Home > Bank of Monticello > Performance and Condition Ratios
Bank of Monticello, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3773% | 1,349 |
| Cost of funding earning assets | 1.3349% | 2,410 |
| Net interest margin | 4.0424% | 1,142 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.1397% | 3,295 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.9013% | 525 |
| Return on assets (ROA) | 1.9027% | 510 |
| Pretax return on assets | 1.9027% | 770 |
| Return on Equity (ROE) | 20.9400% | 538 |
| Retained earnings to average equity (ytd only) | 8.8501% | 1,293 |
| Net charge-offs to loans | 0.0196% | 1,959 |
| Credit loss provision to net charge-offs | 505.8824% | 662 |
| Earnings coverage of net charge-offs (x) | 155.8824% | 692 |
| Efficiency ratio | 52.1950% | 3,814 |
| Assets per employee ($millions) | 5.1623% | 3,511 |
| Cash dividends to net income (ytd only)* | 57.7340% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 2,798 |
| Loan loss allowance to noncurrent loans | 186.4971% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.3666% | 1,508 |
| Noncurrent loans to loans | 0.5931% | 1,328 |
| Net loans and leases to total assets | 61.1300% | 2,748 |
| Net loans and leases to deposits | 69.5786% | 2,916 |
| Net loans and leases to core deposits | 76.5653% | 2,937 |
| Total domestic deposits to total assets | 87.8600% | 1,399 |
| Equity capital to assets | 10.0078% | 2,003 |
| Core capital (leverage) ratio | 12.3740% | 1,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $135,910,000 | 3,495 |
| Average earning assets | $127,350,600 | 3,468 |
| Average equity | $12,350,200 | 3,495 |
| Average total loans | $86,913,800 | 3,333 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2664% | 1,329 |
| Cost of funding earning assets | 1.1919% | 2,457 |
| Net interest margin | 4.0745% | 1,108 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.0507% | 3,466 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.9786% | 514 |
| Return on assets (ROA) | 1.9806% | 504 |
| Pretax return on assets | 1.9806% | 769 |
| Return on Equity (ROE) | 22.3800% | 534 |
| Retained earnings to average equity (ytd only) | 5.7235% | 2,713 |
| Net charge-offs to loans | 0.0245% | 1,591 |
| Credit loss provision to net charge-offs | 331.2500% | 828 |
| Earnings coverage of net charge-offs (x) | 128.0625% | 811 |
| Efficiency ratio | 50.2181% | 3,896 |
| Assets per employee ($millions) | 4.6448% | 3,858 |
| Cash dividends to net income (ytd only)* | 74.4267% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0491% | 3,118 |
| Loan loss allowance to noncurrent loans | 173.7736% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.4075% | 1,418 |
| Noncurrent loans to loans | 0.6037% | 1,335 |
| Net loans and leases to total assets | 66.8000% | 2,176 |
| Net loans and leases to deposits | 76.1412% | 2,399 |
| Net loans and leases to core deposits | 84.3826% | 2,304 |
| Total domestic deposits to total assets | 87.7300% | 1,657 |
| Equity capital to assets | 9.0148% | 2,406 |
| Core capital (leverage) ratio | 12.2190% | 1,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $135,042,250 | 3,506 |
| Average earning assets | $126,408,500 | 3,490 |
| Average equity | $11,950,500 | 3,525 |
| Average total loans | $87,102,000 | 3,334 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0953% | 1,380 |
| Cost of funding earning assets | 1.0846% | 2,339 |
| Net interest margin | 4.0107% | 1,221 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.0277% | 3,526 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.9516% | 499 |
| Return on assets (ROA) | 1.9546% | 496 |
| Pretax return on assets | 1.9546% | 798 |
| Return on Equity (ROE) | 22.2200% | 531 |
| Retained earnings to average equity (ytd only) | -0.9479% | 4,212 |
| Net charge-offs to loans | 0.0046% | 2,114 |
| Credit loss provision to net charge-offs | 500.0000% | 646 |
| Earnings coverage of net charge-offs (x) | 672.0000% | 217 |
| Efficiency ratio | 50.6227% | 3,873 |
| Assets per employee ($millions) | 4.6270% | 3,875 |
| Cash dividends to net income (ytd only)* | 104.2665% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0248% | 3,317 |
| Loan loss allowance to noncurrent loans | 1,037.2093% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 3,128 |
| Noncurrent loans to loans | 0.0988% | 2,997 |
| Net loans and leases to total assets | 64.2100% | 2,358 |
| Net loans and leases to deposits | 71.8924% | 2,656 |
| Net loans and leases to core deposits | 78.5501% | 2,575 |
| Total domestic deposits to total assets | 89.3100% | 1,134 |
| Equity capital to assets | 9.0496% | 2,487 |
| Core capital (leverage) ratio | 11.6512% | 1,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $136,705,333 | 3,502 |
| Average earning assets | $127,607,667 | 3,489 |
| Average equity | $12,026,000 | 3,532 |
| Average total loans | $86,872,000 | 3,337 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9550% | 1,318 |
| Cost of funding earning assets | 0.9685% | 2,158 |
| Net interest margin | 3.9865% | 1,287 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 1.9483% | 3,751 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9657% | 516 |
| Return on assets (ROA) | 1.9657% | 508 |
| Pretax return on assets | 1.9657% | 828 |
| Return on Equity (ROE) | 22.6600% | 535 |
| Retained earnings to average equity (ytd only) | -17.2467% | 4,572 |
| Net charge-offs to loans | 0.0184% | 1,314 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 169.5000% | 567 |
| Efficiency ratio | 49.6296% | 3,969 |
| Assets per employee ($millions) | 4.6251% | 3,943 |
| Cash dividends to net income (ytd only)* | 176.1062% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 3,398 |
| Loan loss allowance to noncurrent loans | 793.6937% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 2,974 |
| Noncurrent loans to loans | 0.1295% | 2,865 |
| Net loans and leases to total assets | 63.2400% | 2,332 |
| Net loans and leases to deposits | 70.7341% | 2,555 |
| Net loans and leases to core deposits | 76.1437% | 2,520 |
| Total domestic deposits to total assets | 89.4000% | 1,382 |
| Equity capital to assets | 8.9951% | 2,524 |
| Core capital (leverage) ratio | 10.9845% | 1,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $137,966,500 | 3,533 |
| Average earning assets | $128,031,000 | 3,530 |
| Average equity | $11,967,500 | 3,574 |
| Average total loans | $86,785,500 | 3,372 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0150% | 1,676 |
| Cost of funding earning assets | 0.4936% | 1,436 |
| Net interest margin | 3.5214% | 1,864 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 1.9891% | 3,608 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6218% | 652 |
| Return on assets (ROA) | 1.6218% | 622 |
| Pretax return on assets | 1.6218% | 1,108 |
| Return on Equity (ROE) | 18.0000% | 701 |
| Retained earnings to average equity (ytd only) | 5.8664% | 2,693 |
| Net charge-offs to loans | 0.0671% | 977 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 40.0536% | 1,506 |
| Efficiency ratio | 54.9459% | 3,689 |
| Assets per employee ($millions) | 4.8898% | 3,756 |
| Cash dividends to net income (ytd only)* | 67.4097% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0345% | 3,178 |
| Loan loss allowance to noncurrent loans | 811.6071% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.0790% | 3,008 |
| Noncurrent loans to loans | 0.1275% | 2,876 |
| Net loans and leases to total assets | 61.3300% | 2,515 |
| Net loans and leases to deposits | 68.1192% | 2,721 |
| Net loans and leases to core deposits | 72.4402% | 2,690 |
| Total domestic deposits to total assets | 90.0300% | 1,352 |
| Equity capital to assets | 8.3707% | 2,794 |
| Core capital (leverage) ratio | 11.5436% | 1,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $138,305,000 | 3,549 |
| Average earning assets | $130,685,400 | 3,524 |
| Average equity | $12,460,800 | 3,623 |
| Average total loans | $83,494,800 | 3,363 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8575% | 1,594 |
| Cost of funding earning assets | 0.4273% | 1,116 |
| Net interest margin | 3.4303% | 1,864 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 1.8928% | 3,767 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6570% | 585 |
| Return on assets (ROA) | 1.6570% | 569 |
| Pretax return on assets | 1.6570% | 985 |
| Return on Equity (ROE) | 18.0600% | 635 |
| Retained earnings to average equity (ytd only) | 2.0726% | 4,014 |
| Net charge-offs to loans | 0.0647% | 841 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 42.7000% | 1,362 |
| Efficiency ratio | 53.1839% | 3,895 |
| Assets per employee ($millions) | 4.7558% | 3,872 |
| Cash dividends to net income (ytd only)* | 88.5246% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0468% | 3,269 |
| Loan loss allowance to noncurrent loans | 629.2517% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.1104% | 2,859 |
| Noncurrent loans to loans | 0.1664% | 2,763 |
| Net loans and leases to total assets | 65.6700% | 1,921 |
| Net loans and leases to deposits | 72.7362% | 2,155 |
| Net loans and leases to core deposits | 78.1542% | 2,030 |
| Total domestic deposits to total assets | 90.2800% | 1,537 |
| Equity capital to assets | 8.1607% | 2,786 |
| Core capital (leverage) ratio | 11.2923% | 1,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $137,430,250 | 3,582 |
| Average earning assets | $130,753,500 | 3,540 |
| Average equity | $12,608,500 | 3,648 |
| Average total loans | $82,400,500 | 3,389 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6634% | 1,643 |
| Cost of funding earning assets | 0.4069% | 879 |
| Net interest margin | 3.2565% | 2,038 |
| Noninterest income to average assets | 0.2694% | 3,558 |
| Noninterest expense to average assets | 1.8898% | 3,732 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4807% | 746 |
| Return on assets (ROA) | 1.4807% | 726 |
| Pretax return on assets | 1.4807% | 1,225 |
| Return on Equity (ROE) | 15.5887% | 776 |
| Retained earnings to average equity (ytd only) | -5.8230% | 4,564 |
| Net charge-offs to loans | 0.1194% | 516 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 21.4167% | 1,524 |
| Efficiency ratio | 55.8974% | 3,785 |
| Assets per employee ($millions) | 4.7295% | 3,906 |
| Cash dividends to net income (ytd only)* | 137.3541% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 3,194 |
| Loan loss allowance to noncurrent loans | 148.1422% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.4674% | 1,212 |
| Noncurrent loans to loans | 0.7378% | 1,166 |
| Net loans and leases to total assets | 62.6657% | 2,049 |
| Net loans and leases to deposits | 69.8033% | 2,226 |
| Net loans and leases to core deposits | 73.8682% | 2,185 |
| Total domestic deposits to total assets | 89.7746% | 1,809 |
| Equity capital to assets | 8.6253% | 2,676 |
| Core capital (leverage) ratio | 10.5582% | 1,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,852,667 | 3,608 |
| Average earning assets | $132,227,667 | 3,570 |
| Average equity | $13,189,000 | 3,668 |
| Average total loans | $80,411,667 | 3,451 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4561% | 1,932 |
| Cost of funding earning assets | 0.4257% | 754 |
| Net interest margin | 3.0304% | 2,407 |
| Noninterest income to average assets | 0.2450% | 3,674 |
| Noninterest expense to average assets | 1.8358% | 3,852 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2952% | 1,015 |
| Return on assets (ROA) | 1.2952% | 1,007 |
| Pretax return on assets | 1.2952% | 1,522 |
| Return on Equity (ROE) | 13.0751% | 1,012 |
| Retained earnings to average equity (ytd only) | -21.3750% | 4,711 |
| Net charge-offs to loans | 0.1068% | 499 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 21.9048% | 1,247 |
| Efficiency ratio | 58.4532% | 3,638 |
| Assets per employee ($millions) | 5.0267% | 3,731 |
| Cash dividends to net income (ytd only)* | 263.4783% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 3,057 |
| Loan loss allowance to noncurrent loans | 141.3174% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.4746% | 1,283 |
| Noncurrent loans to loans | 0.8207% | 1,154 |
| Net loans and leases to total assets | 57.1561% | 2,395 |
| Net loans and leases to deposits | 64.8246% | 2,453 |
| Net loans and leases to core deposits | 68.4326% | 2,421 |
| Total domestic deposits to total assets | 88.1703% | 2,449 |
| Equity capital to assets | 9.0403% | 2,677 |
| Core capital (leverage) ratio | 10.1624% | 2,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,066,500 | 3,597 |
| Average earning assets | $135,296,000 | 3,562 |
| Average equity | $14,072,500 | 3,650 |
| Average total loans | $78,666,500 | 3,478 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9323% | 1,537 |
| Cost of funding earning assets | 0.4914% | 968 |
| Net interest margin | 3.4410% | 1,903 |
| Noninterest income to average assets | 0.2646% | 3,798 |
| Noninterest expense to average assets | 1.9412% | 3,832 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5988% | 809 |
| Return on assets (ROA) | 1.5996% | 839 |
| Pretax return on assets | 1.5996% | 1,419 |
| Return on Equity (ROE) | 14.6145% | 1,044 |
| Retained earnings to average equity (ytd only) | 4.7085% | 2,918 |
| Net charge-offs to loans | 0.0400% | 1,457 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 70.3548% | 1,072 |
| Efficiency ratio | 54.6904% | 3,854 |
| Assets per employee ($millions) | 5.1209% | 3,629 |
| Cash dividends to net income (ytd only)* | 67.7819% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 2,493 |
| Loan loss allowance to noncurrent loans | 473.0392% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 2,942 |
| Noncurrent loans to loans | 0.2686% | 2,641 |
| Net loans and leases to total assets | 52.2914% | 3,028 |
| Net loans and leases to deposits | 60.9979% | 2,991 |
| Net loans and leases to core deposits | 64.4384% | 2,941 |
| Total domestic deposits to total assets | 85.7265% | 3,009 |
| Equity capital to assets | 10.7550% | 1,973 |
| Core capital (leverage) ratio | 10.9797% | 1,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,411,400 | 3,617 |
| Average earning assets | $129,846,200 | 3,578 |
| Average equity | $14,930,400 | 3,645 |
| Average total loans | $77,520,600 | 3,515 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0941% | 1,316 |
| Cost of funding earning assets | 0.5093% | 1,004 |
| Net interest margin | 3.5848% | 1,634 |
| Noninterest income to average assets | 0.2643% | 3,821 |
| Noninterest expense to average assets | 1.8435% | 4,071 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.8356% | 620 |
| Return on assets (ROA) | 1.8366% | 651 |
| Pretax return on assets | 1.8366% | 1,076 |
| Return on Equity (ROE) | 16.7025% | 817 |
| Retained earnings to average equity (ytd only) | 3.4125% | 3,763 |
| Net charge-offs to loans | 0.0445% | 1,223 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 71.3077% | 1,057 |
| Efficiency ratio | 49.9731% | 4,224 |
| Assets per employee ($millions) | 4.9706% | 3,729 |
| Cash dividends to net income (ytd only)* | 79.5687% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 2,761 |
| Loan loss allowance to noncurrent loans | 361.9403% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 2,795 |
| Noncurrent loans to loans | 0.3442% | 2,549 |
| Net loans and leases to total assets | 57.2922% | 2,582 |
| Net loans and leases to deposits | 67.4548% | 2,489 |
| Net loans and leases to core deposits | 71.5719% | 2,460 |
| Total domestic deposits to total assets | 84.9342% | 3,137 |
| Equity capital to assets | 11.3707% | 1,762 |
| Core capital (leverage) ratio | 10.8285% | 1,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,668,000 | 3,674 |
| Average earning assets | $128,279,500 | 3,630 |
| Average equity | $14,807,750 | 3,702 |
| Average total loans | $77,915,000 | 3,560 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3276% | 961 |
| Cost of funding earning assets | 0.5194% | 1,097 |
| Net interest margin | 3.8082% | 1,126 |
| Noninterest income to average assets | 0.2522% | 3,888 |
| Noninterest expense to average assets | 1.8276% | 4,125 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.0575% | 443 |
| Return on assets (ROA) | 2.0590% | 461 |
| Pretax return on assets | 2.0590% | 743 |
| Return on Equity (ROE) | 18.9398% | 549 |
| Retained earnings to average equity (ytd only) | 0.1637% | 4,485 |
| Net charge-offs to loans | 0.0667% | 954 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 53.3462% | 1,029 |
| Efficiency ratio | 46.8881% | 4,471 |
| Assets per employee ($millions) | 5.0244% | 3,642 |
| Cash dividends to net income (ytd only)* | 99.1354% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 2,697 |
| Loan loss allowance to noncurrent loans | 337.9791% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 2,928 |
| Noncurrent loans to loans | 0.3687% | 2,580 |
| Net loans and leases to total assets | 54.6420% | 3,055 |
| Net loans and leases to deposits | 63.6158% | 3,041 |
| Net loans and leases to core deposits | 67.1553% | 3,022 |
| Total domestic deposits to total assets | 85.8938% | 2,775 |
| Equity capital to assets | 10.5464% | 2,356 |
| Core capital (leverage) ratio | 10.6881% | 1,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,822,333 | 3,689 |
| Average earning assets | $128,616,333 | 3,642 |
| Average equity | $14,657,000 | 3,724 |
| Average total loans | $77,933,667 | 3,584 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7550% | 524 |
| Cost of funding earning assets | 0.5643% | 1,031 |
| Net interest margin | 4.1908% | 609 |
| Noninterest income to average assets | 0.2184% | 4,085 |
| Noninterest expense to average assets | 1.8500% | 4,109 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.3777% | 326 |
| Return on assets (ROA) | 2.3777% | 352 |
| Pretax return on assets | 2.3777% | 537 |
| Return on Equity (ROE) | 21.5281% | 428 |
| Retained earnings to average equity (ytd only) | -10.7641% | 4,826 |
| Net charge-offs to loans | 0.0616% | 912 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 65.3333% | 784 |
| Efficiency ratio | 43.6155% | 4,602 |
| Assets per employee ($millions) | 4.7553% | 3,878 |
| Cash dividends to net income (ytd only)* | 150.0000% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 2,782 |
| Loan loss allowance to noncurrent loans | 247.8589% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.2982% | 2,657 |
| Noncurrent loans to loans | 0.4950% | 2,369 |
| Net loans and leases to total assets | 59.5019% | 2,600 |
| Net loans and leases to deposits | 69.5603% | 2,556 |
| Net loans and leases to core deposits | 73.4388% | 2,563 |
| Total domestic deposits to total assets | 85.5400% | 2,916 |
| Equity capital to assets | 10.6792% | 2,105 |
| Core capital (leverage) ratio | 10.7852% | 1,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,892,000 | 3,715 |
| Average earning assets | $126,182,500 | 3,671 |
| Average equity | $14,567,000 | 3,737 |
| Average total loans | $77,979,500 | 3,609 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5249% | 1,249 |
| Cost of funding earning assets | 0.7667% | 1,363 |
| Net interest margin | 3.7583% | 1,620 |
| Noninterest income to average assets | 0.2792% | 3,809 |
| Noninterest expense to average assets | 2.1210% | 3,889 |
| Loan and lease loss provision to assets | 0.0560% | 3,667 |
| Net operating income to assets | 1.6515% | 573 |
| Return on assets (ROA) | 1.6688% | 585 |
| Pretax return on assets | 1.6688% | 909 |
| Return on Equity (ROE) | 14.6045% | 703 |
| Retained earnings to average equity (ytd only) | 11.2381% | 411 |
| Net charge-offs to loans | 0.1143% | 1,336 |
| Credit loss provision to net charge-offs | 75.5556% | 3,010 |
| Earnings coverage of net charge-offs (x) | 23.0333% | 1,821 |
| Efficiency ratio | 55.2281% | 4,074 |
| Assets per employee ($millions) | 4.6656% | 3,746 |
| Cash dividends to net income (ytd only)* | 23.0503% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 2,340 |
| Loan loss allowance to noncurrent loans | 236.5796% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.3223% | 2,708 |
| Noncurrent loans to loans | 0.5558% | 2,316 |
| Net loans and leases to total assets | 57.2227% | 3,175 |
| Net loans and leases to deposits | 68.0120% | 3,075 |
| Net loans and leases to core deposits | 71.9259% | 3,079 |
| Total domestic deposits to total assets | 84.1362% | 3,072 |
| Equity capital to assets | 11.4171% | 1,944 |
| Core capital (leverage) ratio | 11.6483% | 1,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,406,200 | 3,731 |
| Average earning assets | $114,653,800 | 3,698 |
| Average equity | $13,872,400 | 3,775 |
| Average total loans | $78,721,600 | 3,575 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6795% | 1,109 |
| Cost of funding earning assets | 0.8215% | 1,391 |
| Net interest margin | 3.8580% | 1,456 |
| Noninterest income to average assets | 0.2911% | 3,743 |
| Noninterest expense to average assets | 2.0845% | 3,979 |
| Loan and lease loss provision to assets | 0.0764% | 3,363 |
| Net operating income to assets | 1.7632% | 498 |
| Return on assets (ROA) | 1.7666% | 551 |
| Pretax return on assets | 1.7666% | 835 |
| Return on Equity (ROE) | 15.4568% | 617 |
| Retained earnings to average equity (ytd only) | 10.8825% | 597 |
| Net charge-offs to loans | 0.1376% | 1,056 |
| Credit loss provision to net charge-offs | 82.9268% | 2,738 |
| Earnings coverage of net charge-offs (x) | 20.0366% | 1,919 |
| Efficiency ratio | 52.9529% | 4,256 |
| Assets per employee ($millions) | 4.2968% | 4,049 |
| Cash dividends to net income (ytd only)* | 29.5944% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 2,628 |
| Loan loss allowance to noncurrent loans | 113.9614% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.7323% | 1,593 |
| Noncurrent loans to loans | 1.0587% | 1,411 |
| Net loans and leases to total assets | 68.3296% | 2,188 |
| Net loans and leases to deposits | 83.5541% | 1,953 |
| Net loans and leases to core deposits | 88.7162% | 2,083 |
| Total domestic deposits to total assets | 81.7789% | 3,477 |
| Equity capital to assets | 11.9831% | 1,686 |
| Core capital (leverage) ratio | 11.7001% | 1,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,098,500 | 3,750 |
| Average earning assets | $112,144,750 | 3,723 |
| Average equity | $13,611,750 | 3,809 |
| Average total loans | $79,464,500 | 3,582 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8034% | 1,164 |
| Cost of funding earning assets | 0.8641% | 1,524 |
| Net interest margin | 3.9393% | 1,471 |
| Noninterest income to average assets | 0.2848% | 3,755 |
| Noninterest expense to average assets | 2.0692% | 4,103 |
| Loan and lease loss provision to assets | 0.0674% | 3,449 |
| Net operating income to assets | 1.8586% | 447 |
| Return on assets (ROA) | 1.8602% | 485 |
| Pretax return on assets | 1.8602% | 726 |
| Return on Equity (ROE) | 16.5476% | 485 |
| Retained earnings to average equity (ytd only) | 11.0467% | 595 |
| Net charge-offs to loans | 0.0818% | 1,432 |
| Credit loss provision to net charge-offs | 125.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 35.7188% | 1,320 |
| Efficiency ratio | 51.6238% | 4,388 |
| Assets per employee ($millions) | 4.2940% | 4,006 |
| Cash dividends to net income (ytd only)* | 33.2428% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 2,050 |
| Loan loss allowance to noncurrent loans | 104.4807% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.8168% | 1,522 |
| Noncurrent loans to loans | 1.2353% | 1,262 |
| Net loans and leases to total assets | 65.2644% | 2,728 |
| Net loans and leases to deposits | 79.4999% | 2,488 |
| Net loans and leases to core deposits | 84.2230% | 2,590 |
| Total domestic deposits to total assets | 82.0936% | 3,348 |
| Equity capital to assets | 11.6559% | 1,865 |
| Core capital (leverage) ratio | 11.5756% | 1,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,694,333 | 3,740 |
| Average earning assets | $111,796,667 | 3,713 |
| Average equity | $13,343,333 | 3,838 |
| Average total loans | $78,215,333 | 3,613 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7679% | 1,510 |
| Cost of funding earning assets | 0.9304% | 1,737 |
| Net interest margin | 3.8375% | 1,855 |
| Noninterest income to average assets | 0.2917% | 3,777 |
| Noninterest expense to average assets | 2.0386% | 4,327 |
| Loan and lease loss provision to assets | 0.0509% | 3,143 |
| Net operating income to assets | 1.7977% | 418 |
| Return on assets (ROA) | 1.8011% | 458 |
| Pretax return on assets | 1.8011% | 697 |
| Return on Equity (ROE) | 16.3284% | 390 |
| Retained earnings to average equity (ytd only) | 12.9766% | 327 |
| Net charge-offs to loans | 0.1702% | 779 |
| Credit loss provision to net charge-offs | 45.4545% | 2,070 |
| Earnings coverage of net charge-offs (x) | 16.5152% | 1,525 |
| Efficiency ratio | 52.2688% | 4,535 |
| Assets per employee ($millions) | 4.1543% | 3,715 |
| Cash dividends to net income (ytd only)* | 20.5273% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3063% | 2,115 |
| Loan loss allowance to noncurrent loans | 66.4452% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 1.2939% | 905 |
| Noncurrent loans to loans | 1.9660% | 738 |
| Net loans and leases to total assets | 64.9507% | 2,948 |
| Net loans and leases to deposits | 78.7447% | 2,805 |
| Net loans and leases to core deposits | 85.4503% | 2,721 |
| Total domestic deposits to total assets | 82.4827% | 3,266 |
| Equity capital to assets | 11.1100% | 2,763 |
| Core capital (leverage) ratio | 11.4793% | 2,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,926,000 | 3,732 |
| Average earning assets | $110,489,500 | 3,710 |
| Average equity | $13,008,000 | 3,881 |
| Average total loans | $77,576,000 | 3,617 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9608% | 1,585 |
| Cost of funding earning assets | 0.8823% | 2,276 |
| Net interest margin | 4.0785% | 1,597 |
| Noninterest income to average assets | 0.3393% | 3,677 |
| Noninterest expense to average assets | 2.3237% | 3,887 |
| Loan and lease loss provision to assets | 0.1291% | 1,659 |
| Net operating income to assets | 1.7359% | 609 |
| Return on assets (ROA) | 1.7670% | 601 |
| Pretax return on assets | 1.7670% | 1,027 |
| Return on Equity (ROE) | 15.2843% | 635 |
| Retained earnings to average equity (ytd only) | 4.4451% | 2,737 |
| Net charge-offs to loans | 0.1816% | 1,106 |
| Credit loss provision to net charge-offs | 102.1127% | 2,428 |
| Earnings coverage of net charge-offs (x) | 14.7465% | 2,266 |
| Efficiency ratio | 55.3477% | 4,287 |
| Assets per employee ($millions) | 4.4271% | 3,336 |
| Cash dividends to net income (ytd only)* | 70.9173% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 1,946 |
| Loan loss allowance to noncurrent loans | 185.4281% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.4593% | 2,566 |
| Noncurrent loans to loans | 0.6985% | 2,133 |
| Net loans and leases to total assets | 64.9059% | 3,086 |
| Net loans and leases to deposits | 78.4366% | 2,961 |
| Net loans and leases to core deposits | 84.8692% | 2,882 |
| Total domestic deposits to total assets | 82.7495% | 3,290 |
| Equity capital to assets | 10.9535% | 3,052 |
| Core capital (leverage) ratio | 11.3929% | 2,192 |
| Tier 1 risk-based capital ratio | 14.7438% | 2,888 |
| Total risk-based capital ratio | 15.9026% | 2,846 |
| Memoranda: | ||
| Average total assets | $112,278,800 | 3,801 |
| Average earning assets | $105,969,800 | 3,779 |
| Average equity | $12,980,600 | 3,888 |
| Average total loans | $78,212,000 | 3,632 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9787% | 1,598 |
| Cost of funding earning assets | 0.8848% | 2,296 |
| Net interest margin | 4.0939% | 1,627 |
| Noninterest income to average assets | 0.3549% | 3,601 |
| Noninterest expense to average assets | 2.2281% | 4,131 |
| Loan and lease loss provision to assets | 0.1255% | 1,548 |
| Net operating income to assets | 1.8769% | 525 |
| Return on assets (ROA) | 1.9191% | 491 |
| Pretax return on assets | 1.9191% | 826 |
| Return on Equity (ROE) | 16.3671% | 556 |
| Retained earnings to average equity (ytd only) | 12.1466% | 365 |
| Net charge-offs to loans | 0.1519% | 1,080 |
| Credit loss provision to net charge-offs | 116.8539% | 1,999 |
| Earnings coverage of net charge-offs (x) | 18.6410% | 2,043 |
| Efficiency ratio | 52.5250% | 4,557 |
| Assets per employee ($millions) | 4.3053% | 3,477 |
| Cash dividends to net income (ytd only)* | 25.7860% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 2,007 |
| Loan loss allowance to noncurrent loans | 144.8664% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.6352% | 2,098 |
| Noncurrent loans to loans | 0.8908% | 1,798 |
| Net loans and leases to total assets | 70.3818% | 2,414 |
| Net loans and leases to deposits | 86.7369% | 2,102 |
| Net loans and leases to core deposits | 94.5332% | 2,131 |
| Total domestic deposits to total assets | 81.1440% | 3,712 |
| Equity capital to assets | 12.2336% | 2,088 |
| Core capital (leverage) ratio | 12.4980% | 1,569 |
| Tier 1 risk-based capital ratio | 15.9786% | 2,435 |
| Total risk-based capital ratio | 17.1928% | 2,396 |
| Memoranda: | ||
| Average total assets | $110,465,250 | 3,867 |
| Average earning assets | $104,575,750 | 3,837 |
| Average equity | $12,952,500 | 3,931 |
| Average total loans | $78,114,500 | 3,673 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9458% | 1,625 |
| Cost of funding earning assets | 0.8621% | 2,340 |
| Net interest margin | 4.0838% | 1,656 |
| Noninterest income to average assets | 0.3510% | 3,590 |
| Noninterest expense to average assets | 2.2060% | 4,213 |
| Loan and lease loss provision to assets | 0.0727% | 2,361 |
| Net operating income to assets | 1.9405% | 433 |
| Return on assets (ROA) | 2.0041% | 406 |
| Pretax return on assets | 2.0041% | 673 |
| Return on Equity (ROE) | 17.3471% | 429 |
| Retained earnings to average equity (ytd only) | 12.4672% | 354 |
| Net charge-offs to loans | 0.1393% | 1,093 |
| Credit loss provision to net charge-offs | 74.0741% | 2,286 |
| Earnings coverage of net charge-offs (x) | 20.5000% | 1,769 |
| Efficiency ratio | 52.1121% | 4,646 |
| Assets per employee ($millions) | 4.0195% | 3,841 |
| Cash dividends to net income (ytd only)* | 28.1307% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 2,055 |
| Loan loss allowance to noncurrent loans | 188.5122% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.4893% | 2,585 |
| Noncurrent loans to loans | 0.6847% | 2,265 |
| Net loans and leases to total assets | 70.5370% | 2,455 |
| Net loans and leases to deposits | 87.0699% | 2,119 |
| Net loans and leases to core deposits | 92.4194% | 2,374 |
| Total domestic deposits to total assets | 81.0119% | 3,808 |
| Equity capital to assets | 12.1833% | 2,060 |
| Core capital (leverage) ratio | 12.2615% | 1,671 |
| Tier 1 risk-based capital ratio | 15.5566% | 2,604 |
| Total risk-based capital ratio | 16.7395% | 2,557 |
| Memoranda: | ||
| Average total assets | $109,974,330 | 3,898 |
| Average earning assets | $104,168,670 | 3,868 |
| Average equity | $12,705,330 | 3,965 |
| Average total loans | $77,548,000 | 3,705 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8316% | 1,814 |
| Cost of funding earning assets | 0.8740% | 2,130 |
| Net interest margin | 3.9576% | 1,998 |
| Noninterest income to average assets | 0.3360% | 3,613 |
| Noninterest expense to average assets | 2.1283% | 4,418 |
| Loan and lease loss provision to assets | 0.0434% | 2,771 |
| Net operating income to assets | 1.9115% | 454 |
| Return on assets (ROA) | 1.9115% | 470 |
| Pretax return on assets | 1.9115% | 778 |
| Return on Equity (ROE) | 17.0001% | 480 |
| Retained earnings to average equity (ytd only) | 13.4651% | 407 |
| Net charge-offs to loans | 0.0722% | 1,341 |
| Credit loss provision to net charge-offs | 85.7143% | 1,744 |
| Earnings coverage of net charge-offs (x) | 38.6429% | 1,170 |
| Efficiency ratio | 51.9469% | 4,703 |
| Assets per employee ($millions) | 3.7176% | 4,325 |
| Cash dividends to net income (ytd only)* | 20.7940% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3085% | 2,052 |
| Loan loss allowance to noncurrent loans | 146.8116% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.6400% | 2,170 |
| Noncurrent loans to loans | 0.8913% | 1,871 |
| Net loans and leases to total assets | 70.8698% | 2,347 |
| Net loans and leases to deposits | 87.0165% | 1,997 |
| Net loans and leases to core deposits | 92.3635% | 2,268 |
| Total domestic deposits to total assets | 81.4440% | 3,868 |
| Equity capital to assets | 11.8014% | 2,157 |
| Core capital (leverage) ratio | 11.7185% | 1,967 |
| Tier 1 risk-based capital ratio | 15.0704% | 2,860 |
| Total risk-based capital ratio | 16.2639% | 2,804 |
| Memoranda: | ||
| Average total assets | $110,698,500 | 3,925 |
| Average earning assets | $104,810,000 | 3,904 |
| Average equity | $12,447,000 | 4,011 |
| Average total loans | $77,546,000 | 3,742 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6963% | 1,831 |
| Cost of funding earning assets | 0.7310% | 1,894 |
| Net interest margin | 3.9653% | 2,110 |
| Noninterest income to average assets | 0.3708% | 3,615 |
| Noninterest expense to average assets | 2.4185% | 3,835 |
| Loan and lease loss provision to assets | 0.1200% | 1,843 |
| Net operating income to assets | 1.5841% | 912 |
| Return on assets (ROA) | 1.5832% | 908 |
| Pretax return on assets | 1.5832% | 1,521 |
| Return on Equity (ROE) | 14.3801% | 963 |
| Retained earnings to average equity (ytd only) | 4.2183% | 3,230 |
| Net charge-offs to loans | 0.1455% | 1,316 |
| Credit loss provision to net charge-offs | 117.8571% | 2,204 |
| Earnings coverage of net charge-offs (x) | 16.7411% | 2,229 |
| Efficiency ratio | 57.6720% | 4,197 |
| Assets per employee ($millions) | 3.9168% | 4,017 |
| Cash dividends to net income (ytd only)* | 70.6659% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3067% | 2,005 |
| Loan loss allowance to noncurrent loans | 221.6157% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.4032% | 2,945 |
| Noncurrent loans to loans | 0.5896% | 2,520 |
| Net loans and leases to total assets | 67.4895% | 2,944 |
| Net loans and leases to deposits | 81.2619% | 2,824 |
| Net loans and leases to core deposits | 88.0583% | 2,750 |
| Total domestic deposits to total assets | 83.0519% | 3,309 |
| Equity capital to assets | 10.7150% | 2,963 |
| Core capital (leverage) ratio | 11.2249% | 2,326 |
| Tier 1 risk-based capital ratio | 14.3732% | 3,129 |
| Total risk-based capital ratio | 15.5527% | 3,081 |
| Memoranda: | ||
| Average total assets | $110,028,200 | 3,945 |
| Average earning assets | $104,102,600 | 3,916 |
| Average equity | $12,114,000 | 4,005 |
| Average total loans | $76,951,600 | 3,727 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6630% | 1,786 |
| Cost of funding earning assets | 0.7137% | 1,778 |
| Net interest margin | 3.9493% | 2,131 |
| Noninterest income to average assets | 0.3738% | 3,638 |
| Noninterest expense to average assets | 2.2955% | 4,114 |
| Loan and lease loss provision to assets | 0.1490% | 1,328 |
| Net operating income to assets | 1.6676% | 804 |
| Return on assets (ROA) | 1.6663% | 812 |
| Pretax return on assets | 1.6663% | 1,360 |
| Return on Equity (ROE) | 15.0302% | 873 |
| Retained earnings to average equity (ytd only) | 10.5013% | 763 |
| Net charge-offs to loans | 0.1806% | 925 |
| Credit loss provision to net charge-offs | 117.3077% | 2,018 |
| Earnings coverage of net charge-offs (x) | 14.2984% | 2,292 |
| Efficiency ratio | 54.6643% | 4,545 |
| Assets per employee ($millions) | 3.7395% | 4,252 |
| Cash dividends to net income (ytd only)* | 30.1322% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 2,196 |
| Loan loss allowance to noncurrent loans | 122.0482% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.7654% | 1,941 |
| Noncurrent loans to loans | 1.0489% | 1,624 |
| Net loans and leases to total assets | 72.0328% | 2,324 |
| Net loans and leases to deposits | 87.7146% | 2,185 |
| Net loans and leases to core deposits | 95.3215% | 2,183 |
| Total domestic deposits to total assets | 82.1218% | 3,576 |
| Equity capital to assets | 11.4565% | 2,296 |
| Core capital (leverage) ratio | 11.9080% | 1,838 |
| Tier 1 risk-based capital ratio | 15.5887% | 2,611 |
| Total risk-based capital ratio | 16.8219% | 2,554 |
| Memoranda: | ||
| Average total assets | $109,138,250 | 3,997 |
| Average earning assets | $103,307,500 | 3,967 |
| Average equity | $12,099,750 | 4,042 |
| Average total loans | $76,770,750 | 3,763 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5845% | 1,827 |
| Cost of funding earning assets | 0.7044% | 1,596 |
| Net interest margin | 3.8801% | 2,276 |
| Noninterest income to average assets | 0.3639% | 3,718 |
| Noninterest expense to average assets | 2.2950% | 4,155 |
| Loan and lease loss provision to assets | 0.0914% | 2,098 |
| Net operating income to assets | 1.6440% | 812 |
| Return on assets (ROA) | 1.6421% | 825 |
| Pretax return on assets | 1.6421% | 1,369 |
| Return on Equity (ROE) | 14.9771% | 856 |
| Retained earnings to average equity (ytd only) | 9.8235% | 978 |
| Net charge-offs to loans | 0.1316% | 1,133 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 18.9800% | 1,871 |
| Efficiency ratio | 55.7623% | 4,506 |
| Assets per employee ($millions) | 3.4819% | 4,618 |
| Cash dividends to net income (ytd only)* | 34.4098% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 2,239 |
| Loan loss allowance to noncurrent loans | 146.3235% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.6300% | 2,330 |
| Noncurrent loans to loans | 0.8785% | 1,975 |
| Net loans and leases to total assets | 70.7937% | 2,462 |
| Net loans and leases to deposits | 86.0654% | 2,298 |
| Net loans and leases to core deposits | 91.2940% | 2,455 |
| Total domestic deposits to total assets | 82.2557% | 3,642 |
| Equity capital to assets | 11.2832% | 2,375 |
| Core capital (leverage) ratio | 11.5705% | 2,010 |
| Tier 1 risk-based capital ratio | 15.4322% | 2,670 |
| Total risk-based capital ratio | 16.6677% | 2,610 |
| Memoranda: | ||
| Average total assets | $109,369,330 | 4,032 |
| Average earning assets | $103,348,330 | 3,998 |
| Average equity | $11,991,670 | 4,082 |
| Average total loans | $75,984,670 | 3,809 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4927% | 1,895 |
| Cost of funding earning assets | 0.7289% | 1,297 |
| Net interest margin | 3.7639% | 2,569 |
| Noninterest income to average assets | 0.3634% | 3,711 |
| Noninterest expense to average assets | 2.2346% | 4,339 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6751% | 718 |
| Return on assets (ROA) | 1.6751% | 725 |
| Pretax return on assets | 1.6751% | 1,179 |
| Return on Equity (ROE) | 15.4984% | 705 |
| Retained earnings to average equity (ytd only) | 12.1365% | 659 |
| Net charge-offs to loans | 0.1116% | 1,110 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 21.9524% | 1,419 |
| Efficiency ratio | 55.9480% | 4,588 |
| Assets per employee ($millions) | 3.6347% | 4,494 |
| Cash dividends to net income (ytd only)* | 21.6920% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 2,272 |
| Loan loss allowance to noncurrent loans | 167.6420% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.5466% | 2,700 |
| Noncurrent loans to loans | 0.7721% | 2,280 |
| Net loans and leases to total assets | 68.1123% | 2,757 |
| Net loans and leases to deposits | 82.4528% | 2,554 |
| Net loans and leases to core deposits | 86.9714% | 2,717 |
| Total domestic deposits to total assets | 82.6076% | 3,787 |
| Equity capital to assets | 10.9829% | 2,602 |
| Core capital (leverage) ratio | 11.2343% | 2,218 |
| Tier 1 risk-based capital ratio | 15.4554% | 2,679 |
| Total risk-based capital ratio | 16.6905% | 2,616 |
| Memoranda: | ||
| Average total assets | $110,084,500 | 4,064 |
| Average earning assets | $103,723,000 | 4,035 |
| Average equity | $11,898,000 | 4,141 |
| Average total loans | $75,272,500 | 3,861 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3985% | 2,025 |
| Cost of funding earning assets | 0.6627% | 1,234 |
| Net interest margin | 3.7358% | 2,655 |
| Noninterest income to average assets | 0.4075% | 3,585 |
| Noninterest expense to average assets | 2.4258% | 4,001 |
| Loan and lease loss provision to assets | 0.0924% | 2,356 |
| Net operating income to assets | 1.4062% | 1,004 |
| Return on assets (ROA) | 1.4325% | 960 |
| Pretax return on assets | 1.4325% | 1,878 |
| Return on Equity (ROE) | 13.0984% | 934 |
| Retained earnings to average equity (ytd only) | 0.7203% | 4,752 |
| Net charge-offs to loans | 0.0856% | 2,238 |
| Credit loss provision to net charge-offs | 156.9231% | 1,705 |
| Earnings coverage of net charge-offs (x) | 25.4615% | 1,713 |
| Efficiency ratio | 60.6599% | 4,163 |
| Assets per employee ($millions) | 3.8320% | 4,235 |
| Cash dividends to net income (ytd only)* | 94.5006% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3214% | 2,112 |
| Loan loss allowance to noncurrent loans | 160.4839% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.5759% | 2,626 |
| Noncurrent loans to loans | 0.8234% | 2,160 |
| Net loans and leases to total assets | 66.8649% | 2,984 |
| Net loans and leases to deposits | 81.4078% | 2,769 |
| Net loans and leases to core deposits | 85.7847% | 2,925 |
| Total domestic deposits to total assets | 82.1358% | 3,838 |
| Equity capital to assets | 10.6365% | 3,013 |
| Core capital (leverage) ratio | 10.9990% | 2,339 |
| Tier 1 risk-based capital ratio | 15.0108% | 2,851 |
| Total risk-based capital ratio | 16.2605% | 2,775 |
| Memoranda: | ||
| Average total assets | $110,436,000 | 4,053 |
| Average earning assets | $103,967,200 | 4,027 |
| Average equity | $12,077,800 | 4,123 |
| Average total loans | $75,922,600 | 3,822 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3826% | 2,008 |
| Cost of funding earning assets | 0.6657% | 1,142 |
| Net interest margin | 3.7169% | 2,693 |
| Noninterest income to average assets | 0.4208% | 3,555 |
| Noninterest expense to average assets | 2.3567% | 4,132 |
| Loan and lease loss provision to assets | 0.0605% | 2,873 |
| Net operating income to assets | 1.5006% | 894 |
| Return on assets (ROA) | 1.5357% | 855 |
| Pretax return on assets | 1.5357% | 1,643 |
| Return on Equity (ROE) | 13.9454% | 843 |
| Retained earnings to average equity (ytd only) | 9.4873% | 710 |
| Net charge-offs to loans | 0.0929% | 1,861 |
| Credit loss provision to net charge-offs | 94.3396% | 2,396 |
| Earnings coverage of net charge-offs (x) | 24.3602% | 1,773 |
| Efficiency ratio | 59.0123% | 4,353 |
| Assets per employee ($millions) | 3.5903% | 4,592 |
| Cash dividends to net income (ytd only)* | 31.9685% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 2,670 |
| Loan loss allowance to noncurrent loans | 141.9019% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.6434% | 2,572 |
| Noncurrent loans to loans | 0.8770% | 2,181 |
| Net loans and leases to total assets | 70.3590% | 2,505 |
| Net loans and leases to deposits | 87.0819% | 2,173 |
| Net loans and leases to core deposits | 92.0020% | 2,444 |
| Total domestic deposits to total assets | 80.7964% | 4,102 |
| Equity capital to assets | 11.7687% | 2,135 |
| Core capital (leverage) ratio | 11.8780% | 1,766 |
| Tier 1 risk-based capital ratio | 14.6054% | 3,127 |
| Total risk-based capital ratio | 15.7125% | 3,117 |
| Memoranda: | ||
| Average total assets | $110,263,250 | 4,104 |
| Average earning assets | $103,740,500 | 4,072 |
| Average equity | $12,142,250 | 4,152 |
| Average total loans | $76,078,250 | 3,857 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3403% | 1,998 |
| Cost of funding earning assets | 0.6649% | 1,065 |
| Net interest margin | 3.6754% | 2,738 |
| Noninterest income to average assets | 0.4248% | 3,527 |
| Noninterest expense to average assets | 2.3543% | 4,196 |
| Loan and lease loss provision to assets | 0.0900% | 2,180 |
| Net operating income to assets | 1.4328% | 994 |
| Return on assets (ROA) | 1.4508% | 974 |
| Pretax return on assets | 1.4508% | 1,818 |
| Return on Equity (ROE) | 13.4734% | 931 |
| Retained earnings to average equity (ytd only) | 8.3582% | 1,041 |
| Net charge-offs to loans | 0.1055% | 1,576 |
| Credit loss provision to net charge-offs | 125.0000% | 1,726 |
| Earnings coverage of net charge-offs (x) | 21.1500% | 1,765 |
| Efficiency ratio | 59.6100% | 4,375 |
| Assets per employee ($millions) | 3.7070% | 4,426 |
| Cash dividends to net income (ytd only)* | 37.9653% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 2,476 |
| Loan loss allowance to noncurrent loans | 160.2649% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.5916% | 2,797 |
| Noncurrent loans to loans | 0.8034% | 2,393 |
| Net loans and leases to total assets | 69.0346% | 2,664 |
| Net loans and leases to deposits | 85.3085% | 2,310 |
| Net loans and leases to core deposits | 89.9042% | 2,535 |
| Total domestic deposits to total assets | 80.9235% | 4,201 |
| Equity capital to assets | 11.5140% | 2,312 |
| Core capital (leverage) ratio | 11.2854% | 2,142 |
| Tier 1 risk-based capital ratio | 13.4667% | 3,714 |
| Total risk-based capital ratio | 14.5292% | 3,737 |
| Memoranda: | ||
| Average total assets | $111,114,670 | 4,113 |
| Average earning assets | $104,370,000 | 4,087 |
| Average equity | $11,964,330 | 4,193 |
| Average total loans | $75,858,330 | 3,887 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2442% | 2,118 |
| Cost of funding earning assets | 0.6948% | 860 |
| Net interest margin | 3.5494% | 3,087 |
| Noninterest income to average assets | 0.3897% | 3,741 |
| Noninterest expense to average assets | 2.3450% | 4,275 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3744% | 1,048 |
| Return on assets (ROA) | 1.3780% | 1,074 |
| Pretax return on assets | 1.3780% | 1,956 |
| Return on Equity (ROE) | 13.2341% | 951 |
| Retained earnings to average equity (ytd only) | 9.8320% | 846 |
| Net charge-offs to loans | -0.0735% | 5,343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9048% | 4,161 |
| Assets per employee ($millions) | 3.7129% | 4,483 |
| Cash dividends to net income (ytd only)* | 25.7069% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 2,593 |
| Loan loss allowance to noncurrent loans | 113.4189% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.8080% | 2,280 |
| Noncurrent loans to loans | 1.1364% | 1,795 |
| Net loans and leases to total assets | 66.8325% | 2,844 |
| Net loans and leases to deposits | 81.4972% | 2,571 |
| Net loans and leases to core deposits | 85.1710% | 2,794 |
| Total domestic deposits to total assets | 82.0058% | 4,169 |
| Equity capital to assets | 10.7168% | 2,943 |
| Core capital (leverage) ratio | 10.7830% | 2,613 |
| Tier 1 risk-based capital ratio | 13.9944% | 3,484 |
| Total risk-based capital ratio | 15.1232% | 3,471 |
| Memoranda: | ||
| Average total assets | $112,920,000 | 4,112 |
| Average earning assets | $105,932,500 | 4,085 |
| Average equity | $11,757,500 | 4,256 |
| Average total loans | $76,196,000 | 3,901 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3564% | 1,965 |
| Cost of funding earning assets | 0.6525% | 1,040 |
| Net interest margin | 3.7038% | 2,680 |
| Noninterest income to average assets | 0.4170% | 3,762 |
| Noninterest expense to average assets | 2.4865% | 4,062 |
| Loan and lease loss provision to assets | 0.2080% | 1,089 |
| Net operating income to assets | 1.2081% | 1,480 |
| Return on assets (ROA) | 1.2747% | 1,356 |
| Pretax return on assets | 1.2747% | 2,378 |
| Return on Equity (ROE) | 12.0885% | 1,214 |
| Retained earnings to average equity (ytd only) | 3.5738% | 3,383 |
| Net charge-offs to loans | 0.1848% | 1,497 |
| Credit loss provision to net charge-offs | 161.7021% | 1,712 |
| Earnings coverage of net charge-offs (x) | 11.0071% | 2,573 |
| Efficiency ratio | 62.5438% | 4,171 |
| Assets per employee ($millions) | 3.8151% | 4,277 |
| Cash dividends to net income (ytd only)* | 70.4366% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 2,860 |
| Loan loss allowance to noncurrent loans | 105.5127% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.8641% | 2,189 |
| Noncurrent loans to loans | 1.1783% | 1,741 |
| Net loans and leases to total assets | 66.4206% | 3,013 |
| Net loans and leases to deposits | 80.3834% | 2,848 |
| Net loans and leases to core deposits | 84.8809% | 2,939 |
| Total domestic deposits to total assets | 82.6297% | 3,884 |
| Equity capital to assets | 10.1159% | 3,587 |
| Core capital (leverage) ratio | 10.7373% | 2,612 |
| Tier 1 risk-based capital ratio | 13.3377% | 3,867 |
| Total risk-based capital ratio | 14.4224% | 3,888 |
| Memoranda: | ||
| Average total assets | $109,590,400 | 4,171 |
| Average earning assets | $103,136,200 | 4,135 |
| Average equity | $11,556,400 | 4,328 |
| Average total loans | $76,292,200 | 3,894 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3661% | 1,956 |
| Cost of funding earning assets | 0.6673% | 963 |
| Net interest margin | 3.6988% | 2,722 |
| Noninterest income to average assets | 0.4195% | 3,781 |
| Noninterest expense to average assets | 2.4298% | 4,198 |
| Loan and lease loss provision to assets | 0.2239% | 915 |
| Net operating income to assets | 1.2573% | 1,425 |
| Return on assets (ROA) | 1.3471% | 1,253 |
| Pretax return on assets | 1.3471% | 2,251 |
| Return on Equity (ROE) | 12.6393% | 1,139 |
| Retained earnings to average equity (ytd only) | 7.9529% | 1,192 |
| Net charge-offs to loans | 0.0666% | 2,383 |
| Credit loss provision to net charge-offs | 478.9474% | 734 |
| Earnings coverage of net charge-offs (x) | 31.6813% | 1,434 |
| Efficiency ratio | 60.9626% | 4,399 |
| Assets per employee ($millions) | 3.6129% | 4,630 |
| Cash dividends to net income (ytd only)* | 37.0777% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 2,833 |
| Loan loss allowance to noncurrent loans | 95.0375% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 0.9854% | 2,104 |
| Noncurrent loans to loans | 1.3381% | 1,647 |
| Net loans and leases to total assets | 72.7022% | 2,061 |
| Net loans and leases to deposits | 89.5728% | 1,813 |
| Net loans and leases to core deposits | 96.2207% | 1,969 |
| Total domestic deposits to total assets | 81.1655% | 4,204 |
| Equity capital to assets | 11.0346% | 2,969 |
| Core capital (leverage) ratio | 11.1723% | 2,294 |
| Tier 1 risk-based capital ratio | 13.4465% | 3,893 |
| Total risk-based capital ratio | 14.5805% | 3,877 |
| Memoranda: | ||
| Average total assets | $108,374,500 | 4,229 |
| Average earning assets | $102,301,750 | 4,183 |
| Average equity | $11,551,000 | 4,366 |
| Average total loans | $76,120,750 | 3,928 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3096% | 2,127 |
| Cost of funding earning assets | 0.6815% | 882 |
| Net interest margin | 3.6281% | 2,983 |
| Noninterest income to average assets | 0.4152% | 3,780 |
| Noninterest expense to average assets | 2.3844% | 4,391 |
| Loan and lease loss provision to assets | 0.2104% | 1,016 |
| Net operating income to assets | 1.2494% | 1,426 |
| Return on assets (ROA) | 1.2863% | 1,425 |
| Pretax return on assets | 1.2863% | 2,459 |
| Return on Equity (ROE) | 12.2124% | 1,238 |
| Retained earnings to average equity (ytd only) | 6.8333% | 1,699 |
| Net charge-offs to loans | -0.0427% | 5,304 |
| Credit loss provision to net charge-offs | -712.5000% | 5,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8257% | 4,534 |
| Assets per employee ($millions) | 3.4657% | 4,809 |
| Cash dividends to net income (ytd only)* | 44.0459% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3038% | 2,758 |
| Loan loss allowance to noncurrent loans | 115.9907% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.8033% | 2,587 |
| Noncurrent loans to loans | 1.1240% | 2,050 |
| Net loans and leases to total assets | 70.5322% | 2,394 |
| Net loans and leases to deposits | 86.9591% | 2,132 |
| Net loans and leases to core deposits | 92.0115% | 2,350 |
| Total domestic deposits to total assets | 81.1097% | 4,242 |
| Equity capital to assets | 10.9125% | 3,155 |
| Core capital (leverage) ratio | 10.8906% | 2,541 |
| Tier 1 risk-based capital ratio | 13.4053% | 3,962 |
| Total risk-based capital ratio | 14.5494% | 3,936 |
| Memoranda: | ||
| Average total assets | $108,370,670 | 4,257 |
| Average earning assets | $102,423,670 | 4,211 |
| Average equity | $11,414,670 | 4,415 |
| Average total loans | $74,889,670 | 3,979 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2634% | 2,259 |
| Cost of funding earning assets | 0.7288% | 699 |
| Net interest margin | 3.5347% | 3,341 |
| Noninterest income to average assets | 0.4190% | 3,687 |
| Noninterest expense to average assets | 2.4513% | 4,220 |
| Loan and lease loss provision to assets | 0.1838% | 1,087 |
| Net operating income to assets | 1.1173% | 1,841 |
| Return on assets (ROA) | 1.1871% | 1,696 |
| Pretax return on assets | 1.1871% | 2,752 |
| Return on Equity (ROE) | 11.4742% | 1,463 |
| Retained earnings to average equity (ytd only) | 7.6732% | 1,602 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1528% | 4,099 |
| Assets per employee ($millions) | 3.5881% | 4,672 |
| Cash dividends to net income (ytd only)* | 33.1269% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 3,188 |
| Loan loss allowance to noncurrent loans | 102.4472% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 0.8352% | 2,600 |
| Noncurrent loans to loans | 1.2200% | 1,985 |
| Net loans and leases to total assets | 67.6019% | 2,712 |
| Net loans and leases to deposits | 82.8793% | 2,445 |
| Net loans and leases to core deposits | 87.1317% | 2,646 |
| Total domestic deposits to total assets | 81.5667% | 4,339 |
| Equity capital to assets | 10.5238% | 3,460 |
| Core capital (leverage) ratio | 10.6327% | 2,813 |
| Tier 1 risk-based capital ratio | 13.1681% | 4,157 |
| Total risk-based capital ratio | 14.2183% | 4,203 |
| Memoranda: | ||
| Average total assets | $108,838,000 | 4,284 |
| Average earning assets | $102,640,000 | 4,240 |
| Average equity | $11,260,000 | 4,457 |
| Average total loans | $73,945,500 | 4,023 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2220% | 2,489 |
| Cost of funding earning assets | 0.6978% | 829 |
| Net interest margin | 3.5241% | 3,436 |
| Noninterest income to average assets | 0.3882% | 4,124 |
| Noninterest expense to average assets | 2.5364% | 4,116 |
| Loan and lease loss provision to assets | 0.2241% | 913 |
| Net operating income to assets | 0.9377% | 2,671 |
| Return on assets (ROA) | 0.9564% | 2,663 |
| Pretax return on assets | 0.9564% | 3,623 |
| Return on Equity (ROE) | 9.2820% | 2,328 |
| Retained earnings to average equity (ytd only) | 2.8756% | 4,016 |
| Net charge-offs to loans | 0.7930% | 281 |
| Credit loss provision to net charge-offs | 41.7103% | 3,510 |
| Earnings coverage of net charge-offs (x) | 2.1623% | 3,965 |
| Efficiency ratio | 67.3174% | 3,692 |
| Assets per employee ($millions) | 3.5495% | 4,729 |
| Cash dividends to net income (ytd only)* | 69.0196% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 3,621 |
| Loan loss allowance to noncurrent loans | 111.8100% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.7080% | 2,926 |
| Noncurrent loans to loans | 1.0498% | 2,235 |
| Net loans and leases to total assets | 66.6439% | 2,891 |
| Net loans and leases to deposits | 80.8893% | 2,723 |
| Net loans and leases to core deposits | 84.8856% | 2,896 |
| Total domestic deposits to total assets | 82.3891% | 4,056 |
| Equity capital to assets | 10.1714% | 3,781 |
| Core capital (leverage) ratio | 10.4923% | 2,941 |
| Tier 1 risk-based capital ratio | 13.2560% | 4,132 |
| Total risk-based capital ratio | 14.2732% | 4,208 |
| Memoranda: | ||
| Average total assets | $106,649,000 | 4,322 |
| Average earning assets | $100,166,800 | 4,286 |
| Average equity | $10,989,000 | 4,481 |
| Average total loans | $72,258,000 | 4,042 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2014% | 2,568 |
| Cost of funding earning assets | 0.7191% | 760 |
| Net interest margin | 3.4823% | 3,617 |
| Noninterest income to average assets | 0.3755% | 4,248 |
| Noninterest expense to average assets | 2.5153% | 4,146 |
| Loan and lease loss provision to assets | 0.3012% | 487 |
| Net operating income to assets | 0.8242% | 3,306 |
| Return on assets (ROA) | 0.8481% | 3,268 |
| Pretax return on assets | 0.8481% | 4,181 |
| Return on Equity (ROE) | 8.2034% | 2,969 |
| Retained earnings to average equity (ytd only) | 3.2301% | 4,162 |
| Net charge-offs to loans | 0.9047% | 213 |
| Credit loss provision to net charge-offs | 49.0760% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.8337% | 3,770 |
| Efficiency ratio | 67.8089% | 3,587 |
| Assets per employee ($millions) | 3.5563% | 4,693 |
| Cash dividends to net income (ytd only)* | 60.6245% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 3,032 |
| Loan loss allowance to noncurrent loans | 99.3769% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 0.9101% | 2,592 |
| Noncurrent loans to loans | 1.3187% | 1,933 |
| Net loans and leases to total assets | 67.5515% | 2,761 |
| Net loans and leases to deposits | 82.5213% | 2,583 |
| Net loans and leases to core deposits | 87.1210% | 2,740 |
| Total domestic deposits to total assets | 81.8594% | 4,209 |
| Equity capital to assets | 10.3469% | 3,760 |
| Core capital (leverage) ratio | 10.7190% | 2,801 |
| Tier 1 risk-based capital ratio | 13.7762% | 3,978 |
| Total risk-based capital ratio | 14.9455% | 3,961 |
| Memoranda: | ||
| Average total assets | $105,802,750 | 4,385 |
| Average earning assets | $99,202,750 | 4,358 |
| Average equity | $10,938,250 | 4,547 |
| Average total loans | $71,772,000 | 4,087 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1913% | 2,565 |
| Cost of funding earning assets | 0.7352% | 696 |
| Net interest margin | 3.4561% | 3,678 |
| Noninterest income to average assets | 0.4170% | 3,947 |
| Noninterest expense to average assets | 2.5268% | 4,149 |
| Loan and lease loss provision to assets | 0.3924% | 313 |
| Net operating income to assets | 0.7412% | 3,679 |
| Return on assets (ROA) | 0.7620% | 3,684 |
| Pretax return on assets | 0.7620% | 4,449 |
| Return on Equity (ROE) | 7.3730% | 3,389 |
| Retained earnings to average equity (ytd only) | 1.7240% | 4,833 |
| Net charge-offs to loans | 1.3875% | 129 |
| Credit loss provision to net charge-offs | 41.8182% | 2,788 |
| Earnings coverage of net charge-offs (x) | 1.2081% | 3,557 |
| Efficiency ratio | 67.7369% | 3,710 |
| Assets per employee ($millions) | 3.3791% | 5,024 |
| Cash dividends to net income (ytd only)* | 76.6169% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 3,378 |
| Loan loss allowance to noncurrent loans | 83.8975% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 1.1427% | 2,223 |
| Noncurrent loans to loans | 1.5181% | 1,750 |
| Net loans and leases to total assets | 67.8574% | 2,664 |
| Net loans and leases to deposits | 82.8384% | 2,455 |
| Net loans and leases to core deposits | 87.0847% | 2,649 |
| Total domestic deposits to total assets | 81.9154% | 4,314 |
| Equity capital to assets | 10.2184% | 3,789 |
| Core capital (leverage) ratio | 10.5784% | 2,865 |
| Tier 1 risk-based capital ratio | 14.0058% | 3,917 |
| Total risk-based capital ratio | 15.1629% | 3,912 |
| Memoranda: | ||
| Average total assets | $105,507,330 | 4,435 |
| Average earning assets | $99,014,670 | 4,398 |
| Average equity | $10,904,670 | 4,577 |
| Average total loans | $71,353,670 | 4,125 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1179% | 2,763 |
| Cost of funding earning assets | 0.7921% | 527 |
| Net interest margin | 3.3258% | 4,108 |
| Noninterest income to average assets | 0.4118% | 3,907 |
| Noninterest expense to average assets | 2.4782% | 4,330 |
| Loan and lease loss provision to assets | 0.7480% | 113 |
| Net operating income to assets | 0.2947% | 5,440 |
| Return on assets (ROA) | 0.3098% | 5,480 |
| Pretax return on assets | 0.3098% | 5,629 |
| Return on Equity (ROE) | 2.9805% | 5,387 |
| Retained earnings to average equity (ytd only) | -0.9450% | 5,551 |
| Net charge-offs to loans | 0.2140% | 1,088 |
| Credit loss provision to net charge-offs | 521.0526% | 525 |
| Earnings coverage of net charge-offs (x) | 7.2632% | 2,189 |
| Efficiency ratio | 69.0987% | 3,638 |
| Assets per employee ($millions) | 3.4067% | 5,071 |
| Cash dividends to net income (ytd only)* | 131.7073% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9523% | 1,179 |
| Loan loss allowance to noncurrent loans | 112.1611% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 1.2878% | 2,068 |
| Noncurrent loans to loans | 1.7406% | 1,565 |
| Net loans and leases to total assets | 64.9111% | 2,960 |
| Net loans and leases to deposits | 79.4069% | 2,628 |
| Net loans and leases to core deposits | 82.6934% | 2,894 |
| Total domestic deposits to total assets | 81.7449% | 4,590 |
| Equity capital to assets | 10.3599% | 3,706 |
| Core capital (leverage) ratio | 10.1863% | 3,361 |
| Tier 1 risk-based capital ratio | 12.9343% | 4,641 |
| Total risk-based capital ratio | 14.1907% | 4,555 |
| Memoranda: | ||
| Average total assets | $105,885,000 | 4,456 |
| Average earning assets | $98,983,500 | 4,433 |
| Average equity | $11,005,000 | 4,597 |
| Average total loans | $71,031,000 | 4,158 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3555% | 2,386 |
| Cost of funding earning assets | 0.7207% | 1,000 |
| Net interest margin | 3.6349% | 3,272 |
| Noninterest income to average assets | 0.3748% | 4,386 |
| Noninterest expense to average assets | 2.5370% | 4,431 |
| Loan and lease loss provision to assets | 0.1541% | 1,705 |
| Net operating income to assets | 1.0854% | 2,034 |
| Return on assets (ROA) | 1.1187% | 1,964 |
| Pretax return on assets | 1.1187% | 3,013 |
| Return on Equity (ROE) | 11.1550% | 1,675 |
| Retained earnings to average equity (ytd only) | 4.5056% | 2,965 |
| Net charge-offs to loans | 0.4126% | 1,034 |
| Credit loss provision to net charge-offs | 54.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.3433% | 3,680 |
| Efficiency ratio | 65.9446% | 4,262 |
| Assets per employee ($millions) | 3.3175% | 5,232 |
| Cash dividends to net income (ytd only)* | 59.6088% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6702% | 1,863 |
| Loan loss allowance to noncurrent loans | 68.5828% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 1.6814% | 1,594 |
| Noncurrent loans to loans | 2.4354% | 1,059 |
| Net loans and leases to total assets | 66.8230% | 2,755 |
| Net loans and leases to deposits | 81.8686% | 2,488 |
| Net loans and leases to core deposits | 83.9070% | 2,910 |
| Total domestic deposits to total assets | 81.6223% | 4,562 |
| Equity capital to assets | 10.4266% | 3,579 |
| Core capital (leverage) ratio | 10.4251% | 3,031 |
| Tier 1 risk-based capital ratio | 10.3459% | 6,165 |
| Total risk-based capital ratio | 11.4037% | 6,164 |
| Memoranda: | ||
| Average total assets | $105,126,000 | 4,475 |
| Average earning assets | $98,380,800 | 4,443 |
| Average equity | $10,542,400 | 4,646 |
| Average total loans | $72,703,800 | 4,104 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3402% | 2,457 |
| Cost of funding earning assets | 0.7295% | 994 |
| Net interest margin | 3.6108% | 3,384 |
| Noninterest income to average assets | 0.3878% | 4,332 |
| Noninterest expense to average assets | 2.5009% | 4,523 |
| Loan and lease loss provision to assets | 0.1043% | 2,300 |
| Net operating income to assets | 1.1621% | 1,819 |
| Return on assets (ROA) | 1.1913% | 1,775 |
| Pretax return on assets | 1.1913% | 2,816 |
| Return on Equity (ROE) | 12.0001% | 1,481 |
| Retained earnings to average equity (ytd only) | 6.8133% | 1,919 |
| Net charge-offs to loans | 0.0677% | 3,235 |
| Credit loss provision to net charge-offs | 221.6216% | 1,169 |
| Earnings coverage of net charge-offs (x) | 26.9201% | 1,471 |
| Efficiency ratio | 65.1704% | 4,342 |
| Assets per employee ($millions) | 3.0391% | 5,689 |
| Cash dividends to net income (ytd only)* | 43.2234% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9033% | 1,448 |
| Loan loss allowance to noncurrent loans | 70.7802% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 1.9414% | 1,500 |
| Noncurrent loans to loans | 2.6891% | 1,065 |
| Net loans and leases to total assets | 69.2323% | 2,317 |
| Net loans and leases to deposits | 85.6443% | 1,946 |
| Net loans and leases to core deposits | 88.6544% | 2,357 |
| Total domestic deposits to total assets | 80.8369% | 4,868 |
| Equity capital to assets | 10.6340% | 3,392 |
| Core capital (leverage) ratio | 10.6996% | 2,819 |
| Tier 1 risk-based capital ratio | 10.5447% | 6,194 |
| Total risk-based capital ratio | 11.6097% | 6,213 |
| Memoranda: | ||
| Average total assets | $104,867,250 | 4,523 |
| Average earning assets | $98,148,500 | 4,492 |
| Average equity | $10,410,750 | 4,705 |
| Average total loans | $72,843,500 | 4,125 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2772% | 2,675 |
| Cost of funding earning assets | 0.7321% | 1,013 |
| Net interest margin | 3.5451% | 3,594 |
| Noninterest income to average assets | 0.3891% | 4,325 |
| Noninterest expense to average assets | 2.4824% | 4,638 |
| Loan and lease loss provision to assets | 0.1177% | 2,080 |
| Net operating income to assets | 1.1160% | 1,872 |
| Return on assets (ROA) | 1.1558% | 1,813 |
| Pretax return on assets | 1.1558% | 2,853 |
| Return on Equity (ROE) | 11.9198% | 1,447 |
| Retained earnings to average equity (ytd only) | 5.9305% | 2,361 |
| Net charge-offs to loans | 0.0961% | 2,708 |
| Credit loss provision to net charge-offs | 177.1429% | 1,291 |
| Earnings coverage of net charge-offs (x) | 18.5714% | 1,675 |
| Efficiency ratio | 65.5771% | 4,428 |
| Assets per employee ($millions) | 3.3306% | 5,198 |
| Cash dividends to net income (ytd only)* | 50.2463% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8557% | 1,689 |
| Loan loss allowance to noncurrent loans | 72.8723% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 1.8760% | 1,735 |
| Noncurrent loans to loans | 2.5465% | 1,217 |
| Net loans and leases to total assets | 70.1779% | 2,051 |
| Net loans and leases to deposits | 86.8957% | 1,726 |
| Net loans and leases to core deposits | 88.1849% | 2,296 |
| Total domestic deposits to total assets | 80.7611% | 5,049 |
| Equity capital to assets | 10.3042% | 3,687 |
| Core capital (leverage) ratio | 10.2513% | 3,265 |
| Tier 1 risk-based capital ratio | 10.2362% | 6,327 |
| Total risk-based capital ratio | 11.3107% | 6,337 |
| Memoranda: | ||
| Average total assets | $105,380,000 | 4,550 |
| Average earning assets | $98,897,000 | 4,494 |
| Average equity | $10,218,330 | 4,760 |
| Average total loans | $72,816,330 | 4,139 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2196% | 2,798 |
| Cost of funding earning assets | 0.7470% | 983 |
| Net interest margin | 3.4726% | 3,813 |
| Noninterest income to average assets | 0.3532% | 4,549 |
| Noninterest expense to average assets | 2.4350% | 4,827 |
| Loan and lease loss provision to assets | 0.0451% | 3,203 |
| Net operating income to assets | 1.1048% | 1,801 |
| Return on assets (ROA) | 1.1724% | 1,628 |
| Pretax return on assets | 1.1724% | 2,603 |
| Return on Equity (ROE) | 12.4700% | 1,287 |
| Retained earnings to average equity (ytd only) | 8.2334% | 1,519 |
| Net charge-offs to loans | 0.1438% | 1,864 |
| Credit loss provision to net charge-offs | 46.1538% | 2,244 |
| Earnings coverage of net charge-offs (x) | 11.7692% | 1,759 |
| Efficiency ratio | 66.6667% | 4,418 |
| Assets per employee ($millions) | 3.6702% | 4,586 |
| Cash dividends to net income (ytd only)* | 33.9744% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8402% | 1,927 |
| Loan loss allowance to noncurrent loans | 69.6906% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 1.8640% | 1,857 |
| Noncurrent loans to loans | 2.6405% | 1,294 |
| Net loans and leases to total assets | 66.6068% | 2,464 |
| Net loans and leases to deposits | 81.4909% | 2,103 |
| Net loans and leases to core deposits | 83.5559% | 2,564 |
| Total domestic deposits to total assets | 81.7353% | 5,018 |
| Equity capital to assets | 9.6585% | 4,283 |
| Core capital (leverage) ratio | 10.0449% | 3,501 |
| Tier 1 risk-based capital ratio | 10.2022% | 6,427 |
| Total risk-based capital ratio | 11.2832% | 6,441 |
| Memoranda: | ||
| Average total assets | $106,445,500 | 4,574 |
| Average earning assets | $99,061,000 | 4,538 |
| Average equity | $10,008,000 | 4,818 |
| Average total loans | $72,310,500 | 4,189 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4583% | 2,360 |
| Cost of funding earning assets | 0.7873% | 1,277 |
| Net interest margin | 3.6710% | 3,168 |
| Noninterest income to average assets | 0.3559% | 4,756 |
| Noninterest expense to average assets | 2.3543% | 5,221 |
| Loan and lease loss provision to assets | -0.0247% | 6,312 |
| Net operating income to assets | 1.4647% | 888 |
| Return on assets (ROA) | 1.4832% | 899 |
| Pretax return on assets | 1.4832% | 1,501 |
| Return on Equity (ROE) | 14.5689% | 836 |
| Retained earnings to average equity (ytd only) | 7.6886% | 1,158 |
| Net charge-offs to loans | 0.1669% | 3,145 |
| Credit loss provision to net charge-offs | -21.0526% | 5,713 |
| Earnings coverage of net charge-offs (x) | 12.2807% | 2,138 |
| Efficiency ratio | 62.0493% | 5,206 |
| Assets per employee ($millions) | 3.5485% | 4,805 |
| Cash dividends to net income (ytd only)* | 47.2261% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8550% | 1,910 |
| Loan loss allowance to noncurrent loans | 70.0574% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 1.8731% | 1,949 |
| Noncurrent loans to loans | 2.6478% | 1,398 |
| Net loans and leases to total assets | 66.7468% | 2,565 |
| Net loans and leases to deposits | 80.4210% | 2,397 |
| Net loans and leases to core deposits | 82.8274% | 2,794 |
| Total domestic deposits to total assets | 82.9967% | 4,545 |
| Equity capital to assets | 9.1456% | 4,873 |
| Core capital (leverage) ratio | 10.4126% | 3,006 |
| Tier 1 risk-based capital ratio | 9.9498% | 6,528 |
| Total risk-based capital ratio | 11.0377% | 6,526 |
| Memoranda: | ||
| Average total assets | $97,224,400 | 4,807 |
| Average earning assets | $91,065,400 | 4,745 |
| Average equity | $9,897,800 | 4,874 |
| Average total loans | $68,290,000 | 4,331 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4816% | 2,306 |
| Cost of funding earning assets | 0.8000% | 1,322 |
| Net interest margin | 3.6815% | 3,097 |
| Noninterest income to average assets | 0.3638% | 4,787 |
| Noninterest expense to average assets | 2.2742% | 5,422 |
| Loan and lease loss provision to assets | -0.1110% | 6,641 |
| Net operating income to assets | 1.6590% | 670 |
| Return on assets (ROA) | 1.6983% | 655 |
| Pretax return on assets | 1.6983% | 1,102 |
| Return on Equity (ROE) | 16.2198% | 621 |
| Retained earnings to average equity (ytd only) | 10.8534% | 605 |
| Net charge-offs to loans | 0.1467% | 3,076 |
| Credit loss provision to net charge-offs | -106.7568% | 5,798 |
| Earnings coverage of net charge-offs (x) | 14.8926% | 1,907 |
| Efficiency ratio | 59.5002% | 5,496 |
| Assets per employee ($millions) | 3.7274% | 4,399 |
| Cash dividends to net income (ytd only)* | 33.0852% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9164% | 1,953 |
| Loan loss allowance to noncurrent loans | 63.4799% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 2.3480% | 1,674 |
| Noncurrent loans to loans | 3.0190% | 1,329 |
| Net loans and leases to total assets | 72.9377% | 1,466 |
| Net loans and leases to deposits | 91.4309% | 1,023 |
| Net loans and leases to core deposits | 95.8754% | 1,404 |
| Total domestic deposits to total assets | 79.7736% | 5,565 |
| Equity capital to assets | 10.5822% | 3,185 |
| Core capital (leverage) ratio | 11.5217% | 2,021 |
| Tier 1 risk-based capital ratio | 11.0773% | 6,245 |
| Total risk-based capital ratio | 11.2684% | 6,556 |
| Memoranda: | ||
| Average total assets | $94,916,500 | 4,906 |
| Average earning assets | $89,163,000 | 4,844 |
| Average equity | $9,938,250 | 4,914 |
| Average total loans | $67,262,750 | 4,400 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4786% | 2,278 |
| Cost of funding earning assets | 0.8082% | 1,377 |
| Net interest margin | 3.6704% | 3,081 |
| Noninterest income to average assets | 0.3477% | 4,911 |
| Noninterest expense to average assets | 2.2954% | 5,386 |
| Loan and lease loss provision to assets | -0.0942% | 6,704 |
| Net operating income to assets | 1.5708% | 788 |
| Return on assets (ROA) | 1.6169% | 797 |
| Pretax return on assets | 1.6169% | 1,313 |
| Return on Equity (ROE) | 15.4958% | 737 |
| Retained earnings to average equity (ytd only) | 9.4741% | 971 |
| Net charge-offs to loans | 0.2012% | 2,551 |
| Credit loss provision to net charge-offs | -67.1642% | 5,565 |
| Earnings coverage of net charge-offs (x) | 10.5224% | 2,149 |
| Efficiency ratio | 60.8551% | 5,354 |
| Assets per employee ($millions) | 3.7436% | 4,315 |
| Cash dividends to net income (ytd only)* | 38.8601% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0605% | 1,716 |
| Loan loss allowance to noncurrent loans | 62.7119% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 2.3325% | 1,848 |
| Noncurrent loans to loans | 3.2856% | 1,332 |
| Net loans and leases to total assets | 69.5295% | 1,964 |
| Net loans and leases to deposits | 86.4549% | 1,523 |
| Net loans and leases to core deposits | 91.4331% | 1,769 |
| Total domestic deposits to total assets | 80.4229% | 5,497 |
| Equity capital to assets | 10.3944% | 3,435 |
| Core capital (leverage) ratio | 10.9411% | 2,417 |
| Tier 1 risk-based capital ratio | 10.8760% | 6,387 |
| Total risk-based capital ratio | 11.9567% | 6,418 |
| Memoranda: | ||
| Average total assets | $95,493,670 | 4,925 |
| Average earning assets | $89,090,670 | 4,866 |
| Average equity | $9,964,000 | 4,950 |
| Average total loans | $66,585,330 | 4,443 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4479% | 2,357 |
| Cost of funding earning assets | 0.8197% | 1,420 |
| Net interest margin | 3.6282% | 3,147 |
| Noninterest income to average assets | 0.3276% | 5,085 |
| Noninterest expense to average assets | 2.1981% | 5,690 |
| Loan and lease loss provision to assets | -0.3318% | 6,924 |
| Net operating income to assets | 1.8207% | 464 |
| Return on assets (ROA) | 1.8705% | 462 |
| Pretax return on assets | 1.8705% | 773 |
| Return on Equity (ROE) | 17.8933% | 443 |
| Retained earnings to average equity (ytd only) | 13.9258% | 462 |
| Net charge-offs to loans | 0.4801% | 1,247 |
| Credit loss provision to net charge-offs | -100.0000% | 5,136 |
| Earnings coverage of net charge-offs (x) | 4.4875% | 2,543 |
| Efficiency ratio | 59.6175% | 5,642 |
| Assets per employee ($millions) | 3.8379% | 4,280 |
| Cash dividends to net income (ytd only)* | 22.1729% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0212% | 1,984 |
| Loan loss allowance to noncurrent loans | 73.3481% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.8771% | 2,511 |
| Noncurrent loans to loans | 2.7556% | 1,847 |
| Net loans and leases to total assets | 66.7414% | 2,239 |
| Net loans and leases to deposits | 83.0226% | 1,706 |
| Net loans and leases to core deposits | 88.0791% | 1,899 |
| Total domestic deposits to total assets | 80.3894% | 5,667 |
| Equity capital to assets | 10.6162% | 3,415 |
| Core capital (leverage) ratio | 10.7011% | 2,548 |
| Tier 1 risk-based capital ratio | 10.8586% | 6,459 |
| Total risk-based capital ratio | 11.9429% | 6,487 |
| Memoranda: | ||
| Average total assets | $96,446,000 | 4,944 |
| Average earning assets | $89,301,500 | 4,902 |
| Average equity | $10,082,000 | 4,966 |
| Average total loans | $66,657,500 | 4,466 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9346% | 1,732 |
| Cost of funding earning assets | 0.9681% | 1,539 |
| Net interest margin | 3.9665% | 2,544 |
| Noninterest income to average assets | 0.4384% | 4,330 |
| Noninterest expense to average assets | 2.1724% | 5,983 |
| Loan and lease loss provision to assets | 0.8703% | 528 |
| Net operating income to assets | 1.0895% | 1,973 |
| Return on assets (ROA) | 1.3810% | 1,244 |
| Pretax return on assets | 1.3810% | 2,106 |
| Return on Equity (ROE) | 13.3661% | 1,138 |
| Retained earnings to average equity (ytd only) | 6.4584% | 1,846 |
| Net charge-offs to loans | 0.2981% | 3,154 |
| Credit loss provision to net charge-offs | 407.0707% | 590 |
| Earnings coverage of net charge-offs (x) | 9.1667% | 2,296 |
| Efficiency ratio | 52.5738% | 6,412 |
| Assets per employee ($millions) | 3.8778% | 4,207 |
| Cash dividends to net income (ytd only)* | 51.6810% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1793% | 1,582 |
| Loan loss allowance to noncurrent loans | 321.2581% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.5426% | 5,120 |
| Noncurrent loans to loans | 0.6784% | 4,841 |
| Net loans and leases to total assets | 68.5715% | 2,092 |
| Net loans and leases to deposits | 84.8254% | 1,657 |
| Net loans and leases to core deposits | 89.9041% | 1,845 |
| Total domestic deposits to total assets | 80.8384% | 5,445 |
| Equity capital to assets | 10.2925% | 3,768 |
| Core capital (leverage) ratio | 10.5755% | 2,679 |
| Tier 1 risk-based capital ratio | 10.2654% | 6,631 |
| Total risk-based capital ratio | 11.3572% | 6,645 |
| Memoranda: | ||
| Average total assets | $92,614,400 | 5,007 |
| Average earning assets | $86,248,000 | 4,956 |
| Average equity | $9,569,000 | 5,085 |
| Average total loans | $66,418,600 | 4,483 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0594% | 1,536 |
| Cost of funding earning assets | 0.9948% | 1,593 |
| Net interest margin | 4.0646% | 2,234 |
| Noninterest income to average assets | 0.4108% | 4,547 |
| Noninterest expense to average assets | 2.1675% | 6,024 |
| Loan and lease loss provision to assets | 1.2731% | 279 |
| Net operating income to assets | 0.7735% | 3,583 |
| Return on assets (ROA) | 1.0998% | 2,284 |
| Pretax return on assets | 1.0998% | 3,351 |
| Return on Equity (ROE) | 10.6334% | 2,085 |
| Retained earnings to average equity (ytd only) | 4.8590% | 3,469 |
| Net charge-offs to loans | 0.2221% | 3,390 |
| Credit loss provision to net charge-offs | 794.5455% | 352 |
| Earnings coverage of net charge-offs (x) | 12.7730% | 1,973 |
| Efficiency ratio | 51.4345% | 6,499 |
| Assets per employee ($millions) | 3.7815% | 4,345 |
| Cash dividends to net income (ytd only)* | 54.3044% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3862% | 1,385 |
| Loan loss allowance to noncurrent loans | 126.4093% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 1.5151% | 3,313 |
| Noncurrent loans to loans | 1.8876% | 2,975 |
| Net loans and leases to total assets | 73.7888% | 1,277 |
| Net loans and leases to deposits | 93.0925% | 866 |
| Net loans and leases to core deposits | 99.8703% | 1,130 |
| Total domestic deposits to total assets | 79.2640% | 5,809 |
| Equity capital to assets | 10.7091% | 3,600 |
| Core capital (leverage) ratio | 10.5260% | 2,880 |
| Tier 1 risk-based capital ratio | 10.1246% | 6,770 |
| Total risk-based capital ratio | 11.2282% | 6,782 |
| Memoranda: | ||
| Average total assets | $91,532,000 | 5,087 |
| Average earning assets | $85,647,000 | 5,032 |
| Average equity | $9,466,750 | 5,163 |
| Average total loans | $66,034,000 | 4,547 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0543% | 1,650 |
| Cost of funding earning assets | 1.0165% | 1,668 |
| Net interest margin | 4.0378% | 2,351 |
| Noninterest income to average assets | 0.4271% | 4,457 |
| Noninterest expense to average assets | 2.1680% | 6,083 |
| Loan and lease loss provision to assets | 1.5383% | 226 |
| Net operating income to assets | 0.4772% | 4,923 |
| Return on assets (ROA) | 0.9217% | 3,067 |
| Pretax return on assets | 0.9217% | 3,999 |
| Return on Equity (ROE) | 9.0166% | 2,806 |
| Retained earnings to average equity (ytd only) | 2.4087% | 4,987 |
| Net charge-offs to loans | 0.3590% | 2,578 |
| Credit loss provision to net charge-offs | 603.4188% | 517 |
| Earnings coverage of net charge-offs (x) | 7.9060% | 2,396 |
| Efficiency ratio | 51.8229% | 6,517 |
| Assets per employee ($millions) | 3.5966% | 4,756 |
| Cash dividends to net income (ytd only)* | 73.2861% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1861% | 1,804 |
| Loan loss allowance to noncurrent loans | 148.4264% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 1.1844% | 4,041 |
| Noncurrent loans to loans | 1.4728% | 3,701 |
| Net loans and leases to total assets | 72.7523% | 1,432 |
| Net loans and leases to deposits | 91.8867% | 963 |
| Net loans and leases to core deposits | 98.6503% | 1,205 |
| Total domestic deposits to total assets | 79.1761% | 5,927 |
| Equity capital to assets | 10.5699% | 3,601 |
| Core capital (leverage) ratio | 10.4143% | 2,904 |
| Tier 1 risk-based capital ratio | 10.2017% | 6,773 |
| Total risk-based capital ratio | 11.3102% | 6,789 |
| Memoranda: | ||
| Average total assets | $91,791,000 | 5,113 |
| Average earning assets | $85,392,330 | 5,066 |
| Average equity | $9,382,670 | 5,188 |
| Average total loans | $65,177,330 | 4,601 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0875% | 1,617 |
| Cost of funding earning assets | 1.0370% | 1,761 |
| Net interest margin | 4.0505% | 2,300 |
| Noninterest income to average assets | 0.4443% | 4,330 |
| Noninterest expense to average assets | 2.0662% | 6,350 |
| Loan and lease loss provision to assets | 3.1619% | 67 |
| Net operating income to assets | -1.0267% | 6,995 |
| Return on assets (ROA) | -0.8325% | 6,978 |
| Pretax return on assets | -0.8325% | 6,939 |
| Return on Equity (ROE) | -8.2815% | 6,957 |
| Retained earnings to average equity (ytd only) | -12.5724% | 6,912 |
| Net charge-offs to loans | 0.5410% | 1,734 |
| Credit loss provision to net charge-offs | 842.5287% | 413 |
| Earnings coverage of net charge-offs (x) | 5.6897% | 2,314 |
| Efficiency ratio | 49.1786% | 6,728 |
| Assets per employee ($millions) | 3.7539% | 4,529 |
| Cash dividends to net income (ytd only)* | -51.8135% | 7,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4200% | 1,469 |
| Loan loss allowance to noncurrent loans | 284.9906% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.6848% | 5,190 |
| Noncurrent loans to loans | 0.8492% | 4,978 |
| Net loans and leases to total assets | 67.9842% | 2,124 |
| Net loans and leases to deposits | 83.0889% | 1,784 |
| Net loans and leases to core deposits | 89.5152% | 1,899 |
| Total domestic deposits to total assets | 81.8210% | 5,356 |
| Equity capital to assets | 10.1140% | 3,976 |
| Core capital (leverage) ratio | 9.6670% | 3,818 |
| Tier 1 risk-based capital ratio | 10.1876% | 6,833 |
| Total risk-based capital ratio | 11.2997% | 6,862 |
| Memoranda: | ||
| Average total assets | $92,728,500 | 5,134 |
| Average earning assets | $86,014,500 | 5,082 |
| Average equity | $9,322,000 | 5,211 |
| Average total loans | $64,327,000 | 4,652 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2238% | 1,969 |
| Cost of funding earning assets | 1.1649% | 2,252 |
| Net interest margin | 4.0589% | 2,602 |
| Noninterest income to average assets | 0.3695% | 4,863 |
| Noninterest expense to average assets | 2.2046% | 6,259 |
| Loan and lease loss provision to assets | 0.3119% | 3,174 |
| Net operating income to assets | 1.6570% | 596 |
| Return on assets (ROA) | 1.8042% | 490 |
| Pretax return on assets | 1.8042% | 796 |
| Return on Equity (ROE) | 17.9010% | 390 |
| Retained earnings to average equity (ytd only) | 6.2560% | 1,876 |
| Net charge-offs to loans | 0.2880% | 3,973 |
| Credit loss provision to net charge-offs | 156.6667% | 1,792 |
| Earnings coverage of net charge-offs (x) | 9.8889% | 1,914 |
| Efficiency ratio | 52.8227% | 6,630 |
| Assets per employee ($millions) | 4.1463% | 3,558 |
| Cash dividends to net income (ytd only)* | 65.0521% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 4,784 |
| Loan loss allowance to noncurrent loans | 289.0728% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.4048% | 5,959 |
| Noncurrent loans to loans | 0.4584% | 5,793 |
| Net loans and leases to total assets | 68.1735% | 2,362 |
| Net loans and leases to deposits | 82.8825% | 2,083 |
| Net loans and leases to core deposits | 89.8627% | 2,147 |
| Total domestic deposits to total assets | 82.2533% | 5,047 |
| Equity capital to assets | 9.9954% | 4,175 |
| Core capital (leverage) ratio | 10.2508% | 3,027 |
| Tier 1 risk-based capital ratio | 10.0696% | 6,840 |
| Total risk-based capital ratio | 11.0236% | 6,898 |
| Memoranda: | ||
| Average total assets | $90,402,600 | 5,170 |
| Average earning assets | $84,728,000 | 5,097 |
| Average equity | $9,111,200 | 5,251 |
| Average total loans | $62,510,000 | 4,776 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2534% | 2,015 |
| Cost of funding earning assets | 1.1953% | 2,343 |
| Net interest margin | 4.0580% | 2,659 |
| Noninterest income to average assets | 0.3619% | 4,975 |
| Noninterest expense to average assets | 2.1593% | 6,373 |
| Loan and lease loss provision to assets | 0.2422% | 3,584 |
| Net operating income to assets | 1.7780% | 541 |
| Return on assets (ROA) | 1.9470% | 423 |
| Pretax return on assets | 1.9470% | 696 |
| Return on Equity (ROE) | 19.2756% | 360 |
| Retained earnings to average equity (ytd only) | 13.2056% | 361 |
| Net charge-offs to loans | 0.1751% | 4,402 |
| Credit loss provision to net charge-offs | 200.0000% | 1,454 |
| Earnings coverage of net charge-offs (x) | 16.6786% | 1,389 |
| Efficiency ratio | 51.6637% | 6,712 |
| Assets per employee ($millions) | 3.8875% | 4,104 |
| Cash dividends to net income (ytd only)* | 31.4898% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 4,771 |
| Loan loss allowance to noncurrent loans | 171.0843% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.5570% | 5,716 |
| Noncurrent loans to loans | 0.7897% | 5,299 |
| Net loans and leases to total assets | 69.5760% | 2,165 |
| Net loans and leases to deposits | 86.3260% | 1,643 |
| Net loans and leases to core deposits | 94.9525% | 1,708 |
| Total domestic deposits to total assets | 80.5968% | 5,566 |
| Equity capital to assets | 10.9693% | 3,176 |
| Core capital (leverage) ratio | 10.7811% | 2,588 |
| Tier 1 risk-based capital ratio | 10.9443% | 6,577 |
| Total risk-based capital ratio | 11.9209% | 6,701 |
| Memoranda: | ||
| Average total assets | $89,162,250 | 5,244 |
| Average earning assets | $83,880,750 | 5,162 |
| Average equity | $9,006,000 | 5,306 |
| Average total loans | $61,666,000 | 4,844 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2374% | 2,109 |
| Cost of funding earning assets | 1.2136% | 2,484 |
| Net interest margin | 4.0238% | 2,719 |
| Noninterest income to average assets | 0.3525% | 5,071 |
| Noninterest expense to average assets | 2.1195% | 6,553 |
| Loan and lease loss provision to assets | 0.3323% | 2,785 |
| Net operating income to assets | 1.6974% | 605 |
| Return on assets (ROA) | 1.7872% | 554 |
| Pretax return on assets | 1.7872% | 905 |
| Return on Equity (ROE) | 18.2179% | 451 |
| Retained earnings to average equity (ytd only) | 11.1230% | 647 |
| Net charge-offs to loans | 0.3529% | 3,143 |
| Credit loss provision to net charge-offs | 137.0370% | 2,227 |
| Earnings coverage of net charge-offs (x) | 8.3704% | 2,073 |
| Efficiency ratio | 51.0823% | 6,866 |
| Assets per employee ($millions) | 3.7847% | 4,241 |
| Cash dividends to net income (ytd only)* | 38.9447% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 5,001 |
| Loan loss allowance to noncurrent loans | 171.4588% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.5974% | 5,725 |
| Noncurrent loans to loans | 0.7654% | 5,378 |
| Net loans and leases to total assets | 70.0617% | 2,206 |
| Net loans and leases to deposits | 86.7984% | 1,679 |
| Net loans and leases to core deposits | 93.7714% | 1,923 |
| Total domestic deposits to total assets | 80.7178% | 5,617 |
| Equity capital to assets | 10.5469% | 3,448 |
| Core capital (leverage) ratio | 10.4259% | 2,792 |
| Tier 1 risk-based capital ratio | 10.7519% | 6,685 |
| Total risk-based capital ratio | 11.7053% | 6,807 |
| Memoranda: | ||
| Average total assets | $89,078,670 | 5,285 |
| Average earning assets | $84,049,670 | 5,196 |
| Average equity | $8,738,670 | 5,397 |
| Average total loans | $61,200,670 | 4,900 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1857% | 2,275 |
| Cost of funding earning assets | 1.2447% | 2,538 |
| Net interest margin | 3.9409% | 2,950 |
| Noninterest income to average assets | 0.3507% | 5,092 |
| Noninterest expense to average assets | 2.1267% | 6,577 |
| Loan and lease loss provision to assets | 0.2930% | 2,810 |
| Net operating income to assets | 1.6561% | 619 |
| Return on assets (ROA) | 1.8514% | 469 |
| Pretax return on assets | 1.8514% | 737 |
| Return on Equity (ROE) | 19.5832% | 358 |
| Retained earnings to average equity (ytd only) | 14.4174% | 442 |
| Net charge-offs to loans | 0.3284% | 2,741 |
| Credit loss provision to net charge-offs | 132.0000% | 2,100 |
| Earnings coverage of net charge-offs (x) | 8.7800% | 1,789 |
| Efficiency ratio | 52.1786% | 6,840 |
| Assets per employee ($millions) | 4.0482% | 3,743 |
| Cash dividends to net income (ytd only)* | 26.3789% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 5,071 |
| Loan loss allowance to noncurrent loans | 226.8012% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.4177% | 6,162 |
| Noncurrent loans to loans | 0.5787% | 5,869 |
| Net loans and leases to total assets | 66.4417% | 2,893 |
| Net loans and leases to deposits | 80.5491% | 2,603 |
| Net loans and leases to core deposits | 88.7298% | 2,515 |
| Total domestic deposits to total assets | 82.4860% | 5,113 |
| Equity capital to assets | 9.7530% | 4,105 |
| Core capital (leverage) ratio | 9.8516% | 3,333 |
| Tier 1 risk-based capital ratio | 11.4539% | 6,141 |
| Total risk-based capital ratio | 12.4600% | 6,312 |
| Memoranda: | ||
| Average total assets | $90,093,500 | 5,287 |
| Average earning assets | $85,158,000 | 5,182 |
| Average equity | $8,517,500 | 5,455 |
| Average total loans | $60,901,500 | 4,967 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1814% | 3,696 |
| Cost of funding earning assets | 1.5387% | 2,413 |
| Net interest margin | 3.6427% | 4,609 |
| Noninterest income to average assets | 0.3594% | 5,236 |
| Noninterest expense to average assets | 2.1448% | 6,743 |
| Loan and lease loss provision to assets | 0.5443% | 2,968 |
| Net operating income to assets | 1.1256% | 1,623 |
| Return on assets (ROA) | 1.1984% | 1,498 |
| Pretax return on assets | 1.1984% | 2,230 |
| Return on Equity (ROE) | 12.0913% | 1,301 |
| Retained earnings to average equity (ytd only) | 1.9122% | 4,524 |
| Net charge-offs to loans | 0.6955% | 2,922 |
| Credit loss provision to net charge-offs | 112.9496% | 3,863 |
| Earnings coverage of net charge-offs (x) | 3.4652% | 3,344 |
| Efficiency ratio | 56.2254% | 6,572 |
| Assets per employee ($millions) | 4.1421% | 3,494 |
| Cash dividends to net income (ytd only)* | 84.1851% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 5,291 |
| Loan loss allowance to noncurrent loans | 266.7820% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.3446% | 6,396 |
| Noncurrent loans to loans | 0.4673% | 6,110 |
| Net loans and leases to total assets | 67.0186% | 3,219 |
| Net loans and leases to deposits | 81.0769% | 2,974 |
| Net loans and leases to core deposits | 89.0198% | 2,898 |
| Total domestic deposits to total assets | 82.6605% | 4,943 |
| Equity capital to assets | 9.1619% | 4,897 |
| Core capital (leverage) ratio | 9.7965% | 3,320 |
| Tier 1 risk-based capital ratio | 10.6438% | 6,606 |
| Total risk-based capital ratio | 11.5950% | 6,773 |
| Memoranda: | ||
| Average total assets | $86,533,200 | 5,394 |
| Average earning assets | $82,081,400 | 5,271 |
| Average equity | $8,576,400 | 5,532 |
| Average total loans | $59,952,600 | 5,072 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1569% | 4,041 |
| Cost of funding earning assets | 1.6178% | 2,289 |
| Net interest margin | 3.5391% | 5,144 |
| Noninterest income to average assets | 0.3373% | 5,462 |
| Noninterest expense to average assets | 2.0706% | 6,914 |
| Loan and lease loss provision to assets | 0.3560% | 3,766 |
| Net operating income to assets | 1.2789% | 1,384 |
| Return on assets (ROA) | 1.3819% | 1,225 |
| Pretax return on assets | 1.3819% | 1,936 |
| Return on Equity (ROE) | 13.6677% | 1,105 |
| Retained earnings to average equity (ytd only) | 7.4902% | 1,599 |
| Net charge-offs to loans | 0.3900% | 3,727 |
| Credit loss provision to net charge-offs | 131.0345% | 3,080 |
| Earnings coverage of net charge-offs (x) | 6.0174% | 2,615 |
| Efficiency ratio | 55.8786% | 6,577 |
| Assets per employee ($millions) | 3.8476% | 4,155 |
| Cash dividends to net income (ytd only)* | 45.1978% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 5,149 |
| Loan loss allowance to noncurrent loans | 107.9832% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.8943% | 5,312 |
| Noncurrent loans to loans | 1.1697% | 4,911 |
| Net loans and leases to total assets | 71.2004% | 2,436 |
| Net loans and leases to deposits | 86.8417% | 2,174 |
| Net loans and leases to core deposits | 95.5362% | 2,316 |
| Total domestic deposits to total assets | 81.9887% | 4,997 |
| Equity capital to assets | 10.7340% | 3,247 |
| Core capital (leverage) ratio | 10.5328% | 2,652 |
| Tier 1 risk-based capital ratio | 11.9665% | 5,495 |
| Total risk-based capital ratio | 12.9987% | 5,657 |
| Memoranda: | ||
| Average total assets | $85,384,750 | 5,489 |
| Average earning assets | $81,260,500 | 5,364 |
| Average equity | $8,633,250 | 5,590 |
| Average total loans | $59,480,000 | 5,170 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2341% | 3,787 |
| Cost of funding earning assets | 1.6825% | 2,208 |
| Net interest margin | 3.5516% | 5,040 |
| Noninterest income to average assets | 0.3947% | 4,949 |
| Noninterest expense to average assets | 2.0787% | 6,963 |
| Loan and lease loss provision to assets | 0.4134% | 3,251 |
| Net operating income to assets | 1.2799% | 1,358 |
| Return on assets (ROA) | 1.2869% | 1,397 |
| Pretax return on assets | 1.2869% | 2,133 |
| Return on Equity (ROE) | 12.9917% | 1,242 |
| Retained earnings to average equity (ytd only) | 5.9182% | 2,376 |
| Net charge-offs to loans | 0.5563% | 2,866 |
| Credit loss provision to net charge-offs | 107.9268% | 3,774 |
| Earnings coverage of net charge-offs (x) | 4.4207% | 2,956 |
| Efficiency ratio | 55.1084% | 6,747 |
| Assets per employee ($millions) | 3.6919% | 4,496 |
| Cash dividends to net income (ytd only)* | 54.4465% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 5,274 |
| Loan loss allowance to noncurrent loans | 117.1750% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.8256% | 5,471 |
| Noncurrent loans to loans | 1.0528% | 5,211 |
| Net loans and leases to total assets | 68.8316% | 3,163 |
| Net loans and leases to deposits | 84.3829% | 2,803 |
| Net loans and leases to core deposits | 92.9885% | 2,849 |
| Total domestic deposits to total assets | 81.5705% | 5,168 |
| Equity capital to assets | 10.2352% | 3,724 |
| Core capital (leverage) ratio | 10.1637% | 2,982 |
| Tier 1 risk-based capital ratio | 11.8583% | 5,437 |
| Total risk-based capital ratio | 12.8529% | 5,634 |
| Memoranda: | ||
| Average total assets | $85,630,670 | 5,516 |
| Average earning assets | $81,427,000 | 5,391 |
| Average equity | $8,482,330 | 5,642 |
| Average total loans | $58,960,000 | 5,228 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2172% | 3,931 |
| Cost of funding earning assets | 1.7620% | 2,057 |
| Net interest margin | 3.4552% | 5,353 |
| Noninterest income to average assets | 0.4187% | 4,746 |
| Noninterest expense to average assets | 2.1212% | 6,884 |
| Loan and lease loss provision to assets | 0.7071% | 1,800 |
| Net operating income to assets | 0.8652% | 2,692 |
| Return on assets (ROA) | 1.0141% | 2,197 |
| Pretax return on assets | 1.0141% | 3,037 |
| Return on Equity (ROE) | 10.4082% | 1,981 |
| Retained earnings to average equity (ytd only) | 5.6338% | 2,794 |
| Net charge-offs to loans | 0.5505% | 2,429 |
| Credit loss provision to net charge-offs | 187.6543% | 1,948 |
| Earnings coverage of net charge-offs (x) | 4.1728% | 2,685 |
| Efficiency ratio | 57.4307% | 6,574 |
| Assets per employee ($millions) | 3.6700% | 4,650 |
| Cash dividends to net income (ytd only)* | 45.8716% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3385% | 4,745 |
| Loan loss allowance to noncurrent loans | 73.2342% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 1.3446% | 4,504 |
| Noncurrent loans to loans | 1.8277% | 4,023 |
| Net loans and leases to total assets | 68.8118% | 3,198 |
| Net loans and leases to deposits | 84.8685% | 2,789 |
| Net loans and leases to core deposits | 92.6838% | 3,015 |
| Total domestic deposits to total assets | 81.0804% | 5,432 |
| Equity capital to assets | 10.0166% | 3,849 |
| Core capital (leverage) ratio | 9.9082% | 3,278 |
| Tier 1 risk-based capital ratio | 11.7955% | 5,402 |
| Total risk-based capital ratio | 12.8768% | 5,513 |
| Memoranda: | ||
| Average total assets | $85,989,500 | 5,573 |
| Average earning assets | $81,499,500 | 5,456 |
| Average equity | $8,378,000 | 5,719 |
| Average total loans | $58,851,500 | 5,302 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8595% | 2,411 |
| Cost of funding earning assets | 2.1165% | 2,386 |
| Net interest margin | 3.7429% | 3,941 |
| Noninterest income to average assets | 0.3588% | 5,526 |
| Noninterest expense to average assets | 2.2934% | 6,764 |
| Loan and lease loss provision to assets | 0.5056% | 3,848 |
| Net operating income to assets | 1.0811% | 1,566 |
| Return on assets (ROA) | 1.2099% | 1,270 |
| Pretax return on assets | 1.2099% | 1,925 |
| Return on Equity (ROE) | 12.2340% | 1,103 |
| Retained earnings to average equity (ytd only) | 2.3859% | 3,453 |
| Net charge-offs to loans | 0.6931% | 3,107 |
| Credit loss provision to net charge-offs | 106.5990% | 5,198 |
| Earnings coverage of net charge-offs (x) | 3.3452% | 3,383 |
| Efficiency ratio | 59.1064% | 6,608 |
| Assets per employee ($millions) | 3.8073% | 4,272 |
| Cash dividends to net income (ytd only)* | 80.4975% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2187% | 5,249 |
| Loan loss allowance to noncurrent loans | 111.1628% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.8039% | 5,496 |
| Noncurrent loans to loans | 1.0964% | 5,131 |
| Net loans and leases to total assets | 66.3637% | 4,063 |
| Net loans and leases to deposits | 82.8071% | 3,484 |
| Net loans and leases to core deposits | 115.0955% | 2,407 |
| Total domestic deposits to total assets | 80.1425% | 5,632 |
| Equity capital to assets | 9.4794% | 4,438 |
| Core capital (leverage) ratio | 10.1269% | 2,972 |
| Tier 1 risk-based capital ratio | 11.5736% | 5,325 |
| Total risk-based capital ratio | 12.5531% | 5,561 |
| Memoranda: | ||
| Average total assets | $83,065,600 | 5,628 |
| Average earning assets | $78,147,200 | 5,522 |
| Average equity | $8,214,800 | 5,862 |
| Average total loans | $56,843,200 | 5,388 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9522% | 2,221 |
| Cost of funding earning assets | 2.2049% | 2,393 |
| Net interest margin | 3.7474% | 3,877 |
| Noninterest income to average assets | 0.3547% | 5,658 |
| Noninterest expense to average assets | 2.2471% | 6,846 |
| Loan and lease loss provision to assets | 0.4930% | 3,438 |
| Net operating income to assets | 1.1406% | 1,609 |
| Return on assets (ROA) | 1.2838% | 1,333 |
| Pretax return on assets | 1.2838% | 1,996 |
| Return on Equity (ROE) | 12.8395% | 1,139 |
| Retained earnings to average equity (ytd only) | 6.1675% | 1,870 |
| Net charge-offs to loans | 0.8329% | 2,297 |
| Credit loss provision to net charge-offs | 86.0795% | 5,589 |
| Earnings coverage of net charge-offs (x) | 2.8523% | 3,797 |
| Efficiency ratio | 57.9036% | 6,728 |
| Assets per employee ($millions) | 3.5488% | 4,813 |
| Cash dividends to net income (ytd only)* | 51.9644% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1021% | 5,711 |
| Loan loss allowance to noncurrent loans | 88.4298% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.9961% | 5,080 |
| Noncurrent loans to loans | 1.2462% | 4,860 |
| Net loans and leases to total assets | 70.5851% | 3,365 |
| Net loans and leases to deposits | 90.1584% | 2,548 |
| Net loans and leases to core deposits | 130.2195% | 1,423 |
| Total domestic deposits to total assets | 78.2902% | 6,004 |
| Equity capital to assets | 10.5535% | 3,454 |
| Core capital (leverage) ratio | 10.6526% | 2,666 |
| Tier 1 risk-based capital ratio | 12.1415% | 4,846 |
| Total risk-based capital ratio | 13.0406% | 5,106 |
| Memoranda: | ||
| Average total assets | $81,939,750 | 5,693 |
| Average earning assets | $77,100,750 | 5,588 |
| Average equity | $8,193,250 | 5,917 |
| Average total loans | $56,346,250 | 5,447 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9655% | 2,323 |
| Cost of funding earning assets | 2.2760% | 2,459 |
| Net interest margin | 3.6894% | 3,996 |
| Noninterest income to average assets | 0.3169% | 5,973 |
| Noninterest expense to average assets | 2.2110% | 7,028 |
| Loan and lease loss provision to assets | 0.4510% | 3,282 |
| Net operating income to assets | 1.1165% | 1,719 |
| Return on assets (ROA) | 1.2335% | 1,474 |
| Pretax return on assets | 1.2335% | 2,209 |
| Return on Equity (ROE) | 12.5667% | 1,268 |
| Retained earnings to average equity (ytd only) | 4.8678% | 2,578 |
| Net charge-offs to loans | 1.1057% | 1,638 |
| Credit loss provision to net charge-offs | 60.0649% | 5,587 |
| Earnings coverage of net charge-offs (x) | 2.0877% | 4,036 |
| Efficiency ratio | 58.5161% | 6,767 |
| Assets per employee ($millions) | 3.7065% | 4,305 |
| Cash dividends to net income (ytd only)* | 61.2648% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0110% | 6,146 |
| Loan loss allowance to noncurrent loans | 107.7799% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.8082% | 5,372 |
| Noncurrent loans to loans | 0.9380% | 5,346 |
| Net loans and leases to total assets | 68.2053% | 4,122 |
| Net loans and leases to deposits | 86.5497% | 3,453 |
| Net loans and leases to core deposits | 122.5778% | 2,147 |
| Total domestic deposits to total assets | 78.8048% | 5,861 |
| Equity capital to assets | 10.0047% | 3,933 |
| Core capital (leverage) ratio | 10.2792% | 3,014 |
| Tier 1 risk-based capital ratio | 12.1940% | 4,761 |
| Total risk-based capital ratio | 13.0128% | 5,055 |
| Memoranda: | ||
| Average total assets | $82,045,670 | 5,730 |
| Average earning assets | $76,976,330 | 5,635 |
| Average equity | $8,053,000 | 6,004 |
| Average total loans | $55,710,000 | 5,522 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9587% | 2,532 |
| Cost of funding earning assets | 2.3511% | 2,502 |
| Net interest margin | 3.6075% | 4,287 |
| Noninterest income to average assets | 0.4034% | 5,188 |
| Noninterest expense to average assets | 2.2504% | 6,691 |
| Loan and lease loss provision to assets | 0.2819% | 3,703 |
| Net operating income to assets | 1.2345% | 1,544 |
| Return on assets (ROA) | 1.2977% | 1,484 |
| Pretax return on assets | 1.2977% | 2,294 |
| Return on Equity (ROE) | 13.3492% | 1,308 |
| Retained earnings to average equity (ytd only) | 2.8498% | 4,286 |
| Net charge-offs to loans | 1.3340% | 1,055 |
| Credit loss provision to net charge-offs | 31.3514% | 4,934 |
| Earnings coverage of net charge-offs (x) | 1.6865% | 3,884 |
| Efficiency ratio | 59.7419% | 6,440 |
| Assets per employee ($millions) | 3.9394% | 3,792 |
| Cash dividends to net income (ytd only)* | 78.6517% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 5,851 |
| Loan loss allowance to noncurrent loans | 74.0157% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 1.1544% | 4,363 |
| Noncurrent loans to loans | 1.4093% | 4,197 |
| Net loans and leases to total assets | 64.6758% | 4,862 |
| Net loans and leases to deposits | 81.0485% | 4,442 |
| Net loans and leases to core deposits | 115.3224% | 2,872 |
| Total domestic deposits to total assets | 79.7989% | 5,428 |
| Equity capital to assets | 9.7077% | 4,375 |
| Core capital (leverage) ratio | 10.1718% | 3,223 |
| Tier 1 risk-based capital ratio | 12.1350% | 4,836 |
| Total risk-based capital ratio | 12.9573% | 5,120 |
| Memoranda: | ||
| Average total assets | $82,297,500 | 5,727 |
| Average earning assets | $76,728,500 | 5,666 |
| Average equity | $8,000,500 | 6,064 |
| Average total loans | $55,473,000 | 5,565 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9472% | 1,263 |
| Cost of funding earning assets | 2.8545% | 2,463 |
| Net interest margin | 4.0926% | 2,743 |
| Noninterest income to average assets | 0.4569% | 4,989 |
| Noninterest expense to average assets | 2.2170% | 6,924 |
| Loan and lease loss provision to assets | 0.0999% | 6,102 |
| Net operating income to assets | 1.9241% | 414 |
| Return on assets (ROA) | 0.4781% | 4,656 |
| Pretax return on assets | 0.4856% | 5,011 |
| Return on Equity (ROE) | 4.5085% | 4,599 |
| Retained earnings to average equity (ytd only) | -5.7210% | 6,626 |
| Net charge-offs to loans | 0.1351% | 4,871 |
| Credit loss provision to net charge-offs | 106.6667% | 5,030 |
| Earnings coverage of net charge-offs (x) | 22.0133% | 1,499 |
| Efficiency ratio | 51.8238% | 7,508 |
| Assets per employee ($millions) | 3.7212% | 4,128 |
| Cash dividends to net income (ytd only)* | 226.8930% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 4,421 |
| Loan loss allowance to noncurrent loans | 197.4286% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.6804% | 5,184 |
| Noncurrent loans to loans | 0.6154% | 5,521 |
| Net loans and leases to total assets | 68.6308% | 4,340 |
| Net loans and leases to deposits | 84.9206% | 4,266 |
| Net loans and leases to core deposits | 123.5536% | 2,351 |
| Total domestic deposits to total assets | 80.8177% | 4,730 |
| Equity capital to assets | 9.7353% | 4,385 |
| Core capital (leverage) ratio | 10.2921% | 3,178 |
| Tier 1 risk-based capital ratio | 11.5732% | 5,173 |
| Total risk-based capital ratio | 12.5415% | 5,341 |
| Memoranda: | ||
| Average total assets | $80,109,600 | 5,703 |
| Average earning assets | $74,793,200 | 5,633 |
| Average equity | $8,495,000 | 5,907 |
| Average total loans | $55,525,400 | 5,469 |