Home > Caldwell Bank & Trust Company > Performance and Condition Ratios
Caldwell Bank & Trust Company, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5640% | 187 |
| Cost of funding earning assets | 2.7675% | 523 |
| Net interest margin | 4.7965% | 411 |
| Noninterest income to average assets | 0.5200% | 1,653 |
| Noninterest expense to average assets | 3.5374% | 576 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 1.2407% | 1,631 |
| Return on assets (ROA) | 1.2407% | 1,630 |
| Pretax return on assets | 1.2407% | 2,130 |
| Return on Equity (ROE) | 14.0300% | 1,256 |
| Retained earnings to average equity (ytd only) | 13.2361% | 613 |
| Net charge-offs to loans | 0.3021% | 395 |
| Credit loss provision to net charge-offs | 12.1212% | 1,683 |
| Earnings coverage of net charge-offs (x) | 5.4545% | 1,909 |
| Efficiency ratio | 73.5993% | 1,473 |
| Assets per employee ($millions) | 5.2832% | 3,478 |
| Cash dividends to net income (ytd only)* | 5.6818% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 2,449 |
| Loan loss allowance to noncurrent loans | 47.0311% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 2.1402% | 193 |
| Noncurrent loans to loans | 2.4511% | 319 |
| Net loans and leases to total assets | 76.6600% | 1,000 |
| Net loans and leases to deposits | 85.6813% | 1,521 |
| Net loans and leases to core deposits | 103.7665% | 1,147 |
| Total domestic deposits to total assets | 89.4800% | 998 |
| Equity capital to assets | 8.9457% | 2,978 |
| Core capital (leverage) ratio | 9.3781% | 3,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $283,714,000 | 2,556 |
| Average earning assets | $253,516,000 | 2,607 |
| Average equity | $25,083,000 | 2,683 |
| Average total loans | $218,440,500 | 2,296 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5430% | 231 |
| Cost of funding earning assets | 3.0254% | 475 |
| Net interest margin | 4.5176% | 627 |
| Noninterest income to average assets | 0.9200% | 721 |
| Noninterest expense to average assets | 3.7532% | 455 |
| Loan and lease loss provision to assets | 0.4700% | 224 |
| Net operating income to assets | 0.7828% | 2,739 |
| Return on assets (ROA) | 0.7828% | 2,751 |
| Pretax return on assets | 0.7828% | 3,093 |
| Return on Equity (ROE) | 9.0300% | 2,459 |
| Retained earnings to average equity (ytd only) | 6.0144% | 1,824 |
| Net charge-offs to loans | 0.1142% | 1,077 |
| Credit loss provision to net charge-offs | 538.7931% | 601 |
| Earnings coverage of net charge-offs (x) | 14.4440% | 2,058 |
| Efficiency ratio | 75.0391% | 1,451 |
| Assets per employee ($millions) | 4.8571% | 3,739 |
| Cash dividends to net income (ytd only)* | 33.3651% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2968% | 1,689 |
| Loan loss allowance to noncurrent loans | 34.3218% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 2.9012% | 90 |
| Noncurrent loans to loans | 3.7785% | 117 |
| Net loans and leases to total assets | 75.4100% | 1,228 |
| Net loans and leases to deposits | 84.0687% | 1,771 |
| Net loans and leases to core deposits | 102.5811% | 1,298 |
| Total domestic deposits to total assets | 89.7000% | 914 |
| Equity capital to assets | 8.7310% | 3,026 |
| Core capital (leverage) ratio | 8.3972% | 4,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $268,409,800 | 2,606 |
| Average earning assets | $242,542,800 | 2,636 |
| Average equity | $23,277,400 | 2,745 |
| Average total loans | $203,126,000 | 2,347 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3436% | 275 |
| Cost of funding earning assets | 2.9070% | 586 |
| Net interest margin | 4.4367% | 682 |
| Noninterest income to average assets | 0.8500% | 805 |
| Noninterest expense to average assets | 3.6499% | 488 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 1.1791% | 1,563 |
| Return on assets (ROA) | 1.1791% | 1,568 |
| Pretax return on assets | 1.1791% | 2,043 |
| Return on Equity (ROE) | 13.6200% | 1,226 |
| Retained earnings to average equity (ytd only) | 12.4575% | 452 |
| Net charge-offs to loans | 0.0411% | 1,529 |
| Credit loss provision to net charge-offs | 122.5806% | 1,473 |
| Earnings coverage of net charge-offs (x) | 39.2097% | 1,355 |
| Efficiency ratio | 74.9923% | 1,482 |
| Assets per employee ($millions) | 5.1579% | 3,540 |
| Cash dividends to net income (ytd only)* | 8.5350% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 3,938 |
| Loan loss allowance to noncurrent loans | 23.0912% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 2.5752% | 114 |
| Noncurrent loans to loans | 3.3933% | 154 |
| Net loans and leases to total assets | 74.9000% | 1,264 |
| Net loans and leases to deposits | 83.2744% | 1,867 |
| Net loans and leases to core deposits | 99.1539% | 1,533 |
| Total domestic deposits to total assets | 89.9400% | 608 |
| Equity capital to assets | 8.2724% | 3,553 |
| Core capital (leverage) ratio | 9.1131% | 3,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $266,298,750 | 2,609 |
| Average earning assets | $241,345,500 | 2,639 |
| Average equity | $23,053,750 | 2,750 |
| Average total loans | $201,028,750 | 2,349 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1836% | 309 |
| Cost of funding earning assets | 2.6769% | 797 |
| Net interest margin | 4.5067% | 618 |
| Noninterest income to average assets | 0.9800% | 619 |
| Noninterest expense to average assets | 3.7166% | 457 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 1.3218% | 1,221 |
| Return on assets (ROA) | 1.3218% | 1,232 |
| Pretax return on assets | 1.3218% | 1,643 |
| Return on Equity (ROE) | 15.0100% | 976 |
| Retained earnings to average equity (ytd only) | 13.6801% | 383 |
| Net charge-offs to loans | 0.0546% | 1,235 |
| Credit loss provision to net charge-offs | 77.3585% | 1,674 |
| Earnings coverage of net charge-offs (x) | 32.8302% | 1,352 |
| Efficiency ratio | 73.3006% | 1,722 |
| Assets per employee ($millions) | 5.1752% | 3,481 |
| Cash dividends to net income (ytd only)* | 8.8876% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7836% | 3,964 |
| Loan loss allowance to noncurrent loans | 29.7241% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 2.0468% | 179 |
| Noncurrent loans to loans | 2.6363% | 237 |
| Net loans and leases to total assets | 76.2000% | 1,150 |
| Net loans and leases to deposits | 86.2888% | 1,628 |
| Net loans and leases to core deposits | 104.3728% | 1,238 |
| Total domestic deposits to total assets | 88.3100% | 1,217 |
| Equity capital to assets | 8.2294% | 3,281 |
| Core capital (leverage) ratio | 9.3070% | 3,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $257,065,000 | 2,660 |
| Average earning assets | $233,255,000 | 2,682 |
| Average equity | $22,631,333 | 2,743 |
| Average total loans | $194,058,667 | 2,397 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1654% | 287 |
| Cost of funding earning assets | 2.6422% | 781 |
| Net interest margin | 4.5233% | 567 |
| Noninterest income to average assets | 0.5800% | 1,433 |
| Noninterest expense to average assets | 3.5827% | 504 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 1.0622% | 1,767 |
| Return on assets (ROA) | 1.0622% | 1,771 |
| Pretax return on assets | 1.0622% | 2,227 |
| Return on Equity (ROE) | 11.6200% | 1,682 |
| Retained earnings to average equity (ytd only) | 10.7218% | 952 |
| Net charge-offs to loans | -0.0110% | 3,951 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 76.5636% | 1,490 |
| Assets per employee ($millions) | 4.4847% | 3,946 |
| Cash dividends to net income (ytd only)* | 7.7399% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9273% | 3,611 |
| Loan loss allowance to noncurrent loans | 26.0378% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 2.8013% | 84 |
| Noncurrent loans to loans | 3.5615% | 117 |
| Net loans and leases to total assets | 77.2000% | 931 |
| Net loans and leases to deposits | 86.9268% | 1,458 |
| Net loans and leases to core deposits | 105.9905% | 1,107 |
| Total domestic deposits to total assets | 88.8100% | 1,159 |
| Equity capital to assets | 9.2871% | 2,478 |
| Core capital (leverage) ratio | 9.2149% | 3,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $243,279,000 | 2,744 |
| Average earning assets | $220,726,000 | 2,762 |
| Average equity | $22,235,000 | 2,776 |
| Average total loans | $181,785,500 | 2,484 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3210% | 421 |
| Cost of funding earning assets | 2.1585% | 693 |
| Net interest margin | 4.1625% | 988 |
| Noninterest income to average assets | 0.8800% | 794 |
| Noninterest expense to average assets | 3.5885% | 519 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.0380% | 2,101 |
| Return on assets (ROA) | 1.0380% | 2,079 |
| Pretax return on assets | 1.0380% | 2,567 |
| Return on Equity (ROE) | 11.9100% | 1,974 |
| Retained earnings to average equity (ytd only) | 9.3558% | 1,170 |
| Net charge-offs to loans | 0.0776% | 1,091 |
| Credit loss provision to net charge-offs | 74.6269% | 2,059 |
| Earnings coverage of net charge-offs (x) | 19.0149% | 1,914 |
| Efficiency ratio | 76.8595% | 1,176 |
| Assets per employee ($millions) | 4.6110% | 3,889 |
| Cash dividends to net income (ytd only)* | 21.4461% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9865% | 3,379 |
| Loan loss allowance to noncurrent loans | 60.5476% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.1916% | 368 |
| Noncurrent loans to loans | 1.6293% | 395 |
| Net loans and leases to total assets | 70.8400% | 1,719 |
| Net loans and leases to deposits | 79.4023% | 2,156 |
| Net loans and leases to core deposits | 98.1046% | 1,539 |
| Total domestic deposits to total assets | 89.2200% | 996 |
| Equity capital to assets | 8.9937% | 2,678 |
| Core capital (leverage) ratio | 9.2238% | 3,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $235,839,000 | 2,761 |
| Average earning assets | $214,917,800 | 2,773 |
| Average equity | $20,554,200 | 2,810 |
| Average total loans | $172,690,400 | 2,505 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2156% | 415 |
| Cost of funding earning assets | 2.0048% | 701 |
| Net interest margin | 4.2108% | 907 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 3.4995% | 558 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.9476% | 2,521 |
| Return on assets (ROA) | 0.9476% | 2,509 |
| Pretax return on assets | 0.9476% | 2,984 |
| Return on Equity (ROE) | 10.9600% | 2,382 |
| Retained earnings to average equity (ytd only) | 9.4792% | 1,556 |
| Net charge-offs to loans | 0.0263% | 1,539 |
| Credit loss provision to net charge-offs | 294.1176% | 901 |
| Earnings coverage of net charge-offs (x) | 51.7941% | 1,296 |
| Efficiency ratio | 77.6947% | 1,034 |
| Assets per employee ($millions) | 4.5898% | 3,885 |
| Cash dividends to net income (ytd only)* | 13.5461% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 3,304 |
| Loan loss allowance to noncurrent loans | 34.7752% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 2.1800% | 115 |
| Noncurrent loans to loans | 2.9111% | 146 |
| Net loans and leases to total assets | 73.3600% | 1,427 |
| Net loans and leases to deposits | 82.0851% | 1,894 |
| Net loans and leases to core deposits | 103.7271% | 1,132 |
| Total domestic deposits to total assets | 89.3700% | 1,129 |
| Equity capital to assets | 8.6409% | 2,636 |
| Core capital (leverage) ratio | 9.1738% | 3,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $233,703,000 | 2,783 |
| Average earning assets | $213,413,000 | 2,793 |
| Average equity | $20,198,000 | 2,828 |
| Average total loans | $172,148,750 | 2,512 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8683% | 377 |
| Cost of funding earning assets | 1.1443% | 1,616 |
| Net interest margin | 4.7239% | 424 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 3.6369% | 468 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.2511% | 1,795 |
| Return on assets (ROA) | 1.2511% | 1,768 |
| Pretax return on assets | 1.2511% | 2,297 |
| Return on Equity (ROE) | 14.5300% | 1,656 |
| Retained earnings to average equity (ytd only) | 12.9945% | 1,096 |
| Net charge-offs to loans | 0.0391% | 969 |
| Credit loss provision to net charge-offs | 437.5000% | 589 |
| Earnings coverage of net charge-offs (x) | 48.6875% | 1,111 |
| Efficiency ratio | 72.5704% | 1,486 |
| Assets per employee ($millions) | 4.4237% | 4,064 |
| Cash dividends to net income (ytd only)* | 10.5783% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0668% | 3,224 |
| Loan loss allowance to noncurrent loans | 43.1872% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 1.8558% | 141 |
| Noncurrent loans to loans | 2.4701% | 199 |
| Net loans and leases to total assets | 73.0900% | 1,312 |
| Net loans and leases to deposits | 81.5255% | 1,703 |
| Net loans and leases to core deposits | 110.8051% | 677 |
| Total domestic deposits to total assets | 89.6600% | 1,276 |
| Equity capital to assets | 8.6574% | 2,775 |
| Core capital (leverage) ratio | 9.0241% | 3,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $226,675,000 | 2,859 |
| Average earning assets | $207,284,500 | 2,884 |
| Average equity | $19,516,000 | 2,931 |
| Average total loans | $163,520,000 | 2,598 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4012% | 176 |
| Cost of funding earning assets | 0.7280% | 513 |
| Net interest margin | 4.6732% | 215 |
| Noninterest income to average assets | 0.8800% | 826 |
| Noninterest expense to average assets | 3.6508% | 433 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.4109% | 1,103 |
| Return on assets (ROA) | 1.4183% | 1,049 |
| Pretax return on assets | 1.4183% | 1,719 |
| Return on Equity (ROE) | 15.9200% | 1,072 |
| Retained earnings to average equity (ytd only) | 5.1008% | 3,004 |
| Net charge-offs to loans | 0.0325% | 1,421 |
| Credit loss provision to net charge-offs | 358.0000% | 825 |
| Earnings coverage of net charge-offs (x) | 65.2000% | 1,197 |
| Efficiency ratio | 70.9758% | 1,565 |
| Assets per employee ($millions) | 4.2135% | 4,193 |
| Cash dividends to net income (ytd only)* | 67.9690% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 2,792 |
| Loan loss allowance to noncurrent loans | 67.7059% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 1.2771% | 287 |
| Noncurrent loans to loans | 1.6539% | 383 |
| Net loans and leases to total assets | 69.5600% | 1,677 |
| Net loans and leases to deposits | 77.3562% | 2,009 |
| Net loans and leases to core deposits | 98.8368% | 1,060 |
| Total domestic deposits to total assets | 89.9200% | 1,399 |
| Equity capital to assets | 8.5605% | 2,668 |
| Core capital (leverage) ratio | 9.1040% | 3,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $218,363,800 | 2,915 |
| Average earning assets | $199,176,600 | 2,942 |
| Average equity | $19,447,800 | 3,001 |
| Average total loans | $153,805,600 | 2,601 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1536% | 172 |
| Cost of funding earning assets | 0.6646% | 312 |
| Net interest margin | 4.4890% | 244 |
| Noninterest income to average assets | 0.8700% | 884 |
| Noninterest expense to average assets | 3.5260% | 477 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.3393% | 1,242 |
| Return on assets (ROA) | 1.3491% | 1,193 |
| Pretax return on assets | 1.3491% | 1,888 |
| Return on Equity (ROE) | 15.0000% | 1,175 |
| Retained earnings to average equity (ytd only) | 13.2576% | 576 |
| Net charge-offs to loans | 0.0357% | 1,149 |
| Credit loss provision to net charge-offs | 385.3659% | 724 |
| Earnings coverage of net charge-offs (x) | 57.0488% | 1,204 |
| Efficiency ratio | 71.0556% | 1,634 |
| Assets per employee ($millions) | 4.1993% | 4,220 |
| Cash dividends to net income (ytd only)* | 11.6067% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0591% | 3,206 |
| Loan loss allowance to noncurrent loans | 82.2505% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 1.3282% | 281 |
| Noncurrent loans to loans | 1.2877% | 568 |
| Net loans and leases to total assets | 73.3300% | 1,152 |
| Net loans and leases to deposits | 82.1482% | 1,435 |
| Net loans and leases to core deposits | 106.7286% | 567 |
| Total domestic deposits to total assets | 89.2600% | 1,979 |
| Equity capital to assets | 8.9651% | 2,236 |
| Core capital (leverage) ratio | 9.6574% | 2,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $217,125,750 | 2,949 |
| Average earning assets | $197,811,500 | 2,975 |
| Average equity | $19,530,500 | 3,036 |
| Average total loans | $152,985,000 | 2,605 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9689% | 179 |
| Cost of funding earning assets | 0.6031% | 266 |
| Net interest margin | 4.3657% | 240 |
| Noninterest income to average assets | 0.9818% | 703 |
| Noninterest expense to average assets | 3.4359% | 460 |
| Loan and lease loss provision to assets | 0.0975% | 1,028 |
| Net operating income to assets | 1.4221% | 854 |
| Return on assets (ROA) | 1.4370% | 804 |
| Pretax return on assets | 1.4370% | 1,340 |
| Return on Equity (ROE) | 15.9570% | 709 |
| Retained earnings to average equity (ytd only) | 14.2860% | 330 |
| Net charge-offs to loans | -0.0040% | 3,276 |
| Credit loss provision to net charge-offs | -3,500.0000% | 3,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3346% | 2,061 |
| Assets per employee ($millions) | 3.6827% | 4,500 |
| Cash dividends to net income (ytd only)* | 10.4719% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0302% | 3,467 |
| Loan loss allowance to noncurrent loans | 93.1404% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 1.1467% | 373 |
| Noncurrent loans to loans | 1.1061% | 746 |
| Net loans and leases to total assets | 74.3245% | 883 |
| Net loans and leases to deposits | 83.0442% | 1,178 |
| Net loans and leases to core deposits | 100.7033% | 643 |
| Total domestic deposits to total assets | 89.4999% | 1,949 |
| Equity capital to assets | 8.7382% | 2,585 |
| Core capital (leverage) ratio | 9.3638% | 3,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,313,667 | 2,985 |
| Average earning assets | $195,980,667 | 3,020 |
| Average equity | $19,389,667 | 3,117 |
| Average total loans | $148,996,667 | 2,654 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9307% | 168 |
| Cost of funding earning assets | 0.6051% | 256 |
| Net interest margin | 4.3256% | 226 |
| Noninterest income to average assets | 1.0653% | 603 |
| Noninterest expense to average assets | 3.4180% | 460 |
| Loan and lease loss provision to assets | 0.0760% | 1,086 |
| Net operating income to assets | 1.5077% | 622 |
| Return on assets (ROA) | 1.5381% | 579 |
| Pretax return on assets | 1.5381% | 941 |
| Return on Equity (ROE) | 16.8141% | 442 |
| Retained earnings to average equity (ytd only) | 15.1950% | 275 |
| Net charge-offs to loans | -0.0287% | 4,069 |
| Credit loss provision to net charge-offs | -400.0000% | 3,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3371% | 2,459 |
| Assets per employee ($millions) | 4.2780% | 4,262 |
| Cash dividends to net income (ytd only)* | 9.6296% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 3,142 |
| Loan loss allowance to noncurrent loans | 67.7693% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 1.6713% | 202 |
| Noncurrent loans to loans | 1.6848% | 465 |
| Net loans and leases to total assets | 68.0017% | 1,213 |
| Net loans and leases to deposits | 76.1720% | 1,425 |
| Net loans and leases to core deposits | 93.1264% | 770 |
| Total domestic deposits to total assets | 89.2739% | 1,941 |
| Equity capital to assets | 9.0272% | 2,687 |
| Core capital (leverage) ratio | 9.4843% | 2,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,647,500 | 3,037 |
| Average earning assets | $191,698,000 | 3,065 |
| Average equity | $19,269,500 | 3,214 |
| Average total loans | $139,142,500 | 2,759 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3520% | 156 |
| Cost of funding earning assets | 0.7643% | 245 |
| Net interest margin | 4.5877% | 231 |
| Noninterest income to average assets | 1.3629% | 589 |
| Noninterest expense to average assets | 3.4792% | 492 |
| Loan and lease loss provision to assets | 0.3353% | 229 |
| Net operating income to assets | 1.7374% | 586 |
| Return on assets (ROA) | 1.7730% | 566 |
| Pretax return on assets | 1.7730% | 972 |
| Return on Equity (ROE) | 18.8570% | 392 |
| Retained earnings to average equity (ytd only) | 0.3740% | 4,398 |
| Net charge-offs to loans | 0.0515% | 1,298 |
| Credit loss provision to net charge-offs | 981.1594% | 544 |
| Earnings coverage of net charge-offs (x) | 60.6522% | 1,165 |
| Efficiency ratio | 62.6673% | 2,767 |
| Assets per employee ($millions) | 4.7135% | 3,957 |
| Cash dividends to net income (ytd only)* | 98.0168% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 2,661 |
| Loan loss allowance to noncurrent loans | 34.1218% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 2.4571% | 107 |
| Noncurrent loans to loans | 3.6424% | 135 |
| Net loans and leases to total assets | 62.4506% | 1,889 |
| Net loans and leases to deposits | 70.1226% | 2,120 |
| Net loans and leases to core deposits | 87.3789% | 1,119 |
| Total domestic deposits to total assets | 89.0591% | 1,481 |
| Equity capital to assets | 9.2721% | 3,347 |
| Core capital (leverage) ratio | 9.1627% | 3,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,915,200 | 3,053 |
| Average earning assets | $184,360,600 | 3,070 |
| Average equity | $18,985,000 | 3,302 |
| Average total loans | $133,855,600 | 2,804 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5643% | 135 |
| Cost of funding earning assets | 0.7993% | 241 |
| Net interest margin | 4.7650% | 206 |
| Noninterest income to average assets | 1.5983% | 490 |
| Noninterest expense to average assets | 3.2983% | 603 |
| Loan and lease loss provision to assets | 0.4413% | 139 |
| Net operating income to assets | 2.2106% | 319 |
| Return on assets (ROA) | 2.2585% | 305 |
| Pretax return on assets | 2.2585% | 492 |
| Return on Equity (ROE) | 23.9341% | 207 |
| Retained earnings to average equity (ytd only) | 19.9533% | 130 |
| Net charge-offs to loans | 0.0773% | 894 |
| Credit loss provision to net charge-offs | 851.2821% | 565 |
| Earnings coverage of net charge-offs (x) | 51.1410% | 1,232 |
| Efficiency ratio | 55.4302% | 3,603 |
| Assets per employee ($millions) | 4.7277% | 3,938 |
| Cash dividends to net income (ytd only)* | 16.6323% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 2,802 |
| Loan loss allowance to noncurrent loans | 57.1226% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 1.7425% | 250 |
| Noncurrent loans to loans | 2.1679% | 384 |
| Net loans and leases to total assets | 64.5842% | 1,700 |
| Net loans and leases to deposits | 73.7263% | 1,886 |
| Net loans and leases to core deposits | 95.2007% | 783 |
| Total domestic deposits to total assets | 87.6000% | 2,057 |
| Equity capital to assets | 10.4500% | 2,493 |
| Core capital (leverage) ratio | 10.2905% | 2,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,545,000 | 3,096 |
| Average earning assets | $183,163,250 | 3,113 |
| Average equity | $18,923,750 | 3,345 |
| Average total loans | $134,532,000 | 2,831 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3099% | 213 |
| Cost of funding earning assets | 0.8374% | 243 |
| Net interest margin | 4.4725% | 369 |
| Noninterest income to average assets | 0.3837% | 3,198 |
| Noninterest expense to average assets | 2.9999% | 984 |
| Loan and lease loss provision to assets | 0.2674% | 354 |
| Net operating income to assets | 1.1988% | 2,196 |
| Return on assets (ROA) | 1.2703% | 2,027 |
| Pretax return on assets | 1.2703% | 2,708 |
| Return on Equity (ROE) | 13.9558% | 1,424 |
| Retained earnings to average equity (ytd only) | 8.6050% | 1,853 |
| Net charge-offs to loans | -0.0118% | 3,731 |
| Credit loss provision to net charge-offs | -3,362.5000% | 3,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1712% | 1,988 |
| Assets per employee ($millions) | 4.8882% | 3,758 |
| Cash dividends to net income (ytd only)* | 38.3412% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8944% | 4,169 |
| Loan loss allowance to noncurrent loans | 46.7266% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 1.7244% | 281 |
| Noncurrent loans to loans | 1.9141% | 520 |
| Net loans and leases to total assets | 71.8211% | 993 |
| Net loans and leases to deposits | 80.7768% | 1,356 |
| Net loans and leases to core deposits | 104.5741% | 516 |
| Total domestic deposits to total assets | 88.9131% | 1,324 |
| Equity capital to assets | 9.3361% | 3,477 |
| Core capital (leverage) ratio | 9.2146% | 3,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,205,333 | 3,091 |
| Average earning assets | $183,655,667 | 3,114 |
| Average equity | $18,315,000 | 3,402 |
| Average total loans | $136,093,000 | 2,822 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0137% | 347 |
| Cost of funding earning assets | 0.8809% | 246 |
| Net interest margin | 4.1328% | 689 |
| Noninterest income to average assets | 0.5060% | 2,581 |
| Noninterest expense to average assets | 2.8770% | 1,205 |
| Loan and lease loss provision to assets | 0.2302% | 489 |
| Net operating income to assets | 1.1687% | 2,269 |
| Return on assets (ROA) | 1.3115% | 1,872 |
| Pretax return on assets | 1.3115% | 2,536 |
| Return on Equity (ROE) | 14.5940% | 1,302 |
| Retained earnings to average equity (ytd only) | 7.4184% | 2,447 |
| Net charge-offs to loans | -0.0243% | 4,088 |
| Credit loss provision to net charge-offs | -1,450.0000% | 3,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2854% | 2,031 |
| Assets per employee ($millions) | 5.3383% | 3,293 |
| Cash dividends to net income (ytd only)* | 49.1679% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8414% | 4,322 |
| Loan loss allowance to noncurrent loans | 23.9599% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 2.9312% | 104 |
| Noncurrent loans to loans | 3.5116% | 187 |
| Net loans and leases to total assets | 66.5796% | 1,724 |
| Net loans and leases to deposits | 74.4723% | 2,073 |
| Net loans and leases to core deposits | 95.8804% | 889 |
| Total domestic deposits to total assets | 89.4018% | 1,125 |
| Equity capital to assets | 8.9823% | 3,703 |
| Core capital (leverage) ratio | 8.9882% | 3,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6185% | 1,696 |
| Memoranda: | ||
| Average total assets | $201,600,000 | 3,080 |
| Average earning assets | $183,895,500 | 3,105 |
| Average equity | $18,117,000 | 3,411 |
| Average total loans | $131,519,500 | 2,882 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5673% | 169 |
| Cost of funding earning assets | 1.1697% | 311 |
| Net interest margin | 4.3975% | 408 |
| Noninterest income to average assets | 0.6371% | 2,077 |
| Noninterest expense to average assets | 3.4155% | 775 |
| Loan and lease loss provision to assets | 0.4317% | 667 |
| Net operating income to assets | 0.7797% | 3,169 |
| Return on assets (ROA) | 0.8950% | 2,856 |
| Pretax return on assets | 0.8950% | 3,377 |
| Return on Equity (ROE) | 9.2019% | 2,309 |
| Retained earnings to average equity (ytd only) | 1.3398% | 4,094 |
| Net charge-offs to loans | 0.3734% | 463 |
| Credit loss provision to net charge-offs | 163.9511% | 2,347 |
| Earnings coverage of net charge-offs (x) | 4.6008% | 2,961 |
| Efficiency ratio | 73.8178% | 1,477 |
| Assets per employee ($millions) | 5.0086% | 3,381 |
| Cash dividends to net income (ytd only)* | 85.4404% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8058% | 4,415 |
| Loan loss allowance to noncurrent loans | 34.2264% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 2.0495% | 271 |
| Noncurrent loans to loans | 2.3543% | 446 |
| Net loans and leases to total assets | 62.7972% | 2,511 |
| Net loans and leases to deposits | 70.2286% | 2,860 |
| Net loans and leases to core deposits | 90.5871% | 1,484 |
| Total domestic deposits to total assets | 89.4183% | 802 |
| Equity capital to assets | 8.9910% | 4,063 |
| Core capital (leverage) ratio | 9.2069% | 3,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,475,400 | 3,046 |
| Average earning assets | $169,185,200 | 3,077 |
| Average equity | $18,137,600 | 3,352 |
| Average total loans | $131,490,200 | 2,850 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6324% | 173 |
| Cost of funding earning assets | 1.2112% | 352 |
| Net interest margin | 4.4212% | 452 |
| Noninterest income to average assets | 0.6768% | 1,868 |
| Noninterest expense to average assets | 3.3083% | 899 |
| Loan and lease loss provision to assets | 0.4847% | 627 |
| Net operating income to assets | 0.8968% | 2,723 |
| Return on assets (ROA) | 0.8968% | 2,836 |
| Pretax return on assets | 0.8968% | 3,392 |
| Return on Equity (ROE) | 9.0336% | 2,383 |
| Retained earnings to average equity (ytd only) | 7.0449% | 1,671 |
| Net charge-offs to loans | 0.5146% | 288 |
| Credit loss provision to net charge-offs | 129.8828% | 2,445 |
| Earnings coverage of net charge-offs (x) | 3.7031% | 2,891 |
| Efficiency ratio | 70.5453% | 1,814 |
| Assets per employee ($millions) | 4.8256% | 3,458 |
| Cash dividends to net income (ytd only)* | 22.0146% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6199% | 4,697 |
| Loan loss allowance to noncurrent loans | 37.7632% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 1.8868% | 378 |
| Noncurrent loans to loans | 1.6416% | 852 |
| Net loans and leases to total assets | 69.7660% | 1,988 |
| Net loans and leases to deposits | 81.2885% | 2,170 |
| Net loans and leases to core deposits | 106.6230% | 827 |
| Total domestic deposits to total assets | 85.8251% | 2,139 |
| Equity capital to assets | 9.4319% | 3,743 |
| Core capital (leverage) ratio | 9.9327% | 2,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,008,000 | 3,067 |
| Average earning assets | $166,106,000 | 3,094 |
| Average equity | $18,168,750 | 3,350 |
| Average total loans | $132,654,500 | 2,845 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6235% | 265 |
| Cost of funding earning assets | 1.2702% | 405 |
| Net interest margin | 4.3533% | 673 |
| Noninterest income to average assets | 0.6391% | 1,979 |
| Noninterest expense to average assets | 3.3124% | 976 |
| Loan and lease loss provision to assets | 0.4976% | 727 |
| Net operating income to assets | 0.7750% | 3,135 |
| Return on assets (ROA) | 0.8053% | 3,144 |
| Pretax return on assets | 0.8053% | 3,569 |
| Return on Equity (ROE) | 7.9646% | 2,761 |
| Retained earnings to average equity (ytd only) | 5.7874% | 2,163 |
| Net charge-offs to loans | 0.3339% | 485 |
| Credit loss provision to net charge-offs | 203.2110% | 1,894 |
| Earnings coverage of net charge-offs (x) | 5.1972% | 2,534 |
| Efficiency ratio | 72.2440% | 1,644 |
| Assets per employee ($millions) | 4.9440% | 3,246 |
| Cash dividends to net income (ytd only)* | 27.3361% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6326% | 4,697 |
| Loan loss allowance to noncurrent loans | 12.9350% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 4.1884% | 79 |
| Noncurrent loans to loans | 4.8909% | 115 |
| Net loans and leases to total assets | 72.2951% | 1,654 |
| Net loans and leases to deposits | 86.6264% | 1,702 |
| Net loans and leases to core deposits | 113.9532% | 597 |
| Total domestic deposits to total assets | 83.4562% | 2,939 |
| Equity capital to assets | 9.0718% | 4,018 |
| Core capital (leverage) ratio | 10.5593% | 2,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,060,667 | 3,090 |
| Average earning assets | $161,394,333 | 3,118 |
| Average equity | $18,004,667 | 3,362 |
| Average total loans | $130,575,000 | 2,861 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1132% | 143 |
| Cost of funding earning assets | 1.4027% | 392 |
| Net interest margin | 4.7105% | 322 |
| Noninterest income to average assets | 0.6854% | 1,699 |
| Noninterest expense to average assets | 3.6588% | 736 |
| Loan and lease loss provision to assets | 0.4055% | 751 |
| Net operating income to assets | 0.8761% | 2,594 |
| Return on assets (ROA) | 0.8761% | 2,699 |
| Pretax return on assets | 0.8761% | 3,206 |
| Return on Equity (ROE) | 8.1516% | 2,454 |
| Retained earnings to average equity (ytd only) | 8.1516% | 1,187 |
| Net charge-offs to loans | 0.3537% | 402 |
| Credit loss provision to net charge-offs | 155.5556% | 1,566 |
| Earnings coverage of net charge-offs (x) | 4.9167% | 2,100 |
| Efficiency ratio | 74.0596% | 1,805 |
| Assets per employee ($millions) | 4.2158% | 3,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6315% | 4,716 |
| Loan loss allowance to noncurrent loans | 20.6222% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 2.9081% | 209 |
| Noncurrent loans to loans | 3.0621% | 343 |
| Net loans and leases to total assets | 71.7602% | 1,956 |
| Net loans and leases to deposits | 82.0029% | 2,453 |
| Net loans and leases to core deposits | 102.9934% | 1,246 |
| Total domestic deposits to total assets | 87.5094% | 1,328 |
| Equity capital to assets | 10.6641% | 3,181 |
| Core capital (leverage) ratio | 10.7520% | 2,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5526% | 2,058 |
| Memoranda: | ||
| Average total assets | $165,739,000 | 3,171 |
| Average earning assets | $149,709,000 | 3,200 |
| Average equity | $17,812,500 | 3,392 |
| Average total loans | $122,123,500 | 2,930 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2112% | 165 |
| Cost of funding earning assets | 1.3685% | 619 |
| Net interest margin | 4.8427% | 371 |
| Noninterest income to average assets | 0.7125% | 1,769 |
| Noninterest expense to average assets | 3.8787% | 609 |
| Loan and lease loss provision to assets | 0.4552% | 298 |
| Net operating income to assets | 0.7519% | 3,694 |
| Return on assets (ROA) | 0.7756% | 3,708 |
| Pretax return on assets | 0.7756% | 4,033 |
| Return on Equity (ROE) | 6.9301% | 3,570 |
| Retained earnings to average equity (ytd only) | 0.0949% | 4,662 |
| Net charge-offs to loans | 0.6877% | 245 |
| Credit loss provision to net charge-offs | 87.4101% | 2,686 |
| Earnings coverage of net charge-offs (x) | 2.3177% | 3,430 |
| Efficiency ratio | 76.2647% | 1,331 |
| Assets per employee ($millions) | 3.9719% | 3,936 |
| Cash dividends to net income (ytd only)* | 98.6312% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5781% | 4,777 |
| Loan loss allowance to noncurrent loans | 20.8603% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 2.6583% | 229 |
| Noncurrent loans to loans | 2.7713% | 367 |
| Net loans and leases to total assets | 74.7696% | 1,622 |
| Net loans and leases to deposits | 88.6946% | 1,745 |
| Net loans and leases to core deposits | 113.0621% | 713 |
| Total domestic deposits to total assets | 84.3000% | 2,753 |
| Equity capital to assets | 10.8335% | 3,154 |
| Core capital (leverage) ratio | 11.0126% | 2,491 |
| Tier 1 risk-based capital ratio | 15.1551% | 2,718 |
| Total risk-based capital ratio | 15.7658% | 2,912 |
| Memoranda: | ||
| Average total assets | $160,131,800 | 3,202 |
| Average earning assets | $144,610,000 | 3,223 |
| Average equity | $17,921,800 | 3,349 |
| Average total loans | $121,269,600 | 2,930 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1778% | 179 |
| Cost of funding earning assets | 1.3478% | 681 |
| Net interest margin | 4.8300% | 394 |
| Noninterest income to average assets | 0.6773% | 1,882 |
| Noninterest expense to average assets | 3.7561% | 695 |
| Loan and lease loss provision to assets | 0.4749% | 257 |
| Net operating income to assets | 0.8153% | 3,624 |
| Return on assets (ROA) | 0.8470% | 3,609 |
| Pretax return on assets | 0.8470% | 4,015 |
| Return on Equity (ROE) | 7.5069% | 3,503 |
| Retained earnings to average equity (ytd only) | 5.8396% | 2,442 |
| Net charge-offs to loans | 0.5886% | 274 |
| Credit loss provision to net charge-offs | 106.3670% | 2,146 |
| Earnings coverage of net charge-offs (x) | 2.8895% | 3,158 |
| Efficiency ratio | 74.4325% | 1,502 |
| Assets per employee ($millions) | 3.8559% | 4,092 |
| Cash dividends to net income (ytd only)* | 22.2111% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6890% | 4,678 |
| Loan loss allowance to noncurrent loans | 22.0803% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 3.2367% | 161 |
| Noncurrent loans to loans | 3.1206% | 303 |
| Net loans and leases to total assets | 77.2202% | 1,281 |
| Net loans and leases to deposits | 92.7948% | 1,340 |
| Net loans and leases to core deposits | 121.3063% | 494 |
| Total domestic deposits to total assets | 83.2161% | 3,093 |
| Equity capital to assets | 11.5642% | 2,616 |
| Core capital (leverage) ratio | 11.4931% | 2,226 |
| Tier 1 risk-based capital ratio | 14.4643% | 3,092 |
| Total risk-based capital ratio | 15.1349% | 3,296 |
| Memoranda: | ||
| Average total assets | $159,453,000 | 3,237 |
| Average earning assets | $144,233,250 | 3,259 |
| Average equity | $17,991,750 | 3,363 |
| Average total loans | $120,970,000 | 2,966 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1913% | 174 |
| Cost of funding earning assets | 1.2717% | 817 |
| Net interest margin | 4.9196% | 340 |
| Noninterest income to average assets | 0.7254% | 1,621 |
| Noninterest expense to average assets | 3.7247% | 728 |
| Loan and lease loss provision to assets | 0.4428% | 274 |
| Net operating income to assets | 1.0093% | 2,887 |
| Return on assets (ROA) | 1.0093% | 2,962 |
| Pretax return on assets | 1.0093% | 3,514 |
| Return on Equity (ROE) | 9.0193% | 2,845 |
| Retained earnings to average equity (ytd only) | 7.3428% | 1,675 |
| Net charge-offs to loans | 0.6350% | 240 |
| Credit loss provision to net charge-offs | 92.6702% | 2,106 |
| Earnings coverage of net charge-offs (x) | 3.0393% | 2,882 |
| Efficiency ratio | 71.9497% | 1,931 |
| Assets per employee ($millions) | 3.7272% | 4,212 |
| Cash dividends to net income (ytd only)* | 18.5874% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6211% | 4,836 |
| Loan loss allowance to noncurrent loans | 24.2968% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 2.8531% | 226 |
| Noncurrent loans to loans | 2.5563% | 456 |
| Net loans and leases to total assets | 76.6877% | 1,435 |
| Net loans and leases to deposits | 92.6172% | 1,424 |
| Net loans and leases to core deposits | 118.9471% | 578 |
| Total domestic deposits to total assets | 82.8007% | 3,272 |
| Equity capital to assets | 11.0942% | 2,953 |
| Core capital (leverage) ratio | 11.4593% | 2,200 |
| Tier 1 risk-based capital ratio | 15.2413% | 2,735 |
| Total risk-based capital ratio | 15.9027% | 2,921 |
| Memoranda: | ||
| Average total assets | $159,906,670 | 3,255 |
| Average earning assets | $144,687,670 | 3,276 |
| Average equity | $17,895,000 | 3,367 |
| Average total loans | $120,318,000 | 2,987 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3599% | 133 |
| Cost of funding earning assets | 1.1946% | 917 |
| Net interest margin | 5.1653% | 209 |
| Noninterest income to average assets | 0.8742% | 1,102 |
| Noninterest expense to average assets | 3.8996% | 598 |
| Loan and lease loss provision to assets | 0.4358% | 257 |
| Net operating income to assets | 1.2061% | 2,030 |
| Return on assets (ROA) | 1.2061% | 2,082 |
| Pretax return on assets | 1.2061% | 2,783 |
| Return on Equity (ROE) | 10.7295% | 2,066 |
| Retained earnings to average equity (ytd only) | 10.7295% | 875 |
| Net charge-offs to loans | 0.8601% | 170 |
| Credit loss provision to net charge-offs | 68.2540% | 1,864 |
| Earnings coverage of net charge-offs (x) | 2.5714% | 2,482 |
| Efficiency ratio | 70.3704% | 2,280 |
| Assets per employee ($millions) | 3.4227% | 4,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6019% | 4,934 |
| Loan loss allowance to noncurrent loans | 19.4791% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 3.1002% | 201 |
| Noncurrent loans to loans | 3.0898% | 340 |
| Net loans and leases to total assets | 76.8886% | 1,332 |
| Net loans and leases to deposits | 91.9535% | 1,409 |
| Net loans and leases to core deposits | 114.2686% | 728 |
| Total domestic deposits to total assets | 83.6168% | 3,176 |
| Equity capital to assets | 11.4321% | 2,462 |
| Core capital (leverage) ratio | 11.4531% | 2,165 |
| Tier 1 risk-based capital ratio | 15.4434% | 2,676 |
| Total risk-based capital ratio | 16.0749% | 2,885 |
| Memoranda: | ||
| Average total assets | $157,862,500 | 3,319 |
| Average earning assets | $142,644,500 | 3,337 |
| Average equity | $17,745,500 | 3,379 |
| Average total loans | $117,202,000 | 3,051 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6461% | 302 |
| Cost of funding earning assets | 1.1015% | 492 |
| Net interest margin | 4.5446% | 700 |
| Noninterest income to average assets | 0.8583% | 1,293 |
| Noninterest expense to average assets | 3.8192% | 664 |
| Loan and lease loss provision to assets | 0.4564% | 279 |
| Net operating income to assets | 0.7066% | 4,122 |
| Return on assets (ROA) | 0.7066% | 4,125 |
| Pretax return on assets | 0.7066% | 4,400 |
| Return on Equity (ROE) | 6.4364% | 4,022 |
| Retained earnings to average equity (ytd only) | 0.9364% | 4,720 |
| Net charge-offs to loans | 1.1711% | 109 |
| Credit loss provision to net charge-offs | 50.5487% | 3,181 |
| Earnings coverage of net charge-offs (x) | 1.2881% | 3,638 |
| Efficiency ratio | 76.6563% | 1,277 |
| Assets per employee ($millions) | 3.2976% | 4,741 |
| Cash dividends to net income (ytd only)* | 85.4514% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7219% | 4,756 |
| Loan loss allowance to noncurrent loans | 25.5902% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 3.4198% | 159 |
| Noncurrent loans to loans | 2.8211% | 386 |
| Net loans and leases to total assets | 70.6349% | 2,478 |
| Net loans and leases to deposits | 83.8978% | 2,520 |
| Net loans and leases to core deposits | 108.4666% | 1,090 |
| Total domestic deposits to total assets | 84.1916% | 2,938 |
| Equity capital to assets | 11.0511% | 2,635 |
| Core capital (leverage) ratio | 10.8441% | 2,686 |
| Tier 1 risk-based capital ratio | 16.4175% | 2,268 |
| Total risk-based capital ratio | 17.1824% | 2,371 |
| Memoranda: | ||
| Average total assets | $161,473,600 | 3,255 |
| Average earning assets | $146,525,000 | 3,292 |
| Average equity | $17,727,400 | 3,327 |
| Average total loans | $124,495,400 | 2,947 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6559% | 279 |
| Cost of funding earning assets | 1.0559% | 470 |
| Net interest margin | 4.6001% | 596 |
| Noninterest income to average assets | 0.8742% | 1,273 |
| Noninterest expense to average assets | 3.9028% | 589 |
| Loan and lease loss provision to assets | 0.3903% | 325 |
| Net operating income to assets | 0.7658% | 4,028 |
| Return on assets (ROA) | 0.7658% | 4,035 |
| Pretax return on assets | 0.7658% | 4,383 |
| Return on Equity (ROE) | 6.9865% | 3,940 |
| Retained earnings to average equity (ytd only) | 5.2998% | 3,058 |
| Net charge-offs to loans | 0.7029% | 205 |
| Credit loss provision to net charge-offs | 70.6845% | 2,633 |
| Earnings coverage of net charge-offs (x) | 2.0937% | 3,281 |
| Efficiency ratio | 77.1480% | 1,212 |
| Assets per employee ($millions) | 3.3442% | 4,736 |
| Cash dividends to net income (ytd only)* | 24.1413% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 3,440 |
| Loan loss allowance to noncurrent loans | 20.9569% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 4.8822% | 90 |
| Noncurrent loans to loans | 5.0347% | 123 |
| Net loans and leases to total assets | 78.0486% | 1,338 |
| Net loans and leases to deposits | 95.2513% | 1,240 |
| Net loans and leases to core deposits | 127.3879% | 383 |
| Total domestic deposits to total assets | 81.9397% | 3,630 |
| Equity capital to assets | 11.2819% | 2,407 |
| Core capital (leverage) ratio | 11.1858% | 2,428 |
| Tier 1 risk-based capital ratio | 15.7844% | 2,534 |
| Total risk-based capital ratio | 16.9470% | 2,504 |
| Memoranda: | ||
| Average total assets | $162,271,250 | 3,278 |
| Average earning assets | $147,617,000 | 3,305 |
| Average equity | $17,786,250 | 3,341 |
| Average total loans | $127,465,250 | 2,935 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4798% | 328 |
| Cost of funding earning assets | 1.0002% | 471 |
| Net interest margin | 4.4795% | 727 |
| Noninterest income to average assets | 0.6669% | 2,018 |
| Noninterest expense to average assets | 3.7113% | 743 |
| Loan and lease loss provision to assets | 0.3365% | 398 |
| Net operating income to assets | 0.7000% | 4,192 |
| Return on assets (ROA) | 0.7000% | 4,199 |
| Pretax return on assets | 0.7000% | 4,512 |
| Return on Equity (ROE) | 6.4486% | 4,077 |
| Retained earnings to average equity (ytd only) | 4.7516% | 3,205 |
| Net charge-offs to loans | 0.5433% | 270 |
| Credit loss provision to net charge-offs | 78.9625% | 2,265 |
| Earnings coverage of net charge-offs (x) | 2.4323% | 2,972 |
| Efficiency ratio | 78.1686% | 1,185 |
| Assets per employee ($millions) | 3.3900% | 4,730 |
| Cash dividends to net income (ytd only)* | 26.3158% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0836% | 3,364 |
| Loan loss allowance to noncurrent loans | 20.5225% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 5.3179% | 79 |
| Noncurrent loans to loans | 5.2800% | 121 |
| Net loans and leases to total assets | 83.7055% | 489 |
| Net loans and leases to deposits | 101.9018% | 668 |
| Net loans and leases to core deposits | 129.8921% | 337 |
| Total domestic deposits to total assets | 82.1434% | 3,668 |
| Equity capital to assets | 11.1956% | 2,456 |
| Core capital (leverage) ratio | 11.0178% | 2,508 |
| Tier 1 risk-based capital ratio | 15.0252% | 2,862 |
| Total risk-based capital ratio | 16.2548% | 2,792 |
| Memoranda: | ||
| Average total assets | $162,854,000 | 3,283 |
| Average earning assets | $148,364,000 | 3,312 |
| Average equity | $17,678,330 | 3,368 |
| Average total loans | $127,746,330 | 2,940 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4775% | 290 |
| Cost of funding earning assets | 0.9853% | 394 |
| Net interest margin | 4.4922% | 632 |
| Noninterest income to average assets | 0.5905% | 2,315 |
| Noninterest expense to average assets | 3.6133% | 858 |
| Loan and lease loss provision to assets | 0.3353% | 368 |
| Net operating income to assets | 0.7411% | 3,937 |
| Return on assets (ROA) | 0.7411% | 3,939 |
| Pretax return on assets | 0.7411% | 4,320 |
| Return on Equity (ROE) | 6.9324% | 3,809 |
| Retained earnings to average equity (ytd only) | 6.9324% | 2,308 |
| Net charge-offs to loans | 0.4187% | 370 |
| Credit loss provision to net charge-offs | 106.1538% | 1,488 |
| Earnings coverage of net charge-offs (x) | 3.4077% | 2,394 |
| Efficiency ratio | 77.0466% | 1,456 |
| Assets per employee ($millions) | 3.4778% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 2,708 |
| Loan loss allowance to noncurrent loans | 17.6329% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 5.7018% | 77 |
| Noncurrent loans to loans | 6.9034% | 72 |
| Net loans and leases to total assets | 76.5553% | 1,447 |
| Net loans and leases to deposits | 90.4364% | 1,637 |
| Net loans and leases to core deposits | 119.3968% | 602 |
| Total domestic deposits to total assets | 84.6510% | 3,048 |
| Equity capital to assets | 10.8469% | 2,724 |
| Core capital (leverage) ratio | 10.7354% | 2,702 |
| Tier 1 risk-based capital ratio | 15.3573% | 2,713 |
| Total risk-based capital ratio | 16.6088% | 2,653 |
| Memoranda: | ||
| Average total assets | $164,616,000 | 3,307 |
| Average earning assets | $150,215,500 | 3,325 |
| Average equity | $17,598,500 | 3,407 |
| Average total loans | $124,205,000 | 3,010 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5765% | 237 |
| Cost of funding earning assets | 1.0447% | 172 |
| Net interest margin | 4.5318% | 571 |
| Noninterest income to average assets | 0.7319% | 1,839 |
| Noninterest expense to average assets | 3.5340% | 978 |
| Loan and lease loss provision to assets | 0.5571% | 234 |
| Net operating income to assets | 0.7829% | 3,237 |
| Return on assets (ROA) | 0.7841% | 3,268 |
| Pretax return on assets | 0.7841% | 4,295 |
| Return on Equity (ROE) | 7.7937% | 2,889 |
| Retained earnings to average equity (ytd only) | 2.0966% | 4,063 |
| Net charge-offs to loans | 0.9541% | 194 |
| Credit loss provision to net charge-offs | 75.1159% | 3,011 |
| Earnings coverage of net charge-offs (x) | 1.8068% | 3,851 |
| Efficiency ratio | 72.5071% | 2,145 |
| Assets per employee ($millions) | 3.6038% | 4,568 |
| Cash dividends to net income (ytd only)* | 73.0994% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2601% | 2,425 |
| Loan loss allowance to noncurrent loans | 28.0850% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 3.6978% | 173 |
| Noncurrent loans to loans | 4.4869% | 183 |
| Net loans and leases to total assets | 72.5073% | 2,156 |
| Net loans and leases to deposits | 85.2282% | 2,352 |
| Net loans and leases to core deposits | 117.9416% | 655 |
| Total domestic deposits to total assets | 85.0743% | 2,813 |
| Equity capital to assets | 10.5366% | 3,127 |
| Core capital (leverage) ratio | 9.9463% | 3,524 |
| Tier 1 risk-based capital ratio | 15.6361% | 2,569 |
| Total risk-based capital ratio | 16.8879% | 2,509 |
| Memoranda: | ||
| Average total assets | $174,478,000 | 3,188 |
| Average earning assets | $159,473,000 | 3,208 |
| Average equity | $17,552,600 | 3,422 |
| Average total loans | $135,624,800 | 2,840 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5919% | 221 |
| Cost of funding earning assets | 1.0380% | 157 |
| Net interest margin | 4.5539% | 533 |
| Noninterest income to average assets | 0.6287% | 2,316 |
| Noninterest expense to average assets | 3.3745% | 1,196 |
| Loan and lease loss provision to assets | 0.5849% | 190 |
| Net operating income to assets | 0.8348% | 3,360 |
| Return on assets (ROA) | 0.8363% | 3,394 |
| Pretax return on assets | 0.8363% | 4,253 |
| Return on Equity (ROE) | 8.4062% | 2,927 |
| Retained earnings to average equity (ytd only) | 8.4062% | 1,049 |
| Net charge-offs to loans | 0.8243% | 220 |
| Credit loss provision to net charge-offs | 90.1163% | 2,458 |
| Earnings coverage of net charge-offs (x) | 2.1872% | 3,496 |
| Efficiency ratio | 70.3873% | 2,473 |
| Assets per employee ($millions) | 3.6580% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 2,440 |
| Loan loss allowance to noncurrent loans | 24.5325% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 4.6610% | 128 |
| Noncurrent loans to loans | 5.2331% | 148 |
| Net loans and leases to total assets | 80.9282% | 854 |
| Net loans and leases to deposits | 95.5333% | 1,152 |
| Net loans and leases to core deposits | 139.7820% | 203 |
| Total domestic deposits to total assets | 84.7120% | 2,832 |
| Equity capital to assets | 10.7916% | 3,072 |
| Core capital (leverage) ratio | 10.4424% | 3,047 |
| Tier 1 risk-based capital ratio | 14.8411% | 2,993 |
| Total risk-based capital ratio | 16.0937% | 2,919 |
| Memoranda: | ||
| Average total assets | $176,653,750 | 3,191 |
| Average earning assets | $161,586,750 | 3,208 |
| Average equity | $17,574,000 | 3,449 |
| Average total loans | $139,097,750 | 2,812 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4289% | 270 |
| Cost of funding earning assets | 1.0162% | 162 |
| Net interest margin | 4.4127% | 686 |
| Noninterest income to average assets | 0.6487% | 2,212 |
| Noninterest expense to average assets | 3.2578% | 1,449 |
| Loan and lease loss provision to assets | 0.5617% | 199 |
| Net operating income to assets | 0.8704% | 3,069 |
| Return on assets (ROA) | 0.8704% | 3,117 |
| Pretax return on assets | 0.8704% | 4,033 |
| Return on Equity (ROE) | 8.9879% | 2,514 |
| Retained earnings to average equity (ytd only) | 8.9879% | 845 |
| Net charge-offs to loans | 0.8517% | 230 |
| Credit loss provision to net charge-offs | 84.8485% | 2,209 |
| Earnings coverage of net charge-offs (x) | 2.1633% | 3,198 |
| Efficiency ratio | 69.4629% | 2,773 |
| Assets per employee ($millions) | 3.7309% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 2,826 |
| Loan loss allowance to noncurrent loans | 31.3287% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 3.6610% | 202 |
| Noncurrent loans to loans | 3.9301% | 252 |
| Net loans and leases to total assets | 82.5464% | 602 |
| Net loans and leases to deposits | 97.3683% | 950 |
| Net loans and leases to core deposits | 134.1302% | 251 |
| Total domestic deposits to total assets | 84.7775% | 2,897 |
| Equity capital to assets | 10.3740% | 3,486 |
| Core capital (leverage) ratio | 9.9458% | 3,602 |
| Tier 1 risk-based capital ratio | 14.3317% | 3,248 |
| Total risk-based capital ratio | 15.5834% | 3,174 |
| Memoranda: | ||
| Average total assets | $179,448,670 | 3,158 |
| Average earning assets | $164,342,330 | 3,186 |
| Average equity | $17,379,000 | 3,483 |
| Average total loans | $139,481,000 | 2,815 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2710% | 336 |
| Cost of funding earning assets | 1.0166% | 156 |
| Net interest margin | 4.2544% | 879 |
| Noninterest income to average assets | 0.5803% | 2,505 |
| Noninterest expense to average assets | 3.3878% | 1,224 |
| Loan and lease loss provision to assets | 0.3643% | 320 |
| Net operating income to assets | 0.7264% | 3,582 |
| Return on assets (ROA) | 0.7264% | 3,631 |
| Pretax return on assets | 0.7264% | 4,359 |
| Return on Equity (ROE) | 7.7593% | 3,035 |
| Retained earnings to average equity (ytd only) | 7.7593% | 1,551 |
| Net charge-offs to loans | 0.9163% | 182 |
| Credit loss provision to net charge-offs | 53.0159% | 1,961 |
| Earnings coverage of net charge-offs (x) | 1.5873% | 2,712 |
| Efficiency ratio | 75.6454% | 1,963 |
| Assets per employee ($millions) | 3.9101% | 4,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 2,948 |
| Loan loss allowance to noncurrent loans | 19.5916% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 5.3006% | 102 |
| Noncurrent loans to loans | 6.2697% | 102 |
| Net loans and leases to total assets | 76.3578% | 1,353 |
| Net loans and leases to deposits | 88.4206% | 1,741 |
| Net loans and leases to core deposits | 116.9656% | 561 |
| Total domestic deposits to total assets | 86.3575% | 2,511 |
| Equity capital to assets | 9.6489% | 4,126 |
| Core capital (leverage) ratio | 9.5872% | 4,019 |
| Tier 1 risk-based capital ratio | 13.6453% | 3,687 |
| Total risk-based capital ratio | 14.8962% | 3,593 |
| Memoranda: | ||
| Average total assets | $183,362,500 | 3,146 |
| Average earning assets | $168,012,500 | 3,160 |
| Average equity | $17,166,500 | 3,525 |
| Average total loans | $137,505,000 | 2,858 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7271% | 181 |
| Cost of funding earning assets | 1.0030% | 170 |
| Net interest margin | 4.7241% | 409 |
| Noninterest income to average assets | 0.8566% | 1,552 |
| Noninterest expense to average assets | 3.3422% | 1,483 |
| Loan and lease loss provision to assets | 0.6692% | 191 |
| Net operating income to assets | 1.1841% | 1,555 |
| Return on assets (ROA) | 1.2053% | 1,573 |
| Pretax return on assets | 1.2053% | 2,641 |
| Return on Equity (ROE) | 12.7477% | 1,059 |
| Retained earnings to average equity (ytd only) | 1.9647% | 4,421 |
| Net charge-offs to loans | 0.5714% | 406 |
| Credit loss provision to net charge-offs | 147.3684% | 1,861 |
| Earnings coverage of net charge-offs (x) | 4.0813% | 3,560 |
| Efficiency ratio | 64.3283% | 3,880 |
| Assets per employee ($millions) | 3.9757% | 4,013 |
| Cash dividends to net income (ytd only)* | 84.5877% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3651% | 2,237 |
| Loan loss allowance to noncurrent loans | 28.9232% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 3.8751% | 204 |
| Noncurrent loans to loans | 4.7197% | 183 |
| Net loans and leases to total assets | 71.7676% | 2,199 |
| Net loans and leases to deposits | 82.3574% | 2,626 |
| Net loans and leases to core deposits | 118.1906% | 538 |
| Total domestic deposits to total assets | 87.1417% | 2,066 |
| Equity capital to assets | 9.0859% | 4,725 |
| Core capital (leverage) ratio | 9.1449% | 4,555 |
| Tier 1 risk-based capital ratio | 13.1918% | 3,950 |
| Total risk-based capital ratio | 14.4443% | 3,873 |
| Memoranda: | ||
| Average total assets | $184,098,600 | 3,120 |
| Average earning assets | $169,089,600 | 3,126 |
| Average equity | $17,407,000 | 3,498 |
| Average total loans | $146,314,600 | 2,689 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8612% | 145 |
| Cost of funding earning assets | 0.9724% | 198 |
| Net interest margin | 4.8888% | 312 |
| Noninterest income to average assets | 0.8738% | 1,497 |
| Noninterest expense to average assets | 3.2764% | 1,614 |
| Loan and lease loss provision to assets | 0.8353% | 128 |
| Net operating income to assets | 1.2576% | 1,424 |
| Return on assets (ROA) | 1.2860% | 1,442 |
| Pretax return on assets | 1.2860% | 2,487 |
| Return on Equity (ROE) | 13.4668% | 928 |
| Retained earnings to average equity (ytd only) | 12.4924% | 253 |
| Net charge-offs to loans | 0.3412% | 674 |
| Credit loss provision to net charge-offs | 301.5748% | 1,024 |
| Earnings coverage of net charge-offs (x) | 7.5564% | 2,867 |
| Efficiency ratio | 61.0209% | 4,389 |
| Assets per employee ($millions) | 4.0934% | 3,800 |
| Cash dividends to net income (ytd only)* | 7.2356% | 3,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 2,016 |
| Loan loss allowance to noncurrent loans | 52.6963% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 2.3478% | 601 |
| Noncurrent loans to loans | 2.7341% | 598 |
| Net loans and leases to total assets | 79.2199% | 1,009 |
| Net loans and leases to deposits | 93.1955% | 1,347 |
| Net loans and leases to core deposits | 135.6606% | 236 |
| Total domestic deposits to total assets | 85.0040% | 2,803 |
| Equity capital to assets | 9.5587% | 4,604 |
| Core capital (leverage) ratio | 9.9132% | 3,676 |
| Tier 1 risk-based capital ratio | 13.0800% | 4,113 |
| Total risk-based capital ratio | 14.4100% | 3,966 |
| Memoranda: | ||
| Average total assets | $183,408,250 | 3,137 |
| Average earning assets | $168,653,250 | 3,144 |
| Average equity | $17,514,250 | 3,509 |
| Average total loans | $148,903,000 | 2,658 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9007% | 137 |
| Cost of funding earning assets | 0.9390% | 237 |
| Net interest margin | 4.9617% | 275 |
| Noninterest income to average assets | 1.0587% | 998 |
| Noninterest expense to average assets | 3.2414% | 1,711 |
| Loan and lease loss provision to assets | 1.1906% | 80 |
| Net operating income to assets | 1.1839% | 1,659 |
| Return on assets (ROA) | 1.2272% | 1,605 |
| Pretax return on assets | 1.2272% | 2,680 |
| Return on Equity (ROE) | 12.8554% | 1,067 |
| Retained earnings to average equity (ytd only) | 12.8554% | 243 |
| Net charge-offs to loans | 0.3524% | 666 |
| Credit loss provision to net charge-offs | 414.6718% | 758 |
| Earnings coverage of net charge-offs (x) | 8.2703% | 2,535 |
| Efficiency ratio | 57.7181% | 4,946 |
| Assets per employee ($millions) | 4.0634% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4576% | 2,037 |
| Loan loss allowance to noncurrent loans | 52.2028% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 2.5495% | 536 |
| Noncurrent loans to loans | 2.7922% | 566 |
| Net loans and leases to total assets | 80.5321% | 824 |
| Net loans and leases to deposits | 94.4080% | 1,247 |
| Net loans and leases to core deposits | 132.0192% | 275 |
| Total domestic deposits to total assets | 85.3022% | 2,736 |
| Equity capital to assets | 9.3533% | 4,919 |
| Core capital (leverage) ratio | 10.0038% | 3,560 |
| Tier 1 risk-based capital ratio | 13.0469% | 4,174 |
| Total risk-based capital ratio | 14.3846% | 4,041 |
| Memoranda: | ||
| Average total assets | $180,414,000 | 3,193 |
| Average earning assets | $165,709,330 | 3,203 |
| Average equity | $17,222,330 | 3,556 |
| Average total loans | $146,990,670 | 2,688 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8803% | 141 |
| Cost of funding earning assets | 0.9045% | 286 |
| Net interest margin | 4.9758% | 261 |
| Noninterest income to average assets | 1.3818% | 583 |
| Noninterest expense to average assets | 3.3164% | 1,563 |
| Loan and lease loss provision to assets | 1.8706% | 44 |
| Net operating income to assets | 0.7811% | 3,347 |
| Return on assets (ROA) | 0.8702% | 3,016 |
| Pretax return on assets | 0.8702% | 3,969 |
| Return on Equity (ROE) | 9.0167% | 2,418 |
| Retained earnings to average equity (ytd only) | 9.0167% | 1,111 |
| Net charge-offs to loans | 0.1011% | 1,522 |
| Credit loss provision to net charge-offs | 2,275.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 32.2500% | 1,144 |
| Efficiency ratio | 55.5683% | 5,232 |
| Assets per employee ($millions) | 3.8885% | 4,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5339% | 1,853 |
| Loan loss allowance to noncurrent loans | 38.8062% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 3.4488% | 331 |
| Noncurrent loans to loans | 3.9526% | 310 |
| Net loans and leases to total assets | 78.7864% | 978 |
| Net loans and leases to deposits | 92.4857% | 1,284 |
| Net loans and leases to core deposits | 129.0672% | 285 |
| Total domestic deposits to total assets | 85.1877% | 3,045 |
| Equity capital to assets | 9.3467% | 4,845 |
| Core capital (leverage) ratio | 9.6318% | 3,994 |
| Tier 1 risk-based capital ratio | 12.9628% | 4,289 |
| Total risk-based capital ratio | 14.2186% | 4,202 |
| Memoranda: | ||
| Average total assets | $175,130,500 | 3,260 |
| Average earning assets | $161,420,000 | 3,266 |
| Average equity | $16,902,000 | 3,607 |
| Average total loans | $142,448,000 | 2,744 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1635% | 113 |
| Cost of funding earning assets | 0.8851% | 311 |
| Net interest margin | 5.2784% | 170 |
| Noninterest income to average assets | 0.7670% | 1,909 |
| Noninterest expense to average assets | 3.6286% | 1,074 |
| Loan and lease loss provision to assets | 0.3650% | 393 |
| Net operating income to assets | 1.6182% | 674 |
| Return on assets (ROA) | 1.7078% | 588 |
| Pretax return on assets | 1.7078% | 975 |
| Return on Equity (ROE) | 17.8323% | 393 |
| Retained earnings to average equity (ytd only) | 12.4087% | 230 |
| Net charge-offs to loans | 0.1473% | 1,893 |
| Credit loss provision to net charge-offs | 301.5000% | 981 |
| Earnings coverage of net charge-offs (x) | 16.3800% | 2,133 |
| Efficiency ratio | 64.6602% | 4,143 |
| Assets per employee ($millions) | 3.6413% | 4,579 |
| Cash dividends to net income (ytd only)* | 30.4147% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 4,296 |
| Loan loss allowance to noncurrent loans | 49.5083% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 2.0728% | 837 |
| Noncurrent loans to loans | 2.1267% | 955 |
| Net loans and leases to total assets | 81.9117% | 604 |
| Net loans and leases to deposits | 98.0764% | 808 |
| Net loans and leases to core deposits | 124.6314% | 363 |
| Total domestic deposits to total assets | 83.5183% | 3,662 |
| Equity capital to assets | 9.9832% | 3,978 |
| Core capital (leverage) ratio | 9.8807% | 3,667 |
| Tier 1 risk-based capital ratio | 13.4715% | 4,020 |
| Total risk-based capital ratio | 14.7225% | 3,960 |
| Memoranda: | ||
| Average total assets | $165,187,800 | 3,374 |
| Average earning assets | $151,617,200 | 3,377 |
| Average equity | $15,819,600 | 3,707 |
| Average total loans | $135,731,800 | 2,789 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1250% | 117 |
| Cost of funding earning assets | 0.8626% | 355 |
| Net interest margin | 5.2623% | 170 |
| Noninterest income to average assets | 0.8035% | 1,792 |
| Noninterest expense to average assets | 3.5048% | 1,275 |
| Loan and lease loss provision to assets | 0.4179% | 277 |
| Net operating income to assets | 1.7082% | 612 |
| Return on assets (ROA) | 1.7990% | 542 |
| Pretax return on assets | 1.7990% | 904 |
| Return on Equity (ROE) | 18.9897% | 333 |
| Retained earnings to average equity (ytd only) | 15.9288% | 130 |
| Net charge-offs to loans | 0.1570% | 1,570 |
| Credit loss provision to net charge-offs | 324.5283% | 903 |
| Earnings coverage of net charge-offs (x) | 16.5098% | 2,112 |
| Efficiency ratio | 62.2411% | 4,529 |
| Assets per employee ($millions) | 3.8524% | 4,172 |
| Cash dividends to net income (ytd only)* | 16.1188% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9841% | 4,820 |
| Loan loss allowance to noncurrent loans | 31.3595% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 2.8768% | 550 |
| Noncurrent loans to loans | 3.1381% | 541 |
| Net loans and leases to total assets | 80.2843% | 786 |
| Net loans and leases to deposits | 100.8063% | 622 |
| Net loans and leases to core deposits | 128.2657% | 305 |
| Total domestic deposits to total assets | 79.6421% | 4,817 |
| Equity capital to assets | 9.4611% | 4,798 |
| Core capital (leverage) ratio | 9.4124% | 4,416 |
| Tier 1 risk-based capital ratio | 12.5839% | 4,694 |
| Total risk-based capital ratio | 13.6930% | 4,702 |
| Memoranda: | ||
| Average total assets | $164,609,500 | 3,411 |
| Average earning assets | $151,006,250 | 3,412 |
| Average equity | $15,594,000 | 3,787 |
| Average total loans | $134,999,000 | 2,818 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1248% | 116 |
| Cost of funding earning assets | 0.8527% | 377 |
| Net interest margin | 5.2722% | 168 |
| Noninterest income to average assets | 0.7768% | 1,888 |
| Noninterest expense to average assets | 3.5958% | 1,135 |
| Loan and lease loss provision to assets | 0.4065% | 279 |
| Net operating income to assets | 1.6159% | 722 |
| Return on assets (ROA) | 1.5922% | 782 |
| Pretax return on assets | 1.5922% | 1,348 |
| Return on Equity (ROE) | 16.7990% | 512 |
| Retained earnings to average equity (ytd only) | 13.6549% | 257 |
| Net charge-offs to loans | 0.1923% | 1,306 |
| Credit loss provision to net charge-offs | 256.6929% | 1,032 |
| Earnings coverage of net charge-offs (x) | 12.7717% | 2,180 |
| Efficiency ratio | 64.0036% | 4,359 |
| Assets per employee ($millions) | 3.6153% | 4,599 |
| Cash dividends to net income (ytd only)* | 18.7157% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8790% | 5,376 |
| Loan loss allowance to noncurrent loans | 42.6920% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 1.9462% | 1,147 |
| Noncurrent loans to loans | 2.0589% | 1,173 |
| Net loans and leases to total assets | 83.3568% | 430 |
| Net loans and leases to deposits | 99.8794% | 667 |
| Net loans and leases to core deposits | 122.2628% | 412 |
| Total domestic deposits to total assets | 83.4574% | 3,777 |
| Equity capital to assets | 9.4227% | 4,746 |
| Core capital (leverage) ratio | 9.6858% | 4,017 |
| Tier 1 risk-based capital ratio | 12.1510% | 5,035 |
| Total risk-based capital ratio | 13.1561% | 5,115 |
| Memoranda: | ||
| Average total assets | $160,409,670 | 3,481 |
| Average earning assets | $147,301,670 | 3,500 |
| Average equity | $15,203,330 | 3,854 |
| Average total loans | $132,103,670 | 2,875 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1237% | 116 |
| Cost of funding earning assets | 0.8354% | 412 |
| Net interest margin | 5.2883% | 160 |
| Noninterest income to average assets | 0.7350% | 1,991 |
| Noninterest expense to average assets | 3.4769% | 1,362 |
| Loan and lease loss provision to assets | 0.3572% | 356 |
| Net operating income to assets | 1.7320% | 549 |
| Return on assets (ROA) | 1.7320% | 583 |
| Pretax return on assets | 1.7320% | 989 |
| Return on Equity (ROE) | 18.2168% | 369 |
| Retained earnings to average equity (ytd only) | 14.9735% | 288 |
| Net charge-offs to loans | 0.1136% | 1,608 |
| Credit loss provision to net charge-offs | 386.1111% | 678 |
| Earnings coverage of net charge-offs (x) | 22.5833% | 1,348 |
| Efficiency ratio | 62.4654% | 4,714 |
| Assets per employee ($millions) | 3.5764% | 4,766 |
| Cash dividends to net income (ytd only)* | 17.8042% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8877% | 5,471 |
| Loan loss allowance to noncurrent loans | 57.4542% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 1.5962% | 1,609 |
| Noncurrent loans to loans | 1.5450% | 1,819 |
| Net loans and leases to total assets | 78.7275% | 834 |
| Net loans and leases to deposits | 91.1886% | 1,273 |
| Net loans and leases to core deposits | 111.5689% | 678 |
| Total domestic deposits to total assets | 86.3348% | 2,743 |
| Equity capital to assets | 9.4831% | 4,768 |
| Core capital (leverage) ratio | 9.6889% | 4,028 |
| Tier 1 risk-based capital ratio | 9.6221% | 6,252 |
| Total risk-based capital ratio | 10.3827% | 6,296 |
| Memoranda: | ||
| Average total assets | $155,655,000 | 3,565 |
| Average earning assets | $142,201,500 | 3,590 |
| Average equity | $14,799,500 | 3,949 |
| Average total loans | $126,708,000 | 2,967 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6223% | 83 |
| Cost of funding earning assets | 0.8975% | 394 |
| Net interest margin | 5.7247% | 98 |
| Noninterest income to average assets | 0.8199% | 1,793 |
| Noninterest expense to average assets | 3.8641% | 897 |
| Loan and lease loss provision to assets | 0.2611% | 851 |
| Net operating income to assets | 1.8637% | 414 |
| Return on assets (ROA) | 1.9588% | 363 |
| Pretax return on assets | 1.9588% | 551 |
| Return on Equity (ROE) | 21.6478% | 185 |
| Retained earnings to average equity (ytd only) | 19.2469% | 72 |
| Net charge-offs to loans | 0.1291% | 2,728 |
| Credit loss provision to net charge-offs | 247.9167% | 1,027 |
| Earnings coverage of net charge-offs (x) | 20.1736% | 1,736 |
| Efficiency ratio | 64.5213% | 4,502 |
| Assets per employee ($millions) | 3.4952% | 4,912 |
| Cash dividends to net income (ytd only)* | 11.0904% | 4,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8612% | 5,600 |
| Loan loss allowance to noncurrent loans | 49.8350% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 2.0375% | 1,240 |
| Noncurrent loans to loans | 1.7281% | 1,680 |
| Net loans and leases to total assets | 82.8913% | 441 |
| Net loans and leases to deposits | 95.7553% | 918 |
| Net loans and leases to core deposits | 112.0130% | 694 |
| Total domestic deposits to total assets | 86.5658% | 2,531 |
| Equity capital to assets | 9.5356% | 4,680 |
| Core capital (leverage) ratio | 9.8570% | 3,765 |
| Tier 1 risk-based capital ratio | 11.5011% | 5,664 |
| Total risk-based capital ratio | 12.4269% | 5,767 |
| Memoranda: | ||
| Average total assets | $136,718,400 | 3,864 |
| Average earning assets | $123,447,200 | 3,894 |
| Average equity | $12,370,800 | 4,290 |
| Average total loans | $111,526,200 | 3,190 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6576% | 82 |
| Cost of funding earning assets | 0.8961% | 423 |
| Net interest margin | 5.7615% | 98 |
| Noninterest income to average assets | 0.8207% | 1,810 |
| Noninterest expense to average assets | 3.7814% | 997 |
| Loan and lease loss provision to assets | 0.3130% | 605 |
| Net operating income to assets | 1.9324% | 395 |
| Return on assets (ROA) | 2.0616% | 320 |
| Pretax return on assets | 2.0616% | 490 |
| Return on Equity (ROE) | 23.1244% | 151 |
| Retained earnings to average equity (ytd only) | 19.8145% | 70 |
| Net charge-offs to loans | 0.1251% | 2,551 |
| Credit loss provision to net charge-offs | 308.8235% | 890 |
| Earnings coverage of net charge-offs (x) | 22.1563% | 1,644 |
| Efficiency ratio | 57.7646% | 5,475 |
| Assets per employee ($millions) | 3.5970% | 4,683 |
| Cash dividends to net income (ytd only)* | 14.3132% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8461% | 5,756 |
| Loan loss allowance to noncurrent loans | 57.8861% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 1.7932% | 1,662 |
| Noncurrent loans to loans | 1.4616% | 2,228 |
| Net loans and leases to total assets | 81.9962% | 509 |
| Net loans and leases to deposits | 99.0564% | 666 |
| Net loans and leases to core deposits | 106.3606% | 935 |
| Total domestic deposits to total assets | 82.7773% | 4,214 |
| Equity capital to assets | 8.8341% | 5,520 |
| Core capital (leverage) ratio | 9.6082% | 4,227 |
| Tier 1 risk-based capital ratio | 10.6559% | 6,150 |
| Total risk-based capital ratio | 11.5506% | 6,230 |
| Memoranda: | ||
| Average total assets | $134,198,750 | 3,936 |
| Average earning assets | $121,262,250 | 3,964 |
| Average equity | $11,964,000 | 4,393 |
| Average total loans | $108,723,000 | 3,267 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6115% | 85 |
| Cost of funding earning assets | 0.9010% | 429 |
| Net interest margin | 5.7105% | 99 |
| Noninterest income to average assets | 0.7871% | 1,890 |
| Noninterest expense to average assets | 3.9075% | 846 |
| Loan and lease loss provision to assets | 0.3064% | 638 |
| Net operating income to assets | 1.7391% | 541 |
| Return on assets (ROA) | 1.9413% | 394 |
| Pretax return on assets | 1.9413% | 624 |
| Return on Equity (ROE) | 21.6981% | 211 |
| Retained earnings to average equity (ytd only) | 18.2730% | 117 |
| Net charge-offs to loans | 0.1510% | 2,180 |
| Credit loss provision to net charge-offs | 252.5641% | 981 |
| Earnings coverage of net charge-offs (x) | 16.8590% | 1,765 |
| Efficiency ratio | 65.6389% | 4,412 |
| Assets per employee ($millions) | 3.6204% | 4,619 |
| Cash dividends to net income (ytd only)* | 15.7853% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7992% | 5,978 |
| Loan loss allowance to noncurrent loans | 49.9741% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 1.9618% | 1,639 |
| Noncurrent loans to loans | 1.5992% | 2,171 |
| Net loans and leases to total assets | 82.5428% | 418 |
| Net loans and leases to deposits | 91.7560% | 1,178 |
| Net loans and leases to core deposits | 111.7013% | 616 |
| Total domestic deposits to total assets | 89.9591% | 834 |
| Equity capital to assets | 8.6668% | 5,644 |
| Core capital (leverage) ratio | 9.4926% | 4,341 |
| Tier 1 risk-based capital ratio | 10.3497% | 6,298 |
| Total risk-based capital ratio | 11.1912% | 6,374 |
| Memoranda: | ||
| Average total assets | $128,573,670 | 4,063 |
| Average earning assets | $116,312,000 | 4,101 |
| Average equity | $11,503,330 | 4,496 |
| Average total loans | $103,320,000 | 3,390 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7246% | 81 |
| Cost of funding earning assets | 0.9280% | 393 |
| Net interest margin | 5.7965% | 98 |
| Noninterest income to average assets | 0.7339% | 2,019 |
| Noninterest expense to average assets | 3.9684% | 789 |
| Loan and lease loss provision to assets | 0.3155% | 591 |
| Net operating income to assets | 1.6770% | 594 |
| Return on assets (ROA) | 1.6770% | 615 |
| Pretax return on assets | 1.6770% | 1,023 |
| Return on Equity (ROE) | 18.3979% | 409 |
| Retained earnings to average equity (ytd only) | 14.9005% | 326 |
| Net charge-offs to loans | 0.1056% | 2,127 |
| Credit loss provision to net charge-offs | 380.0000% | 676 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,196 |
| Efficiency ratio | 66.5738% | 4,432 |
| Assets per employee ($millions) | 3.2625% | 5,419 |
| Cash dividends to net income (ytd only)* | 19.0099% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8643% | 5,969 |
| Loan loss allowance to noncurrent loans | 59.2353% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 1.8636% | 1,859 |
| Noncurrent loans to loans | 1.4592% | 2,601 |
| Net loans and leases to total assets | 80.3317% | 512 |
| Net loans and leases to deposits | 89.6736% | 1,191 |
| Net loans and leases to core deposits | 107.3010% | 707 |
| Total domestic deposits to total assets | 89.5823% | 1,320 |
| Equity capital to assets | 9.0629% | 5,038 |
| Core capital (leverage) ratio | 9.6564% | 4,053 |
| Tier 1 risk-based capital ratio | 11.3460% | 5,996 |
| Total risk-based capital ratio | 12.2715% | 6,097 |
| Memoranda: | ||
| Average total assets | $120,452,000 | 4,266 |
| Average earning assets | $108,616,500 | 4,306 |
| Average equity | $10,979,500 | 4,621 |
| Average total loans | $94,730,500 | 3,590 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1356% | 141 |
| Cost of funding earning assets | 0.9703% | 527 |
| Net interest margin | 5.1654% | 227 |
| Noninterest income to average assets | 1.0609% | 1,251 |
| Noninterest expense to average assets | 4.0703% | 805 |
| Loan and lease loss provision to assets | 0.2165% | 1,689 |
| Net operating income to assets | 1.4195% | 991 |
| Return on assets (ROA) | 1.4901% | 886 |
| Pretax return on assets | 1.4901% | 1,475 |
| Return on Equity (ROE) | 16.1234% | 608 |
| Retained earnings to average equity (ytd only) | 13.7604% | 206 |
| Net charge-offs to loans | 0.2737% | 2,330 |
| Credit loss provision to net charge-offs | 111.1111% | 2,161 |
| Earnings coverage of net charge-offs (x) | 8.3961% | 2,682 |
| Efficiency ratio | 71.3296% | 3,602 |
| Assets per employee ($millions) | 2.6928% | 6,226 |
| Cash dividends to net income (ytd only)* | 14.6557% | 3,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 5,520 |
| Loan loss allowance to noncurrent loans | 62.7976% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 1.9990% | 1,798 |
| Noncurrent loans to loans | 1.6054% | 2,500 |
| Net loans and leases to total assets | 75.0609% | 1,211 |
| Net loans and leases to deposits | 84.0187% | 1,942 |
| Net loans and leases to core deposits | 99.6393% | 1,184 |
| Total domestic deposits to total assets | 89.3383% | 1,412 |
| Equity capital to assets | 9.1771% | 4,834 |
| Core capital (leverage) ratio | 9.7048% | 3,976 |
| Tier 1 risk-based capital ratio | 12.3704% | 5,382 |
| Total risk-based capital ratio | 13.4373% | 5,434 |
| Memoranda: | ||
| Average total assets | $106,233,400 | 4,583 |
| Average earning assets | $95,540,000 | 4,630 |
| Average equity | $9,818,000 | 4,891 |
| Average total loans | $75,617,200 | 4,072 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0295% | 172 |
| Cost of funding earning assets | 0.9655% | 591 |
| Net interest margin | 5.0640% | 283 |
| Noninterest income to average assets | 1.1686% | 1,075 |
| Noninterest expense to average assets | 3.6555% | 1,315 |
| Loan and lease loss provision to assets | 0.2535% | 1,407 |
| Net operating income to assets | 1.8201% | 502 |
| Return on assets (ROA) | 1.8201% | 520 |
| Pretax return on assets | 1.8201% | 857 |
| Return on Equity (ROE) | 19.6583% | 324 |
| Retained earnings to average equity (ytd only) | 16.4823% | 144 |
| Net charge-offs to loans | 0.3080% | 1,997 |
| Credit loss provision to net charge-offs | 117.6471% | 1,998 |
| Earnings coverage of net charge-offs (x) | 9.6236% | 2,461 |
| Efficiency ratio | 63.8053% | 4,833 |
| Assets per employee ($millions) | 2.8215% | 6,123 |
| Cash dividends to net income (ytd only)* | 16.1562% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 5,147 |
| Loan loss allowance to noncurrent loans | 67.1136% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 2.2156% | 1,798 |
| Noncurrent loans to loans | 1.7037% | 2,641 |
| Net loans and leases to total assets | 70.4788% | 1,874 |
| Net loans and leases to deposits | 80.4155% | 2,354 |
| Net loans and leases to core deposits | 96.3315% | 1,365 |
| Total domestic deposits to total assets | 87.6432% | 2,335 |
| Equity capital to assets | 9.6057% | 4,407 |
| Core capital (leverage) ratio | 9.5935% | 4,258 |
| Tier 1 risk-based capital ratio | 12.5833% | 5,406 |
| Total risk-based capital ratio | 13.6482% | 5,454 |
| Memoranda: | ||
| Average total assets | $105,190,500 | 4,663 |
| Average earning assets | $94,731,750 | 4,699 |
| Average equity | $9,739,500 | 4,967 |
| Average total loans | $73,592,750 | 4,176 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9465% | 196 |
| Cost of funding earning assets | 0.9596% | 676 |
| Net interest margin | 4.9869% | 315 |
| Noninterest income to average assets | 1.3295% | 877 |
| Noninterest expense to average assets | 3.4991% | 1,609 |
| Loan and lease loss provision to assets | 0.2940% | 1,230 |
| Net operating income to assets | 2.0407% | 337 |
| Return on assets (ROA) | 2.0407% | 352 |
| Pretax return on assets | 2.0407% | 557 |
| Return on Equity (ROE) | 22.3159% | 194 |
| Retained earnings to average equity (ytd only) | 19.1635% | 104 |
| Net charge-offs to loans | 0.2892% | 2,037 |
| Credit loss provision to net charge-offs | 146.2264% | 1,567 |
| Earnings coverage of net charge-offs (x) | 11.6132% | 2,040 |
| Efficiency ratio | 59.9805% | 5,490 |
| Assets per employee ($millions) | 3.4524% | 4,952 |
| Cash dividends to net income (ytd only)* | 14.1264% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 4,942 |
| Loan loss allowance to noncurrent loans | 239.6694% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 1.0502% | 3,647 |
| Noncurrent loans to loans | 0.5042% | 5,006 |
| Net loans and leases to total assets | 66.4558% | 2,510 |
| Net loans and leases to deposits | 75.2115% | 2,986 |
| Net loans and leases to core deposits | 89.5091% | 1,955 |
| Total domestic deposits to total assets | 88.3586% | 2,007 |
| Equity capital to assets | 9.1055% | 5,098 |
| Core capital (leverage) ratio | 9.2103% | 4,684 |
| Tier 1 risk-based capital ratio | 12.6674% | 5,378 |
| Total risk-based capital ratio | 13.7944% | 5,406 |
| Memoranda: | ||
| Average total assets | $105,455,330 | 4,694 |
| Average earning assets | $95,249,000 | 4,716 |
| Average equity | $9,643,330 | 5,021 |
| Average total loans | $73,314,330 | 4,199 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0103% | 164 |
| Cost of funding earning assets | 0.9508% | 784 |
| Net interest margin | 5.0595% | 262 |
| Noninterest income to average assets | 1.9069% | 459 |
| Noninterest expense to average assets | 3.3667% | 1,907 |
| Loan and lease loss provision to assets | 0.4204% | 720 |
| Net operating income to assets | 2.6750% | 136 |
| Return on assets (ROA) | 2.6750% | 142 |
| Pretax return on assets | 2.6750% | 212 |
| Return on Equity (ROE) | 29.1895% | 84 |
| Retained earnings to average equity (ytd only) | 26.0203% | 59 |
| Net charge-offs to loans | 0.6002% | 1,016 |
| Credit loss provision to net charge-offs | 99.0991% | 1,885 |
| Earnings coverage of net charge-offs (x) | 7.2973% | 2,087 |
| Efficiency ratio | 52.0993% | 6,373 |
| Assets per employee ($millions) | 3.5435% | 4,892 |
| Cash dividends to net income (ytd only)* | 10.8571% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 5,596 |
| Loan loss allowance to noncurrent loans | 56.5908% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 2.0357% | 2,296 |
| Noncurrent loans to loans | 1.9498% | 2,676 |
| Net loans and leases to total assets | 69.1369% | 1,816 |
| Net loans and leases to deposits | 78.3431% | 2,294 |
| Net loans and leases to core deposits | 93.3579% | 1,390 |
| Total domestic deposits to total assets | 88.2489% | 2,160 |
| Equity capital to assets | 9.3241% | 5,101 |
| Core capital (leverage) ratio | 9.0738% | 4,761 |
| Tier 1 risk-based capital ratio | 12.0401% | 5,892 |
| Total risk-based capital ratio | 13.0819% | 5,988 |
| Memoranda: | ||
| Average total assets | $104,671,500 | 4,757 |
| Average earning assets | $94,239,000 | 4,794 |
| Average equity | $9,592,500 | 5,089 |
| Average total loans | $73,975,000 | 4,202 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2219% | 190 |
| Cost of funding earning assets | 1.0620% | 1,066 |
| Net interest margin | 5.1600% | 292 |
| Noninterest income to average assets | 0.8989% | 1,856 |
| Noninterest expense to average assets | 3.8442% | 1,178 |
| Loan and lease loss provision to assets | 0.1655% | 3,539 |
| Net operating income to assets | 1.4516% | 1,000 |
| Return on assets (ROA) | 1.7987% | 575 |
| Pretax return on assets | 1.7987% | 924 |
| Return on Equity (ROE) | 18.7368% | 379 |
| Retained earnings to average equity (ytd only) | 3.2290% | 3,950 |
| Net charge-offs to loans | 0.0144% | 5,710 |
| Credit loss provision to net charge-offs | 1,650.0000% | 141 |
| Earnings coverage of net charge-offs (x) | 161.2000% | 259 |
| Efficiency ratio | 70.3894% | 3,733 |
| Assets per employee ($millions) | 3.2199% | 5,580 |
| Cash dividends to net income (ytd only)* | 82.7663% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1150% | 5,487 |
| Loan loss allowance to noncurrent loans | 63.5941% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 1.9672% | 2,490 |
| Noncurrent loans to loans | 1.7533% | 2,981 |
| Net loans and leases to total assets | 70.6662% | 1,712 |
| Net loans and leases to deposits | 80.4857% | 2,223 |
| Net loans and leases to core deposits | 95.9796% | 1,304 |
| Total domestic deposits to total assets | 87.7996% | 2,347 |
| Equity capital to assets | 8.9996% | 5,523 |
| Core capital (leverage) ratio | 9.0066% | 4,889 |
| Tier 1 risk-based capital ratio | 11.5690% | 6,048 |
| Total risk-based capital ratio | 12.6413% | 6,136 |
| Memoranda: | ||
| Average total assets | $99,682,600 | 4,846 |
| Average earning assets | $88,139,600 | 4,915 |
| Average equity | $9,569,400 | 5,084 |
| Average total loans | $69,576,000 | 4,370 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2096% | 206 |
| Cost of funding earning assets | 1.0724% | 1,187 |
| Net interest margin | 5.1372% | 315 |
| Noninterest income to average assets | 0.8417% | 2,068 |
| Noninterest expense to average assets | 3.6919% | 1,376 |
| Loan and lease loss provision to assets | 0.1619% | 3,487 |
| Net operating income to assets | 1.5175% | 988 |
| Return on assets (ROA) | 1.9842% | 444 |
| Pretax return on assets | 1.9842% | 722 |
| Return on Equity (ROE) | 20.3378% | 317 |
| Retained earnings to average equity (ytd only) | 17.7940% | 127 |
| Net charge-offs to loans | 0.0039% | 5,706 |
| Credit loss provision to net charge-offs | 6,000.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 621.7079% | 66 |
| Efficiency ratio | 68.7343% | 3,924 |
| Assets per employee ($millions) | 3.3914% | 5,228 |
| Cash dividends to net income (ytd only)* | 12.5087% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0593% | 5,857 |
| Loan loss allowance to noncurrent loans | 70.5036% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 1.8953% | 2,793 |
| Noncurrent loans to loans | 1.5025% | 3,533 |
| Net loans and leases to total assets | 74.4535% | 1,179 |
| Net loans and leases to deposits | 85.7024% | 1,638 |
| Net loans and leases to core deposits | 103.2691% | 915 |
| Total domestic deposits to total assets | 86.8744% | 2,751 |
| Equity capital to assets | 10.4037% | 3,955 |
| Core capital (leverage) ratio | 9.9932% | 3,556 |
| Tier 1 risk-based capital ratio | 13.6012% | 4,816 |
| Total risk-based capital ratio | 14.6807% | 4,883 |
| Memoranda: | ||
| Average total assets | $98,843,750 | 4,908 |
| Average earning assets | $87,153,000 | 4,984 |
| Average equity | $9,643,500 | 5,114 |
| Average total loans | $68,561,500 | 4,445 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0872% | 262 |
| Cost of funding earning assets | 1.0715% | 1,354 |
| Net interest margin | 5.0157% | 392 |
| Noninterest income to average assets | 0.7838% | 2,271 |
| Noninterest expense to average assets | 3.6886% | 1,395 |
| Loan and lease loss provision to assets | 0.1515% | 3,631 |
| Net operating income to assets | 1.3595% | 1,286 |
| Return on assets (ROA) | 2.0584% | 399 |
| Pretax return on assets | 2.0584% | 625 |
| Return on Equity (ROE) | 21.5722% | 264 |
| Retained earnings to average equity (ytd only) | 18.9895% | 122 |
| Net charge-offs to loans | 0.0420% | 4,789 |
| Credit loss provision to net charge-offs | 535.7143% | 569 |
| Earnings coverage of net charge-offs (x) | 53.4286% | 692 |
| Efficiency ratio | 70.9402% | 3,608 |
| Assets per employee ($millions) | 3.3971% | 5,219 |
| Cash dividends to net income (ytd only)* | 11.9725% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 6,071 |
| Loan loss allowance to noncurrent loans | 47.0550% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 2.0322% | 2,742 |
| Noncurrent loans to loans | 2.1693% | 2,745 |
| Net loans and leases to total assets | 71.5559% | 1,636 |
| Net loans and leases to deposits | 81.7881% | 2,142 |
| Net loans and leases to core deposits | 98.0172% | 1,269 |
| Total domestic deposits to total assets | 87.4893% | 2,477 |
| Equity capital to assets | 9.9527% | 4,410 |
| Core capital (leverage) ratio | 9.5786% | 4,036 |
| Tier 1 risk-based capital ratio | 12.6363% | 5,467 |
| Total risk-based capital ratio | 13.6046% | 5,659 |
| Memoranda: | ||
| Average total assets | $99,008,330 | 4,921 |
| Average earning assets | $87,166,670 | 5,020 |
| Average equity | $9,447,330 | 5,168 |
| Average total loans | $66,745,670 | 4,531 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9196% | 349 |
| Cost of funding earning assets | 1.0679% | 1,577 |
| Net interest margin | 4.8517% | 508 |
| Noninterest income to average assets | 0.7617% | 2,339 |
| Noninterest expense to average assets | 3.5505% | 1,662 |
| Loan and lease loss provision to assets | 0.1814% | 3,160 |
| Net operating income to assets | 1.2775% | 1,511 |
| Return on assets (ROA) | 2.6719% | 170 |
| Pretax return on assets | 2.6719% | 265 |
| Return on Equity (ROE) | 28.6130% | 114 |
| Retained earnings to average equity (ytd only) | 25.9805% | 84 |
| Net charge-offs to loans | 0.0806% | 3,687 |
| Credit loss provision to net charge-offs | 346.1538% | 879 |
| Earnings coverage of net charge-offs (x) | 27.8462% | 982 |
| Efficiency ratio | 70.8769% | 3,647 |
| Assets per employee ($millions) | 3.3662% | 5,416 |
| Cash dividends to net income (ytd only)* | 9.2006% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0869% | 5,943 |
| Loan loss allowance to noncurrent loans | 50.6531% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 1.8280% | 3,140 |
| Noncurrent loans to loans | 2.1458% | 2,972 |
| Net loans and leases to total assets | 62.9014% | 3,071 |
| Net loans and leases to deposits | 71.2534% | 3,547 |
| Net loans and leases to core deposits | 84.7500% | 2,444 |
| Total domestic deposits to total assets | 88.2785% | 2,145 |
| Equity capital to assets | 9.3747% | 4,997 |
| Core capital (leverage) ratio | 9.2230% | 4,477 |
| Tier 1 risk-based capital ratio | 13.1004% | 5,130 |
| Total risk-based capital ratio | 14.0950% | 5,305 |
| Memoranda: | ||
| Average total assets | $99,254,500 | 4,953 |
| Average earning assets | $86,897,500 | 5,055 |
| Average equity | $9,268,500 | 5,225 |
| Average total loans | $64,508,000 | 4,640 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6363% | 152 |
| Cost of funding earning assets | 1.1245% | 2,503 |
| Net interest margin | 5.5118% | 170 |
| Noninterest income to average assets | 0.8793% | 1,747 |
| Noninterest expense to average assets | 3.8140% | 1,321 |
| Loan and lease loss provision to assets | 0.1719% | 4,481 |
| Net operating income to assets | 1.7648% | 495 |
| Return on assets (ROA) | 1.9294% | 386 |
| Pretax return on assets | 1.9294% | 628 |
| Return on Equity (ROE) | 19.8670% | 266 |
| Retained earnings to average equity (ytd only) | 0.1931% | 5,748 |
| Net charge-offs to loans | 0.3625% | 3,592 |
| Credit loss provision to net charge-offs | 69.3277% | 4,876 |
| Earnings coverage of net charge-offs (x) | 7.8109% | 2,254 |
| Efficiency ratio | 66.3225% | 4,700 |
| Assets per employee ($millions) | 3.1459% | 5,818 |
| Cash dividends to net income (ytd only)* | 99.0281% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 6,080 |
| Loan loss allowance to noncurrent loans | 41.9132% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 1.7503% | 3,328 |
| Noncurrent loans to loans | 2.4523% | 2,682 |
| Net loans and leases to total assets | 65.7592% | 2,828 |
| Net loans and leases to deposits | 75.2667% | 3,301 |
| Net loans and leases to core deposits | 90.3228% | 2,079 |
| Total domestic deposits to total assets | 87.3682% | 2,549 |
| Equity capital to assets | 9.3003% | 5,149 |
| Core capital (leverage) ratio | 9.0823% | 4,648 |
| Tier 1 risk-based capital ratio | 11.9669% | 5,861 |
| Total risk-based capital ratio | 12.8945% | 6,047 |
| Memoranda: | ||
| Average total assets | $95,989,400 | 5,014 |
| Average earning assets | $84,836,200 | 5,092 |
| Average equity | $9,322,000 | 5,202 |
| Average total loans | $65,648,200 | 4,646 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6202% | 163 |
| Cost of funding earning assets | 1.1203% | 2,828 |
| Net interest margin | 5.4999% | 173 |
| Noninterest income to average assets | 0.7837% | 2,126 |
| Noninterest expense to average assets | 3.5869% | 1,736 |
| Loan and lease loss provision to assets | 0.1255% | 4,859 |
| Net operating income to assets | 1.9733% | 364 |
| Return on assets (ROA) | 2.0486% | 338 |
| Pretax return on assets | 2.0486% | 571 |
| Return on Equity (ROE) | 20.8697% | 260 |
| Retained earnings to average equity (ytd only) | 18.2556% | 110 |
| Net charge-offs to loans | 0.2409% | 3,915 |
| Credit loss provision to net charge-offs | 75.6303% | 4,290 |
| Earnings coverage of net charge-offs (x) | 12.6473% | 1,687 |
| Efficiency ratio | 63.0856% | 5,224 |
| Assets per employee ($millions) | 3.1596% | 5,766 |
| Cash dividends to net income (ytd only)* | 12.5257% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 6,054 |
| Loan loss allowance to noncurrent loans | 59.7140% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 1.4622% | 3,927 |
| Noncurrent loans to loans | 1.7557% | 3,695 |
| Net loans and leases to total assets | 70.6985% | 1,944 |
| Net loans and leases to deposits | 84.4993% | 1,919 |
| Net loans and leases to core deposits | 104.9209% | 922 |
| Total domestic deposits to total assets | 83.6676% | 4,393 |
| Equity capital to assets | 11.0606% | 3,082 |
| Core capital (leverage) ratio | 10.4517% | 2,926 |
| Tier 1 risk-based capital ratio | 12.8773% | 5,186 |
| Total risk-based capital ratio | 13.8027% | 5,439 |
| Memoranda: | ||
| Average total assets | $95,605,750 | 5,053 |
| Average earning assets | $85,211,250 | 5,115 |
| Average equity | $9,385,000 | 5,211 |
| Average total loans | $65,861,000 | 4,682 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5516% | 190 |
| Cost of funding earning assets | 1.1468% | 2,922 |
| Net interest margin | 5.4048% | 208 |
| Noninterest income to average assets | 0.7509% | 2,256 |
| Noninterest expense to average assets | 3.4961% | 1,991 |
| Loan and lease loss provision to assets | 0.1252% | 4,724 |
| Net operating income to assets | 1.9566% | 367 |
| Return on assets (ROA) | 2.0443% | 331 |
| Pretax return on assets | 2.0443% | 541 |
| Return on Equity (ROE) | 21.7327% | 244 |
| Retained earnings to average equity (ytd only) | 19.0050% | 117 |
| Net charge-offs to loans | 0.1901% | 4,016 |
| Credit loss provision to net charge-offs | 96.7742% | 3,255 |
| Earnings coverage of net charge-offs (x) | 16.0968% | 1,365 |
| Efficiency ratio | 62.6776% | 5,460 |
| Assets per employee ($millions) | 2.9078% | 6,284 |
| Cash dividends to net income (ytd only)* | 12.5510% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 5,797 |
| Loan loss allowance to noncurrent loans | 68.6859% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 1.4411% | 4,052 |
| Noncurrent loans to loans | 1.6590% | 3,933 |
| Net loans and leases to total assets | 68.7172% | 2,474 |
| Net loans and leases to deposits | 79.0061% | 2,964 |
| Net loans and leases to core deposits | 96.8642% | 1,603 |
| Total domestic deposits to total assets | 86.9770% | 2,749 |
| Equity capital to assets | 10.4771% | 3,538 |
| Core capital (leverage) ratio | 9.9059% | 3,381 |
| Tier 1 risk-based capital ratio | 12.6018% | 5,254 |
| Total risk-based capital ratio | 13.5847% | 5,471 |
| Memoranda: | ||
| Average total assets | $95,878,670 | 5,077 |
| Average earning assets | $85,628,330 | 5,133 |
| Average equity | $9,018,670 | 5,323 |
| Average total loans | $65,240,330 | 4,748 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4277% | 235 |
| Cost of funding earning assets | 1.1946% | 2,851 |
| Net interest margin | 5.2331% | 243 |
| Noninterest income to average assets | 0.7154% | 2,485 |
| Noninterest expense to average assets | 3.4124% | 2,244 |
| Loan and lease loss provision to assets | 0.1233% | 4,459 |
| Net operating income to assets | 1.8624% | 432 |
| Return on assets (ROA) | 1.8624% | 454 |
| Pretax return on assets | 1.8624% | 721 |
| Return on Equity (ROE) | 20.9395% | 294 |
| Retained earnings to average equity (ytd only) | 18.0736% | 238 |
| Net charge-offs to loans | 0.3968% | 2,501 |
| Credit loss provision to net charge-offs | 46.1538% | 3,834 |
| Earnings coverage of net charge-offs (x) | 7.4308% | 1,947 |
| Efficiency ratio | 63.2140% | 5,486 |
| Assets per employee ($millions) | 2.9016% | 6,347 |
| Cash dividends to net income (ytd only)* | 13.6865% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 6,064 |
| Loan loss allowance to noncurrent loans | 50.0711% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 1.5749% | 3,885 |
| Noncurrent loans to loans | 2.1879% | 3,337 |
| Net loans and leases to total assets | 66.3791% | 2,908 |
| Net loans and leases to deposits | 75.2376% | 3,548 |
| Net loans and leases to core deposits | 93.5022% | 1,952 |
| Total domestic deposits to total assets | 88.2260% | 2,243 |
| Equity capital to assets | 9.4023% | 4,568 |
| Core capital (leverage) ratio | 9.2955% | 4,128 |
| Tier 1 risk-based capital ratio | 11.7524% | 5,893 |
| Total risk-based capital ratio | 12.6735% | 6,147 |
| Memoranda: | ||
| Average total assets | $97,292,500 | 5,076 |
| Average earning assets | $87,060,500 | 5,126 |
| Average equity | $8,653,500 | 5,421 |
| Average total loans | $65,521,000 | 4,787 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4170% | 369 |
| Cost of funding earning assets | 1.4397% | 3,021 |
| Net interest margin | 4.9773% | 454 |
| Noninterest income to average assets | 0.9222% | 1,767 |
| Noninterest expense to average assets | 3.5801% | 1,975 |
| Loan and lease loss provision to assets | 0.1220% | 5,940 |
| Net operating income to assets | 1.6635% | 557 |
| Return on assets (ROA) | 1.6635% | 600 |
| Pretax return on assets | 1.6635% | 1,015 |
| Return on Equity (ROE) | 19.1233% | 309 |
| Retained earnings to average equity (ytd only) | 7.5161% | 1,143 |
| Net charge-offs to loans | 0.0988% | 5,870 |
| Credit loss provision to net charge-offs | 190.4762% | 1,691 |
| Earnings coverage of net charge-offs (x) | 27.8730% | 783 |
| Efficiency ratio | 66.7235% | 4,815 |
| Assets per employee ($millions) | 2.9949% | 6,109 |
| Cash dividends to net income (ytd only)* | 60.6968% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 5,935 |
| Loan loss allowance to noncurrent loans | 42.5691% | 5,471 |
| Noncurrent assets plus other real estate owned to assets | 1.7596% | 3,667 |
| Noncurrent loans to loans | 2.5997% | 2,929 |
| Net loans and leases to total assets | 66.8195% | 3,268 |
| Net loans and leases to deposits | 76.6861% | 3,737 |
| Net loans and leases to core deposits | 95.6699% | 2,049 |
| Total domestic deposits to total assets | 87.1337% | 2,751 |
| Equity capital to assets | 8.4021% | 5,999 |
| Core capital (leverage) ratio | 8.7739% | 4,893 |
| Tier 1 risk-based capital ratio | 10.7661% | 6,518 |
| Total risk-based capital ratio | 11.6921% | 6,714 |
| Memoranda: | ||
| Average total assets | $98,348,800 | 5,038 |
| Average earning assets | $87,798,400 | 5,083 |
| Average equity | $8,555,000 | 5,536 |
| Average total loans | $63,782,200 | 4,924 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3731% | 438 |
| Cost of funding earning assets | 1.4788% | 3,095 |
| Net interest margin | 4.8943% | 560 |
| Noninterest income to average assets | 0.7696% | 2,388 |
| Noninterest expense to average assets | 3.3323% | 2,475 |
| Loan and lease loss provision to assets | 0.1222% | 5,807 |
| Net operating income to assets | 1.6818% | 647 |
| Return on assets (ROA) | 1.6818% | 699 |
| Pretax return on assets | 1.6818% | 1,150 |
| Return on Equity (ROE) | 19.1693% | 379 |
| Retained earnings to average equity (ytd only) | 16.1832% | 160 |
| Net charge-offs to loans | 0.0867% | 5,667 |
| Credit loss provision to net charge-offs | 219.5122% | 1,571 |
| Earnings coverage of net charge-offs (x) | 32.4119% | 830 |
| Efficiency ratio | 64.8784% | 5,072 |
| Assets per employee ($millions) | 3.2511% | 5,577 |
| Cash dividends to net income (ytd only)* | 15.5773% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 5,999 |
| Loan loss allowance to noncurrent loans | 44.2226% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 1.7563% | 3,809 |
| Noncurrent loans to loans | 2.4558% | 3,170 |
| Net loans and leases to total assets | 68.2641% | 3,146 |
| Net loans and leases to deposits | 80.9001% | 3,287 |
| Net loans and leases to core deposits | 105.2965% | 1,382 |
| Total domestic deposits to total assets | 84.3807% | 3,924 |
| Equity capital to assets | 9.6101% | 4,673 |
| Core capital (leverage) ratio | 9.1235% | 4,493 |
| Tier 1 risk-based capital ratio | 11.6578% | 5,776 |
| Total risk-based capital ratio | 12.6093% | 6,032 |
| Memoranda: | ||
| Average total assets | $98,228,000 | 5,101 |
| Average earning assets | $87,637,500 | 5,154 |
| Average equity | $8,617,750 | 5,594 |
| Average total loans | $63,033,250 | 5,022 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2633% | 549 |
| Cost of funding earning assets | 1.5334% | 3,046 |
| Net interest margin | 4.7300% | 768 |
| Noninterest income to average assets | 0.7475% | 2,413 |
| Noninterest expense to average assets | 3.2562% | 2,705 |
| Loan and lease loss provision to assets | 0.1219% | 5,680 |
| Net operating income to assets | 1.5864% | 744 |
| Return on assets (ROA) | 1.5864% | 800 |
| Pretax return on assets | 1.5864% | 1,336 |
| Return on Equity (ROE) | 18.6708% | 414 |
| Retained earnings to average equity (ytd only) | 15.7303% | 204 |
| Net charge-offs to loans | 0.0877% | 5,263 |
| Credit loss provision to net charge-offs | 222.2222% | 1,750 |
| Earnings coverage of net charge-offs (x) | 31.1481% | 898 |
| Efficiency ratio | 65.5892% | 5,052 |
| Assets per employee ($millions) | 3.2293% | 5,604 |
| Cash dividends to net income (ytd only)* | 15.7490% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1292% | 5,803 |
| Loan loss allowance to noncurrent loans | 30.7626% | 6,312 |
| Noncurrent assets plus other real estate owned to assets | 2.4577% | 2,928 |
| Noncurrent loans to loans | 3.6708% | 2,135 |
| Net loans and leases to total assets | 64.5289% | 4,155 |
| Net loans and leases to deposits | 73.4434% | 4,763 |
| Net loans and leases to core deposits | 90.9733% | 3,126 |
| Total domestic deposits to total assets | 87.8622% | 2,073 |
| Equity capital to assets | 8.9792% | 5,482 |
| Core capital (leverage) ratio | 8.8897% | 4,766 |
| Tier 1 risk-based capital ratio | 11.4857% | 5,783 |
| Total risk-based capital ratio | 12.4427% | 6,035 |
| Memoranda: | ||
| Average total assets | $98,459,670 | 5,127 |
| Average earning assets | $87,780,670 | 5,186 |
| Average equity | $8,366,000 | 5,677 |
| Average total loans | $61,607,330 | 5,112 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2535% | 576 |
| Cost of funding earning assets | 1.5068% | 3,508 |
| Net interest margin | 4.7467% | 709 |
| Noninterest income to average assets | 0.7093% | 2,532 |
| Noninterest expense to average assets | 3.2161% | 2,798 |
| Loan and lease loss provision to assets | 0.1209% | 5,373 |
| Net operating income to assets | 1.6000% | 749 |
| Return on assets (ROA) | 1.6000% | 804 |
| Pretax return on assets | 1.6000% | 1,263 |
| Return on Equity (ROE) | 19.3670% | 414 |
| Retained earnings to average equity (ytd only) | 19.3670% | 201 |
| Net charge-offs to loans | 0.1908% | 3,778 |
| Credit loss provision to net charge-offs | 103.4483% | 3,303 |
| Earnings coverage of net charge-offs (x) | 14.7241% | 1,412 |
| Efficiency ratio | 65.1429% | 5,283 |
| Assets per employee ($millions) | 3.2797% | 5,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 5,860 |
| Loan loss allowance to noncurrent loans | 71.8947% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.0296% | 5,094 |
| Noncurrent loans to loans | 1.5731% | 4,382 |
| Net loans and leases to total assets | 60.6860% | 4,999 |
| Net loans and leases to deposits | 70.8494% | 5,224 |
| Net loans and leases to core deposits | 84.4612% | 4,143 |
| Total domestic deposits to total assets | 85.6550% | 3,344 |
| Equity capital to assets | 8.4358% | 6,094 |
| Core capital (leverage) ratio | 8.4531% | 5,462 |
| Tier 1 risk-based capital ratio | 11.4470% | 5,722 |
| Total risk-based capital ratio | 12.3851% | 5,991 |
| Memoranda: | ||
| Average total assets | $99,250,000 | 5,172 |
| Average earning assets | $88,399,000 | 5,220 |
| Average equity | $8,199,500 | 5,770 |
| Average total loans | $60,796,500 | 5,213 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6704% | 497 |
| Cost of funding earning assets | 1.9684% | 3,110 |
| Net interest margin | 4.7020% | 831 |
| Noninterest income to average assets | 0.7952% | 2,426 |
| Noninterest expense to average assets | 3.7465% | 1,805 |
| Loan and lease loss provision to assets | 0.2358% | 5,484 |
| Net operating income to assets | 0.9881% | 1,878 |
| Return on assets (ROA) | 1.2067% | 1,279 |
| Pretax return on assets | 1.2067% | 1,933 |
| Return on Equity (ROE) | 14.7998% | 693 |
| Retained earnings to average equity (ytd only) | 10.5938% | 315 |
| Net charge-offs to loans | 0.1555% | 5,708 |
| Credit loss provision to net charge-offs | 239.1304% | 1,503 |
| Earnings coverage of net charge-offs (x) | 12.4130% | 1,514 |
| Efficiency ratio | 75.3773% | 3,640 |
| Assets per employee ($millions) | 3.3370% | 5,406 |
| Cash dividends to net income (ytd only)* | 28.4192% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 5,834 |
| Loan loss allowance to noncurrent loans | 54.7791% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 1.3735% | 4,365 |
| Noncurrent loans to loans | 2.0343% | 3,606 |
| Net loans and leases to total assets | 60.4525% | 5,268 |
| Net loans and leases to deposits | 72.6649% | 5,238 |
| Net loans and leases to core deposits | 105.6731% | 3,374 |
| Total domestic deposits to total assets | 83.1935% | 4,428 |
| Equity capital to assets | 8.0901% | 6,473 |
| Core capital (leverage) ratio | 8.1426% | 5,923 |
| Tier 1 risk-based capital ratio | 10.6502% | 6,253 |
| Total risk-based capital ratio | 11.5684% | 6,540 |
| Memoranda: | ||
| Average total assets | $93,314,600 | 5,291 |
| Average earning assets | $82,858,800 | 5,369 |
| Average equity | $7,608,200 | 6,048 |
| Average total loans | $59,176,400 | 5,290 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6731% | 534 |
| Cost of funding earning assets | 1.9960% | 3,378 |
| Net interest margin | 4.6771% | 873 |
| Noninterest income to average assets | 0.8150% | 2,360 |
| Noninterest expense to average assets | 4.0516% | 1,212 |
| Loan and lease loss provision to assets | 0.1310% | 6,045 |
| Net operating income to assets | 0.7859% | 2,876 |
| Return on assets (ROA) | 0.9896% | 2,157 |
| Pretax return on assets | 0.9896% | 2,939 |
| Return on Equity (ROE) | 12.1119% | 1,328 |
| Retained earnings to average equity (ytd only) | 11.7558% | 373 |
| Net charge-offs to loans | 0.1318% | 5,380 |
| Credit loss provision to net charge-offs | 155.1724% | 3,079 |
| Earnings coverage of net charge-offs (x) | 10.8623% | 1,909 |
| Efficiency ratio | 81.5466% | 2,642 |
| Assets per employee ($millions) | 3.3375% | 5,286 |
| Cash dividends to net income (ytd only)* | 2.9416% | 3,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 6,533 |
| Loan loss allowance to noncurrent loans | 83.4758% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.7460% | 5,637 |
| Noncurrent loans to loans | 1.1401% | 5,039 |
| Net loans and leases to total assets | 63.0099% | 5,063 |
| Net loans and leases to deposits | 76.3872% | 4,974 |
| Net loans and leases to core deposits | 112.9768% | 2,930 |
| Total domestic deposits to total assets | 82.4875% | 4,460 |
| Equity capital to assets | 8.2717% | 6,538 |
| Core capital (leverage) ratio | 8.2833% | 5,866 |
| Tier 1 risk-based capital ratio | 10.4883% | 6,483 |
| Total risk-based capital ratio | 11.2863% | 6,895 |
| Memoranda: | ||
| Average total assets | $91,615,750 | 5,379 |
| Average earning assets | $81,359,500 | 5,442 |
| Average equity | $7,485,500 | 6,158 |
| Average total loans | $58,670,250 | 5,353 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7686% | 477 |
| Cost of funding earning assets | 2.0768% | 3,384 |
| Net interest margin | 4.6917% | 809 |
| Noninterest income to average assets | 0.8076% | 2,373 |
| Noninterest expense to average assets | 3.6266% | 2,007 |
| Loan and lease loss provision to assets | 0.1335% | 5,754 |
| Net operating income to assets | 1.1992% | 1,476 |
| Return on assets (ROA) | 1.4796% | 933 |
| Pretax return on assets | 1.4796% | 1,500 |
| Return on Equity (ROE) | 18.1893% | 477 |
| Retained earnings to average equity (ytd only) | 17.6422% | 115 |
| Net charge-offs to loans | 0.0485% | 5,799 |
| Credit loss provision to net charge-offs | 428.5714% | 1,077 |
| Earnings coverage of net charge-offs (x) | 42.7857% | 776 |
| Efficiency ratio | 73.1270% | 4,171 |
| Assets per employee ($millions) | 2.9844% | 6,177 |
| Cash dividends to net income (ytd only)* | 3.0075% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 6,174 |
| Loan loss allowance to noncurrent loans | 53.7634% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 1.2063% | 4,526 |
| Noncurrent loans to loans | 1.8762% | 3,692 |
| Net loans and leases to total assets | 63.6459% | 5,056 |
| Net loans and leases to deposits | 77.2943% | 4,977 |
| Net loans and leases to core deposits | 119.4410% | 2,418 |
| Total domestic deposits to total assets | 82.3423% | 4,548 |
| Equity capital to assets | 8.1381% | 6,584 |
| Core capital (leverage) ratio | 8.4831% | 5,477 |
| Tier 1 risk-based capital ratio | 10.5330% | 6,347 |
| Total risk-based capital ratio | 11.3552% | 6,743 |
| Memoranda: | ||
| Average total assets | $89,891,670 | 5,462 |
| Average earning assets | $79,544,000 | 5,546 |
| Average equity | $7,312,000 | 6,259 |
| Average total loans | $57,703,000 | 5,434 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9229% | 391 |
| Cost of funding earning assets | 2.1281% | 3,520 |
| Net interest margin | 4.7947% | 616 |
| Noninterest income to average assets | 0.7541% | 2,574 |
| Noninterest expense to average assets | 3.7209% | 1,613 |
| Loan and lease loss provision to assets | 0.1355% | 5,224 |
| Net operating income to assets | 1.1199% | 1,896 |
| Return on assets (ROA) | 1.1199% | 2,018 |
| Pretax return on assets | 1.1199% | 2,910 |
| Return on Equity (ROE) | 13.7711% | 1,212 |
| Retained earnings to average equity (ytd only) | 12.6605% | 691 |
| Net charge-offs to loans | 0.0141% | 5,395 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 139.0000% | 315 |
| Efficiency ratio | 74.7731% | 3,698 |
| Assets per employee ($millions) | 2.8621% | 6,498 |
| Cash dividends to net income (ytd only)* | 8.0645% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 6,017 |
| Loan loss allowance to noncurrent loans | 34.2152% | 6,256 |
| Noncurrent assets plus other real estate owned to assets | 1.9746% | 2,943 |
| Noncurrent loans to loans | 2.9877% | 2,187 |
| Net loans and leases to total assets | 63.5131% | 5,068 |
| Net loans and leases to deposits | 77.4971% | 5,004 |
| Net loans and leases to core deposits | 115.9196% | 2,811 |
| Total domestic deposits to total assets | 81.9555% | 4,566 |
| Equity capital to assets | 8.2446% | 6,473 |
| Core capital (leverage) ratio | 8.1434% | 6,196 |
| Tier 1 risk-based capital ratio | 10.6181% | 6,276 |
| Total risk-based capital ratio | 11.4681% | 6,608 |
| Memoranda: | ||
| Average total assets | $88,580,000 | 5,538 |
| Average earning assets | $78,002,500 | 5,626 |
| Average equity | $7,203,500 | 6,335 |
| Average total loans | $56,813,500 | 5,509 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5458% | 377 |
| Cost of funding earning assets | 2.7955% | 2,726 |
| Net interest margin | 4.7503% | 864 |
| Noninterest income to average assets | 0.9876% | 1,619 |
| Noninterest expense to average assets | 3.6897% | 1,969 |
| Loan and lease loss provision to assets | 0.1423% | 5,534 |
| Net operating income to assets | 1.3161% | 1,441 |
| Return on assets (ROA) | 1.4216% | 1,140 |
| Pretax return on assets | 1.4216% | 1,901 |
| Return on Equity (ROE) | 18.0534% | 519 |
| Retained earnings to average equity (ytd only) | 13.3406% | 148 |
| Net charge-offs to loans | 0.1359% | 4,863 |
| Credit loss provision to net charge-offs | 164.3836% | 3,133 |
| Earnings coverage of net charge-offs (x) | 16.8493% | 1,811 |
| Efficiency ratio | 71.6720% | 4,000 |
| Assets per employee ($millions) | 2.8527% | 6,441 |
| Cash dividends to net income (ytd only)* | 26.1051% | 4,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9772% | 6,227 |
| Loan loss allowance to noncurrent loans | 93.4233% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 0.7339% | 5,021 |
| Noncurrent loans to loans | 1.0460% | 4,483 |
| Net loans and leases to total assets | 63.4805% | 5,375 |
| Net loans and leases to deposits | 78.0565% | 5,331 |
| Net loans and leases to core deposits | 111.2126% | 3,651 |
| Total domestic deposits to total assets | 81.3264% | 4,495 |
| Equity capital to assets | 8.0194% | 6,819 |
| Core capital (leverage) ratio | 8.2344% | 6,095 |
| Tier 1 risk-based capital ratio | 10.3551% | 6,360 |
| Total risk-based capital ratio | 11.1698% | 6,709 |
| Memoranda: | ||
| Average total assets | $84,341,800 | 5,545 |
| Average earning assets | $73,869,200 | 5,668 |
| Average equity | $6,641,400 | 6,587 |
| Average total loans | $53,699,000 | 5,538 |