Home > Carmine State Bank > Performance and Condition Ratios
Carmine State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3705% | 3,330 |
| Cost of funding earning assets | 1.6867% | 1,478 |
| Net interest margin | 2.6838% | 3,843 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 1.6206% | 4,229 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.0765% | 1,984 |
| Return on assets (ROA) | 1.0765% | 1,958 |
| Pretax return on assets | 1.0874% | 2,443 |
| Return on Equity (ROE) | 24.4700% | 329 |
| Retained earnings to average equity (ytd only) | 17.9510% | 195 |
| Net charge-offs to loans | -0.0134% | 4,046 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.7140% | 3,115 |
| Assets per employee ($millions) | 10.9419% | 532 |
| Cash dividends to net income (ytd only)* | 26.6458% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5601% | 4,290 |
| Loan loss allowance to noncurrent loans | 1,338.4615% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 3,704 |
| Noncurrent loans to loans | 0.0418% | 3,424 |
| Net loans and leases to total assets | 25.6700% | 4,355 |
| Net loans and leases to deposits | 27.2864% | 4,381 |
| Net loans and leases to core deposits | 38.3952% | 4,307 |
| Total domestic deposits to total assets | 94.0600% | 104 |
| Equity capital to assets | 5.7893% | 4,276 |
| Core capital (leverage) ratio | 11.6175% | 1,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $118,535,200 | 3,666 |
| Average earning assets | $114,128,800 | 3,603 |
| Average equity | $5,214,200 | 4,242 |
| Average total loans | $29,813,800 | 4,138 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3324% | 3,234 |
| Cost of funding earning assets | 1.5099% | 1,573 |
| Net interest margin | 2.8225% | 3,693 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 1.5560% | 4,275 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.2376% | 1,683 |
| Return on assets (ROA) | 1.2376% | 1,679 |
| Pretax return on assets | 1.2816% | 2,092 |
| Return on Equity (ROE) | 30.6000% | 212 |
| Retained earnings to average equity (ytd only) | 27.8065% | 112 |
| Net charge-offs to loans | -0.0136% | 4,022 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.6825% | 3,529 |
| Assets per employee ($millions) | 10.4501% | 584 |
| Cash dividends to net income (ytd only)* | 9.1241% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5686% | 4,305 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 26.3200% | 4,373 |
| Net loans and leases to deposits | 27.2530% | 4,408 |
| Net loans and leases to core deposits | 37.3144% | 4,306 |
| Total domestic deposits to total assets | 96.5700% | 61 |
| Equity capital to assets | 3.1535% | 4,479 |
| Core capital (leverage) ratio | 11.5506% | 1,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $118,078,750 | 3,673 |
| Average earning assets | $113,560,750 | 3,624 |
| Average equity | $4,775,750 | 4,289 |
| Average total loans | $29,500,750 | 4,163 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1984% | 3,295 |
| Cost of funding earning assets | 1.3902% | 1,474 |
| Net interest margin | 2.8082% | 3,808 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 1.5715% | 4,278 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.2189% | 1,778 |
| Return on assets (ROA) | 1.2189% | 1,768 |
| Pretax return on assets | 1.2575% | 2,198 |
| Return on Equity (ROE) | 28.1400% | 261 |
| Retained earnings to average equity (ytd only) | 24.2667% | 134 |
| Net charge-offs to loans | -0.0206% | 4,127 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.3191% | 3,496 |
| Assets per employee ($millions) | 9.7988% | 707 |
| Cash dividends to net income (ytd only)* | 13.7741% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5819% | 4,319 |
| Loan loss allowance to noncurrent loans | 467.5676% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.0315% | 3,473 |
| Noncurrent loans to loans | 0.1244% | 2,849 |
| Net loans and leases to total assets | 25.1400% | 4,403 |
| Net loans and leases to deposits | 26.4430% | 4,434 |
| Net loans and leases to core deposits | 35.2801% | 4,340 |
| Total domestic deposits to total assets | 95.0600% | 92 |
| Equity capital to assets | 4.7514% | 4,413 |
| Core capital (leverage) ratio | 11.1149% | 1,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $119,121,333 | 3,687 |
| Average earning assets | $114,805,000 | 3,622 |
| Average equity | $5,159,333 | 4,281 |
| Average total loans | $29,192,333 | 4,177 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8772% | 3,720 |
| Cost of funding earning assets | 1.3363% | 1,158 |
| Net interest margin | 2.5410% | 4,266 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 1.4447% | 4,433 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.1210% | 2,163 |
| Return on assets (ROA) | 1.1210% | 2,129 |
| Pretax return on assets | 1.1310% | 2,623 |
| Return on Equity (ROE) | 27.1800% | 319 |
| Retained earnings to average equity (ytd only) | 27.1762% | 143 |
| Net charge-offs to loans | -0.0277% | 4,193 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.5841% | 3,450 |
| Assets per employee ($millions) | 10.1303% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5864% | 4,379 |
| Loan loss allowance to noncurrent loans | 716.6667% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 3,608 |
| Noncurrent loans to loans | 0.0818% | 3,158 |
| Net loans and leases to total assets | 23.9900% | 4,478 |
| Net loans and leases to deposits | 25.1783% | 4,504 |
| Net loans and leases to core deposits | 33.0728% | 4,410 |
| Total domestic deposits to total assets | 95.2700% | 76 |
| Equity capital to assets | 4.6034% | 4,475 |
| Core capital (leverage) ratio | 10.7274% | 2,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $119,889,000 | 3,725 |
| Average earning assets | $115,547,000 | 3,661 |
| Average equity | $4,945,500 | 4,356 |
| Average total loans | $28,923,000 | 4,240 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3413% | 3,493 |
| Cost of funding earning assets | 0.6888% | 612 |
| Net interest margin | 2.6526% | 4,110 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 1.6209% | 4,280 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0489% | 2,378 |
| Return on assets (ROA) | 1.0498% | 2,320 |
| Pretax return on assets | 1.0663% | 2,872 |
| Return on Equity (ROE) | 17.5600% | 770 |
| Retained earnings to average equity (ytd only) | 12.9661% | 517 |
| Net charge-offs to loans | -0.0038% | 3,577 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.3407% | 3,008 |
| Assets per employee ($millions) | 10.7468% | 537 |
| Cash dividends to net income (ytd only)* | 26.1552% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5962% | 4,343 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 23.9800% | 4,509 |
| Net loans and leases to deposits | 24.8988% | 4,534 |
| Net loans and leases to core deposits | 32.4789% | 4,442 |
| Total domestic deposits to total assets | 96.3000% | 71 |
| Equity capital to assets | 3.6332% | 4,555 |
| Core capital (leverage) ratio | 10.8420% | 1,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $109,258,800 | 3,844 |
| Average earning assets | $104,389,200 | 3,794 |
| Average equity | $6,532,400 | 4,267 |
| Average total loans | $26,058,600 | 4,304 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1756% | 3,492 |
| Cost of funding earning assets | 0.5280% | 648 |
| Net interest margin | 2.6477% | 4,029 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.5847% | 4,318 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0852% | 2,157 |
| Return on assets (ROA) | 1.0864% | 2,121 |
| Pretax return on assets | 1.1088% | 2,692 |
| Return on Equity (ROE) | 16.3900% | 909 |
| Retained earnings to average equity (ytd only) | 14.8902% | 374 |
| Net charge-offs to loans | -0.0157% | 3,890 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.8616% | 3,272 |
| Assets per employee ($millions) | 10.0963% | 643 |
| Cash dividends to net income (ytd only)* | 9.1743% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6176% | 4,361 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 24.9200% | 4,526 |
| Net loans and leases to deposits | 25.6378% | 4,568 |
| Net loans and leases to core deposits | 33.8147% | 4,447 |
| Total domestic deposits to total assets | 97.2000% | 75 |
| Equity capital to assets | 2.6301% | 4,614 |
| Core capital (leverage) ratio | 11.0669% | 1,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $107,019,750 | 3,883 |
| Average earning assets | $102,024,750 | 3,839 |
| Average equity | $7,091,750 | 4,241 |
| Average total loans | $25,444,500 | 4,351 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0369% | 3,460 |
| Cost of funding earning assets | 0.4753% | 600 |
| Net interest margin | 2.5616% | 3,976 |
| Noninterest income to average assets | 0.1893% | 4,057 |
| Noninterest expense to average assets | 1.5538% | 4,351 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0504% | 1,974 |
| Return on assets (ROA) | 1.0523% | 1,933 |
| Pretax return on assets | 1.0750% | 2,497 |
| Return on Equity (ROE) | 13.1101% | 1,354 |
| Retained earnings to average equity (ytd only) | 11.2238% | 752 |
| Net charge-offs to loans | -0.0243% | 3,966 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1499% | 3,421 |
| Assets per employee ($millions) | 9.9299% | 677 |
| Cash dividends to net income (ytd only)* | 14.3885% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6780% | 4,369 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 23.0680% | 4,611 |
| Net loans and leases to deposits | 24.2365% | 4,638 |
| Net loans and leases to core deposits | 30.6749% | 4,552 |
| Total domestic deposits to total assets | 95.1789% | 127 |
| Equity capital to assets | 4.6975% | 4,534 |
| Core capital (leverage) ratio | 11.3148% | 1,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,673,333 | 3,938 |
| Average earning assets | $100,562,000 | 3,911 |
| Average equity | $8,482,000 | 4,153 |
| Average total loans | $24,643,333 | 4,415 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0156% | 3,208 |
| Cost of funding earning assets | 0.4702% | 584 |
| Net interest margin | 2.5455% | 3,795 |
| Noninterest income to average assets | 0.2041% | 3,940 |
| Noninterest expense to average assets | 1.4784% | 4,451 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0857% | 1,562 |
| Return on assets (ROA) | 1.0857% | 1,560 |
| Pretax return on assets | 1.1435% | 2,008 |
| Return on Equity (ROE) | 11.1051% | 1,581 |
| Retained earnings to average equity (ytd only) | 11.1051% | 767 |
| Net charge-offs to loans | -0.0165% | 3,813 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3877% | 3,841 |
| Assets per employee ($millions) | 9.5147% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6943% | 4,394 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 23.2319% | 4,626 |
| Net loans and leases to deposits | 25.1396% | 4,652 |
| Net loans and leases to core deposits | 32.3041% | 4,525 |
| Total domestic deposits to total assets | 92.4118% | 429 |
| Equity capital to assets | 7.5118% | 3,929 |
| Core capital (leverage) ratio | 11.4337% | 1,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,895,500 | 3,973 |
| Average earning assets | $98,685,500 | 3,942 |
| Average equity | $10,157,500 | 4,035 |
| Average total loans | $24,280,500 | 4,442 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4630% | 2,765 |
| Cost of funding earning assets | 0.5588% | 672 |
| Net interest margin | 2.9042% | 3,429 |
| Noninterest income to average assets | 0.1464% | 4,424 |
| Noninterest expense to average assets | 1.7364% | 4,244 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1621% | 2,049 |
| Return on assets (ROA) | 1.1958% | 1,992 |
| Pretax return on assets | 1.1999% | 2,662 |
| Return on Equity (ROE) | 9.4684% | 2,728 |
| Retained earnings to average equity (ytd only) | 7.0364% | 1,906 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8236% | 3,178 |
| Assets per employee ($millions) | 9.3754% | 819 |
| Cash dividends to net income (ytd only)* | 25.6849% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7019% | 4,415 |
| Loan loss allowance to noncurrent loans | 137.3984% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.1193% | 3,093 |
| Noncurrent loans to loans | 0.5109% | 1,841 |
| Net loans and leases to total assets | 23.1816% | 4,668 |
| Net loans and leases to deposits | 26.3991% | 4,682 |
| Net loans and leases to core deposits | 34.0784% | 4,554 |
| Total domestic deposits to total assets | 87.8124% | 2,146 |
| Equity capital to assets | 12.0752% | 1,221 |
| Core capital (leverage) ratio | 11.4009% | 1,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,671,600 | 4,020 |
| Average earning assets | $92,694,000 | 3,990 |
| Average equity | $12,335,800 | 3,897 |
| Average total loans | $24,511,400 | 4,485 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5797% | 2,614 |
| Cost of funding earning assets | 0.5830% | 694 |
| Net interest margin | 2.9967% | 3,315 |
| Noninterest income to average assets | 0.1509% | 4,440 |
| Noninterest expense to average assets | 1.6613% | 4,392 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2833% | 1,875 |
| Return on assets (ROA) | 1.3277% | 1,797 |
| Pretax return on assets | 1.3747% | 2,422 |
| Return on Equity (ROE) | 10.3899% | 2,596 |
| Retained earnings to average equity (ytd only) | 9.5232% | 1,474 |
| Net charge-offs to loans | -0.0108% | 3,704 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5556% | 3,586 |
| Assets per employee ($millions) | 9.2148% | 832 |
| Cash dividends to net income (ytd only)* | 8.3420% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7035% | 4,495 |
| Loan loss allowance to noncurrent loans | 69.7959% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 0.2417% | 2,572 |
| Noncurrent loans to loans | 1.0079% | 1,142 |
| Net loans and leases to total assets | 23.8114% | 4,743 |
| Net loans and leases to deposits | 27.2449% | 4,752 |
| Net loans and leases to core deposits | 35.1811% | 4,628 |
| Total domestic deposits to total assets | 87.3978% | 2,159 |
| Equity capital to assets | 12.3033% | 1,259 |
| Core capital (leverage) ratio | 11.7291% | 1,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,307,250 | 4,078 |
| Average earning assets | $91,253,000 | 4,049 |
| Average equity | $12,306,500 | 3,950 |
| Average total loans | $24,620,250 | 4,540 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8259% | 2,003 |
| Cost of funding earning assets | 0.5967% | 757 |
| Net interest margin | 3.2293% | 2,669 |
| Noninterest income to average assets | 0.1564% | 4,411 |
| Noninterest expense to average assets | 1.7438% | 4,295 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4448% | 1,429 |
| Return on assets (ROA) | 1.5028% | 1,344 |
| Pretax return on assets | 1.5261% | 1,937 |
| Return on Equity (ROE) | 11.6066% | 2,198 |
| Retained earnings to average equity (ytd only) | 10.3006% | 1,310 |
| Net charge-offs to loans | -0.0081% | 3,600 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3120% | 3,763 |
| Assets per employee ($millions) | 8.9861% | 864 |
| Cash dividends to net income (ytd only)* | 11.2518% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6709% | 4,580 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 25.4616% | 4,761 |
| Net loans and leases to deposits | 29.3152% | 4,768 |
| Net loans and leases to core deposits | 37.7898% | 4,630 |
| Total domestic deposits to total assets | 86.8544% | 2,404 |
| Equity capital to assets | 12.8016% | 1,016 |
| Core capital (leverage) ratio | 11.8825% | 1,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,622,000 | 4,123 |
| Average earning assets | $89,494,333 | 4,094 |
| Average equity | $12,251,667 | 3,961 |
| Average total loans | $24,724,667 | 4,576 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2828% | 1,068 |
| Cost of funding earning assets | 0.6190% | 802 |
| Net interest margin | 3.6637% | 1,419 |
| Noninterest income to average assets | 0.1686% | 4,354 |
| Noninterest expense to average assets | 1.7166% | 4,345 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8636% | 703 |
| Return on assets (ROA) | 1.8636% | 756 |
| Pretax return on assets | 1.9068% | 1,105 |
| Return on Equity (ROE) | 14.3065% | 1,371 |
| Retained earnings to average equity (ytd only) | 14.3065% | 723 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3747% | 4,377 |
| Assets per employee ($millions) | 8.6085% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6665% | 4,617 |
| Loan loss allowance to noncurrent loans | 132.0313% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 3,496 |
| Noncurrent loans to loans | 0.5048% | 2,344 |
| Net loans and leases to total assets | 26.5994% | 4,780 |
| Net loans and leases to deposits | 30.5035% | 4,789 |
| Net loans and leases to core deposits | 39.5963% | 4,634 |
| Total domestic deposits to total assets | 87.2009% | 2,228 |
| Equity capital to assets | 12.6333% | 1,021 |
| Core capital (leverage) ratio | 12.2984% | 1,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,509,500 | 4,157 |
| Average earning assets | $87,233,500 | 4,131 |
| Average equity | $12,050,500 | 3,995 |
| Average total loans | $24,418,000 | 4,607 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6186% | 3,759 |
| Cost of funding earning assets | 0.9850% | 624 |
| Net interest margin | 2.6336% | 4,459 |
| Noninterest income to average assets | 0.1693% | 4,443 |
| Noninterest expense to average assets | 1.8493% | 4,392 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8371% | 2,950 |
| Return on assets (ROA) | 0.8602% | 3,000 |
| Pretax return on assets | 0.8613% | 3,474 |
| Return on Equity (ROE) | 6.7645% | 3,296 |
| Retained earnings to average equity (ytd only) | 4.2289% | 2,695 |
| Net charge-offs to loans | -0.0869% | 4,779 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8089% | 2,123 |
| Assets per employee ($millions) | 8.2114% | 968 |
| Cash dividends to net income (ytd only)* | 37.4833% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7198% | 4,557 |
| Loan loss allowance to noncurrent loans | 938.8889% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 4,295 |
| Noncurrent loans to loans | 0.0767% | 3,987 |
| Net loans and leases to total assets | 25.8068% | 4,824 |
| Net loans and leases to deposits | 29.9153% | 4,833 |
| Net loans and leases to core deposits | 37.8686% | 4,742 |
| Total domestic deposits to total assets | 86.2663% | 2,246 |
| Equity capital to assets | 13.4381% | 950 |
| Core capital (leverage) ratio | 12.0683% | 1,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,843,000 | 4,162 |
| Average earning assets | $83,043,600 | 4,115 |
| Average equity | $11,043,000 | 4,071 |
| Average total loans | $24,179,400 | 4,636 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7052% | 3,789 |
| Cost of funding earning assets | 1.0669% | 606 |
| Net interest margin | 2.6383% | 4,538 |
| Noninterest income to average assets | 0.1706% | 4,447 |
| Noninterest expense to average assets | 1.7602% | 4,553 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8574% | 2,873 |
| Return on assets (ROA) | 0.8871% | 2,871 |
| Pretax return on assets | 0.9739% | 3,152 |
| Return on Equity (ROE) | 7.0817% | 3,162 |
| Retained earnings to average equity (ytd only) | 6.0913% | 2,067 |
| Net charge-offs to loans | -0.0931% | 4,812 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1550% | 2,571 |
| Assets per employee ($millions) | 8.0921% | 964 |
| Cash dividends to net income (ytd only)* | 13.9860% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6456% | 4,670 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 28.5250% | 4,847 |
| Net loans and leases to deposits | 32.6446% | 4,872 |
| Net loans and leases to core deposits | 40.9222% | 4,773 |
| Total domestic deposits to total assets | 87.3805% | 1,509 |
| Equity capital to assets | 12.3881% | 1,472 |
| Core capital (leverage) ratio | 12.2700% | 1,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,972,500 | 4,177 |
| Average earning assets | $82,476,500 | 4,122 |
| Average equity | $10,769,250 | 4,115 |
| Average total loans | $24,354,500 | 4,657 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8455% | 3,755 |
| Cost of funding earning assets | 1.0917% | 731 |
| Net interest margin | 2.7537% | 4,502 |
| Noninterest income to average assets | 0.1742% | 4,418 |
| Noninterest expense to average assets | 1.6431% | 4,743 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0732% | 2,061 |
| Return on assets (ROA) | 1.0923% | 2,115 |
| Pretax return on assets | 1.2123% | 2,323 |
| Return on Equity (ROE) | 8.6864% | 2,499 |
| Retained earnings to average equity (ytd only) | 7.1888% | 1,578 |
| Net charge-offs to loans | -0.1419% | 4,904 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9734% | 3,685 |
| Assets per employee ($millions) | 8.0471% | 953 |
| Cash dividends to net income (ytd only)* | 17.2414% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6437% | 4,680 |
| Loan loss allowance to noncurrent loans | 3,300.0000% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 4,561 |
| Noncurrent loans to loans | 0.0195% | 4,421 |
| Net loans and leases to total assets | 28.7738% | 4,876 |
| Net loans and leases to deposits | 32.8755% | 4,906 |
| Net loans and leases to core deposits | 41.2436% | 4,810 |
| Total domestic deposits to total assets | 87.5234% | 1,405 |
| Equity capital to assets | 12.2981% | 1,482 |
| Core capital (leverage) ratio | 12.1934% | 1,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,959,000 | 4,198 |
| Average earning assets | $82,070,667 | 4,139 |
| Average equity | $10,683,333 | 4,138 |
| Average total loans | $23,954,000 | 4,690 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6214% | 4,498 |
| Cost of funding earning assets | 1.1090% | 1,017 |
| Net interest margin | 2.5124% | 4,818 |
| Noninterest income to average assets | 0.2068% | 4,310 |
| Noninterest expense to average assets | 1.6494% | 4,821 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9385% | 2,382 |
| Return on assets (ROA) | 0.9473% | 2,457 |
| Pretax return on assets | 1.0291% | 2,744 |
| Return on Equity (ROE) | 7.4466% | 2,764 |
| Retained earnings to average equity (ytd only) | 7.4466% | 1,394 |
| Net charge-offs to loans | -0.2077% | 4,942 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8018% | 3,521 |
| Assets per employee ($millions) | 7.6715% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6958% | 4,612 |
| Loan loss allowance to noncurrent loans | 126.9841% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 3,900 |
| Noncurrent loans to loans | 0.5479% | 2,625 |
| Net loans and leases to total assets | 27.0614% | 4,947 |
| Net loans and leases to deposits | 31.0348% | 4,961 |
| Net loans and leases to core deposits | 39.6748% | 4,879 |
| Total domestic deposits to total assets | 87.1969% | 1,470 |
| Equity capital to assets | 12.6775% | 1,636 |
| Core capital (leverage) ratio | 12.6464% | 1,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,179,500 | 4,223 |
| Average earning assets | $81,515,000 | 4,146 |
| Average equity | $10,582,000 | 4,170 |
| Average total loans | $23,113,500 | 4,743 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7667% | 4,612 |
| Cost of funding earning assets | 1.1294% | 1,230 |
| Net interest margin | 2.6373% | 4,879 |
| Noninterest income to average assets | 0.2067% | 4,421 |
| Noninterest expense to average assets | 1.9096% | 4,651 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8714% | 3,308 |
| Return on assets (ROA) | 0.8824% | 3,357 |
| Pretax return on assets | 0.8948% | 3,756 |
| Return on Equity (ROE) | 6.9576% | 3,555 |
| Retained earnings to average equity (ytd only) | 4.2253% | 2,843 |
| Net charge-offs to loans | 0.0304% | 2,791 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 667 |
| Efficiency ratio | 68.3651% | 2,407 |
| Assets per employee ($millions) | 7.4521% | 880 |
| Cash dividends to net income (ytd only)* | 39.2707% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6328% | 4,683 |
| Loan loss allowance to noncurrent loans | 116.6667% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.1537% | 3,866 |
| Noncurrent loans to loans | 0.5424% | 2,546 |
| Net loans and leases to total assets | 28.1605% | 4,992 |
| Net loans and leases to deposits | 32.3111% | 5,017 |
| Net loans and leases to core deposits | 41.0214% | 4,928 |
| Total domestic deposits to total assets | 87.1543% | 1,540 |
| Equity capital to assets | 12.7676% | 1,666 |
| Core capital (leverage) ratio | 12.4770% | 1,499 |
| Tier 1 risk-based capital ratio | 42.6753% | 205 |
| Total risk-based capital ratio | 43.2850% | 207 |
| Memoranda: | ||
| Average total assets | $80,801,800 | 4,271 |
| Average earning assets | $79,246,400 | 4,199 |
| Average equity | $10,247,800 | 4,208 |
| Average total loans | $23,050,600 | 4,807 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7650% | 4,713 |
| Cost of funding earning assets | 1.1278% | 1,252 |
| Net interest margin | 2.6371% | 4,977 |
| Noninterest income to average assets | 0.2103% | 4,465 |
| Noninterest expense to average assets | 1.8482% | 4,763 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8868% | 3,397 |
| Return on assets (ROA) | 0.8976% | 3,428 |
| Pretax return on assets | 0.9605% | 3,712 |
| Return on Equity (ROE) | 7.0895% | 3,641 |
| Retained earnings to average equity (ytd only) | 6.0430% | 2,355 |
| Net charge-offs to loans | 0.0116% | 2,950 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 286.1348% | 321 |
| Efficiency ratio | 66.0746% | 2,717 |
| Assets per employee ($millions) | 7.5361% | 830 |
| Cash dividends to net income (ytd only)* | 14.7596% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6387% | 4,754 |
| Loan loss allowance to noncurrent loans | 2,171.4286% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 4,722 |
| Noncurrent loans to loans | 0.0294% | 4,540 |
| Net loans and leases to total assets | 28.5258% | 5,077 |
| Net loans and leases to deposits | 32.7675% | 5,099 |
| Net loans and leases to core deposits | 41.2069% | 5,009 |
| Total domestic deposits to total assets | 87.0550% | 1,484 |
| Equity capital to assets | 12.6929% | 1,784 |
| Core capital (leverage) ratio | 12.5691% | 1,538 |
| Tier 1 risk-based capital ratio | 43.3984% | 192 |
| Total risk-based capital ratio | 44.0332% | 197 |
| Memoranda: | ||
| Average total assets | $80,509,000 | 4,330 |
| Average earning assets | $78,972,000 | 4,259 |
| Average equity | $10,193,250 | 4,258 |
| Average total loans | $23,005,500 | 4,878 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7368% | 4,786 |
| Cost of funding earning assets | 1.1126% | 1,251 |
| Net interest margin | 2.6242% | 5,058 |
| Noninterest income to average assets | 0.2208% | 4,421 |
| Noninterest expense to average assets | 1.8441% | 4,821 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8960% | 3,299 |
| Return on assets (ROA) | 0.9007% | 3,349 |
| Pretax return on assets | 0.9559% | 3,692 |
| Return on Equity (ROE) | 7.1204% | 3,631 |
| Retained earnings to average equity (ytd only) | 5.5337% | 2,499 |
| Net charge-offs to loans | 0.0352% | 2,162 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 94.7500% | 725 |
| Efficiency ratio | 65.9785% | 2,805 |
| Assets per employee ($millions) | 7.4442% | 837 |
| Cash dividends to net income (ytd only)* | 22.2841% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6329% | 4,819 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 28.7595% | 5,115 |
| Net loans and leases to deposits | 32.9670% | 5,140 |
| Net loans and leases to core deposits | 41.6056% | 5,050 |
| Total domestic deposits to total assets | 87.2371% | 1,474 |
| Equity capital to assets | 12.5736% | 1,817 |
| Core capital (leverage) ratio | 12.6740% | 1,449 |
| Tier 1 risk-based capital ratio | 42.4554% | 206 |
| Total risk-based capital ratio | 43.0794% | 207 |
| Memoranda: | ||
| Average total assets | $79,713,000 | 4,375 |
| Average earning assets | $78,195,330 | 4,293 |
| Average equity | $10,083,670 | 4,290 |
| Average total loans | $22,741,000 | 4,926 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7293% | 4,805 |
| Cost of funding earning assets | 1.0996% | 1,187 |
| Net interest margin | 2.6297% | 5,119 |
| Noninterest income to average assets | 0.2340% | 4,338 |
| Noninterest expense to average assets | 1.7958% | 4,929 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9768% | 2,938 |
| Return on assets (ROA) | 0.9768% | 2,982 |
| Pretax return on assets | 1.0175% | 3,389 |
| Return on Equity (ROE) | 7.6973% | 3,382 |
| Retained earnings to average equity (ytd only) | 7.6973% | 1,772 |
| Net charge-offs to loans | 0.1258% | 992 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 28.5714% | 1,357 |
| Efficiency ratio | 63.8336% | 3,264 |
| Assets per employee ($millions) | 7.1998% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6631% | 4,837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 27.8037% | 5,182 |
| Net loans and leases to deposits | 31.9241% | 5,194 |
| Net loans and leases to core deposits | 40.4103% | 5,104 |
| Total domestic deposits to total assets | 87.0931% | 1,761 |
| Equity capital to assets | 12.7794% | 1,578 |
| Core capital (leverage) ratio | 12.9150% | 1,314 |
| Tier 1 risk-based capital ratio | 44.0645% | 178 |
| Total risk-based capital ratio | 44.7049% | 178 |
| Memoranda: | ||
| Average total assets | $78,626,500 | 4,441 |
| Average earning assets | $77,118,000 | 4,355 |
| Average equity | $9,977,500 | 4,334 |
| Average total loans | $22,261,500 | 4,988 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5561% | 4,853 |
| Cost of funding earning assets | 0.8332% | 1,369 |
| Net interest margin | 2.7229% | 5,080 |
| Noninterest income to average assets | 0.2214% | 4,595 |
| Noninterest expense to average assets | 2.0259% | 4,709 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8600% | 3,579 |
| Return on assets (ROA) | 0.8613% | 3,567 |
| Pretax return on assets | 0.8651% | 3,986 |
| Return on Equity (ROE) | 6.9520% | 3,844 |
| Retained earnings to average equity (ytd only) | 4.2663% | 3,204 |
| Net charge-offs to loans | 0.0379% | 2,643 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 84.3750% | 836 |
| Efficiency ratio | 70.1063% | 2,162 |
| Assets per employee ($millions) | 6.5046% | 1,215 |
| Cash dividends to net income (ytd only)* | 38.6330% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6889% | 4,819 |
| Loan loss allowance to noncurrent loans | 1,400.0000% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 4,825 |
| Noncurrent loans to loans | 0.0492% | 4,520 |
| Net loans and leases to total assets | 28.4440% | 5,228 |
| Net loans and leases to deposits | 32.5705% | 5,237 |
| Net loans and leases to core deposits | 41.6103% | 5,135 |
| Total domestic deposits to total assets | 87.3307% | 1,626 |
| Equity capital to assets | 12.5988% | 1,535 |
| Core capital (leverage) ratio | 12.5227% | 1,444 |
| Tier 1 risk-based capital ratio | 42.8986% | 195 |
| Total risk-based capital ratio | 43.5648% | 199 |
| Memoranda: | ||
| Average total assets | $78,139,000 | 4,459 |
| Average earning assets | $76,571,800 | 4,370 |
| Average equity | $9,680,600 | 4,353 |
| Average total loans | $21,121,600 | 5,053 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4780% | 4,947 |
| Cost of funding earning assets | 0.7677% | 1,491 |
| Net interest margin | 2.7103% | 5,161 |
| Noninterest income to average assets | 0.2235% | 4,630 |
| Noninterest expense to average assets | 1.9703% | 4,794 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8905% | 3,578 |
| Return on assets (ROA) | 0.8922% | 3,576 |
| Pretax return on assets | 0.9109% | 3,984 |
| Return on Equity (ROE) | 7.2319% | 3,847 |
| Retained earnings to average equity (ytd only) | 6.1256% | 2,596 |
| Net charge-offs to loans | 0.0705% | 1,830 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 48.4424% | 1,191 |
| Efficiency ratio | 68.4242% | 2,456 |
| Assets per employee ($millions) | 6.6518% | 1,115 |
| Cash dividends to net income (ytd only)* | 15.2957% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6775% | 4,915 |
| Loan loss allowance to noncurrent loans | 1,372.7273% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 4,939 |
| Noncurrent loans to loans | 0.0494% | 4,675 |
| Net loans and leases to total assets | 27.7321% | 5,307 |
| Net loans and leases to deposits | 31.6894% | 5,327 |
| Net loans and leases to core deposits | 38.7196% | 5,256 |
| Total domestic deposits to total assets | 87.5121% | 1,480 |
| Equity capital to assets | 12.2524% | 1,738 |
| Core capital (leverage) ratio | 12.4635% | 1,521 |
| Tier 1 risk-based capital ratio | 42.7736% | 195 |
| Total risk-based capital ratio | 43.4227% | 197 |
| Memoranda: | ||
| Average total assets | $78,160,000 | 4,506 |
| Average earning assets | $76,593,500 | 4,417 |
| Average equity | $9,642,250 | 4,398 |
| Average total loans | $20,813,000 | 5,120 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4128% | 5,025 |
| Cost of funding earning assets | 0.7467% | 1,382 |
| Net interest margin | 2.6660% | 5,237 |
| Noninterest income to average assets | 0.2268% | 4,664 |
| Noninterest expense to average assets | 1.9766% | 4,839 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8608% | 3,626 |
| Return on assets (ROA) | 0.8633% | 3,615 |
| Pretax return on assets | 0.8659% | 4,065 |
| Return on Equity (ROE) | 6.9818% | 3,911 |
| Retained earnings to average equity (ytd only) | 5.3145% | 2,926 |
| Net charge-offs to loans | 0.1378% | 1,088 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 23.9286% | 1,695 |
| Efficiency ratio | 69.6007% | 2,380 |
| Assets per employee ($millions) | 6.8023% | 1,012 |
| Cash dividends to net income (ytd only)* | 23.8806% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7060% | 4,932 |
| Loan loss allowance to noncurrent loans | 1,345.4545% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 4,969 |
| Noncurrent loans to loans | 0.0525% | 4,682 |
| Net loans and leases to total assets | 25.4989% | 5,390 |
| Net loans and leases to deposits | 28.9836% | 5,408 |
| Net loans and leases to core deposits | 35.1279% | 5,353 |
| Total domestic deposits to total assets | 87.9770% | 1,399 |
| Equity capital to assets | 11.8588% | 1,953 |
| Core capital (leverage) ratio | 11.7525% | 1,869 |
| Tier 1 risk-based capital ratio | 42.9686% | 197 |
| Total risk-based capital ratio | 43.6208% | 197 |
| Memoranda: | ||
| Average total assets | $77,606,330 | 4,557 |
| Average earning assets | $76,067,670 | 4,469 |
| Average equity | $9,596,330 | 4,440 |
| Average total loans | $20,321,670 | 5,187 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3274% | 5,105 |
| Cost of funding earning assets | 0.7400% | 1,239 |
| Net interest margin | 2.5874% | 5,333 |
| Noninterest income to average assets | 0.2434% | 4,548 |
| Noninterest expense to average assets | 1.9525% | 4,936 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8519% | 3,493 |
| Return on assets (ROA) | 0.8519% | 3,509 |
| Pretax return on assets | 0.8254% | 4,091 |
| Return on Equity (ROE) | 6.7403% | 3,884 |
| Retained earnings to average equity (ytd only) | 6.7403% | 2,390 |
| Net charge-offs to loans | 0.1200% | 1,069 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,327 |
| Efficiency ratio | 70.2857% | 2,443 |
| Assets per employee ($millions) | 6.3488% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7647% | 4,878 |
| Loan loss allowance to noncurrent loans | 678.2609% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 4,958 |
| Noncurrent loans to loans | 0.1127% | 4,461 |
| Net loans and leases to total assets | 26.5731% | 5,435 |
| Net loans and leases to deposits | 30.4354% | 5,443 |
| Net loans and leases to core deposits | 37.2747% | 5,367 |
| Total domestic deposits to total assets | 87.3100% | 2,005 |
| Equity capital to assets | 12.5811% | 1,436 |
| Core capital (leverage) ratio | 12.8401% | 1,235 |
| Tier 1 risk-based capital ratio | 43.7449% | 187 |
| Total risk-based capital ratio | 44.4520% | 187 |
| Memoranda: | ||
| Average total assets | $75,596,000 | 4,652 |
| Average earning assets | $74,051,000 | 4,552 |
| Average equity | $9,554,500 | 4,493 |
| Average total loans | $20,001,500 | 5,257 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3477% | 5,014 |
| Cost of funding earning assets | 0.6732% | 1,165 |
| Net interest margin | 2.6745% | 5,295 |
| Noninterest income to average assets | 0.2300% | 4,760 |
| Noninterest expense to average assets | 2.0389% | 4,894 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7976% | 3,168 |
| Return on assets (ROA) | 0.8003% | 3,201 |
| Pretax return on assets | 0.8003% | 4,241 |
| Return on Equity (ROE) | 6.2308% | 3,658 |
| Retained earnings to average equity (ytd only) | 3.6876% | 3,022 |
| Net charge-offs to loans | 0.0592% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 48.8333% | 1,103 |
| Efficiency ratio | 71.8810% | 2,244 |
| Assets per employee ($millions) | 6.2438% | 1,354 |
| Cash dividends to net income (ytd only)* | 40.8163% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8264% | 4,751 |
| Loan loss allowance to noncurrent loans | 648.0000% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 4,975 |
| Noncurrent loans to loans | 0.1275% | 4,417 |
| Net loans and leases to total assets | 25.9456% | 5,504 |
| Net loans and leases to deposits | 29.7012% | 5,520 |
| Net loans and leases to core deposits | 36.7243% | 5,445 |
| Total domestic deposits to total assets | 87.3555% | 1,834 |
| Equity capital to assets | 12.6044% | 1,457 |
| Core capital (leverage) ratio | 12.7324% | 1,251 |
| Tier 1 risk-based capital ratio | 44.3748% | 163 |
| Total risk-based capital ratio | 45.1323% | 165 |
| Memoranda: | ||
| Average total assets | $73,470,600 | 4,714 |
| Average earning assets | $71,602,400 | 4,636 |
| Average equity | $9,437,000 | 4,535 |
| Average total loans | $20,254,400 | 5,306 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3439% | 5,047 |
| Cost of funding earning assets | 0.6523% | 1,221 |
| Net interest margin | 2.6916% | 5,329 |
| Noninterest income to average assets | 0.2353% | 4,804 |
| Noninterest expense to average assets | 1.9368% | 5,075 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9065% | 2,996 |
| Return on assets (ROA) | 0.9137% | 3,013 |
| Pretax return on assets | 0.9246% | 3,954 |
| Return on Equity (ROE) | 7.0796% | 3,614 |
| Retained earnings to average equity (ytd only) | 5.9492% | 2,274 |
| Net charge-offs to loans | 0.0980% | 1,802 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 33.5325% | 1,463 |
| Efficiency ratio | 67.8594% | 2,894 |
| Assets per employee ($millions) | 6.2932% | 1,310 |
| Cash dividends to net income (ytd only)* | 15.9675% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7792% | 4,955 |
| Loan loss allowance to noncurrent loans | 363.6364% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 4,945 |
| Noncurrent loans to loans | 0.2143% | 4,207 |
| Net loans and leases to total assets | 26.9790% | 5,549 |
| Net loans and leases to deposits | 31.0395% | 5,572 |
| Net loans and leases to core deposits | 39.5251% | 5,472 |
| Total domestic deposits to total assets | 86.9184% | 1,897 |
| Equity capital to assets | 12.8446% | 1,469 |
| Core capital (leverage) ratio | 12.9088% | 1,249 |
| Tier 1 risk-based capital ratio | 44.4754% | 173 |
| Total risk-based capital ratio | 45.2172% | 172 |
| Memoranda: | ||
| Average total assets | $73,106,750 | 4,772 |
| Average earning assets | $71,132,750 | 4,690 |
| Average equity | $9,435,250 | 4,584 |
| Average total loans | $20,417,500 | 5,359 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3349% | 5,051 |
| Cost of funding earning assets | 0.6408% | 1,206 |
| Net interest margin | 2.6941% | 5,365 |
| Noninterest income to average assets | 0.2434% | 4,783 |
| Noninterest expense to average assets | 1.9806% | 5,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9156% | 2,833 |
| Return on assets (ROA) | 0.9156% | 2,887 |
| Pretax return on assets | 0.8796% | 3,995 |
| Return on Equity (ROE) | 7.0825% | 3,513 |
| Retained earnings to average equity (ytd only) | 5.3707% | 2,481 |
| Net charge-offs to loans | 0.1963% | 1,028 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 15.9000% | 2,002 |
| Efficiency ratio | 69.2456% | 2,809 |
| Assets per employee ($millions) | 6.1024% | 1,384 |
| Cash dividends to net income (ytd only)* | 24.1692% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7647% | 5,035 |
| Loan loss allowance to noncurrent loans | 455.8824% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 5,047 |
| Noncurrent loans to loans | 0.1677% | 4,443 |
| Net loans and leases to total assets | 27.4686% | 5,578 |
| Net loans and leases to deposits | 31.6483% | 5,606 |
| Net loans and leases to core deposits | 39.2572% | 5,518 |
| Total domestic deposits to total assets | 86.7935% | 2,042 |
| Equity capital to assets | 13.0358% | 1,363 |
| Core capital (leverage) ratio | 12.9295% | 1,200 |
| Tier 1 risk-based capital ratio | 44.1193% | 169 |
| Total risk-based capital ratio | 44.8462% | 170 |
| Memoranda: | ||
| Average total assets | $72,303,000 | 4,814 |
| Average earning assets | $70,227,330 | 4,740 |
| Average equity | $9,347,000 | 4,620 |
| Average total loans | $20,378,670 | 5,397 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3312% | 5,057 |
| Cost of funding earning assets | 0.6329% | 1,171 |
| Net interest margin | 2.6983% | 5,395 |
| Noninterest income to average assets | 0.2561% | 4,702 |
| Noninterest expense to average assets | 1.8931% | 5,251 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0245% | 2,202 |
| Return on assets (ROA) | 1.0245% | 2,257 |
| Pretax return on assets | 0.9744% | 3,482 |
| Return on Equity (ROE) | 7.9589% | 2,942 |
| Retained earnings to average equity (ytd only) | 7.9589% | 1,477 |
| Net charge-offs to loans | -0.0196% | 4,736 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0194% | 3,495 |
| Assets per employee ($millions) | 6.0356% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8685% | 4,870 |
| Loan loss allowance to noncurrent loans | 314.2857% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 4,963 |
| Noncurrent loans to loans | 0.2763% | 4,119 |
| Net loans and leases to total assets | 27.7369% | 5,634 |
| Net loans and leases to deposits | 31.8979% | 5,654 |
| Net loans and leases to core deposits | 39.8046% | 5,528 |
| Total domestic deposits to total assets | 86.9551% | 2,239 |
| Equity capital to assets | 12.9372% | 1,282 |
| Core capital (leverage) ratio | 13.1017% | 1,101 |
| Tier 1 risk-based capital ratio | 44.0352% | 175 |
| Total risk-based capital ratio | 44.8641% | 179 |
| Memoranda: | ||
| Average total assets | $71,840,000 | 4,872 |
| Average earning assets | $69,524,500 | 4,792 |
| Average equity | $9,247,500 | 4,667 |
| Average total loans | $20,433,000 | 5,448 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3253% | 5,124 |
| Cost of funding earning assets | 0.6038% | 1,304 |
| Net interest margin | 2.7215% | 5,394 |
| Noninterest income to average assets | 0.2483% | 4,940 |
| Noninterest expense to average assets | 2.1083% | 4,987 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7458% | 3,557 |
| Return on assets (ROA) | 0.9280% | 2,807 |
| Pretax return on assets | 0.9515% | 3,652 |
| Return on Equity (ROE) | 7.2122% | 3,364 |
| Retained earnings to average equity (ytd only) | 4.6248% | 2,610 |
| Net charge-offs to loans | 0.0905% | 2,403 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 30.6667% | 1,414 |
| Efficiency ratio | 73.3591% | 2,365 |
| Assets per employee ($millions) | 5.9378% | 1,524 |
| Cash dividends to net income (ytd only)* | 35.8744% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8495% | 4,959 |
| Loan loss allowance to noncurrent loans | 648.1481% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 5,211 |
| Noncurrent loans to loans | 0.1311% | 4,708 |
| Net loans and leases to total assets | 28.6669% | 5,666 |
| Net loans and leases to deposits | 32.8911% | 5,699 |
| Net loans and leases to core deposits | 40.6205% | 5,584 |
| Total domestic deposits to total assets | 87.1570% | 2,054 |
| Equity capital to assets | 12.8065% | 1,346 |
| Core capital (leverage) ratio | 12.7110% | 1,247 |
| Tier 1 risk-based capital ratio | 42.2249% | 200 |
| Total risk-based capital ratio | 43.0300% | 202 |
| Memoranda: | ||
| Average total assets | $72,094,400 | 4,890 |
| Average earning assets | $69,558,200 | 4,814 |
| Average equity | $9,276,000 | 4,693 |
| Average total loans | $19,881,000 | 5,523 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3130% | 5,197 |
| Cost of funding earning assets | 0.5933% | 1,383 |
| Net interest margin | 2.7197% | 5,469 |
| Noninterest income to average assets | 0.2489% | 4,977 |
| Noninterest expense to average assets | 2.0598% | 5,088 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7713% | 3,505 |
| Return on assets (ROA) | 1.0271% | 2,435 |
| Pretax return on assets | 1.0787% | 3,322 |
| Return on Equity (ROE) | 7.9737% | 3,020 |
| Retained earnings to average equity (ytd only) | 6.8284% | 1,708 |
| Net charge-offs to loans | 0.1421% | 1,568 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 20.9043% | 1,845 |
| Efficiency ratio | 71.7866% | 2,608 |
| Assets per employee ($millions) | 6.0633% | 1,388 |
| Cash dividends to net income (ytd only)* | 14.3621% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8441% | 5,060 |
| Loan loss allowance to noncurrent loans | 661.5385% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 5,342 |
| Noncurrent loans to loans | 0.1276% | 4,829 |
| Net loans and leases to total assets | 27.7684% | 5,759 |
| Net loans and leases to deposits | 32.0383% | 5,786 |
| Net loans and leases to core deposits | 39.4309% | 5,694 |
| Total domestic deposits to total assets | 86.6724% | 2,050 |
| Equity capital to assets | 13.0967% | 1,447 |
| Core capital (leverage) ratio | 12.6807% | 1,320 |
| Tier 1 risk-based capital ratio | 42.8366% | 195 |
| Total risk-based capital ratio | 43.6343% | 199 |
| Memoranda: | ||
| Average total assets | $72,304,750 | 4,924 |
| Average earning assets | $69,663,250 | 4,855 |
| Average equity | $9,313,750 | 4,739 |
| Average total loans | $19,701,000 | 5,582 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3115% | 5,269 |
| Cost of funding earning assets | 0.5869% | 1,421 |
| Net interest margin | 2.7246% | 5,542 |
| Noninterest income to average assets | 0.2495% | 4,984 |
| Noninterest expense to average assets | 2.0623% | 5,139 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7932% | 3,340 |
| Return on assets (ROA) | 1.0866% | 2,141 |
| Pretax return on assets | 1.1115% | 3,157 |
| Return on Equity (ROE) | 8.4830% | 2,757 |
| Retained earnings to average equity (ytd only) | 6.7518% | 1,738 |
| Net charge-offs to loans | 0.1643% | 1,349 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 18.3125% | 1,832 |
| Efficiency ratio | 71.7454% | 2,707 |
| Assets per employee ($millions) | 6.0290% | 1,377 |
| Cash dividends to net income (ytd only)* | 20.4082% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8920% | 4,981 |
| Loan loss allowance to noncurrent loans | 655.5556% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 5,428 |
| Noncurrent loans to loans | 0.1361% | 4,897 |
| Net loans and leases to total assets | 27.1811% | 5,844 |
| Net loans and leases to deposits | 31.3032% | 5,865 |
| Net loans and leases to core deposits | 38.0743% | 5,785 |
| Total domestic deposits to total assets | 86.8317% | 1,997 |
| Equity capital to assets | 12.9955% | 1,504 |
| Core capital (leverage) ratio | 12.6075% | 1,300 |
| Tier 1 risk-based capital ratio | 42.3619% | 202 |
| Total risk-based capital ratio | 43.1855% | 202 |
| Memoranda: | ||
| Average total assets | $72,153,330 | 4,976 |
| Average earning assets | $69,515,670 | 4,899 |
| Average equity | $9,242,000 | 4,792 |
| Average total loans | $19,476,000 | 5,651 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2683% | 5,379 |
| Cost of funding earning assets | 0.5832% | 1,457 |
| Net interest margin | 2.6851% | 5,635 |
| Noninterest income to average assets | 0.2720% | 4,787 |
| Noninterest expense to average assets | 1.9429% | 5,447 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7940% | 3,277 |
| Return on assets (ROA) | 1.3156% | 1,295 |
| Pretax return on assets | 1.5099% | 1,551 |
| Return on Equity (ROE) | 10.3471% | 1,839 |
| Retained earnings to average equity (ytd only) | 10.3471% | 779 |
| Net charge-offs to loans | 0.5183% | 418 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 6.5600% | 2,234 |
| Efficiency ratio | 68.0934% | 3,456 |
| Assets per employee ($millions) | 6.0318% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8589% | 5,190 |
| Loan loss allowance to noncurrent loans | 600.0000% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 5,474 |
| Noncurrent loans to loans | 0.1431% | 4,904 |
| Net loans and leases to total assets | 26.7926% | 5,900 |
| Net loans and leases to deposits | 30.7664% | 5,917 |
| Net loans and leases to core deposits | 37.1820% | 5,835 |
| Total domestic deposits to total assets | 87.0838% | 2,170 |
| Equity capital to assets | 12.8112% | 1,504 |
| Core capital (leverage) ratio | 12.5066% | 1,335 |
| Tier 1 risk-based capital ratio | 42.5933% | 203 |
| Total risk-based capital ratio | 43.3889% | 204 |
| Memoranda: | ||
| Average total assets | $72,056,000 | 5,024 |
| Average earning assets | $69,270,500 | 4,947 |
| Average equity | $9,162,000 | 4,827 |
| Average total loans | $19,293,000 | 5,703 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3587% | 5,247 |
| Cost of funding earning assets | 0.5893% | 1,439 |
| Net interest margin | 2.7694% | 5,572 |
| Noninterest income to average assets | 0.2486% | 5,108 |
| Noninterest expense to average assets | 2.0709% | 5,312 |
| Loan and lease loss provision to assets | 0.0209% | 3,971 |
| Net operating income to assets | 0.7778% | 3,433 |
| Return on assets (ROA) | 0.8490% | 3,188 |
| Pretax return on assets | 0.8462% | 4,037 |
| Return on Equity (ROE) | 6.8135% | 3,613 |
| Retained earnings to average equity (ytd only) | 4.1240% | 3,068 |
| Net charge-offs to loans | -0.0270% | 5,364 |
| Credit loss provision to net charge-offs | -300.0000% | 5,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2358% | 2,864 |
| Assets per employee ($millions) | 5.9775% | 1,406 |
| Cash dividends to net income (ytd only)* | 39.4737% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0145% | 4,519 |
| Loan loss allowance to noncurrent loans | 419.5652% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 5,389 |
| Noncurrent loans to loans | 0.2418% | 4,566 |
| Net loans and leases to total assets | 26.2540% | 5,971 |
| Net loans and leases to deposits | 30.0567% | 5,989 |
| Net loans and leases to core deposits | 36.3286% | 5,914 |
| Total domestic deposits to total assets | 87.3484% | 1,956 |
| Equity capital to assets | 12.6182% | 1,552 |
| Core capital (leverage) ratio | 11.9569% | 1,645 |
| Tier 1 risk-based capital ratio | 41.0336% | 215 |
| Total risk-based capital ratio | 41.9420% | 218 |
| Memoranda: | ||
| Average total assets | $71,610,600 | 5,052 |
| Average earning assets | $67,705,000 | 4,990 |
| Average equity | $8,923,400 | 4,869 |
| Average total loans | $18,509,000 | 5,778 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3810% | 5,242 |
| Cost of funding earning assets | 0.5859% | 1,494 |
| Net interest margin | 2.7951% | 5,585 |
| Noninterest income to average assets | 0.2515% | 5,139 |
| Noninterest expense to average assets | 2.0061% | 5,468 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8447% | 3,193 |
| Return on assets (ROA) | 0.9351% | 2,875 |
| Pretax return on assets | 0.9686% | 3,748 |
| Return on Equity (ROE) | 7.5276% | 3,317 |
| Retained earnings to average equity (ytd only) | 6.3280% | 2,051 |
| Net charge-offs to loans | -0.0145% | 5,101 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6186% | 3,262 |
| Assets per employee ($millions) | 6.0021% | 1,371 |
| Cash dividends to net income (ytd only)* | 15.9356% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9238% | 5,104 |
| Loan loss allowance to noncurrent loans | 603.4483% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 5,623 |
| Noncurrent loans to loans | 0.1531% | 5,025 |
| Net loans and leases to total assets | 26.0590% | 6,062 |
| Net loans and leases to deposits | 29.8979% | 6,078 |
| Net loans and leases to core deposits | 36.1673% | 6,010 |
| Total domestic deposits to total assets | 87.1600% | 1,953 |
| Equity capital to assets | 12.6178% | 1,677 |
| Core capital (leverage) ratio | 12.1436% | 1,597 |
| Tier 1 risk-based capital ratio | 40.9642% | 236 |
| Total risk-based capital ratio | 41.7801% | 241 |
| Memoranda: | ||
| Average total assets | $71,580,750 | 5,114 |
| Average earning assets | $67,355,500 | 5,063 |
| Average equity | $8,891,500 | 4,936 |
| Average total loans | $18,380,000 | 5,858 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3595% | 5,311 |
| Cost of funding earning assets | 0.5872% | 1,507 |
| Net interest margin | 2.7723% | 5,670 |
| Noninterest income to average assets | 0.2463% | 5,191 |
| Noninterest expense to average assets | 1.9341% | 5,656 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8588% | 3,090 |
| Return on assets (ROA) | 0.9824% | 2,598 |
| Pretax return on assets | 1.0468% | 3,390 |
| Return on Equity (ROE) | 7.9538% | 3,082 |
| Retained earnings to average equity (ytd only) | 6.1409% | 2,149 |
| Net charge-offs to loans | -0.0220% | 5,205 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8782% | 3,687 |
| Assets per employee ($millions) | 5.9617% | 1,388 |
| Cash dividends to net income (ytd only)* | 22.7920% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9418% | 5,132 |
| Loan loss allowance to noncurrent loans | 500.0000% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 5,661 |
| Noncurrent loans to loans | 0.1884% | 5,026 |
| Net loans and leases to total assets | 25.7283% | 6,137 |
| Net loans and leases to deposits | 29.4614% | 6,150 |
| Net loans and leases to core deposits | 35.5603% | 6,071 |
| Total domestic deposits to total assets | 87.3288% | 1,997 |
| Equity capital to assets | 12.4140% | 1,709 |
| Core capital (leverage) ratio | 12.0515% | 1,623 |
| Tier 1 risk-based capital ratio | 39.9926% | 254 |
| Total risk-based capital ratio | 40.8024% | 267 |
| Memoranda: | ||
| Average total assets | $71,456,000 | 5,171 |
| Average earning assets | $67,093,000 | 5,128 |
| Average equity | $8,826,000 | 4,980 |
| Average total loans | $18,192,000 | 5,918 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3651% | 5,295 |
| Cost of funding earning assets | 0.5981% | 1,449 |
| Net interest margin | 2.7670% | 5,709 |
| Noninterest income to average assets | 0.2633% | 5,069 |
| Noninterest expense to average assets | 1.8820% | 5,790 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8184% | 3,164 |
| Return on assets (ROA) | 1.0474% | 2,191 |
| Pretax return on assets | 1.2098% | 2,624 |
| Return on Equity (ROE) | 8.5014% | 2,696 |
| Retained earnings to average equity (ytd only) | 8.5014% | 1,375 |
| Net charge-offs to loans | 0.0445% | 2,358 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 84.5000% | 566 |
| Efficiency ratio | 66.5347% | 4,063 |
| Assets per employee ($millions) | 6.0229% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 5,283 |
| Loan loss allowance to noncurrent loans | 515.1515% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 5,756 |
| Noncurrent loans to loans | 0.1829% | 5,125 |
| Net loans and leases to total assets | 24.7347% | 6,199 |
| Net loans and leases to deposits | 28.3043% | 6,213 |
| Net loans and leases to core deposits | 34.0664% | 6,139 |
| Total domestic deposits to total assets | 87.3884% | 2,173 |
| Equity capital to assets | 12.3334% | 1,802 |
| Core capital (leverage) ratio | 12.0429% | 1,616 |
| Tier 1 risk-based capital ratio | 40.3926% | 255 |
| Total risk-based capital ratio | 41.1891% | 259 |
| Memoranda: | ||
| Average total assets | $71,414,000 | 5,224 |
| Average earning assets | $66,209,500 | 5,195 |
| Average equity | $8,798,500 | 5,036 |
| Average total loans | $17,997,500 | 5,975 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5455% | 5,215 |
| Cost of funding earning assets | 0.6365% | 1,503 |
| Net interest margin | 2.9091% | 5,625 |
| Noninterest income to average assets | 0.2906% | 5,040 |
| Noninterest expense to average assets | 2.0848% | 5,611 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0461% | 2,184 |
| Return on assets (ROA) | 1.0476% | 2,244 |
| Pretax return on assets | 0.9045% | 3,887 |
| Return on Equity (ROE) | 8.4611% | 2,867 |
| Retained earnings to average equity (ytd only) | 5.5725% | 2,215 |
| Net charge-offs to loans | -0.0059% | 5,483 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7756% | 3,570 |
| Assets per employee ($millions) | 6.4139% | 1,108 |
| Cash dividends to net income (ytd only)* | 34.1394% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9583% | 5,254 |
| Loan loss allowance to noncurrent loans | 491.4286% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 5,829 |
| Noncurrent loans to loans | 0.1950% | 5,120 |
| Net loans and leases to total assets | 25.1952% | 6,293 |
| Net loans and leases to deposits | 28.7424% | 6,309 |
| Net loans and leases to core deposits | 33.9321% | 6,240 |
| Total domestic deposits to total assets | 87.6589% | 1,950 |
| Equity capital to assets | 12.3071% | 1,775 |
| Core capital (leverage) ratio | 11.7672% | 1,785 |
| Tier 1 risk-based capital ratio | 31.1748% | 468 |
| Total risk-based capital ratio | 31.8135% | 480 |
| Memoranda: | ||
| Average total assets | $67,105,400 | 5,367 |
| Average earning assets | $62,219,400 | 5,334 |
| Average equity | $8,308,600 | 5,126 |
| Average total loans | $16,914,000 | 6,091 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5747% | 5,212 |
| Cost of funding earning assets | 0.6413% | 1,520 |
| Net interest margin | 2.9334% | 5,629 |
| Noninterest income to average assets | 0.2979% | 5,073 |
| Noninterest expense to average assets | 2.0328% | 5,714 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1090% | 1,990 |
| Return on assets (ROA) | 1.1070% | 2,062 |
| Pretax return on assets | 0.9883% | 3,639 |
| Return on Equity (ROE) | 8.9266% | 2,733 |
| Retained earnings to average equity (ytd only) | 7.6281% | 1,518 |
| Net charge-offs to loans | -0.0080% | 5,384 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2437% | 3,999 |
| Assets per employee ($millions) | 6.3487% | 1,113 |
| Cash dividends to net income (ytd only)* | 14.5448% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 5,189 |
| Loan loss allowance to noncurrent loans | 521.2121% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 5,970 |
| Noncurrent loans to loans | 0.1932% | 5,327 |
| Net loans and leases to total assets | 24.2139% | 6,384 |
| Net loans and leases to deposits | 27.6719% | 6,397 |
| Net loans and leases to core deposits | 32.6152% | 6,351 |
| Total domestic deposits to total assets | 87.5036% | 2,027 |
| Equity capital to assets | 12.2802% | 1,846 |
| Core capital (leverage) ratio | 12.1993% | 1,570 |
| Tier 1 risk-based capital ratio | 31.9777% | 442 |
| Total risk-based capital ratio | 32.6339% | 451 |
| Memoranda: | ||
| Average total assets | $66,243,500 | 5,446 |
| Average earning assets | $61,542,750 | 5,419 |
| Average equity | $8,215,000 | 5,189 |
| Average total loans | $16,655,500 | 6,164 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6446% | 5,026 |
| Cost of funding earning assets | 0.6451% | 1,548 |
| Net interest margin | 2.9995% | 5,529 |
| Noninterest income to average assets | 0.3013% | 5,000 |
| Noninterest expense to average assets | 2.0447% | 5,738 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2115% | 1,555 |
| Return on assets (ROA) | 1.2115% | 1,618 |
| Pretax return on assets | 1.0300% | 3,357 |
| Return on Equity (ROE) | 9.7348% | 2,267 |
| Retained earnings to average equity (ytd only) | 7.7582% | 1,409 |
| Net charge-offs to loans | -0.0242% | 5,606 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5000% | 4,285 |
| Assets per employee ($millions) | 6.1111% | 1,215 |
| Cash dividends to net income (ytd only)* | 20.3046% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 5,138 |
| Loan loss allowance to noncurrent loans | 480.5556% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 6,029 |
| Noncurrent loans to loans | 0.2177% | 5,356 |
| Net loans and leases to total assets | 24.3373% | 6,445 |
| Net loans and leases to deposits | 27.8506% | 6,462 |
| Net loans and leases to core deposits | 32.8686% | 6,393 |
| Total domestic deposits to total assets | 87.3851% | 2,253 |
| Equity capital to assets | 12.4543% | 1,673 |
| Core capital (leverage) ratio | 12.3914% | 1,449 |
| Tier 1 risk-based capital ratio | 32.0466% | 445 |
| Total risk-based capital ratio | 32.7225% | 456 |
| Memoranda: | ||
| Average total assets | $65,046,000 | 5,528 |
| Average earning assets | $60,144,330 | 5,500 |
| Average equity | $8,094,670 | 5,253 |
| Average total loans | $16,513,330 | 6,220 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6922% | 4,875 |
| Cost of funding earning assets | 0.6547% | 1,558 |
| Net interest margin | 3.0374% | 5,420 |
| Noninterest income to average assets | 0.3252% | 4,767 |
| Noninterest expense to average assets | 1.9763% | 5,930 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4947% | 827 |
| Return on assets (ROA) | 1.4947% | 855 |
| Pretax return on assets | 1.1633% | 2,645 |
| Return on Equity (ROE) | 12.0161% | 1,400 |
| Retained earnings to average equity (ytd only) | 12.0161% | 602 |
| Net charge-offs to loans | -0.0242% | 5,445 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9482% | 5,007 |
| Assets per employee ($millions) | 5.8701% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 5,314 |
| Loan loss allowance to noncurrent loans | 860.0000% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0310% | 6,198 |
| Noncurrent loans to loans | 0.1222% | 5,747 |
| Net loans and leases to total assets | 25.0871% | 6,487 |
| Net loans and leases to deposits | 28.7410% | 6,504 |
| Net loans and leases to core deposits | 33.4842% | 6,422 |
| Total domestic deposits to total assets | 87.2869% | 2,643 |
| Equity capital to assets | 12.6109% | 1,517 |
| Core capital (leverage) ratio | 12.5773% | 1,352 |
| Tier 1 risk-based capital ratio | 32.2341% | 439 |
| Total risk-based capital ratio | 32.9224% | 455 |
| Memoranda: | ||
| Average total assets | $63,958,000 | 5,622 |
| Average earning assets | $59,260,500 | 5,581 |
| Average equity | $7,956,000 | 5,312 |
| Average total loans | $16,503,500 | 6,286 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9002% | 4,463 |
| Cost of funding earning assets | 0.6964% | 1,842 |
| Net interest margin | 3.2038% | 4,987 |
| Noninterest income to average assets | 0.3087% | 5,131 |
| Noninterest expense to average assets | 2.2323% | 5,549 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0970% | 1,945 |
| Return on assets (ROA) | 1.0987% | 2,006 |
| Pretax return on assets | 1.0406% | 3,190 |
| Return on Equity (ROE) | 8.3677% | 2,844 |
| Retained earnings to average equity (ytd only) | 5.3341% | 2,392 |
| Net charge-offs to loans | -0.0609% | 6,375 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2395% | 4,155 |
| Assets per employee ($millions) | 5.7586% | 1,437 |
| Cash dividends to net income (ytd only)* | 36.2538% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 5,426 |
| Loan loss allowance to noncurrent loans | 777.2727% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 6,274 |
| Noncurrent loans to loans | 0.1322% | 5,809 |
| Net loans and leases to total assets | 25.9926% | 6,567 |
| Net loans and leases to deposits | 29.6384% | 6,590 |
| Net loans and leases to core deposits | 35.2253% | 6,494 |
| Total domestic deposits to total assets | 87.6991% | 2,361 |
| Equity capital to assets | 12.2646% | 1,643 |
| Core capital (leverage) ratio | 12.4410% | 1,388 |
| Tier 1 risk-based capital ratio | 31.0851% | 459 |
| Total risk-based capital ratio | 31.7667% | 476 |
| Memoranda: | ||
| Average total assets | $60,252,800 | 5,745 |
| Average earning assets | $55,715,800 | 5,711 |
| Average equity | $7,911,400 | 5,361 |
| Average total loans | $16,415,000 | 6,356 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9533% | 4,306 |
| Cost of funding earning assets | 0.7047% | 1,921 |
| Net interest margin | 3.2487% | 4,834 |
| Noninterest income to average assets | 0.2824% | 5,428 |
| Noninterest expense to average assets | 2.1161% | 5,795 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2419% | 1,502 |
| Return on assets (ROA) | 1.2441% | 1,572 |
| Pretax return on assets | 1.1656% | 2,828 |
| Return on Equity (ROE) | 9.3114% | 2,483 |
| Retained earnings to average equity (ytd only) | 7.9693% | 1,418 |
| Net charge-offs to loans | -0.0815% | 6,450 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5249% | 4,718 |
| Assets per employee ($millions) | 5.4778% | 1,647 |
| Cash dividends to net income (ytd only)* | 14.4139% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0595% | 5,486 |
| Loan loss allowance to noncurrent loans | 633.3333% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 6,337 |
| Noncurrent loans to loans | 0.1673% | 5,820 |
| Net loans and leases to total assets | 26.5003% | 6,639 |
| Net loans and leases to deposits | 30.5321% | 6,658 |
| Net loans and leases to core deposits | 35.3204% | 6,583 |
| Total domestic deposits to total assets | 86.7947% | 2,805 |
| Equity capital to assets | 12.9730% | 1,344 |
| Core capital (leverage) ratio | 13.4945% | 1,026 |
| Tier 1 risk-based capital ratio | 33.8666% | 374 |
| Total risk-based capital ratio | 34.5847% | 383 |
| Memoranda: | ||
| Average total assets | $59,479,750 | 5,835 |
| Average earning assets | $54,872,500 | 5,798 |
| Average equity | $7,947,000 | 5,405 |
| Average total loans | $16,359,750 | 6,419 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9704% | 4,221 |
| Cost of funding earning assets | 0.7112% | 1,990 |
| Net interest margin | 3.2592% | 4,734 |
| Noninterest income to average assets | 0.2837% | 5,418 |
| Noninterest expense to average assets | 2.1276% | 5,806 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2800% | 1,375 |
| Return on assets (ROA) | 1.2935% | 1,430 |
| Pretax return on assets | 1.1719% | 2,800 |
| Return on Equity (ROE) | 9.5866% | 2,382 |
| Retained earnings to average equity (ytd only) | 7.5842% | 1,633 |
| Net charge-offs to loans | -0.2312% | 6,702 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7482% | 4,748 |
| Assets per employee ($millions) | 5.4219% | 1,666 |
| Cash dividends to net income (ytd only)* | 20.8877% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 5,410 |
| Loan loss allowance to noncurrent loans | 750.0000% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 6,386 |
| Noncurrent loans to loans | 0.1477% | 5,951 |
| Net loans and leases to total assets | 26.9345% | 6,653 |
| Net loans and leases to deposits | 31.1155% | 6,676 |
| Net loans and leases to core deposits | 36.4619% | 6,589 |
| Total domestic deposits to total assets | 86.5629% | 3,087 |
| Equity capital to assets | 13.2677% | 1,234 |
| Core capital (leverage) ratio | 13.0684% | 1,138 |
| Tier 1 risk-based capital ratio | 33.0901% | 403 |
| Total risk-based capital ratio | 33.8449% | 410 |
| Memoranda: | ||
| Average total assets | $59,221,000 | 5,871 |
| Average earning assets | $54,554,000 | 5,842 |
| Average equity | $7,990,330 | 5,433 |
| Average total loans | $16,433,330 | 6,456 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0248% | 4,014 |
| Cost of funding earning assets | 0.7116% | 2,120 |
| Net interest margin | 3.3132% | 4,469 |
| Noninterest income to average assets | 0.3254% | 5,102 |
| Noninterest expense to average assets | 2.0267% | 6,046 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4777% | 897 |
| Return on assets (ROA) | 1.5048% | 923 |
| Pretax return on assets | 1.3557% | 2,021 |
| Return on Equity (ROE) | 11.0599% | 1,687 |
| Retained earnings to average equity (ytd only) | 11.0599% | 857 |
| Net charge-offs to loans | -0.4356% | 6,835 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4040% | 5,531 |
| Assets per employee ($millions) | 5.3754% | 1,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0992% | 5,611 |
| Loan loss allowance to noncurrent loans | 559.3750% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 6,446 |
| Noncurrent loans to loans | 0.1965% | 5,912 |
| Net loans and leases to total assets | 27.2387% | 6,692 |
| Net loans and leases to deposits | 31.6418% | 6,699 |
| Net loans and leases to core deposits | 35.4945% | 6,636 |
| Total domestic deposits to total assets | 86.0847% | 3,485 |
| Equity capital to assets | 13.6938% | 1,139 |
| Core capital (leverage) ratio | 13.2910% | 1,016 |
| Tier 1 risk-based capital ratio | 33.3362% | 400 |
| Total risk-based capital ratio | 34.1001% | 405 |
| Memoranda: | ||
| Average total assets | $59,011,000 | 5,928 |
| Average earning assets | $53,966,000 | 5,902 |
| Average equity | $8,029,000 | 5,478 |
| Average total loans | $16,528,000 | 6,504 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0459% | 5,161 |
| Cost of funding earning assets | 0.7872% | 2,763 |
| Net interest margin | 3.2588% | 5,403 |
| Noninterest income to average assets | 0.2091% | 5,919 |
| Noninterest expense to average assets | 2.1802% | 5,965 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0712% | 2,049 |
| Return on assets (ROA) | 1.1467% | 1,953 |
| Pretax return on assets | 1.1484% | 2,994 |
| Return on Equity (ROE) | 8.6047% | 2,827 |
| Retained earnings to average equity (ytd only) | 5.5178% | 2,372 |
| Net charge-offs to loans | 0.0369% | 5,408 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 104.3333% | 371 |
| Efficiency ratio | 67.0179% | 4,326 |
| Assets per employee ($millions) | 5.8893% | 1,366 |
| Cash dividends to net income (ytd only)* | 35.8744% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9600% | 6,093 |
| Loan loss allowance to noncurrent loans | 268.3333% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.1019% | 6,332 |
| Noncurrent loans to loans | 0.3578% | 5,592 |
| Net loans and leases to total assets | 28.2037% | 6,757 |
| Net loans and leases to deposits | 32.7155% | 6,770 |
| Net loans and leases to core deposits | 37.8610% | 6,680 |
| Total domestic deposits to total assets | 86.2089% | 3,249 |
| Equity capital to assets | 13.5177% | 1,218 |
| Core capital (leverage) ratio | 12.8514% | 1,174 |
| Tier 1 risk-based capital ratio | 31.8064% | 438 |
| Total risk-based capital ratio | 32.4811% | 451 |
| Memoranda: | ||
| Average total assets | $58,343,800 | 5,963 |
| Average earning assets | $54,499,400 | 5,911 |
| Average equity | $7,774,800 | 5,562 |
| Average total loans | $16,272,800 | 6,585 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0441% | 5,379 |
| Cost of funding earning assets | 0.8064% | 2,890 |
| Net interest margin | 3.2377% | 5,594 |
| Noninterest income to average assets | 0.2107% | 6,033 |
| Noninterest expense to average assets | 2.0799% | 6,211 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1473% | 1,918 |
| Return on assets (ROA) | 1.2461% | 1,755 |
| Pretax return on assets | 1.2667% | 2,721 |
| Return on Equity (ROE) | 9.3853% | 2,643 |
| Retained earnings to average equity (ytd only) | 8.0050% | 1,615 |
| Net charge-offs to loans | 0.0661% | 4,761 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 63.6036% | 626 |
| Efficiency ratio | 64.0790% | 4,794 |
| Assets per employee ($millions) | 5.9030% | 1,305 |
| Cash dividends to net income (ytd only)* | 14.7052% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 6,258 |
| Loan loss allowance to noncurrent loans | 240.9091% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 6,445 |
| Noncurrent loans to loans | 0.3930% | 5,674 |
| Net loans and leases to total assets | 28.1823% | 6,873 |
| Net loans and leases to deposits | 32.7926% | 6,894 |
| Net loans and leases to core deposits | 37.2487% | 6,828 |
| Total domestic deposits to total assets | 85.9410% | 3,289 |
| Equity capital to assets | 13.5660% | 1,322 |
| Core capital (leverage) ratio | 13.0289% | 1,184 |
| Tier 1 risk-based capital ratio | 31.9611% | 448 |
| Total risk-based capital ratio | 32.6277% | 461 |
| Memoranda: | ||
| Average total assets | $58,206,500 | 6,034 |
| Average earning assets | $54,563,500 | 5,976 |
| Average equity | $7,728,250 | 5,632 |
| Average total loans | $16,148,250 | 6,676 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0311% | 5,550 |
| Cost of funding earning assets | 0.8208% | 3,022 |
| Net interest margin | 3.2103% | 5,705 |
| Noninterest income to average assets | 0.2071% | 6,078 |
| Noninterest expense to average assets | 2.0679% | 6,297 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1246% | 1,961 |
| Return on assets (ROA) | 1.2394% | 1,770 |
| Pretax return on assets | 1.2981% | 2,562 |
| Return on Equity (ROE) | 9.4041% | 2,611 |
| Retained earnings to average equity (ytd only) | 7.3084% | 1,948 |
| Net charge-offs to loans | 0.1255% | 3,926 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 34.1000% | 986 |
| Efficiency ratio | 63.7234% | 4,941 |
| Assets per employee ($millions) | 5.8211% | 1,356 |
| Cash dividends to net income (ytd only)* | 22.2841% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 6,325 |
| Loan loss allowance to noncurrent loans | 249.2063% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 6,524 |
| Noncurrent loans to loans | 0.3813% | 5,775 |
| Net loans and leases to total assets | 28.1115% | 6,928 |
| Net loans and leases to deposits | 32.5976% | 6,949 |
| Net loans and leases to core deposits | 36.8816% | 6,894 |
| Total domestic deposits to total assets | 86.2380% | 3,228 |
| Equity capital to assets | 13.3600% | 1,362 |
| Core capital (leverage) ratio | 12.7915% | 1,221 |
| Tier 1 risk-based capital ratio | 31.3139% | 464 |
| Total risk-based capital ratio | 31.9749% | 480 |
| Memoranda: | ||
| Average total assets | $57,932,000 | 6,082 |
| Average earning assets | $54,824,330 | 6,005 |
| Average equity | $7,635,000 | 5,679 |
| Average total loans | $15,932,670 | 6,737 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0641% | 5,565 |
| Cost of funding earning assets | 0.8537% | 3,032 |
| Net interest margin | 3.2104% | 5,757 |
| Noninterest income to average assets | 0.2353% | 5,946 |
| Noninterest expense to average assets | 1.9103% | 6,628 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1994% | 1,735 |
| Return on assets (ROA) | 1.3981% | 1,374 |
| Pretax return on assets | 1.5988% | 1,584 |
| Return on Equity (ROE) | 10.6822% | 2,151 |
| Retained earnings to average equity (ytd only) | 10.6822% | 1,117 |
| Net charge-offs to loans | 0.2302% | 2,776 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,140 |
| Efficiency ratio | 58.2278% | 5,882 |
| Assets per employee ($millions) | 5.8135% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 6,212 |
| Loan loss allowance to noncurrent loans | 181.6092% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.1497% | 6,507 |
| Noncurrent loans to loans | 0.5550% | 5,554 |
| Net loans and leases to total assets | 26.6930% | 7,013 |
| Net loans and leases to deposits | 30.8515% | 7,032 |
| Net loans and leases to core deposits | 34.8766% | 6,970 |
| Total domestic deposits to total assets | 86.5210% | 3,231 |
| Equity capital to assets | 13.1453% | 1,380 |
| Core capital (leverage) ratio | 12.6591% | 1,265 |
| Tier 1 risk-based capital ratio | 31.2957% | 473 |
| Total risk-based capital ratio | 31.9674% | 485 |
| Memoranda: | ||
| Average total assets | $57,792,500 | 6,121 |
| Average earning assets | $54,821,000 | 6,043 |
| Average equity | $7,564,000 | 5,719 |
| Average total loans | $15,638,500 | 6,811 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2594% | 5,889 |
| Cost of funding earning assets | 0.9695% | 3,582 |
| Net interest margin | 3.2899% | 5,836 |
| Noninterest income to average assets | 0.2122% | 5,999 |
| Noninterest expense to average assets | 2.1659% | 6,339 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1991% | 1,514 |
| Return on assets (ROA) | 1.2136% | 1,583 |
| Pretax return on assets | 1.2063% | 2,440 |
| Return on Equity (ROE) | 9.4902% | 2,252 |
| Retained earnings to average equity (ytd only) | 6.6530% | 1,665 |
| Net charge-offs to loans | -0.2769% | 7,235 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5057% | 5,040 |
| Assets per employee ($millions) | 4.7875% | 2,465 |
| Cash dividends to net income (ytd only)* | 29.8954% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0704% | 5,925 |
| Loan loss allowance to noncurrent loans | 283.0508% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.1027% | 6,701 |
| Noncurrent loans to loans | 0.3782% | 5,959 |
| Net loans and leases to total assets | 26.8651% | 7,095 |
| Net loans and leases to deposits | 30.9783% | 7,114 |
| Net loans and leases to core deposits | 34.9004% | 7,060 |
| Total domestic deposits to total assets | 86.7224% | 2,907 |
| Equity capital to assets | 13.0305% | 1,468 |
| Core capital (leverage) ratio | 12.2747% | 1,454 |
| Tier 1 risk-based capital ratio | 30.3631% | 502 |
| Total risk-based capital ratio | 31.0713% | 514 |
| Memoranda: | ||
| Average total assets | $55,126,200 | 6,197 |
| Average earning assets | $52,707,200 | 6,092 |
| Average equity | $7,049,400 | 5,851 |
| Average total loans | $15,166,200 | 6,896 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2675% | 6,036 |
| Cost of funding earning assets | 0.9960% | 3,704 |
| Net interest margin | 3.2715% | 5,948 |
| Noninterest income to average assets | 0.2200% | 6,042 |
| Noninterest expense to average assets | 2.0900% | 6,515 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2493% | 1,519 |
| Return on assets (ROA) | 1.2686% | 1,566 |
| Pretax return on assets | 1.2809% | 2,359 |
| Return on Equity (ROE) | 9.9705% | 2,213 |
| Retained earnings to average equity (ytd only) | 8.4337% | 1,344 |
| Net charge-offs to loans | -0.5136% | 7,345 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3632% | 5,357 |
| Assets per employee ($millions) | 4.7917% | 2,482 |
| Cash dividends to net income (ytd only)* | 15.4137% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 5,530 |
| Loan loss allowance to noncurrent loans | 190.6250% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 6,635 |
| Noncurrent loans to loans | 0.6214% | 5,646 |
| Net loans and leases to total assets | 26.5478% | 7,181 |
| Net loans and leases to deposits | 30.6428% | 7,208 |
| Net loans and leases to core deposits | 35.1331% | 7,142 |
| Total domestic deposits to total assets | 86.6365% | 2,865 |
| Equity capital to assets | 12.9409% | 1,644 |
| Core capital (leverage) ratio | 12.7213% | 1,334 |
| Tier 1 risk-based capital ratio | 30.3762% | 517 |
| Total risk-based capital ratio | 31.1560% | 531 |
| Memoranda: | ||
| Average total assets | $54,545,250 | 6,260 |
| Average earning assets | $52,207,750 | 6,163 |
| Average equity | $6,940,250 | 5,919 |
| Average total loans | $15,057,500 | 6,970 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2807% | 6,076 |
| Cost of funding earning assets | 1.0136% | 3,862 |
| Net interest margin | 3.2671% | 5,946 |
| Noninterest income to average assets | 0.2539% | 5,832 |
| Noninterest expense to average assets | 2.1583% | 6,486 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1445% | 1,741 |
| Return on assets (ROA) | 1.1688% | 1,746 |
| Pretax return on assets | 1.2509% | 2,304 |
| Return on Equity (ROE) | 9.2421% | 2,418 |
| Retained earnings to average equity (ytd only) | 6.8799% | 1,928 |
| Net charge-offs to loans | 0.1206% | 4,508 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 36.4444% | 799 |
| Efficiency ratio | 63.7969% | 5,281 |
| Assets per employee ($millions) | 4.5720% | 2,732 |
| Cash dividends to net income (ytd only)* | 25.5591% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7601% | 6,941 |
| Loan loss allowance to noncurrent loans | 210.9091% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.1002% | 6,844 |
| Noncurrent loans to loans | 0.3604% | 6,189 |
| Net loans and leases to total assets | 27.6064% | 7,252 |
| Net loans and leases to deposits | 31.7626% | 7,275 |
| Net loans and leases to core deposits | 35.9694% | 7,220 |
| Total domestic deposits to total assets | 86.9149% | 2,789 |
| Equity capital to assets | 12.8408% | 1,602 |
| Core capital (leverage) ratio | 12.7144% | 1,287 |
| Tier 1 risk-based capital ratio | 29.9235% | 538 |
| Total risk-based capital ratio | 30.4248% | 572 |
| Memoranda: | ||
| Average total assets | $53,560,330 | 6,347 |
| Average earning assets | $51,300,000 | 6,242 |
| Average equity | $6,773,330 | 5,997 |
| Average total loans | $14,927,330 | 7,042 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2394% | 6,175 |
| Cost of funding earning assets | 1.0206% | 4,060 |
| Net interest margin | 3.2188% | 6,016 |
| Noninterest income to average assets | 0.2570% | 5,837 |
| Noninterest expense to average assets | 2.2378% | 6,333 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0199% | 2,108 |
| Return on assets (ROA) | 1.0131% | 2,194 |
| Pretax return on assets | 1.1114% | 2,721 |
| Return on Equity (ROE) | 8.0753% | 2,876 |
| Retained earnings to average equity (ytd only) | 8.0753% | 1,706 |
| Net charge-offs to loans | 0.2710% | 2,986 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 14.8000% | 1,351 |
| Efficiency ratio | 66.6667% | 4,911 |
| Assets per employee ($millions) | 4.4773% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7841% | 6,954 |
| Loan loss allowance to noncurrent loans | 221.1538% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 6,923 |
| Noncurrent loans to loans | 0.3545% | 6,281 |
| Net loans and leases to total assets | 27.0851% | 7,318 |
| Net loans and leases to deposits | 31.0608% | 7,342 |
| Net loans and leases to core deposits | 33.8773% | 7,310 |
| Total domestic deposits to total assets | 87.2001% | 2,833 |
| Equity capital to assets | 12.6771% | 1,532 |
| Core capital (leverage) ratio | 12.8220% | 1,189 |
| Tier 1 risk-based capital ratio | 30.5474% | 495 |
| Total risk-based capital ratio | 31.0656% | 519 |
| Memoranda: | ||
| Average total assets | $52,908,500 | 6,417 |
| Average earning assets | $50,951,000 | 6,306 |
| Average equity | $6,637,500 | 6,049 |
| Average total loans | $14,760,000 | 7,105 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6898% | 5,835 |
| Cost of funding earning assets | 1.2717% | 4,074 |
| Net interest margin | 3.4181% | 5,561 |
| Noninterest income to average assets | 0.2551% | 5,975 |
| Noninterest expense to average assets | 2.3860% | 6,121 |
| Loan and lease loss provision to assets | 0.0698% | 6,446 |
| Net operating income to assets | 1.0887% | 1,731 |
| Return on assets (ROA) | 1.1202% | 1,723 |
| Pretax return on assets | 1.1262% | 2,480 |
| Return on Equity (ROE) | 8.6520% | 2,444 |
| Retained earnings to average equity (ytd only) | 5.8809% | 1,895 |
| Net charge-offs to loans | -0.0728% | 7,478 |
| Credit loss provision to net charge-offs | -318.1818% | 7,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2094% | 4,722 |
| Assets per employee ($millions) | 4.3408% | 3,129 |
| Cash dividends to net income (ytd only)* | 32.0285% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8416% | 6,876 |
| Loan loss allowance to noncurrent loans | 63.7755% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 6,330 |
| Noncurrent loans to loans | 1.3196% | 4,514 |
| Net loans and leases to total assets | 28.2741% | 7,395 |
| Net loans and leases to deposits | 32.3067% | 7,425 |
| Net loans and leases to core deposits | 34.8328% | 7,406 |
| Total domestic deposits to total assets | 87.5178% | 2,537 |
| Equity capital to assets | 12.4093% | 1,691 |
| Core capital (leverage) ratio | 12.5034% | 1,316 |
| Tier 1 risk-based capital ratio | 29.6433% | 523 |
| Total risk-based capital ratio | 30.2113% | 537 |
| Memoranda: | ||
| Average total assets | $50,168,400 | 6,528 |
| Average earning assets | $48,360,400 | 6,421 |
| Average equity | $6,495,600 | 6,203 |
| Average total loans | $15,111,200 | 7,159 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7702% | 5,785 |
| Cost of funding earning assets | 1.3260% | 4,068 |
| Net interest margin | 3.4442% | 5,516 |
| Noninterest income to average assets | 0.2683% | 5,974 |
| Noninterest expense to average assets | 2.2674% | 6,417 |
| Loan and lease loss provision to assets | 0.0939% | 6,085 |
| Net operating income to assets | 1.1999% | 1,595 |
| Return on assets (ROA) | 1.2129% | 1,639 |
| Pretax return on assets | 1.2451% | 2,353 |
| Return on Equity (ROE) | 9.2665% | 2,398 |
| Retained earnings to average equity (ytd only) | 7.6265% | 1,546 |
| Net charge-offs to loans | -0.0791% | 7,519 |
| Credit loss provision to net charge-offs | -388.8889% | 6,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1068% | 5,415 |
| Assets per employee ($millions) | 4.2968% | 3,268 |
| Cash dividends to net income (ytd only)* | 17.6985% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8226% | 6,953 |
| Loan loss allowance to noncurrent loans | 56.9444% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 0.4189% | 6,373 |
| Noncurrent loans to loans | 1.4446% | 4,450 |
| Net loans and leases to total assets | 28.7601% | 7,494 |
| Net loans and leases to deposits | 33.3273% | 7,527 |
| Net loans and leases to core deposits | 35.5194% | 7,509 |
| Total domestic deposits to total assets | 86.2958% | 2,920 |
| Equity capital to assets | 13.3376% | 1,430 |
| Core capital (leverage) ratio | 13.0935% | 1,192 |
| Tier 1 risk-based capital ratio | 30.8040% | 483 |
| Total risk-based capital ratio | 31.3710% | 493 |
| Memoranda: | ||
| Average total assets | $49,688,000 | 6,633 |
| Average earning assets | $47,963,500 | 6,509 |
| Average equity | $6,503,500 | 6,275 |
| Average total loans | $15,175,750 | 7,248 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8329% | 5,675 |
| Cost of funding earning assets | 1.3561% | 4,156 |
| Net interest margin | 3.4768% | 5,334 |
| Noninterest income to average assets | 0.2813% | 5,895 |
| Noninterest expense to average assets | 2.3194% | 6,304 |
| Loan and lease loss provision to assets | 0.1427% | 5,470 |
| Net operating income to assets | 1.1459% | 1,706 |
| Return on assets (ROA) | 1.1699% | 1,706 |
| Pretax return on assets | 1.1984% | 2,424 |
| Return on Equity (ROE) | 8.9983% | 2,469 |
| Retained earnings to average equity (ytd only) | 6.4900% | 2,078 |
| Net charge-offs to loans | -0.1049% | 7,559 |
| Credit loss provision to net charge-offs | -437.5000% | 6,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7892% | 5,372 |
| Assets per employee ($millions) | 4.2103% | 3,365 |
| Cash dividends to net income (ytd only)* | 27.8746% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7844% | 7,065 |
| Loan loss allowance to noncurrent loans | 60.3960% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 0.3998% | 6,441 |
| Noncurrent loans to loans | 1.2988% | 4,784 |
| Net loans and leases to total assets | 30.5419% | 7,519 |
| Net loans and leases to deposits | 35.1535% | 7,551 |
| Net loans and leases to core deposits | 37.4521% | 7,542 |
| Total domestic deposits to total assets | 86.8815% | 2,597 |
| Equity capital to assets | 12.8949% | 1,610 |
| Core capital (leverage) ratio | 12.8250% | 1,269 |
| Tier 1 risk-based capital ratio | 29.3588% | 548 |
| Total risk-based capital ratio | 29.9132% | 576 |
| Memoranda: | ||
| Average total assets | $49,063,670 | 6,692 |
| Average earning assets | $47,342,330 | 6,579 |
| Average equity | $6,379,000 | 6,345 |
| Average total loans | $15,250,330 | 7,302 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9007% | 5,458 |
| Cost of funding earning assets | 1.3708% | 4,352 |
| Net interest margin | 3.5299% | 5,041 |
| Noninterest income to average assets | 0.2731% | 5,973 |
| Noninterest expense to average assets | 2.2179% | 6,638 |
| Loan and lease loss provision to assets | 0.2897% | 3,705 |
| Net operating income to assets | 1.1119% | 1,793 |
| Return on assets (ROA) | 1.1669% | 1,702 |
| Pretax return on assets | 1.2331% | 2,255 |
| Return on Equity (ROE) | 8.9368% | 2,517 |
| Retained earnings to average equity (ytd only) | 8.9368% | 1,416 |
| Net charge-offs to loans | -0.1854% | 7,654 |
| Credit loss provision to net charge-offs | -500.0000% | 6,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2247% | 6,125 |
| Assets per employee ($millions) | 4.4234% | 3,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7939% | 7,144 |
| Loan loss allowance to noncurrent loans | 65.7609% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 0.3782% | 6,527 |
| Noncurrent loans to loans | 1.2072% | 4,948 |
| Net loans and leases to total assets | 31.0767% | 7,594 |
| Net loans and leases to deposits | 35.8555% | 7,627 |
| Net loans and leases to core deposits | 38.0441% | 7,620 |
| Total domestic deposits to total assets | 86.6720% | 2,803 |
| Equity capital to assets | 13.1697% | 1,460 |
| Core capital (leverage) ratio | 13.1333% | 1,174 |
| Tier 1 risk-based capital ratio | 29.4673% | 553 |
| Total risk-based capital ratio | 30.0268% | 577 |
| Memoranda: | ||
| Average total assets | $48,333,500 | 6,788 |
| Average earning assets | $46,687,500 | 6,675 |
| Average equity | $6,311,000 | 6,411 |
| Average total loans | $15,099,000 | 7,397 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1753% | 5,760 |
| Cost of funding earning assets | 1.7659% | 4,171 |
| Net interest margin | 3.4094% | 5,331 |
| Noninterest income to average assets | 0.3258% | 5,750 |
| Noninterest expense to average assets | 2.6350% | 5,651 |
| Loan and lease loss provision to assets | 0.0443% | 7,114 |
| Net operating income to assets | 0.9441% | 2,028 |
| Return on assets (ROA) | 0.9286% | 2,141 |
| Pretax return on assets | 0.9042% | 2,911 |
| Return on Equity (ROE) | 6.9458% | 2,807 |
| Retained earnings to average equity (ytd only) | 4.2935% | 2,219 |
| Net charge-offs to loans | 0.3712% | 4,358 |
| Credit loss provision to net charge-offs | 38.4615% | 6,840 |
| Earnings coverage of net charge-offs (x) | 8.3654% | 1,955 |
| Efficiency ratio | 73.2143% | 4,051 |
| Assets per employee ($millions) | 4.0008% | 3,816 |
| Cash dividends to net income (ytd only)* | 38.1862% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5282% | 7,646 |
| Loan loss allowance to noncurrent loans | 36.7442% | 5,985 |
| Noncurrent assets plus other real estate owned to assets | 0.4478% | 6,335 |
| Noncurrent loans to loans | 1.4376% | 4,516 |
| Net loans and leases to total assets | 30.9873% | 7,691 |
| Net loans and leases to deposits | 35.6344% | 7,732 |
| Net loans and leases to core deposits | 50.7574% | 7,568 |
| Total domestic deposits to total assets | 86.9590% | 2,537 |
| Equity capital to assets | 12.9431% | 1,529 |
| Core capital (leverage) ratio | 12.9853% | 1,259 |
| Tier 1 risk-based capital ratio | 29.0304% | 575 |
| Total risk-based capital ratio | 29.4052% | 610 |
| Memoranda: | ||
| Average total assets | $45,122,600 | 6,908 |
| Average earning assets | $43,321,400 | 6,798 |
| Average equity | $6,032,400 | 6,593 |
| Average total loans | $14,008,000 | 7,496 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2664% | 5,586 |
| Cost of funding earning assets | 1.8453% | 4,177 |
| Net interest margin | 3.4211% | 5,178 |
| Noninterest income to average assets | 0.3213% | 5,908 |
| Noninterest expense to average assets | 2.5344% | 5,956 |
| Loan and lease loss provision to assets | 0.0300% | 7,050 |
| Net operating income to assets | 1.0390% | 1,940 |
| Return on assets (ROA) | 1.0270% | 2,035 |
| Pretax return on assets | 1.0240% | 2,825 |
| Return on Equity (ROE) | 7.6163% | 2,810 |
| Retained earnings to average equity (ytd only) | 5.8346% | 2,024 |
| Net charge-offs to loans | 0.2420% | 4,541 |
| Credit loss provision to net charge-offs | 40.0000% | 6,423 |
| Earnings coverage of net charge-offs (x) | 14.2010% | 1,618 |
| Efficiency ratio | 70.3920% | 4,512 |
| Assets per employee ($millions) | 3.8383% | 4,107 |
| Cash dividends to net income (ytd only)* | 23.3909% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6685% | 7,447 |
| Loan loss allowance to noncurrent loans | 59.6273% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 0.3496% | 6,608 |
| Noncurrent loans to loans | 1.1211% | 5,072 |
| Net loans and leases to total assets | 30.9711% | 7,784 |
| Net loans and leases to deposits | 35.9447% | 7,824 |
| Net loans and leases to core deposits | 49.6623% | 7,693 |
| Total domestic deposits to total assets | 86.1634% | 2,609 |
| Equity capital to assets | 13.5261% | 1,488 |
| Core capital (leverage) ratio | 13.8059% | 1,142 |
| Tier 1 risk-based capital ratio | 31.2708% | 505 |
| Total risk-based capital ratio | 31.7475% | 528 |
| Memoranda: | ||
| Average total assets | $44,400,750 | 6,986 |
| Average earning assets | $42,558,000 | 6,890 |
| Average equity | $5,987,000 | 6,667 |
| Average total loans | $13,771,000 | 7,579 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3238% | 5,534 |
| Cost of funding earning assets | 1.8605% | 4,465 |
| Net interest margin | 3.4633% | 4,953 |
| Noninterest income to average assets | 0.3147% | 5,992 |
| Noninterest expense to average assets | 2.5816% | 5,812 |
| Loan and lease loss provision to assets | 0.0456% | 6,774 |
| Net operating income to assets | 1.0035% | 2,093 |
| Return on assets (ROA) | 0.9852% | 2,261 |
| Pretax return on assets | 0.9807% | 3,082 |
| Return on Equity (ROE) | 7.3146% | 3,055 |
| Retained earnings to average equity (ytd only) | 4.6055% | 2,729 |
| Net charge-offs to loans | 0.3683% | 3,344 |
| Credit loss provision to net charge-offs | 40.0000% | 5,902 |
| Earnings coverage of net charge-offs (x) | 9.1600% | 2,164 |
| Efficiency ratio | 71.1950% | 4,559 |
| Assets per employee ($millions) | 3.7383% | 4,234 |
| Cash dividends to net income (ytd only)* | 37.0370% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7067% | 7,407 |
| Loan loss allowance to noncurrent loans | 115.6627% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 7,069 |
| Noncurrent loans to loans | 0.6110% | 6,038 |
| Net loans and leases to total assets | 30.0691% | 7,885 |
| Net loans and leases to deposits | 34.7440% | 7,923 |
| Net loans and leases to core deposits | 46.9150% | 7,820 |
| Total domestic deposits to total assets | 86.5448% | 2,487 |
| Equity capital to assets | 13.1364% | 1,644 |
| Core capital (leverage) ratio | 13.5484% | 1,256 |
| Tier 1 risk-based capital ratio | 30.5124% | 574 |
| Total risk-based capital ratio | 31.0018% | 603 |
| Memoranda: | ||
| Average total assets | $43,848,000 | 7,059 |
| Average earning assets | $41,925,000 | 6,971 |
| Average equity | $5,906,000 | 6,756 |
| Average total loans | $13,574,330 | 7,677 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3242% | 5,793 |
| Cost of funding earning assets | 1.8836% | 4,721 |
| Net interest margin | 3.4405% | 4,971 |
| Noninterest income to average assets | 0.3415% | 5,724 |
| Noninterest expense to average assets | 2.5195% | 5,764 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1905% | 1,682 |
| Return on assets (ROA) | 1.1075% | 2,066 |
| Pretax return on assets | 1.0429% | 3,191 |
| Return on Equity (ROE) | 8.1184% | 3,089 |
| Retained earnings to average equity (ytd only) | 8.1184% | 1,765 |
| Net charge-offs to loans | 0.0295% | 5,111 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 122.0000% | 358 |
| Efficiency ratio | 69.1139% | 4,754 |
| Assets per employee ($millions) | 3.6341% | 4,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8257% | 7,064 |
| Loan loss allowance to noncurrent loans | 239.1304% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 7,272 |
| Noncurrent loans to loans | 0.3453% | 6,566 |
| Net loans and leases to total assets | 30.2965% | 7,911 |
| Net loans and leases to deposits | 35.1234% | 7,957 |
| Net loans and leases to core deposits | 46.4818% | 7,858 |
| Total domestic deposits to total assets | 86.2574% | 2,582 |
| Equity capital to assets | 13.5522% | 1,517 |
| Core capital (leverage) ratio | 13.7437% | 1,252 |
| Tier 1 risk-based capital ratio | 31.2255% | 570 |
| Total risk-based capital ratio | 31.7999% | 584 |
| Memoranda: | ||
| Average total assets | $43,342,000 | 7,120 |
| Average earning assets | $41,621,500 | 7,033 |
| Average equity | $5,912,500 | 6,807 |
| Average total loans | $13,569,000 | 7,722 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8347% | 6,315 |
| Cost of funding earning assets | 2.4286% | 4,582 |
| Net interest margin | 3.4062% | 5,636 |
| Noninterest income to average assets | 0.3938% | 5,524 |
| Noninterest expense to average assets | 2.6451% | 5,468 |
| Loan and lease loss provision to assets | 0.0604% | 6,652 |
| Net operating income to assets | 0.8841% | 3,070 |
| Return on assets (ROA) | 0.8793% | 2,945 |
| Pretax return on assets | 0.8817% | 3,790 |
| Return on Equity (ROE) | 6.2517% | 3,843 |
| Retained earnings to average equity (ytd only) | 3.5037% | 2,959 |
| Net charge-offs to loans | 0.1074% | 5,214 |
| Credit loss provision to net charge-offs | 166.6667% | 3,080 |
| Earnings coverage of net charge-offs (x) | 26.1333% | 1,302 |
| Efficiency ratio | 73.6382% | 3,636 |
| Assets per employee ($millions) | 3.5896% | 4,439 |
| Cash dividends to net income (ytd only)* | 43.9560% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8034% | 7,095 |
| Loan loss allowance to noncurrent loans | 317.1429% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.0813% | 7,242 |
| Noncurrent loans to loans | 0.2533% | 6,624 |
| Net loans and leases to total assets | 31.8166% | 7,951 |
| Net loans and leases to deposits | 36.9527% | 7,998 |
| Net loans and leases to core deposits | 48.2587% | 7,922 |
| Total domestic deposits to total assets | 86.1010% | 2,355 |
| Equity capital to assets | 13.7319% | 1,530 |
| Core capital (leverage) ratio | 13.6678% | 1,341 |
| Tier 1 risk-based capital ratio | 30.8601% | 600 |
| Total risk-based capital ratio | 31.4376% | 612 |
| Memoranda: | ||
| Average total assets | $41,396,600 | 7,152 |
| Average earning assets | $38,870,800 | 7,093 |
| Average equity | $5,822,400 | 6,869 |
| Average total loans | $13,962,200 | 7,705 |