Home > Bedford Loan & Deposit Bank > Performance and Condition Ratios
Bedford Loan & Deposit 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 | 4.5934% | 2,908 |
| Cost of funding earning assets | 0.7493% | 3,853 |
| Net interest margin | 3.8441% | 1,482 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.8359% | 1,417 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.9866% | 2,261 |
| Return on assets (ROA) | 0.9852% | 2,249 |
| Pretax return on assets | 1.2384% | 2,036 |
| Return on Equity (ROE) | 8.7300% | 2,821 |
| Retained earnings to average equity (ytd only) | 7.6732% | 1,644 |
| Net charge-offs to loans | 0.0281% | 1,745 |
| Credit loss provision to net charge-offs | 580.9524% | 606 |
| Earnings coverage of net charge-offs (x) | 73.9048% | 1,073 |
| Efficiency ratio | 67.8142% | 2,132 |
| Assets per employee ($millions) | 4.3625% | 4,012 |
| Cash dividends to net income (ytd only)* | 12.0599% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5275% | 984 |
| Loan loss allowance to noncurrent loans | 69.5284% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 1.4582% | 266 |
| Noncurrent loans to loans | 2.1969% | 240 |
| Net loans and leases to total assets | 65.3600% | 2,328 |
| Net loans and leases to deposits | 78.4147% | 2,233 |
| Net loans and leases to core deposits | 80.7410% | 2,665 |
| Total domestic deposits to total assets | 83.3600% | 2,792 |
| Equity capital to assets | 12.1569% | 1,081 |
| Core capital (leverage) ratio | 14.6091% | 685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4136% | 360 |
| Memoranda: | ||
| Average total assets | $115,306,800 | 3,699 |
| Average earning assets | $107,568,400 | 3,671 |
| Average equity | $13,019,400 | 3,425 |
| Average total loans | $74,655,200 | 3,484 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5353% | 2,834 |
| Cost of funding earning assets | 0.6126% | 3,947 |
| Net interest margin | 3.9227% | 1,356 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 2.7788% | 1,479 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.0832% | 2,107 |
| Return on assets (ROA) | 1.0814% | 2,099 |
| Pretax return on assets | 1.3658% | 1,855 |
| Return on Equity (ROE) | 9.7600% | 2,712 |
| Retained earnings to average equity (ytd only) | 8.9393% | 1,705 |
| Net charge-offs to loans | -0.0537% | 4,382 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.2868% | 2,356 |
| Assets per employee ($millions) | 4.6002% | 3,880 |
| Cash dividends to net income (ytd only)* | 8.4132% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 1,056 |
| Loan loss allowance to noncurrent loans | 82.8511% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 1.2321% | 357 |
| Noncurrent loans to loans | 1.8355% | 351 |
| Net loans and leases to total assets | 66.1100% | 2,233 |
| Net loans and leases to deposits | 79.1954% | 2,123 |
| Net loans and leases to core deposits | 81.4873% | 2,503 |
| Total domestic deposits to total assets | 83.4700% | 2,915 |
| Equity capital to assets | 10.8179% | 1,421 |
| Core capital (leverage) ratio | 14.4828% | 714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3302% | 413 |
| Memoranda: | ||
| Average total assets | $115,777,250 | 3,699 |
| Average earning assets | $107,950,000 | 3,675 |
| Average equity | $12,827,000 | 3,436 |
| Average total loans | $74,497,000 | 3,491 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4529% | 2,763 |
| Cost of funding earning assets | 0.4636% | 4,052 |
| Net interest margin | 3.9893% | 1,265 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.7750% | 1,471 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.1386% | 2,008 |
| Return on assets (ROA) | 1.1359% | 2,010 |
| Pretax return on assets | 1.4392% | 1,727 |
| Return on Equity (ROE) | 10.1700% | 2,657 |
| Retained earnings to average equity (ytd only) | 8.9536% | 1,698 |
| Net charge-offs to loans | -0.1250% | 4,543 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.1434% | 2,469 |
| Assets per employee ($millions) | 4.5767% | 3,897 |
| Cash dividends to net income (ytd only)* | 11.9879% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5475% | 1,043 |
| Loan loss allowance to noncurrent loans | 87.5283% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.1563% | 365 |
| Noncurrent loans to loans | 1.7680% | 347 |
| Net loans and leases to total assets | 64.3900% | 2,349 |
| Net loans and leases to deposits | 75.3804% | 2,374 |
| Net loans and leases to core deposits | 77.5057% | 2,657 |
| Total domestic deposits to total assets | 85.4200% | 2,416 |
| Equity capital to assets | 11.5000% | 1,202 |
| Core capital (leverage) ratio | 14.1942% | 734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7128% | 398 |
| Memoranda: | ||
| Average total assets | $116,035,000 | 3,715 |
| Average earning assets | $108,290,000 | 3,681 |
| Average equity | $12,955,667 | 3,438 |
| Average total loans | $73,596,000 | 3,513 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2253% | 2,990 |
| Cost of funding earning assets | 0.3815% | 4,007 |
| Net interest margin | 3.8439% | 1,594 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.6805% | 1,723 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.1146% | 2,180 |
| Return on assets (ROA) | 1.1092% | 2,162 |
| Pretax return on assets | 1.4036% | 1,871 |
| Return on Equity (ROE) | 10.0800% | 2,763 |
| Retained earnings to average equity (ytd only) | 10.0821% | 1,677 |
| Net charge-offs to loans | 0.1370% | 489 |
| Credit loss provision to net charge-offs | 128.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | 17.7600% | 1,496 |
| Efficiency ratio | 63.8142% | 2,484 |
| Assets per employee ($millions) | 4.6404% | 3,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 1,463 |
| Loan loss allowance to noncurrent loans | 77.9911% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.1671% | 318 |
| Noncurrent loans to loans | 1.8456% | 329 |
| Net loans and leases to total assets | 62.3300% | 2,433 |
| Net loans and leases to deposits | 71.0526% | 2,538 |
| Net loans and leases to core deposits | 72.7227% | 2,763 |
| Total domestic deposits to total assets | 87.7200% | 2,019 |
| Equity capital to assets | 11.3394% | 1,211 |
| Core capital (leverage) ratio | 13.8285% | 765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2735% | 420 |
| Memoranda: | ||
| Average total assets | $116,844,000 | 3,754 |
| Average earning assets | $109,057,000 | 3,730 |
| Average equity | $12,854,500 | 3,491 |
| Average total loans | $72,978,500 | 3,559 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9571% | 1,834 |
| Cost of funding earning assets | 0.2393% | 3,421 |
| Net interest margin | 3.7178% | 1,338 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.6200% | 1,773 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.0529% | 2,363 |
| Return on assets (ROA) | 1.0529% | 2,310 |
| Pretax return on assets | 1.3205% | 2,016 |
| Return on Equity (ROE) | 9.6600% | 2,916 |
| Retained earnings to average equity (ytd only) | 8.5573% | 1,621 |
| Net charge-offs to loans | 0.0300% | 1,472 |
| Credit loss provision to net charge-offs | 766.6667% | 508 |
| Earnings coverage of net charge-offs (x) | 82.3810% | 1,076 |
| Efficiency ratio | 64.2783% | 2,459 |
| Assets per employee ($millions) | 4.7071% | 3,888 |
| Cash dividends to net income (ytd only)* | 11.4309% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4450% | 1,356 |
| Loan loss allowance to noncurrent loans | 78.2836% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 1.1387% | 341 |
| Noncurrent loans to loans | 1.8459% | 319 |
| Net loans and leases to total assets | 60.8000% | 2,573 |
| Net loans and leases to deposits | 68.7843% | 2,680 |
| Net loans and leases to core deposits | 70.4096% | 2,846 |
| Total domestic deposits to total assets | 88.3900% | 1,935 |
| Equity capital to assets | 10.6682% | 1,387 |
| Core capital (leverage) ratio | 13.1998% | 888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5475% | 446 |
| Memoranda: | ||
| Average total assets | $118,816,000 | 3,743 |
| Average earning assets | $111,597,800 | 3,706 |
| Average equity | $12,948,000 | 3,579 |
| Average total loans | $70,005,800 | 3,577 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7718% | 1,831 |
| Cost of funding earning assets | 0.2237% | 3,006 |
| Net interest margin | 3.5481% | 1,529 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 2.5837% | 1,752 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.0221% | 2,398 |
| Return on assets (ROA) | 1.0221% | 2,373 |
| Pretax return on assets | 1.2885% | 2,088 |
| Return on Equity (ROE) | 9.3300% | 2,928 |
| Retained earnings to average equity (ytd only) | 8.4618% | 1,830 |
| Net charge-offs to loans | 0.0250% | 1,325 |
| Credit loss provision to net charge-offs | 323.0769% | 783 |
| Earnings coverage of net charge-offs (x) | 91.7692% | 986 |
| Efficiency ratio | 65.9240% | 2,290 |
| Assets per employee ($millions) | 4.9418% | 3,724 |
| Cash dividends to net income (ytd only)* | 9.3100% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 2,019 |
| Loan loss allowance to noncurrent loans | 77.7133% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.0177% | 441 |
| Noncurrent loans to loans | 1.6747% | 395 |
| Net loans and leases to total assets | 59.9800% | 2,503 |
| Net loans and leases to deposits | 67.1823% | 2,616 |
| Net loans and leases to core deposits | 68.9637% | 2,726 |
| Total domestic deposits to total assets | 89.2800% | 1,970 |
| Equity capital to assets | 9.7874% | 1,732 |
| Core capital (leverage) ratio | 12.7712% | 974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8050% | 503 |
| Memoranda: | ||
| Average total assets | $119,100,750 | 3,764 |
| Average earning assets | $112,057,000 | 3,727 |
| Average equity | $13,046,500 | 3,608 |
| Average total loans | $69,358,500 | 3,601 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6500% | 1,684 |
| Cost of funding earning assets | 0.2098% | 2,781 |
| Net interest margin | 3.4402% | 1,480 |
| Noninterest income to average assets | 0.5601% | 1,904 |
| Noninterest expense to average assets | 2.5422% | 1,804 |
| Loan and lease loss provision to assets | 0.0470% | 1,725 |
| Net operating income to assets | 0.9676% | 2,281 |
| Return on assets (ROA) | 0.9676% | 2,253 |
| Pretax return on assets | 1.2158% | 2,022 |
| Return on Equity (ROE) | 8.5317% | 2,856 |
| Retained earnings to average equity (ytd only) | 7.2749% | 1,887 |
| Net charge-offs to loans | 0.0175% | 1,391 |
| Credit loss provision to net charge-offs | 466.6667% | 651 |
| Earnings coverage of net charge-offs (x) | 125.5000% | 717 |
| Efficiency ratio | 66.8136% | 2,401 |
| Assets per employee ($millions) | 4.9127% | 3,747 |
| Cash dividends to net income (ytd only)* | 14.7314% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3153% | 2,117 |
| Loan loss allowance to noncurrent loans | 67.6107% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.1679% | 367 |
| Noncurrent loans to loans | 1.9455% | 336 |
| Net loans and leases to total assets | 59.2418% | 2,415 |
| Net loans and leases to deposits | 66.9090% | 2,476 |
| Net loans and leases to core deposits | 68.7037% | 2,589 |
| Total domestic deposits to total assets | 88.5408% | 2,366 |
| Equity capital to assets | 10.5348% | 1,412 |
| Core capital (leverage) ratio | 12.5734% | 950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1310% | 470 |
| Memoranda: | ||
| Average total assets | $119,267,000 | 3,807 |
| Average earning assets | $112,494,333 | 3,780 |
| Average equity | $13,526,000 | 3,630 |
| Average total loans | $68,454,000 | 3,644 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4690% | 1,900 |
| Cost of funding earning assets | 0.2078% | 2,693 |
| Net interest margin | 3.2612% | 1,680 |
| Noninterest income to average assets | 0.5402% | 1,949 |
| Noninterest expense to average assets | 2.6178% | 1,562 |
| Loan and lease loss provision to assets | 0.0467% | 1,528 |
| Net operating income to assets | 0.7770% | 2,740 |
| Return on assets (ROA) | 0.7770% | 2,735 |
| Pretax return on assets | 0.9638% | 2,563 |
| Return on Equity (ROE) | 6.6200% | 3,151 |
| Retained earnings to average equity (ytd only) | 6.6200% | 2,022 |
| Net charge-offs to loans | 0.0535% | 753 |
| Credit loss provision to net charge-offs | 155.5556% | 853 |
| Earnings coverage of net charge-offs (x) | 33.6667% | 1,080 |
| Efficiency ratio | 72.1507% | 1,957 |
| Assets per employee ($millions) | 4.4416% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 2,161 |
| Loan loss allowance to noncurrent loans | 72.8868% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.0457% | 471 |
| Noncurrent loans to loans | 1.8383% | 410 |
| Net loans and leases to total assets | 56.1223% | 2,516 |
| Net loans and leases to deposits | 63.8276% | 2,546 |
| Net loans and leases to core deposits | 65.5285% | 2,671 |
| Total domestic deposits to total assets | 87.9280% | 2,557 |
| Equity capital to assets | 11.0572% | 1,305 |
| Core capital (leverage) ratio | 12.2581% | 981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0653% | 484 |
| Memoranda: | ||
| Average total assets | $119,948,000 | 3,820 |
| Average earning assets | $113,578,000 | 3,787 |
| Average equity | $14,078,500 | 3,648 |
| Average total loans | $67,291,000 | 3,671 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2110% | 974 |
| Cost of funding earning assets | 0.2810% | 2,591 |
| Net interest margin | 3.9300% | 810 |
| Noninterest income to average assets | 0.5011% | 2,562 |
| Noninterest expense to average assets | 2.7223% | 1,566 |
| Loan and lease loss provision to assets | 0.0432% | 2,191 |
| Net operating income to assets | 1.1583% | 2,069 |
| Return on assets (ROA) | 1.1583% | 2,129 |
| Pretax return on assets | 1.4494% | 1,881 |
| Return on Equity (ROE) | 8.9895% | 2,915 |
| Retained earnings to average equity (ytd only) | 6.9424% | 1,938 |
| Net charge-offs to loans | 0.1213% | 745 |
| Credit loss provision to net charge-offs | 64.4737% | 2,038 |
| Earnings coverage of net charge-offs (x) | 22.2632% | 1,801 |
| Efficiency ratio | 64.5877% | 2,466 |
| Assets per employee ($millions) | 4.4435% | 4,155 |
| Cash dividends to net income (ytd only)* | 22.7723% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3697% | 2,049 |
| Loan loss allowance to noncurrent loans | 80.9439% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 0.9360% | 610 |
| Noncurrent loans to loans | 1.6922% | 506 |
| Net loans and leases to total assets | 54.5585% | 2,784 |
| Net loans and leases to deposits | 63.3153% | 2,751 |
| Net loans and leases to core deposits | 65.0326% | 2,898 |
| Total domestic deposits to total assets | 86.1695% | 2,849 |
| Equity capital to assets | 12.4169% | 1,089 |
| Core capital (leverage) ratio | 12.3304% | 980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1324% | 487 |
| Memoranda: | ||
| Average total assets | $113,359,200 | 3,863 |
| Average earning assets | $107,123,800 | 3,834 |
| Average equity | $14,606,000 | 3,678 |
| Average total loans | $62,669,800 | 3,776 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4500% | 740 |
| Cost of funding earning assets | 0.2960% | 2,631 |
| Net interest margin | 4.1540% | 594 |
| Noninterest income to average assets | 0.5861% | 2,269 |
| Noninterest expense to average assets | 2.7154% | 1,551 |
| Loan and lease loss provision to assets | 0.0492% | 2,013 |
| Net operating income to assets | 1.3786% | 1,606 |
| Return on assets (ROA) | 1.3786% | 1,664 |
| Pretax return on assets | 1.7414% | 1,305 |
| Return on Equity (ROE) | 10.5961% | 2,523 |
| Retained earnings to average equity (ytd only) | 8.3852% | 1,921 |
| Net charge-offs to loans | 0.0432% | 1,243 |
| Credit loss provision to net charge-offs | 205.0000% | 1,191 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 1,018 |
| Efficiency ratio | 60.2649% | 2,948 |
| Assets per employee ($millions) | 4.4127% | 4,179 |
| Cash dividends to net income (ytd only)* | 20.8658% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4483% | 1,824 |
| Loan loss allowance to noncurrent loans | 161.6554% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.5936% | 1,289 |
| Noncurrent loans to loans | 0.8959% | 1,287 |
| Net loans and leases to total assets | 56.7580% | 2,643 |
| Net loans and leases to deposits | 66.8662% | 2,554 |
| Net loans and leases to core deposits | 68.6077% | 2,723 |
| Total domestic deposits to total assets | 84.8829% | 3,155 |
| Equity capital to assets | 13.0165% | 973 |
| Core capital (leverage) ratio | 12.4889% | 982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3132% | 513 |
| Memoranda: | ||
| Average total assets | $111,705,500 | 3,928 |
| Average earning assets | $105,405,000 | 3,897 |
| Average equity | $14,533,250 | 3,734 |
| Average total loans | $61,746,000 | 3,842 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7254% | 514 |
| Cost of funding earning assets | 0.3123% | 2,658 |
| Net interest margin | 4.4131% | 408 |
| Noninterest income to average assets | 0.5908% | 2,263 |
| Noninterest expense to average assets | 2.6559% | 1,703 |
| Loan and lease loss provision to assets | 0.0596% | 1,839 |
| Net operating income to assets | 1.5411% | 1,187 |
| Return on assets (ROA) | 1.5411% | 1,252 |
| Pretax return on assets | 2.0362% | 775 |
| Return on Equity (ROE) | 11.8475% | 2,123 |
| Retained earnings to average equity (ytd only) | 8.5002% | 1,892 |
| Net charge-offs to loans | -0.0265% | 4,108 |
| Credit loss provision to net charge-offs | -412.5000% | 3,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8935% | 3,553 |
| Assets per employee ($millions) | 4.4064% | 4,176 |
| Cash dividends to net income (ytd only)* | 28.2532% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5676% | 1,364 |
| Loan loss allowance to noncurrent loans | 156.8218% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.8816% | 885 |
| Noncurrent loans to loans | 0.9996% | 1,231 |
| Net loans and leases to total assets | 53.5482% | 3,185 |
| Net loans and leases to deposits | 63.2024% | 3,084 |
| Net loans and leases to core deposits | 64.8485% | 3,203 |
| Total domestic deposits to total assets | 84.7250% | 3,208 |
| Equity capital to assets | 12.8048% | 1,014 |
| Core capital (leverage) ratio | 12.4524% | 944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4193% | 461 |
| Memoranda: | ||
| Average total assets | $110,697,000 | 3,955 |
| Average earning assets | $104,372,000 | 3,927 |
| Average equity | $14,399,667 | 3,752 |
| Average total loans | $60,302,667 | 3,893 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9315% | 1,753 |
| Cost of funding earning assets | 0.3322% | 2,688 |
| Net interest margin | 3.5993% | 1,591 |
| Noninterest income to average assets | 0.5848% | 2,275 |
| Noninterest expense to average assets | 2.6627% | 1,709 |
| Loan and lease loss provision to assets | 0.0662% | 1,822 |
| Net operating income to assets | 0.9709% | 2,904 |
| Return on assets (ROA) | 0.9709% | 2,997 |
| Pretax return on assets | 1.2431% | 2,726 |
| Return on Equity (ROE) | 7.4030% | 3,498 |
| Retained earnings to average equity (ytd only) | 5.7766% | 2,975 |
| Net charge-offs to loans | -0.0607% | 4,471 |
| Credit loss provision to net charge-offs | -200.0000% | 2,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0370% | 2,077 |
| Assets per employee ($millions) | 4.3031% | 4,270 |
| Cash dividends to net income (ytd only)* | 21.9697% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6090% | 1,267 |
| Loan loss allowance to noncurrent loans | 143.0906% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.9859% | 839 |
| Noncurrent loans to loans | 1.1245% | 1,193 |
| Net loans and leases to total assets | 52.6327% | 3,382 |
| Net loans and leases to deposits | 62.3264% | 3,290 |
| Net loans and leases to core deposits | 63.9884% | 3,414 |
| Total domestic deposits to total assets | 84.4469% | 3,301 |
| Equity capital to assets | 12.6778% | 999 |
| Core capital (leverage) ratio | 12.6210% | 950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3691% | 437 |
| Memoranda: | ||
| Average total assets | $108,762,500 | 3,983 |
| Average earning assets | $102,354,000 | 3,954 |
| Average equity | $14,264,500 | 3,771 |
| Average total loans | $59,291,500 | 3,927 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2828% | 1,919 |
| Cost of funding earning assets | 0.4938% | 2,986 |
| Net interest margin | 3.7890% | 1,532 |
| Noninterest income to average assets | 0.6224% | 2,129 |
| Noninterest expense to average assets | 3.0849% | 1,263 |
| Loan and lease loss provision to assets | 0.0967% | 3,141 |
| Net operating income to assets | 0.8581% | 2,871 |
| Return on assets (ROA) | 0.8581% | 3,007 |
| Pretax return on assets | 0.9800% | 3,105 |
| Return on Equity (ROE) | 6.0327% | 3,579 |
| Retained earnings to average equity (ytd only) | 1.5365% | 4,018 |
| Net charge-offs to loans | 0.0302% | 2,425 |
| Credit loss provision to net charge-offs | 564.7059% | 1,154 |
| Earnings coverage of net charge-offs (x) | 62.8824% | 1,045 |
| Efficiency ratio | 74.1288% | 1,425 |
| Assets per employee ($millions) | 4.2258% | 4,199 |
| Cash dividends to net income (ytd only)* | 74.5305% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5936% | 1,315 |
| Loan loss allowance to noncurrent loans | 166.5480% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.9390% | 1,029 |
| Noncurrent loans to loans | 0.9569% | 1,477 |
| Net loans and leases to total assets | 54.7102% | 3,421 |
| Net loans and leases to deposits | 65.8127% | 3,292 |
| Net loans and leases to core deposits | 67.5013% | 3,440 |
| Total domestic deposits to total assets | 83.1301% | 3,372 |
| Equity capital to assets | 13.5786% | 907 |
| Core capital (leverage) ratio | 12.9698% | 904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0709% | 432 |
| Memoranda: | ||
| Average total assets | $99,289,200 | 4,008 |
| Average earning assets | $92,742,400 | 3,988 |
| Average equity | $14,123,000 | 3,743 |
| Average total loans | $56,227,000 | 3,978 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3125% | 2,058 |
| Cost of funding earning assets | 0.5266% | 3,065 |
| Net interest margin | 3.7859% | 1,659 |
| Noninterest income to average assets | 0.6250% | 2,085 |
| Noninterest expense to average assets | 3.1087% | 1,224 |
| Loan and lease loss provision to assets | 0.0972% | 3,107 |
| Net operating income to assets | 0.8256% | 2,997 |
| Return on assets (ROA) | 0.8256% | 3,123 |
| Pretax return on assets | 0.9512% | 3,230 |
| Return on Equity (ROE) | 5.7341% | 3,646 |
| Retained earnings to average equity (ytd only) | 2.5306% | 3,722 |
| Net charge-offs to loans | 0.0456% | 1,971 |
| Credit loss provision to net charge-offs | 373.6842% | 1,539 |
| Earnings coverage of net charge-offs (x) | 40.4211% | 1,353 |
| Efficiency ratio | 74.7866% | 1,328 |
| Assets per employee ($millions) | 3.8544% | 4,438 |
| Cash dividends to net income (ytd only)* | 55.8678% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6055% | 1,086 |
| Loan loss allowance to noncurrent loans | 122.8378% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 1.1675% | 878 |
| Noncurrent loans to loans | 1.3070% | 1,129 |
| Net loans and leases to total assets | 55.5890% | 3,658 |
| Net loans and leases to deposits | 67.9167% | 3,473 |
| Net loans and leases to core deposits | 69.7501% | 3,637 |
| Total domestic deposits to total assets | 81.8488% | 3,461 |
| Equity capital to assets | 14.3742% | 767 |
| Core capital (leverage) ratio | 13.4884% | 840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7661% | 420 |
| Memoranda: | ||
| Average total assets | $97,700,500 | 4,023 |
| Average earning assets | $91,143,500 | 4,007 |
| Average equity | $14,067,500 | 3,756 |
| Average total loans | $55,600,250 | 4,009 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3677% | 2,288 |
| Cost of funding earning assets | 0.5532% | 3,218 |
| Net interest margin | 3.8145% | 1,798 |
| Noninterest income to average assets | 0.6070% | 2,102 |
| Noninterest expense to average assets | 3.1219% | 1,307 |
| Loan and lease loss provision to assets | 0.0929% | 3,108 |
| Net operating income to assets | 0.8259% | 2,954 |
| Return on assets (ROA) | 0.8259% | 3,068 |
| Pretax return on assets | 0.9519% | 3,172 |
| Return on Equity (ROE) | 5.7327% | 3,597 |
| Retained earnings to average equity (ytd only) | 4.5432% | 2,685 |
| Net charge-offs to loans | 0.0362% | 2,011 |
| Credit loss provision to net charge-offs | 450.0000% | 1,300 |
| Earnings coverage of net charge-offs (x) | 50.6000% | 1,096 |
| Efficiency ratio | 74.9257% | 1,375 |
| Assets per employee ($millions) | 3.8617% | 4,426 |
| Cash dividends to net income (ytd only)* | 20.7500% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5756% | 1,065 |
| Loan loss allowance to noncurrent loans | 90.0101% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 1.4153% | 684 |
| Noncurrent loans to loans | 1.7505% | 815 |
| Net loans and leases to total assets | 55.4958% | 3,730 |
| Net loans and leases to deposits | 68.5262% | 3,522 |
| Net loans and leases to core deposits | 70.3846% | 3,669 |
| Total domestic deposits to total assets | 80.9848% | 3,612 |
| Equity capital to assets | 14.3600% | 764 |
| Core capital (leverage) ratio | 13.7554% | 807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1108% | 396 |
| Memoranda: | ||
| Average total assets | $96,862,667 | 4,038 |
| Average earning assets | $90,391,333 | 4,020 |
| Average equity | $13,955,000 | 3,772 |
| Average total loans | $55,261,333 | 4,031 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4567% | 2,430 |
| Cost of funding earning assets | 0.5909% | 3,481 |
| Net interest margin | 3.8658% | 1,776 |
| Noninterest income to average assets | 0.6730% | 1,760 |
| Noninterest expense to average assets | 3.2937% | 1,239 |
| Loan and lease loss provision to assets | 0.0841% | 2,641 |
| Net operating income to assets | 0.7824% | 2,967 |
| Return on assets (ROA) | 0.7824% | 3,048 |
| Pretax return on assets | 0.9002% | 3,142 |
| Return on Equity (ROE) | 5.4214% | 3,502 |
| Retained earnings to average equity (ytd only) | 4.6635% | 2,433 |
| Net charge-offs to loans | 0.0293% | 1,795 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 58.5000% | 816 |
| Efficiency ratio | 76.9912% | 1,456 |
| Assets per employee ($millions) | 3.4930% | 4,486 |
| Cash dividends to net income (ytd only)* | 13.9785% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5927% | 1,089 |
| Loan loss allowance to noncurrent loans | 118.7755% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 1.2353% | 981 |
| Noncurrent loans to loans | 1.3409% | 1,206 |
| Net loans and leases to total assets | 57.1927% | 3,735 |
| Net loans and leases to deposits | 70.9864% | 3,511 |
| Net loans and leases to core deposits | 73.0425% | 3,692 |
| Total domestic deposits to total assets | 80.5685% | 3,751 |
| Equity capital to assets | 14.6229% | 857 |
| Core capital (leverage) ratio | 14.0868% | 888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7936% | 401 |
| Memoranda: | ||
| Average total assets | $95,092,000 | 4,057 |
| Average earning assets | $88,676,000 | 4,042 |
| Average equity | $13,723,500 | 3,807 |
| Average total loans | $54,586,000 | 4,060 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5469% | 2,790 |
| Cost of funding earning assets | 0.6193% | 3,562 |
| Net interest margin | 3.9276% | 2,077 |
| Noninterest income to average assets | 0.7628% | 1,572 |
| Noninterest expense to average assets | 3.1705% | 1,591 |
| Loan and lease loss provision to assets | 0.0702% | 2,596 |
| Net operating income to assets | 1.0331% | 2,722 |
| Return on assets (ROA) | 1.0331% | 2,813 |
| Pretax return on assets | 1.1725% | 2,939 |
| Return on Equity (ROE) | 7.3072% | 3,443 |
| Retained earnings to average equity (ytd only) | 3.1682% | 3,435 |
| Net charge-offs to loans | 0.1814% | 1,107 |
| Credit loss provision to net charge-offs | 66.6667% | 2,952 |
| Earnings coverage of net charge-offs (x) | 11.7980% | 2,462 |
| Efficiency ratio | 71.8419% | 1,891 |
| Assets per employee ($millions) | 3.4240% | 4,547 |
| Cash dividends to net income (ytd only)* | 56.6426% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5765% | 1,030 |
| Loan loss allowance to noncurrent loans | 113.0607% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 1.2391% | 923 |
| Noncurrent loans to loans | 1.3944% | 1,050 |
| Net loans and leases to total assets | 55.8061% | 3,934 |
| Net loans and leases to deposits | 70.4339% | 3,634 |
| Net loans and leases to core deposits | 72.1736% | 3,850 |
| Total domestic deposits to total assets | 79.2319% | 4,141 |
| Equity capital to assets | 14.2438% | 1,022 |
| Core capital (leverage) ratio | 13.9088% | 952 |
| Tier 1 risk-based capital ratio | 23.5170% | 863 |
| Total risk-based capital ratio | 24.7698% | 850 |
| Memoranda: | ||
| Average total assets | $93,990,600 | 4,085 |
| Average earning assets | $87,356,600 | 4,077 |
| Average equity | $13,288,200 | 3,857 |
| Average total loans | $54,566,400 | 4,088 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5297% | 2,964 |
| Cost of funding earning assets | 0.6173% | 3,599 |
| Net interest margin | 3.9125% | 2,210 |
| Noninterest income to average assets | 0.7670% | 1,532 |
| Noninterest expense to average assets | 3.2106% | 1,448 |
| Loan and lease loss provision to assets | 0.0713% | 2,451 |
| Net operating income to assets | 0.9709% | 3,079 |
| Return on assets (ROA) | 0.9709% | 3,160 |
| Pretax return on assets | 1.1177% | 3,253 |
| Return on Equity (ROE) | 6.8806% | 3,731 |
| Retained earnings to average equity (ytd only) | 4.4961% | 3,146 |
| Net charge-offs to loans | 0.1318% | 1,206 |
| Credit loss provision to net charge-offs | 92.5926% | 2,369 |
| Earnings coverage of net charge-offs (x) | 15.4440% | 2,181 |
| Efficiency ratio | 72.9747% | 1,701 |
| Assets per employee ($millions) | 3.4797% | 4,516 |
| Cash dividends to net income (ytd only)* | 34.6549% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5814% | 1,026 |
| Loan loss allowance to noncurrent loans | 74.9577% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.2730% | 963 |
| Noncurrent loans to loans | 2.1097% | 628 |
| Net loans and leases to total assets | 58.6895% | 3,811 |
| Net loans and leases to deposits | 74.6325% | 3,422 |
| Net loans and leases to core deposits | 76.9295% | 3,634 |
| Total domestic deposits to total assets | 78.6380% | 4,239 |
| Equity capital to assets | 14.6426% | 941 |
| Core capital (leverage) ratio | 14.2874% | 910 |
| Tier 1 risk-based capital ratio | 23.5897% | 886 |
| Total risk-based capital ratio | 24.8423% | 868 |
| Memoranda: | ||
| Average total assets | $93,520,000 | 4,142 |
| Average earning assets | $86,831,750 | 4,135 |
| Average equity | $13,196,250 | 3,908 |
| Average total loans | $54,618,000 | 4,133 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4693% | 3,111 |
| Cost of funding earning assets | 0.6102% | 3,602 |
| Net interest margin | 3.8592% | 2,373 |
| Noninterest income to average assets | 0.7625% | 1,470 |
| Noninterest expense to average assets | 3.2064% | 1,491 |
| Loan and lease loss provision to assets | 0.0707% | 2,404 |
| Net operating income to assets | 0.9339% | 3,154 |
| Return on assets (ROA) | 0.9339% | 3,212 |
| Pretax return on assets | 1.0752% | 3,309 |
| Return on Equity (ROE) | 6.7029% | 3,789 |
| Retained earnings to average equity (ytd only) | 3.0747% | 3,682 |
| Net charge-offs to loans | 0.1182% | 1,247 |
| Credit loss provision to net charge-offs | 103.1250% | 1,920 |
| Earnings coverage of net charge-offs (x) | 16.7188% | 1,922 |
| Efficiency ratio | 73.6713% | 1,677 |
| Assets per employee ($millions) | 3.3380% | 4,669 |
| Cash dividends to net income (ytd only)* | 54.1284% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6337% | 957 |
| Loan loss allowance to noncurrent loans | 80.4878% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 1.3214% | 948 |
| Noncurrent loans to loans | 2.0297% | 695 |
| Net loans and leases to total assets | 57.4013% | 3,971 |
| Net loans and leases to deposits | 73.0684% | 3,589 |
| Net loans and leases to core deposits | 75.3190% | 3,785 |
| Total domestic deposits to total assets | 78.5584% | 4,305 |
| Equity capital to assets | 14.3319% | 1,003 |
| Core capital (leverage) ratio | 14.0947% | 940 |
| Tier 1 risk-based capital ratio | 23.4989% | 896 |
| Total risk-based capital ratio | 24.7539% | 873 |
| Memoranda: | ||
| Average total assets | $93,376,000 | 4,165 |
| Average earning assets | $86,858,330 | 4,154 |
| Average equity | $13,009,330 | 3,935 |
| Average total loans | $54,148,670 | 4,172 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4011% | 3,226 |
| Cost of funding earning assets | 0.5933% | 3,610 |
| Net interest margin | 3.8079% | 2,499 |
| Noninterest income to average assets | 0.7286% | 1,515 |
| Noninterest expense to average assets | 3.2572% | 1,371 |
| Loan and lease loss provision to assets | 0.0729% | 2,214 |
| Net operating income to assets | 0.8400% | 3,484 |
| Return on assets (ROA) | 0.8400% | 3,525 |
| Pretax return on assets | 0.9472% | 3,623 |
| Return on Equity (ROE) | 6.1171% | 3,980 |
| Retained earnings to average equity (ytd only) | 0.7490% | 4,375 |
| Net charge-offs to loans | 0.0297% | 1,864 |
| Credit loss provision to net charge-offs | 425.0000% | 670 |
| Earnings coverage of net charge-offs (x) | 59.5000% | 922 |
| Efficiency ratio | 76.1523% | 1,482 |
| Assets per employee ($millions) | 3.3060% | 4,738 |
| Cash dividends to net income (ytd only)* | 87.7551% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6590% | 943 |
| Loan loss allowance to noncurrent loans | 55.7478% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 1.7479% | 617 |
| Noncurrent loans to loans | 2.9759% | 372 |
| Net loans and leases to total assets | 57.7608% | 3,915 |
| Net loans and leases to deposits | 73.3866% | 3,500 |
| Net loans and leases to core deposits | 75.6566% | 3,681 |
| Total domestic deposits to total assets | 78.7075% | 4,399 |
| Equity capital to assets | 14.0340% | 1,027 |
| Core capital (leverage) ratio | 13.8804% | 982 |
| Tier 1 risk-based capital ratio | 24.7889% | 772 |
| Total risk-based capital ratio | 26.0460% | 762 |
| Memoranda: | ||
| Average total assets | $93,332,500 | 4,213 |
| Average earning assets | $86,977,500 | 4,202 |
| Average equity | $12,816,500 | 3,970 |
| Average total loans | $53,953,000 | 4,213 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3565% | 2,907 |
| Cost of funding earning assets | 0.5415% | 3,101 |
| Net interest margin | 3.8149% | 2,616 |
| Noninterest income to average assets | 0.7359% | 1,704 |
| Noninterest expense to average assets | 3.3978% | 1,154 |
| Loan and lease loss provision to assets | 0.0311% | 3,563 |
| Net operating income to assets | 0.8216% | 3,724 |
| Return on assets (ROA) | 0.8216% | 3,725 |
| Pretax return on assets | 0.8612% | 4,004 |
| Return on Equity (ROE) | 6.2663% | 4,079 |
| Retained earnings to average equity (ytd only) | 4.8775% | 2,842 |
| Net charge-offs to loans | 0.0578% | 2,311 |
| Credit loss provision to net charge-offs | 96.6667% | 2,614 |
| Earnings coverage of net charge-offs (x) | 27.7667% | 1,677 |
| Efficiency ratio | 79.2010% | 1,022 |
| Assets per employee ($millions) | 3.3606% | 4,698 |
| Cash dividends to net income (ytd only)* | 22.1643% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6624% | 897 |
| Loan loss allowance to noncurrent loans | 63.9368% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 1.5697% | 731 |
| Noncurrent loans to loans | 2.6001% | 455 |
| Net loans and leases to total assets | 55.9486% | 4,138 |
| Net loans and leases to deposits | 70.6042% | 3,784 |
| Net loans and leases to core deposits | 72.7275% | 3,940 |
| Total domestic deposits to total assets | 79.2427% | 4,259 |
| Equity capital to assets | 13.4351% | 1,168 |
| Core capital (leverage) ratio | 13.7241% | 1,000 |
| Tier 1 risk-based capital ratio | 24.5344% | 779 |
| Total risk-based capital ratio | 25.7906% | 758 |
| Memoranda: | ||
| Average total assets | $93,354,000 | 4,213 |
| Average earning assets | $86,973,800 | 4,204 |
| Average equity | $12,240,000 | 3,995 |
| Average total loans | $51,924,400 | 4,270 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2971% | 2,979 |
| Cost of funding earning assets | 0.5198% | 3,064 |
| Net interest margin | 3.7772% | 2,725 |
| Noninterest income to average assets | 0.7313% | 1,747 |
| Noninterest expense to average assets | 3.5133% | 968 |
| Loan and lease loss provision to assets | 0.0315% | 3,387 |
| Net operating income to assets | 0.6583% | 4,342 |
| Return on assets (ROA) | 0.6583% | 4,359 |
| Pretax return on assets | 0.7012% | 4,532 |
| Return on Equity (ROE) | 5.0523% | 4,541 |
| Retained earnings to average equity (ytd only) | 3.8441% | 3,857 |
| Net charge-offs to loans | 0.0595% | 1,973 |
| Credit loss provision to net charge-offs | 95.6522% | 2,354 |
| Earnings coverage of net charge-offs (x) | 22.2579% | 1,887 |
| Efficiency ratio | 82.7435% | 723 |
| Assets per employee ($millions) | 3.1869% | 4,896 |
| Cash dividends to net income (ytd only)* | 23.9125% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6769% | 913 |
| Loan loss allowance to noncurrent loans | 55.9748% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 1.8124% | 636 |
| Noncurrent loans to loans | 2.9958% | 366 |
| Net loans and leases to total assets | 56.4644% | 4,173 |
| Net loans and leases to deposits | 71.1355% | 3,838 |
| Net loans and leases to core deposits | 73.5777% | 3,975 |
| Total domestic deposits to total assets | 79.3759% | 4,237 |
| Equity capital to assets | 13.0674% | 1,304 |
| Core capital (leverage) ratio | 13.6048% | 1,059 |
| Tier 1 risk-based capital ratio | 24.1721% | 828 |
| Total risk-based capital ratio | 25.4284% | 804 |
| Memoranda: | ||
| Average total assets | $93,168,250 | 4,259 |
| Average earning assets | $86,692,250 | 4,255 |
| Average equity | $12,139,500 | 4,040 |
| Average total loans | $51,521,500 | 4,328 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2096% | 3,087 |
| Cost of funding earning assets | 0.4619% | 3,273 |
| Net interest margin | 3.7478% | 2,760 |
| Noninterest income to average assets | 0.7258% | 1,762 |
| Noninterest expense to average assets | 3.4790% | 1,024 |
| Loan and lease loss provision to assets | 0.0321% | 3,270 |
| Net operating income to assets | 0.6658% | 4,302 |
| Return on assets (ROA) | 0.6658% | 4,306 |
| Pretax return on assets | 0.7065% | 4,492 |
| Return on Equity (ROE) | 5.1150% | 4,521 |
| Retained earnings to average equity (ytd only) | 3.3058% | 3,922 |
| Net charge-offs to loans | -0.0196% | 4,562 |
| Credit loss provision to net charge-offs | -300.0000% | 4,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4873% | 801 |
| Assets per employee ($millions) | 3.1732% | 4,956 |
| Cash dividends to net income (ytd only)* | 35.3698% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8000% | 751 |
| Loan loss allowance to noncurrent loans | 55.6846% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 1.7778% | 664 |
| Noncurrent loans to loans | 3.2325% | 325 |
| Net loans and leases to total assets | 54.0077% | 4,336 |
| Net loans and leases to deposits | 67.2458% | 4,079 |
| Net loans and leases to core deposits | 69.2384% | 4,190 |
| Total domestic deposits to total assets | 80.3138% | 4,174 |
| Equity capital to assets | 13.1759% | 1,234 |
| Core capital (leverage) ratio | 13.4121% | 1,093 |
| Tier 1 risk-based capital ratio | 24.5121% | 787 |
| Total risk-based capital ratio | 25.7698% | 760 |
| Memoranda: | ||
| Average total assets | $93,417,330 | 4,287 |
| Average earning assets | $87,038,670 | 4,275 |
| Average equity | $12,160,330 | 4,065 |
| Average total loans | $51,003,670 | 4,376 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1296% | 3,129 |
| Cost of funding earning assets | 0.4371% | 3,313 |
| Net interest margin | 3.6925% | 2,828 |
| Noninterest income to average assets | 0.7183% | 1,752 |
| Noninterest expense to average assets | 3.6296% | 841 |
| Loan and lease loss provision to assets | 0.0298% | 3,119 |
| Net operating income to assets | 0.5143% | 4,655 |
| Return on assets (ROA) | 0.5143% | 4,655 |
| Pretax return on assets | 0.5058% | 4,860 |
| Return on Equity (ROE) | 3.9744% | 4,767 |
| Retained earnings to average equity (ytd only) | 2.2335% | 4,274 |
| Net charge-offs to loans | 0.0234% | 2,036 |
| Credit loss provision to net charge-offs | 233.3333% | 950 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 1,041 |
| Efficiency ratio | 87.1429% | 577 |
| Assets per employee ($millions) | 3.1402% | 5,054 |
| Cash dividends to net income (ytd only)* | 43.8017% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7585% | 852 |
| Loan loss allowance to noncurrent loans | 61.4276% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.5466% | 884 |
| Noncurrent loans to loans | 2.8626% | 434 |
| Net loans and leases to total assets | 53.0779% | 4,363 |
| Net loans and leases to deposits | 65.6341% | 4,113 |
| Net loans and leases to core deposits | 67.7956% | 4,229 |
| Total domestic deposits to total assets | 80.8694% | 4,232 |
| Equity capital to assets | 12.7679% | 1,351 |
| Core capital (leverage) ratio | 13.2149% | 1,102 |
| Tier 1 risk-based capital ratio | 24.0011% | 840 |
| Total risk-based capital ratio | 25.2575% | 817 |
| Memoranda: | ||
| Average total assets | $94,114,000 | 4,322 |
| Average earning assets | $87,853,500 | 4,304 |
| Average equity | $12,178,000 | 4,090 |
| Average total loans | $51,200,000 | 4,415 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1349% | 2,931 |
| Cost of funding earning assets | 0.4076% | 3,183 |
| Net interest margin | 3.7272% | 2,684 |
| Noninterest income to average assets | 0.7913% | 1,601 |
| Noninterest expense to average assets | 3.4554% | 1,119 |
| Loan and lease loss provision to assets | 0.0321% | 3,629 |
| Net operating income to assets | 0.5664% | 4,158 |
| Return on assets (ROA) | 0.5664% | 4,192 |
| Pretax return on assets | 0.7699% | 4,336 |
| Return on Equity (ROE) | 4.2695% | 4,417 |
| Retained earnings to average equity (ytd only) | -0.0161% | 5,024 |
| Net charge-offs to loans | 0.0161% | 3,555 |
| Credit loss provision to net charge-offs | 375.0000% | 798 |
| Earnings coverage of net charge-offs (x) | 93.6250% | 676 |
| Efficiency ratio | 81.1620% | 993 |
| Assets per employee ($millions) | 2.9382% | 5,241 |
| Cash dividends to net income (ytd only)* | 100.3781% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7300% | 891 |
| Loan loss allowance to noncurrent loans | 54.8645% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 1.7272% | 732 |
| Noncurrent loans to loans | 3.1532% | 341 |
| Net loans and leases to total assets | 53.8294% | 4,382 |
| Net loans and leases to deposits | 66.1534% | 4,180 |
| Net loans and leases to core deposits | 68.5502% | 4,258 |
| Total domestic deposits to total assets | 81.3705% | 4,031 |
| Equity capital to assets | 13.1117% | 1,212 |
| Core capital (leverage) ratio | 13.0447% | 1,129 |
| Tier 1 risk-based capital ratio | 23.8039% | 832 |
| Total risk-based capital ratio | 25.0608% | 815 |
| Memoranda: | ||
| Average total assets | $93,390,200 | 4,361 |
| Average earning assets | $86,847,000 | 4,351 |
| Average equity | $12,390,200 | 4,072 |
| Average total loans | $49,729,800 | 4,463 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1380% | 2,843 |
| Cost of funding earning assets | 0.4021% | 3,167 |
| Net interest margin | 3.7360% | 2,634 |
| Noninterest income to average assets | 0.7980% | 1,605 |
| Noninterest expense to average assets | 3.5051% | 986 |
| Loan and lease loss provision to assets | 0.0357% | 3,399 |
| Net operating income to assets | 0.6350% | 4,249 |
| Return on assets (ROA) | 0.6350% | 4,310 |
| Pretax return on assets | 0.7251% | 4,543 |
| Return on Equity (ROE) | 4.7719% | 4,614 |
| Retained earnings to average equity (ytd only) | -0.3117% | 5,258 |
| Net charge-offs to loans | -0.0108% | 4,654 |
| Credit loss provision to net charge-offs | -625.0000% | 4,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1656% | 901 |
| Assets per employee ($millions) | 3.0100% | 5,261 |
| Cash dividends to net income (ytd only)* | 106.5305% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7927% | 864 |
| Loan loss allowance to noncurrent loans | 53.4884% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 1.7972% | 772 |
| Noncurrent loans to loans | 3.3516% | 339 |
| Net loans and leases to total assets | 52.6615% | 4,526 |
| Net loans and leases to deposits | 65.0546% | 4,318 |
| Net loans and leases to core deposits | 67.4356% | 4,387 |
| Total domestic deposits to total assets | 80.9497% | 4,058 |
| Equity capital to assets | 13.4679% | 1,177 |
| Core capital (leverage) ratio | 13.1002% | 1,173 |
| Tier 1 risk-based capital ratio | 24.0917% | 844 |
| Total risk-based capital ratio | 25.3488% | 821 |
| Memoranda: | ||
| Average total assets | $93,232,000 | 4,406 |
| Average earning assets | $86,544,250 | 4,396 |
| Average equity | $12,405,750 | 4,111 |
| Average total loans | $49,286,500 | 4,520 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0598% | 2,974 |
| Cost of funding earning assets | 0.3901% | 3,180 |
| Net interest margin | 3.6698% | 2,755 |
| Noninterest income to average assets | 0.8090% | 1,542 |
| Noninterest expense to average assets | 3.4419% | 1,094 |
| Loan and lease loss provision to assets | 0.0408% | 3,189 |
| Net operating income to assets | 0.6437% | 4,112 |
| Return on assets (ROA) | 0.6437% | 4,161 |
| Pretax return on assets | 0.7382% | 4,459 |
| Return on Equity (ROE) | 4.8575% | 4,530 |
| Retained earnings to average equity (ytd only) | -2.8012% | 5,414 |
| Net charge-offs to loans | -0.0653% | 5,275 |
| Credit loss provision to net charge-offs | -118.7500% | 4,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5455% | 1,050 |
| Assets per employee ($millions) | 3.1186% | 5,172 |
| Cash dividends to net income (ytd only)* | 157.6667% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7965% | 895 |
| Loan loss allowance to noncurrent loans | 52.8103% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 1.8256% | 753 |
| Noncurrent loans to loans | 3.4017% | 346 |
| Net loans and leases to total assets | 52.7031% | 4,507 |
| Net loans and leases to deposits | 64.5435% | 4,336 |
| Net loans and leases to core deposits | 67.1286% | 4,409 |
| Total domestic deposits to total assets | 81.6552% | 3,995 |
| Equity capital to assets | 13.3040% | 1,231 |
| Core capital (leverage) ratio | 12.9992% | 1,175 |
| Tier 1 risk-based capital ratio | 24.5748% | 800 |
| Total risk-based capital ratio | 25.8316% | 772 |
| Memoranda: | ||
| Average total assets | $93,205,670 | 4,434 |
| Average earning assets | $86,653,670 | 4,426 |
| Average equity | $12,352,000 | 4,134 |
| Average total loans | $49,036,670 | 4,552 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0729% | 2,759 |
| Cost of funding earning assets | 0.3934% | 3,061 |
| Net interest margin | 3.6795% | 2,565 |
| Noninterest income to average assets | 0.7353% | 1,803 |
| Noninterest expense to average assets | 3.5688% | 943 |
| Loan and lease loss provision to assets | 0.0387% | 3,025 |
| Net operating income to assets | 0.5160% | 4,534 |
| Return on assets (ROA) | 0.5160% | 4,565 |
| Pretax return on assets | 0.5461% | 4,848 |
| Return on Equity (ROE) | 3.9010% | 4,817 |
| Retained earnings to average equity (ytd only) | 3.9010% | 3,499 |
| Net charge-offs to loans | 0.0248% | 2,265 |
| Credit loss provision to net charge-offs | 300.0000% | 777 |
| Earnings coverage of net charge-offs (x) | 45.3333% | 949 |
| Efficiency ratio | 85.9213% | 808 |
| Assets per employee ($millions) | 3.2247% | 5,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8013% | 957 |
| Loan loss allowance to noncurrent loans | 71.0569% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 1.4361% | 1,149 |
| Noncurrent loans to loans | 2.5350% | 615 |
| Net loans and leases to total assets | 50.9506% | 4,596 |
| Net loans and leases to deposits | 61.5825% | 4,458 |
| Net loans and leases to core deposits | 64.5413% | 4,506 |
| Total domestic deposits to total assets | 82.7356% | 3,937 |
| Equity capital to assets | 13.3090% | 1,143 |
| Core capital (leverage) ratio | 13.4394% | 994 |
| Tier 1 risk-based capital ratio | 25.4873% | 734 |
| Total risk-based capital ratio | 26.7434% | 714 |
| Memoranda: | ||
| Average total assets | $93,029,500 | 4,480 |
| Average earning assets | $86,424,500 | 4,473 |
| Average equity | $12,304,500 | 4,162 |
| Average total loans | $48,450,000 | 4,609 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0692% | 2,954 |
| Cost of funding earning assets | 0.4420% | 2,599 |
| Net interest margin | 3.6272% | 2,973 |
| Noninterest income to average assets | 0.7693% | 1,884 |
| Noninterest expense to average assets | 3.4883% | 1,185 |
| Loan and lease loss provision to assets | 0.0774% | 2,817 |
| Net operating income to assets | 0.5454% | 4,451 |
| Return on assets (ROA) | 0.5604% | 4,492 |
| Pretax return on assets | 0.5748% | 4,861 |
| Return on Equity (ROE) | 4.0664% | 4,812 |
| Retained earnings to average equity (ytd only) | 3.1360% | 3,674 |
| Net charge-offs to loans | 0.0293% | 3,432 |
| Credit loss provision to net charge-offs | 500.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 41.1429% | 1,156 |
| Efficiency ratio | 84.5659% | 959 |
| Assets per employee ($millions) | 3.1911% | 5,155 |
| Cash dividends to net income (ytd only)* | 22.8797% | 3,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7942% | 954 |
| Loan loss allowance to noncurrent loans | 84.1085% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 1.2286% | 1,460 |
| Noncurrent loans to loans | 2.1332% | 810 |
| Net loans and leases to total assets | 51.3394% | 4,662 |
| Net loans and leases to deposits | 62.0832% | 4,540 |
| Net loans and leases to core deposits | 65.1094% | 4,572 |
| Total domestic deposits to total assets | 82.6945% | 3,860 |
| Equity capital to assets | 13.1431% | 1,199 |
| Core capital (leverage) ratio | 13.1143% | 1,097 |
| Tier 1 risk-based capital ratio | 24.8765% | 780 |
| Total risk-based capital ratio | 26.1329% | 766 |
| Memoranda: | ||
| Average total assets | $90,473,200 | 4,536 |
| Average earning assets | $83,701,400 | 4,523 |
| Average equity | $12,468,000 | 4,177 |
| Average total loans | $47,762,200 | 4,644 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0820% | 2,943 |
| Cost of funding earning assets | 0.4413% | 2,625 |
| Net interest margin | 3.6407% | 2,922 |
| Noninterest income to average assets | 0.7678% | 1,896 |
| Noninterest expense to average assets | 3.5913% | 1,009 |
| Loan and lease loss provision to assets | 0.0771% | 2,687 |
| Net operating income to assets | 0.4610% | 4,833 |
| Return on assets (ROA) | 0.4669% | 4,890 |
| Pretax return on assets | 0.4684% | 5,193 |
| Return on Equity (ROE) | 3.3481% | 5,126 |
| Retained earnings to average equity (ytd only) | 2.7528% | 4,242 |
| Net charge-offs to loans | -0.0868% | 5,523 |
| Credit loss provision to net charge-offs | -167.7419% | 4,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9394% | 739 |
| Assets per employee ($millions) | 3.2038% | 5,175 |
| Cash dividends to net income (ytd only)* | 17.7766% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8499% | 927 |
| Loan loss allowance to noncurrent loans | 76.8439% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 1.3680% | 1,371 |
| Noncurrent loans to loans | 2.4074% | 749 |
| Net loans and leases to total assets | 51.1667% | 4,720 |
| Net loans and leases to deposits | 62.5768% | 4,592 |
| Net loans and leases to core deposits | 65.6435% | 4,632 |
| Total domestic deposits to total assets | 81.7662% | 4,019 |
| Equity capital to assets | 13.7746% | 1,129 |
| Core capital (leverage) ratio | 13.2423% | 1,092 |
| Tier 1 risk-based capital ratio | 25.0326% | 813 |
| Total risk-based capital ratio | 26.2900% | 797 |
| Memoranda: | ||
| Average total assets | $89,955,750 | 4,585 |
| Average earning assets | $83,094,500 | 4,569 |
| Average equity | $12,544,250 | 4,201 |
| Average total loans | $47,608,000 | 4,678 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1522% | 2,666 |
| Cost of funding earning assets | 0.4489% | 2,579 |
| Net interest margin | 3.7034% | 2,686 |
| Noninterest income to average assets | 0.7126% | 2,081 |
| Noninterest expense to average assets | 3.5832% | 1,028 |
| Loan and lease loss provision to assets | 0.0787% | 2,574 |
| Net operating income to assets | 0.4608% | 4,834 |
| Return on assets (ROA) | 0.4698% | 4,894 |
| Pretax return on assets | 0.4721% | 5,195 |
| Return on Equity (ROE) | 3.3548% | 5,142 |
| Retained earnings to average equity (ytd only) | 2.4559% | 4,325 |
| Net charge-offs to loans | -0.0887% | 5,579 |
| Credit loss provision to net charge-offs | -166.6667% | 4,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8665% | 809 |
| Assets per employee ($millions) | 3.0972% | 5,328 |
| Cash dividends to net income (ytd only)* | 26.7943% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8175% | 1,054 |
| Loan loss allowance to noncurrent loans | 68.9382% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 1.6545% | 1,096 |
| Noncurrent loans to loans | 2.6364% | 634 |
| Net loans and leases to total assets | 52.3258% | 4,640 |
| Net loans and leases to deposits | 63.6683% | 4,513 |
| Net loans and leases to core deposits | 66.0511% | 4,609 |
| Total domestic deposits to total assets | 82.1851% | 3,942 |
| Equity capital to assets | 14.2432% | 948 |
| Core capital (leverage) ratio | 13.3969% | 1,017 |
| Tier 1 risk-based capital ratio | 25.3878% | 779 |
| Total risk-based capital ratio | 26.6447% | 760 |
| Memoranda: | ||
| Average total assets | $88,971,000 | 4,637 |
| Average earning assets | $81,979,670 | 4,623 |
| Average equity | $12,459,670 | 4,240 |
| Average total loans | $47,332,330 | 4,728 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1416% | 2,683 |
| Cost of funding earning assets | 0.4569% | 2,506 |
| Net interest margin | 3.6847% | 2,734 |
| Noninterest income to average assets | 0.6641% | 2,200 |
| Noninterest expense to average assets | 3.5145% | 1,156 |
| Loan and lease loss provision to assets | 0.0768% | 2,426 |
| Net operating income to assets | 0.4608% | 4,779 |
| Return on assets (ROA) | 0.4608% | 4,863 |
| Pretax return on assets | 0.4608% | 5,183 |
| Return on Equity (ROE) | 3.3190% | 5,119 |
| Retained earnings to average equity (ytd only) | 3.3190% | 3,836 |
| Net charge-offs to loans | -0.0425% | 5,253 |
| Credit loss provision to net charge-offs | -340.0000% | 4,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7336% | 912 |
| Assets per employee ($millions) | 3.0658% | 5,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7670% | 1,217 |
| Loan loss allowance to noncurrent loans | 93.6099% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 1.5994% | 1,249 |
| Noncurrent loans to loans | 1.8876% | 1,168 |
| Net loans and leases to total assets | 52.2130% | 4,612 |
| Net loans and leases to deposits | 63.1363% | 4,496 |
| Net loans and leases to core deposits | 65.5044% | 4,572 |
| Total domestic deposits to total assets | 82.6988% | 4,006 |
| Equity capital to assets | 13.9415% | 1,007 |
| Core capital (leverage) ratio | 13.5017% | 982 |
| Tier 1 risk-based capital ratio | 25.6015% | 761 |
| Total risk-based capital ratio | 26.8592% | 749 |
| Memoranda: | ||
| Average total assets | $88,547,500 | 4,686 |
| Average earning assets | $81,418,000 | 4,671 |
| Average equity | $12,293,000 | 4,286 |
| Average total loans | $47,064,500 | 4,761 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1624% | 2,701 |
| Cost of funding earning assets | 0.4964% | 2,185 |
| Net interest margin | 3.6660% | 2,878 |
| Noninterest income to average assets | 0.9165% | 1,392 |
| Noninterest expense to average assets | 3.7396% | 929 |
| Loan and lease loss provision to assets | 0.0692% | 2,907 |
| Net operating income to assets | 0.5049% | 4,670 |
| Return on assets (ROA) | 0.5049% | 4,761 |
| Pretax return on assets | 0.4876% | 5,137 |
| Return on Equity (ROE) | 3.6437% | 5,088 |
| Retained earnings to average equity (ytd only) | 2.4292% | 4,336 |
| Net charge-offs to loans | 0.1639% | 1,729 |
| Credit loss provision to net charge-offs | 80.0000% | 2,948 |
| Earnings coverage of net charge-offs (x) | 6.4400% | 3,228 |
| Efficiency ratio | 87.0405% | 904 |
| Assets per employee ($millions) | 3.0410% | 5,486 |
| Cash dividends to net income (ytd only)* | 33.3333% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7345% | 1,277 |
| Loan loss allowance to noncurrent loans | 81.9556% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 1.7270% | 1,113 |
| Noncurrent loans to loans | 2.1164% | 966 |
| Net loans and leases to total assets | 52.2293% | 4,675 |
| Net loans and leases to deposits | 62.2777% | 4,614 |
| Net loans and leases to core deposits | 65.0721% | 4,664 |
| Total domestic deposits to total assets | 83.8652% | 3,540 |
| Equity capital to assets | 13.8239% | 994 |
| Core capital (leverage) ratio | 13.5927% | 936 |
| Tier 1 risk-based capital ratio | 25.3770% | 782 |
| Total risk-based capital ratio | 26.6324% | 766 |
| Memoranda: | ||
| Average total assets | $86,746,200 | 4,732 |
| Average earning assets | $79,977,400 | 4,717 |
| Average equity | $12,020,600 | 4,302 |
| Average total loans | $45,746,200 | 4,806 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1349% | 2,797 |
| Cost of funding earning assets | 0.5064% | 2,154 |
| Net interest margin | 3.6284% | 3,040 |
| Noninterest income to average assets | 0.9600% | 1,288 |
| Noninterest expense to average assets | 3.7289% | 935 |
| Loan and lease loss provision to assets | 0.0911% | 2,350 |
| Net operating income to assets | 0.4815% | 4,852 |
| Return on assets (ROA) | 0.4815% | 4,953 |
| Pretax return on assets | 0.4908% | 5,241 |
| Return on Equity (ROE) | 3.4730% | 5,228 |
| Retained earnings to average equity (ytd only) | 2.4711% | 4,635 |
| Net charge-offs to loans | 0.2024% | 1,275 |
| Credit loss provision to net charge-offs | 85.5072% | 2,532 |
| Earnings coverage of net charge-offs (x) | 5.4636% | 3,200 |
| Efficiency ratio | 86.5020% | 972 |
| Assets per employee ($millions) | 2.9692% | 5,581 |
| Cash dividends to net income (ytd only)* | 28.8468% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7886% | 1,294 |
| Loan loss allowance to noncurrent loans | 90.8889% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 1.6793% | 1,296 |
| Noncurrent loans to loans | 1.9679% | 1,183 |
| Net loans and leases to total assets | 52.1642% | 4,740 |
| Net loans and leases to deposits | 62.4923% | 4,680 |
| Net loans and leases to core deposits | 65.1396% | 4,749 |
| Total domestic deposits to total assets | 83.4729% | 3,620 |
| Equity capital to assets | 14.0488% | 1,004 |
| Core capital (leverage) ratio | 13.7784% | 917 |
| Tier 1 risk-based capital ratio | 25.9127% | 774 |
| Total risk-based capital ratio | 27.1693% | 759 |
| Memoranda: | ||
| Average total assets | $86,385,750 | 4,798 |
| Average earning assets | $79,775,000 | 4,785 |
| Average equity | $11,978,000 | 4,357 |
| Average total loans | $45,464,500 | 4,859 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0570% | 3,051 |
| Cost of funding earning assets | 0.5190% | 2,076 |
| Net interest margin | 3.5379% | 3,346 |
| Noninterest income to average assets | 1.0708% | 1,045 |
| Noninterest expense to average assets | 3.7304% | 955 |
| Loan and lease loss provision to assets | 0.1295% | 1,714 |
| Net operating income to assets | 0.4672% | 4,905 |
| Return on assets (ROA) | 0.4672% | 5,000 |
| Pretax return on assets | 0.4741% | 5,291 |
| Return on Equity (ROE) | 3.3841% | 5,273 |
| Retained earnings to average equity (ytd only) | 2.4292% | 4,505 |
| Net charge-offs to loans | 0.1366% | 1,679 |
| Credit loss provision to net charge-offs | 180.6452% | 1,344 |
| Earnings coverage of net charge-offs (x) | 8.4194% | 2,565 |
| Efficiency ratio | 86.0726% | 1,055 |
| Assets per employee ($millions) | 2.9474% | 5,657 |
| Cash dividends to net income (ytd only)* | 28.2178% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9126% | 1,136 |
| Loan loss allowance to noncurrent loans | 76.9856% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 2.0883% | 1,038 |
| Noncurrent loans to loans | 2.4844% | 902 |
| Net loans and leases to total assets | 51.1781% | 4,828 |
| Net loans and leases to deposits | 61.1810% | 4,758 |
| Net loans and leases to core deposits | 63.7812% | 4,822 |
| Total domestic deposits to total assets | 83.6504% | 3,713 |
| Equity capital to assets | 13.8682% | 1,027 |
| Core capital (leverage) ratio | 13.5810% | 965 |
| Tier 1 risk-based capital ratio | 26.2120% | 759 |
| Total risk-based capital ratio | 27.4711% | 744 |
| Memoranda: | ||
| Average total assets | $86,478,670 | 4,845 |
| Average earning assets | $79,764,330 | 4,832 |
| Average equity | $11,938,330 | 4,391 |
| Average total loans | $45,374,330 | 4,908 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9327% | 3,489 |
| Cost of funding earning assets | 0.5390% | 1,933 |
| Net interest margin | 3.3937% | 3,869 |
| Noninterest income to average assets | 1.3060% | 674 |
| Noninterest expense to average assets | 3.6928% | 1,023 |
| Loan and lease loss provision to assets | 0.1748% | 1,114 |
| Net operating income to assets | 0.5243% | 4,567 |
| Return on assets (ROA) | 0.5243% | 4,684 |
| Pretax return on assets | 0.5656% | 5,005 |
| Return on Equity (ROE) | 3.8062% | 5,064 |
| Retained earnings to average equity (ytd only) | 3.8062% | 3,724 |
| Net charge-offs to loans | 0.2710% | 884 |
| Credit loss provision to net charge-offs | 122.5806% | 1,427 |
| Earnings coverage of net charge-offs (x) | 5.1935% | 2,406 |
| Efficiency ratio | 83.2988% | 1,452 |
| Assets per employee ($millions) | 2.9899% | 5,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8731% | 1,335 |
| Loan loss allowance to noncurrent loans | 82.9026% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 1.9410% | 1,239 |
| Noncurrent loans to loans | 2.2594% | 1,106 |
| Net loans and leases to total assets | 50.3887% | 4,805 |
| Net loans and leases to deposits | 60.4118% | 4,711 |
| Net loans and leases to core deposits | 63.5450% | 4,739 |
| Total domestic deposits to total assets | 83.4087% | 4,042 |
| Equity capital to assets | 13.9999% | 987 |
| Core capital (leverage) ratio | 13.4179% | 1,003 |
| Tier 1 risk-based capital ratio | 26.2290% | 771 |
| Total risk-based capital ratio | 27.4854% | 751 |
| Memoranda: | ||
| Average total assets | $86,980,000 | 4,880 |
| Average earning assets | $80,148,000 | 4,864 |
| Average equity | $11,980,500 | 4,417 |
| Average total loans | $45,762,500 | 4,928 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2761% | 2,691 |
| Cost of funding earning assets | 0.6144% | 1,642 |
| Net interest margin | 3.6617% | 3,168 |
| Noninterest income to average assets | 0.9263% | 1,424 |
| Noninterest expense to average assets | 3.6766% | 1,191 |
| Loan and lease loss provision to assets | 0.2155% | 1,158 |
| Net operating income to assets | 0.4024% | 5,214 |
| Return on assets (ROA) | 0.5010% | 4,894 |
| Pretax return on assets | 0.5010% | 5,248 |
| Return on Equity (ROE) | 3.8298% | 5,190 |
| Retained earnings to average equity (ytd only) | 2.2786% | 4,618 |
| Net charge-offs to loans | 0.4398% | 962 |
| Credit loss provision to net charge-offs | 89.9522% | 2,653 |
| Earnings coverage of net charge-offs (x) | 2.5789% | 4,117 |
| Efficiency ratio | 85.6113% | 1,210 |
| Assets per employee ($millions) | 3.0087% | 5,683 |
| Cash dividends to net income (ytd only)* | 40.5034% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7596% | 1,631 |
| Loan loss allowance to noncurrent loans | 84.5603% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 1.9667% | 1,309 |
| Noncurrent loans to loans | 2.0809% | 1,311 |
| Net loans and leases to total assets | 52.9191% | 4,697 |
| Net loans and leases to deposits | 63.1279% | 4,620 |
| Net loans and leases to core deposits | 66.3768% | 4,642 |
| Total domestic deposits to total assets | 83.8285% | 3,796 |
| Equity capital to assets | 13.5493% | 1,141 |
| Core capital (leverage) ratio | 13.2129% | 1,053 |
| Tier 1 risk-based capital ratio | 25.0988% | 833 |
| Total risk-based capital ratio | 26.3566% | 818 |
| Memoranda: | ||
| Average total assets | $87,228,000 | 4,904 |
| Average earning assets | $80,236,200 | 4,885 |
| Average equity | $11,410,600 | 4,476 |
| Average total loans | $47,524,000 | 4,900 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2595% | 2,780 |
| Cost of funding earning assets | 0.6268% | 1,624 |
| Net interest margin | 3.6328% | 3,298 |
| Noninterest income to average assets | 0.9386% | 1,400 |
| Noninterest expense to average assets | 3.7161% | 1,096 |
| Loan and lease loss provision to assets | 0.2155% | 1,063 |
| Net operating income to assets | 0.3405% | 5,459 |
| Return on assets (ROA) | 0.4693% | 5,074 |
| Pretax return on assets | 0.4785% | 5,385 |
| Return on Equity (ROE) | 3.6198% | 5,324 |
| Retained earnings to average equity (ytd only) | 2.1931% | 4,962 |
| Net charge-offs to loans | 0.6015% | 617 |
| Credit loss provision to net charge-offs | 65.5814% | 2,841 |
| Earnings coverage of net charge-offs (x) | 1.7116% | 4,092 |
| Efficiency ratio | 86.8524% | 1,107 |
| Assets per employee ($millions) | 2.9843% | 5,742 |
| Cash dividends to net income (ytd only)* | 39.4142% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6476% | 2,143 |
| Loan loss allowance to noncurrent loans | 88.0546% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 2.0406% | 1,390 |
| Noncurrent loans to loans | 1.8711% | 1,707 |
| Net loans and leases to total assets | 53.3867% | 4,651 |
| Net loans and leases to deposits | 63.7564% | 4,567 |
| Net loans and leases to core deposits | 68.1641% | 4,495 |
| Total domestic deposits to total assets | 83.7354% | 3,862 |
| Equity capital to assets | 13.4475% | 1,208 |
| Core capital (leverage) ratio | 13.1274% | 1,127 |
| Tier 1 risk-based capital ratio | 24.8986% | 892 |
| Total risk-based capital ratio | 26.1542% | 878 |
| Memoranda: | ||
| Average total assets | $87,222,000 | 4,956 |
| Average earning assets | $80,194,250 | 4,938 |
| Average equity | $11,307,750 | 4,529 |
| Average total loans | $47,655,000 | 4,943 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1832% | 3,018 |
| Cost of funding earning assets | 0.6242% | 1,696 |
| Net interest margin | 3.5589% | 3,534 |
| Noninterest income to average assets | 0.9903% | 1,227 |
| Noninterest expense to average assets | 3.7988% | 975 |
| Loan and lease loss provision to assets | 0.2150% | 1,093 |
| Net operating income to assets | 0.2493% | 5,716 |
| Return on assets (ROA) | 0.4460% | 5,111 |
| Pretax return on assets | 0.4460% | 5,433 |
| Return on Equity (ROE) | 3.4829% | 5,355 |
| Retained earnings to average equity (ytd only) | 2.4291% | 4,662 |
| Net charge-offs to loans | 0.2297% | 1,660 |
| Credit loss provision to net charge-offs | 170.9091% | 1,332 |
| Earnings coverage of net charge-offs (x) | 3.6909% | 3,241 |
| Efficiency ratio | 89.1094% | 982 |
| Assets per employee ($millions) | 3.1695% | 5,472 |
| Cash dividends to net income (ytd only)* | 30.2564% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9051% | 1,575 |
| Loan loss allowance to noncurrent loans | 64.9123% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 2.1128% | 1,470 |
| Noncurrent loans to loans | 2.9349% | 1,009 |
| Net loans and leases to total assets | 51.5223% | 4,798 |
| Net loans and leases to deposits | 60.5816% | 4,818 |
| Net loans and leases to core deposits | 64.7768% | 4,749 |
| Total domestic deposits to total assets | 85.0461% | 3,482 |
| Equity capital to assets | 12.9797% | 1,380 |
| Core capital (leverage) ratio | 12.9301% | 1,180 |
| Tier 1 risk-based capital ratio | 24.6411% | 912 |
| Total risk-based capital ratio | 25.8999% | 896 |
| Memoranda: | ||
| Average total assets | $87,448,000 | 4,989 |
| Average earning assets | $80,417,330 | 4,975 |
| Average equity | $11,197,670 | 4,555 |
| Average total loans | $47,881,000 | 4,968 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3760% | 2,247 |
| Cost of funding earning assets | 0.6294% | 1,742 |
| Net interest margin | 3.7466% | 2,694 |
| Noninterest income to average assets | 1.0599% | 995 |
| Noninterest expense to average assets | 3.8341% | 938 |
| Loan and lease loss provision to assets | 0.2166% | 1,054 |
| Net operating income to assets | 0.4562% | 4,909 |
| Return on assets (ROA) | 0.4562% | 4,977 |
| Pretax return on assets | 0.4654% | 5,272 |
| Return on Equity (ROE) | 3.5879% | 5,222 |
| Retained earnings to average equity (ytd only) | 3.5879% | 3,979 |
| Net charge-offs to loans | 0.4535% | 800 |
| Credit loss provision to net charge-offs | 85.4545% | 1,843 |
| Earnings coverage of net charge-offs (x) | 2.6909% | 2,820 |
| Efficiency ratio | 84.8980% | 1,564 |
| Assets per employee ($millions) | 3.1098% | 5,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7635% | 2,146 |
| Loan loss allowance to noncurrent loans | 55.3360% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 2.2900% | 1,434 |
| Noncurrent loans to loans | 3.1869% | 964 |
| Net loans and leases to total assets | 53.7388% | 4,454 |
| Net loans and leases to deposits | 63.4038% | 4,385 |
| Net loans and leases to core deposits | 67.8991% | 4,326 |
| Total domestic deposits to total assets | 84.7565% | 3,968 |
| Equity capital to assets | 12.8731% | 1,370 |
| Core capital (leverage) ratio | 11.8044% | 1,758 |
| Tier 1 risk-based capital ratio | 24.3853% | 950 |
| Total risk-based capital ratio | 25.6415% | 937 |
| Memoranda: | ||
| Average total assets | $86,799,000 | 5,050 |
| Average earning assets | $80,073,000 | 5,025 |
| Average equity | $11,037,000 | 4,604 |
| Average total loans | $48,515,500 | 4,989 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5608% | 1,999 |
| Cost of funding earning assets | 0.7451% | 1,528 |
| Net interest margin | 3.8156% | 2,598 |
| Noninterest income to average assets | 0.9534% | 1,514 |
| Noninterest expense to average assets | 3.4278% | 1,816 |
| Loan and lease loss provision to assets | 0.1923% | 1,922 |
| Net operating income to assets | 0.7107% | 3,750 |
| Return on assets (ROA) | 0.7107% | 3,830 |
| Pretax return on assets | 0.8321% | 4,024 |
| Return on Equity (ROE) | 5.5895% | 4,333 |
| Retained earnings to average equity (ytd only) | 4.4644% | 2,997 |
| Net charge-offs to loans | 0.3778% | 1,781 |
| Credit loss provision to net charge-offs | 89.8396% | 2,759 |
| Earnings coverage of net charge-offs (x) | 4.7861% | 3,456 |
| Efficiency ratio | 76.9923% | 2,618 |
| Assets per employee ($millions) | 3.0902% | 5,692 |
| Cash dividends to net income (ytd only)* | 20.1288% | 3,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7187% | 2,339 |
| Loan loss allowance to noncurrent loans | 51.5796% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 2.4802% | 1,387 |
| Noncurrent loans to loans | 3.3321% | 976 |
| Net loans and leases to total assets | 56.1110% | 4,301 |
| Net loans and leases to deposits | 66.0949% | 4,285 |
| Net loans and leases to core deposits | 71.1012% | 4,174 |
| Total domestic deposits to total assets | 84.8945% | 3,802 |
| Equity capital to assets | 12.5571% | 1,487 |
| Core capital (leverage) ratio | 13.0857% | 1,110 |
| Tier 1 risk-based capital ratio | 23.5270% | 1,017 |
| Total risk-based capital ratio | 24.7829% | 998 |
| Memoranda: | ||
| Average total assets | $87,373,000 | 5,040 |
| Average earning assets | $80,118,200 | 5,033 |
| Average equity | $11,110,200 | 4,613 |
| Average total loans | $49,491,400 | 4,983 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5597% | 2,009 |
| Cost of funding earning assets | 0.7674% | 1,495 |
| Net interest margin | 3.7923% | 2,662 |
| Noninterest income to average assets | 0.9408% | 1,628 |
| Noninterest expense to average assets | 3.3704% | 1,889 |
| Loan and lease loss provision to assets | 0.1918% | 1,906 |
| Net operating income to assets | 0.7140% | 3,789 |
| Return on assets (ROA) | 0.7140% | 3,919 |
| Pretax return on assets | 0.8540% | 4,077 |
| Return on Equity (ROE) | 5.5975% | 4,420 |
| Retained earnings to average equity (ytd only) | 4.8574% | 3,187 |
| Net charge-offs to loans | 0.4389% | 1,464 |
| Credit loss provision to net charge-offs | 77.3006% | 2,911 |
| Earnings coverage of net charge-offs (x) | 4.2147% | 3,500 |
| Efficiency ratio | 76.3185% | 2,681 |
| Assets per employee ($millions) | 3.0762% | 5,722 |
| Cash dividends to net income (ytd only)* | 13.2188% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6773% | 2,703 |
| Loan loss allowance to noncurrent loans | 59.0618% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 2.7271% | 1,379 |
| Noncurrent loans to loans | 2.8398% | 1,457 |
| Net loans and leases to total assets | 56.5561% | 4,237 |
| Net loans and leases to deposits | 66.9268% | 4,188 |
| Net loans and leases to core deposits | 71.0479% | 4,206 |
| Total domestic deposits to total assets | 84.5044% | 3,974 |
| Equity capital to assets | 12.7290% | 1,461 |
| Core capital (leverage) ratio | 12.9577% | 1,225 |
| Tier 1 risk-based capital ratio | 23.2647% | 1,103 |
| Total risk-based capital ratio | 24.5209% | 1,083 |
| Memoranda: | ||
| Average total assets | $87,585,000 | 5,085 |
| Average earning assets | $80,265,750 | 5,085 |
| Average equity | $11,171,500 | 4,654 |
| Average total loans | $49,514,500 | 5,027 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5146% | 2,147 |
| Cost of funding earning assets | 0.7842% | 1,504 |
| Net interest margin | 3.7304% | 2,848 |
| Noninterest income to average assets | 0.9379% | 1,696 |
| Noninterest expense to average assets | 3.3406% | 1,964 |
| Loan and lease loss provision to assets | 0.1930% | 1,966 |
| Net operating income to assets | 0.6949% | 3,828 |
| Return on assets (ROA) | 0.6949% | 4,001 |
| Pretax return on assets | 0.8289% | 4,201 |
| Return on Equity (ROE) | 5.4445% | 4,493 |
| Retained earnings to average equity (ytd only) | 4.3414% | 3,510 |
| Net charge-offs to loans | 0.5090% | 1,289 |
| Credit loss provision to net charge-offs | 67.4603% | 2,882 |
| Earnings coverage of net charge-offs (x) | 3.5714% | 3,358 |
| Efficiency ratio | 76.5747% | 2,702 |
| Assets per employee ($millions) | 3.1276% | 5,624 |
| Cash dividends to net income (ytd only)* | 20.2614% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6561% | 2,953 |
| Loan loss allowance to noncurrent loans | 46.4567% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 2.8022% | 1,478 |
| Noncurrent loans to loans | 3.5649% | 1,165 |
| Net loans and leases to total assets | 56.0086% | 4,290 |
| Net loans and leases to deposits | 65.7934% | 4,287 |
| Net loans and leases to core deposits | 69.5109% | 4,323 |
| Total domestic deposits to total assets | 85.1280% | 3,833 |
| Equity capital to assets | 12.2399% | 1,750 |
| Core capital (leverage) ratio | 12.4166% | 1,404 |
| Tier 1 risk-based capital ratio | 22.8051% | 1,164 |
| Total risk-based capital ratio | 24.0608% | 1,145 |
| Memoranda: | ||
| Average total assets | $88,068,670 | 5,107 |
| Average earning assets | $80,848,670 | 5,095 |
| Average equity | $11,240,670 | 4,673 |
| Average total loans | $49,504,330 | 5,044 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5564% | 1,966 |
| Cost of funding earning assets | 0.7939% | 1,563 |
| Net interest margin | 3.7624% | 2,602 |
| Noninterest income to average assets | 0.8107% | 2,085 |
| Noninterest expense to average assets | 3.2157% | 2,305 |
| Loan and lease loss provision to assets | 0.1902% | 1,938 |
| Net operating income to assets | 0.7111% | 3,635 |
| Return on assets (ROA) | 0.7111% | 3,772 |
| Pretax return on assets | 0.8605% | 3,911 |
| Return on Equity (ROE) | 5.4602% | 4,327 |
| Retained earnings to average equity (ytd only) | 5.4602% | 2,973 |
| Net charge-offs to loans | 1.2247% | 472 |
| Credit loss provision to net charge-offs | 27.8146% | 2,917 |
| Earnings coverage of net charge-offs (x) | 1.5364% | 3,319 |
| Efficiency ratio | 75.3715% | 3,029 |
| Assets per employee ($millions) | 3.3177% | 5,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5445% | 3,645 |
| Loan loss allowance to noncurrent loans | 42.6322% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 2.7485% | 1,653 |
| Noncurrent loans to loans | 3.6230% | 1,312 |
| Net loans and leases to total assets | 53.9402% | 4,428 |
| Net loans and leases to deposits | 63.8671% | 4,331 |
| Net loans and leases to core deposits | 67.6533% | 4,345 |
| Total domestic deposits to total assets | 84.4569% | 4,282 |
| Equity capital to assets | 12.8571% | 1,497 |
| Core capital (leverage) ratio | 12.3892% | 1,388 |
| Tier 1 risk-based capital ratio | 22.8469% | 1,183 |
| Total risk-based capital ratio | 24.1002% | 1,160 |
| Memoranda: | ||
| Average total assets | $88,316,000 | 5,145 |
| Average earning assets | $81,117,500 | 5,120 |
| Average equity | $11,501,500 | 4,673 |
| Average total loans | $49,319,000 | 5,080 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8818% | 1,901 |
| Cost of funding earning assets | 0.9538% | 1,616 |
| Net interest margin | 3.9280% | 2,707 |
| Noninterest income to average assets | 0.9017% | 1,850 |
| Noninterest expense to average assets | 3.6033% | 1,600 |
| Loan and lease loss provision to assets | 0.2719% | 2,472 |
| Net operating income to assets | 0.5717% | 4,372 |
| Return on assets (ROA) | 0.5717% | 4,631 |
| Pretax return on assets | 0.6344% | 4,869 |
| Return on Equity (ROE) | 4.3654% | 4,989 |
| Retained earnings to average equity (ytd only) | 3.2386% | 3,939 |
| Net charge-offs to loans | 0.3262% | 3,014 |
| Credit loss provision to net charge-offs | 140.9639% | 1,948 |
| Earnings coverage of net charge-offs (x) | 4.6988% | 3,284 |
| Efficiency ratio | 79.9021% | 2,162 |
| Assets per employee ($millions) | 3.0019% | 6,010 |
| Cash dividends to net income (ytd only)* | 25.8130% | 3,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7513% | 2,757 |
| Loan loss allowance to noncurrent loans | 44.2180% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 2.8706% | 1,663 |
| Noncurrent loans to loans | 3.9607% | 1,194 |
| Net loans and leases to total assets | 55.9348% | 4,300 |
| Net loans and leases to deposits | 66.7087% | 4,180 |
| Net loans and leases to core deposits | 70.8112% | 4,189 |
| Total domestic deposits to total assets | 83.8493% | 4,385 |
| Equity capital to assets | 13.1940% | 1,358 |
| Core capital (leverage) ratio | 12.2882% | 1,407 |
| Tier 1 risk-based capital ratio | 22.5697% | 1,175 |
| Total risk-based capital ratio | 23.8258% | 1,149 |
| Memoranda: | ||
| Average total assets | $86,059,600 | 5,190 |
| Average earning assets | $79,048,800 | 5,159 |
| Average equity | $11,270,400 | 4,710 |
| Average total loans | $50,889,400 | 5,072 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9254% | 1,918 |
| Cost of funding earning assets | 0.9820% | 1,664 |
| Net interest margin | 3.9434% | 2,736 |
| Noninterest income to average assets | 0.9074% | 1,806 |
| Noninterest expense to average assets | 3.5908% | 1,570 |
| Loan and lease loss provision to assets | 0.2812% | 2,316 |
| Net operating income to assets | 0.5733% | 4,506 |
| Return on assets (ROA) | 0.5733% | 4,779 |
| Pretax return on assets | 0.6541% | 4,995 |
| Return on Equity (ROE) | 4.3863% | 5,106 |
| Retained earnings to average equity (ytd only) | 3.6136% | 4,335 |
| Net charge-offs to loans | 0.4894% | 2,151 |
| Credit loss provision to net charge-offs | 96.2766% | 3,098 |
| Earnings coverage of net charge-offs (x) | 3.2021% | 3,748 |
| Efficiency ratio | 79.3340% | 2,194 |
| Assets per employee ($millions) | 2.9657% | 6,102 |
| Cash dividends to net income (ytd only)* | 17.6142% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5954% | 3,534 |
| Loan loss allowance to noncurrent loans | 47.1463% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 2.4975% | 2,123 |
| Noncurrent loans to loans | 3.3839% | 1,618 |
| Net loans and leases to total assets | 56.8716% | 4,316 |
| Net loans and leases to deposits | 68.4874% | 4,099 |
| Net loans and leases to core deposits | 72.6801% | 4,171 |
| Total domestic deposits to total assets | 83.0396% | 4,626 |
| Equity capital to assets | 13.3537% | 1,410 |
| Core capital (leverage) ratio | 12.4878% | 1,413 |
| Tier 1 risk-based capital ratio | 22.6842% | 1,224 |
| Total risk-based capital ratio | 23.9390% | 1,204 |
| Memoranda: | ||
| Average total assets | $85,810,750 | 5,247 |
| Average earning assets | $78,746,000 | 5,216 |
| Average equity | $11,216,500 | 4,766 |
| Average total loans | $51,221,250 | 5,117 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9109% | 2,068 |
| Cost of funding earning assets | 1.0101% | 1,706 |
| Net interest margin | 3.9008% | 2,903 |
| Noninterest income to average assets | 0.8863% | 1,832 |
| Noninterest expense to average assets | 3.6060% | 1,568 |
| Loan and lease loss provision to assets | 0.3009% | 2,177 |
| Net operating income to assets | 0.5131% | 4,755 |
| Return on assets (ROA) | 0.5131% | 5,020 |
| Pretax return on assets | 0.5645% | 5,262 |
| Return on Equity (ROE) | 3.9543% | 5,285 |
| Retained earnings to average equity (ytd only) | 2.7860% | 4,768 |
| Net charge-offs to loans | 0.6457% | 1,704 |
| Credit loss provision to net charge-offs | 77.2455% | 3,395 |
| Earnings coverage of net charge-offs (x) | 2.2216% | 3,877 |
| Efficiency ratio | 80.6468% | 2,082 |
| Assets per employee ($millions) | 2.9729% | 6,119 |
| Cash dividends to net income (ytd only)* | 29.5455% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5092% | 3,972 |
| Loan loss allowance to noncurrent loans | 37.9860% | 5,756 |
| Noncurrent assets plus other real estate owned to assets | 2.9114% | 1,900 |
| Noncurrent loans to loans | 3.9731% | 1,393 |
| Net loans and leases to total assets | 57.6786% | 4,222 |
| Net loans and leases to deposits | 69.1921% | 4,013 |
| Net loans and leases to core deposits | 74.2017% | 4,003 |
| Total domestic deposits to total assets | 83.3600% | 4,598 |
| Equity capital to assets | 13.0582% | 1,490 |
| Core capital (leverage) ratio | 12.2332% | 1,480 |
| Tier 1 risk-based capital ratio | 22.3995% | 1,219 |
| Total risk-based capital ratio | 23.6540% | 1,201 |
| Memoranda: | ||
| Average total assets | $85,745,670 | 5,285 |
| Average earning assets | $78,804,670 | 5,247 |
| Average equity | $11,127,000 | 4,785 |
| Average total loans | $51,726,330 | 5,113 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9950% | 1,903 |
| Cost of funding earning assets | 1.0489% | 1,682 |
| Net interest margin | 3.9461% | 2,740 |
| Noninterest income to average assets | 0.9075% | 1,711 |
| Noninterest expense to average assets | 3.6159% | 1,532 |
| Loan and lease loss provision to assets | 0.2479% | 2,480 |
| Net operating income to assets | 0.5800% | 4,442 |
| Return on assets (ROA) | 0.5800% | 4,664 |
| Pretax return on assets | 0.6689% | 4,889 |
| Return on Equity (ROE) | 4.4840% | 5,054 |
| Retained earnings to average equity (ytd only) | 4.4840% | 3,900 |
| Net charge-offs to loans | 0.1375% | 3,276 |
| Credit loss provision to net charge-offs | 294.4444% | 1,002 |
| Earnings coverage of net charge-offs (x) | 10.8889% | 1,719 |
| Efficiency ratio | 79.7730% | 2,227 |
| Assets per employee ($millions) | 3.0126% | 6,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5959% | 3,735 |
| Loan loss allowance to noncurrent loans | 44.0633% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 2.6750% | 2,207 |
| Noncurrent loans to loans | 3.6219% | 1,716 |
| Net loans and leases to total assets | 58.9302% | 3,866 |
| Net loans and leases to deposits | 70.3424% | 3,680 |
| Net loans and leases to core deposits | 75.3167% | 3,708 |
| Total domestic deposits to total assets | 83.7763% | 4,606 |
| Equity capital to assets | 12.7223% | 1,585 |
| Core capital (leverage) ratio | 12.3762% | 1,399 |
| Tier 1 risk-based capital ratio | 21.9734% | 1,288 |
| Total risk-based capital ratio | 23.2305% | 1,263 |
| Memoranda: | ||
| Average total assets | $85,511,500 | 5,325 |
| Average earning assets | $78,558,500 | 5,282 |
| Average equity | $11,061,500 | 4,814 |
| Average total loans | $52,345,000 | 5,131 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4581% | 1,270 |
| Cost of funding earning assets | 1.2697% | 1,627 |
| Net interest margin | 4.1884% | 2,103 |
| Noninterest income to average assets | 1.0106% | 1,340 |
| Noninterest expense to average assets | 3.6802% | 1,573 |
| Loan and lease loss provision to assets | 0.1822% | 4,369 |
| Net operating income to assets | 0.8152% | 2,976 |
| Return on assets (ROA) | 0.8152% | 3,141 |
| Pretax return on assets | 0.9722% | 3,342 |
| Return on Equity (ROE) | 6.3209% | 3,729 |
| Retained earnings to average equity (ytd only) | 2.5748% | 4,393 |
| Net charge-offs to loans | 0.4645% | 3,129 |
| Credit loss provision to net charge-offs | 61.0442% | 5,143 |
| Earnings coverage of net charge-offs (x) | 3.8675% | 3,359 |
| Efficiency ratio | 76.1220% | 2,872 |
| Assets per employee ($millions) | 2.7886% | 6,473 |
| Cash dividends to net income (ytd only)* | 59.2647% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5276% | 3,897 |
| Loan loss allowance to noncurrent loans | 43.3369% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 2.8521% | 2,119 |
| Noncurrent loans to loans | 3.5249% | 1,820 |
| Net loans and leases to total assets | 61.6446% | 3,670 |
| Net loans and leases to deposits | 74.2025% | 3,463 |
| Net loans and leases to core deposits | 79.2726% | 3,536 |
| Total domestic deposits to total assets | 83.0761% | 4,719 |
| Equity capital to assets | 13.1585% | 1,415 |
| Core capital (leverage) ratio | 12.4679% | 1,362 |
| Tier 1 risk-based capital ratio | 21.8298% | 1,257 |
| Total risk-based capital ratio | 23.0851% | 1,228 |
| Memoranda: | ||
| Average total assets | $83,418,400 | 5,357 |
| Average earning assets | $76,162,400 | 5,338 |
| Average equity | $10,758,000 | 4,838 |
| Average total loans | $53,602,800 | 5,127 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5333% | 1,177 |
| Cost of funding earning assets | 1.2939% | 1,735 |
| Net interest margin | 4.2394% | 1,952 |
| Noninterest income to average assets | 1.0157% | 1,304 |
| Noninterest expense to average assets | 3.7012% | 1,495 |
| Loan and lease loss provision to assets | 0.1823% | 4,210 |
| Net operating income to assets | 0.8109% | 3,106 |
| Return on assets (ROA) | 0.8109% | 3,274 |
| Pretax return on assets | 0.9997% | 3,409 |
| Return on Equity (ROE) | 6.3202% | 3,865 |
| Retained earnings to average equity (ytd only) | 4.9240% | 3,224 |
| Net charge-offs to loans | 0.4155% | 3,065 |
| Credit loss provision to net charge-offs | 67.8571% | 4,551 |
| Earnings coverage of net charge-offs (x) | 4.3989% | 3,078 |
| Efficiency ratio | 75.7943% | 2,870 |
| Assets per employee ($millions) | 2.8757% | 6,357 |
| Cash dividends to net income (ytd only)* | 22.0909% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5686% | 3,806 |
| Loan loss allowance to noncurrent loans | 49.1259% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 2.7387% | 2,371 |
| Noncurrent loans to loans | 3.1931% | 2,176 |
| Net loans and leases to total assets | 63.4299% | 3,425 |
| Net loans and leases to deposits | 77.3385% | 3,113 |
| Net loans and leases to core deposits | 82.6945% | 3,230 |
| Total domestic deposits to total assets | 82.0159% | 5,082 |
| Equity capital to assets | 13.3879% | 1,417 |
| Core capital (leverage) ratio | 12.7925% | 1,306 |
| Tier 1 risk-based capital ratio | 21.8717% | 1,315 |
| Total risk-based capital ratio | 23.1278% | 1,284 |
| Memoranda: | ||
| Average total assets | $83,358,750 | 5,395 |
| Average earning assets | $76,047,000 | 5,381 |
| Average equity | $10,695,500 | 4,868 |
| Average total loans | $53,911,000 | 5,166 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5636% | 1,141 |
| Cost of funding earning assets | 1.2998% | 1,943 |
| Net interest margin | 4.2638% | 1,790 |
| Noninterest income to average assets | 0.9934% | 1,339 |
| Noninterest expense to average assets | 3.6282% | 1,682 |
| Loan and lease loss provision to assets | 0.1824% | 4,094 |
| Net operating income to assets | 0.8687% | 2,778 |
| Return on assets (ROA) | 0.8687% | 2,869 |
| Pretax return on assets | 1.0870% | 2,907 |
| Return on Equity (ROE) | 6.8697% | 3,500 |
| Retained earnings to average equity (ytd only) | 4.7443% | 3,162 |
| Net charge-offs to loans | 0.4002% | 2,957 |
| Credit loss provision to net charge-offs | 70.3704% | 4,048 |
| Earnings coverage of net charge-offs (x) | 4.8981% | 2,739 |
| Efficiency ratio | 74.0813% | 3,351 |
| Assets per employee ($millions) | 2.8509% | 6,384 |
| Cash dividends to net income (ytd only)* | 30.9392% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6174% | 3,630 |
| Loan loss allowance to noncurrent loans | 59.8202% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 2.4819% | 2,688 |
| Noncurrent loans to loans | 2.7037% | 2,693 |
| Net loans and leases to total assets | 63.6416% | 3,542 |
| Net loans and leases to deposits | 77.3836% | 3,237 |
| Net loans and leases to core deposits | 81.5945% | 3,561 |
| Total domestic deposits to total assets | 82.2417% | 5,082 |
| Equity capital to assets | 13.1137% | 1,465 |
| Core capital (leverage) ratio | 12.5257% | 1,347 |
| Tier 1 risk-based capital ratio | 21.6420% | 1,304 |
| Total risk-based capital ratio | 22.8981% | 1,279 |
| Memoranda: | ||
| Average total assets | $83,346,330 | 5,446 |
| Average earning assets | $76,317,670 | 5,426 |
| Average equity | $10,539,000 | 4,914 |
| Average total loans | $53,967,670 | 5,211 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5573% | 1,161 |
| Cost of funding earning assets | 1.3189% | 2,072 |
| Net interest margin | 4.2383% | 1,790 |
| Noninterest income to average assets | 0.9656% | 1,419 |
| Noninterest expense to average assets | 3.6472% | 1,658 |
| Loan and lease loss provision to assets | 0.1816% | 3,801 |
| Net operating income to assets | 0.8269% | 2,896 |
| Return on assets (ROA) | 0.8269% | 2,960 |
| Pretax return on assets | 1.0229% | 3,051 |
| Return on Equity (ROE) | 6.6619% | 3,555 |
| Retained earnings to average equity (ytd only) | 4.9290% | 3,242 |
| Net charge-offs to loans | 0.7083% | 1,800 |
| Credit loss provision to net charge-offs | 39.5833% | 3,956 |
| Earnings coverage of net charge-offs (x) | 2.6250% | 3,030 |
| Efficiency ratio | 75.1724% | 3,308 |
| Assets per employee ($millions) | 2.8902% | 6,378 |
| Cash dividends to net income (ytd only)* | 26.0116% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5614% | 3,910 |
| Loan loss allowance to noncurrent loans | 53.4395% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 2.5102% | 2,723 |
| Noncurrent loans to loans | 2.9218% | 2,571 |
| Net loans and leases to total assets | 63.1077% | 3,627 |
| Net loans and leases to deposits | 76.1879% | 3,387 |
| Net loans and leases to core deposits | 80.2217% | 3,718 |
| Total domestic deposits to total assets | 82.8316% | 4,983 |
| Equity capital to assets | 12.5345% | 1,614 |
| Core capital (leverage) ratio | 12.2783% | 1,416 |
| Tier 1 risk-based capital ratio | 21.0383% | 1,387 |
| Total risk-based capital ratio | 22.2943% | 1,358 |
| Memoranda: | ||
| Average total assets | $83,681,000 | 5,478 |
| Average earning assets | $76,728,000 | 5,454 |
| Average equity | $10,387,500 | 4,945 |
| Average total loans | $54,210,500 | 5,245 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9715% | 902 |
| Cost of funding earning assets | 1.5012% | 2,625 |
| Net interest margin | 4.4702% | 1,299 |
| Noninterest income to average assets | 1.1161% | 1,186 |
| Noninterest expense to average assets | 3.8124% | 1,463 |
| Loan and lease loss provision to assets | 0.2505% | 4,789 |
| Net operating income to assets | 0.8951% | 2,414 |
| Return on assets (ROA) | 0.8951% | 2,544 |
| Pretax return on assets | 1.1443% | 2,420 |
| Return on Equity (ROE) | 7.0438% | 3,096 |
| Retained earnings to average equity (ytd only) | 3.4977% | 3,416 |
| Net charge-offs to loans | 0.0565% | 6,226 |
| Credit loss provision to net charge-offs | 680.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 37.8667% | 610 |
| Efficiency ratio | 73.2139% | 3,551 |
| Assets per employee ($millions) | 2.8809% | 6,377 |
| Cash dividends to net income (ytd only)* | 50.3429% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6402% | 3,427 |
| Loan loss allowance to noncurrent loans | 54.2978% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 2.2251% | 3,063 |
| Noncurrent loans to loans | 3.0208% | 2,529 |
| Net loans and leases to total assets | 64.3845% | 3,789 |
| Net loans and leases to deposits | 77.7301% | 3,552 |
| Net loans and leases to core deposits | 82.1648% | 3,888 |
| Total domestic deposits to total assets | 82.8308% | 4,871 |
| Equity capital to assets | 12.2916% | 1,754 |
| Core capital (leverage) ratio | 12.2088% | 1,424 |
| Tier 1 risk-based capital ratio | 20.5732% | 1,390 |
| Total risk-based capital ratio | 21.8311% | 1,372 |
| Memoranda: | ||
| Average total assets | $81,445,600 | 5,553 |
| Average earning assets | $74,538,000 | 5,523 |
| Average equity | $10,349,600 | 5,024 |
| Average total loans | $53,068,800 | 5,357 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0066% | 921 |
| Cost of funding earning assets | 1.5183% | 2,859 |
| Net interest margin | 4.4883% | 1,280 |
| Noninterest income to average assets | 1.1418% | 1,076 |
| Noninterest expense to average assets | 3.8292% | 1,323 |
| Loan and lease loss provision to assets | 0.2636% | 4,470 |
| Net operating income to assets | 0.9145% | 2,553 |
| Return on assets (ROA) | 0.9145% | 2,700 |
| Pretax return on assets | 1.1550% | 2,657 |
| Return on Equity (ROE) | 7.1359% | 3,281 |
| Retained earnings to average equity (ytd only) | 3.2787% | 4,141 |
| Net charge-offs to loans | 0.0101% | 6,525 |
| Credit loss provision to net charge-offs | 4,000.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 215.3790% | 152 |
| Efficiency ratio | 72.9670% | 3,533 |
| Assets per employee ($millions) | 2.7268% | 6,728 |
| Cash dividends to net income (ytd only)* | 54.0542% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6456% | 3,346 |
| Loan loss allowance to noncurrent loans | 54.9719% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 2.1099% | 3,320 |
| Noncurrent loans to loans | 2.9936% | 2,667 |
| Net loans and leases to total assets | 64.2198% | 4,080 |
| Net loans and leases to deposits | 78.6264% | 3,703 |
| Net loans and leases to core deposits | 83.5520% | 4,012 |
| Total domestic deposits to total assets | 81.6772% | 5,138 |
| Equity capital to assets | 12.9466% | 1,607 |
| Core capital (leverage) ratio | 12.2781% | 1,519 |
| Tier 1 risk-based capital ratio | 20.5677% | 1,430 |
| Total risk-based capital ratio | 21.8243% | 1,412 |
| Memoranda: | ||
| Average total assets | $80,920,750 | 5,639 |
| Average earning assets | $74,028,000 | 5,605 |
| Average equity | $10,369,750 | 5,095 |
| Average total loans | $52,664,250 | 5,457 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9819% | 989 |
| Cost of funding earning assets | 1.5341% | 3,041 |
| Net interest margin | 4.4478% | 1,323 |
| Noninterest income to average assets | 1.1560% | 965 |
| Noninterest expense to average assets | 3.6911% | 1,572 |
| Loan and lease loss provision to assets | 0.2828% | 4,135 |
| Net operating income to assets | 0.9724% | 2,292 |
| Return on assets (ROA) | 0.9724% | 2,370 |
| Pretax return on assets | 1.2527% | 2,249 |
| Return on Equity (ROE) | 7.6146% | 3,052 |
| Retained earnings to average equity (ytd only) | 5.5556% | 2,579 |
| Net charge-offs to loans | -0.0305% | 7,355 |
| Credit loss provision to net charge-offs | -1,425.0000% | 6,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6217% | 4,055 |
| Assets per employee ($millions) | 2.5996% | 6,948 |
| Cash dividends to net income (ytd only)* | 27.0408% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6157% | 3,384 |
| Loan loss allowance to noncurrent loans | 52.1605% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 2.2075% | 3,249 |
| Noncurrent loans to loans | 3.0976% | 2,590 |
| Net loans and leases to total assets | 63.8470% | 4,296 |
| Net loans and leases to deposits | 78.2008% | 3,930 |
| Net loans and leases to core deposits | 82.8965% | 4,297 |
| Total domestic deposits to total assets | 81.6449% | 5,130 |
| Equity capital to assets | 12.9622% | 1,589 |
| Core capital (leverage) ratio | 12.4185% | 1,438 |
| Tier 1 risk-based capital ratio | 20.8345% | 1,371 |
| Total risk-based capital ratio | 22.0911% | 1,338 |
| Memoranda: | ||
| Average total assets | $80,626,000 | 5,680 |
| Average earning assets | $73,789,000 | 5,650 |
| Average equity | $10,296,000 | 5,119 |
| Average total loans | $52,414,330 | 5,494 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7176% | 1,714 |
| Cost of funding earning assets | 1.5460% | 3,294 |
| Net interest margin | 4.1716% | 2,149 |
| Noninterest income to average assets | 1.0366% | 1,187 |
| Noninterest expense to average assets | 3.7398% | 1,435 |
| Loan and lease loss provision to assets | 0.2083% | 4,420 |
| Net operating income to assets | 0.7341% | 3,286 |
| Return on assets (ROA) | 0.7341% | 3,391 |
| Pretax return on assets | 0.9027% | 3,461 |
| Return on Equity (ROE) | 5.7920% | 3,970 |
| Retained earnings to average equity (ytd only) | 5.7920% | 2,721 |
| Net charge-offs to loans | 0.4498% | 2,702 |
| Credit loss provision to net charge-offs | 71.1864% | 4,077 |
| Earnings coverage of net charge-offs (x) | 3.7966% | 2,780 |
| Efficiency ratio | 77.0961% | 3,046 |
| Assets per employee ($millions) | 2.5932% | 7,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 4,714 |
| Loan loss allowance to noncurrent loans | 34.1239% | 6,119 |
| Noncurrent assets plus other real estate owned to assets | 2.6807% | 2,718 |
| Noncurrent loans to loans | 3.9375% | 2,010 |
| Net loans and leases to total assets | 64.3923% | 4,244 |
| Net loans and leases to deposits | 79.2216% | 3,799 |
| Net loans and leases to core deposits | 83.4206% | 4,278 |
| Total domestic deposits to total assets | 81.2813% | 5,355 |
| Equity capital to assets | 12.7976% | 1,601 |
| Core capital (leverage) ratio | 12.4986% | 1,405 |
| Tier 1 risk-based capital ratio | 20.4491% | 1,435 |
| Total risk-based capital ratio | 21.7015% | 1,405 |
| Memoranda: | ||
| Average total assets | $80,645,000 | 5,748 |
| Average earning assets | $73,737,500 | 5,716 |
| Average equity | $10,221,000 | 5,171 |
| Average total loans | $52,472,500 | 5,558 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2087% | 1,220 |
| Cost of funding earning assets | 1.8866% | 3,532 |
| Net interest margin | 4.3220% | 1,654 |
| Noninterest income to average assets | 1.3121% | 871 |
| Noninterest expense to average assets | 4.0143% | 1,344 |
| Loan and lease loss provision to assets | 0.3316% | 4,823 |
| Net operating income to assets | 0.7490% | 2,726 |
| Return on assets (ROA) | 0.7490% | 2,818 |
| Pretax return on assets | 0.9194% | 2,860 |
| Return on Equity (ROE) | 5.8658% | 3,268 |
| Retained earnings to average equity (ytd only) | 4.2670% | 2,238 |
| Net charge-offs to loans | 0.4028% | 4,211 |
| Credit loss provision to net charge-offs | 128.1407% | 4,032 |
| Earnings coverage of net charge-offs (x) | 4.8342% | 2,795 |
| Efficiency ratio | 76.2410% | 3,486 |
| Assets per employee ($millions) | 2.6097% | 7,027 |
| Cash dividends to net income (ytd only)* | 27.2569% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 4,356 |
| Loan loss allowance to noncurrent loans | 56.7504% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 1.5995% | 3,977 |
| Noncurrent loans to loans | 2.4278% | 3,125 |
| Net loans and leases to total assets | 63.9703% | 4,602 |
| Net loans and leases to deposits | 79.4217% | 4,100 |
| Net loans and leases to core deposits | 108.2067% | 3,084 |
| Total domestic deposits to total assets | 80.5451% | 5,493 |
| Equity capital to assets | 12.5513% | 1,724 |
| Core capital (leverage) ratio | 12.4979% | 1,458 |
| Tier 1 risk-based capital ratio | 20.2414% | 1,416 |
| Total risk-based capital ratio | 21.4957% | 1,380 |
| Memoranda: | ||
| Average total assets | $76,901,000 | 5,811 |
| Average earning assets | $70,337,000 | 5,803 |
| Average equity | $9,819,600 | 5,349 |
| Average total loans | $49,406,800 | 5,701 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2487% | 1,247 |
| Cost of funding earning assets | 1.9748% | 3,488 |
| Net interest margin | 4.2739% | 1,793 |
| Noninterest income to average assets | 1.3087% | 906 |
| Noninterest expense to average assets | 4.1263% | 1,109 |
| Loan and lease loss provision to assets | 0.2740% | 4,778 |
| Net operating income to assets | 0.6868% | 3,253 |
| Return on assets (ROA) | 0.6868% | 3,308 |
| Pretax return on assets | 0.8203% | 3,476 |
| Return on Equity (ROE) | 5.3546% | 3,811 |
| Retained earnings to average equity (ytd only) | 4.1358% | 2,970 |
| Net charge-offs to loans | 0.5099% | 3,182 |
| Credit loss provision to net charge-offs | 83.8710% | 5,656 |
| Earnings coverage of net charge-offs (x) | 3.3495% | 3,565 |
| Efficiency ratio | 79.0377% | 2,989 |
| Assets per employee ($millions) | 2.4463% | 7,311 |
| Cash dividends to net income (ytd only)* | 22.7615% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 4,729 |
| Loan loss allowance to noncurrent loans | 50.9600% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 1.8264% | 3,612 |
| Noncurrent loans to loans | 2.4799% | 3,041 |
| Net loans and leases to total assets | 65.6289% | 4,500 |
| Net loans and leases to deposits | 82.1067% | 4,000 |
| Net loans and leases to core deposits | 112.3910% | 2,983 |
| Total domestic deposits to total assets | 79.9312% | 5,457 |
| Equity capital to assets | 13.3594% | 1,549 |
| Core capital (leverage) ratio | 12.7131% | 1,492 |
| Tier 1 risk-based capital ratio | 20.7731% | 1,403 |
| Total risk-based capital ratio | 22.0243% | 1,368 |
| Memoranda: | ||
| Average total assets | $75,901,250 | 5,878 |
| Average earning assets | $69,474,000 | 5,862 |
| Average equity | $9,736,000 | 5,421 |
| Average total loans | $48,639,750 | 5,776 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2374% | 1,365 |
| Cost of funding earning assets | 2.0628% | 3,459 |
| Net interest margin | 4.1746% | 2,079 |
| Noninterest income to average assets | 1.2934% | 911 |
| Noninterest expense to average assets | 4.0910% | 1,199 |
| Loan and lease loss provision to assets | 0.1080% | 6,079 |
| Net operating income to assets | 0.7455% | 3,065 |
| Return on assets (ROA) | 0.7455% | 3,169 |
| Pretax return on assets | 0.9114% | 3,300 |
| Return on Equity (ROE) | 5.8932% | 3,702 |
| Retained earnings to average equity (ytd only) | 4.0398% | 3,038 |
| Net charge-offs to loans | 0.5453% | 2,692 |
| Credit loss provision to net charge-offs | 31.2977% | 6,016 |
| Earnings coverage of net charge-offs (x) | 2.9542% | 3,625 |
| Efficiency ratio | 80.0515% | 3,035 |
| Assets per employee ($millions) | 2.4834% | 7,287 |
| Cash dividends to net income (ytd only)* | 31.4488% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 5,128 |
| Loan loss allowance to noncurrent loans | 53.7244% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 1.4600% | 4,054 |
| Noncurrent loans to loans | 2.1834% | 3,277 |
| Net loans and leases to total assets | 63.1448% | 5,155 |
| Net loans and leases to deposits | 77.1815% | 5,002 |
| Net loans and leases to core deposits | 104.8034% | 3,979 |
| Total domestic deposits to total assets | 81.8133% | 4,767 |
| Equity capital to assets | 12.6414% | 1,857 |
| Core capital (leverage) ratio | 12.4930% | 1,626 |
| Tier 1 risk-based capital ratio | 21.2410% | 1,358 |
| Total risk-based capital ratio | 22.4905% | 1,327 |
| Memoranda: | ||
| Average total assets | $75,923,670 | 5,922 |
| Average earning assets | $69,420,330 | 5,905 |
| Average equity | $9,604,330 | 5,485 |
| Average total loans | $48,051,000 | 5,846 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1199% | 1,877 |
| Cost of funding earning assets | 2.1211% | 3,553 |
| Net interest margin | 3.9988% | 2,647 |
| Noninterest income to average assets | 1.1354% | 1,146 |
| Noninterest expense to average assets | 4.2232% | 919 |
| Loan and lease loss provision to assets | 0.0796% | 5,958 |
| Net operating income to assets | 0.4616% | 4,610 |
| Return on assets (ROA) | 0.4616% | 4,787 |
| Pretax return on assets | 0.4934% | 5,097 |
| Return on Equity (ROE) | 3.6476% | 5,107 |
| Retained earnings to average equity (ytd only) | 3.6476% | 3,870 |
| Net charge-offs to loans | 0.3791% | 2,574 |
| Credit loss provision to net charge-offs | 33.3333% | 4,911 |
| Earnings coverage of net charge-offs (x) | 2.4000% | 3,533 |
| Efficiency ratio | 88.0531% | 1,893 |
| Assets per employee ($millions) | 2.5241% | 7,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 3,858 |
| Loan loss allowance to noncurrent loans | 74.5029% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.1410% | 4,392 |
| Noncurrent loans to loans | 1.7978% | 3,564 |
| Net loans and leases to total assets | 61.9653% | 5,335 |
| Net loans and leases to deposits | 73.1693% | 5,591 |
| Net loans and leases to core deposits | 97.2920% | 4,818 |
| Total domestic deposits to total assets | 84.6876% | 3,372 |
| Equity capital to assets | 12.6963% | 1,891 |
| Core capital (leverage) ratio | 12.5684% | 1,663 |
| Tier 1 risk-based capital ratio | 21.7603% | 1,328 |
| Total risk-based capital ratio | 23.0134% | 1,296 |
| Memoranda: | ||
| Average total assets | $75,393,000 | 5,963 |
| Average earning assets | $69,020,500 | 5,948 |
| Average equity | $9,540,500 | 5,524 |
| Average total loans | $47,482,000 | 5,891 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7732% | 1,778 |
| Cost of funding earning assets | 2.6776% | 3,278 |
| Net interest margin | 4.0956% | 2,731 |
| Noninterest income to average assets | 1.3063% | 856 |
| Noninterest expense to average assets | 3.7039% | 1,950 |
| Loan and lease loss provision to assets | 0.0481% | 6,816 |
| Net operating income to assets | 0.9630% | 2,727 |
| Return on assets (ROA) | 0.9630% | 2,605 |
| Pretax return on assets | 1.2849% | 2,362 |
| Return on Equity (ROE) | 7.9423% | 3,100 |
| Retained earnings to average equity (ytd only) | 6.4111% | 1,361 |
| Net charge-offs to loans | 0.1350% | 4,872 |
| Credit loss provision to net charge-offs | 57.1429% | 6,262 |
| Earnings coverage of net charge-offs (x) | 15.8413% | 1,897 |
| Efficiency ratio | 73.5349% | 3,655 |
| Assets per employee ($millions) | 2.5884% | 7,032 |
| Cash dividends to net income (ytd only)* | 19.2788% | 4,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4070% | 3,155 |
| Loan loss allowance to noncurrent loans | 132.3413% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.6928% | 5,144 |
| Noncurrent loans to loans | 1.0632% | 4,449 |
| Net loans and leases to total assets | 62.2650% | 5,584 |
| Net loans and leases to deposits | 73.5719% | 5,889 |
| Net loans and leases to core deposits | 98.1561% | 5,025 |
| Total domestic deposits to total assets | 84.6316% | 3,014 |
| Equity capital to assets | 12.6121% | 1,962 |
| Core capital (leverage) ratio | 12.6687% | 1,678 |
| Tier 1 risk-based capital ratio | 21.6766% | 1,359 |
| Total risk-based capital ratio | 22.9297% | 1,323 |
| Memoranda: | ||
| Average total assets | $74,867,400 | 5,880 |
| Average earning assets | $68,195,600 | 5,888 |
| Average equity | $9,078,000 | 5,714 |
| Average total loans | $46,675,800 | 5,837 |