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 | 5.8620% | 757 |
| Cost of funding earning assets | 0.6038% | 4,067 |
| Net interest margin | 5.2582% | 250 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.5529% | 2,147 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 2.6051% | 223 |
| Return on assets (ROA) | 2.5611% | 223 |
| Pretax return on assets | 2.7357% | 270 |
| Return on Equity (ROE) | 26.4500% | 268 |
| Retained earnings to average equity (ytd only) | 15.6721% | 285 |
| Net charge-offs to loans | 0.0212% | 1,916 |
| Credit loss provision to net charge-offs | 1,247.6190% | 339 |
| Earnings coverage of net charge-offs (x) | 222.0000% | 548 |
| Efficiency ratio | 46.4076% | 4,180 |
| Assets per employee ($millions) | 6.2446% | 2,594 |
| Cash dividends to net income (ytd only)* | 40.7407% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4452% | 1,219 |
| Loan loss allowance to noncurrent loans | 283.7429% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.3530% | 1,552 |
| Noncurrent loans to loans | 0.5093% | 1,509 |
| Net loans and leases to total assets | 68.3000% | 2,000 |
| Net loans and leases to deposits | 77.2370% | 2,335 |
| Net loans and leases to core deposits | 77.9843% | 2,836 |
| Total domestic deposits to total assets | 88.4300% | 1,225 |
| Equity capital to assets | 10.8573% | 1,552 |
| Core capital (leverage) ratio | 12.2922% | 1,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4192% | 845 |
| Memoranda: | ||
| Average total assets | $158,133,600 | 3,293 |
| Average earning assets | $153,036,200 | 3,224 |
| Average equity | $15,313,800 | 3,241 |
| Average total loans | $99,015,800 | 3,188 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7706% | 716 |
| Cost of funding earning assets | 0.5200% | 4,104 |
| Net interest margin | 5.2506% | 241 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.3570% | 2,635 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 2.7665% | 209 |
| Return on assets (ROA) | 2.7665% | 208 |
| Pretax return on assets | 3.0178% | 229 |
| Return on Equity (ROE) | 29.4000% | 239 |
| Retained earnings to average equity (ytd only) | 20.2548% | 249 |
| Net charge-offs to loans | 0.0600% | 1,068 |
| Credit loss provision to net charge-offs | 313.6364% | 854 |
| Earnings coverage of net charge-offs (x) | 85.5455% | 1,004 |
| Efficiency ratio | 42.9351% | 4,276 |
| Assets per employee ($millions) | 6.3929% | 2,413 |
| Cash dividends to net income (ytd only)* | 31.1071% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2743% | 1,992 |
| Loan loss allowance to noncurrent loans | 270.2595% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.3265% | 1,718 |
| Noncurrent loans to loans | 0.4715% | 1,646 |
| Net loans and leases to total assets | 68.3700% | 2,007 |
| Net loans and leases to deposits | 76.7827% | 2,357 |
| Net loans and leases to core deposits | 77.5329% | 2,768 |
| Total domestic deposits to total assets | 89.0500% | 1,228 |
| Equity capital to assets | 10.2698% | 1,663 |
| Core capital (leverage) ratio | 12.0817% | 1,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7648% | 982 |
| Memoranda: | ||
| Average total assets | $160,199,250 | 3,290 |
| Average earning assets | $155,127,500 | 3,215 |
| Average equity | $15,074,250 | 3,249 |
| Average total loans | $97,803,750 | 3,202 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6660% | 672 |
| Cost of funding earning assets | 0.4587% | 4,064 |
| Net interest margin | 5.2072% | 239 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.3231% | 2,732 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 2.7306% | 193 |
| Return on assets (ROA) | 2.7306% | 191 |
| Pretax return on assets | 3.0408% | 198 |
| Return on Equity (ROE) | 29.8800% | 211 |
| Retained earnings to average equity (ytd only) | 15.9497% | 478 |
| Net charge-offs to loans | 0.0990% | 683 |
| Credit loss provision to net charge-offs | 159.5745% | 1,160 |
| Earnings coverage of net charge-offs (x) | 54.1489% | 1,244 |
| Efficiency ratio | 42.5767% | 4,314 |
| Assets per employee ($millions) | 6.6710% | 2,152 |
| Cash dividends to net income (ytd only)* | 46.6186% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2657% | 2,096 |
| Loan loss allowance to noncurrent loans | 270.2306% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.2979% | 1,723 |
| Noncurrent loans to loans | 0.4684% | 1,540 |
| Net loans and leases to total assets | 62.8000% | 2,500 |
| Net loans and leases to deposits | 69.8703% | 2,795 |
| Net loans and leases to core deposits | 70.5181% | 3,097 |
| Total domestic deposits to total assets | 89.8900% | 951 |
| Equity capital to assets | 9.4344% | 2,209 |
| Core capital (leverage) ratio | 10.9960% | 1,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5485% | 1,026 |
| Memoranda: | ||
| Average total assets | $162,455,667 | 3,268 |
| Average earning assets | $157,396,333 | 3,207 |
| Average equity | $14,846,667 | 3,285 |
| Average total loans | $94,986,333 | 3,233 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3827% | 744 |
| Cost of funding earning assets | 0.3758% | 4,022 |
| Net interest margin | 5.0069% | 300 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.3174% | 2,771 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 2.3687% | 291 |
| Return on assets (ROA) | 2.3687% | 288 |
| Pretax return on assets | 2.8308% | 247 |
| Return on Equity (ROE) | 26.3400% | 348 |
| Retained earnings to average equity (ytd only) | 26.3360% | 154 |
| Net charge-offs to loans | 0.0481% | 883 |
| Credit loss provision to net charge-offs | 336.3636% | 654 |
| Earnings coverage of net charge-offs (x) | 108.6364% | 746 |
| Efficiency ratio | 44.2371% | 4,295 |
| Assets per employee ($millions) | 7.0535% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 1,708 |
| Loan loss allowance to noncurrent loans | 161.6834% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.4907% | 1,052 |
| Noncurrent loans to loans | 0.8518% | 901 |
| Net loans and leases to total assets | 56.8100% | 2,978 |
| Net loans and leases to deposits | 63.0670% | 3,162 |
| Net loans and leases to core deposits | 63.7682% | 3,363 |
| Total domestic deposits to total assets | 90.0800% | 1,133 |
| Equity capital to assets | 9.3127% | 2,289 |
| Core capital (leverage) ratio | 10.7180% | 2,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6854% | 885 |
| Memoranda: | ||
| Average total assets | $163,631,000 | 3,305 |
| Average earning assets | $158,581,500 | 3,244 |
| Average equity | $14,717,500 | 3,330 |
| Average total loans | $91,559,500 | 3,309 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2478% | 1,161 |
| Cost of funding earning assets | 0.2777% | 3,065 |
| Net interest margin | 3.9701% | 825 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.1320% | 3,210 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 2.0009% | 300 |
| Return on assets (ROA) | 2.0009% | 287 |
| Pretax return on assets | 2.0009% | 479 |
| Return on Equity (ROE) | 24.1700% | 240 |
| Retained earnings to average equity (ytd only) | 16.4746% | 203 |
| Net charge-offs to loans | 0.1093% | 687 |
| Credit loss provision to net charge-offs | 214.8936% | 1,072 |
| Earnings coverage of net charge-offs (x) | 37.5319% | 1,542 |
| Efficiency ratio | 50.1131% | 4,122 |
| Assets per employee ($millions) | 7.1753% | 1,845 |
| Cash dividends to net income (ytd only)* | 31.8400% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4063% | 1,476 |
| Loan loss allowance to noncurrent loans | 174.1713% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.4387% | 1,166 |
| Noncurrent loans to loans | 0.8074% | 918 |
| Net loans and leases to total assets | 53.5700% | 3,234 |
| Net loans and leases to deposits | 59.0557% | 3,392 |
| Net loans and leases to core deposits | 60.0000% | 3,506 |
| Total domestic deposits to total assets | 90.7100% | 1,054 |
| Equity capital to assets | 8.6813% | 2,574 |
| Core capital (leverage) ratio | 9.8935% | 2,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4918% | 897 |
| Memoranda: | ||
| Average total assets | $166,229,000 | 3,293 |
| Average earning assets | $161,329,000 | 3,229 |
| Average equity | $13,760,600 | 3,495 |
| Average total loans | $86,022,600 | 3,334 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9494% | 1,361 |
| Cost of funding earning assets | 0.2499% | 2,708 |
| Net interest margin | 3.6996% | 1,136 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.0825% | 3,256 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.8895% | 354 |
| Return on assets (ROA) | 1.8895% | 347 |
| Pretax return on assets | 1.8895% | 598 |
| Return on Equity (ROE) | 23.1000% | 249 |
| Retained earnings to average equity (ytd only) | 15.1451% | 351 |
| Net charge-offs to loans | 0.0909% | 679 |
| Credit loss provision to net charge-offs | 68.9655% | 1,456 |
| Earnings coverage of net charge-offs (x) | 41.3793% | 1,373 |
| Efficiency ratio | 52.0096% | 4,006 |
| Assets per employee ($millions) | 7.7934% | 1,428 |
| Cash dividends to net income (ytd only)* | 34.4492% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 2,237 |
| Loan loss allowance to noncurrent loans | 155.2668% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 1,274 |
| Noncurrent loans to loans | 0.8087% | 986 |
| Net loans and leases to total assets | 52.0600% | 3,270 |
| Net loans and leases to deposits | 56.9198% | 3,409 |
| Net loans and leases to core deposits | 57.8059% | 3,516 |
| Total domestic deposits to total assets | 91.4600% | 1,064 |
| Equity capital to assets | 7.8394% | 2,994 |
| Core capital (leverage) ratio | 9.3687% | 3,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8822% | 1,013 |
| Memoranda: | ||
| Average total assets | $166,528,250 | 3,319 |
| Average earning assets | $161,672,750 | 3,253 |
| Average equity | $13,619,000 | 3,553 |
| Average total loans | $85,110,500 | 3,355 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7011% | 1,537 |
| Cost of funding earning assets | 0.2512% | 2,253 |
| Net interest margin | 3.4499% | 1,454 |
| Noninterest income to average assets | 0.4039% | 2,735 |
| Noninterest expense to average assets | 2.1118% | 3,119 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6411% | 495 |
| Return on assets (ROA) | 1.6411% | 488 |
| Pretax return on assets | 1.6411% | 865 |
| Return on Equity (ROE) | 19.7831% | 323 |
| Retained earnings to average equity (ytd only) | 7.8957% | 1,659 |
| Net charge-offs to loans | 0.0408% | 979 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 79.5882% | 935 |
| Efficiency ratio | 56.2702% | 3,750 |
| Assets per employee ($millions) | 7.5419% | 1,583 |
| Cash dividends to net income (ytd only)* | 60.0887% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 2,146 |
| Loan loss allowance to noncurrent loans | 162.0542% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.4225% | 1,343 |
| Noncurrent loans to loans | 0.8085% | 1,064 |
| Net loans and leases to total assets | 51.5730% | 3,207 |
| Net loans and leases to deposits | 56.2453% | 3,358 |
| Net loans and leases to core deposits | 57.1582% | 3,480 |
| Total domestic deposits to total assets | 91.6931% | 966 |
| Equity capital to assets | 7.6331% | 3,385 |
| Core capital (leverage) ratio | 8.8873% | 3,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8070% | 1,023 |
| Memoranda: | ||
| Average total assets | $164,886,333 | 3,368 |
| Average earning assets | $160,061,667 | 3,311 |
| Average equity | $13,678,333 | 3,618 |
| Average total loans | $83,350,000 | 3,405 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5578% | 1,633 |
| Cost of funding earning assets | 0.2531% | 2,122 |
| Net interest margin | 3.3047% | 1,554 |
| Noninterest income to average assets | 0.3602% | 2,933 |
| Noninterest expense to average assets | 2.1075% | 3,118 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4626% | 687 |
| Return on assets (ROA) | 1.4626% | 685 |
| Pretax return on assets | 1.4626% | 1,096 |
| Return on Equity (ROE) | 16.9475% | 429 |
| Retained earnings to average equity (ytd only) | 16.9475% | 183 |
| Net charge-offs to loans | -0.0539% | 4,283 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0320% | 3,582 |
| Assets per employee ($millions) | 7.6252% | 1,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4123% | 1,862 |
| Loan loss allowance to noncurrent loans | 189.5765% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.3660% | 1,648 |
| Noncurrent loans to loans | 0.7450% | 1,276 |
| Net loans and leases to total assets | 48.4370% | 3,339 |
| Net loans and leases to deposits | 53.1888% | 3,478 |
| Net loans and leases to core deposits | 53.9570% | 3,595 |
| Total domestic deposits to total assets | 91.0661% | 1,001 |
| Equity capital to assets | 8.2979% | 3,323 |
| Core capital (leverage) ratio | 9.1761% | 3,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7642% | 930 |
| Memoranda: | ||
| Average total assets | $164,368,500 | 3,388 |
| Average earning assets | $159,649,000 | 3,330 |
| Average equity | $14,185,000 | 3,636 |
| Average total loans | $81,671,500 | 3,438 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0474% | 1,250 |
| Cost of funding earning assets | 0.3237% | 2,168 |
| Net interest margin | 3.7236% | 1,157 |
| Noninterest income to average assets | 0.3824% | 3,153 |
| Noninterest expense to average assets | 2.2265% | 2,996 |
| Loan and lease loss provision to assets | 0.0596% | 1,867 |
| Net operating income to assets | 1.6937% | 638 |
| Return on assets (ROA) | 1.6937% | 664 |
| Pretax return on assets | 1.6937% | 1,165 |
| Return on Equity (ROE) | 18.5196% | 420 |
| Retained earnings to average equity (ytd only) | 13.3463% | 363 |
| Net charge-offs to loans | -0.0692% | 4,453 |
| Credit loss provision to net charge-offs | -166.6667% | 3,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9441% | 3,711 |
| Assets per employee ($millions) | 7.3174% | 1,713 |
| Cash dividends to net income (ytd only)* | 27.9343% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4248% | 1,823 |
| Loan loss allowance to noncurrent loans | 189.0164% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.3789% | 1,711 |
| Noncurrent loans to loans | 0.7538% | 1,351 |
| Net loans and leases to total assets | 49.5524% | 3,341 |
| Net loans and leases to deposits | 54.8119% | 3,531 |
| Net loans and leases to core deposits | 55.6415% | 3,649 |
| Total domestic deposits to total assets | 90.4046% | 763 |
| Equity capital to assets | 8.9761% | 3,645 |
| Core capital (leverage) ratio | 9.0727% | 3,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,908,000 | 3,475 |
| Average earning assets | $145,799,000 | 3,415 |
| Average equity | $13,801,600 | 3,762 |
| Average total loans | $77,991,400 | 3,512 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1769% | 1,140 |
| Cost of funding earning assets | 0.3419% | 2,192 |
| Net interest margin | 3.8350% | 1,052 |
| Noninterest income to average assets | 0.3828% | 3,191 |
| Noninterest expense to average assets | 2.2517% | 2,886 |
| Loan and lease loss provision to assets | 0.0809% | 1,469 |
| Net operating income to assets | 1.7494% | 744 |
| Return on assets (ROA) | 1.7494% | 778 |
| Pretax return on assets | 1.7494% | 1,281 |
| Return on Equity (ROE) | 19.0325% | 515 |
| Retained earnings to average equity (ytd only) | 13.2553% | 602 |
| Net charge-offs to loans | -0.1104% | 4,647 |
| Credit loss provision to net charge-offs | -140.6250% | 3,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1618% | 3,635 |
| Assets per employee ($millions) | 7.0671% | 1,819 |
| Cash dividends to net income (ytd only)* | 30.3544% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4870% | 1,685 |
| Loan loss allowance to noncurrent loans | 329.4618% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.2270% | 2,643 |
| Noncurrent loans to loans | 0.4513% | 2,208 |
| Net loans and leases to total assets | 49.5559% | 3,465 |
| Net loans and leases to deposits | 55.0048% | 3,654 |
| Net loans and leases to core deposits | 55.8716% | 3,782 |
| Total domestic deposits to total assets | 90.0937% | 736 |
| Equity capital to assets | 9.1834% | 3,667 |
| Core capital (leverage) ratio | 9.1658% | 3,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,389,250 | 3,530 |
| Average earning assets | $143,134,000 | 3,477 |
| Average equity | $13,639,500 | 3,822 |
| Average total loans | $77,258,250 | 3,574 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2403% | 1,111 |
| Cost of funding earning assets | 0.3638% | 2,193 |
| Net interest margin | 3.8765% | 1,014 |
| Noninterest income to average assets | 0.3917% | 3,143 |
| Noninterest expense to average assets | 2.2708% | 2,849 |
| Loan and lease loss provision to assets | 0.0918% | 1,362 |
| Net operating income to assets | 1.7654% | 770 |
| Return on assets (ROA) | 1.7654% | 811 |
| Pretax return on assets | 1.7654% | 1,313 |
| Return on Equity (ROE) | 19.2006% | 523 |
| Retained earnings to average equity (ytd only) | 10.3972% | 1,286 |
| Net charge-offs to loans | -0.1014% | 4,630 |
| Credit loss provision to net charge-offs | -171.7949% | 3,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0100% | 3,675 |
| Assets per employee ($millions) | 6.5372% | 2,135 |
| Cash dividends to net income (ytd only)* | 45.8495% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4507% | 1,764 |
| Loan loss allowance to noncurrent loans | 272.8606% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.2747% | 2,556 |
| Noncurrent loans to loans | 0.5317% | 2,077 |
| Net loans and leases to total assets | 50.4233% | 3,516 |
| Net loans and leases to deposits | 55.9212% | 3,716 |
| Net loans and leases to core deposits | 56.8308% | 3,844 |
| Total domestic deposits to total assets | 90.1686% | 693 |
| Equity capital to assets | 9.0559% | 3,753 |
| Core capital (leverage) ratio | 8.8996% | 3,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,026,667 | 3,562 |
| Average earning assets | $140,744,333 | 3,505 |
| Average equity | $13,426,667 | 3,849 |
| Average total loans | $76,940,667 | 3,605 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0103% | 1,589 |
| Cost of funding earning assets | 0.4074% | 2,039 |
| Net interest margin | 3.6029% | 1,576 |
| Noninterest income to average assets | 0.3615% | 3,279 |
| Noninterest expense to average assets | 2.2577% | 2,918 |
| Loan and lease loss provision to assets | 0.1251% | 1,094 |
| Net operating income to assets | 1.4458% | 1,451 |
| Return on assets (ROA) | 1.4458% | 1,520 |
| Pretax return on assets | 1.4458% | 2,147 |
| Return on Equity (ROE) | 15.6016% | 1,092 |
| Retained earnings to average equity (ytd only) | 15.6016% | 558 |
| Net charge-offs to loans | -0.0832% | 4,578 |
| Credit loss provision to net charge-offs | -281.2500% | 3,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9688% | 3,163 |
| Assets per employee ($millions) | 6.5317% | 2,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3838% | 2,033 |
| Loan loss allowance to noncurrent loans | 214.6293% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.4600% | 2,014 |
| Noncurrent loans to loans | 0.6447% | 1,956 |
| Net loans and leases to total assets | 50.8054% | 3,558 |
| Net loans and leases to deposits | 56.2442% | 3,773 |
| Net loans and leases to core deposits | 56.9432% | 3,915 |
| Total domestic deposits to total assets | 90.3302% | 652 |
| Equity capital to assets | 8.9702% | 3,718 |
| Core capital (leverage) ratio | 9.3608% | 3,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,862,500 | 3,594 |
| Average earning assets | $138,442,500 | 3,531 |
| Average equity | $13,332,000 | 3,865 |
| Average total loans | $76,946,000 | 3,618 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6531% | 986 |
| Cost of funding earning assets | 0.4836% | 3,055 |
| Net interest margin | 4.1695% | 687 |
| Noninterest income to average assets | 0.4465% | 2,877 |
| Noninterest expense to average assets | 2.7079% | 2,219 |
| Loan and lease loss provision to assets | 0.2816% | 1,353 |
| Net operating income to assets | 1.4594% | 903 |
| Return on assets (ROA) | 1.4594% | 981 |
| Pretax return on assets | 1.4594% | 1,474 |
| Return on Equity (ROE) | 14.0852% | 794 |
| Retained earnings to average equity (ytd only) | 7.4308% | 1,220 |
| Net charge-offs to loans | 0.0934% | 1,525 |
| Credit loss provision to net charge-offs | 492.9577% | 1,266 |
| Earnings coverage of net charge-offs (x) | 30.4789% | 1,598 |
| Efficiency ratio | 60.8680% | 3,338 |
| Assets per employee ($millions) | 5.9780% | 2,351 |
| Cash dividends to net income (ytd only)* | 47.2437% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 2,320 |
| Loan loss allowance to noncurrent loans | 144.5559% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.6473% | 1,621 |
| Noncurrent loans to loans | 0.9125% | 1,543 |
| Net loans and leases to total assets | 54.9016% | 3,400 |
| Net loans and leases to deposits | 61.2282% | 3,658 |
| Net loans and leases to core deposits | 61.9040% | 3,831 |
| Total domestic deposits to total assets | 89.6673% | 690 |
| Equity capital to assets | 9.5916% | 3,522 |
| Core capital (leverage) ratio | 9.5121% | 3,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,301,200 | 3,695 |
| Average earning assets | $119,319,400 | 3,625 |
| Average equity | $12,878,800 | 3,874 |
| Average total loans | $75,979,600 | 3,623 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8115% | 866 |
| Cost of funding earning assets | 0.4926% | 3,269 |
| Net interest margin | 4.3189% | 562 |
| Noninterest income to average assets | 0.4705% | 2,741 |
| Noninterest expense to average assets | 2.6897% | 2,291 |
| Loan and lease loss provision to assets | 0.3140% | 1,270 |
| Net operating income to assets | 1.6109% | 703 |
| Return on assets (ROA) | 1.6109% | 776 |
| Pretax return on assets | 1.6109% | 1,160 |
| Return on Equity (ROE) | 15.2270% | 659 |
| Retained earnings to average equity (ytd only) | 6.3012% | 1,975 |
| Net charge-offs to loans | 0.1670% | 883 |
| Credit loss provision to net charge-offs | 300.0000% | 1,756 |
| Earnings coverage of net charge-offs (x) | 18.3895% | 1,962 |
| Efficiency ratio | 58.2856% | 3,627 |
| Assets per employee ($millions) | 5.7756% | 2,476 |
| Cash dividends to net income (ytd only)* | 58.6183% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 3,000 |
| Loan loss allowance to noncurrent loans | 113.1611% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.7671% | 1,509 |
| Noncurrent loans to loans | 1.0045% | 1,489 |
| Net loans and leases to total assets | 60.2361% | 3,206 |
| Net loans and leases to deposits | 67.5220% | 3,511 |
| Net loans and leases to core deposits | 68.2978% | 3,744 |
| Total domestic deposits to total assets | 89.2095% | 684 |
| Equity capital to assets | 10.0309% | 3,202 |
| Core capital (leverage) ratio | 10.0534% | 2,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,002,750 | 3,725 |
| Average earning assets | $116,107,500 | 3,662 |
| Average equity | $12,801,500 | 3,885 |
| Average total loans | $75,850,500 | 3,642 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1042% | 680 |
| Cost of funding earning assets | 0.4971% | 3,550 |
| Net interest margin | 4.6071% | 408 |
| Noninterest income to average assets | 0.4699% | 2,712 |
| Noninterest expense to average assets | 2.7730% | 2,151 |
| Loan and lease loss provision to assets | 0.4101% | 977 |
| Net operating income to assets | 1.7051% | 616 |
| Return on assets (ROA) | 1.7051% | 670 |
| Pretax return on assets | 1.7051% | 991 |
| Return on Equity (ROE) | 15.8074% | 601 |
| Retained earnings to average equity (ytd only) | 2.2333% | 3,667 |
| Net charge-offs to loans | 0.2454% | 640 |
| Credit loss provision to net charge-offs | 263.7363% | 1,713 |
| Earnings coverage of net charge-offs (x) | 13.6044% | 1,984 |
| Efficiency ratio | 56.7284% | 3,857 |
| Assets per employee ($millions) | 5.5126% | 2,628 |
| Cash dividends to net income (ytd only)* | 85.8717% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 2,951 |
| Loan loss allowance to noncurrent loans | 86.7720% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.8416% | 1,476 |
| Noncurrent loans to loans | 1.2874% | 1,211 |
| Net loans and leases to total assets | 61.3681% | 3,181 |
| Net loans and leases to deposits | 68.9616% | 3,493 |
| Net loans and leases to core deposits | 69.7936% | 3,725 |
| Total domestic deposits to total assets | 88.9888% | 749 |
| Equity capital to assets | 10.1507% | 3,068 |
| Core capital (leverage) ratio | 10.1686% | 2,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,057,333 | 3,759 |
| Average earning assets | $112,261,000 | 3,704 |
| Average equity | $12,627,000 | 3,915 |
| Average total loans | $74,155,000 | 3,680 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8733% | 1,262 |
| Cost of funding earning assets | 0.4989% | 3,951 |
| Net interest margin | 4.3744% | 657 |
| Noninterest income to average assets | 0.5205% | 2,441 |
| Noninterest expense to average assets | 2.9022% | 2,117 |
| Loan and lease loss provision to assets | 0.1604% | 1,802 |
| Net operating income to assets | 1.6472% | 564 |
| Return on assets (ROA) | 1.6472% | 624 |
| Pretax return on assets | 1.6472% | 961 |
| Return on Equity (ROE) | 14.7775% | 578 |
| Retained earnings to average equity (ytd only) | 5.6615% | 2,008 |
| Net charge-offs to loans | 0.1836% | 737 |
| Credit loss provision to net charge-offs | 136.3636% | 1,633 |
| Earnings coverage of net charge-offs (x) | 15.3636% | 1,566 |
| Efficiency ratio | 61.6200% | 3,540 |
| Assets per employee ($millions) | 4.9674% | 2,685 |
| Cash dividends to net income (ytd only)* | 61.6883% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0367% | 3,510 |
| Loan loss allowance to noncurrent loans | 69.7653% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 0.9794% | 1,354 |
| Noncurrent loans to loans | 1.4860% | 1,075 |
| Net loans and leases to total assets | 62.0779% | 3,290 |
| Net loans and leases to deposits | 70.4373% | 3,554 |
| Net loans and leases to core deposits | 71.3887% | 3,788 |
| Total domestic deposits to total assets | 88.1322% | 1,051 |
| Equity capital to assets | 11.0241% | 2,835 |
| Core capital (leverage) ratio | 11.2587% | 2,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,191,500 | 3,813 |
| Average earning assets | $107,443,500 | 3,762 |
| Average equity | $12,505,500 | 3,945 |
| Average total loans | $71,889,000 | 3,729 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0444% | 1,356 |
| Cost of funding earning assets | 0.5253% | 3,988 |
| Net interest margin | 4.5191% | 694 |
| Noninterest income to average assets | 0.5757% | 2,336 |
| Noninterest expense to average assets | 2.9668% | 2,107 |
| Loan and lease loss provision to assets | 0.2435% | 768 |
| Net operating income to assets | 1.6744% | 702 |
| Return on assets (ROA) | 1.6744% | 748 |
| Pretax return on assets | 1.6744% | 1,259 |
| Return on Equity (ROE) | 15.7312% | 571 |
| Retained earnings to average equity (ytd only) | 11.3715% | 289 |
| Net charge-offs to loans | 0.0872% | 1,877 |
| Credit loss provision to net charge-offs | 432.7869% | 661 |
| Earnings coverage of net charge-offs (x) | 34.0820% | 1,457 |
| Efficiency ratio | 60.7365% | 3,578 |
| Assets per employee ($millions) | 4.7884% | 2,851 |
| Cash dividends to net income (ytd only)* | 27.7135% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 3,426 |
| Loan loss allowance to noncurrent loans | 76.3598% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 0.9171% | 1,387 |
| Noncurrent loans to loans | 1.3257% | 1,133 |
| Net loans and leases to total assets | 64.8135% | 3,096 |
| Net loans and leases to deposits | 73.7537% | 3,378 |
| Net loans and leases to core deposits | 75.0234% | 3,644 |
| Total domestic deposits to total assets | 87.8783% | 1,183 |
| Equity capital to assets | 11.2736% | 2,740 |
| Core capital (leverage) ratio | 11.3005% | 2,251 |
| Tier 1 risk-based capital ratio | 17.7104% | 1,836 |
| Total risk-based capital ratio | 18.7616% | 1,840 |
| Memoranda: | ||
| Average total assets | $108,398,200 | 3,853 |
| Average earning assets | $103,361,800 | 3,811 |
| Average equity | $11,537,600 | 4,052 |
| Average total loans | $69,970,200 | 3,779 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0352% | 1,454 |
| Cost of funding earning assets | 0.5239% | 4,055 |
| Net interest margin | 4.5113% | 751 |
| Noninterest income to average assets | 0.5582% | 2,417 |
| Noninterest expense to average assets | 2.9478% | 2,109 |
| Loan and lease loss provision to assets | 0.1482% | 1,285 |
| Net operating income to assets | 1.7586% | 667 |
| Return on assets (ROA) | 1.7586% | 703 |
| Pretax return on assets | 1.7586% | 1,185 |
| Return on Equity (ROE) | 16.7752% | 508 |
| Retained earnings to average equity (ytd only) | 10.8497% | 558 |
| Net charge-offs to loans | -0.0691% | 4,910 |
| Credit loss provision to net charge-offs | -333.3333% | 4,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7225% | 3,516 |
| Assets per employee ($millions) | 4.7424% | 2,861 |
| Cash dividends to net income (ytd only)* | 35.3230% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9605% | 3,776 |
| Loan loss allowance to noncurrent loans | 48.9957% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 1.3495% | 879 |
| Noncurrent loans to loans | 1.9604% | 693 |
| Net loans and leases to total assets | 64.5666% | 3,230 |
| Net loans and leases to deposits | 73.2384% | 3,538 |
| Net loans and leases to core deposits | 74.5083% | 3,798 |
| Total domestic deposits to total assets | 88.1595% | 969 |
| Equity capital to assets | 10.9704% | 3,117 |
| Core capital (leverage) ratio | 11.1219% | 2,538 |
| Tier 1 risk-based capital ratio | 17.0866% | 2,054 |
| Total risk-based capital ratio | 18.0668% | 2,094 |
| Memoranda: | ||
| Average total assets | $107,964,500 | 3,900 |
| Average earning assets | $102,820,750 | 3,863 |
| Average equity | $11,318,000 | 4,121 |
| Average total loans | $69,435,000 | 3,824 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0034% | 1,479 |
| Cost of funding earning assets | 0.5275% | 3,998 |
| Net interest margin | 4.4759% | 811 |
| Noninterest income to average assets | 0.5837% | 2,226 |
| Noninterest expense to average assets | 2.9667% | 2,093 |
| Loan and lease loss provision to assets | 0.1394% | 1,332 |
| Net operating income to assets | 1.7362% | 676 |
| Return on assets (ROA) | 1.7362% | 708 |
| Pretax return on assets | 1.7362% | 1,198 |
| Return on Equity (ROE) | 16.8258% | 491 |
| Retained earnings to average equity (ytd only) | 7.7644% | 1,488 |
| Net charge-offs to loans | -0.2294% | 5,146 |
| Credit loss provision to net charge-offs | -94.9367% | 3,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2668% | 3,547 |
| Assets per employee ($millions) | 4.8415% | 2,680 |
| Cash dividends to net income (ytd only)* | 53.8544% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 3,748 |
| Loan loss allowance to noncurrent loans | 57.9574% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 1.1764% | 1,144 |
| Noncurrent loans to loans | 1.6894% | 903 |
| Net loans and leases to total assets | 64.6594% | 3,272 |
| Net loans and leases to deposits | 73.2223% | 3,577 |
| Net loans and leases to core deposits | 74.5225% | 3,861 |
| Total domestic deposits to total assets | 88.3055% | 961 |
| Equity capital to assets | 10.7575% | 3,301 |
| Core capital (leverage) ratio | 10.6510% | 2,936 |
| Tier 1 risk-based capital ratio | 17.0306% | 2,079 |
| Total risk-based capital ratio | 18.0464% | 2,086 |
| Memoranda: | ||
| Average total assets | $107,594,330 | 3,931 |
| Average earning assets | $102,370,670 | 3,894 |
| Average equity | $11,102,000 | 4,157 |
| Average total loans | $68,877,000 | 3,861 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8790% | 1,658 |
| Cost of funding earning assets | 0.5335% | 3,900 |
| Net interest margin | 4.3456% | 1,016 |
| Noninterest income to average assets | 0.5216% | 2,430 |
| Noninterest expense to average assets | 2.9519% | 2,128 |
| Loan and lease loss provision to assets | 0.1369% | 1,266 |
| Net operating income to assets | 1.5610% | 981 |
| Return on assets (ROA) | 1.5610% | 1,008 |
| Pretax return on assets | 1.5610% | 1,569 |
| Return on Equity (ROE) | 15.4522% | 673 |
| Retained earnings to average equity (ytd only) | 10.2527% | 974 |
| Net charge-offs to loans | -0.3385% | 5,231 |
| Credit loss provision to net charge-offs | -63.7931% | 3,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4845% | 3,321 |
| Assets per employee ($millions) | 4.8911% | 2,656 |
| Cash dividends to net income (ytd only)* | 33.6493% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8992% | 4,159 |
| Loan loss allowance to noncurrent loans | 39.0812% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 1.6496% | 676 |
| Noncurrent loans to loans | 2.3008% | 595 |
| Net loans and leases to total assets | 63.6064% | 3,332 |
| Net loans and leases to deposits | 71.6126% | 3,631 |
| Net loans and leases to core deposits | 72.8613% | 3,879 |
| Total domestic deposits to total assets | 88.8201% | 947 |
| Equity capital to assets | 10.3333% | 3,491 |
| Core capital (leverage) ratio | 10.5426% | 3,002 |
| Tier 1 risk-based capital ratio | 16.9047% | 2,134 |
| Total risk-based capital ratio | 17.8366% | 2,190 |
| Memoranda: | ||
| Average total assets | $108,135,500 | 3,965 |
| Average earning assets | $102,725,500 | 3,928 |
| Average equity | $10,924,000 | 4,204 |
| Average total loans | $68,540,000 | 3,903 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5950% | 2,144 |
| Cost of funding earning assets | 0.4186% | 3,873 |
| Net interest margin | 4.1764% | 1,461 |
| Noninterest income to average assets | 0.5421% | 2,597 |
| Noninterest expense to average assets | 2.9902% | 2,068 |
| Loan and lease loss provision to assets | 0.1431% | 1,501 |
| Net operating income to assets | 1.3889% | 1,468 |
| Return on assets (ROA) | 1.3889% | 1,466 |
| Pretax return on assets | 1.3889% | 2,176 |
| Return on Equity (ROE) | 14.8596% | 861 |
| Retained earnings to average equity (ytd only) | 8.8031% | 936 |
| Net charge-offs to loans | 0.1839% | 1,047 |
| Credit loss provision to net charge-offs | 127.0492% | 2,073 |
| Earnings coverage of net charge-offs (x) | 13.5984% | 2,442 |
| Efficiency ratio | 66.1221% | 2,857 |
| Assets per employee ($millions) | 4.7247% | 2,838 |
| Cash dividends to net income (ytd only)* | 40.7580% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7748% | 4,615 |
| Loan loss allowance to noncurrent loans | 39.8337% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 1.2810% | 1,001 |
| Noncurrent loans to loans | 1.9451% | 701 |
| Net loans and leases to total assets | 62.1063% | 3,555 |
| Net loans and leases to deposits | 69.5440% | 3,863 |
| Net loans and leases to core deposits | 70.9850% | 4,057 |
| Total domestic deposits to total assets | 89.3049% | 734 |
| Equity capital to assets | 9.8733% | 3,794 |
| Core capital (leverage) ratio | 10.1009% | 3,460 |
| Tier 1 risk-based capital ratio | 16.8321% | 2,123 |
| Total risk-based capital ratio | 17.6395% | 2,213 |
| Memoranda: | ||
| Average total assets | $108,286,200 | 3,966 |
| Average earning assets | $103,198,800 | 3,929 |
| Average equity | $10,121,400 | 4,280 |
| Average total loans | $66,339,000 | 3,956 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4771% | 2,372 |
| Cost of funding earning assets | 0.3947% | 3,901 |
| Net interest margin | 4.0824% | 1,684 |
| Noninterest income to average assets | 0.5336% | 2,654 |
| Noninterest expense to average assets | 2.8825% | 2,363 |
| Loan and lease loss provision to assets | 0.1109% | 1,819 |
| Net operating income to assets | 1.4406% | 1,359 |
| Return on assets (ROA) | 1.4406% | 1,361 |
| Pretax return on assets | 1.4406% | 2,085 |
| Return on Equity (ROE) | 15.6340% | 762 |
| Retained earnings to average equity (ytd only) | 7.4358% | 1,907 |
| Net charge-offs to loans | 0.0951% | 1,539 |
| Credit loss provision to net charge-offs | 191.4894% | 1,433 |
| Earnings coverage of net charge-offs (x) | 26.7851% | 1,733 |
| Efficiency ratio | 65.0083% | 3,033 |
| Assets per employee ($millions) | 5.0959% | 2,344 |
| Cash dividends to net income (ytd only)* | 52.4377% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8131% | 4,568 |
| Loan loss allowance to noncurrent loans | 50.8523% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 1.0035% | 1,452 |
| Noncurrent loans to loans | 1.5989% | 991 |
| Net loans and leases to total assets | 58.4333% | 3,991 |
| Net loans and leases to deposits | 64.9472% | 4,278 |
| Net loans and leases to core deposits | 66.2383% | 4,398 |
| Total domestic deposits to total assets | 89.9705% | 518 |
| Equity capital to assets | 9.1777% | 4,389 |
| Core capital (leverage) ratio | 9.8095% | 3,839 |
| Tier 1 risk-based capital ratio | 16.8707% | 2,148 |
| Total risk-based capital ratio | 17.7212% | 2,224 |
| Memoranda: | ||
| Average total assets | $108,191,000 | 4,013 |
| Average earning assets | $103,366,750 | 3,965 |
| Average equity | $9,969,500 | 4,340 |
| Average total loans | $65,919,750 | 3,999 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4720% | 2,174 |
| Cost of funding earning assets | 0.3902% | 3,807 |
| Net interest margin | 4.0818% | 1,610 |
| Noninterest income to average assets | 0.5277% | 2,706 |
| Noninterest expense to average assets | 2.8928% | 2,374 |
| Loan and lease loss provision to assets | 0.1123% | 1,765 |
| Net operating income to assets | 1.4371% | 1,322 |
| Return on assets (ROA) | 1.4371% | 1,321 |
| Pretax return on assets | 1.4371% | 2,032 |
| Return on Equity (ROE) | 15.5734% | 745 |
| Retained earnings to average equity (ytd only) | 3.1431% | 3,994 |
| Net charge-offs to loans | 0.0971% | 1,382 |
| Credit loss provision to net charge-offs | 187.5000% | 1,360 |
| Earnings coverage of net charge-offs (x) | 25.8750% | 1,623 |
| Efficiency ratio | 65.1222% | 3,138 |
| Assets per employee ($millions) | 4.8943% | 2,566 |
| Cash dividends to net income (ytd only)* | 79.8177% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7948% | 4,712 |
| Loan loss allowance to noncurrent loans | 51.6320% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 1.0030% | 1,498 |
| Noncurrent loans to loans | 1.5394% | 1,079 |
| Net loans and leases to total assets | 60.5108% | 3,759 |
| Net loans and leases to deposits | 67.2957% | 4,074 |
| Net loans and leases to core deposits | 68.8713% | 4,210 |
| Total domestic deposits to total assets | 89.9178% | 597 |
| Equity capital to assets | 9.1498% | 4,433 |
| Core capital (leverage) ratio | 9.5574% | 4,055 |
| Tier 1 risk-based capital ratio | 16.2523% | 2,350 |
| Total risk-based capital ratio | 17.0800% | 2,441 |
| Memoranda: | ||
| Average total assets | $106,885,000 | 4,069 |
| Average earning assets | $102,504,670 | 4,008 |
| Average equity | $9,863,000 | 4,396 |
| Average total loans | $65,877,670 | 4,020 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4082% | 2,171 |
| Cost of funding earning assets | 0.3826% | 3,715 |
| Net interest margin | 4.0256% | 1,637 |
| Noninterest income to average assets | 0.5371% | 2,597 |
| Noninterest expense to average assets | 2.8773% | 2,453 |
| Loan and lease loss provision to assets | 0.1127% | 1,674 |
| Net operating income to assets | 1.4199% | 1,289 |
| Return on assets (ROA) | 1.4199% | 1,296 |
| Pretax return on assets | 1.4199% | 1,937 |
| Return on Equity (ROE) | 15.3215% | 748 |
| Retained earnings to average equity (ytd only) | 9.5253% | 1,301 |
| Net charge-offs to loans | 0.0667% | 1,443 |
| Credit loss provision to net charge-offs | 272.7273% | 874 |
| Earnings coverage of net charge-offs (x) | 37.0909% | 1,108 |
| Efficiency ratio | 65.2470% | 3,286 |
| Assets per employee ($millions) | 4.8931% | 2,616 |
| Cash dividends to net income (ytd only)* | 37.8307% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7877% | 4,819 |
| Loan loss allowance to noncurrent loans | 64.6910% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 0.8110% | 1,957 |
| Noncurrent loans to loans | 1.2177% | 1,490 |
| Net loans and leases to total assets | 60.0201% | 3,750 |
| Net loans and leases to deposits | 66.7559% | 4,038 |
| Net loans and leases to core deposits | 68.3158% | 4,198 |
| Total domestic deposits to total assets | 89.9098% | 698 |
| Equity capital to assets | 9.2142% | 4,346 |
| Core capital (leverage) ratio | 9.7190% | 3,826 |
| Tier 1 risk-based capital ratio | 16.6329% | 2,234 |
| Total risk-based capital ratio | 17.4589% | 2,338 |
| Memoranda: | ||
| Average total assets | $106,490,000 | 4,117 |
| Average earning assets | $102,444,500 | 4,050 |
| Average equity | $9,868,500 | 4,445 |
| Average total loans | $65,978,000 | 4,055 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3148% | 2,271 |
| Cost of funding earning assets | 0.4038% | 3,214 |
| Net interest margin | 3.9110% | 2,052 |
| Noninterest income to average assets | 0.5172% | 2,891 |
| Noninterest expense to average assets | 2.8050% | 2,750 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.5055% | 792 |
| Return on assets (ROA) | 1.5055% | 808 |
| Pretax return on assets | 1.5055% | 1,621 |
| Return on Equity (ROE) | 17.3531% | 363 |
| Retained earnings to average equity (ytd only) | 11.8027% | 187 |
| Net charge-offs to loans | 0.3396% | 752 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 7.4055% | 3,048 |
| Efficiency ratio | 65.0728% | 3,427 |
| Assets per employee ($millions) | 4.7882% | 2,749 |
| Cash dividends to net income (ytd only)* | 31.9851% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7392% | 4,981 |
| Loan loss allowance to noncurrent loans | 68.6111% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 0.7594% | 2,058 |
| Noncurrent loans to loans | 1.0773% | 1,652 |
| Net loans and leases to total assets | 62.9745% | 3,489 |
| Net loans and leases to deposits | 70.1203% | 3,866 |
| Net loans and leases to core deposits | 71.7951% | 4,063 |
| Total domestic deposits to total assets | 89.8093% | 639 |
| Equity capital to assets | 9.4085% | 4,317 |
| Core capital (leverage) ratio | 9.3215% | 4,259 |
| Tier 1 risk-based capital ratio | 16.3778% | 2,308 |
| Total risk-based capital ratio | 17.1794% | 2,402 |
| Memoranda: | ||
| Average total assets | $106,738,600 | 4,122 |
| Average earning assets | $103,527,800 | 4,034 |
| Average equity | $9,260,600 | 4,570 |
| Average total loans | $63,899,600 | 4,101 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2623% | 2,389 |
| Cost of funding earning assets | 0.4107% | 3,079 |
| Net interest margin | 3.8516% | 2,215 |
| Noninterest income to average assets | 0.5092% | 2,972 |
| Noninterest expense to average assets | 2.7976% | 2,734 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4480% | 997 |
| Return on assets (ROA) | 1.4480% | 1,009 |
| Pretax return on assets | 1.4480% | 1,950 |
| Return on Equity (ROE) | 17.0436% | 414 |
| Retained earnings to average equity (ytd only) | 9.5110% | 703 |
| Net charge-offs to loans | 0.1414% | 1,399 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 17.3584% | 2,104 |
| Efficiency ratio | 65.8944% | 3,229 |
| Assets per employee ($millions) | 4.9180% | 2,552 |
| Cash dividends to net income (ytd only)* | 44.1962% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9941% | 4,099 |
| Loan loss allowance to noncurrent loans | 73.0159% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 0.8891% | 1,932 |
| Noncurrent loans to loans | 1.3614% | 1,381 |
| Net loans and leases to total assets | 59.2808% | 3,943 |
| Net loans and leases to deposits | 65.5152% | 4,284 |
| Net loans and leases to core deposits | 67.0233% | 4,419 |
| Total domestic deposits to total assets | 90.4840% | 333 |
| Equity capital to assets | 8.8404% | 5,040 |
| Core capital (leverage) ratio | 8.9011% | 4,862 |
| Tier 1 risk-based capital ratio | 16.1158% | 2,450 |
| Total risk-based capital ratio | 17.1913% | 2,467 |
| Memoranda: | ||
| Average total assets | $107,088,000 | 4,156 |
| Average earning assets | $103,884,750 | 4,067 |
| Average equity | $9,098,000 | 4,642 |
| Average total loans | $63,166,500 | 4,151 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1865% | 2,523 |
| Cost of funding earning assets | 0.4154% | 2,926 |
| Net interest margin | 3.7712% | 2,401 |
| Noninterest income to average assets | 0.5266% | 2,851 |
| Noninterest expense to average assets | 2.8130% | 2,710 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3718% | 1,128 |
| Return on assets (ROA) | 1.3718% | 1,153 |
| Pretax return on assets | 1.3718% | 2,134 |
| Return on Equity (ROE) | 16.3716% | 481 |
| Retained earnings to average equity (ytd only) | 4.8757% | 2,793 |
| Net charge-offs to loans | 0.1245% | 1,415 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 18.7692% | 1,860 |
| Efficiency ratio | 67.2190% | 3,150 |
| Assets per employee ($millions) | 4.9447% | 2,459 |
| Cash dividends to net income (ytd only)* | 70.2186% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0544% | 3,827 |
| Loan loss allowance to noncurrent loans | 63.1827% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 1.0498% | 1,672 |
| Noncurrent loans to loans | 1.6687% | 1,096 |
| Net loans and leases to total assets | 57.8854% | 4,048 |
| Net loans and leases to deposits | 63.6936% | 4,390 |
| Net loans and leases to core deposits | 65.1445% | 4,531 |
| Total domestic deposits to total assets | 90.8810% | 251 |
| Equity capital to assets | 8.3569% | 5,380 |
| Core capital (leverage) ratio | 8.5256% | 5,194 |
| Tier 1 risk-based capital ratio | 15.6545% | 2,643 |
| Total risk-based capital ratio | 16.7940% | 2,622 |
| Memoranda: | ||
| Average total assets | $106,718,330 | 4,192 |
| Average earning assets | $103,522,330 | 4,106 |
| Average equity | $8,942,330 | 4,690 |
| Average total loans | $62,627,330 | 4,188 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1687% | 2,388 |
| Cost of funding earning assets | 0.4216% | 2,801 |
| Net interest margin | 3.7472% | 2,322 |
| Noninterest income to average assets | 0.4882% | 3,054 |
| Noninterest expense to average assets | 2.8613% | 2,575 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2603% | 1,347 |
| Return on assets (ROA) | 1.2603% | 1,381 |
| Pretax return on assets | 1.2603% | 2,383 |
| Return on Equity (ROE) | 15.0203% | 639 |
| Retained earnings to average equity (ytd only) | 15.0203% | 230 |
| Net charge-offs to loans | 0.0515% | 1,833 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 41.6250% | 1,010 |
| Efficiency ratio | 69.4215% | 2,980 |
| Assets per employee ($millions) | 5.1499% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 3,608 |
| Loan loss allowance to noncurrent loans | 68.7867% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 1.0190% | 1,787 |
| Noncurrent loans to loans | 1.6238% | 1,199 |
| Net loans and leases to total assets | 57.5457% | 4,011 |
| Net loans and leases to deposits | 63.3154% | 4,347 |
| Net loans and leases to core deposits | 64.7637% | 4,498 |
| Total domestic deposits to total assets | 90.8874% | 334 |
| Equity capital to assets | 8.3840% | 5,313 |
| Core capital (leverage) ratio | 8.5408% | 5,199 |
| Tier 1 risk-based capital ratio | 15.5822% | 2,722 |
| Total risk-based capital ratio | 16.7847% | 2,671 |
| Memoranda: | ||
| Average total assets | $105,685,500 | 4,255 |
| Average earning assets | $102,477,500 | 4,166 |
| Average equity | $8,868,000 | 4,741 |
| Average total loans | $62,120,500 | 4,239 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2620% | 2,265 |
| Cost of funding earning assets | 0.4396% | 2,613 |
| Net interest margin | 3.8224% | 2,238 |
| Noninterest income to average assets | 0.4934% | 3,281 |
| Noninterest expense to average assets | 3.0455% | 2,201 |
| Loan and lease loss provision to assets | -0.4934% | 5,875 |
| Net operating income to assets | 1.6224% | 647 |
| Return on assets (ROA) | 1.6224% | 672 |
| Pretax return on assets | 1.6224% | 1,213 |
| Return on Equity (ROE) | 20.9277% | 183 |
| Retained earnings to average equity (ytd only) | 18.7637% | 56 |
| Net charge-offs to loans | -0.0726% | 5,493 |
| Credit loss provision to net charge-offs | 1,136.3636% | 348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9551% | 2,432 |
| Assets per employee ($millions) | 4.6920% | 2,805 |
| Cash dividends to net income (ytd only)* | 10.3406% | 4,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 3,370 |
| Loan loss allowance to noncurrent loans | 68.1687% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 1.0879% | 1,730 |
| Noncurrent loans to loans | 1.7014% | 1,137 |
| Net loans and leases to total assets | 58.7005% | 4,002 |
| Net loans and leases to deposits | 64.5802% | 4,355 |
| Net loans and leases to core deposits | 66.3154% | 4,509 |
| Total domestic deposits to total assets | 90.8955% | 309 |
| Equity capital to assets | 8.3982% | 5,347 |
| Core capital (leverage) ratio | 8.6658% | 5,112 |
| Tier 1 risk-based capital ratio | 15.5777% | 2,713 |
| Total risk-based capital ratio | 16.8273% | 2,646 |
| Memoranda: | ||
| Average total assets | $101,330,400 | 4,328 |
| Average earning assets | $97,582,600 | 4,244 |
| Average equity | $7,855,600 | 4,957 |
| Average total loans | $60,616,800 | 4,279 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1967% | 2,528 |
| Cost of funding earning assets | 0.4454% | 2,596 |
| Net interest margin | 3.7513% | 2,515 |
| Noninterest income to average assets | 0.4944% | 3,293 |
| Noninterest expense to average assets | 3.0352% | 2,215 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0668% | 2,135 |
| Return on assets (ROA) | 1.0668% | 2,241 |
| Pretax return on assets | 1.0668% | 3,367 |
| Return on Equity (ROE) | 14.0608% | 815 |
| Retained earnings to average equity (ytd only) | 11.0988% | 416 |
| Net charge-offs to loans | -0.5404% | 5,893 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9929% | 2,289 |
| Assets per employee ($millions) | 4.4032% | 3,240 |
| Cash dividends to net income (ytd only)* | 21.0656% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3173% | 424 |
| Loan loss allowance to noncurrent loans | 130.2583% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 1.6925% | 1,005 |
| Noncurrent loans to loans | 1.7790% | 1,165 |
| Net loans and leases to total assets | 58.7718% | 4,021 |
| Net loans and leases to deposits | 64.3028% | 4,463 |
| Net loans and leases to core deposits | 66.2430% | 4,589 |
| Total domestic deposits to total assets | 91.3985% | 127 |
| Equity capital to assets | 7.9419% | 5,757 |
| Core capital (leverage) ratio | 7.7055% | 5,786 |
| Tier 1 risk-based capital ratio | 14.2574% | 3,425 |
| Total risk-based capital ratio | 15.5231% | 3,343 |
| Memoranda: | ||
| Average total assets | $100,857,000 | 4,374 |
| Average earning assets | $96,994,750 | 4,293 |
| Average equity | $7,652,250 | 5,036 |
| Average total loans | $60,445,000 | 4,314 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1583% | 2,647 |
| Cost of funding earning assets | 0.4480% | 2,590 |
| Net interest margin | 3.7102% | 2,652 |
| Noninterest income to average assets | 0.4805% | 3,328 |
| Noninterest expense to average assets | 3.0838% | 2,105 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9651% | 2,547 |
| Return on assets (ROA) | 0.9651% | 2,694 |
| Pretax return on assets | 0.9651% | 3,725 |
| Return on Equity (ROE) | 12.9221% | 1,048 |
| Retained earnings to average equity (ytd only) | 8.4020% | 1,043 |
| Net charge-offs to loans | -0.8095% | 5,978 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1648% | 2,057 |
| Assets per employee ($millions) | 4.4366% | 3,141 |
| Cash dividends to net income (ytd only)* | 34.9794% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3475% | 434 |
| Loan loss allowance to noncurrent loans | 136.0656% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 1.6581% | 1,094 |
| Noncurrent loans to loans | 1.7253% | 1,226 |
| Net loans and leases to total assets | 57.5214% | 4,167 |
| Net loans and leases to deposits | 62.6940% | 4,596 |
| Net loans and leases to core deposits | 64.4105% | 4,717 |
| Total domestic deposits to total assets | 91.7495% | 107 |
| Equity capital to assets | 7.5802% | 5,899 |
| Core capital (leverage) ratio | 7.4315% | 5,890 |
| Tier 1 risk-based capital ratio | 14.0906% | 3,552 |
| Total risk-based capital ratio | 15.3574% | 3,455 |
| Memoranda: | ||
| Average total assets | $100,718,330 | 4,414 |
| Average earning assets | $96,867,000 | 4,328 |
| Average equity | $7,522,000 | 5,102 |
| Average total loans | $60,282,670 | 4,337 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1332% | 2,717 |
| Cost of funding earning assets | 0.4491% | 2,597 |
| Net interest margin | 3.6841% | 2,740 |
| Noninterest income to average assets | 0.4757% | 3,306 |
| Noninterest expense to average assets | 3.0663% | 2,189 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9515% | 2,504 |
| Return on assets (ROA) | 0.9515% | 2,622 |
| Pretax return on assets | 0.9515% | 3,655 |
| Return on Equity (ROE) | 12.8380% | 1,070 |
| Retained earnings to average equity (ytd only) | 12.8380% | 408 |
| Net charge-offs to loans | -0.0199% | 4,850 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3184% | 2,132 |
| Assets per employee ($millions) | 4.5874% | 2,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9544% | 890 |
| Loan loss allowance to noncurrent loans | 84.1727% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 2.0174% | 852 |
| Noncurrent loans to loans | 2.3219% | 855 |
| Net loans and leases to total assets | 58.1572% | 4,026 |
| Net loans and leases to deposits | 63.3092% | 4,481 |
| Net loans and leases to core deposits | 65.2460% | 4,599 |
| Total domestic deposits to total assets | 91.8621% | 120 |
| Equity capital to assets | 7.5206% | 5,944 |
| Core capital (leverage) ratio | 7.4746% | 5,927 |
| Tier 1 risk-based capital ratio | 13.9303% | 3,733 |
| Total risk-based capital ratio | 15.1902% | 3,657 |
| Memoranda: | ||
| Average total assets | $100,056,500 | 4,464 |
| Average earning assets | $96,197,000 | 4,378 |
| Average equity | $7,415,500 | 5,149 |
| Average total loans | $60,370,500 | 4,356 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4219% | 1,829 |
| Cost of funding earning assets | 0.4906% | 2,248 |
| Net interest margin | 3.9313% | 1,927 |
| Noninterest income to average assets | 0.4804% | 3,460 |
| Noninterest expense to average assets | 3.1533% | 2,078 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1019% | 1,917 |
| Return on assets (ROA) | 1.1019% | 1,988 |
| Pretax return on assets | 1.1019% | 3,052 |
| Return on Equity (ROE) | 15.6653% | 594 |
| Retained earnings to average equity (ytd only) | 15.6653% | 120 |
| Net charge-offs to loans | 0.5566% | 444 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 3.0456% | 3,787 |
| Efficiency ratio | 74.1037% | 2,567 |
| Assets per employee ($millions) | 4.5086% | 3,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9170% | 925 |
| Loan loss allowance to noncurrent loans | 71.6830% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 1.8379% | 1,025 |
| Noncurrent loans to loans | 2.6742% | 662 |
| Net loans and leases to total assets | 60.1976% | 3,809 |
| Net loans and leases to deposits | 65.3432% | 4,367 |
| Net loans and leases to core deposits | 66.9958% | 4,504 |
| Total domestic deposits to total assets | 92.1252% | 101 |
| Equity capital to assets | 7.3001% | 6,008 |
| Core capital (leverage) ratio | 7.3246% | 6,008 |
| Tier 1 risk-based capital ratio | 13.2715% | 4,120 |
| Total risk-based capital ratio | 14.5318% | 4,065 |
| Memoranda: | ||
| Average total assets | $97,010,400 | 4,517 |
| Average earning assets | $93,150,000 | 4,447 |
| Average equity | $6,824,000 | 5,276 |
| Average total loans | $63,064,000 | 4,289 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4608% | 1,726 |
| Cost of funding earning assets | 0.4942% | 2,276 |
| Net interest margin | 3.9666% | 1,821 |
| Noninterest income to average assets | 0.4851% | 3,475 |
| Noninterest expense to average assets | 3.0808% | 2,270 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2094% | 1,618 |
| Return on assets (ROA) | 1.2094% | 1,683 |
| Pretax return on assets | 1.2094% | 2,787 |
| Return on Equity (ROE) | 17.3614% | 441 |
| Retained earnings to average equity (ytd only) | 17.3614% | 94 |
| Net charge-offs to loans | 0.4695% | 534 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 3.9062% | 3,435 |
| Efficiency ratio | 71.8106% | 2,916 |
| Assets per employee ($millions) | 4.5183% | 2,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0738% | 817 |
| Loan loss allowance to noncurrent loans | 85.4125% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 1.6851% | 1,286 |
| Noncurrent loans to loans | 2.4280% | 849 |
| Net loans and leases to total assets | 61.4716% | 3,673 |
| Net loans and leases to deposits | 66.6681% | 4,313 |
| Net loans and leases to core deposits | 68.3582% | 4,514 |
| Total domestic deposits to total assets | 92.2054% | 83 |
| Equity capital to assets | 7.2383% | 6,112 |
| Core capital (leverage) ratio | 7.3001% | 6,091 |
| Tier 1 risk-based capital ratio | 13.1927% | 4,327 |
| Total risk-based capital ratio | 14.4564% | 4,240 |
| Memoranda: | ||
| Average total assets | $96,465,500 | 4,579 |
| Average earning assets | $92,536,250 | 4,509 |
| Average equity | $6,719,750 | 5,364 |
| Average total loans | $63,610,750 | 4,318 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5088% | 1,504 |
| Cost of funding earning assets | 0.5005% | 2,248 |
| Net interest margin | 4.0083% | 1,620 |
| Noninterest income to average assets | 0.4796% | 3,505 |
| Noninterest expense to average assets | 3.0790% | 2,308 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2421% | 1,485 |
| Return on assets (ROA) | 1.2421% | 1,551 |
| Pretax return on assets | 1.2421% | 2,584 |
| Return on Equity (ROE) | 18.0756% | 410 |
| Retained earnings to average equity (ytd only) | 18.0756% | 103 |
| Net charge-offs to loans | 0.3343% | 785 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 5.5421% | 2,910 |
| Efficiency ratio | 71.2555% | 3,119 |
| Assets per employee ($millions) | 4.3861% | 3,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2110% | 724 |
| Loan loss allowance to noncurrent loans | 128.1562% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 1.3742% | 1,821 |
| Noncurrent loans to loans | 1.7252% | 1,491 |
| Net loans and leases to total assets | 64.6745% | 3,169 |
| Net loans and leases to deposits | 70.0085% | 3,932 |
| Net loans and leases to core deposits | 71.8478% | 4,154 |
| Total domestic deposits to total assets | 92.3809% | 93 |
| Equity capital to assets | 7.0709% | 6,184 |
| Core capital (leverage) ratio | 7.1020% | 6,170 |
| Tier 1 risk-based capital ratio | 12.3566% | 4,908 |
| Total risk-based capital ratio | 13.6221% | 4,795 |
| Memoranda: | ||
| Average total assets | $95,486,670 | 4,643 |
| Average earning assets | $91,509,670 | 4,570 |
| Average equity | $6,561,330 | 5,441 |
| Average total loans | $64,015,000 | 4,336 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4983% | 1,463 |
| Cost of funding earning assets | 0.5013% | 2,267 |
| Net interest margin | 3.9970% | 1,564 |
| Noninterest income to average assets | 0.4001% | 4,006 |
| Noninterest expense to average assets | 3.0869% | 2,309 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1413% | 1,726 |
| Return on assets (ROA) | 1.1413% | 1,833 |
| Pretax return on assets | 1.1413% | 2,900 |
| Return on Equity (ROE) | 16.8572% | 483 |
| Retained earnings to average equity (ytd only) | 16.8572% | 186 |
| Net charge-offs to loans | 0.1934% | 1,158 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 8.7419% | 2,064 |
| Efficiency ratio | 73.0080% | 2,988 |
| Assets per employee ($millions) | 4.3396% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3252% | 687 |
| Loan loss allowance to noncurrent loans | 124.8531% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 1.5355% | 1,687 |
| Noncurrent loans to loans | 1.8623% | 1,444 |
| Net loans and leases to total assets | 65.4276% | 2,859 |
| Net loans and leases to deposits | 70.6890% | 3,669 |
| Net loans and leases to core deposits | 72.5603% | 3,909 |
| Total domestic deposits to total assets | 92.5570% | 86 |
| Equity capital to assets | 6.9109% | 6,269 |
| Core capital (leverage) ratio | 6.8104% | 6,254 |
| Tier 1 risk-based capital ratio | 11.7705% | 5,395 |
| Total risk-based capital ratio | 13.0377% | 5,277 |
| Memoranda: | ||
| Average total assets | $94,983,000 | 4,691 |
| Average earning assets | $90,968,500 | 4,619 |
| Average equity | $6,430,500 | 5,508 |
| Average total loans | $64,113,500 | 4,361 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6077% | 1,536 |
| Cost of funding earning assets | 0.5824% | 1,927 |
| Net interest margin | 4.0252% | 1,819 |
| Noninterest income to average assets | 0.4099% | 4,114 |
| Noninterest expense to average assets | 2.9815% | 2,897 |
| Loan and lease loss provision to assets | 0.1629% | 1,612 |
| Net operating income to assets | 1.1077% | 1,950 |
| Return on assets (ROA) | 1.1077% | 2,000 |
| Pretax return on assets | 1.1077% | 3,051 |
| Return on Equity (ROE) | 19.0205% | 315 |
| Retained earnings to average equity (ytd only) | 19.0205% | 74 |
| Net charge-offs to loans | 0.5768% | 696 |
| Credit loss provision to net charge-offs | 42.3497% | 3,628 |
| Earnings coverage of net charge-offs (x) | 3.3033% | 3,926 |
| Efficiency ratio | 70.1186% | 3,513 |
| Assets per employee ($millions) | 4.2946% | 3,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3617% | 660 |
| Loan loss allowance to noncurrent loans | 115.5251% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.8670% | 1,385 |
| Noncurrent loans to loans | 2.0443% | 1,345 |
| Net loans and leases to total assets | 66.4229% | 2,820 |
| Net loans and leases to deposits | 71.5245% | 3,735 |
| Net loans and leases to core deposits | 73.6472% | 3,947 |
| Total domestic deposits to total assets | 92.8673% | 74 |
| Equity capital to assets | 6.6151% | 6,369 |
| Core capital (leverage) ratio | 6.5020% | 6,367 |
| Tier 1 risk-based capital ratio | 11.2982% | 5,770 |
| Total risk-based capital ratio | 12.5664% | 5,681 |
| Memoranda: | ||
| Average total assets | $95,155,000 | 4,718 |
| Average earning assets | $90,826,800 | 4,636 |
| Average equity | $5,541,400 | 5,732 |
| Average total loans | $63,454,200 | 4,380 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5946% | 1,574 |
| Cost of funding earning assets | 0.5879% | 1,946 |
| Net interest margin | 4.0068% | 1,856 |
| Noninterest income to average assets | 0.4266% | 4,050 |
| Noninterest expense to average assets | 2.9751% | 2,886 |
| Loan and lease loss provision to assets | 0.1748% | 1,405 |
| Net operating income to assets | 1.0994% | 2,031 |
| Return on assets (ROA) | 1.0994% | 2,099 |
| Pretax return on assets | 1.0994% | 3,187 |
| Return on Equity (ROE) | 19.5362% | 310 |
| Retained earnings to average equity (ytd only) | 19.5362% | 75 |
| Net charge-offs to loans | 0.4532% | 865 |
| Credit loss provision to net charge-offs | 58.1395% | 2,971 |
| Earnings coverage of net charge-offs (x) | 4.2372% | 3,504 |
| Efficiency ratio | 70.0132% | 3,505 |
| Assets per employee ($millions) | 4.4440% | 3,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5773% | 592 |
| Loan loss allowance to noncurrent loans | 136.0166% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 1.7501% | 1,708 |
| Noncurrent loans to loans | 1.8948% | 1,685 |
| Net loans and leases to total assets | 63.3694% | 3,288 |
| Net loans and leases to deposits | 67.7948% | 4,155 |
| Net loans and leases to core deposits | 69.9243% | 4,327 |
| Total domestic deposits to total assets | 93.4723% | 57 |
| Equity capital to assets | 6.0061% | 6,477 |
| Core capital (leverage) ratio | 6.1939% | 6,465 |
| Tier 1 risk-based capital ratio | 10.9419% | 6,022 |
| Total risk-based capital ratio | 12.2123% | 5,956 |
| Memoranda: | ||
| Average total assets | $95,323,500 | 4,758 |
| Average earning assets | $90,944,250 | 4,674 |
| Average equity | $5,364,250 | 5,831 |
| Average total loans | $63,249,000 | 4,424 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6312% | 1,446 |
| Cost of funding earning assets | 0.5953% | 1,940 |
| Net interest margin | 4.0359% | 1,701 |
| Noninterest income to average assets | 0.4042% | 4,212 |
| Noninterest expense to average assets | 2.9902% | 2,865 |
| Loan and lease loss provision to assets | 0.2645% | 787 |
| Net operating income to assets | 0.9946% | 2,341 |
| Return on assets (ROA) | 0.9946% | 2,410 |
| Pretax return on assets | 0.9946% | 3,497 |
| Return on Equity (ROE) | 18.0943% | 452 |
| Retained earnings to average equity (ytd only) | 18.0943% | 121 |
| Net charge-offs to loans | 0.4277% | 956 |
| Credit loss provision to net charge-offs | 92.5926% | 2,135 |
| Earnings coverage of net charge-offs (x) | 4.4074% | 3,112 |
| Efficiency ratio | 70.3685% | 3,597 |
| Assets per employee ($millions) | 4.3864% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7279% | 515 |
| Loan loss allowance to noncurrent loans | 129.4428% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 1.9088% | 1,699 |
| Noncurrent loans to loans | 2.1074% | 1,580 |
| Net loans and leases to total assets | 63.5185% | 3,156 |
| Net loans and leases to deposits | 67.7813% | 4,076 |
| Net loans and leases to core deposits | 70.1472% | 4,254 |
| Total domestic deposits to total assets | 93.7109% | 57 |
| Equity capital to assets | 5.7782% | 6,549 |
| Core capital (leverage) ratio | 5.9027% | 6,545 |
| Tier 1 risk-based capital ratio | 10.4162% | 6,275 |
| Total risk-based capital ratio | 11.6876% | 6,219 |
| Memoranda: | ||
| Average total assets | $94,508,670 | 4,814 |
| Average earning assets | $90,042,330 | 4,729 |
| Average equity | $5,195,000 | 5,914 |
| Average total loans | $63,134,000 | 4,451 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6791% | 1,306 |
| Cost of funding earning assets | 0.5888% | 2,078 |
| Net interest margin | 4.0903% | 1,486 |
| Noninterest income to average assets | 0.4235% | 4,000 |
| Noninterest expense to average assets | 3.0456% | 2,708 |
| Loan and lease loss provision to assets | 0.3208% | 573 |
| Net operating income to assets | 0.9496% | 2,408 |
| Return on assets (ROA) | 0.9496% | 2,478 |
| Pretax return on assets | 0.9496% | 3,520 |
| Return on Equity (ROE) | 17.7440% | 459 |
| Retained earnings to average equity (ytd only) | 17.7440% | 190 |
| Net charge-offs to loans | 0.6077% | 613 |
| Credit loss provision to net charge-offs | 78.1250% | 1,915 |
| Earnings coverage of net charge-offs (x) | 3.0938% | 2,734 |
| Efficiency ratio | 70.5649% | 3,733 |
| Assets per employee ($millions) | 4.3380% | 3,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7151% | 609 |
| Loan loss allowance to noncurrent loans | 130.6809% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 1.9343% | 1,779 |
| Noncurrent loans to loans | 2.0777% | 1,781 |
| Net loans and leases to total assets | 64.1264% | 2,868 |
| Net loans and leases to deposits | 68.1853% | 3,838 |
| Net loans and leases to core deposits | 70.6066% | 4,021 |
| Total domestic deposits to total assets | 94.0473% | 64 |
| Equity capital to assets | 5.4634% | 6,606 |
| Core capital (leverage) ratio | 5.8405% | 6,605 |
| Tier 1 risk-based capital ratio | 9.9827% | 6,484 |
| Total risk-based capital ratio | 11.2552% | 6,450 |
| Memoranda: | ||
| Average total assets | $93,512,500 | 4,885 |
| Average earning assets | $88,991,000 | 4,800 |
| Average equity | $5,004,500 | 5,995 |
| Average total loans | $63,193,500 | 4,484 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8120% | 1,288 |
| Cost of funding earning assets | 0.6463% | 2,234 |
| Net interest margin | 4.1657% | 1,453 |
| Noninterest income to average assets | 0.0634% | 6,509 |
| Noninterest expense to average assets | 3.0420% | 2,925 |
| Loan and lease loss provision to assets | 0.5964% | 420 |
| Net operating income to assets | 0.3729% | 5,248 |
| Return on assets (ROA) | 0.3729% | 5,363 |
| Pretax return on assets | 0.3729% | 5,552 |
| Return on Equity (ROE) | 7.1220% | 3,500 |
| Retained earnings to average equity (ytd only) | 7.1220% | 1,391 |
| Net charge-offs to loans | 1.0963% | 510 |
| Credit loss provision to net charge-offs | 78.7234% | 3,078 |
| Earnings coverage of net charge-offs (x) | 1.2794% | 4,637 |
| Efficiency ratio | 75.8371% | 2,801 |
| Assets per employee ($millions) | 4.1632% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7237% | 648 |
| Loan loss allowance to noncurrent loans | 131.0842% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 3.0822% | 1,013 |
| Noncurrent loans to loans | 2.0778% | 1,909 |
| Net loans and leases to total assets | 67.4211% | 2,454 |
| Net loans and leases to deposits | 71.5191% | 3,585 |
| Net loans and leases to core deposits | 74.2324% | 3,816 |
| Total domestic deposits to total assets | 94.2701% | 74 |
| Equity capital to assets | 5.2353% | 6,674 |
| Core capital (leverage) ratio | 5.4993% | 6,689 |
| Tier 1 risk-based capital ratio | 9.1230% | 6,651 |
| Total risk-based capital ratio | 10.3953% | 6,632 |
| Memoranda: | ||
| Average total assets | $93,063,400 | 4,905 |
| Average earning assets | $88,196,400 | 4,827 |
| Average equity | $4,872,200 | 6,100 |
| Average total loans | $64,304,600 | 4,474 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7884% | 1,378 |
| Cost of funding earning assets | 0.6580% | 2,295 |
| Net interest margin | 4.1304% | 1,537 |
| Noninterest income to average assets | 0.3182% | 5,149 |
| Noninterest expense to average assets | 3.0253% | 2,901 |
| Loan and lease loss provision to assets | 0.7207% | 303 |
| Net operating income to assets | 0.4866% | 4,856 |
| Return on assets (ROA) | 0.4866% | 5,013 |
| Pretax return on assets | 0.4866% | 5,392 |
| Return on Equity (ROE) | 9.2949% | 2,495 |
| Retained earnings to average equity (ytd only) | 9.2949% | 971 |
| Net charge-offs to loans | 0.9053% | 641 |
| Credit loss provision to net charge-offs | 115.2968% | 2,042 |
| Earnings coverage of net charge-offs (x) | 1.9315% | 4,181 |
| Efficiency ratio | 71.4767% | 3,514 |
| Assets per employee ($millions) | 4.1900% | 3,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0584% | 513 |
| Loan loss allowance to noncurrent loans | 120.7945% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 3.7708% | 868 |
| Noncurrent loans to loans | 2.5319% | 1,702 |
| Net loans and leases to total assets | 66.9151% | 2,478 |
| Net loans and leases to deposits | 71.0192% | 3,639 |
| Net loans and leases to core deposits | 74.2954% | 3,806 |
| Total domestic deposits to total assets | 94.2212% | 62 |
| Equity capital to assets | 5.3015% | 6,751 |
| Core capital (leverage) ratio | 5.5068% | 6,760 |
| Tier 1 risk-based capital ratio | 7.1974% | 6,797 |
| Total risk-based capital ratio | 8.4648% | 6,795 |
| Memoranda: | ||
| Average total assets | $93,431,750 | 4,947 |
| Average earning assets | $88,544,500 | 4,857 |
| Average equity | $4,891,500 | 6,170 |
| Average total loans | $64,510,750 | 4,509 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7163% | 1,527 |
| Cost of funding earning assets | 0.6728% | 2,283 |
| Net interest margin | 4.0435% | 1,720 |
| Noninterest income to average assets | 0.3580% | 4,828 |
| Noninterest expense to average assets | 2.9729% | 3,085 |
| Loan and lease loss provision to assets | 1.0123% | 185 |
| Net operating income to assets | 0.2152% | 5,850 |
| Return on assets (ROA) | 0.2152% | 5,983 |
| Pretax return on assets | 0.2152% | 6,057 |
| Return on Equity (ROE) | 4.1283% | 5,165 |
| Retained earnings to average equity (ytd only) | 4.1283% | 3,664 |
| Net charge-offs to loans | 0.7160% | 909 |
| Credit loss provision to net charge-offs | 204.7414% | 1,170 |
| Earnings coverage of net charge-offs (x) | 2.4828% | 3,697 |
| Efficiency ratio | 70.7763% | 3,682 |
| Assets per employee ($millions) | 4.4466% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2853% | 442 |
| Loan loss allowance to noncurrent loans | 78.0147% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 4.0266% | 855 |
| Noncurrent loans to loans | 4.2111% | 887 |
| Net loans and leases to total assets | 66.8991% | 2,434 |
| Net loans and leases to deposits | 70.8579% | 3,609 |
| Net loans and leases to core deposits | 74.1032% | 3,799 |
| Total domestic deposits to total assets | 94.4130% | 47 |
| Equity capital to assets | 5.1200% | 6,818 |
| Core capital (leverage) ratio | 5.1320% | 6,819 |
| Tier 1 risk-based capital ratio | 8.4502% | 6,790 |
| Total risk-based capital ratio | 9.7305% | 6,790 |
| Memoranda: | ||
| Average total assets | $93,848,670 | 4,964 |
| Average earning assets | $89,180,330 | 4,865 |
| Average equity | $4,893,000 | 6,215 |
| Average total loans | $64,804,670 | 4,507 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7073% | 1,517 |
| Cost of funding earning assets | 0.6929% | 2,282 |
| Net interest margin | 4.0144% | 1,730 |
| Noninterest income to average assets | 0.3741% | 4,672 |
| Noninterest expense to average assets | 2.9548% | 3,143 |
| Loan and lease loss provision to assets | 1.1692% | 138 |
| Net operating income to assets | 0.0680% | 6,212 |
| Return on assets (ROA) | 0.0680% | 6,298 |
| Pretax return on assets | 0.0680% | 6,307 |
| Return on Equity (ROE) | 1.2932% | 6,150 |
| Retained earnings to average equity (ytd only) | 1.2932% | 5,335 |
| Net charge-offs to loans | 0.4683% | 1,279 |
| Credit loss provision to net charge-offs | 361.8421% | 693 |
| Earnings coverage of net charge-offs (x) | 3.8289% | 2,667 |
| Efficiency ratio | 70.4868% | 3,895 |
| Assets per employee ($millions) | 4.4944% | 2,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2214% | 532 |
| Loan loss allowance to noncurrent loans | 79.5254% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 3.9732% | 1,011 |
| Noncurrent loans to loans | 4.0507% | 1,110 |
| Net loans and leases to total assets | 66.1443% | 2,350 |
| Net loans and leases to deposits | 70.1544% | 3,456 |
| Net loans and leases to core deposits | 72.8774% | 3,713 |
| Total domestic deposits to total assets | 94.2839% | 60 |
| Equity capital to assets | 5.2478% | 6,876 |
| Core capital (leverage) ratio | 5.0401% | 6,873 |
| Tier 1 risk-based capital ratio | 8.3142% | 6,849 |
| Total risk-based capital ratio | 9.5929% | 6,849 |
| Memoranda: | ||
| Average total assets | $94,084,000 | 4,998 |
| Average earning assets | $89,478,500 | 4,898 |
| Average equity | $4,949,000 | 6,262 |
| Average total loans | $64,911,500 | 4,529 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8372% | 2,073 |
| Cost of funding earning assets | 0.9127% | 1,864 |
| Net interest margin | 3.9245% | 2,722 |
| Noninterest income to average assets | 0.0511% | 6,685 |
| Noninterest expense to average assets | 2.9402% | 3,503 |
| Loan and lease loss provision to assets | 3.1040% | 37 |
| Net operating income to assets | -2.2693% | 6,957 |
| Return on assets (ROA) | -2.2693% | 6,961 |
| Pretax return on assets | -2.2693% | 6,960 |
| Return on Equity (ROE) | -32.6459% | 6,964 |
| Retained earnings to average equity (ytd only) | -32.6459% | 6,948 |
| Net charge-offs to loans | 3.5327% | 105 |
| Credit loss provision to net charge-offs | 123.5465% | 2,302 |
| Earnings coverage of net charge-offs (x) | 0.3322% | 5,311 |
| Efficiency ratio | 77.8883% | 2,460 |
| Assets per employee ($millions) | 4.2630% | 3,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8768% | 751 |
| Loan loss allowance to noncurrent loans | 53.5786% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 4.6351% | 880 |
| Noncurrent loans to loans | 5.3693% | 701 |
| Net loans and leases to total assets | 67.6409% | 2,254 |
| Net loans and leases to deposits | 71.7483% | 3,453 |
| Net loans and leases to core deposits | 74.5800% | 3,708 |
| Total domestic deposits to total assets | 94.2752% | 58 |
| Equity capital to assets | 5.2727% | 6,931 |
| Core capital (leverage) ratio | 4.9408% | 6,937 |
| Tier 1 risk-based capital ratio | 8.2713% | 6,900 |
| Total risk-based capital ratio | 9.5463% | 6,901 |
| Memoranda: | ||
| Average total assets | $95,843,000 | 4,944 |
| Average earning assets | $90,941,200 | 4,842 |
| Average equity | $6,662,400 | 5,860 |
| Average total loans | $68,163,200 | 4,418 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9558% | 1,815 |
| Cost of funding earning assets | 0.9576% | 1,806 |
| Net interest margin | 3.9982% | 2,505 |
| Noninterest income to average assets | 0.4123% | 4,537 |
| Noninterest expense to average assets | 3.0386% | 3,101 |
| Loan and lease loss provision to assets | 1.5221% | 208 |
| Net operating income to assets | -0.3584% | 6,623 |
| Return on assets (ROA) | -0.3584% | 6,670 |
| Pretax return on assets | -0.3584% | 6,633 |
| Return on Equity (ROE) | -4.8693% | 6,709 |
| Retained earnings to average equity (ytd only) | -4.8693% | 6,604 |
| Net charge-offs to loans | 1.2815% | 746 |
| Credit loss provision to net charge-offs | 166.1631% | 1,677 |
| Earnings coverage of net charge-offs (x) | 1.2704% | 4,650 |
| Efficiency ratio | 72.3082% | 3,266 |
| Assets per employee ($millions) | 4.3794% | 3,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6162% | 1,066 |
| Loan loss allowance to noncurrent loans | 47.3342% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 5.0973% | 868 |
| Noncurrent loans to loans | 5.5271% | 778 |
| Net loans and leases to total assets | 67.5721% | 2,354 |
| Net loans and leases to deposits | 73.1832% | 3,418 |
| Net loans and leases to core deposits | 76.9994% | 3,605 |
| Total domestic deposits to total assets | 92.3328% | 168 |
| Equity capital to assets | 7.2053% | 6,845 |
| Core capital (leverage) ratio | 6.8659% | 6,824 |
| Tier 1 risk-based capital ratio | 11.1119% | 6,438 |
| Total risk-based capital ratio | 12.3823% | 6,398 |
| Memoranda: | ||
| Average total assets | $96,357,500 | 4,980 |
| Average earning assets | $91,339,250 | 4,874 |
| Average equity | $7,091,750 | 5,801 |
| Average total loans | $68,875,000 | 4,434 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0615% | 1,628 |
| Cost of funding earning assets | 0.9943% | 1,795 |
| Net interest margin | 4.0671% | 2,221 |
| Noninterest income to average assets | 0.4047% | 4,614 |
| Noninterest expense to average assets | 2.9161% | 3,559 |
| Loan and lease loss provision to assets | 1.6604% | 205 |
| Net operating income to assets | -0.3176% | 6,629 |
| Return on assets (ROA) | -0.3176% | 6,686 |
| Pretax return on assets | -0.3176% | 6,652 |
| Return on Equity (ROE) | -4.2847% | 6,739 |
| Retained earnings to average equity (ytd only) | -4.2847% | 6,574 |
| Net charge-offs to loans | 1.0812% | 1,007 |
| Credit loss provision to net charge-offs | 212.7660% | 1,327 |
| Earnings coverage of net charge-offs (x) | 1.7207% | 4,123 |
| Efficiency ratio | 68.4698% | 4,049 |
| Assets per employee ($millions) | 4.3857% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5299% | 1,246 |
| Loan loss allowance to noncurrent loans | 47.1996% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 5.2111% | 894 |
| Noncurrent loans to loans | 5.3600% | 878 |
| Net loans and leases to total assets | 69.3189% | 2,048 |
| Net loans and leases to deposits | 75.2120% | 3,097 |
| Net loans and leases to core deposits | 79.2340% | 3,332 |
| Total domestic deposits to total assets | 92.1647% | 202 |
| Equity capital to assets | 7.3658% | 6,831 |
| Core capital (leverage) ratio | 6.9946% | 6,822 |
| Tier 1 risk-based capital ratio | 10.9847% | 6,506 |
| Total risk-based capital ratio | 12.2534% | 6,474 |
| Memoranda: | ||
| Average total assets | $96,361,330 | 5,000 |
| Average earning assets | $91,317,330 | 4,888 |
| Average equity | $7,141,670 | 5,804 |
| Average total loans | $69,549,330 | 4,430 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1383% | 1,468 |
| Cost of funding earning assets | 1.0426% | 1,725 |
| Net interest margin | 4.0958% | 2,106 |
| Noninterest income to average assets | 0.3863% | 4,778 |
| Noninterest expense to average assets | 2.8495% | 3,827 |
| Loan and lease loss provision to assets | 1.2461% | 299 |
| Net operating income to assets | 0.1745% | 6,055 |
| Return on assets (ROA) | 0.1745% | 6,198 |
| Pretax return on assets | 0.1745% | 6,245 |
| Return on Equity (ROE) | 2.3467% | 5,962 |
| Retained earnings to average equity (ytd only) | 2.3467% | 5,084 |
| Net charge-offs to loans | 1.3197% | 771 |
| Credit loss provision to net charge-offs | 129.8701% | 1,870 |
| Earnings coverage of net charge-offs (x) | 1.4805% | 3,584 |
| Efficiency ratio | 66.7315% | 4,420 |
| Assets per employee ($millions) | 4.4020% | 3,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9817% | 2,416 |
| Loan loss allowance to noncurrent loans | 39.9133% | 5,624 |
| Noncurrent assets plus other real estate owned to assets | 5.0823% | 1,015 |
| Noncurrent loans to loans | 4.9651% | 1,139 |
| Net loans and leases to total assets | 70.5302% | 1,663 |
| Net loans and leases to deposits | 76.5245% | 2,724 |
| Net loans and leases to core deposits | 81.4114% | 2,907 |
| Total domestic deposits to total assets | 92.1669% | 230 |
| Equity capital to assets | 7.4139% | 6,815 |
| Core capital (leverage) ratio | 7.2059% | 6,765 |
| Tier 1 risk-based capital ratio | 11.1796% | 6,459 |
| Total risk-based capital ratio | 12.4418% | 6,436 |
| Memoranda: | ||
| Average total assets | $96,299,000 | 5,032 |
| Average earning assets | $91,314,000 | 4,925 |
| Average equity | $7,159,000 | 5,819 |
| Average total loans | $70,014,500 | 4,449 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0994% | 2,460 |
| Cost of funding earning assets | 1.3217% | 1,386 |
| Net interest margin | 3.7777% | 3,935 |
| Noninterest income to average assets | 1.2680% | 806 |
| Noninterest expense to average assets | 2.9972% | 3,605 |
| Loan and lease loss provision to assets | 2.1570% | 241 |
| Net operating income to assets | -0.2997% | 6,343 |
| Return on assets (ROA) | -0.2997% | 6,394 |
| Pretax return on assets | -0.2997% | 6,352 |
| Return on Equity (ROE) | -3.9228% | 6,466 |
| Retained earnings to average equity (ytd only) | -3.9228% | 6,364 |
| Net charge-offs to loans | 2.8045% | 376 |
| Credit loss provision to net charge-offs | 104.1708% | 3,305 |
| Earnings coverage of net charge-offs (x) | 0.8970% | 5,139 |
| Efficiency ratio | 61.7413% | 5,499 |
| Assets per employee ($millions) | 4.7877% | 2,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8651% | 2,669 |
| Loan loss allowance to noncurrent loans | 38.6223% | 5,690 |
| Noncurrent assets plus other real estate owned to assets | 5.0098% | 1,066 |
| Noncurrent loans to loans | 4.8292% | 1,197 |
| Net loans and leases to total assets | 72.0928% | 1,633 |
| Net loans and leases to deposits | 78.2558% | 2,793 |
| Net loans and leases to core deposits | 83.6993% | 2,927 |
| Total domestic deposits to total assets | 92.1245% | 223 |
| Equity capital to assets | 7.4546% | 6,827 |
| Core capital (leverage) ratio | 7.0267% | 6,853 |
| Tier 1 risk-based capital ratio | 10.6929% | 6,610 |
| Total risk-based capital ratio | 11.9522% | 6,576 |
| Memoranda: | ||
| Average total assets | $98,425,600 | 4,934 |
| Average earning assets | $93,442,200 | 4,825 |
| Average equity | $7,520,200 | 5,710 |
| Average total loans | $72,669,800 | 4,392 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1219% | 2,507 |
| Cost of funding earning assets | 1.3790% | 1,323 |
| Net interest margin | 3.7430% | 4,144 |
| Noninterest income to average assets | 1.5150% | 572 |
| Noninterest expense to average assets | 2.8780% | 4,024 |
| Loan and lease loss provision to assets | 1.0764% | 769 |
| Net operating income to assets | 1.1127% | 1,924 |
| Return on assets (ROA) | 1.1127% | 2,064 |
| Pretax return on assets | 1.1141% | 2,953 |
| Return on Equity (ROE) | 14.4784% | 945 |
| Retained earnings to average equity (ytd only) | 14.4784% | 269 |
| Net charge-offs to loans | 1.5635% | 909 |
| Credit loss provision to net charge-offs | 93.1315% | 3,663 |
| Earnings coverage of net charge-offs (x) | 1.8952% | 4,241 |
| Efficiency ratio | 56.7826% | 6,174 |
| Assets per employee ($millions) | 4.9790% | 2,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6338% | 3,512 |
| Loan loss allowance to noncurrent loans | 32.8736% | 6,091 |
| Noncurrent assets plus other real estate owned to assets | 5.3846% | 1,046 |
| Noncurrent loans to loans | 4.9699% | 1,256 |
| Net loans and leases to total assets | 70.6186% | 1,959 |
| Net loans and leases to deposits | 77.4062% | 3,098 |
| Net loans and leases to core deposits | 82.6287% | 3,238 |
| Total domestic deposits to total assets | 91.2312% | 370 |
| Equity capital to assets | 8.3762% | 6,419 |
| Core capital (leverage) ratio | 8.1665% | 6,171 |
| Tier 1 risk-based capital ratio | 12.1129% | 5,806 |
| Total risk-based capital ratio | 13.3689% | 5,795 |
| Memoranda: | ||
| Average total assets | $99,093,750 | 4,951 |
| Average earning assets | $94,076,500 | 4,848 |
| Average equity | $7,615,750 | 5,716 |
| Average total loans | $73,251,500 | 4,410 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1387% | 2,521 |
| Cost of funding earning assets | 1.4527% | 1,187 |
| Net interest margin | 3.6860% | 4,334 |
| Noninterest income to average assets | 0.3983% | 4,693 |
| Noninterest expense to average assets | 2.8686% | 4,147 |
| Loan and lease loss provision to assets | 1.0108% | 858 |
| Net operating income to assets | 0.0202% | 6,191 |
| Return on assets (ROA) | 0.0202% | 6,271 |
| Pretax return on assets | 0.0222% | 6,238 |
| Return on Equity (ROE) | 0.2712% | 6,249 |
| Retained earnings to average equity (ytd only) | 0.2712% | 5,730 |
| Net charge-offs to loans | 1.4843% | 1,001 |
| Credit loss provision to net charge-offs | 91.2409% | 3,421 |
| Earnings coverage of net charge-offs (x) | 0.9325% | 4,603 |
| Efficiency ratio | 73.5233% | 3,461 |
| Assets per employee ($millions) | 4.7497% | 2,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6088% | 3,663 |
| Loan loss allowance to noncurrent loans | 25.4974% | 6,499 |
| Noncurrent assets plus other real estate owned to assets | 5.1201% | 1,192 |
| Noncurrent loans to loans | 6.3097% | 906 |
| Net loans and leases to total assets | 72.2901% | 1,733 |
| Net loans and leases to deposits | 78.5269% | 3,035 |
| Net loans and leases to core deposits | 83.9934% | 3,211 |
| Total domestic deposits to total assets | 92.0577% | 226 |
| Equity capital to assets | 7.4912% | 6,949 |
| Core capital (leverage) ratio | 7.2469% | 6,894 |
| Tier 1 risk-based capital ratio | 10.7935% | 6,666 |
| Total risk-based capital ratio | 12.0500% | 6,632 |
| Memoranda: | ||
| Average total assets | $98,931,670 | 4,991 |
| Average earning assets | $94,032,330 | 4,884 |
| Average equity | $7,374,000 | 5,811 |
| Average total loans | $73,838,670 | 4,433 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2236% | 2,144 |
| Cost of funding earning assets | 1.5041% | 1,146 |
| Net interest margin | 3.7195% | 4,003 |
| Noninterest income to average assets | 0.3735% | 4,923 |
| Noninterest expense to average assets | 2.8378% | 4,302 |
| Loan and lease loss provision to assets | 0.8120% | 1,035 |
| Net operating income to assets | 0.2477% | 5,622 |
| Return on assets (ROA) | 0.2477% | 5,690 |
| Pretax return on assets | 0.2477% | 5,815 |
| Return on Equity (ROE) | 3.3311% | 5,224 |
| Retained earnings to average equity (ytd only) | 3.3311% | 4,185 |
| Net charge-offs to loans | 1.4734% | 922 |
| Credit loss provision to net charge-offs | 73.2601% | 3,296 |
| Earnings coverage of net charge-offs (x) | 0.9560% | 3,937 |
| Efficiency ratio | 72.8125% | 3,712 |
| Assets per employee ($millions) | 4.7014% | 2,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 3,860 |
| Loan loss allowance to noncurrent loans | 29.1635% | 6,345 |
| Noncurrent assets plus other real estate owned to assets | 4.5336% | 1,426 |
| Noncurrent loans to loans | 5.3890% | 1,217 |
| Net loans and leases to total assets | 73.2037% | 1,481 |
| Net loans and leases to deposits | 79.5024% | 2,807 |
| Net loans and leases to core deposits | 84.3091% | 3,128 |
| Total domestic deposits to total assets | 92.0774% | 263 |
| Equity capital to assets | 7.5063% | 6,864 |
| Core capital (leverage) ratio | 7.3915% | 6,797 |
| Tier 1 risk-based capital ratio | 10.8529% | 6,607 |
| Total risk-based capital ratio | 12.1088% | 6,582 |
| Memoranda: | ||
| Average total assets | $98,525,500 | 5,038 |
| Average earning assets | $93,346,000 | 4,931 |
| Average equity | $7,325,000 | 5,836 |
| Average total loans | $74,116,000 | 4,458 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4574% | 2,445 |
| Cost of funding earning assets | 1.8786% | 915 |
| Net interest margin | 3.5788% | 4,919 |
| Noninterest income to average assets | 0.6956% | 2,860 |
| Noninterest expense to average assets | 3.4591% | 2,282 |
| Loan and lease loss provision to assets | 1.9571% | 681 |
| Net operating income to assets | -1.3972% | 6,873 |
| Return on assets (ROA) | -1.3972% | 6,892 |
| Pretax return on assets | -1.3972% | 6,817 |
| Return on Equity (ROE) | -16.7312% | 6,972 |
| Retained earnings to average equity (ytd only) | -16.7312% | 6,941 |
| Net charge-offs to loans | 2.3428% | 823 |
| Credit loss provision to net charge-offs | 111.1678% | 3,948 |
| Earnings coverage of net charge-offs (x) | 0.3180% | 5,792 |
| Efficiency ratio | 86.0690% | 1,690 |
| Assets per employee ($millions) | 4.4691% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6403% | 3,426 |
| Loan loss allowance to noncurrent loans | 33.3424% | 6,089 |
| Noncurrent assets plus other real estate owned to assets | 4.0337% | 1,684 |
| Noncurrent loans to loans | 4.9195% | 1,380 |
| Net loans and leases to total assets | 74.8335% | 1,510 |
| Net loans and leases to deposits | 81.2772% | 2,934 |
| Net loans and leases to core deposits | 86.2012% | 3,294 |
| Total domestic deposits to total assets | 92.0719% | 266 |
| Equity capital to assets | 7.3626% | 6,963 |
| Core capital (leverage) ratio | 7.0828% | 6,986 |
| Tier 1 risk-based capital ratio | 10.5495% | 6,668 |
| Total risk-based capital ratio | 11.8068% | 6,638 |
| Memoranda: | ||
| Average total assets | $100,200,400 | 4,982 |
| Average earning assets | $93,048,200 | 4,917 |
| Average equity | $8,367,600 | 5,597 |
| Average total loans | $75,293,800 | 4,475 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5590% | 2,217 |
| Cost of funding earning assets | 1.9549% | 867 |
| Net interest margin | 3.6041% | 4,852 |
| Noninterest income to average assets | 0.3377% | 5,459 |
| Noninterest expense to average assets | 2.6224% | 5,238 |
| Loan and lease loss provision to assets | 1.2185% | 1,171 |
| Net operating income to assets | -0.1775% | 6,291 |
| Return on assets (ROA) | -0.1775% | 6,363 |
| Pretax return on assets | -0.1775% | 6,303 |
| Return on Equity (ROE) | -2.0655% | 6,412 |
| Retained earnings to average equity (ytd only) | -2.0655% | 6,213 |
| Net charge-offs to loans | 1.2977% | 1,570 |
| Credit loss provision to net charge-offs | 125.3406% | 3,266 |
| Earnings coverage of net charge-offs (x) | 1.0708% | 4,985 |
| Efficiency ratio | 71.5835% | 3,784 |
| Assets per employee ($millions) | 4.6302% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5853% | 3,593 |
| Loan loss allowance to noncurrent loans | 33.3699% | 6,103 |
| Noncurrent assets plus other real estate owned to assets | 3.8875% | 1,818 |
| Noncurrent loans to loans | 4.7505% | 1,484 |
| Net loans and leases to total assets | 74.1089% | 1,778 |
| Net loans and leases to deposits | 81.5511% | 3,183 |
| Net loans and leases to core deposits | 85.4831% | 3,730 |
| Total domestic deposits to total assets | 90.8742% | 490 |
| Equity capital to assets | 8.5417% | 6,229 |
| Core capital (leverage) ratio | 8.3923% | 5,710 |
| Tier 1 risk-based capital ratio | 11.8252% | 5,613 |
| Total risk-based capital ratio | 13.0803% | 5,589 |
| Memoranda: | ||
| Average total assets | $100,670,250 | 5,026 |
| Average earning assets | $92,891,750 | 4,979 |
| Average equity | $8,649,750 | 5,583 |
| Average total loans | $75,416,250 | 4,545 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5160% | 2,456 |
| Cost of funding earning assets | 2.0759% | 721 |
| Net interest margin | 3.4401% | 5,480 |
| Noninterest income to average assets | 0.3451% | 5,388 |
| Noninterest expense to average assets | 2.5650% | 5,474 |
| Loan and lease loss provision to assets | 1.1967% | 1,171 |
| Net operating income to assets | -0.2733% | 6,444 |
| Return on assets (ROA) | -0.2733% | 6,488 |
| Pretax return on assets | -0.2733% | 6,394 |
| Return on Equity (ROE) | -3.1740% | 6,533 |
| Retained earnings to average equity (ytd only) | -3.1740% | 6,322 |
| Net charge-offs to loans | 1.0669% | 1,764 |
| Credit loss provision to net charge-offs | 150.0000% | 2,617 |
| Earnings coverage of net charge-offs (x) | 1.1575% | 4,639 |
| Efficiency ratio | 73.5277% | 3,556 |
| Assets per employee ($millions) | 4.5175% | 2,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5989% | 3,449 |
| Loan loss allowance to noncurrent loans | 28.9958% | 6,430 |
| Noncurrent assets plus other real estate owned to assets | 4.5137% | 1,472 |
| Noncurrent loans to loans | 5.5142% | 1,198 |
| Net loans and leases to total assets | 76.1657% | 1,468 |
| Net loans and leases to deposits | 83.9876% | 2,870 |
| Net loans and leases to core deposits | 88.2169% | 3,515 |
| Total domestic deposits to total assets | 90.6868% | 606 |
| Equity capital to assets | 8.7246% | 5,849 |
| Core capital (leverage) ratio | 8.2735% | 5,818 |
| Tier 1 risk-based capital ratio | 11.8279% | 5,460 |
| Total risk-based capital ratio | 13.0840% | 5,427 |
| Memoranda: | ||
| Average total assets | $100,272,000 | 5,066 |
| Average earning assets | $91,624,000 | 5,043 |
| Average equity | $8,632,670 | 5,600 |
| Average total loans | $74,986,000 | 4,602 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9277% | 1,134 |
| Cost of funding earning assets | 2.1912% | 604 |
| Net interest margin | 3.7365% | 4,069 |
| Noninterest income to average assets | 0.3416% | 5,409 |
| Noninterest expense to average assets | 2.5379% | 5,584 |
| Loan and lease loss provision to assets | 1.1915% | 1,023 |
| Net operating income to assets | -0.0556% | 6,377 |
| Return on assets (ROA) | -0.0556% | 6,462 |
| Pretax return on assets | -0.0556% | 6,417 |
| Return on Equity (ROE) | -0.6501% | 6,485 |
| Retained earnings to average equity (ytd only) | -0.6501% | 5,981 |
| Net charge-offs to loans | 0.9998% | 1,641 |
| Credit loss provision to net charge-offs | 162.1622% | 2,229 |
| Earnings coverage of net charge-offs (x) | 1.5459% | 3,804 |
| Efficiency ratio | 69.0811% | 4,491 |
| Assets per employee ($millions) | 4.8347% | 2,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5371% | 3,708 |
| Loan loss allowance to noncurrent loans | 72.5142% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.8921% | 3,645 |
| Noncurrent loans to loans | 2.1197% | 3,625 |
| Net loans and leases to total assets | 72.2421% | 2,402 |
| Net loans and leases to deposits | 79.4700% | 3,752 |
| Net loans and leases to core deposits | 83.6529% | 4,255 |
| Total domestic deposits to total assets | 90.9050% | 583 |
| Equity capital to assets | 8.5100% | 5,988 |
| Core capital (leverage) ratio | 8.3988% | 5,563 |
| Tier 1 risk-based capital ratio | 12.2038% | 4,990 |
| Total risk-based capital ratio | 13.4579% | 4,958 |
| Memoranda: | ||
| Average total assets | $100,715,000 | 5,124 |
| Average earning assets | $89,815,500 | 5,172 |
| Average equity | $8,613,500 | 5,658 |
| Average total loans | $74,015,000 | 4,715 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9848% | 1,928 |
| Cost of funding earning assets | 2.6628% | 648 |
| Net interest margin | 3.3220% | 5,658 |
| Noninterest income to average assets | 0.3642% | 5,485 |
| Noninterest expense to average assets | 2.5889% | 5,831 |
| Loan and lease loss provision to assets | 0.9640% | 2,345 |
| Net operating income to assets | -0.1612% | 5,782 |
| Return on assets (ROA) | -0.1612% | 5,785 |
| Pretax return on assets | -0.1612% | 5,661 |
| Return on Equity (ROE) | -1.9557% | 5,853 |
| Retained earnings to average equity (ytd only) | -3.9486% | 5,855 |
| Net charge-offs to loans | 1.3210% | 1,889 |
| Credit loss provision to net charge-offs | 98.1308% | 5,677 |
| Earnings coverage of net charge-offs (x) | 0.8172% | 5,293 |
| Efficiency ratio | 76.3308% | 3,470 |
| Assets per employee ($millions) | 4.7572% | 2,536 |
| Cash dividends to net income (ytd only)* | -101.8987% | 7,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4006% | 4,233 |
| Loan loss allowance to noncurrent loans | 67.6741% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.8698% | 3,569 |
| Noncurrent loans to loans | 2.0697% | 3,561 |
| Net loans and leases to total assets | 72.5801% | 2,611 |
| Net loans and leases to deposits | 80.0338% | 3,979 |
| Net loans and leases to core deposits | 116.7786% | 2,239 |
| Total domestic deposits to total assets | 90.6869% | 664 |
| Equity capital to assets | 8.5954% | 5,733 |
| Core capital (leverage) ratio | 8.4370% | 5,376 |
| Tier 1 risk-based capital ratio | 12.1994% | 4,772 |
| Total risk-based capital ratio | 13.4530% | 4,730 |
| Memoranda: | ||
| Average total assets | $98,033,000 | 5,139 |
| Average earning assets | $89,342,800 | 5,146 |
| Average equity | $8,078,800 | 5,899 |
| Average total loans | $72,897,000 | 4,766 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9423% | 2,266 |
| Cost of funding earning assets | 2.7488% | 689 |
| Net interest margin | 3.1935% | 6,046 |
| Noninterest income to average assets | 0.3553% | 5,651 |
| Noninterest expense to average assets | 2.5746% | 5,807 |
| Loan and lease loss provision to assets | 0.7448% | 2,508 |
| Net operating income to assets | -0.0396% | 5,780 |
| Return on assets (ROA) | -0.0396% | 5,837 |
| Pretax return on assets | -0.0396% | 5,768 |
| Return on Equity (ROE) | -0.4863% | 5,854 |
| Retained earnings to average equity (ytd only) | -3.1858% | 5,974 |
| Net charge-offs to loans | 0.8762% | 2,216 |
| Credit loss provision to net charge-offs | 114.0167% | 4,457 |
| Earnings coverage of net charge-offs (x) | 1.0795% | 4,977 |
| Efficiency ratio | 78.5000% | 3,083 |
| Assets per employee ($millions) | 4.6702% | 2,603 |
| Cash dividends to net income (ytd only)* | -555.1073% | 8,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5081% | 3,392 |
| Loan loss allowance to noncurrent loans | 190.5983% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.9462% | 5,173 |
| Noncurrent loans to loans | 0.7912% | 5,713 |
| Net loans and leases to total assets | 74.2483% | 2,455 |
| Net loans and leases to deposits | 81.2712% | 4,156 |
| Net loans and leases to core deposits | 119.5970% | 2,278 |
| Total domestic deposits to total assets | 91.3587% | 289 |
| Equity capital to assets | 8.0795% | 6,771 |
| Core capital (leverage) ratio | 7.8353% | 6,572 |
| Tier 1 risk-based capital ratio | 10.9138% | 6,035 |
| Total risk-based capital ratio | 12.1685% | 5,991 |
| Memoranda: | ||
| Average total assets | $97,565,750 | 5,190 |
| Average earning assets | $89,345,250 | 5,184 |
| Average equity | $7,951,750 | 5,998 |
| Average total loans | $72,736,500 | 4,821 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8463% | 2,825 |
| Cost of funding earning assets | 2.8459% | 701 |
| Net interest margin | 3.0004% | 6,555 |
| Noninterest income to average assets | 0.3450% | 5,745 |
| Noninterest expense to average assets | 2.5668% | 5,874 |
| Loan and lease loss provision to assets | 0.6468% | 2,490 |
| Net operating income to assets | -0.1170% | 6,042 |
| Return on assets (ROA) | -0.1170% | 6,077 |
| Pretax return on assets | -0.1170% | 6,017 |
| Return on Equity (ROE) | -1.4320% | 6,137 |
| Retained earnings to average equity (ytd only) | -5.4767% | 6,371 |
| Net charge-offs to loans | 0.7244% | 2,244 |
| Credit loss provision to net charge-offs | 120.2290% | 3,863 |
| Earnings coverage of net charge-offs (x) | 0.9847% | 4,796 |
| Efficiency ratio | 82.8912% | 2,615 |
| Assets per employee ($millions) | 4.6113% | 2,584 |
| Cash dividends to net income (ytd only)* | -282.4561% | 8,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5061% | 3,153 |
| Loan loss allowance to noncurrent loans | 97.6930% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 1.2413% | 4,452 |
| Noncurrent loans to loans | 1.5417% | 4,186 |
| Net loans and leases to total assets | 74.3538% | 2,606 |
| Net loans and leases to deposits | 81.4106% | 4,318 |
| Net loans and leases to core deposits | 120.3805% | 2,338 |
| Total domestic deposits to total assets | 91.3318% | 360 |
| Equity capital to assets | 8.0517% | 6,689 |
| Core capital (leverage) ratio | 7.7369% | 6,696 |
| Tier 1 risk-based capital ratio | 11.0115% | 5,861 |
| Total risk-based capital ratio | 12.2660% | 5,787 |
| Memoranda: | ||
| Average total assets | $97,396,000 | 5,237 |
| Average earning assets | $89,321,330 | 5,224 |
| Average equity | $7,961,000 | 6,034 |
| Average total loans | $72,337,330 | 4,871 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1012% | 1,938 |
| Cost of funding earning assets | 2.9239% | 728 |
| Net interest margin | 3.1773% | 5,932 |
| Noninterest income to average assets | 0.3235% | 5,866 |
| Noninterest expense to average assets | 2.4203% | 6,131 |
| Loan and lease loss provision to assets | 0.6143% | 2,051 |
| Net operating income to assets | 0.1638% | 5,774 |
| Return on assets (ROA) | 0.1638% | 5,943 |
| Pretax return on assets | 0.1638% | 6,020 |
| Return on Equity (ROE) | 1.9893% | 5,779 |
| Retained earnings to average equity (ytd only) | -6.0177% | 6,687 |
| Net charge-offs to loans | 0.4670% | 2,280 |
| Credit loss provision to net charge-offs | 178.5714% | 2,429 |
| Earnings coverage of net charge-offs (x) | 2.2619% | 3,603 |
| Efficiency ratio | 75.6722% | 3,540 |
| Assets per employee ($millions) | 4.7022% | 2,433 |
| Cash dividends to net income (ytd only)* | 402.5000% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5413% | 2,761 |
| Loan loss allowance to noncurrent loans | 149.1299% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 1.2284% | 4,229 |
| Noncurrent loans to loans | 1.0336% | 4,921 |
| Net loans and leases to total assets | 72.0647% | 3,231 |
| Net loans and leases to deposits | 78.9327% | 4,781 |
| Net loans and leases to core deposits | 116.6995% | 2,721 |
| Total domestic deposits to total assets | 91.2989% | 325 |
| Equity capital to assets | 8.1239% | 6,643 |
| Core capital (leverage) ratio | 7.7749% | 6,784 |
| Tier 1 risk-based capital ratio | 11.1166% | 5,798 |
| Total risk-based capital ratio | 12.3712% | 5,710 |
| Memoranda: | ||
| Average total assets | $97,675,500 | 5,250 |
| Average earning assets | $88,376,500 | 5,276 |
| Average equity | $8,043,000 | 6,048 |
| Average total loans | $71,954,500 | 4,909 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6476% | 2,257 |
| Cost of funding earning assets | 3.3959% | 716 |
| Net interest margin | 3.2517% | 6,208 |
| Noninterest income to average assets | 0.2874% | 6,410 |
| Noninterest expense to average assets | 2.4542% | 6,188 |
| Loan and lease loss provision to assets | 0.5698% | 2,545 |
| Net operating income to assets | 0.0151% | 6,327 |
| Return on assets (ROA) | 0.0151% | 6,184 |
| Pretax return on assets | 0.2533% | 5,622 |
| Return on Equity (ROE) | 0.1779% | 6,175 |
| Retained earnings to average equity (ytd only) | -4.3757% | 6,396 |
| Net charge-offs to loans | 0.6024% | 2,031 |
| Credit loss provision to net charge-offs | 129.4521% | 4,115 |
| Earnings coverage of net charge-offs (x) | 1.8699% | 5,135 |
| Efficiency ratio | 74.8850% | 3,415 |
| Assets per employee ($millions) | 4.6002% | 2,475 |
| Cash dividends to net income (ytd only)* | 2,560.0000% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4630% | 2,864 |
| Loan loss allowance to noncurrent loans | 155.4896% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 1.2473% | 3,732 |
| Noncurrent loans to loans | 0.9409% | 4,730 |
| Net loans and leases to total assets | 73.0666% | 3,344 |
| Net loans and leases to deposits | 80.3200% | 4,991 |
| Net loans and leases to core deposits | 119.4167% | 2,747 |
| Total domestic deposits to total assets | 90.9694% | 338 |
| Equity capital to assets | 8.3474% | 6,350 |
| Core capital (leverage) ratio | 7.9512% | 6,569 |
| Tier 1 risk-based capital ratio | 11.3437% | 5,397 |
| Total risk-based capital ratio | 12.6113% | 5,275 |
| Memoranda: | ||
| Average total assets | $99,503,600 | 5,065 |
| Average earning assets | $91,492,000 | 5,044 |
| Average equity | $8,433,000 | 5,931 |
| Average total loans | $72,708,000 | 4,781 |