Home > Bay Port State Bank > Performance and Condition Ratios
Bay Port State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1400% | 1,771 |
| Cost of funding earning assets | 0.5202% | 4,179 |
| Net interest margin | 4.6198% | 513 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 3.0089% | 1,114 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.2207% | 1,600 |
| Return on assets (ROA) | 1.2207% | 1,576 |
| Pretax return on assets | 1.5453% | 1,333 |
| Return on Equity (ROE) | 14.8500% | 1,313 |
| Retained earnings to average equity (ytd only) | 12.6576% | 554 |
| Net charge-offs to loans | 0.0036% | 2,629 |
| Credit loss provision to net charge-offs | 2,450.0000% | 195 |
| Earnings coverage of net charge-offs (x) | 574.7500% | 258 |
| Efficiency ratio | 65.0236% | 2,477 |
| Assets per employee ($millions) | 4.5361% | 3,930 |
| Cash dividends to net income (ytd only)* | 14.7636% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4207% | 1,310 |
| Loan loss allowance to noncurrent loans | 578.1022% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.1888% | 2,284 |
| Noncurrent loans to loans | 0.2458% | 2,319 |
| Net loans and leases to total assets | 75.7200% | 1,154 |
| Net loans and leases to deposits | 83.2645% | 1,836 |
| Net loans and leases to core deposits | 86.4500% | 2,280 |
| Total domestic deposits to total assets | 90.9400% | 526 |
| Equity capital to assets | 8.6266% | 2,948 |
| Core capital (leverage) ratio | 9.0676% | 3,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8349% | 1,924 |
| Memoranda: | ||
| Average total assets | $142,045,400 | 3,441 |
| Average earning assets | $134,552,400 | 3,396 |
| Average equity | $11,676,800 | 3,560 |
| Average total loans | $109,874,400 | 3,064 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1136% | 1,605 |
| Cost of funding earning assets | 0.4643% | 4,183 |
| Net interest margin | 4.6492% | 494 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 3.0325% | 1,025 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.2562% | 1,641 |
| Return on assets (ROA) | 1.2562% | 1,634 |
| Pretax return on assets | 1.5903% | 1,382 |
| Return on Equity (ROE) | 15.4800% | 1,353 |
| Retained earnings to average equity (ytd only) | 13.2452% | 783 |
| Net charge-offs to loans | 0.0037% | 2,373 |
| Credit loss provision to net charge-offs | 1,200.0000% | 362 |
| Earnings coverage of net charge-offs (x) | 575.6667% | 272 |
| Efficiency ratio | 65.0405% | 2,383 |
| Assets per employee ($millions) | 4.4137% | 3,991 |
| Cash dividends to net income (ytd only)* | 14.4252% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3329% | 1,722 |
| Loan loss allowance to noncurrent loans | 629.3388% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.1769% | 2,402 |
| Noncurrent loans to loans | 0.2118% | 2,501 |
| Net loans and leases to total assets | 82.4000% | 405 |
| Net loans and leases to deposits | 90.7518% | 1,170 |
| Net loans and leases to core deposits | 93.8327% | 1,687 |
| Total domestic deposits to total assets | 90.7900% | 720 |
| Equity capital to assets | 8.7192% | 2,588 |
| Core capital (leverage) ratio | 8.8445% | 3,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5538% | 2,060 |
| Memoranda: | ||
| Average total assets | $141,268,000 | 3,455 |
| Average earning assets | $134,097,750 | 3,410 |
| Average equity | $11,465,500 | 3,578 |
| Average total loans | $109,469,500 | 3,065 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9650% | 1,621 |
| Cost of funding earning assets | 0.4163% | 4,136 |
| Net interest margin | 4.5486% | 579 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 3.0095% | 1,034 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.1867% | 1,865 |
| Return on assets (ROA) | 1.1867% | 1,859 |
| Pretax return on assets | 1.5019% | 1,596 |
| Return on Equity (ROE) | 14.9800% | 1,474 |
| Retained earnings to average equity (ytd only) | 12.7137% | 851 |
| Net charge-offs to loans | 0.0056% | 2,052 |
| Credit loss provision to net charge-offs | 933.3333% | 430 |
| Earnings coverage of net charge-offs (x) | 366.6667% | 389 |
| Efficiency ratio | 66.1330% | 2,218 |
| Assets per employee ($millions) | 4.5631% | 3,906 |
| Cash dividends to net income (ytd only)* | 15.1122% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3601% | 1,670 |
| Loan loss allowance to noncurrent loans | 392.4870% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.2729% | 1,838 |
| Noncurrent loans to loans | 0.3465% | 1,890 |
| Net loans and leases to total assets | 77.6700% | 869 |
| Net loans and leases to deposits | 85.0480% | 1,583 |
| Net loans and leases to core deposits | 87.7926% | 1,938 |
| Total domestic deposits to total assets | 91.3300% | 546 |
| Equity capital to assets | 8.2180% | 3,075 |
| Core capital (leverage) ratio | 8.2732% | 4,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2507% | 2,196 |
| Memoranda: | ||
| Average total assets | $142,749,333 | 3,450 |
| Average earning assets | $135,469,000 | 3,406 |
| Average equity | $11,310,667 | 3,602 |
| Average total loans | $107,871,667 | 3,078 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7976% | 1,624 |
| Cost of funding earning assets | 0.3530% | 4,064 |
| Net interest margin | 4.4446% | 633 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 3.0461% | 998 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.0600% | 2,350 |
| Return on assets (ROA) | 1.0600% | 2,320 |
| Pretax return on assets | 1.3417% | 2,052 |
| Return on Equity (ROE) | 13.6300% | 1,853 |
| Retained earnings to average equity (ytd only) | 11.3328% | 1,391 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.6361% | 1,902 |
| Assets per employee ($millions) | 4.5060% | 4,019 |
| Cash dividends to net income (ytd only)* | 16.8421% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 1,704 |
| Loan loss allowance to noncurrent loans | 309.6509% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.3377% | 1,509 |
| Noncurrent loans to loans | 0.4455% | 1,607 |
| Net loans and leases to total assets | 74.7600% | 1,108 |
| Net loans and leases to deposits | 81.4324% | 1,715 |
| Net loans and leases to core deposits | 83.9997% | 1,982 |
| Total domestic deposits to total assets | 91.8100% | 565 |
| Equity capital to assets | 7.8583% | 3,341 |
| Core capital (leverage) ratio | 7.9621% | 4,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8523% | 2,451 |
| Memoranda: | ||
| Average total assets | $143,395,500 | 3,487 |
| Average earning assets | $135,985,500 | 3,448 |
| Average equity | $11,153,500 | 3,660 |
| Average total loans | $106,112,000 | 3,134 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2362% | 1,182 |
| Cost of funding earning assets | 0.2178% | 3,614 |
| Net interest margin | 4.0183% | 767 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.7240% | 1,505 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | 0.8021% | 3,314 |
| Return on assets (ROA) | 0.8021% | 3,244 |
| Pretax return on assets | 1.0151% | 3,034 |
| Return on Equity (ROE) | 10.9900% | 2,480 |
| Retained earnings to average equity (ytd only) | 9.3370% | 1,377 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.6643% | 1,248 |
| Assets per employee ($millions) | 4.4562% | 4,065 |
| Cash dividends to net income (ytd only)* | 15.0566% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4478% | 1,344 |
| Loan loss allowance to noncurrent loans | 600.8065% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.1739% | 2,329 |
| Noncurrent loans to loans | 0.2410% | 2,316 |
| Net loans and leases to total assets | 71.1300% | 1,513 |
| Net loans and leases to deposits | 77.2597% | 2,014 |
| Net loans and leases to core deposits | 79.7210% | 2,152 |
| Total domestic deposits to total assets | 92.0600% | 625 |
| Equity capital to assets | 7.6971% | 3,259 |
| Core capital (leverage) ratio | 7.7423% | 4,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5410% | 2,154 |
| Memoranda: | ||
| Average total assets | $143,244,000 | 3,507 |
| Average earning assets | $122,563,600 | 3,591 |
| Average equity | $10,453,000 | 3,817 |
| Average total loans | $100,063,400 | 3,152 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0395% | 1,186 |
| Cost of funding earning assets | 0.2153% | 3,084 |
| Net interest margin | 3.8242% | 914 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.7195% | 1,426 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | 0.6164% | 3,799 |
| Return on assets (ROA) | 0.6164% | 3,754 |
| Pretax return on assets | 0.7801% | 3,631 |
| Return on Equity (ROE) | 8.5600% | 3,162 |
| Retained earnings to average equity (ytd only) | 6.9750% | 2,365 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.9261% | 842 |
| Assets per employee ($millions) | 4.6437% | 3,945 |
| Cash dividends to net income (ytd only)* | 18.5520% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4425% | 1,476 |
| Loan loss allowance to noncurrent loans | 239.3258% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.4328% | 1,257 |
| Noncurrent loans to loans | 0.6027% | 1,343 |
| Net loans and leases to total assets | 70.7700% | 1,414 |
| Net loans and leases to deposits | 76.5429% | 1,829 |
| Net loans and leases to core deposits | 79.3220% | 1,948 |
| Total domestic deposits to total assets | 92.4600% | 728 |
| Equity capital to assets | 7.2926% | 3,344 |
| Core capital (leverage) ratio | 7.3679% | 4,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1240% | 2,416 |
| Memoranda: | ||
| Average total assets | $143,405,250 | 3,530 |
| Average earning assets | $119,516,250 | 3,655 |
| Average equity | $10,322,250 | 3,882 |
| Average total loans | $99,350,500 | 3,162 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9241% | 1,072 |
| Cost of funding earning assets | 0.2272% | 2,544 |
| Net interest margin | 3.6969% | 915 |
| Noninterest income to average assets | 0.2611% | 3,611 |
| Noninterest expense to average assets | 2.6434% | 1,516 |
| Loan and lease loss provision to assets | -0.0810% | 4,570 |
| Net operating income to assets | 0.5153% | 3,859 |
| Return on assets (ROA) | 0.5153% | 3,813 |
| Pretax return on assets | 0.6521% | 3,710 |
| Return on Equity (ROE) | 7.1904% | 3,257 |
| Retained earnings to average equity (ytd only) | 5.6705% | 2,450 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2328% | 784 |
| Assets per employee ($millions) | 4.3993% | 4,155 |
| Cash dividends to net income (ytd only)* | 21.1382% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4548% | 1,543 |
| Loan loss allowance to noncurrent loans | 164.2070% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.6254% | 884 |
| Noncurrent loans to loans | 0.8860% | 953 |
| Net loans and leases to total assets | 69.5673% | 1,337 |
| Net loans and leases to deposits | 75.1479% | 1,750 |
| Net loans and leases to core deposits | 78.0149% | 1,849 |
| Total domestic deposits to total assets | 92.5738% | 628 |
| Equity capital to assets | 7.1431% | 3,693 |
| Core capital (leverage) ratio | 7.1963% | 4,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0600% | 2,472 |
| Memoranda: | ||
| Average total assets | $143,222,333 | 3,572 |
| Average earning assets | $114,420,667 | 3,762 |
| Average equity | $10,263,667 | 3,953 |
| Average total loans | $98,012,333 | 3,210 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1816% | 541 |
| Cost of funding earning assets | 0.2558% | 2,092 |
| Net interest margin | 3.9258% | 472 |
| Noninterest income to average assets | 0.2868% | 3,408 |
| Noninterest expense to average assets | 2.6574% | 1,458 |
| Loan and lease loss provision to assets | -0.1631% | 4,659 |
| Net operating income to assets | 0.5062% | 3,697 |
| Return on assets (ROA) | 0.5062% | 3,664 |
| Pretax return on assets | 0.6411% | 3,532 |
| Return on Equity (ROE) | 7.0516% | 3,024 |
| Retained earnings to average equity (ytd only) | 5.5237% | 2,407 |
| Net charge-offs to loans | -0.0042% | 3,286 |
| Credit loss provision to net charge-offs | 5,800.0000% | 82 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7534% | 802 |
| Assets per employee ($millions) | 4.5399% | 4,114 |
| Cash dividends to net income (ytd only)* | 21.6667% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5181% | 1,503 |
| Loan loss allowance to noncurrent loans | 181.7296% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.5651% | 1,059 |
| Noncurrent loans to loans | 0.8354% | 1,123 |
| Net loans and leases to total assets | 66.6249% | 1,350 |
| Net loans and leases to deposits | 71.8752% | 1,788 |
| Net loans and leases to core deposits | 74.9566% | 1,852 |
| Total domestic deposits to total assets | 92.6953% | 348 |
| Equity capital to assets | 7.0500% | 4,193 |
| Core capital (leverage) ratio | 7.2190% | 4,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6332% | 2,737 |
| Memoranda: | ||
| Average total assets | $142,245,500 | 3,596 |
| Average earning assets | $103,214,500 | 3,896 |
| Average equity | $10,210,500 | 4,029 |
| Average total loans | $95,775,500 | 3,252 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7433% | 395 |
| Cost of funding earning assets | 0.3533% | 1,912 |
| Net interest margin | 4.3901% | 345 |
| Noninterest income to average assets | 0.2939% | 3,641 |
| Noninterest expense to average assets | 2.5797% | 1,924 |
| Loan and lease loss provision to assets | 0.0888% | 1,397 |
| Net operating income to assets | 0.8885% | 3,083 |
| Return on assets (ROA) | 0.8885% | 3,144 |
| Pretax return on assets | 1.1249% | 2,893 |
| Return on Equity (ROE) | 11.9757% | 1,824 |
| Retained earnings to average equity (ytd only) | 10.2222% | 860 |
| Net charge-offs to loans | -0.0062% | 3,602 |
| Credit loss provision to net charge-offs | -1,933.3333% | 4,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0048% | 1,977 |
| Assets per employee ($millions) | 4.4908% | 4,122 |
| Cash dividends to net income (ytd only)* | 14.6425% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6608% | 1,140 |
| Loan loss allowance to noncurrent loans | 331.6916% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.3355% | 1,891 |
| Noncurrent loans to loans | 0.5007% | 1,875 |
| Net loans and leases to total assets | 65.8837% | 1,483 |
| Net loans and leases to deposits | 71.2521% | 1,984 |
| Net loans and leases to core deposits | 75.0812% | 1,991 |
| Total domestic deposits to total assets | 92.4656% | 97 |
| Equity capital to assets | 7.3117% | 4,652 |
| Core capital (leverage) ratio | 7.3311% | 4,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8918% | 2,667 |
| Memoranda: | ||
| Average total assets | $130,673,600 | 3,679 |
| Average earning assets | $104,167,200 | 3,864 |
| Average equity | $9,694,600 | 4,166 |
| Average total loans | $96,906,800 | 3,239 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7895% | 416 |
| Cost of funding earning assets | 0.3715% | 1,924 |
| Net interest margin | 4.4180% | 365 |
| Noninterest income to average assets | 0.3018% | 3,626 |
| Noninterest expense to average assets | 2.5745% | 1,914 |
| Loan and lease loss provision to assets | 0.0934% | 1,278 |
| Net operating income to assets | 0.9958% | 2,930 |
| Return on assets (ROA) | 0.9958% | 2,996 |
| Pretax return on assets | 1.2603% | 2,734 |
| Return on Equity (ROE) | 13.3699% | 1,590 |
| Retained earnings to average equity (ytd only) | 11.6012% | 919 |
| Net charge-offs to loans | -0.0082% | 3,595 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5400% | 2,169 |
| Assets per employee ($millions) | 4.1839% | 4,338 |
| Cash dividends to net income (ytd only)* | 13.2292% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 1,340 |
| Loan loss allowance to noncurrent loans | 317.2917% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.3585% | 2,001 |
| Noncurrent loans to loans | 0.5047% | 2,048 |
| Net loans and leases to total assets | 69.9053% | 1,082 |
| Net loans and leases to deposits | 75.8432% | 1,686 |
| Net loans and leases to core deposits | 79.5749% | 1,775 |
| Total domestic deposits to total assets | 92.1708% | 94 |
| Equity capital to assets | 7.4848% | 4,713 |
| Core capital (leverage) ratio | 7.6058% | 4,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9774% | 2,711 |
| Memoranda: | ||
| Average total assets | $128,538,250 | 3,733 |
| Average earning assets | $105,505,000 | 3,895 |
| Average equity | $9,573,500 | 4,241 |
| Average total loans | $97,816,250 | 3,272 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3695% | 891 |
| Cost of funding earning assets | 0.3808% | 2,043 |
| Net interest margin | 3.9887% | 844 |
| Noninterest income to average assets | 0.2935% | 3,668 |
| Noninterest expense to average assets | 2.4740% | 2,228 |
| Loan and lease loss provision to assets | 0.0947% | 1,321 |
| Net operating income to assets | 0.8931% | 3,244 |
| Return on assets (ROA) | 0.8931% | 3,319 |
| Pretax return on assets | 1.1297% | 3,115 |
| Return on Equity (ROE) | 12.0115% | 2,063 |
| Retained earnings to average equity (ytd only) | 10.2076% | 1,340 |
| Net charge-offs to loans | -0.0122% | 3,747 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8942% | 2,029 |
| Assets per employee ($millions) | 4.0288% | 4,430 |
| Cash dividends to net income (ytd only)* | 15.0177% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4736% | 1,671 |
| Loan loss allowance to noncurrent loans | 257.4138% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.4499% | 1,836 |
| Noncurrent loans to loans | 0.5725% | 1,968 |
| Net loans and leases to total assets | 77.4286% | 484 |
| Net loans and leases to deposits | 83.9940% | 1,070 |
| Net loans and leases to core deposits | 87.6184% | 1,298 |
| Total domestic deposits to total assets | 92.1835% | 95 |
| Equity capital to assets | 7.5000% | 4,742 |
| Core capital (leverage) ratio | 7.4935% | 4,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5664% | 2,842 |
| Memoranda: | ||
| Average total assets | $126,756,333 | 3,767 |
| Average earning assets | $108,205,000 | 3,892 |
| Average equity | $9,424,333 | 4,273 |
| Average total loans | $98,716,667 | 3,271 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0994% | 1,384 |
| Cost of funding earning assets | 0.3875% | 2,200 |
| Net interest margin | 3.7119% | 1,306 |
| Noninterest income to average assets | 0.2833% | 3,704 |
| Noninterest expense to average assets | 2.3585% | 2,629 |
| Loan and lease loss provision to assets | 0.0955% | 1,403 |
| Net operating income to assets | 0.8625% | 3,228 |
| Return on assets (ROA) | 0.8625% | 3,313 |
| Pretax return on assets | 1.0917% | 3,132 |
| Return on Equity (ROE) | 11.6534% | 2,145 |
| Retained earnings to average equity (ytd only) | 9.8043% | 1,707 |
| Net charge-offs to loans | 0.0041% | 1,770 |
| Credit loss provision to net charge-offs | 3,000.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 373.0000% | 243 |
| Efficiency ratio | 66.5171% | 2,155 |
| Assets per employee ($millions) | 4.0142% | 4,470 |
| Cash dividends to net income (ytd only)* | 15.8672% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4405% | 1,802 |
| Loan loss allowance to noncurrent loans | 351.6908% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.3223% | 2,534 |
| Noncurrent loans to loans | 0.4096% | 2,640 |
| Net loans and leases to total assets | 77.5521% | 494 |
| Net loans and leases to deposits | 83.9829% | 1,146 |
| Net loans and leases to core deposits | 87.6333% | 1,396 |
| Total domestic deposits to total assets | 92.3427% | 92 |
| Equity capital to assets | 7.3303% | 4,764 |
| Core capital (leverage) ratio | 7.4996% | 4,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4175% | 2,834 |
| Memoranda: | ||
| Average total assets | $125,674,500 | 3,789 |
| Average earning assets | $110,455,500 | 3,868 |
| Average equity | $9,302,000 | 4,295 |
| Average total loans | $97,418,000 | 3,299 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4778% | 1,370 |
| Cost of funding earning assets | 0.5497% | 2,616 |
| Net interest margin | 3.9281% | 1,140 |
| Noninterest income to average assets | 0.2700% | 3,860 |
| Noninterest expense to average assets | 2.8350% | 1,848 |
| Loan and lease loss provision to assets | 0.1772% | 2,176 |
| Net operating income to assets | 0.7197% | 3,364 |
| Return on assets (ROA) | 0.7197% | 3,498 |
| Pretax return on assets | 0.9113% | 3,335 |
| Return on Equity (ROE) | 9.6221% | 2,152 |
| Retained earnings to average equity (ytd only) | 7.5240% | 1,191 |
| Net charge-offs to loans | -0.0081% | 4,217 |
| Credit loss provision to net charge-offs | -2,625.0000% | 4,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2581% | 1,651 |
| Assets per employee ($millions) | 3.8405% | 4,477 |
| Cash dividends to net income (ytd only)* | 21.8054% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5262% | 1,495 |
| Loan loss allowance to noncurrent loans | 200.7013% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.5802% | 1,820 |
| Noncurrent loans to loans | 0.7604% | 1,805 |
| Net loans and leases to total assets | 75.1294% | 885 |
| Net loans and leases to deposits | 81.4120% | 1,719 |
| Net loans and leases to core deposits | 85.0797% | 1,946 |
| Total domestic deposits to total assets | 92.2829% | 50 |
| Equity capital to assets | 7.4762% | 4,842 |
| Core capital (leverage) ratio | 7.4456% | 4,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9588% | 2,640 |
| Memoranda: | ||
| Average total assets | $118,517,200 | 3,763 |
| Average earning assets | $110,232,000 | 3,766 |
| Average equity | $8,865,000 | 4,334 |
| Average total loans | $98,285,600 | 3,259 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6479% | 1,189 |
| Cost of funding earning assets | 0.5919% | 2,668 |
| Net interest margin | 4.0560% | 987 |
| Noninterest income to average assets | 0.2827% | 3,791 |
| Noninterest expense to average assets | 2.8762% | 1,753 |
| Loan and lease loss provision to assets | 0.1703% | 2,293 |
| Net operating income to assets | 0.7733% | 3,198 |
| Return on assets (ROA) | 0.7733% | 3,312 |
| Pretax return on assets | 0.9788% | 3,139 |
| Return on Equity (ROE) | 10.3364% | 1,893 |
| Retained earnings to average equity (ytd only) | 8.2418% | 1,225 |
| Net charge-offs to loans | -0.0107% | 4,239 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4528% | 1,703 |
| Assets per employee ($millions) | 3.8478% | 4,443 |
| Cash dividends to net income (ytd only)* | 20.2643% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3643% | 1,902 |
| Loan loss allowance to noncurrent loans | 129.8295% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.8853% | 1,305 |
| Noncurrent loans to loans | 1.0508% | 1,419 |
| Net loans and leases to total assets | 83.0972% | 353 |
| Net loans and leases to deposits | 90.3539% | 1,233 |
| Net loans and leases to core deposits | 94.4333% | 1,598 |
| Total domestic deposits to total assets | 91.9686% | 55 |
| Equity capital to assets | 7.5980% | 4,833 |
| Core capital (leverage) ratio | 7.4068% | 4,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2048% | 2,867 |
| Memoranda: | ||
| Average total assets | $117,422,500 | 3,772 |
| Average earning assets | $108,348,250 | 3,785 |
| Average equity | $8,784,250 | 4,356 |
| Average total loans | $99,416,500 | 3,253 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7913% | 1,191 |
| Cost of funding earning assets | 0.6435% | 2,737 |
| Net interest margin | 4.1479% | 1,022 |
| Noninterest income to average assets | 0.2705% | 3,860 |
| Noninterest expense to average assets | 2.9400% | 1,737 |
| Loan and lease loss provision to assets | 0.1541% | 2,455 |
| Net operating income to assets | 0.7603% | 3,182 |
| Return on assets (ROA) | 0.7603% | 3,293 |
| Pretax return on assets | 0.9623% | 3,141 |
| Return on Equity (ROE) | 10.2171% | 1,919 |
| Retained earnings to average equity (ytd only) | 8.1000% | 1,269 |
| Net charge-offs to loans | -0.0061% | 4,067 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4778% | 1,625 |
| Assets per employee ($millions) | 4.0644% | 4,243 |
| Cash dividends to net income (ytd only)* | 20.7207% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 2,096 |
| Loan loss allowance to noncurrent loans | 248.2890% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.4806% | 2,398 |
| Noncurrent loans to loans | 0.5160% | 2,611 |
| Net loans and leases to total assets | 82.5306% | 368 |
| Net loans and leases to deposits | 89.5733% | 1,393 |
| Net loans and leases to core deposits | 95.5171% | 1,611 |
| Total domestic deposits to total assets | 92.1375% | 43 |
| Equity capital to assets | 7.2778% | 4,930 |
| Core capital (leverage) ratio | 7.3744% | 4,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5460% | 3,078 |
| Memoranda: | ||
| Average total assets | $116,802,667 | 3,762 |
| Average earning assets | $106,609,000 | 3,796 |
| Average equity | $8,691,333 | 4,376 |
| Average total loans | $99,058,333 | 3,252 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7729% | 1,496 |
| Cost of funding earning assets | 0.6577% | 3,129 |
| Net interest margin | 4.1152% | 1,101 |
| Noninterest income to average assets | 0.3186% | 3,609 |
| Noninterest expense to average assets | 3.2319% | 1,359 |
| Loan and lease loss provision to assets | 0.1050% | 2,371 |
| Net operating income to assets | 0.7143% | 3,226 |
| Return on assets (ROA) | 0.7143% | 3,304 |
| Pretax return on assets | 0.9034% | 3,133 |
| Return on Equity (ROE) | 9.4884% | 1,916 |
| Retained earnings to average equity (ytd only) | 7.3488% | 1,424 |
| Net charge-offs to loans | -0.0041% | 3,801 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2180% | 1,541 |
| Assets per employee ($millions) | 3.7130% | 4,260 |
| Cash dividends to net income (ytd only)* | 22.5490% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 2,359 |
| Loan loss allowance to noncurrent loans | 88.0396% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 1.2797% | 921 |
| Noncurrent loans to loans | 1.4264% | 1,115 |
| Net loans and leases to total assets | 84.9846% | 201 |
| Net loans and leases to deposits | 92.4862% | 1,226 |
| Net loans and leases to core deposits | 99.4207% | 1,522 |
| Total domestic deposits to total assets | 91.8889% | 44 |
| Equity capital to assets | 7.5403% | 5,030 |
| Core capital (leverage) ratio | 7.6417% | 5,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4434% | 3,237 |
| Memoranda: | ||
| Average total assets | $114,237,500 | 3,786 |
| Average earning assets | $108,863,500 | 3,730 |
| Average equity | $8,600,000 | 4,408 |
| Average total loans | $97,618,500 | 3,256 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0061% | 1,460 |
| Cost of funding earning assets | 0.6691% | 3,317 |
| Net interest margin | 4.3370% | 1,012 |
| Noninterest income to average assets | 0.4011% | 3,287 |
| Noninterest expense to average assets | 3.0619% | 1,846 |
| Loan and lease loss provision to assets | 0.2364% | 805 |
| Net operating income to assets | 0.9632% | 2,975 |
| Return on assets (ROA) | 0.9632% | 3,057 |
| Pretax return on assets | 1.2350% | 2,722 |
| Return on Equity (ROE) | 12.7952% | 1,238 |
| Retained earnings to average equity (ytd only) | 10.5081% | 397 |
| Net charge-offs to loans | 0.2138% | 957 |
| Credit loss provision to net charge-offs | 126.3682% | 2,017 |
| Earnings coverage of net charge-offs (x) | 7.8657% | 2,834 |
| Efficiency ratio | 67.5426% | 2,522 |
| Assets per employee ($millions) | 3.6572% | 4,312 |
| Cash dividends to net income (ytd only)* | 17.8744% | 3,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2613% | 2,112 |
| Loan loss allowance to noncurrent loans | 313.4367% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.3414% | 3,043 |
| Noncurrent loans to loans | 0.4024% | 3,001 |
| Net loans and leases to total assets | 83.7598% | 342 |
| Net loans and leases to deposits | 91.0076% | 1,482 |
| Net loans and leases to core deposits | 97.9777% | 1,726 |
| Total domestic deposits to total assets | 92.0360% | 38 |
| Equity capital to assets | 7.5159% | 5,109 |
| Core capital (leverage) ratio | 7.5870% | 5,095 |
| Tier 1 risk-based capital ratio | 10.3034% | 5,073 |
| Total risk-based capital ratio | 11.5561% | 5,009 |
| Memoranda: | ||
| Average total assets | $107,450,400 | 3,875 |
| Average earning assets | $102,375,400 | 3,827 |
| Average equity | $8,089,000 | 4,497 |
| Average total loans | $94,034,400 | 3,320 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0352% | 1,453 |
| Cost of funding earning assets | 0.6629% | 3,383 |
| Net interest margin | 4.3723% | 1,006 |
| Noninterest income to average assets | 0.3863% | 3,399 |
| Noninterest expense to average assets | 3.1291% | 1,640 |
| Loan and lease loss provision to assets | 0.1044% | 1,845 |
| Net operating income to assets | 1.0279% | 2,871 |
| Return on assets (ROA) | 1.0279% | 2,946 |
| Pretax return on assets | 1.3186% | 2,606 |
| Return on Equity (ROE) | 13.6488% | 1,067 |
| Retained earnings to average equity (ytd only) | 11.3600% | 464 |
| Net charge-offs to loans | 0.2766% | 634 |
| Credit loss provision to net charge-offs | 42.7835% | 2,838 |
| Earnings coverage of net charge-offs (x) | 5.8299% | 2,881 |
| Efficiency ratio | 68.7396% | 2,299 |
| Assets per employee ($millions) | 3.6490% | 4,336 |
| Cash dividends to net income (ytd only)* | 16.7684% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 3,151 |
| Loan loss allowance to noncurrent loans | 307.6246% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.3115% | 3,297 |
| Noncurrent loans to loans | 0.3493% | 3,285 |
| Net loans and leases to total assets | 88.2097% | 85 |
| Net loans and leases to deposits | 96.0845% | 1,008 |
| Net loans and leases to core deposits | 103.7408% | 1,342 |
| Total domestic deposits to total assets | 91.8042% | 44 |
| Equity capital to assets | 7.6285% | 5,183 |
| Core capital (leverage) ratio | 7.6650% | 5,170 |
| Tier 1 risk-based capital ratio | 10.1109% | 5,174 |
| Total risk-based capital ratio | 11.3604% | 5,105 |
| Memoranda: | ||
| Average total assets | $105,969,750 | 3,941 |
| Average earning assets | $100,967,000 | 3,895 |
| Average equity | $7,981,000 | 4,560 |
| Average total loans | $93,499,500 | 3,367 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9668% | 1,571 |
| Cost of funding earning assets | 0.6569% | 3,371 |
| Net interest margin | 4.3099% | 1,122 |
| Noninterest income to average assets | 0.3683% | 3,478 |
| Noninterest expense to average assets | 3.2022% | 1,502 |
| Loan and lease loss provision to assets | 0.0802% | 2,230 |
| Net operating income to assets | 0.9294% | 3,170 |
| Return on assets (ROA) | 0.9294% | 3,232 |
| Pretax return on assets | 1.1927% | 2,926 |
| Return on Equity (ROE) | 12.3955% | 1,447 |
| Retained earnings to average equity (ytd only) | 9.9521% | 771 |
| Net charge-offs to loans | 0.0109% | 2,746 |
| Credit loss provision to net charge-offs | 840.0000% | 403 |
| Earnings coverage of net charge-offs (x) | 133.4000% | 549 |
| Efficiency ratio | 71.5565% | 1,979 |
| Assets per employee ($millions) | 3.5717% | 4,414 |
| Cash dividends to net income (ytd only)* | 19.7125% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 2,244 |
| Loan loss allowance to noncurrent loans | 254.6809% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.4386% | 2,763 |
| Noncurrent loans to loans | 0.4913% | 2,807 |
| Net loans and leases to total assets | 88.1700% | 107 |
| Net loans and leases to deposits | 95.8553% | 1,051 |
| Net loans and leases to core deposits | 101.4094% | 1,603 |
| Total domestic deposits to total assets | 91.9823% | 39 |
| Equity capital to assets | 7.5240% | 5,233 |
| Core capital (leverage) ratio | 7.5864% | 5,222 |
| Tier 1 risk-based capital ratio | 9.8315% | 5,248 |
| Total risk-based capital ratio | 11.0839% | 5,206 |
| Memoranda: | ||
| Average total assets | $104,802,670 | 3,986 |
| Average earning assets | $99,862,330 | 3,931 |
| Average equity | $7,857,670 | 4,603 |
| Average total loans | $92,128,330 | 3,409 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8779% | 1,662 |
| Cost of funding earning assets | 0.6569% | 3,279 |
| Net interest margin | 4.2210% | 1,260 |
| Noninterest income to average assets | 0.3281% | 3,662 |
| Noninterest expense to average assets | 3.1922% | 1,514 |
| Loan and lease loss provision to assets | 0.0811% | 2,079 |
| Net operating income to assets | 0.8376% | 3,492 |
| Return on assets (ROA) | 0.8376% | 3,532 |
| Pretax return on assets | 1.0731% | 3,228 |
| Return on Equity (ROE) | 11.1921% | 1,871 |
| Retained earnings to average equity (ytd only) | 8.7164% | 1,414 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4458% | 1,820 |
| Assets per employee ($millions) | 3.5001% | 4,563 |
| Cash dividends to net income (ytd only)* | 22.1198% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 2,137 |
| Loan loss allowance to noncurrent loans | 252.3504% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.4457% | 2,814 |
| Noncurrent loans to loans | 0.5110% | 2,784 |
| Net loans and leases to total assets | 86.0948% | 181 |
| Net loans and leases to deposits | 93.5365% | 1,224 |
| Net loans and leases to core deposits | 98.4160% | 1,748 |
| Total domestic deposits to total assets | 92.0441% | 61 |
| Equity capital to assets | 7.4664% | 5,273 |
| Core capital (leverage) ratio | 7.6023% | 5,274 |
| Tier 1 risk-based capital ratio | 9.8304% | 5,305 |
| Total risk-based capital ratio | 11.0830% | 5,272 |
| Memoranda: | ||
| Average total assets | $103,628,500 | 4,045 |
| Average earning assets | $98,649,000 | 3,990 |
| Average equity | $7,755,500 | 4,644 |
| Average total loans | $90,356,500 | 3,483 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8877% | 1,324 |
| Cost of funding earning assets | 0.5899% | 2,792 |
| Net interest margin | 4.2978% | 1,162 |
| Noninterest income to average assets | 0.3516% | 3,752 |
| Noninterest expense to average assets | 3.5850% | 889 |
| Loan and lease loss provision to assets | 0.0859% | 2,422 |
| Net operating income to assets | 0.5776% | 4,477 |
| Return on assets (ROA) | 0.5776% | 4,482 |
| Pretax return on assets | 0.7401% | 4,313 |
| Return on Equity (ROE) | 7.5949% | 3,618 |
| Retained earnings to average equity (ytd only) | 5.1753% | 2,677 |
| Net charge-offs to loans | 0.0011% | 3,737 |
| Credit loss provision to net charge-offs | 8,400.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 808.0000% | 131 |
| Efficiency ratio | 81.2746% | 864 |
| Assets per employee ($millions) | 3.4084% | 4,652 |
| Cash dividends to net income (ytd only)* | 31.8584% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 2,031 |
| Loan loss allowance to noncurrent loans | 408.4507% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.2777% | 3,471 |
| Noncurrent loans to loans | 0.3186% | 3,410 |
| Net loans and leases to total assets | 86.0307% | 233 |
| Net loans and leases to deposits | 93.3804% | 1,350 |
| Net loans and leases to core deposits | 98.0855% | 1,859 |
| Total domestic deposits to total assets | 92.1293% | 61 |
| Equity capital to assets | 7.5020% | 5,281 |
| Core capital (leverage) ratio | 7.5664% | 5,317 |
| Tier 1 risk-based capital ratio | 10.0868% | 5,284 |
| Total risk-based capital ratio | 11.3399% | 5,237 |
| Memoranda: | ||
| Average total assets | $97,825,600 | 4,133 |
| Average earning assets | $92,396,000 | 4,092 |
| Average equity | $7,439,200 | 4,686 |
| Average total loans | $87,775,200 | 3,518 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8523% | 1,296 |
| Cost of funding earning assets | 0.5642% | 2,746 |
| Net interest margin | 4.2882% | 1,139 |
| Noninterest income to average assets | 0.2881% | 4,230 |
| Noninterest expense to average assets | 3.6104% | 845 |
| Loan and lease loss provision to assets | 0.0868% | 2,237 |
| Net operating income to assets | 0.4949% | 4,771 |
| Return on assets (ROA) | 0.4949% | 4,776 |
| Pretax return on assets | 0.6355% | 4,669 |
| Return on Equity (ROE) | 6.4847% | 4,110 |
| Retained earnings to average equity (ytd only) | 4.0462% | 3,747 |
| Net charge-offs to loans | 0.0015% | 3,447 |
| Credit loss provision to net charge-offs | 6,300.0000% | 64 |
| Earnings coverage of net charge-offs (x) | 525.3008% | 171 |
| Efficiency ratio | 83.3280% | 679 |
| Assets per employee ($millions) | 3.3037% | 4,769 |
| Cash dividends to net income (ytd only)* | 37.6058% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 2,331 |
| Loan loss allowance to noncurrent loans | 249.7807% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.4601% | 2,848 |
| Noncurrent loans to loans | 0.5031% | 2,878 |
| Net loans and leases to total assets | 90.2987% | 63 |
| Net loans and leases to deposits | 98.1692% | 937 |
| Net loans and leases to core deposits | 103.2654% | 1,508 |
| Total domestic deposits to total assets | 91.9826% | 84 |
| Equity capital to assets | 7.5795% | 5,294 |
| Core capital (leverage) ratio | 7.6693% | 5,374 |
| Tier 1 risk-based capital ratio | 9.7776% | 5,415 |
| Total risk-based capital ratio | 11.0310% | 5,381 |
| Memoranda: | ||
| Average total assets | $96,718,750 | 4,198 |
| Average earning assets | $91,225,250 | 4,163 |
| Average equity | $7,381,250 | 4,740 |
| Average total loans | $87,436,750 | 3,557 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7910% | 1,274 |
| Cost of funding earning assets | 0.5380% | 2,707 |
| Net interest margin | 4.2530% | 1,155 |
| Noninterest income to average assets | 0.2961% | 4,200 |
| Noninterest expense to average assets | 3.6613% | 811 |
| Loan and lease loss provision to assets | 0.0876% | 2,167 |
| Net operating income to assets | 0.4316% | 4,900 |
| Return on assets (ROA) | 0.4316% | 4,907 |
| Pretax return on assets | 0.5525% | 4,811 |
| Return on Equity (ROE) | 5.6421% | 4,366 |
| Retained earnings to average equity (ytd only) | 3.1890% | 3,973 |
| Net charge-offs to loans | 0.0023% | 3,121 |
| Credit loss provision to net charge-offs | 4,200.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 307.0000% | 299 |
| Efficiency ratio | 85.1188% | 621 |
| Assets per employee ($millions) | 3.1548% | 4,978 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 2,324 |
| Loan loss allowance to noncurrent loans | 263.0588% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.4491% | 2,925 |
| Noncurrent loans to loans | 0.4827% | 2,990 |
| Net loans and leases to total assets | 91.8568% | 32 |
| Net loans and leases to deposits | 100.0426% | 802 |
| Net loans and leases to core deposits | 102.2343% | 1,547 |
| Total domestic deposits to total assets | 91.8177% | 105 |
| Equity capital to assets | 7.8220% | 5,291 |
| Core capital (leverage) ratio | 7.8028% | 5,398 |
| Tier 1 risk-based capital ratio | 9.8474% | 5,455 |
| Total risk-based capital ratio | 11.1005% | 5,407 |
| Memoranda: | ||
| Average total assets | $95,921,670 | 4,249 |
| Average earning assets | $90,336,000 | 4,219 |
| Average equity | $7,337,670 | 4,794 |
| Average total loans | $86,371,000 | 3,597 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6580% | 1,413 |
| Cost of funding earning assets | 0.5185% | 2,650 |
| Net interest margin | 4.1395% | 1,338 |
| Noninterest income to average assets | 0.3107% | 4,082 |
| Noninterest expense to average assets | 3.6951% | 762 |
| Loan and lease loss provision to assets | 0.0870% | 2,061 |
| Net operating income to assets | 0.3397% | 5,029 |
| Return on assets (ROA) | 0.3397% | 5,033 |
| Pretax return on assets | 0.4308% | 4,985 |
| Return on Equity (ROE) | 4.4901% | 4,637 |
| Retained earnings to average equity (ytd only) | 2.0260% | 4,341 |
| Net charge-offs to loans | 0.0047% | 2,565 |
| Credit loss provision to net charge-offs | 2,100.0000% | 176 |
| Earnings coverage of net charge-offs (x) | 125.0000% | 512 |
| Efficiency ratio | 87.7089% | 550 |
| Assets per employee ($millions) | 3.1750% | 5,025 |
| Cash dividends to net income (ytd only)* | 54.8780% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2780% | 2,348 |
| Loan loss allowance to noncurrent loans | 339.6285% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.3391% | 3,489 |
| Noncurrent loans to loans | 0.3763% | 3,436 |
| Net loans and leases to total assets | 88.9637% | 95 |
| Net loans and leases to deposits | 96.8877% | 945 |
| Net loans and leases to core deposits | 98.9779% | 1,767 |
| Total domestic deposits to total assets | 91.8214% | 131 |
| Equity capital to assets | 7.6883% | 5,369 |
| Core capital (leverage) ratio | 7.7284% | 5,463 |
| Tier 1 risk-based capital ratio | 10.0999% | 5,475 |
| Total risk-based capital ratio | 11.3535% | 5,405 |
| Memoranda: | ||
| Average total assets | $96,561,000 | 4,276 |
| Average earning assets | $91,026,500 | 4,250 |
| Average equity | $7,305,000 | 4,848 |
| Average total loans | $85,529,500 | 3,640 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8137% | 955 |
| Cost of funding earning assets | 0.5433% | 2,001 |
| Net interest margin | 4.2704% | 1,035 |
| Noninterest income to average assets | 0.3181% | 4,185 |
| Noninterest expense to average assets | 3.2585% | 1,467 |
| Loan and lease loss provision to assets | 0.0888% | 2,414 |
| Net operating income to assets | 0.5855% | 4,077 |
| Return on assets (ROA) | 0.5855% | 4,113 |
| Pretax return on assets | 0.9999% | 3,571 |
| Return on Equity (ROE) | 7.7901% | 2,890 |
| Retained earnings to average equity (ytd only) | 5.2590% | 1,963 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9575% | 1,771 |
| Assets per employee ($millions) | 3.3749% | 4,853 |
| Cash dividends to net income (ytd only)* | 32.4910% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 2,406 |
| Loan loss allowance to noncurrent loans | 335.5140% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.3280% | 3,562 |
| Noncurrent loans to loans | 0.3767% | 3,408 |
| Net loans and leases to total assets | 85.9767% | 256 |
| Net loans and leases to deposits | 93.2853% | 1,358 |
| Net loans and leases to core deposits | 95.2127% | 2,093 |
| Total domestic deposits to total assets | 92.1654% | 69 |
| Equity capital to assets | 7.4454% | 5,547 |
| Core capital (leverage) ratio | 7.5002% | 5,563 |
| Tier 1 risk-based capital ratio | 10.1231% | 5,501 |
| Total risk-based capital ratio | 11.3763% | 5,435 |
| Memoranda: | ||
| Average total assets | $94,613,800 | 4,334 |
| Average earning assets | $89,265,400 | 4,304 |
| Average equity | $7,111,600 | 4,922 |
| Average total loans | $85,067,800 | 3,633 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8550% | 828 |
| Cost of funding earning assets | 0.5483% | 1,907 |
| Net interest margin | 4.3066% | 909 |
| Noninterest income to average assets | 0.3241% | 4,220 |
| Noninterest expense to average assets | 3.2949% | 1,364 |
| Loan and lease loss provision to assets | 0.0896% | 2,286 |
| Net operating income to assets | 0.6524% | 4,179 |
| Return on assets (ROA) | 0.6524% | 4,232 |
| Pretax return on assets | 1.0035% | 3,675 |
| Return on Equity (ROE) | 8.6588% | 2,781 |
| Retained earnings to average equity (ytd only) | 6.1121% | 2,165 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0891% | 1,726 |
| Assets per employee ($millions) | 3.2492% | 5,012 |
| Cash dividends to net income (ytd only)* | 29.4127% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 2,811 |
| Loan loss allowance to noncurrent loans | 277.1654% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.4043% | 3,415 |
| Noncurrent loans to loans | 0.4400% | 3,390 |
| Net loans and leases to total assets | 90.7702% | 57 |
| Net loans and leases to deposits | 98.8443% | 838 |
| Net loans and leases to core deposits | 101.3497% | 1,597 |
| Total domestic deposits to total assets | 91.8314% | 71 |
| Equity capital to assets | 7.6804% | 5,596 |
| Core capital (leverage) ratio | 7.6672% | 5,600 |
| Tier 1 risk-based capital ratio | 9.7165% | 5,647 |
| Total risk-based capital ratio | 10.9680% | 5,622 |
| Memoranda: | ||
| Average total assets | $93,799,000 | 4,388 |
| Average earning assets | $88,512,250 | 4,363 |
| Average equity | $7,067,750 | 4,983 |
| Average total loans | $85,028,500 | 3,659 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8162% | 837 |
| Cost of funding earning assets | 0.5437% | 1,813 |
| Net interest margin | 4.2725% | 932 |
| Noninterest income to average assets | 0.2797% | 4,553 |
| Noninterest expense to average assets | 3.2758% | 1,420 |
| Loan and lease loss provision to assets | 0.0897% | 2,190 |
| Net operating income to assets | 0.6214% | 4,208 |
| Return on assets (ROA) | 0.6214% | 4,254 |
| Pretax return on assets | 0.9588% | 3,731 |
| Return on Equity (ROE) | 8.3009% | 2,872 |
| Retained earnings to average equity (ytd only) | 5.7336% | 2,272 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7531% | 1,759 |
| Assets per employee ($millions) | 3.3447% | 4,930 |
| Cash dividends to net income (ytd only)* | 30.9278% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 3,032 |
| Loan loss allowance to noncurrent loans | 288.3008% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.3833% | 3,573 |
| Noncurrent loans to loans | 0.4153% | 3,531 |
| Net loans and leases to total assets | 91.1951% | 52 |
| Net loans and leases to deposits | 99.1675% | 800 |
| Net loans and leases to core deposits | 101.9189% | 1,514 |
| Total domestic deposits to total assets | 91.9607% | 78 |
| Equity capital to assets | 7.5962% | 5,639 |
| Core capital (leverage) ratio | 7.5947% | 5,636 |
| Tier 1 risk-based capital ratio | 9.6470% | 5,690 |
| Total risk-based capital ratio | 10.8988% | 5,665 |
| Memoranda: | ||
| Average total assets | $93,656,330 | 4,422 |
| Average earning assets | $88,659,000 | 4,384 |
| Average equity | $7,011,330 | 5,020 |
| Average total loans | $84,509,330 | 3,687 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7788% | 786 |
| Cost of funding earning assets | 0.5360% | 1,816 |
| Net interest margin | 4.2428% | 898 |
| Noninterest income to average assets | 0.2648% | 4,647 |
| Noninterest expense to average assets | 3.2843% | 1,417 |
| Loan and lease loss provision to assets | 0.0897% | 2,048 |
| Net operating income to assets | 0.5936% | 4,191 |
| Return on assets (ROA) | 0.5936% | 4,238 |
| Pretax return on assets | 0.9140% | 3,713 |
| Return on Equity (ROE) | 7.9885% | 2,924 |
| Retained earnings to average equity (ytd only) | 5.4023% | 2,665 |
| Net charge-offs to loans | 0.0048% | 2,812 |
| Credit loss provision to net charge-offs | 2,100.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 235.0000% | 244 |
| Efficiency ratio | 76.5936% | 1,820 |
| Assets per employee ($millions) | 3.3352% | 5,010 |
| Cash dividends to net income (ytd only)* | 32.3741% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1953% | 3,163 |
| Loan loss allowance to noncurrent loans | 177.4081% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.6114% | 2,804 |
| Noncurrent loans to loans | 0.6737% | 2,830 |
| Net loans and leases to total assets | 89.6707% | 67 |
| Net loans and leases to deposits | 97.4162% | 819 |
| Net loans and leases to core deposits | 99.8081% | 1,515 |
| Total domestic deposits to total assets | 92.0490% | 99 |
| Equity capital to assets | 7.5033% | 5,685 |
| Core capital (leverage) ratio | 7.5971% | 5,682 |
| Tier 1 risk-based capital ratio | 9.8170% | 5,731 |
| Total risk-based capital ratio | 11.0697% | 5,711 |
| Memoranda: | ||
| Average total assets | $93,658,500 | 4,467 |
| Average earning assets | $88,809,000 | 4,423 |
| Average equity | $6,960,000 | 5,072 |
| Average total loans | $83,543,500 | 3,730 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5237% | 1,467 |
| Cost of funding earning assets | 0.5284% | 1,881 |
| Net interest margin | 3.9953% | 1,642 |
| Noninterest income to average assets | 0.3370% | 4,328 |
| Noninterest expense to average assets | 3.4562% | 1,239 |
| Loan and lease loss provision to assets | 0.1106% | 2,222 |
| Net operating income to assets | 0.3678% | 5,037 |
| Return on assets (ROA) | 0.3678% | 5,120 |
| Pretax return on assets | 0.5645% | 4,886 |
| Return on Equity (ROE) | 5.0718% | 4,402 |
| Retained earnings to average equity (ytd only) | 1.9936% | 4,410 |
| Net charge-offs to loans | 0.0299% | 3,421 |
| Credit loss provision to net charge-offs | 416.0000% | 771 |
| Earnings coverage of net charge-offs (x) | 25.4000% | 1,590 |
| Efficiency ratio | 83.6593% | 1,041 |
| Assets per employee ($millions) | 3.3547% | 4,969 |
| Cash dividends to net income (ytd only)* | 60.6936% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 3,088 |
| Loan loss allowance to noncurrent loans | 67.9671% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 1.5554% | 1,046 |
| Noncurrent loans to loans | 1.7745% | 1,072 |
| Net loans and leases to total assets | 86.5967% | 201 |
| Net loans and leases to deposits | 93.8569% | 1,211 |
| Net loans and leases to core deposits | 96.1205% | 1,915 |
| Total domestic deposits to total assets | 92.2646% | 85 |
| Equity capital to assets | 7.3596% | 5,746 |
| Core capital (leverage) ratio | 7.3818% | 5,768 |
| Tier 1 risk-based capital ratio | 9.8737% | 5,766 |
| Total risk-based capital ratio | 11.1251% | 5,735 |
| Memoranda: | ||
| Average total assets | $94,063,000 | 4,465 |
| Average earning assets | $89,329,200 | 4,406 |
| Average equity | $6,822,000 | 5,129 |
| Average total loans | $83,595,800 | 3,723 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5347% | 1,439 |
| Cost of funding earning assets | 0.5237% | 1,912 |
| Net interest margin | 4.0109% | 1,618 |
| Noninterest income to average assets | 0.3528% | 4,263 |
| Noninterest expense to average assets | 3.5098% | 1,135 |
| Loan and lease loss provision to assets | 0.1091% | 2,105 |
| Net operating income to assets | 0.3528% | 5,159 |
| Return on assets (ROA) | 0.3528% | 5,238 |
| Pretax return on assets | 0.5427% | 5,027 |
| Return on Equity (ROE) | 4.8827% | 4,563 |
| Retained earnings to average equity (ytd only) | 1.7452% | 4,806 |
| Net charge-offs to loans | 0.0350% | 2,933 |
| Credit loss provision to net charge-offs | 350.0000% | 926 |
| Earnings coverage of net charge-offs (x) | 20.9110% | 1,844 |
| Efficiency ratio | 84.3378% | 968 |
| Assets per employee ($millions) | 3.2020% | 5,178 |
| Cash dividends to net income (ytd only)* | 64.2580% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1391% | 3,623 |
| Loan loss allowance to noncurrent loans | 66.4154% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 1.5712% | 1,116 |
| Noncurrent loans to loans | 1.7151% | 1,218 |
| Net loans and leases to total assets | 90.5674% | 58 |
| Net loans and leases to deposits | 98.2879% | 832 |
| Net loans and leases to core deposits | 100.6378% | 1,575 |
| Total domestic deposits to total assets | 92.1451% | 63 |
| Equity capital to assets | 7.3940% | 5,854 |
| Core capital (leverage) ratio | 7.3701% | 5,845 |
| Tier 1 risk-based capital ratio | 9.3921% | 5,892 |
| Total risk-based capital ratio | 10.6426% | 5,885 |
| Memoranda: | ||
| Average total assets | $94,095,750 | 4,500 |
| Average earning assets | $89,353,750 | 4,443 |
| Average equity | $6,799,250 | 5,178 |
| Average total loans | $83,911,000 | 3,733 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5025% | 1,501 |
| Cost of funding earning assets | 0.5169% | 1,961 |
| Net interest margin | 3.9857% | 1,685 |
| Noninterest income to average assets | 0.3598% | 4,193 |
| Noninterest expense to average assets | 3.5637% | 1,064 |
| Loan and lease loss provision to assets | 0.1058% | 2,094 |
| Net operating income to assets | 0.3090% | 5,298 |
| Return on assets (ROA) | 0.3090% | 5,388 |
| Pretax return on assets | 0.4762% | 5,184 |
| Return on Equity (ROE) | 4.3087% | 4,802 |
| Retained earnings to average equity (ytd only) | 0.7378% | 5,080 |
| Net charge-offs to loans | 0.0407% | 2,646 |
| Credit loss provision to net charge-offs | 294.1176% | 978 |
| Earnings coverage of net charge-offs (x) | 16.1765% | 1,944 |
| Efficiency ratio | 85.9622% | 887 |
| Assets per employee ($millions) | 3.2793% | 5,101 |
| Cash dividends to net income (ytd only)* | 82.8767% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 3,847 |
| Loan loss allowance to noncurrent loans | 64.6858% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 1.5944% | 1,164 |
| Noncurrent loans to loans | 1.7295% | 1,219 |
| Net loans and leases to total assets | 91.1600% | 34 |
| Net loans and leases to deposits | 99.0146% | 783 |
| Net loans and leases to core deposits | 100.8543% | 1,568 |
| Total domestic deposits to total assets | 92.0672% | 79 |
| Equity capital to assets | 7.4090% | 5,930 |
| Core capital (leverage) ratio | 7.3036% | 5,912 |
| Tier 1 risk-based capital ratio | 9.3944% | 5,967 |
| Total risk-based capital ratio | 10.6445% | 5,952 |
| Memoranda: | ||
| Average total assets | $94,508,000 | 4,529 |
| Average earning assets | $89,772,000 | 4,465 |
| Average equity | $6,777,000 | 5,229 |
| Average total loans | $83,525,000 | 3,766 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4251% | 1,727 |
| Cost of funding earning assets | 0.5121% | 2,007 |
| Net interest margin | 3.9130% | 1,897 |
| Noninterest income to average assets | 0.2921% | 4,632 |
| Noninterest expense to average assets | 3.5722% | 1,064 |
| Loan and lease loss provision to assets | 0.0960% | 2,090 |
| Net operating income to assets | 0.2295% | 5,479 |
| Return on assets (ROA) | 0.2295% | 5,538 |
| Pretax return on assets | 0.3547% | 5,391 |
| Return on Equity (ROE) | 3.2525% | 5,141 |
| Retained earnings to average equity (ytd only) | -1.6558% | 5,352 |
| Net charge-offs to loans | 0.0048% | 2,954 |
| Credit loss provision to net charge-offs | 2,300.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 513 |
| Efficiency ratio | 88.7967% | 759 |
| Assets per employee ($millions) | 3.3842% | 4,999 |
| Cash dividends to net income (ytd only)* | 150.9091% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 3,867 |
| Loan loss allowance to noncurrent loans | 71.4504% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 1.3825% | 1,511 |
| Noncurrent loans to loans | 1.5868% | 1,465 |
| Net loans and leases to total assets | 86.1373% | 212 |
| Net loans and leases to deposits | 93.2279% | 1,211 |
| Net loans and leases to core deposits | 94.6156% | 1,931 |
| Total domestic deposits to total assets | 92.3943% | 72 |
| Equity capital to assets | 7.1234% | 5,997 |
| Core capital (leverage) ratio | 7.0441% | 5,997 |
| Tier 1 risk-based capital ratio | 9.6532% | 5,979 |
| Total risk-based capital ratio | 10.9050% | 5,954 |
| Memoranda: | ||
| Average total assets | $95,851,500 | 4,537 |
| Average earning assets | $91,387,500 | 4,472 |
| Average equity | $6,764,000 | 5,273 |
| Average total loans | $82,962,000 | 3,783 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6426% | 1,233 |
| Cost of funding earning assets | 0.5928% | 1,413 |
| Net interest margin | 4.0498% | 1,561 |
| Noninterest income to average assets | 0.3054% | 4,699 |
| Noninterest expense to average assets | 3.4462% | 1,398 |
| Loan and lease loss provision to assets | 0.0907% | 2,489 |
| Net operating income to assets | 0.3961% | 5,066 |
| Return on assets (ROA) | 0.3961% | 5,142 |
| Pretax return on assets | 0.6098% | 4,805 |
| Return on Equity (ROE) | 5.5299% | 4,267 |
| Retained earnings to average equity (ytd only) | 3.4506% | 3,600 |
| Net charge-offs to loans | 0.0535% | 3,133 |
| Credit loss provision to net charge-offs | 190.9091% | 1,449 |
| Earnings coverage of net charge-offs (x) | 14.7500% | 2,267 |
| Efficiency ratio | 83.1078% | 1,263 |
| Assets per employee ($millions) | 3.4623% | 4,889 |
| Cash dividends to net income (ytd only)* | 37.6022% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 4,072 |
| Loan loss allowance to noncurrent loans | 196.1373% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.4807% | 3,703 |
| Noncurrent loans to loans | 0.5590% | 3,493 |
| Net loans and leases to total assets | 85.0503% | 307 |
| Net loans and leases to deposits | 91.9751% | 1,403 |
| Net loans and leases to core deposits | 93.3116% | 2,107 |
| Total domestic deposits to total assets | 92.4710% | 73 |
| Equity capital to assets | 6.9916% | 6,061 |
| Core capital (leverage) ratio | 7.0779% | 6,037 |
| Tier 1 risk-based capital ratio | 9.8727% | 5,978 |
| Total risk-based capital ratio | 11.1242% | 5,944 |
| Memoranda: | ||
| Average total assets | $92,653,200 | 4,613 |
| Average earning assets | $87,881,600 | 4,541 |
| Average equity | $6,636,600 | 5,316 |
| Average total loans | $82,177,600 | 3,766 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6924% | 1,110 |
| Cost of funding earning assets | 0.6113% | 1,336 |
| Net interest margin | 4.0811% | 1,454 |
| Noninterest income to average assets | 0.3086% | 4,730 |
| Noninterest expense to average assets | 3.5116% | 1,263 |
| Loan and lease loss provision to assets | 0.0917% | 2,335 |
| Net operating income to assets | 0.3727% | 5,254 |
| Return on assets (ROA) | 0.3727% | 5,334 |
| Pretax return on assets | 0.5736% | 5,037 |
| Return on Equity (ROE) | 5.1705% | 4,543 |
| Retained earnings to average equity (ytd only) | 2.3833% | 4,685 |
| Net charge-offs to loans | 0.0033% | 4,072 |
| Credit loss provision to net charge-offs | 3,150.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 228.2097% | 316 |
| Efficiency ratio | 84.0711% | 1,163 |
| Assets per employee ($millions) | 3.3662% | 5,034 |
| Cash dividends to net income (ytd only)* | 53.9084% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1430% | 3,980 |
| Loan loss allowance to noncurrent loans | 115.5748% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 0.8583% | 2,734 |
| Noncurrent loans to loans | 0.9890% | 2,517 |
| Net loans and leases to total assets | 85.7948% | 243 |
| Net loans and leases to deposits | 92.9258% | 1,314 |
| Net loans and leases to core deposits | 94.7974% | 2,000 |
| Total domestic deposits to total assets | 92.3261% | 77 |
| Equity capital to assets | 7.0745% | 6,145 |
| Core capital (leverage) ratio | 7.0417% | 6,124 |
| Tier 1 risk-based capital ratio | 9.6392% | 6,117 |
| Total risk-based capital ratio | 10.8902% | 6,090 |
| Memoranda: | ||
| Average total assets | $91,580,250 | 4,689 |
| Average earning assets | $86,804,500 | 4,612 |
| Average equity | $6,601,250 | 5,387 |
| Average total loans | $81,880,500 | 3,807 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6902% | 1,088 |
| Cost of funding earning assets | 0.6238% | 1,267 |
| Net interest margin | 4.0664% | 1,458 |
| Noninterest income to average assets | 0.3021% | 4,794 |
| Noninterest expense to average assets | 3.5219% | 1,264 |
| Loan and lease loss provision to assets | 0.0926% | 2,272 |
| Net operating income to assets | 0.3506% | 5,296 |
| Return on assets (ROA) | 0.3506% | 5,406 |
| Pretax return on assets | 0.5403% | 5,118 |
| Return on Equity (ROE) | 4.8336% | 4,690 |
| Retained earnings to average equity (ytd only) | 3.0096% | 4,124 |
| Net charge-offs to loans | 0.0049% | 3,730 |
| Credit loss provision to net charge-offs | 2,100.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 143.5000% | 441 |
| Efficiency ratio | 84.7665% | 1,179 |
| Assets per employee ($millions) | 3.4535% | 4,884 |
| Cash dividends to net income (ytd only)* | 37.7358% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0731% | 4,470 |
| Loan loss allowance to noncurrent loans | 149.5908% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.6553% | 3,442 |
| Noncurrent loans to loans | 0.7173% | 3,338 |
| Net loans and leases to total assets | 90.3652% | 56 |
| Net loans and leases to deposits | 98.0178% | 789 |
| Net loans and leases to core deposits | 100.3956% | 1,462 |
| Total domestic deposits to total assets | 92.1926% | 107 |
| Equity capital to assets | 7.1307% | 6,176 |
| Core capital (leverage) ratio | 7.2172% | 6,149 |
| Tier 1 risk-based capital ratio | 9.2934% | 6,226 |
| Total risk-based capital ratio | 10.5435% | 6,208 |
| Memoranda: | ||
| Average total assets | $90,689,000 | 4,747 |
| Average earning assets | $85,924,670 | 4,682 |
| Average equity | $6,579,000 | 5,438 |
| Average total loans | $81,907,330 | 3,828 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6281% | 1,167 |
| Cost of funding earning assets | 0.6247% | 1,272 |
| Net interest margin | 4.0035% | 1,540 |
| Noninterest income to average assets | 0.2774% | 4,953 |
| Noninterest expense to average assets | 3.6416% | 1,078 |
| Loan and lease loss provision to assets | 0.0939% | 2,120 |
| Net operating income to assets | 0.2147% | 5,649 |
| Return on assets (ROA) | 0.2147% | 5,739 |
| Pretax return on assets | 0.3266% | 5,583 |
| Return on Equity (ROE) | 2.9340% | 5,405 |
| Retained earnings to average equity (ytd only) | -0.7335% | 5,505 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6476% | 875 |
| Assets per employee ($millions) | 3.3350% | 5,186 |
| Cash dividends to net income (ytd only)* | 125.0000% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 4,433 |
| Loan loss allowance to noncurrent loans | 151.1824% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.6574% | 3,524 |
| Noncurrent loans to loans | 0.7384% | 3,416 |
| Net loans and leases to total assets | 88.0439% | 105 |
| Net loans and leases to deposits | 95.4583% | 870 |
| Net loans and leases to core deposits | 97.8524% | 1,487 |
| Total domestic deposits to total assets | 92.2329% | 127 |
| Equity capital to assets | 7.2607% | 6,229 |
| Core capital (leverage) ratio | 7.3802% | 6,178 |
| Tier 1 risk-based capital ratio | 9.7725% | 6,224 |
| Total risk-based capital ratio | 11.0227% | 6,186 |
| Memoranda: | ||
| Average total assets | $89,411,000 | 4,822 |
| Average earning assets | $84,526,500 | 4,758 |
| Average equity | $6,544,000 | 5,492 |
| Average total loans | $80,273,500 | 3,880 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8789% | 956 |
| Cost of funding earning assets | 0.6779% | 1,216 |
| Net interest margin | 4.2011% | 1,295 |
| Noninterest income to average assets | 0.3085% | 4,911 |
| Noninterest expense to average assets | 3.6602% | 1,209 |
| Loan and lease loss provision to assets | 0.1188% | 2,192 |
| Net operating income to assets | 0.3074% | 5,499 |
| Return on assets (ROA) | 0.3074% | 5,573 |
| Pretax return on assets | 0.4742% | 5,313 |
| Return on Equity (ROE) | 4.1606% | 5,046 |
| Retained earnings to average equity (ytd only) | 1.9334% | 4,834 |
| Net charge-offs to loans | 0.0824% | 3,325 |
| Credit loss provision to net charge-offs | 160.0000% | 1,508 |
| Earnings coverage of net charge-offs (x) | 7.9846% | 2,940 |
| Efficiency ratio | 86.0559% | 1,165 |
| Assets per employee ($millions) | 3.2880% | 5,276 |
| Cash dividends to net income (ytd only)* | 53.5316% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0874% | 4,603 |
| Loan loss allowance to noncurrent loans | 202.3148% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.4866% | 4,181 |
| Noncurrent loans to loans | 0.5375% | 4,047 |
| Net loans and leases to total assets | 89.5490% | 73 |
| Net loans and leases to deposits | 97.1823% | 818 |
| Net loans and leases to core deposits | 99.6565% | 1,417 |
| Total domestic deposits to total assets | 92.1454% | 132 |
| Equity capital to assets | 7.3781% | 6,262 |
| Core capital (leverage) ratio | 7.5331% | 6,192 |
| Tier 1 risk-based capital ratio | 10.0618% | 6,245 |
| Total risk-based capital ratio | 11.3128% | 6,189 |
| Memoranda: | ||
| Average total assets | $87,509,800 | 4,898 |
| Average earning assets | $82,169,400 | 4,851 |
| Average equity | $6,465,400 | 5,534 |
| Average total loans | $78,921,200 | 3,903 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9048% | 921 |
| Cost of funding earning assets | 0.6891% | 1,205 |
| Net interest margin | 4.2157% | 1,238 |
| Noninterest income to average assets | 0.3012% | 5,039 |
| Noninterest expense to average assets | 3.6913% | 1,135 |
| Loan and lease loss provision to assets | 0.0963% | 2,437 |
| Net operating income to assets | 0.3058% | 5,560 |
| Return on assets (ROA) | 0.3058% | 5,637 |
| Pretax return on assets | 0.4710% | 5,405 |
| Return on Equity (ROE) | 4.1380% | 5,118 |
| Retained earnings to average equity (ytd only) | 1.1586% | 5,425 |
| Net charge-offs to loans | 0.1103% | 2,697 |
| Credit loss provision to net charge-offs | 96.9231% | 2,305 |
| Earnings coverage of net charge-offs (x) | 5.7079% | 3,210 |
| Efficiency ratio | 86.6786% | 1,123 |
| Assets per employee ($millions) | 3.2410% | 5,350 |
| Cash dividends to net income (ytd only)* | 72.0018% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 4,977 |
| Loan loss allowance to noncurrent loans | 124.1431% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.7668% | 3,518 |
| Noncurrent loans to loans | 0.8483% | 3,449 |
| Net loans and leases to total assets | 89.4421% | 69 |
| Net loans and leases to deposits | 99.6144% | 633 |
| Net loans and leases to core deposits | 102.2269% | 1,203 |
| Total domestic deposits to total assets | 89.7884% | 828 |
| Equity capital to assets | 7.4062% | 6,324 |
| Core capital (leverage) ratio | 7.4845% | 6,289 |
| Tier 1 risk-based capital ratio | 10.0212% | 6,341 |
| Total risk-based capital ratio | 11.2711% | 6,305 |
| Memoranda: | ||
| Average total assets | $87,193,250 | 4,957 |
| Average earning assets | $81,850,000 | 4,907 |
| Average equity | $6,444,250 | 5,595 |
| Average total loans | $78,558,500 | 3,943 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8792% | 945 |
| Cost of funding earning assets | 0.6851% | 1,270 |
| Net interest margin | 4.1940% | 1,264 |
| Noninterest income to average assets | 0.2526% | 5,387 |
| Noninterest expense to average assets | 3.6951% | 1,147 |
| Loan and lease loss provision to assets | 0.0965% | 2,417 |
| Net operating income to assets | 0.2572% | 5,694 |
| Return on assets (ROA) | 0.2572% | 5,771 |
| Pretax return on assets | 0.3973% | 5,571 |
| Return on Equity (ROE) | 3.4826% | 5,356 |
| Retained earnings to average equity (ytd only) | 1.1194% | 5,308 |
| Net charge-offs to loans | 0.1659% | 2,063 |
| Credit loss provision to net charge-offs | 64.6154% | 2,562 |
| Earnings coverage of net charge-offs (x) | 3.3077% | 3,345 |
| Efficiency ratio | 88.2127% | 1,066 |
| Assets per employee ($millions) | 3.3481% | 5,155 |
| Cash dividends to net income (ytd only)* | 67.8571% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 5,336 |
| Loan loss allowance to noncurrent loans | 100.3708% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.0546% | 2,960 |
| Noncurrent loans to loans | 0.9987% | 3,238 |
| Net loans and leases to total assets | 92.1265% | 22 |
| Net loans and leases to deposits | 102.9354% | 400 |
| Net loans and leases to core deposits | 105.2426% | 945 |
| Total domestic deposits to total assets | 89.4993% | 1,092 |
| Equity capital to assets | 7.4232% | 6,365 |
| Core capital (leverage) ratio | 7.5610% | 6,294 |
| Tier 1 risk-based capital ratio | 9.8225% | 6,444 |
| Total risk-based capital ratio | 11.0575% | 6,418 |
| Memoranda: | ||
| Average total assets | $87,088,330 | 4,997 |
| Average earning assets | $81,735,000 | 4,942 |
| Average equity | $6,432,000 | 5,624 |
| Average total loans | $78,377,330 | 3,962 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9202% | 838 |
| Cost of funding earning assets | 0.6876% | 1,326 |
| Net interest margin | 4.2327% | 1,134 |
| Noninterest income to average assets | 0.2388% | 5,448 |
| Noninterest expense to average assets | 3.7104% | 1,118 |
| Loan and lease loss provision to assets | 0.0964% | 2,319 |
| Net operating income to assets | 0.2709% | 5,593 |
| Return on assets (ROA) | 0.2709% | 5,639 |
| Pretax return on assets | 0.4179% | 5,397 |
| Return on Equity (ROE) | 3.6777% | 5,183 |
| Retained earnings to average equity (ytd only) | -1.0597% | 5,738 |
| Net charge-offs to loans | 0.3374% | 1,062 |
| Credit loss provision to net charge-offs | 32.3077% | 2,378 |
| Earnings coverage of net charge-offs (x) | 1.7231% | 3,030 |
| Efficiency ratio | 87.8261% | 1,243 |
| Assets per employee ($millions) | 3.2494% | 5,449 |
| Cash dividends to net income (ytd only)* | 128.8136% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 5,409 |
| Loan loss allowance to noncurrent loans | 116.6913% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.9304% | 3,400 |
| Noncurrent loans to loans | 0.8812% | 3,681 |
| Net loans and leases to total assets | 90.0040% | 47 |
| Net loans and leases to deposits | 97.9064% | 547 |
| Net loans and leases to core deposits | 100.7700% | 1,049 |
| Total domestic deposits to total assets | 91.9286% | 261 |
| Equity capital to assets | 7.5861% | 6,286 |
| Core capital (leverage) ratio | 7.4689% | 6,347 |
| Tier 1 risk-based capital ratio | 10.4084% | 6,359 |
| Total risk-based capital ratio | 11.6580% | 6,321 |
| Memoranda: | ||
| Average total assets | $87,107,000 | 5,042 |
| Average earning assets | $82,028,500 | 4,975 |
| Average equity | $6,417,000 | 5,660 |
| Average total loans | $77,061,500 | 4,028 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7943% | 1,329 |
| Cost of funding earning assets | 0.7913% | 1,260 |
| Net interest margin | 4.0030% | 1,937 |
| Noninterest income to average assets | 0.2817% | 5,345 |
| Noninterest expense to average assets | 3.5009% | 1,645 |
| Loan and lease loss provision to assets | 0.0970% | 3,185 |
| Net operating income to assets | 0.3187% | 5,460 |
| Return on assets (ROA) | 0.3187% | 5,556 |
| Pretax return on assets | 0.4630% | 5,314 |
| Return on Equity (ROE) | 4.3543% | 4,959 |
| Retained earnings to average equity (ytd only) | 2.0509% | 4,781 |
| Net charge-offs to loans | 0.1000% | 3,840 |
| Credit loss provision to net charge-offs | 113.5135% | 2,126 |
| Earnings coverage of net charge-offs (x) | 6.5541% | 3,039 |
| Efficiency ratio | 86.2098% | 1,397 |
| Assets per employee ($millions) | 3.5892% | 4,709 |
| Cash dividends to net income (ytd only)* | 52.8986% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0829% | 5,235 |
| Loan loss allowance to noncurrent loans | 148.4043% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.6286% | 4,351 |
| Noncurrent loans to loans | 0.7297% | 4,138 |
| Net loans and leases to total assets | 85.2078% | 191 |
| Net loans and leases to deposits | 92.2035% | 1,034 |
| Net loans and leases to core deposits | 94.7246% | 1,544 |
| Total domestic deposits to total assets | 92.4128% | 211 |
| Equity capital to assets | 7.1604% | 6,411 |
| Core capital (leverage) ratio | 7.4731% | 6,384 |
| Tier 1 risk-based capital ratio | 10.1346% | 6,479 |
| Total risk-based capital ratio | 11.3847% | 6,437 |
| Memoranda: | ||
| Average total assets | $86,605,400 | 5,062 |
| Average earning assets | $81,764,600 | 4,993 |
| Average equity | $6,338,600 | 5,732 |
| Average total loans | $73,984,600 | 4,130 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8384% | 1,267 |
| Cost of funding earning assets | 0.8135% | 1,251 |
| Net interest margin | 4.0249% | 1,860 |
| Noninterest income to average assets | 0.2827% | 5,424 |
| Noninterest expense to average assets | 3.5389% | 1,528 |
| Loan and lease loss provision to assets | 0.0979% | 3,127 |
| Net operating income to assets | 0.3123% | 5,577 |
| Return on assets (ROA) | 0.3123% | 5,688 |
| Pretax return on assets | 0.4505% | 5,498 |
| Return on Equity (ROE) | 4.2424% | 5,111 |
| Retained earnings to average equity (ytd only) | 1.1608% | 5,517 |
| Net charge-offs to loans | 0.1039% | 3,497 |
| Credit loss provision to net charge-offs | 110.5263% | 2,135 |
| Earnings coverage of net charge-offs (x) | 6.1928% | 3,020 |
| Efficiency ratio | 86.5830% | 1,307 |
| Assets per employee ($millions) | 3.3581% | 5,167 |
| Cash dividends to net income (ytd only)* | 72.6370% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1072% | 5,294 |
| Loan loss allowance to noncurrent loans | 147.6950% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.6718% | 4,434 |
| Noncurrent loans to loans | 0.7496% | 4,348 |
| Net loans and leases to total assets | 88.6280% | 68 |
| Net loans and leases to deposits | 96.4445% | 660 |
| Net loans and leases to core deposits | 98.5928% | 1,195 |
| Total domestic deposits to total assets | 91.8954% | 257 |
| Equity capital to assets | 7.5638% | 6,371 |
| Core capital (leverage) ratio | 7.4697% | 6,456 |
| Tier 1 risk-based capital ratio | 10.2846% | 6,514 |
| Total risk-based capital ratio | 11.5357% | 6,483 |
| Memoranda: | ||
| Average total assets | $85,824,250 | 5,132 |
| Average earning assets | $81,126,500 | 5,051 |
| Average equity | $6,317,000 | 5,808 |
| Average total loans | $73,157,250 | 4,190 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7894% | 1,349 |
| Cost of funding earning assets | 0.8292% | 1,264 |
| Net interest margin | 3.9601% | 2,008 |
| Noninterest income to average assets | 0.2707% | 5,520 |
| Noninterest expense to average assets | 3.5027% | 1,601 |
| Loan and lease loss provision to assets | 0.0972% | 3,167 |
| Net operating income to assets | 0.2984% | 5,604 |
| Return on assets (ROA) | 0.2984% | 5,754 |
| Pretax return on assets | 0.4164% | 5,603 |
| Return on Equity (ROE) | 4.0913% | 5,183 |
| Retained earnings to average equity (ytd only) | 1.6175% | 5,219 |
| Net charge-offs to loans | 0.1573% | 2,842 |
| Credit loss provision to net charge-offs | 73.6842% | 2,753 |
| Earnings coverage of net charge-offs (x) | 3.8947% | 3,273 |
| Efficiency ratio | 87.2120% | 1,302 |
| Assets per employee ($millions) | 3.5348% | 4,782 |
| Cash dividends to net income (ytd only)* | 60.4651% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 5,385 |
| Loan loss allowance to noncurrent loans | 161.4314% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.5975% | 4,758 |
| Noncurrent loans to loans | 0.6892% | 4,558 |
| Net loans and leases to total assets | 81.6657% | 381 |
| Net loans and leases to deposits | 88.5236% | 1,282 |
| Net loans and leases to core deposits | 90.3874% | 1,877 |
| Total domestic deposits to total assets | 92.2530% | 215 |
| Equity capital to assets | 7.1834% | 6,550 |
| Core capital (leverage) ratio | 7.4730% | 6,467 |
| Tier 1 risk-based capital ratio | 10.5843% | 6,480 |
| Total risk-based capital ratio | 11.8360% | 6,453 |
| Memoranda: | ||
| Average total assets | $86,448,330 | 5,140 |
| Average earning assets | $81,764,670 | 5,059 |
| Average equity | $6,306,000 | 5,851 |
| Average total loans | $72,463,670 | 4,226 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9079% | 1,057 |
| Cost of funding earning assets | 0.8684% | 1,156 |
| Net interest margin | 4.0395% | 1,647 |
| Noninterest income to average assets | 0.2480% | 5,685 |
| Noninterest expense to average assets | 3.6497% | 1,336 |
| Loan and lease loss provision to assets | 0.0983% | 3,044 |
| Net operating income to assets | 0.2573% | 5,702 |
| Return on assets (ROA) | 0.2573% | 5,826 |
| Pretax return on assets | 0.3088% | 5,831 |
| Return on Equity (ROE) | 3.5004% | 5,338 |
| Retained earnings to average equity (ytd only) | -1.4638% | 6,017 |
| Net charge-offs to loans | 0.0554% | 3,276 |
| Credit loss provision to net charge-offs | 210.0000% | 1,050 |
| Earnings coverage of net charge-offs (x) | 8.7000% | 1,921 |
| Efficiency ratio | 89.9654% | 1,148 |
| Assets per employee ($millions) | 3.5480% | 4,884 |
| Cash dividends to net income (ytd only)* | 141.8182% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 5,322 |
| Loan loss allowance to noncurrent loans | 203.8929% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.4827% | 5,177 |
| Noncurrent loans to loans | 0.5740% | 5,011 |
| Net loans and leases to total assets | 83.1102% | 225 |
| Net loans and leases to deposits | 90.3036% | 941 |
| Net loans and leases to core deposits | 92.2674% | 1,483 |
| Total domestic deposits to total assets | 92.0342% | 241 |
| Equity capital to assets | 7.3680% | 6,631 |
| Core capital (leverage) ratio | 7.3054% | 6,541 |
| Tier 1 risk-based capital ratio | 10.7209% | 6,514 |
| Total risk-based capital ratio | 11.9730% | 6,475 |
| Memoranda: | ||
| Average total assets | $85,487,500 | 5,218 |
| Average earning assets | $80,604,000 | 5,136 |
| Average equity | $6,285,000 | 5,916 |
| Average total loans | $72,205,500 | 4,263 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1931% | 1,129 |
| Cost of funding earning assets | 1.0814% | 977 |
| Net interest margin | 4.1118% | 1,953 |
| Noninterest income to average assets | 0.2720% | 5,515 |
| Noninterest expense to average assets | 3.4966% | 1,820 |
| Loan and lease loss provision to assets | 0.1592% | 3,626 |
| Net operating income to assets | 0.3100% | 5,434 |
| Return on assets (ROA) | 0.3100% | 5,639 |
| Pretax return on assets | 0.4775% | 5,344 |
| Return on Equity (ROE) | 4.1823% | 5,066 |
| Retained earnings to average equity (ytd only) | 1.6505% | 5,035 |
| Net charge-offs to loans | 0.0057% | 5,887 |
| Credit loss provision to net charge-offs | 3,350.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 134.0000% | 307 |
| Efficiency ratio | 84.5977% | 1,559 |
| Assets per employee ($millions) | 3.4329% | 5,142 |
| Cash dividends to net income (ytd only)* | 60.5364% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 5,407 |
| Loan loss allowance to noncurrent loans | 102.2250% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 0.9426% | 4,145 |
| Noncurrent loans to loans | 1.1112% | 3,988 |
| Net loans and leases to total assets | 83.8656% | 221 |
| Net loans and leases to deposits | 91.0547% | 980 |
| Net loans and leases to core deposits | 93.0175% | 1,555 |
| Total domestic deposits to total assets | 92.1047% | 230 |
| Equity capital to assets | 7.3360% | 6,687 |
| Core capital (leverage) ratio | 7.4359% | 6,528 |
| Tier 1 risk-based capital ratio | 10.5095% | 6,550 |
| Total risk-based capital ratio | 11.7608% | 6,519 |
| Memoranda: | ||
| Average total assets | $84,195,600 | 5,243 |
| Average earning assets | $79,066,000 | 5,157 |
| Average equity | $6,240,600 | 5,953 |
| Average total loans | $70,503,400 | 4,344 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2051% | 1,181 |
| Cost of funding earning assets | 1.1232% | 970 |
| Net interest margin | 4.0819% | 2,161 |
| Noninterest income to average assets | 0.2721% | 5,610 |
| Noninterest expense to average assets | 3.4276% | 1,936 |
| Loan and lease loss provision to assets | 0.1003% | 4,319 |
| Net operating income to assets | 0.3803% | 5,325 |
| Return on assets (ROA) | 0.3803% | 5,536 |
| Pretax return on assets | 0.5840% | 5,222 |
| Return on Equity (ROE) | 5.1176% | 4,772 |
| Retained earnings to average equity (ytd only) | 1.7345% | 5,464 |
| Net charge-offs to loans | 0.0076% | 5,624 |
| Credit loss provision to net charge-offs | 1,575.0000% | 176 |
| Earnings coverage of net charge-offs (x) | 107.5647% | 395 |
| Efficiency ratio | 83.3591% | 1,664 |
| Assets per employee ($millions) | 3.3885% | 5,238 |
| Cash dividends to net income (ytd only)* | 66.1081% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 5,955 |
| Loan loss allowance to noncurrent loans | 147.0817% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.6320% | 5,089 |
| Noncurrent loans to loans | 0.7038% | 5,030 |
| Net loans and leases to total assets | 88.8791% | 71 |
| Net loans and leases to deposits | 96.9759% | 599 |
| Net loans and leases to core deposits | 99.1590% | 1,181 |
| Total domestic deposits to total assets | 91.6507% | 257 |
| Equity capital to assets | 7.7148% | 6,710 |
| Core capital (leverage) ratio | 7.5575% | 6,588 |
| Tier 1 risk-based capital ratio | 10.4663% | 6,676 |
| Total risk-based capital ratio | 11.7168% | 6,656 |
| Memoranda: | ||
| Average total assets | $83,788,750 | 5,303 |
| Average earning assets | $78,817,750 | 5,213 |
| Average equity | $6,226,750 | 6,026 |
| Average total loans | $69,928,500 | 4,402 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1071% | 1,486 |
| Cost of funding earning assets | 1.1494% | 1,031 |
| Net interest margin | 3.9577% | 2,689 |
| Noninterest income to average assets | 0.2766% | 5,597 |
| Noninterest expense to average assets | 3.3518% | 2,150 |
| Loan and lease loss provision to assets | 0.0993% | 4,289 |
| Net operating income to assets | 0.3593% | 5,381 |
| Return on assets (ROA) | 0.3593% | 5,606 |
| Pretax return on assets | 0.5531% | 5,300 |
| Return on Equity (ROE) | 4.8945% | 4,851 |
| Retained earnings to average equity (ytd only) | 2.3185% | 5,034 |
| Net charge-offs to loans | 0.0145% | 5,228 |
| Credit loss provision to net charge-offs | 840.0000% | 381 |
| Earnings coverage of net charge-offs (x) | 55.2000% | 675 |
| Efficiency ratio | 83.7072% | 1,664 |
| Assets per employee ($millions) | 3.4498% | 5,093 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 6,019 |
| Loan loss allowance to noncurrent loans | 163.4744% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.5423% | 5,407 |
| Noncurrent loans to loans | 0.6333% | 5,239 |
| Net loans and leases to total assets | 84.7481% | 185 |
| Net loans and leases to deposits | 92.3640% | 910 |
| Net loans and leases to core deposits | 94.4032% | 1,563 |
| Total domestic deposits to total assets | 91.7544% | 267 |
| Equity capital to assets | 7.5668% | 6,774 |
| Core capital (leverage) ratio | 7.5150% | 6,621 |
| Tier 1 risk-based capital ratio | 10.6930% | 6,617 |
| Total risk-based capital ratio | 11.9434% | 6,603 |
| Memoranda: | ||
| Average total assets | $84,610,330 | 5,314 |
| Average earning assets | $79,693,670 | 5,219 |
| Average equity | $6,211,000 | 6,060 |
| Average total loans | $68,892,670 | 4,454 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0553% | 1,707 |
| Cost of funding earning assets | 1.1830% | 1,057 |
| Net interest margin | 3.8723% | 3,042 |
| Noninterest income to average assets | 0.2526% | 5,836 |
| Noninterest expense to average assets | 3.3397% | 2,171 |
| Loan and lease loss provision to assets | 0.0982% | 4,116 |
| Net operating income to assets | 0.2994% | 5,661 |
| Return on assets (ROA) | 0.2994% | 5,827 |
| Pretax return on assets | 0.4584% | 5,563 |
| Return on Equity (ROE) | 4.1397% | 5,232 |
| Retained earnings to average equity (ytd only) | -1.0349% | 6,157 |
| Net charge-offs to loans | 0.0354% | 4,199 |
| Credit loss provision to net charge-offs | 350.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 19.8333% | 1,213 |
| Efficiency ratio | 85.7143% | 1,506 |
| Assets per employee ($millions) | 3.5401% | 5,026 |
| Cash dividends to net income (ytd only)* | 125.0000% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0706% | 6,008 |
| Loan loss allowance to noncurrent loans | 1,130.1587% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 6,496 |
| Noncurrent loans to loans | 0.0947% | 6,523 |
| Net loans and leases to total assets | 77.4393% | 643 |
| Net loans and leases to deposits | 84.1108% | 1,650 |
| Net loans and leases to core deposits | 86.3631% | 2,247 |
| Total domestic deposits to total assets | 92.0682% | 245 |
| Equity capital to assets | 7.2691% | 6,857 |
| Core capital (leverage) ratio | 7.4101% | 6,684 |
| Tier 1 risk-based capital ratio | 11.2462% | 6,421 |
| Total risk-based capital ratio | 12.4980% | 6,399 |
| Memoranda: | ||
| Average total assets | $85,517,500 | 5,324 |
| Average earning assets | $80,470,000 | 5,233 |
| Average equity | $6,184,000 | 6,100 |
| Average total loans | $67,888,000 | 4,523 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2016% | 2,053 |
| Cost of funding earning assets | 1.4017% | 1,034 |
| Net interest margin | 3.7999% | 3,819 |
| Noninterest income to average assets | 0.2644% | 5,634 |
| Noninterest expense to average assets | 3.1726% | 2,957 |
| Loan and lease loss provision to assets | 0.2346% | 3,856 |
| Net operating income to assets | 0.2811% | 5,322 |
| Return on assets (ROA) | 0.2811% | 5,479 |
| Pretax return on assets | 0.4311% | 5,201 |
| Return on Equity (ROE) | 3.8526% | 4,925 |
| Retained earnings to average equity (ytd only) | 1.3060% | 5,246 |
| Net charge-offs to loans | 0.0608% | 5,693 |
| Credit loss provision to net charge-offs | 480.4878% | 470 |
| Earnings coverage of net charge-offs (x) | 13.6341% | 1,525 |
| Efficiency ratio | 82.6559% | 1,931 |
| Assets per employee ($millions) | 3.5864% | 4,808 |
| Cash dividends to net income (ytd only)* | 66.1017% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 6,193 |
| Loan loss allowance to noncurrent loans | 156.6292% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.5983% | 5,466 |
| Noncurrent loans to loans | 0.6424% | 5,423 |
| Net loans and leases to total assets | 79.6684% | 531 |
| Net loans and leases to deposits | 88.1775% | 1,358 |
| Net loans and leases to core deposits | 90.5529% | 2,043 |
| Total domestic deposits to total assets | 90.3501% | 791 |
| Equity capital to assets | 7.1939% | 6,905 |
| Core capital (leverage) ratio | 7.3359% | 6,734 |
| Tier 1 risk-based capital ratio | 10.9722% | 6,469 |
| Total risk-based capital ratio | 12.2081% | 6,455 |
| Memoranda: | ||
| Average total assets | $83,970,200 | 5,339 |
| Average earning assets | $78,975,800 | 5,261 |
| Average equity | $6,125,800 | 6,121 |
| Average total loans | $67,449,400 | 4,581 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1439% | 2,409 |
| Cost of funding earning assets | 1.4435% | 1,047 |
| Net interest margin | 3.7004% | 4,327 |
| Noninterest income to average assets | 0.2461% | 5,860 |
| Noninterest expense to average assets | 3.2244% | 2,750 |
| Loan and lease loss provision to assets | 0.0911% | 5,318 |
| Net operating income to assets | 0.2684% | 5,514 |
| Return on assets (ROA) | 0.2684% | 5,671 |
| Pretax return on assets | 0.4122% | 5,427 |
| Return on Equity (ROE) | 3.6664% | 5,144 |
| Retained earnings to average equity (ytd only) | 0.2619% | 5,877 |
| Net charge-offs to loans | 0.0577% | 5,390 |
| Credit loss provision to net charge-offs | 196.5517% | 1,489 |
| Earnings coverage of net charge-offs (x) | 10.8609% | 1,871 |
| Efficiency ratio | 86.4981% | 1,483 |
| Assets per employee ($millions) | 3.5020% | 4,992 |
| Cash dividends to net income (ytd only)* | 92.8568% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8156% | 6,789 |
| Loan loss allowance to noncurrent loans | 97.5986% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.6937% | 5,412 |
| Noncurrent loans to loans | 0.8357% | 5,204 |
| Net loans and leases to total assets | 82.3289% | 329 |
| Net loans and leases to deposits | 91.3272% | 1,070 |
| Net loans and leases to core deposits | 93.7106% | 1,817 |
| Total domestic deposits to total assets | 90.1472% | 791 |
| Equity capital to assets | 7.2876% | 6,988 |
| Core capital (leverage) ratio | 7.3031% | 6,856 |
| Tier 1 risk-based capital ratio | 10.8998% | 6,602 |
| Total risk-based capital ratio | 11.9132% | 6,703 |
| Memoranda: | ||
| Average total assets | $83,444,500 | 5,391 |
| Average earning assets | $78,512,000 | 5,312 |
| Average equity | $6,109,250 | 6,174 |
| Average total loans | $66,994,250 | 4,631 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0739% | 2,802 |
| Cost of funding earning assets | 1.4646% | 1,145 |
| Net interest margin | 3.6093% | 4,688 |
| Noninterest income to average assets | 0.2379% | 5,951 |
| Noninterest expense to average assets | 3.1954% | 2,916 |
| Loan and lease loss provision to assets | 0.0577% | 5,596 |
| Net operating income to assets | 0.2523% | 5,554 |
| Return on assets (ROA) | 0.2523% | 5,677 |
| Pretax return on assets | 0.3892% | 5,424 |
| Return on Equity (ROE) | 3.4404% | 5,193 |
| Retained earnings to average equity (ytd only) | 0.8847% | 5,516 |
| Net charge-offs to loans | 0.0908% | 4,757 |
| Credit loss provision to net charge-offs | 80.0000% | 3,771 |
| Earnings coverage of net charge-offs (x) | 6.2000% | 2,443 |
| Efficiency ratio | 87.7309% | 1,443 |
| Assets per employee ($millions) | 3.4644% | 5,042 |
| Cash dividends to net income (ytd only)* | 74.2857% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7870% | 6,893 |
| Loan loss allowance to noncurrent loans | 107.4297% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.5989% | 5,722 |
| Noncurrent loans to loans | 0.7326% | 5,445 |
| Net loans and leases to total assets | 81.1115% | 440 |
| Net loans and leases to deposits | 90.1003% | 1,259 |
| Net loans and leases to core deposits | 92.4812% | 2,075 |
| Total domestic deposits to total assets | 90.0236% | 966 |
| Equity capital to assets | 7.3846% | 7,000 |
| Core capital (leverage) ratio | 7.3728% | 6,830 |
| Tier 1 risk-based capital ratio | 11.3368% | 6,293 |
| Total risk-based capital ratio | 12.3254% | 6,453 |
| Memoranda: | ||
| Average total assets | $83,243,670 | 5,450 |
| Average earning assets | $78,519,670 | 5,361 |
| Average equity | $6,104,000 | 6,205 |
| Average total loans | $66,071,000 | 4,729 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0220% | 3,000 |
| Cost of funding earning assets | 1.5056% | 1,142 |
| Net interest margin | 3.5164% | 4,935 |
| Noninterest income to average assets | 0.2257% | 6,113 |
| Noninterest expense to average assets | 3.2896% | 2,591 |
| Loan and lease loss provision to assets | 0.0576% | 5,281 |
| Net operating income to assets | 0.1201% | 6,039 |
| Return on assets (ROA) | 0.1201% | 6,097 |
| Pretax return on assets | 0.1873% | 5,970 |
| Return on Equity (ROE) | 1.6431% | 5,932 |
| Retained earnings to average equity (ytd only) | -3.4834% | 6,364 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0707% | 1,097 |
| Assets per employee ($millions) | 3.4331% | 5,155 |
| Cash dividends to net income (ytd only)* | 312.0000% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8435% | 6,831 |
| Loan loss allowance to noncurrent loans | 103.5581% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.6481% | 5,662 |
| Noncurrent loans to loans | 0.8145% | 5,407 |
| Net loans and leases to total assets | 78.8968% | 633 |
| Net loans and leases to deposits | 87.6093% | 1,505 |
| Net loans and leases to core deposits | 89.9116% | 2,360 |
| Total domestic deposits to total assets | 90.0552% | 1,119 |
| Equity capital to assets | 7.3548% | 6,946 |
| Core capital (leverage) ratio | 7.2575% | 6,889 |
| Tier 1 risk-based capital ratio | 11.5717% | 6,046 |
| Total risk-based capital ratio | 12.6285% | 6,181 |
| Memoranda: | ||
| Average total assets | $83,292,500 | 5,486 |
| Average earning assets | $78,375,000 | 5,405 |
| Average equity | $6,086,000 | 6,214 |
| Average total loans | $65,118,500 | 4,800 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3502% | 2,895 |
| Cost of funding earning assets | 1.8454% | 1,010 |
| Net interest margin | 3.5049% | 5,228 |
| Noninterest income to average assets | 0.2440% | 6,053 |
| Noninterest expense to average assets | 3.2038% | 3,079 |
| Loan and lease loss provision to assets | 0.2365% | 4,919 |
| Net operating income to assets | 0.0632% | 5,668 |
| Return on assets (ROA) | 0.0632% | 5,815 |
| Pretax return on assets | 0.0966% | 5,704 |
| Return on Equity (ROE) | 0.8377% | 5,741 |
| Retained earnings to average equity (ytd only) | 0.8377% | 5,128 |
| Net charge-offs to loans | 0.0400% | 6,406 |
| Credit loss provision to net charge-offs | 734.6154% | 293 |
| Earnings coverage of net charge-offs (x) | 10.3462% | 1,721 |
| Efficiency ratio | 90.5812% | 1,280 |
| Assets per employee ($millions) | 3.5079% | 4,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8365% | 6,890 |
| Loan loss allowance to noncurrent loans | 741.0959% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 7,018 |
| Noncurrent loans to loans | 0.1129% | 6,860 |
| Net loans and leases to total assets | 76.1801% | 1,240 |
| Net loans and leases to deposits | 84.4117% | 2,382 |
| Net loans and leases to core deposits | 86.5767% | 3,243 |
| Total domestic deposits to total assets | 90.2482% | 955 |
| Equity capital to assets | 7.2598% | 7,013 |
| Core capital (leverage) ratio | 7.4166% | 6,771 |
| Tier 1 risk-based capital ratio | 11.6188% | 5,800 |
| Total risk-based capital ratio | 12.6479% | 5,989 |
| Memoranda: | ||
| Average total assets | $80,748,200 | 5,574 |
| Average earning assets | $75,866,200 | 5,486 |
| Average equity | $6,088,000 | 6,330 |
| Average total loans | $64,961,600 | 4,872 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4034% | 2,865 |
| Cost of funding earning assets | 1.9342% | 918 |
| Net interest margin | 3.4692% | 5,417 |
| Noninterest income to average assets | 0.2387% | 6,181 |
| Noninterest expense to average assets | 3.2361% | 2,792 |
| Loan and lease loss provision to assets | 0.0601% | 6,465 |
| Net operating income to assets | 0.1335% | 5,680 |
| Return on assets (ROA) | 0.1335% | 5,844 |
| Pretax return on assets | 0.2053% | 5,723 |
| Return on Equity (ROE) | 1.7537% | 5,689 |
| Retained earnings to average equity (ytd only) | 1.7537% | 5,088 |
| Net charge-offs to loans | 0.0472% | 6,057 |
| Credit loss provision to net charge-offs | 156.5217% | 2,451 |
| Earnings coverage of net charge-offs (x) | 6.9120% | 2,427 |
| Efficiency ratio | 92.4214% | 1,088 |
| Assets per employee ($millions) | 3.3637% | 5,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5860% | 7,366 |
| Loan loss allowance to noncurrent loans | 141.9708% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.3394% | 6,533 |
| Noncurrent loans to loans | 0.4127% | 6,372 |
| Net loans and leases to total assets | 81.7535% | 526 |
| Net loans and leases to deposits | 91.1650% | 1,551 |
| Net loans and leases to core deposits | 93.5624% | 2,582 |
| Total domestic deposits to total assets | 89.6764% | 1,030 |
| Equity capital to assets | 7.6083% | 7,056 |
| Core capital (leverage) ratio | 7.4655% | 6,868 |
| Tier 1 risk-based capital ratio | 11.5082% | 5,927 |
| Total risk-based capital ratio | 12.2377% | 6,373 |
| Memoranda: | ||
| Average total assets | $79,887,750 | 5,667 |
| Average earning assets | $75,136,250 | 5,569 |
| Average equity | $6,082,000 | 6,424 |
| Average total loans | $65,032,750 | 4,942 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3185% | 3,377 |
| Cost of funding earning assets | 1.9988% | 916 |
| Net interest margin | 3.3198% | 5,943 |
| Noninterest income to average assets | 0.2362% | 6,215 |
| Noninterest expense to average assets | 3.2484% | 2,731 |
| Loan and lease loss provision to assets | 0.0603% | 6,350 |
| Net operating income to assets | 0.0352% | 6,026 |
| Return on assets (ROA) | 0.0352% | 6,121 |
| Pretax return on assets | 0.0528% | 6,067 |
| Return on Equity (ROE) | 0.4619% | 6,095 |
| Retained earnings to average equity (ytd only) | 0.4619% | 5,578 |
| Net charge-offs to loans | 0.0774% | 5,371 |
| Credit loss provision to net charge-offs | 96.0000% | 4,236 |
| Earnings coverage of net charge-offs (x) | 1.8000% | 4,169 |
| Efficiency ratio | 96.6368% | 934 |
| Assets per employee ($millions) | 3.4343% | 5,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5672% | 7,449 |
| Loan loss allowance to noncurrent loans | 275.7353% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 6,972 |
| Noncurrent loans to loans | 0.2057% | 6,841 |
| Net loans and leases to total assets | 79.7535% | 835 |
| Net loans and leases to deposits | 88.7748% | 2,038 |
| Net loans and leases to core deposits | 91.6386% | 3,038 |
| Total domestic deposits to total assets | 89.8379% | 999 |
| Equity capital to assets | 7.3704% | 7,185 |
| Core capital (leverage) ratio | 7.6392% | 6,690 |
| Tier 1 risk-based capital ratio | 11.4836% | 5,786 |
| Total risk-based capital ratio | 12.1930% | 6,283 |
| Memoranda: | ||
| Average total assets | $79,607,670 | 5,711 |
| Average earning assets | $74,945,330 | 5,608 |
| Average equity | $6,062,000 | 6,453 |
| Average total loans | $64,581,330 | 4,998 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3211% | 3,440 |
| Cost of funding earning assets | 2.0654% | 901 |
| Net interest margin | 3.2557% | 6,113 |
| Noninterest income to average assets | 0.2609% | 6,060 |
| Noninterest expense to average assets | 3.3606% | 2,342 |
| Loan and lease loss provision to assets | 0.0614% | 6,030 |
| Net operating income to assets | -0.0614% | 6,386 |
| Return on assets (ROA) | -0.0614% | 6,469 |
| Pretax return on assets | -0.0972% | 6,466 |
| Return on Equity (ROE) | -0.7927% | 6,500 |
| Retained earnings to average equity (ytd only) | -0.7927% | 6,010 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0769% | 805 |
| Assets per employee ($millions) | 3.2505% | 5,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5921% | 7,507 |
| Loan loss allowance to noncurrent loans | 171.6814% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.2897% | 6,755 |
| Noncurrent loans to loans | 0.3449% | 6,612 |
| Net loans and leases to total assets | 83.4948% | 426 |
| Net loans and leases to deposits | 93.3916% | 1,422 |
| Net loans and leases to core deposits | 97.1020% | 2,449 |
| Total domestic deposits to total assets | 89.4029% | 1,297 |
| Equity capital to assets | 7.7552% | 6,881 |
| Core capital (leverage) ratio | 7.8368% | 6,453 |
| Tier 1 risk-based capital ratio | 11.6470% | 5,531 |
| Total risk-based capital ratio | 12.3945% | 5,977 |
| Memoranda: | ||
| Average total assets | $78,199,500 | 5,819 |
| Average earning assets | $73,594,000 | 5,720 |
| Average equity | $6,055,500 | 6,502 |
| Average total loans | $63,816,500 | 5,095 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7862% | 2,712 |
| Cost of funding earning assets | 2.3609% | 1,420 |
| Net interest margin | 3.4253% | 5,267 |
| Noninterest income to average assets | 0.1757% | 6,825 |
| Noninterest expense to average assets | 3.2740% | 3,110 |
| Loan and lease loss provision to assets | 0.0317% | 7,212 |
| Net operating income to assets | 0.0013% | 5,477 |
| Return on assets (ROA) | 0.0013% | 5,535 |
| Pretax return on assets | -0.0092% | 5,460 |
| Return on Equity (ROE) | 0.0175% | 5,536 |
| Retained earnings to average equity (ytd only) | 0.0175% | 4,903 |
| Net charge-offs to loans | 0.1340% | 5,862 |
| Credit loss provision to net charge-offs | 27.9070% | 6,907 |
| Earnings coverage of net charge-offs (x) | 0.1977% | 5,943 |
| Efficiency ratio | 99.3186% | 1,138 |
| Assets per employee ($millions) | 3.2661% | 5,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6054% | 7,546 |
| Loan loss allowance to noncurrent loans | 37,600.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 7,342 |
| Noncurrent loans to loans | 0.0016% | 7,455 |
| Net loans and leases to total assets | 78.7541% | 1,238 |
| Net loans and leases to deposits | 88.7695% | 2,431 |
| Net loans and leases to core deposits | 119.1964% | 2,011 |
| Total domestic deposits to total assets | 88.7175% | 1,619 |
| Equity capital to assets | 7.7321% | 6,830 |
| Core capital (leverage) ratio | 7.5896% | 6,693 |
| Tier 1 risk-based capital ratio | 11.7717% | 5,130 |
| Total risk-based capital ratio | 12.5024% | 5,618 |
| Memoranda: | ||
| Average total assets | $75,688,200 | 5,850 |
| Average earning assets | $68,957,000 | 5,843 |
| Average equity | $5,704,800 | 6,711 |
| Average total loans | $64,163,800 | 5,095 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8806% | 2,531 |
| Cost of funding earning assets | 2.4203% | 1,558 |
| Net interest margin | 3.4603% | 5,026 |
| Noninterest income to average assets | 0.1848% | 6,903 |
| Noninterest expense to average assets | 3.2900% | 2,954 |
| Loan and lease loss provision to assets | 0.0320% | 7,037 |
| Net operating income to assets | -0.0053% | 5,717 |
| Return on assets (ROA) | -0.0053% | 5,780 |
| Pretax return on assets | -0.0089% | 5,722 |
| Return on Equity (ROE) | -0.0712% | 5,786 |
| Retained earnings to average equity (ytd only) | -0.0712% | 5,225 |
| Net charge-offs to loans | 0.0763% | 5,923 |
| Credit loss provision to net charge-offs | 48.6486% | 6,330 |
| Earnings coverage of net charge-offs (x) | 0.3513% | 5,669 |
| Efficiency ratio | 99.3026% | 1,094 |
| Assets per employee ($millions) | 3.3172% | 5,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6475% | 7,492 |
| Loan loss allowance to noncurrent loans | 581.9444% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.2010% | 7,022 |
| Noncurrent loans to loans | 0.1113% | 7,200 |
| Net loans and leases to total assets | 80.7592% | 1,028 |
| Net loans and leases to deposits | 89.6271% | 2,645 |
| Net loans and leases to core deposits | 116.6691% | 2,557 |
| Total domestic deposits to total assets | 90.1058% | 729 |
| Equity capital to assets | 7.0743% | 7,562 |
| Core capital (leverage) ratio | 7.2063% | 7,260 |
| Tier 1 risk-based capital ratio | 10.3893% | 6,582 |
| Total risk-based capital ratio | 11.1628% | 7,010 |
| Memoranda: | ||
| Average total assets | $75,013,500 | 5,908 |
| Average earning assets | $67,814,500 | 5,915 |
| Average equity | $5,615,750 | 6,810 |
| Average total loans | $64,677,500 | 5,118 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8194% | 2,959 |
| Cost of funding earning assets | 2.4290% | 1,854 |
| Net interest margin | 3.3904% | 5,210 |
| Noninterest income to average assets | 0.1824% | 6,988 |
| Noninterest expense to average assets | 3.3669% | 2,735 |
| Loan and lease loss provision to assets | 0.0327% | 6,910 |
| Net operating income to assets | -0.0762% | 5,964 |
| Return on assets (ROA) | -0.0762% | 6,027 |
| Pretax return on assets | -0.1170% | 6,016 |
| Return on Equity (ROE) | -0.9982% | 6,072 |
| Retained earnings to average equity (ytd only) | -0.9982% | 5,484 |
| Net charge-offs to loans | 0.0866% | 5,340 |
| Credit loss provision to net charge-offs | 42.8571% | 5,862 |
| Earnings coverage of net charge-offs (x) | -1.1071% | 6,250 |
| Efficiency ratio | 102.5705% | 1,071 |
| Assets per employee ($millions) | 3.2301% | 5,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6334% | 7,573 |
| Loan loss allowance to noncurrent loans | 260.4938% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.3225% | 6,662 |
| Noncurrent loans to loans | 0.2432% | 6,904 |
| Net loans and leases to total assets | 85.3966% | 450 |
| Net loans and leases to deposits | 95.2328% | 1,914 |
| Net loans and leases to core deposits | 122.2296% | 2,189 |
| Total domestic deposits to total assets | 89.6715% | 969 |
| Equity capital to assets | 7.2275% | 7,468 |
| Core capital (leverage) ratio | 7.3874% | 7,145 |
| Tier 1 risk-based capital ratio | 10.1377% | 6,789 |
| Total risk-based capital ratio | 10.9012% | 7,220 |
| Memoranda: | ||
| Average total assets | $73,480,670 | 5,991 |
| Average earning assets | $67,189,000 | 5,974 |
| Average equity | $5,610,330 | 6,859 |
| Average total loans | $64,665,670 | 5,152 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8060% | 3,268 |
| Cost of funding earning assets | 2.4302% | 2,176 |
| Net interest margin | 3.3759% | 5,229 |
| Noninterest income to average assets | 0.1735% | 7,065 |
| Noninterest expense to average assets | 3.4593% | 2,203 |
| Loan and lease loss provision to assets | 0.0336% | 6,519 |
| Net operating income to assets | -0.1623% | 6,499 |
| Return on assets (ROA) | -0.1623% | 6,597 |
| Pretax return on assets | -0.1623% | 6,533 |
| Return on Equity (ROE) | -2.0663% | 6,666 |
| Retained earnings to average equity (ytd only) | -2.0663% | 6,115 |
| Net charge-offs to loans | 0.1759% | 3,582 |
| Credit loss provision to net charge-offs | 21.4286% | 5,060 |
| Earnings coverage of net charge-offs (x) | -0.8214% | 5,329 |
| Efficiency ratio | 103.8655% | 990 |
| Assets per employee ($millions) | 3.0806% | 5,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6511% | 7,567 |
| Loan loss allowance to noncurrent loans | 192.5926% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.4112% | 6,264 |
| Noncurrent loans to loans | 0.3381% | 6,585 |
| Net loans and leases to total assets | 85.8497% | 469 |
| Net loans and leases to deposits | 96.0054% | 1,947 |
| Net loans and leases to core deposits | 120.9931% | 2,336 |
| Total domestic deposits to total assets | 89.4218% | 1,043 |
| Equity capital to assets | 7.5769% | 7,287 |
| Core capital (leverage) ratio | 7.7907% | 6,761 |
| Tier 1 risk-based capital ratio | 10.5147% | 6,383 |
| Total risk-based capital ratio | 11.2955% | 6,778 |
| Memoranda: | ||
| Average total assets | $71,459,500 | 6,085 |
| Average earning assets | $66,827,000 | 6,009 |
| Average equity | $5,614,000 | 6,912 |
| Average total loans | $63,686,500 | 5,220 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6320% | 2,328 |
| Cost of funding earning assets | 2.9888% | 1,905 |
| Net interest margin | 3.6432% | 4,707 |
| Noninterest income to average assets | 0.2096% | 6,941 |
| Noninterest expense to average assets | 3.4842% | 2,439 |
| Loan and lease loss provision to assets | 0.0892% | 6,266 |
| Net operating income to assets | 0.0238% | 6,302 |
| Return on assets (ROA) | 0.0238% | 6,158 |
| Pretax return on assets | 0.0372% | 6,085 |
| Return on Equity (ROE) | 0.3042% | 6,133 |
| Retained earnings to average equity (ytd only) | -3.2133% | 6,154 |
| Net charge-offs to loans | 0.1310% | 4,918 |
| Credit loss provision to net charge-offs | 73.1707% | 6,027 |
| Earnings coverage of net charge-offs (x) | 1.0366% | 5,612 |
| Efficiency ratio | 96.5006% | 1,125 |
| Assets per employee ($millions) | 2.8743% | 6,385 |
| Cash dividends to net income (ytd only)* | 1,156.2500% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6899% | 7,459 |
| Loan loss allowance to noncurrent loans | 280.7692% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.3276% | 6,296 |
| Noncurrent loans to loans | 0.2457% | 6,648 |
| Net loans and leases to total assets | 91.3922% | 110 |
| Net loans and leases to deposits | 100.6305% | 1,765 |
| Net loans and leases to core deposits | 126.0063% | 2,161 |
| Total domestic deposits to total assets | 90.8196% | 378 |
| Equity capital to assets | 8.1555% | 6,624 |
| Core capital (leverage) ratio | 8.0973% | 6,327 |
| Tier 1 risk-based capital ratio | 10.6611% | 6,037 |
| Total risk-based capital ratio | 11.4904% | 6,343 |
| Memoranda: | ||
| Average total assets | $67,274,200 | 6,114 |
| Average earning assets | $62,801,200 | 6,061 |
| Average equity | $5,259,400 | 7,061 |
| Average total loans | $62,592,200 | 5,152 |