credit loss provision to net charge-offs | 107.3171% | 2,870 |
| Earnings coverage of net charge-offs (x) | 2.9477% | 3,375 |
| Efficiency ratio | 60.0943% | 5,855 |
| Assets per employee ($millions) | 3.1373% | 5,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9409% | 2,536 |
| Loan loss allowance to noncurrent loans | 69.5790% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 1.7130% | 3,624 |
| Noncurrent loans to loans | 2.7895% | 2,609 |
| Net loans and leases to total assets | 45.5067% | 6,310 |
| Net loans and leases to deposits | 51.0320% | 6,531 |
| Net loans and leases to core deposits | 52.2928% | 6,644 |
| Total domestic deposits to total assets | 89.1729% | 1,434 |
| Equity capital to assets | 10.5844% | 3,397 |
| Core capital (leverage) ratio | 9.9328% | 3,345 |
| Tier 1 risk-based capital ratio | 21.8435% | 1,281 |
| Total risk-based capital ratio | 23.1024% | 1,253 |
| Memoranda: | ||
| Average total assets | $94,918,000 | 5,113 |
| Average earning assets | $90,103,670 | 4,990 |
| Average equity | $9,529,670 | 5,177 |
| Average total loans | $46,291,330 | 5,510 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0302% | 2,957 |
| Cost of funding earning assets | 0.7753% | 5,710 |
| Net interest margin | 4.2549% | 1,726 |
| Noninterest income to average assets | 0.3072% | 5,472 |
| Noninterest expense to average assets | 2.6710% | 4,959 |
| Loan and lease loss provision to assets | 1.1861% | 594 |
| Net operating income to assets | 0.4779% | 4,585 |
| Return on assets (ROA) | 0.5931% | 4,138 |
| Pretax return on assets | 0.5931% | 4,711 |
| Return on Equity (ROE) | 6.0782% | 3,863 |
| Retained earnings to average equity (ytd only) | 6.0782% | 2,594 |
| Net charge-offs to loans | 2.1762% | 569 |
| Credit loss provision to net charge-offs | 109.0196% | 2,448 |
| Earnings coverage of net charge-offs (x) | 1.5294% | 3,566 |
| Efficiency ratio | 61.6142% | 5,739 |
| Assets per employee ($millions) | 2.9621% | 6,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9084% | 2,665 |
| Loan loss allowance to noncurrent loans | 48.2948% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 2.7525% | 2,511 |
| Noncurrent loans to loans | 3.9517% | 1,849 |
| Net loans and leases to total assets | 47.6104% | 6,124 |
| Net loans and leases to deposits | 52.9193% | 6,397 |
| Net loans and leases to core deposits | 54.2397% | 6,536 |
| Total domestic deposits to total assets | 89.9679% | 1,166 |
| Equity capital to assets | 9.7715% | 4,070 |
| Core capital (leverage) ratio | 9.6387% | 3,614 |
| Tier 1 risk-based capital ratio | 20.5060% | 1,477 |
| Total risk-based capital ratio | 21.7652% | 1,455 |
| Memoranda: | ||
| Average total assets | $93,749,000 | 5,176 |
| Average earning assets | $88,744,500 | 5,064 |
| Average equity | $9,147,500 | 5,274 |
| Average total loans | $46,870,000 | 5,529 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4236% | 2,566 |
| Cost of funding earning assets | 1.0400% | 5,482 |
| Net interest margin | 4.3836% | 1,540 |
| Noninterest income to average assets | 0.3687% | 5,157 |
| Noninterest expense to average assets | 2.6047% | 5,399 |
| Loan and lease loss provision to assets | 0.8650% | 1,880 |
| Net operating income to assets | 1.0601% | 1,837 |
| Return on assets (ROA) | 1.1277% | 1,693 |
| Pretax return on assets | 1.1277% | 2,473 |
| Return on Equity (ROE) | 11.9902% | 1,315 |
| Retained earnings to average equity (ytd only) | 7.9213% | 1,002 |
| Net charge-offs to loans | 1.5978% | 1,361 |
| Credit loss provision to net charge-offs | 99.7528% | 4,636 |
| Earnings coverage of net charge-offs (x) | 2.2200% | 4,058 |
| Efficiency ratio | 57.5012% | 6,395 |
| Assets per employee ($millions) | 2.9907% | 6,119 |
| Cash dividends to net income (ytd only)* | 33.9354% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7912% | 2,888 |
| Loan loss allowance to noncurrent loans | 56.8484% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 2.3341% | 2,934 |
| Noncurrent loans to loans | 3.1508% | 2,416 |
| Net loans and leases to total assets | 50.5641% | 6,107 |
| Net loans and leases to deposits | 56.2402% | 6,421 |
| Net loans and leases to core deposits | 57.8596% | 6,571 |
| Total domestic deposits to total assets | 89.9075% | 1,154 |
| Equity capital to assets | 9.7431% | 4,062 |
| Core capital (leverage) ratio | 9.6554% | 3,475 |
| Tier 1 risk-based capital ratio | 19.9392% | 1,498 |
| Total risk-based capital ratio | 21.1986% | 1,469 |
| Memoranda: | ||
| Average total assets | $93,291,200 | 5,185 |
| Average earning assets | $88,557,600 | 5,065 |
| Average equity | $8,773,800 | 5,483 |
| Average total loans | $50,631,200 | 5,463 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5622% | 2,204 |
| Cost of funding earning assets | 1.0947% | 5,448 |
| Net interest margin | 4.4675% | 1,330 |
| Noninterest income to average assets | 0.4267% | 4,745 |
| Noninterest expense to average assets | 2.5057% | 5,701 |
| Loan and lease loss provision to assets | 0.6949% | 2,206 |
| Net operating income to assets | 1.4712% | 977 |
| Return on assets (ROA) | 1.5611% | 882 |
| Pretax return on assets | 1.5611% | 1,441 |
| Return on Equity (ROE) | 16.7485% | 619 |
| Retained earnings to average equity (ytd only) | 11.2830% | 559 |
| Net charge-offs to loans | 1.2332% | 1,659 |
| Credit loss provision to net charge-offs | 102.5263% | 4,198 |
| Earnings coverage of net charge-offs (x) | 3.1958% | 3,545 |
| Efficiency ratio | 53.6347% | 6,820 |
| Assets per employee ($millions) | 2.9408% | 6,283 |
| Cash dividends to net income (ytd only)* | 32.6327% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7534% | 2,963 |
| Loan loss allowance to noncurrent loans | 46.9984% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 2.4494% | 2,919 |
| Noncurrent loans to loans | 3.7308% | 2,081 |
| Net loans and leases to total assets | 53.4114% | 5,931 |
| Net loans and leases to deposits | 60.0787% | 6,311 |
| Net loans and leases to core deposits | 61.8484% | 6,476 |
| Total domestic deposits to total assets | 88.9024% | 1,449 |
| Equity capital to assets | 10.7246% | 3,265 |
| Core capital (leverage) ratio | 9.6350% | 3,702 |
| Tier 1 risk-based capital ratio | 19.7398% | 1,595 |
| Total risk-based capital ratio | 20.9985% | 1,563 |
| Memoranda: | ||
| Average total assets | $93,436,000 | 5,237 |
| Average earning assets | $88,788,000 | 5,115 |
| Average equity | $8,709,000 | 5,573 |
| Average total loans | $51,355,500 | 5,512 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7189% | 1,695 |
| Cost of funding earning assets | 1.1317% | 5,509 |
| Net interest margin | 4.5872% | 1,028 |
| Noninterest income to average assets | 0.4247% | 4,715 |
| Noninterest expense to average assets | 2.4566% | 5,895 |
| Loan and lease loss provision to assets | 0.1274% | 5,609 |
| Net operating income to assets | 2.2040% | 229 |
| Return on assets (ROA) | 2.2167% | 246 |
| Pretax return on assets | 2.2167% | 394 |
| Return on Equity (ROE) | 24.9970% | 124 |
| Retained earnings to average equity (ytd only) | 16.4492% | 175 |
| Net charge-offs to loans | 0.2040% | 4,393 |
| Credit loss provision to net charge-offs | 113.2075% | 3,594 |
| Earnings coverage of net charge-offs (x) | 20.7170% | 1,202 |
| Efficiency ratio | 51.3082% | 7,127 |
| Assets per employee ($millions) | 3.0086% | 6,127 |
| Cash dividends to net income (ytd only)* | 34.1954% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6909% | 3,114 |
| Loan loss allowance to noncurrent loans | 52.8764% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 2.0747% | 3,413 |
| Noncurrent loans to loans | 3.1979% | 2,506 |
| Net loans and leases to total assets | 53.8583% | 6,007 |
| Net loans and leases to deposits | 60.3859% | 6,381 |
| Net loans and leases to core deposits | 62.6529% | 6,499 |
| Total domestic deposits to total assets | 89.1902% | 1,328 |
| Equity capital to assets | 10.3895% | 3,537 |
| Core capital (leverage) ratio | 9.2145% | 4,279 |
| Tier 1 risk-based capital ratio | 19.1468% | 1,683 |
| Total risk-based capital ratio | 20.4049% | 1,647 |
| Memoranda: | ||
| Average total assets | $94,193,330 | 5,246 |
| Average earning assets | $89,597,000 | 5,109 |
| Average equity | $8,353,000 | 5,685 |
| Average total loans | $51,953,670 | 5,518 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7287% | 1,669 |
| Cost of funding earning assets | 1.1679% | 5,566 |
| Net interest margin | 4.5608% | 1,024 |
| Noninterest income to average assets | 0.4479% | 4,489 |
| Noninterest expense to average assets | 2.5313% | 5,613 |
| Loan and lease loss provision to assets | 0.1268% | 5,309 |
| Net operating income to assets | 2.1298% | 282 |
| Return on assets (ROA) | 2.1298% | 308 |
| Pretax return on assets | 2.1298% | 474 |
| Return on Equity (ROE) | 26.2346% | 131 |
| Retained earnings to average equity (ytd only) | 17.5418% | 262 |
| Net charge-offs to loans | 0.1756% | 3,867 |
| Credit loss provision to net charge-offs | 130.4348% | 2,704 |
| Earnings coverage of net charge-offs (x) | 23.2174% | 1,061 |
| Efficiency ratio | 52.8685% | 7,066 |
| Assets per employee ($millions) | 3.2046% | 5,760 |
| Cash dividends to net income (ytd only)* | 33.1349% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6726% | 3,164 |
| Loan loss allowance to noncurrent loans | 37.0339% | 5,900 |
| Noncurrent assets plus other real estate owned to assets | 2.8210% | 2,573 |
| Noncurrent loans to loans | 4.5165% | 1,656 |
| Net loans and leases to total assets | 52.8319% | 6,176 |
| Net loans and leases to deposits | 58.4874% | 6,588 |
| Net loans and leases to core deposits | 60.0288% | 6,747 |
| Total domestic deposits to total assets | 90.3305% | 812 |
| Equity capital to assets | 9.2805% | 4,861 |
| Core capital (leverage) ratio | 8.9876% | 4,594 |
| Tier 1 risk-based capital ratio | 17.3105% | 2,145 |
| Total risk-based capital ratio | 18.5662% | 2,105 |
| Memoranda: | ||
| Average total assets | $94,656,500 | 5,293 |
| Average earning assets | $90,072,500 | 5,165 |
| Average equity | $7,684,500 | 5,948 |
| Average total loans | $52,382,500 | 5,562 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0836% | 1,564 |
| Cost of funding earning assets | 1.4302% | 5,804 |
| Net interest margin | 4.6534% | 898 |
| Noninterest income to average assets | 0.5893% | 3,716 |
| Noninterest expense to average assets | 2.7013% | 5,389 |
| Loan and lease loss provision to assets | 0.3801% | 4,507 |
| Net operating income to assets | 1.9345% | 266 |
| Return on assets (ROA) | 1.9926% | 244 |
| Pretax return on assets | 1.9926% | 409 |
| Return on Equity (ROE) | 28.9373% | 55 |
| Retained earnings to average equity (ytd only) | 3.7544% | 2,566 |
| Net charge-offs to loans | 0.1283% | 5,914 |
| Credit loss provision to net charge-offs | 510.2941% | 605 |
| Earnings coverage of net charge-offs (x) | 31.0735% | 741 |
| Efficiency ratio | 53.8546% | 7,246 |
| Assets per employee ($millions) | 2.9118% | 6,429 |
| Cash dividends to net income (ytd only)* | 87.0258% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6136% | 3,222 |
| Loan loss allowance to noncurrent loans | 42.1752% | 5,604 |
| Noncurrent assets plus other real estate owned to assets | 2.6133% | 2,688 |
| Noncurrent loans to loans | 3.8260% | 1,949 |
| Net loans and leases to total assets | 56.0799% | 5,938 |
| Net loans and leases to deposits | 60.5390% | 6,596 |
| Net loans and leases to core deposits | 72.8600% | 6,601 |
| Total domestic deposits to total assets | 92.6344% | 162 |
| Equity capital to assets | 6.9192% | 7,407 |
| Core capital (leverage) ratio | 6.7571% | 7,391 |
| Tier 1 risk-based capital ratio | 12.3995% | 4,596 |
| Total risk-based capital ratio | 13.6546% | 4,558 |
| Memoranda: | ||
| Average total assets | $91,287,800 | 5,357 |
| Average earning assets | $86,839,800 | 5,234 |
| Average equity | $6,286,000 | 6,503 |
| Average total loans | $53,000,200 | 5,546 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2582% | 1,216 |
| Cost of funding earning assets | 1.4820% | 5,901 |
| Net interest margin | 4.7762% | 718 |
| Noninterest income to average assets | 0.5887% | 3,787 |
| Noninterest expense to average assets | 2.6838% | 5,392 |
| Loan and lease loss provision to assets | 0.0264% | 7,091 |
| Net operating income to assets | 2.4254% | 117 |
| Return on assets (ROA) | 2.5032% | 113 |
| Pretax return on assets | 2.5032% | 192 |
| Return on Equity (ROE) | 36.3972% | 32 |
| Retained earnings to average equity (ytd only) | 5.5289% | 2,186 |
| Net charge-offs to loans | 0.0453% | 6,277 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 92.7754% | 382 |
| Efficiency ratio | 52.2584% | 7,390 |
| Assets per employee ($millions) | 2.8701% | 6,478 |
| Cash dividends to net income (ytd only)* | 84.8092% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 5,864 |
| Loan loss allowance to noncurrent loans | 40.5330% | 5,634 |
| Noncurrent assets plus other real estate owned to assets | 1.9294% | 3,457 |
| Noncurrent loans to loans | 2.6537% | 2,853 |
| Net loans and leases to total assets | 57.8798% | 5,908 |
| Net loans and leases to deposits | 62.8056% | 6,602 |
| Net loans and leases to core deposits | 76.2701% | 6,592 |
| Total domestic deposits to total assets | 92.1572% | 154 |
| Equity capital to assets | 7.2146% | 7,479 |
| Core capital (leverage) ratio | 6.8280% | 7,529 |
| Tier 1 risk-based capital ratio | 12.4677% | 4,570 |
| Total risk-based capital ratio | 13.6342% | 4,588 |
| Memoranda: | ||
| Average total assets | $90,815,750 | 5,399 |
| Average earning assets | $86,454,750 | 5,289 |
| Average equity | $6,245,750 | 6,575 |
| Average total loans | $52,972,750 | 5,596 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3441% | 1,105 |
| Cost of funding earning assets | 1.5046% | 6,119 |
| Net interest margin | 4.8395% | 609 |
| Noninterest income to average assets | 0.5239% | 4,238 |
| Noninterest expense to average assets | 2.7389% | 5,222 |
| Loan and lease loss provision to assets | 0.0265% | 6,977 |
| Net operating income to assets | 2.3587% | 141 |
| Return on assets (ROA) | 2.4184% | 135 |
| Pretax return on assets | 2.4184% | 242 |
| Return on Equity (ROE) | 35.7575% | 40 |
| Retained earnings to average equity (ytd only) | 6.4063% | 1,841 |
| Net charge-offs to loans | 0.0228% | 6,176 |
| Credit loss provision to net charge-offs | 200.0000% | 2,268 |
| Earnings coverage of net charge-offs (x) | 179.8333% | 228 |
| Efficiency ratio | 53.4513% | 7,388 |
| Assets per employee ($millions) | 2.8474% | 6,520 |
| Cash dividends to net income (ytd only)* | 82.0841% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0881% | 5,678 |
| Loan loss allowance to noncurrent loans | 24.1522% | 6,888 |
| Noncurrent assets plus other real estate owned to assets | 2.9511% | 2,161 |
| Noncurrent loans to loans | 4.5051% | 1,427 |
| Net loans and leases to total assets | 58.2640% | 5,928 |
| Net loans and leases to deposits | 62.8629% | 6,662 |
| Net loans and leases to core deposits | 75.8219% | 6,687 |
| Total domestic deposits to total assets | 92.6842% | 122 |
| Equity capital to assets | 6.7012% | 7,752 |
| Core capital (leverage) ratio | 6.7055% | 7,699 |
| Tier 1 risk-based capital ratio | 12.2032% | 4,749 |
| Total risk-based capital ratio | 13.3686% | 4,737 |
| Memoranda: | ||
| Average total assets | $90,473,670 | 5,444 |
| Average earning assets | $86,001,330 | 5,339 |
| Average equity | $6,119,000 | 6,678 |
| Average total loans | $52,718,330 | 5,648 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2260% | 1,513 |
| Cost of funding earning assets | 1.5378% | 6,282 |
| Net interest margin | 4.6882% | 782 |
| Noninterest income to average assets | 0.4969% | 4,345 |
| Noninterest expense to average assets | 2.7110% | 4,948 |
| Loan and lease loss provision to assets | 0.0266% | 6,590 |
| Net operating income to assets | 2.2096% | 226 |
| Return on assets (ROA) | 2.2096% | 262 |
| Pretax return on assets | 2.2096% | 434 |
| Return on Equity (ROE) | 32.5198% | 76 |
| Retained earnings to average equity (ytd only) | 4.8976% | 3,192 |
| Net charge-offs to loans | 0.0077% | 5,564 |
| Credit loss provision to net charge-offs | 600.0000% | 938 |
| Earnings coverage of net charge-offs (x) | 504.0000% | 59 |
| Efficiency ratio | 54.7982% | 7,133 |
| Assets per employee ($millions) | 2.8772% | 6,462 |
| Cash dividends to net income (ytd only)* | 84.9398% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 5,379 |
| Loan loss allowance to noncurrent loans | 61.7585% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 1.5521% | 3,607 |
| Noncurrent loans to loans | 1.8014% | 3,561 |
| Net loans and leases to total assets | 56.2839% | 6,196 |
| Net loans and leases to deposits | 60.6891% | 6,835 |
| Net loans and leases to core deposits | 71.2058% | 6,951 |
| Total domestic deposits to total assets | 92.7413% | 104 |
| Equity capital to assets | 6.7678% | 7,780 |
| Core capital (leverage) ratio | 6.6950% | 7,800 |
| Tier 1 risk-based capital ratio | 12.1612% | 4,818 |
| Total risk-based capital ratio | 13.3440% | 4,779 |
| Memoranda: | ||
| Average total assets | $90,151,500 | 5,477 |
| Average earning assets | $85,576,500 | 5,377 |
| Average equity | $6,125,500 | 6,719 |
| Average total loans | $52,241,000 | 5,707 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0289% | 1,052 |
| Cost of funding earning assets | 2.0079% | 6,390 |
| Net interest margin | 5.0210% | 484 |
| Noninterest income to average assets | 0.5792% | 4,012 |
| Noninterest expense to average assets | 2.8175% | 4,748 |
| Loan and lease loss provision to assets | 0.0250% | 7,088 |
| Net operating income to assets | 2.4952% | 126 |
| Return on assets (ROA) | 2.4987% | 128 |
| Pretax return on assets | 2.4987% | 197 |
| Return on Equity (ROE) | 36.7166% | 23 |
| Retained earnings to average equity (ytd only) | 3.5301% | 2,943 |
| Net charge-offs to loans | 0.0402% | 6,221 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 100.9048% | 432 |
| Efficiency ratio | 52.7852% | 7,405 |
| Assets per employee ($millions) | 2.7573% | 6,661 |
| Cash dividends to net income (ytd only)* | 90.3855% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 5,200 |
| Loan loss allowance to noncurrent loans | 33.0664% | 6,519 |
| Noncurrent assets plus other real estate owned to assets | 2.4050% | 2,020 |
| Noncurrent loans to loans | 3.3564% | 1,539 |
| Net loans and leases to total assets | 58.3687% | 6,148 |
| Net loans and leases to deposits | 63.0498% | 6,875 |
| Net loans and leases to core deposits | 74.5646% | 6,932 |
| Total domestic deposits to total assets | 92.5754% | 79 |
| Equity capital to assets | 6.8228% | 7,815 |
| Core capital (leverage) ratio | 7.0271% | 7,672 |
| Tier 1 risk-based capital ratio | 12.0041% | 4,821 |
| Total risk-based capital ratio | 13.1764% | 4,770 |
| Memoranda: | ||
| Average total assets | $84,082,600 | 5,559 |
| Average earning assets | $79,685,800 | 5,442 |
| Average equity | $5,722,200 | 6,908 |
| Average total loans | $52,232,600 | 5,611 |