Home > Bank of Salem > Performance and Condition Ratios
Bank of Salem, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1754% | 3,675 |
| Cost of funding earning assets | 1.5669% | 1,778 |
| Net interest margin | 2.6085% | 3,951 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.1889% | 3,157 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.4420% | 3,783 |
| Return on assets (ROA) | 0.4200% | 3,828 |
| Pretax return on assets | 0.4795% | 3,848 |
| Return on Equity (ROE) | 6.5900% | 3,391 |
| Retained earnings to average equity (ytd only) | 3.1290% | 3,237 |
| Net charge-offs to loans | 0.0157% | 2,078 |
| Credit loss provision to net charge-offs | 692.8571% | 535 |
| Earnings coverage of net charge-offs (x) | 56.8571% | 1,219 |
| Efficiency ratio | 78.8971% | 997 |
| Assets per employee ($millions) | 6.0123% | 2,814 |
| Cash dividends to net income (ytd only)* | 52.5394% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7423% | 4,065 |
| Loan loss allowance to noncurrent loans | 99.1770% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 1,106 |
| Noncurrent loans to loans | 0.7485% | 1,043 |
| Net loans and leases to total assets | 67.0000% | 2,148 |
| Net loans and leases to deposits | 76.6147% | 2,390 |
| Net loans and leases to core deposits | 79.5245% | 2,733 |
| Total domestic deposits to total assets | 87.4500% | 1,537 |
| Equity capital to assets | 6.4362% | 4,137 |
| Core capital (leverage) ratio | 8.4452% | 4,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8449% | 1,920 |
| Memoranda: | ||
| Average total assets | $135,961,200 | 3,494 |
| Average earning assets | $124,897,400 | 3,490 |
| Average equity | $8,661,000 | 3,861 |
| Average total loans | $89,278,000 | 3,297 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0592% | 3,736 |
| Cost of funding earning assets | 1.4326% | 1,784 |
| Net interest margin | 2.6266% | 3,993 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.1990% | 3,079 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.4610% | 3,846 |
| Return on assets (ROA) | 0.4312% | 3,907 |
| Pretax return on assets | 0.4900% | 3,918 |
| Return on Equity (ROE) | 6.7900% | 3,485 |
| Retained earnings to average equity (ytd only) | 6.7884% | 2,361 |
| Net charge-offs to loans | 0.0168% | 1,798 |
| Credit loss provision to net charge-offs | 754.5455% | 488 |
| Earnings coverage of net charge-offs (x) | 55.8182% | 1,248 |
| Efficiency ratio | 78.2424% | 993 |
| Assets per employee ($millions) | 5.6920% | 3,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7631% | 4,048 |
| Loan loss allowance to noncurrent loans | 93.3159% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.5585% | 1,044 |
| Noncurrent loans to loans | 0.8178% | 1,009 |
| Net loans and leases to total assets | 67.7800% | 2,070 |
| Net loans and leases to deposits | 76.1548% | 2,396 |
| Net loans and leases to core deposits | 79.1554% | 2,661 |
| Total domestic deposits to total assets | 89.0000% | 1,249 |
| Equity capital to assets | 6.0157% | 3,982 |
| Core capital (leverage) ratio | 8.8878% | 3,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4452% | 1,732 |
| Memoranda: | ||
| Average total assets | $133,878,000 | 3,516 |
| Average earning assets | $122,942,750 | 3,518 |
| Average equity | $8,504,500 | 3,880 |
| Average total loans | $87,248,250 | 3,331 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9330% | 3,815 |
| Cost of funding earning assets | 1.3126% | 1,675 |
| Net interest margin | 2.6203% | 4,088 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.1870% | 3,114 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.4576% | 3,900 |
| Return on assets (ROA) | 0.4136% | 3,985 |
| Pretax return on assets | 0.4783% | 4,002 |
| Return on Equity (ROE) | 6.4000% | 3,597 |
| Retained earnings to average equity (ytd only) | 6.3953% | 2,478 |
| Net charge-offs to loans | 0.0282% | 1,324 |
| Credit loss provision to net charge-offs | 400.0000% | 733 |
| Earnings coverage of net charge-offs (x) | 33.5000% | 1,497 |
| Efficiency ratio | 78.3405% | 981 |
| Assets per employee ($millions) | 5.4149% | 3,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7671% | 4,077 |
| Loan loss allowance to noncurrent loans | 90.8602% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.5496% | 985 |
| Noncurrent loans to loans | 0.8443% | 907 |
| Net loans and leases to total assets | 64.6000% | 2,320 |
| Net loans and leases to deposits | 72.3760% | 2,622 |
| Net loans and leases to core deposits | 75.0431% | 2,828 |
| Total domestic deposits to total assets | 89.2500% | 1,157 |
| Equity capital to assets | 6.4629% | 4,005 |
| Core capital (leverage) ratio | 8.9841% | 3,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8908% | 1,601 |
| Memoranda: | ||
| Average total assets | $132,967,667 | 3,541 |
| Average earning assets | $121,892,333 | 3,541 |
| Average equity | $8,600,000 | 3,890 |
| Average total loans | $85,229,667 | 3,362 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8383% | 3,783 |
| Cost of funding earning assets | 1.2309% | 1,380 |
| Net interest margin | 2.6074% | 4,196 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.2343% | 3,000 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.4704% | 3,967 |
| Return on assets (ROA) | 0.3734% | 4,081 |
| Pretax return on assets | 0.3977% | 4,140 |
| Return on Equity (ROE) | 5.7700% | 3,764 |
| Retained earnings to average equity (ytd only) | 5.7709% | 2,828 |
| Net charge-offs to loans | 0.0573% | 798 |
| Credit loss provision to net charge-offs | 150.0000% | 949 |
| Earnings coverage of net charge-offs (x) | 15.2500% | 1,548 |
| Efficiency ratio | 80.0871% | 829 |
| Assets per employee ($millions) | 5.2832% | 3,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7562% | 4,165 |
| Loan loss allowance to noncurrent loans | 93.4877% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.5232% | 988 |
| Noncurrent loans to loans | 0.8088% | 947 |
| Net loans and leases to total assets | 64.1900% | 2,233 |
| Net loans and leases to deposits | 72.2131% | 2,455 |
| Net loans and leases to core deposits | 75.0274% | 2,598 |
| Total domestic deposits to total assets | 88.8900% | 1,582 |
| Equity capital to assets | 6.6701% | 3,979 |
| Core capital (leverage) ratio | 9.0054% | 3,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0017% | 1,627 |
| Memoranda: | ||
| Average total assets | $131,765,500 | 3,594 |
| Average earning assets | $120,885,500 | 3,594 |
| Average equity | $8,525,500 | 3,944 |
| Average total loans | $83,784,500 | 3,414 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4259% | 3,281 |
| Cost of funding earning assets | 0.4621% | 1,636 |
| Net interest margin | 2.9638% | 3,536 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.3025% | 2,724 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.6910% | 3,638 |
| Return on assets (ROA) | 0.6910% | 3,593 |
| Pretax return on assets | 0.8240% | 3,565 |
| Return on Equity (ROE) | 9.8100% | 2,867 |
| Retained earnings to average equity (ytd only) | 5.3924% | 2,875 |
| Net charge-offs to loans | 0.0041% | 2,303 |
| Credit loss provision to net charge-offs | 2,300.0000% | 232 |
| Earnings coverage of net charge-offs (x) | 376.0000% | 412 |
| Efficiency ratio | 72.4003% | 1,397 |
| Assets per employee ($millions) | 5.4771% | 3,240 |
| Cash dividends to net income (ytd only)* | 45.0450% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7524% | 4,129 |
| Loan loss allowance to noncurrent loans | 89.9563% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 0.5226% | 966 |
| Noncurrent loans to loans | 0.8364% | 893 |
| Net loans and leases to total assets | 62.0200% | 2,439 |
| Net loans and leases to deposits | 70.9501% | 2,490 |
| Net loans and leases to core deposits | 73.7753% | 2,582 |
| Total domestic deposits to total assets | 87.4100% | 2,264 |
| Equity capital to assets | 6.2693% | 3,989 |
| Core capital (leverage) ratio | 9.0685% | 3,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2106% | 1,562 |
| Memoranda: | ||
| Average total assets | $128,513,200 | 3,648 |
| Average earning assets | $117,518,000 | 3,649 |
| Average equity | $9,049,800 | 3,989 |
| Average total loans | $72,592,200 | 3,528 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3180% | 3,130 |
| Cost of funding earning assets | 0.3040% | 2,119 |
| Net interest margin | 3.0140% | 3,184 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.2455% | 2,804 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.7920% | 3,294 |
| Return on assets (ROA) | 0.7920% | 3,243 |
| Pretax return on assets | 0.9662% | 3,124 |
| Return on Equity (ROE) | 10.9400% | 2,398 |
| Retained earnings to average equity (ytd only) | 10.9379% | 1,068 |
| Net charge-offs to loans | 0.0076% | 1,856 |
| Credit loss provision to net charge-offs | 750.0000% | 488 |
| Earnings coverage of net charge-offs (x) | 239.0000% | 558 |
| Efficiency ratio | 69.2407% | 1,858 |
| Assets per employee ($millions) | 5.1063% | 3,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7512% | 4,182 |
| Loan loss allowance to noncurrent loans | 80.7263% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 0.5609% | 950 |
| Noncurrent loans to loans | 0.9305% | 838 |
| Net loans and leases to total assets | 59.8200% | 2,522 |
| Net loans and leases to deposits | 67.2893% | 2,606 |
| Net loans and leases to core deposits | 69.2066% | 2,703 |
| Total domestic deposits to total assets | 88.9000% | 2,132 |
| Equity capital to assets | 6.1524% | 3,901 |
| Core capital (leverage) ratio | 9.4179% | 3,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0925% | 1,403 |
| Memoranda: | ||
| Average total assets | $127,779,000 | 3,682 |
| Average earning assets | $116,653,750 | 3,688 |
| Average equity | $9,252,000 | 4,010 |
| Average total loans | $70,205,500 | 3,586 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1932% | 3,066 |
| Cost of funding earning assets | 0.2311% | 2,486 |
| Net interest margin | 2.9621% | 2,999 |
| Noninterest income to average assets | 0.5242% | 2,067 |
| Noninterest expense to average assets | 2.2031% | 2,846 |
| Loan and lease loss provision to assets | 0.0047% | 2,523 |
| Net operating income to assets | 0.8340% | 2,839 |
| Return on assets (ROA) | 0.8340% | 2,815 |
| Pretax return on assets | 1.0233% | 2,645 |
| Return on Equity (ROE) | 10.9693% | 1,986 |
| Retained earnings to average equity (ytd only) | 10.9693% | 787 |
| Net charge-offs to loans | 0.0059% | 1,788 |
| Credit loss provision to net charge-offs | 150.0000% | 1,085 |
| Earnings coverage of net charge-offs (x) | 328.5000% | 373 |
| Efficiency ratio | 68.1840% | 2,214 |
| Assets per employee ($millions) | 5.0430% | 3,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7709% | 4,220 |
| Loan loss allowance to noncurrent loans | 125.1131% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.3506% | 1,599 |
| Noncurrent loans to loans | 0.6162% | 1,379 |
| Net loans and leases to total assets | 56.4577% | 2,701 |
| Net loans and leases to deposits | 62.1651% | 2,878 |
| Net loans and leases to core deposits | 63.9179% | 2,975 |
| Total domestic deposits to total assets | 90.8190% | 1,328 |
| Equity capital to assets | 6.9776% | 3,783 |
| Core capital (leverage) ratio | 9.1857% | 3,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8598% | 1,210 |
| Memoranda: | ||
| Average total assets | $127,819,667 | 3,718 |
| Average earning assets | $116,810,333 | 3,738 |
| Average equity | $9,718,000 | 4,029 |
| Average total loans | $67,959,333 | 3,657 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0499% | 3,109 |
| Cost of funding earning assets | 0.2479% | 2,183 |
| Net interest margin | 2.8019% | 3,135 |
| Noninterest income to average assets | 0.3947% | 2,723 |
| Noninterest expense to average assets | 2.2317% | 2,743 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6092% | 3,366 |
| Return on assets (ROA) | 0.6092% | 3,345 |
| Pretax return on assets | 0.7273% | 3,313 |
| Return on Equity (ROE) | 7.7025% | 2,804 |
| Retained earnings to average equity (ytd only) | 7.7025% | 1,673 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4202% | 1,591 |
| Assets per employee ($millions) | 4.8363% | 3,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8271% | 4,202 |
| Loan loss allowance to noncurrent loans | 125.4545% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.3370% | 1,762 |
| Noncurrent loans to loans | 0.6593% | 1,438 |
| Net loans and leases to total assets | 50.6888% | 3,104 |
| Net loans and leases to deposits | 55.9217% | 3,275 |
| Net loans and leases to core deposits | 57.9465% | 3,303 |
| Total domestic deposits to total assets | 90.6426% | 1,218 |
| Equity capital to assets | 7.2170% | 4,095 |
| Core capital (leverage) ratio | 8.7804% | 3,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7694% | 1,089 |
| Memoranda: | ||
| Average total assets | $128,692,000 | 3,729 |
| Average earning assets | $117,776,000 | 3,746 |
| Average equity | $10,178,500 | 4,034 |
| Average total loans | $66,073,000 | 3,698 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3391% | 3,086 |
| Cost of funding earning assets | 0.2675% | 2,728 |
| Net interest margin | 3.0717% | 2,994 |
| Noninterest income to average assets | 0.3894% | 3,107 |
| Noninterest expense to average assets | 2.2616% | 2,910 |
| Loan and lease loss provision to assets | 0.0169% | 2,738 |
| Net operating income to assets | 0.7603% | 3,458 |
| Return on assets (ROA) | 0.7603% | 3,525 |
| Pretax return on assets | 0.9196% | 3,458 |
| Return on Equity (ROE) | 8.5777% | 3,058 |
| Retained earnings to average equity (ytd only) | 4.9469% | 2,802 |
| Net charge-offs to loans | -0.0576% | 4,392 |
| Credit loss provision to net charge-offs | -56.7568% | 3,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7170% | 1,654 |
| Assets per employee ($millions) | 4.6964% | 3,970 |
| Cash dividends to net income (ytd only)* | 42.3280% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8440% | 4,191 |
| Loan loss allowance to noncurrent loans | 121.3187% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.3588% | 1,791 |
| Noncurrent loans to loans | 0.6957% | 1,447 |
| Net loans and leases to total assets | 51.1439% | 3,158 |
| Net loans and leases to deposits | 57.6181% | 3,285 |
| Net loans and leases to core deposits | 60.1774% | 3,304 |
| Total domestic deposits to total assets | 88.7637% | 1,635 |
| Equity capital to assets | 8.6220% | 3,966 |
| Core capital (leverage) ratio | 8.9692% | 3,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,293,600 | 3,753 |
| Average earning assets | $113,652,200 | 3,767 |
| Average equity | $11,017,000 | 4,033 |
| Average total loans | $64,248,200 | 3,759 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4101% | 3,072 |
| Cost of funding earning assets | 0.2760% | 2,841 |
| Net interest margin | 3.1341% | 2,950 |
| Noninterest income to average assets | 0.3838% | 3,183 |
| Noninterest expense to average assets | 2.2037% | 3,059 |
| Loan and lease loss provision to assets | 0.0226% | 2,541 |
| Net operating income to assets | 0.8733% | 3,319 |
| Return on assets (ROA) | 0.8733% | 3,392 |
| Pretax return on assets | 1.0221% | 3,390 |
| Return on Equity (ROE) | 9.7841% | 2,813 |
| Retained earnings to average equity (ytd only) | 9.7841% | 1,385 |
| Net charge-offs to loans | -0.0709% | 4,485 |
| Credit loss provision to net charge-offs | -61.7647% | 3,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8394% | 1,857 |
| Assets per employee ($millions) | 4.9151% | 3,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8540% | 4,265 |
| Loan loss allowance to noncurrent loans | 111.8126% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 0.3996% | 1,853 |
| Noncurrent loans to loans | 0.7638% | 1,480 |
| Net loans and leases to total assets | 51.8718% | 3,200 |
| Net loans and leases to deposits | 58.9178% | 3,331 |
| Net loans and leases to core deposits | 61.6509% | 3,350 |
| Total domestic deposits to total assets | 88.0410% | 1,822 |
| Equity capital to assets | 9.2734% | 3,592 |
| Core capital (leverage) ratio | 9.1345% | 3,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,666,250 | 3,798 |
| Average earning assets | $113,032,500 | 3,810 |
| Average equity | $11,038,000 | 4,081 |
| Average total loans | $63,959,250 | 3,814 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3944% | 3,197 |
| Cost of funding earning assets | 0.2826% | 2,948 |
| Net interest margin | 3.1118% | 2,999 |
| Noninterest income to average assets | 0.3663% | 3,271 |
| Noninterest expense to average assets | 2.1916% | 3,117 |
| Loan and lease loss provision to assets | 0.0290% | 2,397 |
| Net operating income to assets | 0.8182% | 3,450 |
| Return on assets (ROA) | 0.8182% | 3,520 |
| Pretax return on assets | 0.9893% | 3,467 |
| Return on Equity (ROE) | 9.2866% | 3,015 |
| Retained earnings to average equity (ytd only) | 9.2866% | 1,626 |
| Net charge-offs to loans | -0.0157% | 3,879 |
| Credit loss provision to net charge-offs | -360.0000% | 3,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2755% | 1,846 |
| Assets per employee ($millions) | 5.0055% | 3,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8123% | 4,346 |
| Loan loss allowance to noncurrent loans | 105.5102% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.3916% | 2,037 |
| Noncurrent loans to loans | 0.7698% | 1,562 |
| Net loans and leases to total assets | 50.4507% | 3,509 |
| Net loans and leases to deposits | 57.2838% | 3,616 |
| Net loans and leases to core deposits | 59.3238% | 3,670 |
| Total domestic deposits to total assets | 88.0716% | 1,783 |
| Equity capital to assets | 8.8710% | 3,918 |
| Core capital (leverage) ratio | 8.8505% | 3,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,929,000 | 3,812 |
| Average earning assets | $113,245,333 | 3,820 |
| Average equity | $10,919,000 | 4,105 |
| Average total loans | $63,849,667 | 3,834 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6241% | 2,564 |
| Cost of funding earning assets | 0.3091% | 2,898 |
| Net interest margin | 3.3151% | 2,347 |
| Noninterest income to average assets | 0.3373% | 3,415 |
| Noninterest expense to average assets | 2.2153% | 3,060 |
| Loan and lease loss provision to assets | 0.0292% | 2,402 |
| Net operating income to assets | 0.8141% | 3,377 |
| Return on assets (ROA) | 0.8141% | 3,450 |
| Pretax return on assets | 1.0152% | 3,330 |
| Return on Equity (ROE) | 9.2723% | 2,933 |
| Retained earnings to average equity (ytd only) | 9.2723% | 1,867 |
| Net charge-offs to loans | -0.0188% | 3,967 |
| Credit loss provision to net charge-offs | -300.0000% | 3,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9602% | 1,939 |
| Assets per employee ($millions) | 4.4430% | 4,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7878% | 4,428 |
| Loan loss allowance to noncurrent loans | 105.8577% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.3842% | 2,262 |
| Noncurrent loans to loans | 0.7442% | 1,747 |
| Net loans and leases to total assets | 51.2222% | 3,520 |
| Net loans and leases to deposits | 58.0683% | 3,641 |
| Net loans and leases to core deposits | 60.1427% | 3,688 |
| Total domestic deposits to total assets | 88.2103% | 1,737 |
| Equity capital to assets | 8.6355% | 4,015 |
| Core capital (leverage) ratio | 8.8393% | 3,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,324,500 | 3,827 |
| Average earning assets | $108,716,000 | 3,885 |
| Average equity | $10,828,000 | 4,128 |
| Average total loans | $63,949,500 | 3,846 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6669% | 3,661 |
| Cost of funding earning assets | 0.4265% | 3,424 |
| Net interest margin | 3.2404% | 3,244 |
| Noninterest income to average assets | 0.4536% | 2,851 |
| Noninterest expense to average assets | 2.3926% | 3,153 |
| Loan and lease loss provision to assets | 0.0318% | 3,998 |
| Net operating income to assets | 0.8296% | 2,982 |
| Return on assets (ROA) | 0.8311% | 3,100 |
| Pretax return on assets | 0.9664% | 3,151 |
| Return on Equity (ROE) | 8.8111% | 2,465 |
| Retained earnings to average equity (ytd only) | 5.0617% | 2,248 |
| Net charge-offs to loans | -0.0228% | 4,465 |
| Credit loss provision to net charge-offs | -257.1429% | 3,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5974% | 1,871 |
| Assets per employee ($millions) | 4.3659% | 4,054 |
| Cash dividends to net income (ytd only)* | 42.5532% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7759% | 4,473 |
| Loan loss allowance to noncurrent loans | 93.7381% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.4311% | 2,287 |
| Noncurrent loans to loans | 0.8277% | 1,690 |
| Net loans and leases to total assets | 51.6802% | 3,687 |
| Net loans and leases to deposits | 59.0944% | 3,820 |
| Net loans and leases to core deposits | 61.7508% | 3,843 |
| Total domestic deposits to total assets | 87.4538% | 1,725 |
| Equity capital to assets | 8.9272% | 4,116 |
| Core capital (leverage) ratio | 8.9756% | 3,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,097,000 | 3,842 |
| Average earning assets | $102,456,000 | 3,865 |
| Average equity | $10,668,400 | 4,128 |
| Average total loans | $61,269,200 | 3,896 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8026% | 3,563 |
| Cost of funding earning assets | 0.4596% | 3,471 |
| Net interest margin | 3.3431% | 3,062 |
| Noninterest income to average assets | 0.4945% | 2,634 |
| Noninterest expense to average assets | 2.3583% | 3,260 |
| Loan and lease loss provision to assets | 0.0325% | 3,930 |
| Net operating income to assets | 0.9072% | 2,666 |
| Return on assets (ROA) | 0.9072% | 2,800 |
| Pretax return on assets | 1.1322% | 2,633 |
| Return on Equity (ROE) | 9.4776% | 2,210 |
| Retained earnings to average equity (ytd only) | 9.4776% | 868 |
| Net charge-offs to loans | -0.0396% | 4,609 |
| Credit loss provision to net charge-offs | -150.0000% | 3,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9399% | 2,322 |
| Assets per employee ($millions) | 4.3190% | 4,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7649% | 4,444 |
| Loan loss allowance to noncurrent loans | 88.4268% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.4742% | 2,301 |
| Noncurrent loans to loans | 0.8650% | 1,718 |
| Net loans and leases to total assets | 54.4013% | 3,769 |
| Net loans and leases to deposits | 62.8358% | 3,877 |
| Net loans and leases to core deposits | 65.8395% | 3,899 |
| Total domestic deposits to total assets | 86.5770% | 1,823 |
| Equity capital to assets | 9.5607% | 3,637 |
| Core capital (leverage) ratio | 9.2110% | 3,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,810,250 | 3,869 |
| Average earning assets | $100,384,500 | 3,887 |
| Average equity | $10,607,250 | 4,140 |
| Average total loans | $60,669,000 | 3,922 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9729% | 3,395 |
| Cost of funding earning assets | 0.5048% | 3,506 |
| Net interest margin | 3.4682% | 2,893 |
| Noninterest income to average assets | 0.4096% | 3,018 |
| Noninterest expense to average assets | 2.3789% | 3,313 |
| Loan and lease loss provision to assets | 0.0331% | 3,850 |
| Net operating income to assets | 0.9056% | 2,667 |
| Return on assets (ROA) | 0.9056% | 2,792 |
| Pretax return on assets | 1.1279% | 2,627 |
| Return on Equity (ROE) | 9.4565% | 2,174 |
| Retained earnings to average equity (ytd only) | 9.4565% | 892 |
| Net charge-offs to loans | -0.0738% | 4,783 |
| Credit loss provision to net charge-offs | -81.8182% | 3,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2029% | 2,352 |
| Assets per employee ($millions) | 4.3780% | 3,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7720% | 4,410 |
| Loan loss allowance to noncurrent loans | 85.5124% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.6269% | 1,943 |
| Noncurrent loans to loans | 0.9028% | 1,697 |
| Net loans and leases to total assets | 52.6306% | 3,981 |
| Net loans and leases to deposits | 62.3477% | 3,987 |
| Net loans and leases to core deposits | 65.1022% | 4,018 |
| Total domestic deposits to total assets | 84.4146% | 2,592 |
| Equity capital to assets | 9.2237% | 3,904 |
| Core capital (leverage) ratio | 9.2809% | 3,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,876,000 | 3,880 |
| Average earning assets | $98,265,000 | 3,904 |
| Average equity | $10,426,667 | 4,174 |
| Average total loans | $59,582,667 | 3,956 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0881% | 3,560 |
| Cost of funding earning assets | 0.6480% | 3,180 |
| Net interest margin | 3.4401% | 3,187 |
| Noninterest income to average assets | 0.4261% | 2,930 |
| Noninterest expense to average assets | 2.4642% | 3,381 |
| Loan and lease loss provision to assets | 0.0307% | 3,389 |
| Net operating income to assets | 0.8483% | 2,720 |
| Return on assets (ROA) | 0.8483% | 2,811 |
| Pretax return on assets | 1.0287% | 2,746 |
| Return on Equity (ROE) | 8.6764% | 2,248 |
| Retained earnings to average equity (ytd only) | 8.6764% | 1,060 |
| Net charge-offs to loans | -0.0414% | 4,574 |
| Credit loss provision to net charge-offs | -133.3333% | 3,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9346% | 2,362 |
| Assets per employee ($millions) | 3.7990% | 4,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7873% | 4,444 |
| Loan loss allowance to noncurrent loans | 76.8456% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 0.8043% | 1,687 |
| Noncurrent loans to loans | 1.0245% | 1,621 |
| Net loans and leases to total assets | 56.2711% | 3,818 |
| Net loans and leases to deposits | 65.6114% | 3,890 |
| Net loans and leases to core deposits | 68.9108% | 3,943 |
| Total domestic deposits to total assets | 85.7643% | 2,099 |
| Equity capital to assets | 9.9987% | 3,788 |
| Core capital (leverage) ratio | 9.8523% | 3,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,210,500 | 3,928 |
| Average earning assets | $93,834,000 | 3,969 |
| Average equity | $10,188,500 | 4,218 |
| Average total loans | $58,025,500 | 3,988 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8486% | 4,507 |
| Cost of funding earning assets | 0.7718% | 2,825 |
| Net interest margin | 3.0768% | 4,402 |
| Noninterest income to average assets | 0.6194% | 2,131 |
| Noninterest expense to average assets | 2.4512% | 3,574 |
| Loan and lease loss provision to assets | 0.0285% | 3,447 |
| Net operating income to assets | 0.8695% | 3,320 |
| Return on assets (ROA) | 0.8775% | 3,377 |
| Pretax return on assets | 0.9391% | 3,633 |
| Return on Equity (ROE) | 9.4349% | 2,554 |
| Retained earnings to average equity (ytd only) | 5.3550% | 2,246 |
| Net charge-offs to loans | 0.0577% | 2,277 |
| Credit loss provision to net charge-offs | 93.7500% | 2,607 |
| Earnings coverage of net charge-offs (x) | 31.5938% | 1,532 |
| Efficiency ratio | 71.8776% | 1,885 |
| Assets per employee ($millions) | 4.0711% | 3,824 |
| Cash dividends to net income (ytd only)* | 43.2432% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7672% | 4,402 |
| Loan loss allowance to noncurrent loans | 61.3260% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 0.7652% | 1,693 |
| Noncurrent loans to loans | 1.2510% | 1,201 |
| Net loans and leases to total assets | 54.2570% | 4,060 |
| Net loans and leases to deposits | 62.8145% | 4,152 |
| Net loans and leases to core deposits | 66.1247% | 4,187 |
| Total domestic deposits to total assets | 86.3767% | 1,897 |
| Equity capital to assets | 9.5618% | 4,302 |
| Core capital (leverage) ratio | 9.7047% | 3,838 |
| Tier 1 risk-based capital ratio | 17.1934% | 1,997 |
| Total risk-based capital ratio | 17.9572% | 2,085 |
| Memoranda: | ||
| Average total assets | $105,416,200 | 3,912 |
| Average earning assets | $95,618,000 | 3,940 |
| Average equity | $9,804,000 | 4,268 |
| Average total loans | $55,424,000 | 4,069 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8492% | 4,608 |
| Cost of funding earning assets | 0.7982% | 2,730 |
| Net interest margin | 3.0509% | 4,555 |
| Noninterest income to average assets | 0.6900% | 1,825 |
| Noninterest expense to average assets | 2.3765% | 3,750 |
| Loan and lease loss provision to assets | 0.0291% | 3,322 |
| Net operating income to assets | 1.0071% | 2,957 |
| Return on assets (ROA) | 1.0179% | 2,991 |
| Pretax return on assets | 1.0686% | 3,382 |
| Return on Equity (ROE) | 11.0231% | 2,011 |
| Retained earnings to average equity (ytd only) | 11.0231% | 524 |
| Net charge-offs to loans | 0.0292% | 2,505 |
| Credit loss provision to net charge-offs | 191.6667% | 1,367 |
| Earnings coverage of net charge-offs (x) | 71.4981% | 934 |
| Efficiency ratio | 68.6289% | 2,316 |
| Assets per employee ($millions) | 3.9541% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8199% | 4,351 |
| Loan loss allowance to noncurrent loans | 97.0276% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.5418% | 2,384 |
| Noncurrent loans to loans | 0.8450% | 1,890 |
| Net loans and leases to total assets | 53.7726% | 4,200 |
| Net loans and leases to deposits | 62.7613% | 4,250 |
| Net loans and leases to core deposits | 66.2044% | 4,265 |
| Total domestic deposits to total assets | 85.6780% | 2,126 |
| Equity capital to assets | 10.1063% | 3,913 |
| Core capital (leverage) ratio | 9.7904% | 3,868 |
| Tier 1 risk-based capital ratio | 18.3934% | 1,714 |
| Total risk-based capital ratio | 19.2118% | 1,777 |
| Memoranda: | ||
| Average total assets | $105,308,250 | 3,952 |
| Average earning assets | $95,707,000 | 3,988 |
| Average equity | $9,724,750 | 4,322 |
| Average total loans | $54,811,500 | 4,130 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8189% | 4,688 |
| Cost of funding earning assets | 0.8220% | 2,536 |
| Net interest margin | 2.9968% | 4,696 |
| Noninterest income to average assets | 0.7952% | 1,367 |
| Noninterest expense to average assets | 2.3384% | 3,897 |
| Loan and lease loss provision to assets | 0.0283% | 3,258 |
| Net operating income to assets | 1.0202% | 2,841 |
| Return on assets (ROA) | 1.0269% | 2,896 |
| Pretax return on assets | 1.1494% | 3,078 |
| Return on Equity (ROE) | 11.4701% | 1,800 |
| Retained earnings to average equity (ytd only) | 11.4701% | 490 |
| Net charge-offs to loans | 0.0440% | 2,019 |
| Credit loss provision to net charge-offs | 125.0000% | 1,685 |
| Earnings coverage of net charge-offs (x) | 51.7500% | 1,069 |
| Efficiency ratio | 66.6488% | 2,722 |
| Assets per employee ($millions) | 4.0598% | 3,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8180% | 4,374 |
| Loan loss allowance to noncurrent loans | 130.5233% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.4074% | 2,878 |
| Noncurrent loans to loans | 0.6267% | 2,378 |
| Net loans and leases to total assets | 51.5741% | 4,380 |
| Net loans and leases to deposits | 59.7397% | 4,441 |
| Net loans and leases to core deposits | 62.4644% | 4,485 |
| Total domestic deposits to total assets | 86.3313% | 1,879 |
| Equity capital to assets | 9.5353% | 4,371 |
| Core capital (leverage) ratio | 9.4228% | 4,225 |
| Tier 1 risk-based capital ratio | 18.0361% | 1,799 |
| Total risk-based capital ratio | 18.8448% | 1,867 |
| Memoranda: | ||
| Average total assets | $106,142,000 | 3,955 |
| Average earning assets | $96,101,330 | 4,004 |
| Average equity | $9,503,000 | 4,370 |
| Average total loans | $54,502,330 | 4,164 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7959% | 4,713 |
| Cost of funding earning assets | 0.8458% | 2,292 |
| Net interest margin | 2.9500% | 4,820 |
| Noninterest income to average assets | 1.2214% | 545 |
| Noninterest expense to average assets | 2.3113% | 3,991 |
| Loan and lease loss provision to assets | 0.0263% | 3,082 |
| Net operating income to assets | 1.4218% | 1,318 |
| Return on assets (ROA) | 1.4356% | 1,307 |
| Pretax return on assets | 1.5596% | 1,578 |
| Return on Equity (ROE) | 16.5691% | 521 |
| Retained earnings to average equity (ytd only) | 16.5691% | 199 |
| Net charge-offs to loans | 0.0810% | 1,278 |
| Credit loss provision to net charge-offs | 63.6364% | 1,892 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 1,185 |
| Efficiency ratio | 59.5353% | 3,876 |
| Assets per employee ($millions) | 4.1065% | 3,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8060% | 4,503 |
| Loan loss allowance to noncurrent loans | 109.9502% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.3765% | 3,084 |
| Noncurrent loans to loans | 0.7330% | 2,192 |
| Net loans and leases to total assets | 50.9497% | 4,411 |
| Net loans and leases to deposits | 58.5775% | 4,474 |
| Net loans and leases to core deposits | 61.0199% | 4,531 |
| Total domestic deposits to total assets | 86.9783% | 1,826 |
| Equity capital to assets | 9.0093% | 4,677 |
| Core capital (leverage) ratio | 9.2971% | 4,368 |
| Tier 1 risk-based capital ratio | 17.8079% | 1,851 |
| Total risk-based capital ratio | 18.6070% | 1,939 |
| Memoranda: | ||
| Average total assets | $106,435,500 | 3,995 |
| Average earning assets | $95,999,000 | 4,044 |
| Average equity | $9,222,000 | 4,437 |
| Average total loans | $54,309,500 | 4,203 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6842% | 4,691 |
| Cost of funding earning assets | 0.6002% | 2,717 |
| Net interest margin | 3.0840% | 4,675 |
| Noninterest income to average assets | 0.4139% | 3,356 |
| Noninterest expense to average assets | 2.5630% | 3,431 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5785% | 4,473 |
| Return on assets (ROA) | 0.5701% | 4,505 |
| Pretax return on assets | 0.6477% | 4,536 |
| Return on Equity (ROE) | 6.7915% | 3,897 |
| Retained earnings to average equity (ytd only) | 2.2258% | 4,269 |
| Net charge-offs to loans | -0.0698% | 5,064 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5894% | 993 |
| Assets per employee ($millions) | 4.0809% | 3,773 |
| Cash dividends to net income (ytd only)* | 67.2269% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8293% | 4,436 |
| Loan loss allowance to noncurrent loans | 105.9382% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.3968% | 2,969 |
| Noncurrent loans to loans | 0.7828% | 2,050 |
| Net loans and leases to total assets | 50.2653% | 4,501 |
| Net loans and leases to deposits | 58.5749% | 4,549 |
| Net loans and leases to core deposits | 60.1837% | 4,619 |
| Total domestic deposits to total assets | 85.8138% | 2,320 |
| Equity capital to assets | 8.3174% | 5,038 |
| Core capital (leverage) ratio | 9.2860% | 4,367 |
| Tier 1 risk-based capital ratio | 17.2383% | 1,980 |
| Total risk-based capital ratio | 18.0502% | 2,075 |
| Memoranda: | ||
| Average total assets | $104,369,600 | 4,027 |
| Average earning assets | $94,973,400 | 4,048 |
| Average equity | $8,761,000 | 4,489 |
| Average total loans | $50,116,400 | 4,315 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6563% | 4,717 |
| Cost of funding earning assets | 0.5869% | 2,569 |
| Net interest margin | 3.0694% | 4,755 |
| Noninterest income to average assets | 0.4092% | 3,426 |
| Noninterest expense to average assets | 2.4681% | 3,682 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6528% | 4,360 |
| Return on assets (ROA) | 0.6427% | 4,396 |
| Pretax return on assets | 0.7338% | 4,462 |
| Return on Equity (ROE) | 7.6384% | 3,692 |
| Retained earnings to average equity (ytd only) | 7.6384% | 1,830 |
| Net charge-offs to loans | -0.0949% | 5,149 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8064% | 1,253 |
| Assets per employee ($millions) | 3.6118% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8593% | 4,424 |
| Loan loss allowance to noncurrent loans | 183.5391% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 3,755 |
| Noncurrent loans to loans | 0.4682% | 2,985 |
| Net loans and leases to total assets | 50.8835% | 4,533 |
| Net loans and leases to deposits | 58.7096% | 4,609 |
| Net loans and leases to core deposits | 60.3929% | 4,685 |
| Total domestic deposits to total assets | 86.6698% | 1,884 |
| Equity capital to assets | 8.6927% | 4,802 |
| Core capital (leverage) ratio | 9.5838% | 4,077 |
| Tier 1 risk-based capital ratio | 18.4642% | 1,681 |
| Total risk-based capital ratio | 19.3067% | 1,730 |
| Memoranda: | ||
| Average total assets | $103,936,250 | 4,079 |
| Average earning assets | $94,955,750 | 4,098 |
| Average equity | $8,745,000 | 4,536 |
| Average total loans | $49,200,750 | 4,377 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6029% | 4,763 |
| Cost of funding earning assets | 0.5886% | 2,306 |
| Net interest margin | 3.0143% | 4,858 |
| Noninterest income to average assets | 0.3986% | 3,497 |
| Noninterest expense to average assets | 2.4239% | 3,840 |
| Loan and lease loss provision to assets | 0.0114% | 3,625 |
| Net operating income to assets | 0.5950% | 4,507 |
| Return on assets (ROA) | 0.5950% | 4,510 |
| Pretax return on assets | 0.7075% | 4,490 |
| Return on Equity (ROE) | 7.1480% | 3,853 |
| Retained earnings to average equity (ytd only) | 7.1480% | 2,002 |
| Net charge-offs to loans | -0.1615% | 5,288 |
| Credit loss provision to net charge-offs | -15.3846% | 3,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1238% | 1,296 |
| Assets per employee ($millions) | 3.7287% | 4,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9340% | 4,185 |
| Loan loss allowance to noncurrent loans | 183.8710% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 2,710 |
| Noncurrent loans to loans | 0.5080% | 2,891 |
| Net loans and leases to total assets | 46.3263% | 4,809 |
| Net loans and leases to deposits | 52.9122% | 4,879 |
| Net loans and leases to core deposits | 54.4245% | 4,919 |
| Total domestic deposits to total assets | 87.5530% | 1,615 |
| Equity capital to assets | 8.4068% | 5,008 |
| Core capital (leverage) ratio | 9.1598% | 4,508 |
| Tier 1 risk-based capital ratio | 18.3445% | 1,715 |
| Total risk-based capital ratio | 19.2172% | 1,776 |
| Memoranda: | ||
| Average total assets | $104,871,330 | 4,093 |
| Average earning assets | $95,479,670 | 4,121 |
| Average equity | $8,729,670 | 4,576 |
| Average total loans | $48,299,330 | 4,433 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4681% | 4,924 |
| Cost of funding earning assets | 0.5571% | 2,341 |
| Net interest margin | 2.9110% | 5,011 |
| Noninterest income to average assets | 0.3768% | 3,612 |
| Noninterest expense to average assets | 2.3938% | 3,963 |
| Loan and lease loss provision to assets | 0.0228% | 3,230 |
| Net operating income to assets | 0.5214% | 4,642 |
| Return on assets (ROA) | 0.5214% | 4,642 |
| Pretax return on assets | 0.6051% | 4,672 |
| Return on Equity (ROE) | 6.2945% | 4,060 |
| Retained earnings to average equity (ytd only) | 6.2945% | 2,586 |
| Net charge-offs to loans | -0.0083% | 4,180 |
| Credit loss provision to net charge-offs | -600.0000% | 4,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2191% | 1,232 |
| Assets per employee ($millions) | 3.8971% | 4,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8691% | 4,567 |
| Loan loss allowance to noncurrent loans | 108.0103% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 2,951 |
| Noncurrent loans to loans | 0.8047% | 2,200 |
| Net loans and leases to total assets | 45.3099% | 4,831 |
| Net loans and leases to deposits | 51.5907% | 4,896 |
| Net loans and leases to core deposits | 53.0458% | 4,947 |
| Total domestic deposits to total assets | 87.8257% | 1,712 |
| Equity capital to assets | 8.1627% | 5,198 |
| Core capital (leverage) ratio | 8.9746% | 4,701 |
| Tier 1 risk-based capital ratio | 18.2243% | 1,766 |
| Total risk-based capital ratio | 19.0346% | 1,844 |
| Memoranda: | ||
| Average total assets | $105,105,500 | 4,141 |
| Average earning assets | $95,498,500 | 4,166 |
| Average equity | $8,706,000 | 4,624 |
| Average total loans | $48,038,000 | 4,487 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4470% | 4,869 |
| Cost of funding earning assets | 0.4098% | 3,161 |
| Net interest margin | 3.0373% | 4,811 |
| Noninterest income to average assets | 0.4015% | 3,631 |
| Noninterest expense to average assets | 2.5174% | 3,722 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5224% | 4,317 |
| Return on assets (ROA) | 0.5343% | 4,314 |
| Pretax return on assets | 0.6516% | 4,627 |
| Return on Equity (ROE) | 6.1271% | 3,707 |
| Retained earnings to average equity (ytd only) | 1.6791% | 4,292 |
| Net charge-offs to loans | 0.1098% | 1,971 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 12.6346% | 2,455 |
| Efficiency ratio | 79.8033% | 1,125 |
| Assets per employee ($millions) | 4.1996% | 3,652 |
| Cash dividends to net income (ytd only)* | 72.5953% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 4,643 |
| Loan loss allowance to noncurrent loans | 105.6555% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 0.4791% | 2,964 |
| Noncurrent loans to loans | 0.8107% | 2,183 |
| Net loans and leases to total assets | 45.3105% | 4,926 |
| Net loans and leases to deposits | 51.7037% | 5,000 |
| Net loans and leases to core deposits | 53.2710% | 5,029 |
| Total domestic deposits to total assets | 87.6349% | 1,681 |
| Equity capital to assets | 8.4037% | 5,188 |
| Core capital (leverage) ratio | 9.0295% | 4,614 |
| Tier 1 risk-based capital ratio | 17.9252% | 1,821 |
| Total risk-based capital ratio | 18.7204% | 1,904 |
| Memoranda: | ||
| Average total assets | $103,124,200 | 4,186 |
| Average earning assets | $93,471,400 | 4,210 |
| Average equity | $8,992,800 | 4,612 |
| Average total loans | $47,346,200 | 4,534 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4451% | 4,900 |
| Cost of funding earning assets | 0.3987% | 3,208 |
| Net interest margin | 3.0463% | 4,822 |
| Noninterest income to average assets | 0.4013% | 3,676 |
| Noninterest expense to average assets | 2.4495% | 3,888 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6329% | 4,262 |
| Return on assets (ROA) | 0.6468% | 4,261 |
| Pretax return on assets | 0.7260% | 4,540 |
| Return on Equity (ROE) | 7.3488% | 3,470 |
| Retained earnings to average equity (ytd only) | 7.3488% | 1,517 |
| Net charge-offs to loans | 0.0085% | 3,426 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 182.3300% | 467 |
| Efficiency ratio | 77.5175% | 1,395 |
| Assets per employee ($millions) | 3.7819% | 4,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 4,306 |
| Loan loss allowance to noncurrent loans | 129.9435% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.3467% | 3,654 |
| Noncurrent loans to loans | 0.7340% | 2,522 |
| Net loans and leases to total assets | 46.7785% | 4,894 |
| Net loans and leases to deposits | 54.3945% | 4,944 |
| Net loans and leases to core deposits | 56.1194% | 4,997 |
| Total domestic deposits to total assets | 85.9986% | 2,319 |
| Equity capital to assets | 9.2586% | 4,675 |
| Core capital (leverage) ratio | 9.3345% | 4,365 |
| Tier 1 risk-based capital ratio | 18.7742% | 1,652 |
| Total risk-based capital ratio | 19.6796% | 1,701 |
| Memoranda: | ||
| Average total assets | $102,658,000 | 4,235 |
| Average earning assets | $92,962,000 | 4,258 |
| Average equity | $9,035,250 | 4,658 |
| Average total loans | $47,187,250 | 4,573 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4309% | 4,913 |
| Cost of funding earning assets | 0.3846% | 3,242 |
| Net interest margin | 3.0463% | 4,803 |
| Noninterest income to average assets | 0.3890% | 3,756 |
| Noninterest expense to average assets | 2.4640% | 3,875 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6119% | 4,252 |
| Return on assets (ROA) | 0.6262% | 4,228 |
| Pretax return on assets | 0.6826% | 4,600 |
| Return on Equity (ROE) | 7.2395% | 3,432 |
| Retained earnings to average equity (ytd only) | 7.2395% | 1,479 |
| Net charge-offs to loans | 0.0085% | 3,153 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 171.5000% | 458 |
| Efficiency ratio | 78.6957% | 1,366 |
| Assets per employee ($millions) | 3.7892% | 4,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9896% | 4,214 |
| Loan loss allowance to noncurrent loans | 133.6232% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.3372% | 3,772 |
| Noncurrent loans to loans | 0.7406% | 2,544 |
| Net loans and leases to total assets | 45.0825% | 4,985 |
| Net loans and leases to deposits | 51.3951% | 5,083 |
| Net loans and leases to core deposits | 52.6098% | 5,128 |
| Total domestic deposits to total assets | 87.7175% | 1,609 |
| Equity capital to assets | 9.1322% | 4,771 |
| Core capital (leverage) ratio | 9.0922% | 4,624 |
| Tier 1 risk-based capital ratio | 18.5466% | 1,703 |
| Total risk-based capital ratio | 19.4597% | 1,759 |
| Memoranda: | ||
| Average total assets | $102,840,330 | 4,259 |
| Average earning assets | $92,570,330 | 4,301 |
| Average equity | $8,895,670 | 4,697 |
| Average total loans | $46,841,000 | 4,613 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3601% | 5,018 |
| Cost of funding earning assets | 0.3714% | 3,294 |
| Net interest margin | 2.9887% | 4,911 |
| Noninterest income to average assets | 0.3686% | 3,898 |
| Noninterest expense to average assets | 2.4518% | 3,959 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4826% | 4,664 |
| Return on assets (ROA) | 0.4888% | 4,666 |
| Pretax return on assets | 0.6091% | 4,708 |
| Return on Equity (ROE) | 5.8118% | 3,999 |
| Retained earnings to average equity (ytd only) | 5.8118% | 2,436 |
| Net charge-offs to loans | 0.0085% | 2,678 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 155.0000% | 348 |
| Efficiency ratio | 80.3050% | 1,348 |
| Assets per employee ($millions) | 3.7198% | 4,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9785% | 4,403 |
| Loan loss allowance to noncurrent loans | 131.6239% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.3370% | 3,845 |
| Noncurrent loans to loans | 0.7434% | 2,632 |
| Net loans and leases to total assets | 44.8897% | 4,992 |
| Net loans and leases to deposits | 50.7330% | 5,084 |
| Net loans and leases to core deposits | 51.8987% | 5,146 |
| Total domestic deposits to total assets | 88.4823% | 1,435 |
| Equity capital to assets | 8.4347% | 5,285 |
| Core capital (leverage) ratio | 9.0289% | 4,698 |
| Tier 1 risk-based capital ratio | 17.5704% | 2,016 |
| Total risk-based capital ratio | 18.4559% | 2,066 |
| Memoranda: | ||
| Average total assets | $103,106,500 | 4,299 |
| Average earning assets | $92,615,500 | 4,341 |
| Average equity | $8,672,000 | 4,778 |
| Average total loans | $46,969,500 | 4,650 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3913% | 5,000 |
| Cost of funding earning assets | 0.3131% | 3,913 |
| Net interest margin | 3.0781% | 4,780 |
| Noninterest income to average assets | 0.4216% | 3,731 |
| Noninterest expense to average assets | 2.5757% | 3,759 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5057% | 4,609 |
| Return on assets (ROA) | 0.5089% | 4,672 |
| Pretax return on assets | 0.6324% | 4,700 |
| Return on Equity (ROE) | 5.5599% | 4,175 |
| Retained earnings to average equity (ytd only) | 1.1734% | 4,821 |
| Net charge-offs to loans | 0.0743% | 2,636 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 17.8857% | 2,009 |
| Efficiency ratio | 80.3885% | 1,373 |
| Assets per employee ($millions) | 3.6450% | 4,551 |
| Cash dividends to net income (ytd only)* | 78.8955% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9909% | 4,392 |
| Loan loss allowance to noncurrent loans | 119.0231% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.3811% | 3,749 |
| Noncurrent loans to loans | 0.8326% | 2,442 |
| Net loans and leases to total assets | 45.3263% | 5,051 |
| Net loans and leases to deposits | 51.2066% | 5,162 |
| Net loans and leases to core deposits | 52.8855% | 5,180 |
| Total domestic deposits to total assets | 88.5166% | 1,368 |
| Equity capital to assets | 8.3862% | 5,356 |
| Core capital (leverage) ratio | 9.1259% | 4,587 |
| Tier 1 risk-based capital ratio | 18.1211% | 1,821 |
| Total risk-based capital ratio | 19.0491% | 1,864 |
| Memoranda: | ||
| Average total assets | $99,624,200 | 4,353 |
| Average earning assets | $90,054,800 | 4,384 |
| Average equity | $9,118,800 | 4,736 |
| Average total loans | $47,078,800 | 4,664 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3989% | 5,027 |
| Cost of funding earning assets | 0.3091% | 3,992 |
| Net interest margin | 3.0898% | 4,798 |
| Noninterest income to average assets | 0.4255% | 3,726 |
| Noninterest expense to average assets | 2.5127% | 3,949 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5278% | 4,583 |
| Return on assets (ROA) | 0.5278% | 4,688 |
| Pretax return on assets | 0.7123% | 4,578 |
| Return on Equity (ROE) | 5.6449% | 4,249 |
| Retained earnings to average equity (ytd only) | 5.6449% | 2,404 |
| Net charge-offs to loans | 0.0933% | 2,017 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 16.0300% | 2,145 |
| Efficiency ratio | 77.9123% | 1,699 |
| Assets per employee ($millions) | 3.5084% | 4,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9919% | 4,457 |
| Loan loss allowance to noncurrent loans | 117.1285% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.4041% | 3,808 |
| Noncurrent loans to loans | 0.8468% | 2,564 |
| Net loans and leases to total assets | 47.2500% | 5,007 |
| Net loans and leases to deposits | 54.0658% | 5,110 |
| Net loans and leases to core deposits | 55.9276% | 5,152 |
| Total domestic deposits to total assets | 87.3935% | 1,715 |
| Equity capital to assets | 9.6554% | 4,507 |
| Core capital (leverage) ratio | 9.4431% | 4,265 |
| Tier 1 risk-based capital ratio | 19.1373% | 1,642 |
| Total risk-based capital ratio | 20.0915% | 1,670 |
| Memoranda: | ||
| Average total assets | $99,015,250 | 4,395 |
| Average earning assets | $89,712,000 | 4,428 |
| Average equity | $9,258,750 | 4,754 |
| Average total loans | $47,167,750 | 4,698 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4106% | 5,057 |
| Cost of funding earning assets | 0.3078% | 4,039 |
| Net interest margin | 3.1028% | 4,825 |
| Noninterest income to average assets | 0.4130% | 3,793 |
| Noninterest expense to average assets | 2.4961% | 4,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5258% | 4,578 |
| Return on assets (ROA) | 0.5258% | 4,702 |
| Pretax return on assets | 0.7192% | 4,562 |
| Return on Equity (ROE) | 5.6842% | 4,202 |
| Retained earnings to average equity (ytd only) | 5.6842% | 2,313 |
| Net charge-offs to loans | 0.1439% | 1,465 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 2,332 |
| Efficiency ratio | 77.6316% | 1,847 |
| Assets per employee ($millions) | 3.7764% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9861% | 4,589 |
| Loan loss allowance to noncurrent loans | 126.4305% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.3738% | 3,993 |
| Noncurrent loans to loans | 0.7799% | 2,800 |
| Net loans and leases to total assets | 47.4523% | 5,038 |
| Net loans and leases to deposits | 53.9815% | 5,136 |
| Net loans and leases to core deposits | 56.0296% | 5,170 |
| Total domestic deposits to total assets | 87.9047% | 1,480 |
| Equity capital to assets | 9.6398% | 4,624 |
| Core capital (leverage) ratio | 9.2281% | 4,548 |
| Tier 1 risk-based capital ratio | 18.3860% | 1,830 |
| Total risk-based capital ratio | 19.3138% | 1,880 |
| Memoranda: | ||
| Average total assets | $99,275,330 | 4,431 |
| Average earning assets | $89,661,670 | 4,467 |
| Average equity | $9,183,330 | 4,804 |
| Average total loans | $47,263,330 | 4,730 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4225% | 5,073 |
| Cost of funding earning assets | 0.3050% | 4,105 |
| Net interest margin | 3.1175% | 4,814 |
| Noninterest income to average assets | 0.4007% | 3,824 |
| Noninterest expense to average assets | 2.4685% | 4,169 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5169% | 4,553 |
| Return on assets (ROA) | 0.5169% | 4,659 |
| Pretax return on assets | 0.7173% | 4,464 |
| Return on Equity (ROE) | 5.7064% | 4,132 |
| Retained earnings to average equity (ytd only) | 5.7064% | 2,525 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4843% | 1,971 |
| Assets per employee ($millions) | 4.0212% | 3,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 4,319 |
| Loan loss allowance to noncurrent loans | 121.4634% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.4078% | 3,959 |
| Noncurrent loans to loans | 0.8676% | 2,674 |
| Net loans and leases to total assets | 46.5130% | 5,082 |
| Net loans and leases to deposits | 52.4568% | 5,199 |
| Net loans and leases to core deposits | 54.4595% | 5,221 |
| Total domestic deposits to total assets | 88.6692% | 1,256 |
| Equity capital to assets | 9.0738% | 5,104 |
| Core capital (leverage) ratio | 9.1147% | 4,716 |
| Tier 1 risk-based capital ratio | 18.4665% | 1,863 |
| Total risk-based capital ratio | 19.4812% | 1,886 |
| Memoranda: | ||
| Average total assets | $99,819,500 | 4,467 |
| Average earning assets | $89,173,500 | 4,519 |
| Average equity | $9,042,500 | 4,856 |
| Average total loans | $47,367,000 | 4,753 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5179% | 4,872 |
| Cost of funding earning assets | 0.2658% | 4,638 |
| Net interest margin | 3.2521% | 4,470 |
| Noninterest income to average assets | 0.4634% | 3,575 |
| Noninterest expense to average assets | 2.7183% | 3,521 |
| Loan and lease loss provision to assets | 0.0117% | 4,177 |
| Net operating income to assets | 0.5573% | 4,470 |
| Return on assets (ROA) | 0.5573% | 4,561 |
| Pretax return on assets | 0.6331% | 4,734 |
| Return on Equity (ROE) | 5.8531% | 4,099 |
| Retained earnings to average equity (ytd only) | 1.3680% | 4,948 |
| Net charge-offs to loans | -0.0235% | 5,323 |
| Credit loss provision to net charge-offs | -100.0000% | 5,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8254% | 1,561 |
| Assets per employee ($millions) | 3.6707% | 4,528 |
| Cash dividends to net income (ytd only)* | 76.6284% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 4,326 |
| Loan loss allowance to noncurrent loans | 115.2778% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.4359% | 3,870 |
| Noncurrent loans to loans | 0.9099% | 2,518 |
| Net loans and leases to total assets | 47.4008% | 5,065 |
| Net loans and leases to deposits | 52.8918% | 5,222 |
| Net loans and leases to core deposits | 55.1036% | 5,249 |
| Total domestic deposits to total assets | 89.6184% | 790 |
| Equity capital to assets | 9.0437% | 5,085 |
| Core capital (leverage) ratio | 9.4200% | 4,290 |
| Tier 1 risk-based capital ratio | 16.8334% | 2,346 |
| Total risk-based capital ratio | 17.7717% | 2,426 |
| Memoranda: | ||
| Average total assets | $93,660,000 | 4,591 |
| Average earning assets | $83,515,000 | 4,648 |
| Average equity | $8,918,400 | 4,871 |
| Average total loans | $46,881,200 | 4,761 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5335% | 4,903 |
| Cost of funding earning assets | 0.2651% | 4,725 |
| Net interest margin | 3.2684% | 4,460 |
| Noninterest income to average assets | 0.4825% | 3,489 |
| Noninterest expense to average assets | 2.7374% | 3,439 |
| Loan and lease loss provision to assets | 0.0159% | 3,953 |
| Net operating income to assets | 0.5952% | 4,408 |
| Return on assets (ROA) | 0.5952% | 4,506 |
| Pretax return on assets | 0.6501% | 4,829 |
| Return on Equity (ROE) | 6.1671% | 4,077 |
| Retained earnings to average equity (ytd only) | 6.1671% | 2,141 |
| Net charge-offs to loans | -0.0742% | 5,679 |
| Credit loss provision to net charge-offs | -42.3077% | 4,950 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4329% | 1,598 |
| Assets per employee ($millions) | 3.4210% | 4,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0916% | 4,278 |
| Loan loss allowance to noncurrent loans | 109.3817% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 0.5078% | 3,799 |
| Noncurrent loans to loans | 0.9980% | 2,491 |
| Net loans and leases to total assets | 50.3232% | 4,906 |
| Net loans and leases to deposits | 56.4342% | 5,100 |
| Net loans and leases to core deposits | 58.9926% | 5,130 |
| Total domestic deposits to total assets | 89.1715% | 932 |
| Equity capital to assets | 10.0674% | 4,083 |
| Core capital (leverage) ratio | 9.9698% | 3,676 |
| Tier 1 risk-based capital ratio | 18.7816% | 1,829 |
| Total risk-based capital ratio | 19.8261% | 1,845 |
| Memoranda: | ||
| Average total assets | $92,298,000 | 4,673 |
| Average earning assets | $82,485,500 | 4,726 |
| Average equity | $8,907,250 | 4,930 |
| Average total loans | $46,732,500 | 4,820 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5463% | 4,869 |
| Cost of funding earning assets | 0.2704% | 4,713 |
| Net interest margin | 3.2760% | 4,392 |
| Noninterest income to average assets | 0.4292% | 3,861 |
| Noninterest expense to average assets | 2.7353% | 3,469 |
| Loan and lease loss provision to assets | 0.0065% | 3,968 |
| Net operating income to assets | 0.4270% | 5,051 |
| Return on assets (ROA) | 0.4270% | 5,154 |
| Pretax return on assets | 0.6025% | 4,969 |
| Return on Equity (ROE) | 4.4892% | 4,824 |
| Retained earnings to average equity (ytd only) | 4.4892% | 3,157 |
| Net charge-offs to loans | -0.1201% | 5,851 |
| Credit loss provision to net charge-offs | -10.7143% | 4,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7887% | 1,521 |
| Assets per employee ($millions) | 3.1622% | 5,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 4,443 |
| Loan loss allowance to noncurrent loans | 641.7722% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 4,891 |
| Noncurrent loans to loans | 0.1682% | 5,091 |
| Net loans and leases to total assets | 50.6712% | 4,873 |
| Net loans and leases to deposits | 56.2670% | 5,108 |
| Net loans and leases to core deposits | 59.7923% | 5,083 |
| Total domestic deposits to total assets | 90.0549% | 642 |
| Equity capital to assets | 9.6060% | 4,525 |
| Core capital (leverage) ratio | 9.6513% | 4,071 |
| Tier 1 risk-based capital ratio | 18.6787% | 1,877 |
| Total risk-based capital ratio | 19.7481% | 1,888 |
| Memoranda: | ||
| Average total assets | $92,275,000 | 4,719 |
| Average earning assets | $82,112,670 | 4,773 |
| Average equity | $8,776,670 | 4,995 |
| Average total loans | $46,645,000 | 4,864 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5372% | 4,866 |
| Cost of funding earning assets | 0.2789% | 4,679 |
| Net interest margin | 3.2584% | 4,389 |
| Noninterest income to average assets | 0.4235% | 3,821 |
| Noninterest expense to average assets | 2.6663% | 3,706 |
| Loan and lease loss provision to assets | 0.0043% | 3,656 |
| Net operating income to assets | 0.4408% | 4,910 |
| Return on assets (ROA) | 0.4408% | 5,031 |
| Pretax return on assets | 0.6309% | 4,833 |
| Return on Equity (ROE) | 4.6573% | 4,685 |
| Retained earnings to average equity (ytd only) | 4.6573% | 3,231 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7592% | 1,791 |
| Assets per employee ($millions) | 3.3098% | 5,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 4,849 |
| Loan loss allowance to noncurrent loans | 588.8889% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 4,961 |
| Noncurrent loans to loans | 0.1755% | 5,148 |
| Net loans and leases to total assets | 49.2932% | 4,913 |
| Net loans and leases to deposits | 54.7313% | 5,145 |
| Net loans and leases to core deposits | 56.2884% | 5,236 |
| Total domestic deposits to total assets | 90.0641% | 718 |
| Equity capital to assets | 9.5205% | 4,728 |
| Core capital (leverage) ratio | 9.5208% | 4,242 |
| Tier 1 risk-based capital ratio | 18.5592% | 1,987 |
| Total risk-based capital ratio | 19.5699% | 2,014 |
| Memoranda: | ||
| Average total assets | $92,561,000 | 4,758 |
| Average earning assets | $81,758,500 | 4,823 |
| Average equity | $8,760,500 | 5,046 |
| Average total loans | $46,480,500 | 4,899 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5847% | 5,118 |
| Cost of funding earning assets | 0.3094% | 4,693 |
| Net interest margin | 3.2752% | 4,667 |
| Noninterest income to average assets | 0.4543% | 3,802 |
| Noninterest expense to average assets | 2.9295% | 3,051 |
| Loan and lease loss provision to assets | 0.0011% | 4,586 |
| Net operating income to assets | 0.3481% | 5,381 |
| Return on assets (ROA) | 0.3481% | 5,450 |
| Pretax return on assets | 0.4784% | 5,303 |
| Return on Equity (ROE) | 3.6277% | 5,259 |
| Retained earnings to average equity (ytd only) | 0.2053% | 5,686 |
| Net charge-offs to loans | 0.0394% | 4,034 |
| Credit loss provision to net charge-offs | 5.2632% | 4,157 |
| Earnings coverage of net charge-offs (x) | 23.0526% | 1,606 |
| Efficiency ratio | 85.9345% | 1,180 |
| Assets per employee ($millions) | 3.3017% | 5,252 |
| Cash dividends to net income (ytd only)* | 94.3396% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0171% | 4,956 |
| Loan loss allowance to noncurrent loans | 217.3516% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4035% | 4,479 |
| Noncurrent loans to loans | 0.4679% | 4,251 |
| Net loans and leases to total assets | 50.1103% | 4,962 |
| Net loans and leases to deposits | 55.5128% | 5,211 |
| Net loans and leases to core deposits | 57.0918% | 5,303 |
| Total domestic deposits to total assets | 90.2680% | 621 |
| Equity capital to assets | 9.4085% | 4,828 |
| Core capital (leverage) ratio | 9.7596% | 3,886 |
| Tier 1 risk-based capital ratio | 18.4203% | 2,010 |
| Total risk-based capital ratio | 19.4332% | 2,044 |
| Memoranda: | ||
| Average total assets | $91,345,800 | 4,802 |
| Average earning assets | $82,406,600 | 4,840 |
| Average equity | $8,765,800 | 5,031 |
| Average total loans | $48,166,600 | 4,878 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5681% | 5,219 |
| Cost of funding earning assets | 0.3137% | 4,745 |
| Net interest margin | 3.2544% | 4,779 |
| Noninterest income to average assets | 0.4612% | 3,806 |
| Noninterest expense to average assets | 2.9193% | 3,055 |
| Loan and lease loss provision to assets | 0.0015% | 4,380 |
| Net operating income to assets | 0.3631% | 5,387 |
| Return on assets (ROA) | 0.3631% | 5,459 |
| Pretax return on assets | 0.5022% | 5,318 |
| Return on Equity (ROE) | 3.7649% | 5,263 |
| Retained earnings to average equity (ytd only) | 3.7649% | 3,976 |
| Net charge-offs to loans | 0.0412% | 3,676 |
| Credit loss provision to net charge-offs | 6.6667% | 3,741 |
| Earnings coverage of net charge-offs (x) | 22.9330% | 1,612 |
| Efficiency ratio | 85.2866% | 1,252 |
| Assets per employee ($millions) | 3.1218% | 5,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0042% | 5,198 |
| Loan loss allowance to noncurrent loans | 172.0430% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.4096% | 4,695 |
| Noncurrent loans to loans | 0.5837% | 4,175 |
| Net loans and leases to total assets | 54.1340% | 4,558 |
| Net loans and leases to deposits | 60.5616% | 4,891 |
| Net loans and leases to core deposits | 61.6915% | 5,061 |
| Total domestic deposits to total assets | 89.3867% | 1,033 |
| Equity capital to assets | 10.2118% | 3,917 |
| Core capital (leverage) ratio | 10.0312% | 3,634 |
| Tier 1 risk-based capital ratio | 18.9178% | 1,924 |
| Total risk-based capital ratio | 19.9395% | 1,957 |
| Memoranda: | ||
| Average total assets | $91,070,250 | 4,865 |
| Average earning assets | $82,881,500 | 4,876 |
| Average equity | $8,782,750 | 5,073 |
| Average total loans | $48,507,750 | 4,919 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5258% | 5,356 |
| Cost of funding earning assets | 0.3173% | 4,791 |
| Net interest margin | 3.2085% | 4,915 |
| Noninterest income to average assets | 0.4616% | 3,777 |
| Noninterest expense to average assets | 2.8605% | 3,309 |
| Loan and lease loss provision to assets | 0.0022% | 4,173 |
| Net operating income to assets | 0.3641% | 5,357 |
| Return on assets (ROA) | 0.3641% | 5,424 |
| Pretax return on assets | 0.5136% | 5,237 |
| Return on Equity (ROE) | 3.8466% | 5,208 |
| Retained earnings to average equity (ytd only) | 3.8466% | 3,731 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7240% | 1,422 |
| Assets per employee ($millions) | 3.2080% | 5,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0153% | 5,281 |
| Loan loss allowance to noncurrent loans | 104.8729% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 0.5255% | 4,427 |
| Noncurrent loans to loans | 0.9681% | 3,305 |
| Net loans and leases to total assets | 53.7290% | 4,573 |
| Net loans and leases to deposits | 59.8764% | 4,877 |
| Net loans and leases to core deposits | 60.9579% | 5,056 |
| Total domestic deposits to total assets | 89.7331% | 947 |
| Equity capital to assets | 9.8605% | 4,281 |
| Core capital (leverage) ratio | 9.6010% | 4,176 |
| Tier 1 risk-based capital ratio | 18.6061% | 2,035 |
| Total risk-based capital ratio | 19.6518% | 2,062 |
| Memoranda: | ||
| Average total assets | $92,290,670 | 4,866 |
| Average earning assets | $83,838,670 | 4,874 |
| Average equity | $8,735,000 | 5,101 |
| Average total loans | $48,744,330 | 4,943 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4756% | 5,491 |
| Cost of funding earning assets | 0.3198% | 4,859 |
| Net interest margin | 3.1558% | 5,066 |
| Noninterest income to average assets | 0.4448% | 3,825 |
| Noninterest expense to average assets | 2.9083% | 3,174 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2951% | 5,512 |
| Return on assets (ROA) | 0.2951% | 5,554 |
| Pretax return on assets | 0.4063% | 5,435 |
| Return on Equity (ROE) | 3.1819% | 5,400 |
| Retained earnings to average equity (ytd only) | 3.1819% | 4,218 |
| Net charge-offs to loans | 0.0082% | 3,468 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 473 |
| Efficiency ratio | 87.7419% | 1,255 |
| Assets per employee ($millions) | 3.3242% | 5,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 5,475 |
| Loan loss allowance to noncurrent loans | 295.2096% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 5,688 |
| Noncurrent loans to loans | 0.3424% | 5,086 |
| Net loans and leases to total assets | 51.8694% | 4,689 |
| Net loans and leases to deposits | 57.4552% | 4,991 |
| Net loans and leases to core deposits | 58.5562% | 5,155 |
| Total domestic deposits to total assets | 90.2780% | 922 |
| Equity capital to assets | 9.3491% | 4,700 |
| Core capital (leverage) ratio | 9.3396% | 4,512 |
| Tier 1 risk-based capital ratio | 18.1262% | 2,243 |
| Total risk-based capital ratio | 19.1524% | 2,314 |
| Memoranda: | ||
| Average total assets | $93,524,500 | 4,884 |
| Average earning assets | $85,050,000 | 4,891 |
| Average equity | $8,674,000 | 5,135 |
| Average total loans | $48,738,500 | 4,978 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9218% | 4,380 |
| Cost of funding earning assets | 0.4084% | 4,556 |
| Net interest margin | 3.5134% | 3,834 |
| Noninterest income to average assets | 0.5399% | 3,479 |
| Noninterest expense to average assets | 2.9352% | 3,256 |
| Loan and lease loss provision to assets | 0.0379% | 4,358 |
| Net operating income to assets | 0.5216% | 4,639 |
| Return on assets (ROA) | 0.5216% | 4,769 |
| Pretax return on assets | 0.7100% | 4,504 |
| Return on Equity (ROE) | 5.1665% | 4,554 |
| Retained earnings to average equity (ytd only) | 0.6145% | 5,558 |
| Net charge-offs to loans | 0.0786% | 4,118 |
| Credit loss provision to net charge-offs | 84.6154% | 2,907 |
| Earnings coverage of net charge-offs (x) | 16.6923% | 1,782 |
| Efficiency ratio | 79.6943% | 2,203 |
| Assets per employee ($millions) | 3.7588% | 4,350 |
| Cash dividends to net income (ytd only)* | 88.1057% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0143% | 5,491 |
| Loan loss allowance to noncurrent loans | 771.8750% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 6,148 |
| Noncurrent loans to loans | 0.1314% | 5,811 |
| Net loans and leases to total assets | 51.3041% | 4,939 |
| Net loans and leases to deposits | 56.7255% | 5,234 |
| Net loans and leases to core deposits | 57.7993% | 5,408 |
| Total domestic deposits to total assets | 90.4428% | 850 |
| Equity capital to assets | 9.2007% | 4,804 |
| Core capital (leverage) ratio | 9.3753% | 4,441 |
| Tier 1 risk-based capital ratio | 18.1564% | 2,196 |
| Total risk-based capital ratio | 19.1946% | 2,227 |
| Memoranda: | ||
| Average total assets | $87,045,600 | 5,048 |
| Average earning assets | $77,873,200 | 5,093 |
| Average equity | $8,787,400 | 5,145 |
| Average total loans | $49,629,600 | 4,974 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0283% | 4,021 |
| Cost of funding earning assets | 0.4336% | 4,466 |
| Net interest margin | 3.5948% | 3,464 |
| Noninterest income to average assets | 0.5423% | 3,507 |
| Noninterest expense to average assets | 2.9068% | 3,286 |
| Loan and lease loss provision to assets | 0.0500% | 4,014 |
| Net operating income to assets | 0.5767% | 4,440 |
| Return on assets (ROA) | 0.5767% | 4,577 |
| Pretax return on assets | 0.7861% | 4,348 |
| Return on Equity (ROE) | 5.5764% | 4,432 |
| Retained earnings to average equity (ytd only) | 5.5764% | 2,678 |
| Net charge-offs to loans | 0.0187% | 4,754 |
| Credit loss provision to net charge-offs | 457.1429% | 583 |
| Earnings coverage of net charge-offs (x) | 76.4544% | 619 |
| Efficiency ratio | 77.6618% | 2,465 |
| Assets per employee ($millions) | 3.5366% | 4,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 5,426 |
| Loan loss allowance to noncurrent loans | 530.3030% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 6,113 |
| Noncurrent loans to loans | 0.2025% | 5,732 |
| Net loans and leases to total assets | 52.5845% | 4,809 |
| Net loans and leases to deposits | 58.6227% | 5,121 |
| Net loans and leases to core deposits | 59.5461% | 5,336 |
| Total domestic deposits to total assets | 89.6999% | 1,171 |
| Equity capital to assets | 9.7672% | 4,223 |
| Core capital (leverage) ratio | 9.7829% | 3,987 |
| Tier 1 risk-based capital ratio | 19.3604% | 1,891 |
| Total risk-based capital ratio | 20.4956% | 1,884 |
| Memoranda: | ||
| Average total assets | $85,314,250 | 5,151 |
| Average earning assets | $75,960,250 | 5,200 |
| Average equity | $8,822,750 | 5,186 |
| Average total loans | $49,860,750 | 5,012 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1987% | 3,374 |
| Cost of funding earning assets | 0.4665% | 4,247 |
| Net interest margin | 3.7321% | 2,837 |
| Noninterest income to average assets | 0.5608% | 3,435 |
| Noninterest expense to average assets | 2.9891% | 3,036 |
| Loan and lease loss provision to assets | 0.0578% | 3,852 |
| Net operating income to assets | 0.5439% | 4,580 |
| Return on assets (ROA) | 0.5439% | 4,752 |
| Pretax return on assets | 0.8062% | 4,291 |
| Return on Equity (ROE) | 5.1539% | 4,641 |
| Retained earnings to average equity (ytd only) | 5.1539% | 2,957 |
| Net charge-offs to loans | 0.0279% | 4,303 |
| Credit loss provision to net charge-offs | 342.8571% | 760 |
| Earnings coverage of net charge-offs (x) | 51.2857% | 790 |
| Efficiency ratio | 77.5765% | 2,531 |
| Assets per employee ($millions) | 3.0588% | 5,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 5,658 |
| Loan loss allowance to noncurrent loans | 718.0556% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.0872% | 6,235 |
| Noncurrent loans to loans | 0.1453% | 5,962 |
| Net loans and leases to total assets | 59.3876% | 3,762 |
| Net loans and leases to deposits | 66.9520% | 4,157 |
| Net loans and leases to core deposits | 69.1017% | 4,377 |
| Total domestic deposits to total assets | 88.7017% | 1,779 |
| Equity capital to assets | 10.6868% | 3,075 |
| Core capital (leverage) ratio | 10.7216% | 2,646 |
| Tier 1 risk-based capital ratio | 19.3942% | 1,884 |
| Total risk-based capital ratio | 20.5322% | 1,882 |
| Memoranda: | ||
| Average total assets | $83,102,000 | 5,246 |
| Average earning assets | $73,309,000 | 5,294 |
| Average equity | $8,770,000 | 5,229 |
| Average total loans | $50,188,670 | 5,019 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2192% | 3,217 |
| Cost of funding earning assets | 0.4858% | 4,226 |
| Net interest margin | 3.7334% | 2,721 |
| Noninterest income to average assets | 0.5566% | 3,390 |
| Noninterest expense to average assets | 3.0807% | 2,732 |
| Loan and lease loss provision to assets | 0.0576% | 3,670 |
| Net operating income to assets | 0.4847% | 4,755 |
| Return on assets (ROA) | 0.4847% | 4,911 |
| Pretax return on assets | 0.7006% | 4,581 |
| Return on Equity (ROE) | 4.6214% | 4,778 |
| Retained earnings to average equity (ytd only) | 4.6214% | 3,463 |
| Net charge-offs to loans | 0.0475% | 3,364 |
| Credit loss provision to net charge-offs | 200.0000% | 1,079 |
| Earnings coverage of net charge-offs (x) | 26.3333% | 1,027 |
| Efficiency ratio | 80.2500% | 2,293 |
| Assets per employee ($millions) | 3.0272% | 5,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 5,945 |
| Loan loss allowance to noncurrent loans | 491.2621% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.3560% | 5,520 |
| Noncurrent loans to loans | 0.2059% | 5,889 |
| Net loans and leases to total assets | 60.5709% | 3,334 |
| Net loans and leases to deposits | 68.2921% | 3,743 |
| Net loans and leases to core deposits | 70.5077% | 4,009 |
| Total domestic deposits to total assets | 88.6938% | 1,877 |
| Equity capital to assets | 10.7434% | 3,269 |
| Core capital (leverage) ratio | 10.5194% | 2,750 |
| Tier 1 risk-based capital ratio | 19.0516% | 2,034 |
| Total risk-based capital ratio | 20.1614% | 2,040 |
| Memoranda: | ||
| Average total assets | $83,359,000 | 5,286 |
| Average earning assets | $73,284,500 | 5,340 |
| Average equity | $8,742,000 | 5,289 |
| Average total loans | $50,501,000 | 5,036 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5950% | 3,024 |
| Cost of funding earning assets | 0.5879% | 4,465 |
| Net interest margin | 4.0071% | 2,366 |
| Noninterest income to average assets | 0.5481% | 3,599 |
| Noninterest expense to average assets | 3.0845% | 2,975 |
| Loan and lease loss provision to assets | 0.1229% | 4,083 |
| Net operating income to assets | 0.6169% | 4,157 |
| Return on assets (ROA) | 0.6169% | 4,425 |
| Pretax return on assets | 0.8922% | 3,949 |
| Return on Equity (ROE) | 5.7035% | 4,302 |
| Retained earnings to average equity (ytd only) | 1.1589% | 5,293 |
| Net charge-offs to loans | 0.1906% | 3,850 |
| Credit loss provision to net charge-offs | 103.0928% | 2,910 |
| Earnings coverage of net charge-offs (x) | 8.5155% | 2,395 |
| Efficiency ratio | 75.2398% | 2,868 |
| Assets per employee ($millions) | 3.1476% | 5,741 |
| Cash dividends to net income (ytd only)* | 79.6813% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9806% | 6,032 |
| Loan loss allowance to noncurrent loans | 632.9114% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.2495% | 5,923 |
| Noncurrent loans to loans | 0.1549% | 6,093 |
| Net loans and leases to total assets | 59.4100% | 3,701 |
| Net loans and leases to deposits | 66.6724% | 4,184 |
| Net loans and leases to core deposits | 69.3435% | 4,391 |
| Total domestic deposits to total assets | 89.1074% | 1,492 |
| Equity capital to assets | 10.2408% | 3,841 |
| Core capital (leverage) ratio | 10.5380% | 2,719 |
| Tier 1 risk-based capital ratio | 18.3131% | 2,166 |
| Total risk-based capital ratio | 19.3797% | 2,184 |
| Memoranda: | ||
| Average total assets | $81,375,400 | 5,317 |
| Average earning assets | $72,122,000 | 5,366 |
| Average equity | $8,801,600 | 5,270 |
| Average total loans | $50,902,200 | 5,071 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6498% | 3,013 |
| Cost of funding earning assets | 0.6089% | 4,548 |
| Net interest margin | 4.0409% | 2,336 |
| Noninterest income to average assets | 0.5468% | 3,628 |
| Noninterest expense to average assets | 3.0552% | 3,040 |
| Loan and lease loss provision to assets | 0.1491% | 3,672 |
| Net operating income to assets | 0.6478% | 4,154 |
| Return on assets (ROA) | 0.6478% | 4,412 |
| Pretax return on assets | 0.9378% | 3,966 |
| Return on Equity (ROE) | 5.9065% | 4,375 |
| Retained earnings to average equity (ytd only) | 5.9065% | 2,758 |
| Net charge-offs to loans | 0.2489% | 3,227 |
| Credit loss provision to net charge-offs | 94.7368% | 3,154 |
| Earnings coverage of net charge-offs (x) | 6.9054% | 2,692 |
| Efficiency ratio | 73.7600% | 3,027 |
| Assets per employee ($millions) | 2.8216% | 6,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 6,264 |
| Loan loss allowance to noncurrent loans | 286.0465% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.2102% | 6,186 |
| Noncurrent loans to loans | 0.3297% | 5,814 |
| Net loans and leases to total assets | 63.1589% | 3,180 |
| Net loans and leases to deposits | 71.5476% | 3,670 |
| Net loans and leases to core deposits | 75.8631% | 3,744 |
| Total domestic deposits to total assets | 88.2753% | 1,864 |
| Equity capital to assets | 11.0257% | 3,243 |
| Core capital (leverage) ratio | 10.9738% | 2,414 |
| Tier 1 risk-based capital ratio | 18.9038% | 2,039 |
| Total risk-based capital ratio | 19.9519% | 2,066 |
| Memoranda: | ||
| Average total assets | $80,473,250 | 5,390 |
| Average earning assets | $71,599,500 | 5,444 |
| Average equity | $8,826,250 | 5,317 |
| Average total loans | $50,880,500 | 5,132 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6816% | 3,002 |
| Cost of funding earning assets | 0.6282% | 4,650 |
| Net interest margin | 4.0534% | 2,278 |
| Noninterest income to average assets | 0.5224% | 3,768 |
| Noninterest expense to average assets | 3.2441% | 2,457 |
| Loan and lease loss provision to assets | 0.1125% | 4,123 |
| Net operating income to assets | 0.5399% | 4,629 |
| Return on assets (ROA) | 0.5399% | 4,907 |
| Pretax return on assets | 0.7623% | 4,595 |
| Return on Equity (ROE) | 4.9309% | 4,838 |
| Retained earnings to average equity (ytd only) | 4.9309% | 3,318 |
| Net charge-offs to loans | 0.1348% | 3,850 |
| Credit loss provision to net charge-offs | 132.3529% | 2,072 |
| Earnings coverage of net charge-offs (x) | 10.2941% | 2,067 |
| Efficiency ratio | 78.7621% | 2,355 |
| Assets per employee ($millions) | 2.8419% | 6,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0030% | 6,146 |
| Loan loss allowance to noncurrent loans | 907.1429% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 6,639 |
| Noncurrent loans to loans | 0.1106% | 6,386 |
| Net loans and leases to total assets | 63.0146% | 3,231 |
| Net loans and leases to deposits | 71.4019% | 3,698 |
| Net loans and leases to core deposits | 74.7072% | 3,931 |
| Total domestic deposits to total assets | 88.2534% | 1,983 |
| Equity capital to assets | 11.1145% | 3,003 |
| Core capital (leverage) ratio | 10.8829% | 2,406 |
| Tier 1 risk-based capital ratio | 18.9096% | 1,987 |
| Total risk-based capital ratio | 20.0139% | 2,010 |
| Memoranda: | ||
| Average total assets | $80,022,000 | 5,433 |
| Average earning assets | $71,001,670 | 5,492 |
| Average equity | $8,761,000 | 5,335 |
| Average total loans | $50,449,670 | 5,178 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7757% | 2,737 |
| Cost of funding earning assets | 0.6538% | 4,692 |
| Net interest margin | 4.1219% | 2,020 |
| Noninterest income to average assets | 0.5433% | 3,611 |
| Noninterest expense to average assets | 3.2998% | 2,288 |
| Loan and lease loss provision to assets | 0.0249% | 5,037 |
| Net operating income to assets | 0.6081% | 4,308 |
| Return on assets (ROA) | 0.6081% | 4,519 |
| Pretax return on assets | 0.8324% | 4,289 |
| Return on Equity (ROE) | 5.5967% | 4,503 |
| Retained earnings to average equity (ytd only) | 5.5967% | 3,206 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3765% | 2,290 |
| Assets per employee ($millions) | 2.7638% | 6,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9963% | 6,265 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 6,396 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 62.2358% | 3,212 |
| Net loans and leases to deposits | 70.3951% | 3,672 |
| Net loans and leases to core deposits | 73.6222% | 3,945 |
| Total domestic deposits to total assets | 88.4092% | 2,065 |
| Equity capital to assets | 10.9357% | 2,983 |
| Core capital (leverage) ratio | 10.8817% | 2,355 |
| Tier 1 risk-based capital ratio | 18.9792% | 1,991 |
| Total risk-based capital ratio | 20.0865% | 2,005 |
| Memoranda: | ||
| Average total assets | $80,247,000 | 5,470 |
| Average earning assets | $70,355,500 | 5,549 |
| Average equity | $8,719,500 | 5,353 |
| Average total loans | $50,349,500 | 5,215 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8636% | 3,528 |
| Cost of funding earning assets | 0.7989% | 4,884 |
| Net interest margin | 4.0647% | 2,586 |
| Noninterest income to average assets | 0.5914% | 3,210 |
| Noninterest expense to average assets | 3.4201% | 2,193 |
| Loan and lease loss provision to assets | 0.0643% | 5,808 |
| Net operating income to assets | 0.5452% | 4,253 |
| Return on assets (ROA) | 0.5452% | 4,445 |
| Pretax return on assets | 0.7509% | 4,152 |
| Return on Equity (ROE) | 4.8415% | 4,461 |
| Retained earnings to average equity (ytd only) | 0.8450% | 5,470 |
| Net charge-offs to loans | 0.0579% | 5,726 |
| Credit loss provision to net charge-offs | 178.5714% | 1,468 |
| Earnings coverage of net charge-offs (x) | 22.6429% | 1,055 |
| Efficiency ratio | 80.7529% | 2,193 |
| Assets per employee ($millions) | 2.7705% | 6,500 |
| Cash dividends to net income (ytd only)* | 82.5472% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 6,280 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 6,445 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 62.0059% | 3,598 |
| Net loans and leases to deposits | 70.0567% | 4,086 |
| Net loans and leases to core deposits | 72.5882% | 4,424 |
| Total domestic deposits to total assets | 88.5082% | 1,846 |
| Equity capital to assets | 10.7961% | 3,197 |
| Core capital (leverage) ratio | 10.9591% | 2,305 |
| Tier 1 risk-based capital ratio | 18.4493% | 2,063 |
| Total risk-based capital ratio | 19.5302% | 2,079 |
| Memoranda: | ||
| Average total assets | $77,775,600 | 5,513 |
| Average earning assets | $69,722,600 | 5,546 |
| Average equity | $8,757,600 | 5,346 |
| Average total loans | $48,355,200 | 5,332 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8507% | 3,776 |
| Cost of funding earning assets | 0.8206% | 5,004 |
| Net interest margin | 4.0302% | 2,778 |
| Noninterest income to average assets | 0.5843% | 3,268 |
| Noninterest expense to average assets | 3.3690% | 2,285 |
| Loan and lease loss provision to assets | 0.0294% | 6,071 |
| Net operating income to assets | 0.5964% | 4,097 |
| Return on assets (ROA) | 0.5964% | 4,284 |
| Pretax return on assets | 0.8280% | 4,028 |
| Return on Equity (ROE) | 5.2400% | 4,429 |
| Retained earnings to average equity (ytd only) | 5.2400% | 3,033 |
| Net charge-offs to loans | 0.0167% | 5,919 |
| Credit loss provision to net charge-offs | 283.3333% | 1,009 |
| Earnings coverage of net charge-offs (x) | 82.6650% | 434 |
| Efficiency ratio | 79.7137% | 2,294 |
| Assets per employee ($millions) | 2.7643% | 6,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9766% | 6,369 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2145% | 6,521 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 63.6671% | 3,380 |
| Net loans and leases to deposits | 73.2153% | 3,776 |
| Net loans and leases to core deposits | 74.2590% | 4,415 |
| Total domestic deposits to total assets | 86.9588% | 2,680 |
| Equity capital to assets | 11.6161% | 2,569 |
| Core capital (leverage) ratio | 11.3145% | 2,153 |
| Tier 1 risk-based capital ratio | 19.2972% | 1,858 |
| Total risk-based capital ratio | 20.3686% | 1,870 |
| Memoranda: | ||
| Average total assets | $77,133,500 | 5,572 |
| Average earning assets | $69,705,750 | 5,593 |
| Average equity | $8,778,500 | 5,367 |
| Average total loans | $47,865,250 | 5,391 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8133% | 4,039 |
| Cost of funding earning assets | 0.8381% | 5,135 |
| Net interest margin | 3.9752% | 2,967 |
| Noninterest income to average assets | 0.5607% | 3,396 |
| Noninterest expense to average assets | 3.3877% | 2,300 |
| Loan and lease loss provision to assets | 0.0052% | 6,186 |
| Net operating income to assets | 0.5529% | 4,299 |
| Return on assets (ROA) | 0.5529% | 4,429 |
| Pretax return on assets | 0.7632% | 4,166 |
| Return on Equity (ROE) | 4.8922% | 4,502 |
| Retained earnings to average equity (ytd only) | 4.8922% | 3,065 |
| Net charge-offs to loans | 0.0127% | 5,671 |
| Credit loss provision to net charge-offs | 66.6667% | 4,148 |
| Earnings coverage of net charge-offs (x) | 98.6667% | 368 |
| Efficiency ratio | 81.5116% | 2,168 |
| Assets per employee ($millions) | 2.7551% | 6,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9837% | 6,399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 6,579 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 61.8462% | 3,916 |
| Net loans and leases to deposits | 70.9284% | 4,303 |
| Net loans and leases to core deposits | 71.9402% | 4,828 |
| Total domestic deposits to total assets | 87.1952% | 2,625 |
| Equity capital to assets | 11.4748% | 2,521 |
| Core capital (leverage) ratio | 11.2785% | 2,059 |
| Tier 1 risk-based capital ratio | 19.4364% | 1,728 |
| Total risk-based capital ratio | 20.5050% | 1,739 |
| Memoranda: | ||
| Average total assets | $77,044,330 | 5,621 |
| Average earning assets | $69,682,000 | 5,640 |
| Average equity | $8,707,670 | 5,405 |
| Average total loans | $47,232,000 | 5,466 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7668% | 4,222 |
| Cost of funding earning assets | 0.8563% | 5,235 |
| Net interest margin | 3.9105% | 3,090 |
| Noninterest income to average assets | 0.4780% | 4,066 |
| Noninterest expense to average assets | 3.4236% | 2,215 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4676% | 4,633 |
| Return on assets (ROA) | 0.4676% | 4,716 |
| Pretax return on assets | 0.6130% | 4,641 |
| Return on Equity (ROE) | 4.1688% | 4,818 |
| Retained earnings to average equity (ytd only) | 4.1688% | 3,669 |
| Net charge-offs to loans | -0.0342% | 6,755 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8134% | 1,866 |
| Assets per employee ($millions) | 2.8076% | 6,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0147% | 6,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2190% | 6,620 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 61.6437% | 3,938 |
| Net loans and leases to deposits | 70.6581% | 4,243 |
| Net loans and leases to core deposits | 71.2452% | 4,896 |
| Total domestic deposits to total assets | 87.2423% | 2,800 |
| Equity capital to assets | 11.4583% | 2,306 |
| Core capital (leverage) ratio | 11.1574% | 2,067 |
| Tier 1 risk-based capital ratio | 19.9821% | 1,593 |
| Total risk-based capital ratio | 21.1083% | 1,587 |
| Memoranda: | ||
| Average total assets | $76,995,000 | 5,668 |
| Average earning assets | $70,068,500 | 5,667 |
| Average equity | $8,635,500 | 5,426 |
| Average total loans | $46,756,000 | 5,535 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9966% | 4,576 |
| Cost of funding earning assets | 1.0749% | 5,287 |
| Net interest margin | 3.9217% | 3,389 |
| Noninterest income to average assets | 0.4760% | 4,343 |
| Noninterest expense to average assets | 3.3368% | 2,619 |
| Loan and lease loss provision to assets | 0.0128% | 6,967 |
| Net operating income to assets | 0.4708% | 4,226 |
| Return on assets (ROA) | 0.4708% | 4,392 |
| Pretax return on assets | 0.6227% | 4,249 |
| Return on Equity (ROE) | 4.2024% | 4,431 |
| Retained earnings to average equity (ytd only) | 0.2164% | 5,462 |
| Net charge-offs to loans | 0.0044% | 6,803 |
| Credit loss provision to net charge-offs | 500.0000% | 451 |
| Earnings coverage of net charge-offs (x) | 249.0000% | 93 |
| Efficiency ratio | 84.0026% | 1,920 |
| Assets per employee ($millions) | 2.8957% | 6,336 |
| Cash dividends to net income (ytd only)* | 94.8509% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 6,253 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 6,699 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 58.6161% | 4,934 |
| Net loans and leases to deposits | 66.6846% | 5,308 |
| Net loans and leases to core deposits | 67.2167% | 5,750 |
| Total domestic deposits to total assets | 87.9005% | 2,309 |
| Equity capital to assets | 10.9804% | 2,702 |
| Core capital (leverage) ratio | 10.9593% | 2,192 |
| Tier 1 risk-based capital ratio | 19.3568% | 1,628 |
| Total risk-based capital ratio | 20.4503% | 1,641 |
| Memoranda: | ||
| Average total assets | $78,369,200 | 5,632 |
| Average earning assets | $69,867,200 | 5,675 |
| Average equity | $8,780,800 | 5,479 |
| Average total loans | $45,640,200 | 5,676 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0723% | 4,465 |
| Cost of funding earning assets | 1.1133% | 5,361 |
| Net interest margin | 3.9590% | 3,295 |
| Noninterest income to average assets | 0.5084% | 4,114 |
| Noninterest expense to average assets | 3.2153% | 2,870 |
| Loan and lease loss provision to assets | 0.0170% | 6,878 |
| Net operating income to assets | 0.5747% | 3,984 |
| Return on assets (ROA) | 0.5747% | 4,148 |
| Pretax return on assets | 0.7770% | 3,984 |
| Return on Equity (ROE) | 5.1039% | 4,240 |
| Retained earnings to average equity (ytd only) | 5.1039% | 2,913 |
| Net charge-offs to loans | 0.0176% | 6,431 |
| Credit loss provision to net charge-offs | 166.6667% | 2,236 |
| Earnings coverage of net charge-offs (x) | 77.8313% | 390 |
| Efficiency ratio | 80.1951% | 2,313 |
| Assets per employee ($millions) | 2.8408% | 6,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0341% | 6,243 |
| Loan loss allowance to noncurrent loans | 7,850.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.2282% | 6,796 |
| Noncurrent loans to loans | 0.0132% | 7,233 |
| Net loans and leases to total assets | 58.7711% | 5,142 |
| Net loans and leases to deposits | 68.0638% | 5,412 |
| Net loans and leases to core deposits | 68.6265% | 5,883 |
| Total domestic deposits to total assets | 86.3470% | 2,889 |
| Equity capital to assets | 11.7834% | 2,301 |
| Core capital (leverage) ratio | 11.1064% | 2,186 |
| Tier 1 risk-based capital ratio | 20.8102% | 1,395 |
| Total risk-based capital ratio | 21.9332% | 1,393 |
| Memoranda: | ||
| Average total assets | $78,415,250 | 5,708 |
| Average earning assets | $69,341,750 | 5,759 |
| Average equity | $8,829,750 | 5,546 |
| Average total loans | $45,474,250 | 5,765 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0796% | 4,560 |
| Cost of funding earning assets | 1.1625% | 5,333 |
| Net interest margin | 3.9172% | 3,367 |
| Noninterest income to average assets | 0.5393% | 3,799 |
| Noninterest expense to average assets | 3.1828% | 2,966 |
| Loan and lease loss provision to assets | 0.0177% | 6,746 |
| Net operating income to assets | 0.5722% | 3,983 |
| Return on assets (ROA) | 0.5722% | 4,128 |
| Pretax return on assets | 0.7773% | 3,961 |
| Return on Equity (ROE) | 5.1596% | 4,209 |
| Retained earnings to average equity (ytd only) | 5.1596% | 2,808 |
| Net charge-offs to loans | 0.0264% | 5,969 |
| Credit loss provision to net charge-offs | 116.6667% | 3,476 |
| Earnings coverage of net charge-offs (x) | 52.3333% | 568 |
| Efficiency ratio | 80.0127% | 2,447 |
| Assets per employee ($millions) | 2.9001% | 6,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0310% | 6,264 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2835% | 6,708 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 57.3766% | 5,509 |
| Net loans and leases to deposits | 66.0487% | 5,796 |
| Net loans and leases to core deposits | 66.8775% | 6,166 |
| Total domestic deposits to total assets | 86.8701% | 2,611 |
| Equity capital to assets | 11.3394% | 2,560 |
| Core capital (leverage) ratio | 11.0024% | 2,245 |
| Tier 1 risk-based capital ratio | 19.9861% | 1,521 |
| Total risk-based capital ratio | 21.0717% | 1,513 |
| Memoranda: | ||
| Average total assets | $78,986,670 | 5,727 |
| Average earning assets | $69,336,000 | 5,794 |
| Average equity | $8,760,330 | 5,570 |
| Average total loans | $45,449,330 | 5,795 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1004% | 4,521 |
| Cost of funding earning assets | 1.2273% | 5,246 |
| Net interest margin | 3.8731% | 3,440 |
| Noninterest income to average assets | 0.5748% | 3,460 |
| Noninterest expense to average assets | 3.1464% | 3,073 |
| Loan and lease loss provision to assets | 0.0202% | 6,442 |
| Net operating income to assets | 0.5748% | 4,009 |
| Return on assets (ROA) | 0.5748% | 4,151 |
| Pretax return on assets | 0.7816% | 3,946 |
| Return on Equity (ROE) | 5.2408% | 4,239 |
| Retained earnings to average equity (ytd only) | 5.2408% | 3,020 |
| Net charge-offs to loans | 0.0440% | 4,980 |
| Credit loss provision to net charge-offs | 80.0000% | 3,875 |
| Earnings coverage of net charge-offs (x) | 31.8000% | 840 |
| Efficiency ratio | 79.6935% | 2,615 |
| Assets per employee ($millions) | 2.9021% | 6,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 6,355 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3369% | 6,637 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 57.6349% | 5,506 |
| Net loans and leases to deposits | 66.2243% | 5,796 |
| Net loans and leases to core deposits | 67.0522% | 6,201 |
| Total domestic deposits to total assets | 87.0299% | 2,617 |
| Equity capital to assets | 11.1451% | 2,639 |
| Core capital (leverage) ratio | 10.8831% | 2,303 |
| Tier 1 risk-based capital ratio | 19.6225% | 1,598 |
| Total risk-based capital ratio | 20.6979% | 1,605 |
| Memoranda: | ||
| Average total assets | $79,329,000 | 5,789 |
| Average earning assets | $69,092,000 | 5,875 |
| Average equity | $8,701,000 | 5,628 |
| Average total loans | $45,476,500 | 5,863 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4987% | 4,148 |
| Cost of funding earning assets | 1.5044% | 5,496 |
| Net interest margin | 3.9943% | 2,887 |
| Noninterest income to average assets | 0.4095% | 5,130 |
| Noninterest expense to average assets | 3.2129% | 3,333 |
| Loan and lease loss provision to assets | 0.0231% | 7,277 |
| Net operating income to assets | 0.5584% | 3,489 |
| Return on assets (ROA) | 0.5584% | 3,576 |
| Pretax return on assets | 0.7214% | 3,505 |
| Return on Equity (ROE) | 4.9767% | 3,672 |
| Retained earnings to average equity (ytd only) | 0.4004% | 4,683 |
| Net charge-offs to loans | 0.0284% | 6,847 |
| Credit loss provision to net charge-offs | 138.4615% | 3,546 |
| Earnings coverage of net charge-offs (x) | 44.6154% | 564 |
| Efficiency ratio | 81.1872% | 2,714 |
| Assets per employee ($millions) | 2.9741% | 6,284 |
| Cash dividends to net income (ytd only)* | 91.9540% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 6,218 |
| Loan loss allowance to noncurrent loans | 9,340.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.1968% | 6,972 |
| Noncurrent loans to loans | 0.0110% | 7,414 |
| Net loans and leases to total assets | 55.8636% | 5,966 |
| Net loans and leases to deposits | 63.8817% | 6,278 |
| Net loans and leases to core deposits | 78.9313% | 6,185 |
| Total domestic deposits to total assets | 87.4485% | 2,244 |
| Equity capital to assets | 10.7956% | 2,873 |
| Core capital (leverage) ratio | 10.8670% | 2,307 |
| Tier 1 risk-based capital ratio | 19.2242% | 1,607 |
| Total risk-based capital ratio | 20.2942% | 1,610 |
| Memoranda: | ||
| Average total assets | $77,905,800 | 5,787 |
| Average earning assets | $69,197,800 | 5,835 |
| Average equity | $8,740,800 | 5,683 |
| Average total loans | $45,818,000 | 5,843 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5509% | 4,148 |
| Cost of funding earning assets | 1.5519% | 5,626 |
| Net interest margin | 3.9990% | 2,829 |
| Noninterest income to average assets | 0.4087% | 5,223 |
| Noninterest expense to average assets | 3.0906% | 3,682 |
| Loan and lease loss provision to assets | 0.0172% | 7,172 |
| Net operating income to assets | 0.6571% | 3,371 |
| Return on assets (ROA) | 0.6571% | 3,432 |
| Pretax return on assets | 0.8830% | 3,278 |
| Return on Equity (ROE) | 5.7998% | 3,606 |
| Retained earnings to average equity (ytd only) | 5.7998% | 2,045 |
| Net charge-offs to loans | 0.0261% | 6,517 |
| Credit loss provision to net charge-offs | 111.1111% | 4,573 |
| Earnings coverage of net charge-offs (x) | 57.9983% | 565 |
| Efficiency ratio | 77.4417% | 3,248 |
| Assets per employee ($millions) | 2.8239% | 6,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 6,242 |
| Loan loss allowance to noncurrent loans | 2,204.7619% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.3200% | 6,684 |
| Noncurrent loans to loans | 0.0457% | 7,394 |
| Net loans and leases to total assets | 59.6414% | 5,638 |
| Net loans and leases to deposits | 69.7332% | 5,951 |
| Net loans and leases to core deposits | 87.0847% | 5,745 |
| Total domestic deposits to total assets | 85.5280% | 2,953 |
| Equity capital to assets | 11.8239% | 2,341 |
| Core capital (leverage) ratio | 11.2962% | 2,190 |
| Tier 1 risk-based capital ratio | 20.0989% | 1,541 |
| Total risk-based capital ratio | 21.1642% | 1,530 |
| Memoranda: | ||
| Average total assets | $77,307,000 | 5,837 |
| Average earning assets | $69,248,250 | 5,871 |
| Average equity | $8,758,750 | 5,733 |
| Average total loans | $45,941,000 | 5,889 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6116% | 4,016 |
| Cost of funding earning assets | 1.6074% | 5,716 |
| Net interest margin | 4.0042% | 2,682 |
| Noninterest income to average assets | 0.3966% | 5,322 |
| Noninterest expense to average assets | 2.9642% | 4,232 |
| Loan and lease loss provision to assets | 0.0129% | 7,086 |
| Net operating income to assets | 0.7262% | 3,148 |
| Return on assets (ROA) | 0.7262% | 3,252 |
| Pretax return on assets | 0.9863% | 3,061 |
| Return on Equity (ROE) | 6.5027% | 3,437 |
| Retained earnings to average equity (ytd only) | 6.5027% | 1,796 |
| Net charge-offs to loans | -0.0044% | 7,516 |
| Credit loss provision to net charge-offs | -500.0000% | 7,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7888% | 3,908 |
| Assets per employee ($millions) | 2.7707% | 6,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 6,164 |
| Loan loss allowance to noncurrent loans | 46,800.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 6,959 |
| Noncurrent loans to loans | 0.0022% | 7,573 |
| Net loans and leases to total assets | 59.1565% | 5,814 |
| Net loans and leases to deposits | 68.7752% | 6,115 |
| Net loans and leases to core deposits | 84.1317% | 6,080 |
| Total domestic deposits to total assets | 86.0143% | 2,785 |
| Equity capital to assets | 11.3703% | 2,619 |
| Core capital (leverage) ratio | 11.1990% | 2,261 |
| Tier 1 risk-based capital ratio | 19.7738% | 1,623 |
| Total risk-based capital ratio | 20.8453% | 1,616 |
| Memoranda: | ||
| Average total assets | $77,661,330 | 5,876 |
| Average earning assets | $69,178,000 | 5,916 |
| Average equity | $8,673,330 | 5,786 |
| Average total loans | $45,942,670 | 5,934 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6832% | 3,887 |
| Cost of funding earning assets | 1.6668% | 5,752 |
| Net interest margin | 4.0164% | 2,582 |
| Noninterest income to average assets | 0.3655% | 5,511 |
| Noninterest expense to average assets | 2.7901% | 4,594 |
| Loan and lease loss provision to assets | 0.0257% | 6,594 |
| Net operating income to assets | 0.7928% | 3,157 |
| Return on assets (ROA) | 0.7928% | 3,321 |
| Pretax return on assets | 1.1222% | 2,902 |
| Return on Equity (ROE) | 7.1632% | 3,527 |
| Retained earnings to average equity (ytd only) | 7.1632% | 2,152 |
| Net charge-offs to loans | -0.0175% | 7,401 |
| Credit loss provision to net charge-offs | -250.0000% | 6,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8497% | 4,398 |
| Assets per employee ($millions) | 2.9967% | 6,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 6,069 |
| Loan loss allowance to noncurrent loans | 124.4032% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.6327% | 5,592 |
| Noncurrent loans to loans | 0.8169% | 5,403 |
| Net loans and leases to total assets | 58.6326% | 5,854 |
| Net loans and leases to deposits | 68.5427% | 6,125 |
| Net loans and leases to core deposits | 82.7606% | 6,163 |
| Total domestic deposits to total assets | 85.5418% | 2,947 |
| Equity capital to assets | 11.1520% | 2,851 |
| Core capital (leverage) ratio | 11.0524% | 2,465 |
| Tier 1 risk-based capital ratio | 19.6037% | 1,697 |
| Total risk-based capital ratio | 20.6843% | 1,678 |
| Memoranda: | ||
| Average total assets | $77,702,500 | 5,896 |
| Average earning assets | $69,116,500 | 5,944 |
| Average equity | $8,599,500 | 5,846 |
| Average total loans | $45,733,500 | 5,974 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9792% | 5,646 |
| Cost of funding earning assets | 2.1473% | 5,847 |
| Net interest margin | 3.8319% | 3,884 |
| Noninterest income to average assets | 0.4498% | 5,037 |
| Noninterest expense to average assets | 2.8397% | 4,646 |
| Loan and lease loss provision to assets | 0.0317% | 7,009 |
| Net operating income to assets | 0.7793% | 3,527 |
| Return on assets (ROA) | 0.7793% | 3,371 |
| Pretax return on assets | 1.0517% | 3,205 |
| Return on Equity (ROE) | 7.2843% | 3,380 |
| Retained earnings to average equity (ytd only) | 1.9543% | 4,016 |
| Net charge-offs to loans | 0.0521% | 6,044 |
| Credit loss provision to net charge-offs | 104.1667% | 5,130 |
| Earnings coverage of net charge-offs (x) | 35.6250% | 1,023 |
| Efficiency ratio | 72.3837% | 3,863 |
| Assets per employee ($millions) | 3.0996% | 5,764 |
| Cash dividends to net income (ytd only)* | 73.1707% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0195% | 5,856 |
| Loan loss allowance to noncurrent loans | 5,775.0000% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 6,930 |
| Noncurrent loans to loans | 0.0177% | 7,460 |
| Net loans and leases to total assets | 57.8816% | 6,213 |
| Net loans and leases to deposits | 67.6139% | 6,496 |
| Net loans and leases to core deposits | 81.3394% | 6,512 |
| Total domestic deposits to total assets | 85.6061% | 2,582 |
| Equity capital to assets | 10.9819% | 3,052 |
| Core capital (leverage) ratio | 11.0786% | 2,529 |
| Tier 1 risk-based capital ratio | 19.6362% | 1,675 |
| Total risk-based capital ratio | 20.7220% | 1,672 |
| Memoranda: | ||
| Average total assets | $78,916,200 | 5,732 |
| Average earning assets | $71,531,400 | 5,760 |
| Average equity | $8,442,800 | 5,927 |
| Average total loans | $46,022,800 | 5,873 |