Home > Columbus Bank and Trust Company > Performance and Condition Ratios
Columbus Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3967% | 1,319 |
| Cost of funding earning assets | 1.6392% | 1,595 |
| Net interest margin | 3.7575% | 1,633 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 2.3034% | 2,846 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.2944% | 1,445 |
| Return on assets (ROA) | 1.2944% | 1,415 |
| Pretax return on assets | 1.2944% | 1,881 |
| Return on Equity (ROE) | 13.5300% | 1,594 |
| Retained earnings to average equity (ytd only) | 10.4691% | 914 |
| Net charge-offs to loans | 0.0057% | 2,494 |
| Credit loss provision to net charge-offs | 2,000.0000% | 222 |
| Earnings coverage of net charge-offs (x) | 314.8889% | 417 |
| Efficiency ratio | 62.4983% | 2,779 |
| Assets per employee ($millions) | 8.5452% | 1,163 |
| Cash dividends to net income (ytd only)* | 22.6074% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 2,517 |
| Loan loss allowance to noncurrent loans | 3,506.8966% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 1,845 |
| Noncurrent loans to loans | 0.0330% | 3,499 |
| Net loans and leases to total assets | 78.2500% | 844 |
| Net loans and leases to deposits | 103.8650% | 368 |
| Net loans and leases to core deposits | 112.8046% | 854 |
| Total domestic deposits to total assets | 75.3300% | 3,999 |
| Equity capital to assets | 9.5839% | 2,283 |
| Core capital (leverage) ratio | 9.5251% | 3,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $205,042,400 | 2,953 |
| Average earning assets | $192,599,200 | 2,927 |
| Average equity | $19,619,600 | 2,891 |
| Average total loans | $159,266,000 | 2,605 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2239% | 1,411 |
| Cost of funding earning assets | 1.4606% | 1,703 |
| Net interest margin | 3.7633% | 1,665 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.2959% | 2,804 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.2957% | 1,561 |
| Return on assets (ROA) | 1.2957% | 1,543 |
| Pretax return on assets | 1.2957% | 2,057 |
| Return on Equity (ROE) | 13.5500% | 1,780 |
| Retained earnings to average equity (ytd only) | 9.3811% | 1,580 |
| Net charge-offs to loans | -0.0026% | 3,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.8647% | 2,737 |
| Assets per employee ($millions) | 7.8329% | 1,438 |
| Cash dividends to net income (ytd only)* | 30.7535% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 2,132 |
| Loan loss allowance to noncurrent loans | 2,525.9259% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.3007% | 1,806 |
| Noncurrent loans to loans | 0.0493% | 3,403 |
| Net loans and leases to total assets | 76.7000% | 1,032 |
| Net loans and leases to deposits | 95.6006% | 779 |
| Net loans and leases to core deposits | 104.1274% | 1,115 |
| Total domestic deposits to total assets | 80.2300% | 3,493 |
| Equity capital to assets | 9.3112% | 2,217 |
| Core capital (leverage) ratio | 9.9054% | 2,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $200,759,250 | 2,988 |
| Average earning assets | $189,050,500 | 2,955 |
| Average equity | $19,201,250 | 2,919 |
| Average total loans | $155,113,500 | 2,639 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1117% | 1,348 |
| Cost of funding earning assets | 1.2879% | 1,741 |
| Net interest margin | 3.8238% | 1,573 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 2.3187% | 2,747 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 1.2557% | 1,681 |
| Return on assets (ROA) | 1.2557% | 1,672 |
| Pretax return on assets | 1.2557% | 2,205 |
| Return on Equity (ROE) | 13.0100% | 1,899 |
| Retained earnings to average equity (ytd only) | 10.9047% | 1,202 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.7171% | 2,747 |
| Assets per employee ($millions) | 7.5712% | 1,565 |
| Cash dividends to net income (ytd only)* | 16.1551% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 1,786 |
| Loan loss allowance to noncurrent loans | 157.1538% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.9423% | 512 |
| Noncurrent loans to loans | 0.8488% | 897 |
| Net loans and leases to total assets | 76.7600% | 967 |
| Net loans and leases to deposits | 92.6482% | 972 |
| Net loans and leases to core deposits | 99.4243% | 1,266 |
| Total domestic deposits to total assets | 82.8600% | 3,076 |
| Equity capital to assets | 9.9293% | 1,898 |
| Core capital (leverage) ratio | 10.0487% | 2,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $197,183,333 | 3,021 |
| Average earning assets | $185,888,333 | 2,989 |
| Average equity | $19,037,667 | 2,946 |
| Average total loans | $152,063,333 | 2,655 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9513% | 1,325 |
| Cost of funding earning assets | 1.0771% | 1,820 |
| Net interest margin | 3.8742% | 1,528 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 2.3045% | 2,799 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 1.3296% | 1,590 |
| Return on assets (ROA) | 1.3296% | 1,563 |
| Pretax return on assets | 1.3296% | 2,087 |
| Return on Equity (ROE) | 13.9700% | 1,780 |
| Retained earnings to average equity (ytd only) | 9.7107% | 1,764 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.3824% | 2,912 |
| Assets per employee ($millions) | 7.2036% | 1,816 |
| Cash dividends to net income (ytd only)* | 30.4878% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 2,042 |
| Loan loss allowance to noncurrent loans | 150.2308% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.9537% | 448 |
| Noncurrent loans to loans | 0.8647% | 876 |
| Net loans and leases to total assets | 76.2900% | 946 |
| Net loans and leases to deposits | 89.7418% | 1,074 |
| Net loans and leases to core deposits | 96.4899% | 1,252 |
| Total domestic deposits to total assets | 85.0100% | 2,860 |
| Equity capital to assets | 9.8532% | 1,895 |
| Core capital (leverage) ratio | 9.7769% | 2,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $197,349,000 | 3,057 |
| Average earning assets | $186,051,500 | 3,020 |
| Average equity | $18,783,500 | 2,997 |
| Average total loans | $151,517,000 | 2,689 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0493% | 1,591 |
| Cost of funding earning assets | 0.5558% | 1,084 |
| Net interest margin | 3.4935% | 1,951 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 2.2622% | 2,858 |
| Loan and lease loss provision to assets | 0.2900% | 299 |
| Net operating income to assets | 0.8902% | 3,005 |
| Return on assets (ROA) | 0.8902% | 2,942 |
| Pretax return on assets | 0.8902% | 3,390 |
| Return on Equity (ROE) | 9.4500% | 2,982 |
| Retained earnings to average equity (ytd only) | 8.6358% | 1,588 |
| Net charge-offs to loans | 0.3258% | 232 |
| Credit loss provision to net charge-offs | 121.7949% | 1,450 |
| Earnings coverage of net charge-offs (x) | 4.9295% | 2,396 |
| Efficiency ratio | 65.6748% | 2,272 |
| Assets per employee ($millions) | 7.4149% | 1,674 |
| Cash dividends to net income (ytd only)* | 8.6356% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 2,296 |
| Loan loss allowance to noncurrent loans | 143.3077% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.9266% | 473 |
| Noncurrent loans to loans | 0.8514% | 879 |
| Net loans and leases to total assets | 75.3400% | 1,082 |
| Net loans and leases to deposits | 89.0120% | 1,114 |
| Net loans and leases to core deposits | 95.8253% | 1,218 |
| Total domestic deposits to total assets | 84.6400% | 3,073 |
| Equity capital to assets | 9.1922% | 2,231 |
| Core capital (leverage) ratio | 9.4131% | 3,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $195,118,000 | 3,071 |
| Average earning assets | $183,712,200 | 3,045 |
| Average equity | $18,377,000 | 3,092 |
| Average total loans | $143,660,400 | 2,695 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8140% | 1,714 |
| Cost of funding earning assets | 0.4846% | 815 |
| Net interest margin | 3.3294% | 2,203 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 2.2072% | 2,910 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.0627% | 2,240 |
| Return on assets (ROA) | 1.0627% | 2,202 |
| Pretax return on assets | 1.0627% | 2,839 |
| Return on Equity (ROE) | 11.2100% | 2,297 |
| Retained earnings to average equity (ytd only) | 10.1247% | 1,309 |
| Net charge-offs to loans | 0.0047% | 2,012 |
| Credit loss provision to net charge-offs | 600.0000% | 556 |
| Earnings coverage of net charge-offs (x) | 315.0000% | 453 |
| Efficiency ratio | 67.0778% | 2,148 |
| Assets per employee ($millions) | 7.6212% | 1,537 |
| Cash dividends to net income (ytd only)* | 9.7087% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 2,802 |
| Loan loss allowance to noncurrent loans | 137.2022% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.9367% | 487 |
| Noncurrent loans to loans | 0.8369% | 936 |
| Net loans and leases to total assets | 77.5600% | 745 |
| Net loans and leases to deposits | 92.2758% | 752 |
| Net loans and leases to core deposits | 99.2938% | 844 |
| Total domestic deposits to total assets | 84.0500% | 3,495 |
| Equity capital to assets | 9.0310% | 2,193 |
| Core capital (leverage) ratio | 9.5340% | 3,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $193,847,000 | 3,102 |
| Average earning assets | $182,409,000 | 3,075 |
| Average equity | $18,370,500 | 3,127 |
| Average total loans | $141,402,250 | 2,721 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5362% | 2,023 |
| Cost of funding earning assets | 0.4194% | 808 |
| Net interest margin | 3.1168% | 2,480 |
| Noninterest income to average assets | 0.1507% | 4,259 |
| Noninterest expense to average assets | 2.2026% | 2,848 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8835% | 2,655 |
| Return on assets (ROA) | 0.8835% | 2,629 |
| Pretax return on assets | 0.8835% | 3,110 |
| Return on Equity (ROE) | 9.1748% | 2,636 |
| Retained earnings to average equity (ytd only) | 9.1748% | 1,235 |
| Net charge-offs to loans | 0.0073% | 1,729 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 170.0000% | 591 |
| Efficiency ratio | 71.3708% | 1,788 |
| Assets per employee ($millions) | 7.7310% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1903% | 2,739 |
| Loan loss allowance to noncurrent loans | 75.6140% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 1.4880% | 240 |
| Noncurrent loans to loans | 1.5742% | 464 |
| Net loans and leases to total assets | 75.3761% | 788 |
| Net loans and leases to deposits | 88.3812% | 808 |
| Net loans and leases to core deposits | 95.1704% | 861 |
| Total domestic deposits to total assets | 85.2853% | 3,417 |
| Equity capital to assets | 9.3954% | 2,102 |
| Core capital (leverage) ratio | 9.2714% | 3,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,412,667 | 3,144 |
| Average earning assets | $181,212,667 | 3,122 |
| Average equity | $18,529,000 | 3,184 |
| Average total loans | $136,715,667 | 2,780 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3571% | 2,221 |
| Cost of funding earning assets | 0.3886% | 929 |
| Net interest margin | 2.9686% | 2,607 |
| Noninterest income to average assets | 0.1479% | 4,267 |
| Noninterest expense to average assets | 2.1377% | 3,015 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7959% | 2,670 |
| Return on assets (ROA) | 0.7959% | 2,663 |
| Pretax return on assets | 0.7959% | 3,118 |
| Return on Equity (ROE) | 8.1650% | 2,617 |
| Retained earnings to average equity (ytd only) | 8.1650% | 1,528 |
| Net charge-offs to loans | -0.0213% | 3,946 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8693% | 1,872 |
| Assets per employee ($millions) | 7.8076% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3472% | 2,126 |
| Loan loss allowance to noncurrent loans | 135.8186% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.9509% | 546 |
| Noncurrent loans to loans | 0.9919% | 915 |
| Net loans and leases to total assets | 66.2915% | 1,382 |
| Net loans and leases to deposits | 77.6043% | 1,319 |
| Net loans and leases to core deposits | 81.5456% | 1,375 |
| Total domestic deposits to total assets | 85.4225% | 3,427 |
| Equity capital to assets | 9.3821% | 2,380 |
| Core capital (leverage) ratio | 9.1788% | 3,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,981,000 | 3,156 |
| Average earning assets | $180,153,000 | 3,138 |
| Average equity | $18,714,000 | 3,260 |
| Average total loans | $131,354,000 | 2,832 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1829% | 1,019 |
| Cost of funding earning assets | 0.5105% | 884 |
| Net interest margin | 3.6724% | 1,279 |
| Noninterest income to average assets | 0.2770% | 3,731 |
| Noninterest expense to average assets | 2.2605% | 2,914 |
| Loan and lease loss provision to assets | 0.2019% | 529 |
| Net operating income to assets | 1.2595% | 1,717 |
| Return on assets (ROA) | 1.2584% | 1,773 |
| Pretax return on assets | 1.2584% | 2,490 |
| Return on Equity (ROE) | 12.5927% | 1,610 |
| Retained earnings to average equity (ytd only) | 8.8048% | 1,253 |
| Net charge-offs to loans | -0.0355% | 4,187 |
| Credit loss provision to net charge-offs | -800.0000% | 3,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7353% | 3,038 |
| Assets per employee ($millions) | 7.8655% | 1,408 |
| Cash dividends to net income (ytd only)* | 30.0802% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 2,190 |
| Loan loss allowance to noncurrent loans | 122.1374% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 1.0574% | 505 |
| Noncurrent loans to loans | 1.0954% | 884 |
| Net loans and leases to total assets | 68.7531% | 1,180 |
| Net loans and leases to deposits | 82.1899% | 1,051 |
| Net loans and leases to core deposits | 86.4324% | 1,172 |
| Total domestic deposits to total assets | 83.6516% | 3,647 |
| Equity capital to assets | 10.1260% | 2,537 |
| Core capital (leverage) ratio | 9.1366% | 3,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,326,600 | 3,221 |
| Average earning assets | $167,277,000 | 3,215 |
| Average equity | $17,819,800 | 3,403 |
| Average total loans | $126,840,600 | 2,891 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4969% | 682 |
| Cost of funding earning assets | 0.5411% | 869 |
| Net interest margin | 3.9558% | 855 |
| Noninterest income to average assets | 0.3187% | 3,522 |
| Noninterest expense to average assets | 2.2339% | 2,954 |
| Loan and lease loss provision to assets | 0.2049% | 498 |
| Net operating income to assets | 1.5745% | 1,088 |
| Return on assets (ROA) | 1.5730% | 1,140 |
| Pretax return on assets | 1.5730% | 1,783 |
| Return on Equity (ROE) | 15.7975% | 992 |
| Retained earnings to average equity (ytd only) | 10.6536% | 1,133 |
| Net charge-offs to loans | -0.0541% | 4,393 |
| Credit loss provision to net charge-offs | -529.4118% | 3,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6627% | 3,569 |
| Assets per employee ($millions) | 7.2818% | 1,690 |
| Cash dividends to net income (ytd only)* | 32.5615% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3283% | 2,350 |
| Loan loss allowance to noncurrent loans | 128.5276% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 1.0212% | 635 |
| Noncurrent loans to loans | 1.0335% | 1,100 |
| Net loans and leases to total assets | 68.3879% | 1,271 |
| Net loans and leases to deposits | 81.0357% | 1,185 |
| Net loans and leases to core deposits | 85.1191% | 1,343 |
| Total domestic deposits to total assets | 84.3922% | 3,338 |
| Equity capital to assets | 9.9284% | 2,969 |
| Core capital (leverage) ratio | 8.8564% | 3,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,715,500 | 3,279 |
| Average earning assets | $164,107,750 | 3,271 |
| Average equity | $17,496,000 | 3,471 |
| Average total loans | $125,664,250 | 2,941 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9366% | 378 |
| Cost of funding earning assets | 0.5691% | 869 |
| Net interest margin | 4.3674% | 437 |
| Noninterest income to average assets | 0.3859% | 3,183 |
| Noninterest expense to average assets | 2.2776% | 2,833 |
| Loan and lease loss provision to assets | 0.2074% | 532 |
| Net operating income to assets | 1.9942% | 491 |
| Return on assets (ROA) | 1.9942% | 517 |
| Pretax return on assets | 1.9942% | 849 |
| Return on Equity (ROE) | 20.0077% | 459 |
| Retained earnings to average equity (ytd only) | 13.9395% | 555 |
| Net charge-offs to loans | -0.0717% | 4,511 |
| Credit loss provision to net charge-offs | -400.0000% | 3,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8488% | 4,158 |
| Assets per employee ($millions) | 6.8456% | 1,912 |
| Cash dividends to net income (ytd only)* | 30.3293% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 2,825 |
| Loan loss allowance to noncurrent loans | 119.6064% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 1.0540% | 709 |
| Noncurrent loans to loans | 1.0193% | 1,205 |
| Net loans and leases to total assets | 71.9280% | 977 |
| Net loans and leases to deposits | 86.9542% | 851 |
| Net loans and leases to core deposits | 91.5299% | 1,037 |
| Total domestic deposits to total assets | 82.7193% | 3,765 |
| Equity capital to assets | 10.0795% | 2,783 |
| Core capital (leverage) ratio | 8.6295% | 3,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,606,000 | 3,305 |
| Average earning assets | $162,704,667 | 3,288 |
| Average equity | $17,303,333 | 3,486 |
| Average total loans | $125,495,000 | 2,952 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2919% | 234 |
| Cost of funding earning assets | 0.6116% | 838 |
| Net interest margin | 4.6804% | 271 |
| Noninterest income to average assets | 0.2310% | 3,997 |
| Noninterest expense to average assets | 2.2682% | 2,884 |
| Loan and lease loss provision to assets | 0.2100% | 569 |
| Net operating income to assets | 2.1281% | 465 |
| Return on assets (ROA) | 2.1281% | 506 |
| Pretax return on assets | 2.1281% | 767 |
| Return on Equity (ROE) | 21.4778% | 431 |
| Retained earnings to average equity (ytd only) | 9.1139% | 1,914 |
| Net charge-offs to loans | -0.0162% | 3,892 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2401% | 4,249 |
| Assets per employee ($millions) | 6.5838% | 2,110 |
| Cash dividends to net income (ytd only)* | 57.5658% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1593% | 3,153 |
| Loan loss allowance to noncurrent loans | 107.0953% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 1.0733% | 757 |
| Noncurrent loans to loans | 1.0825% | 1,230 |
| Net loans and leases to total assets | 69.4985% | 1,359 |
| Net loans and leases to deposits | 82.4663% | 1,304 |
| Net loans and leases to core deposits | 85.9506% | 1,528 |
| Total domestic deposits to total assets | 84.2750% | 3,348 |
| Equity capital to assets | 9.6134% | 3,086 |
| Core capital (leverage) ratio | 8.6259% | 3,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,416,500 | 3,318 |
| Average earning assets | $160,244,000 | 3,302 |
| Average equity | $16,985,000 | 3,509 |
| Average total loans | $123,442,000 | 2,980 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9253% | 573 |
| Cost of funding earning assets | 0.8219% | 1,124 |
| Net interest margin | 4.1033% | 778 |
| Noninterest income to average assets | 0.2696% | 3,863 |
| Noninterest expense to average assets | 2.4660% | 2,947 |
| Loan and lease loss provision to assets | 0.4247% | 692 |
| Net operating income to assets | 1.2086% | 1,526 |
| Return on assets (ROA) | 1.2079% | 1,638 |
| Pretax return on assets | 1.2079% | 2,301 |
| Return on Equity (ROE) | 11.3507% | 1,510 |
| Retained earnings to average equity (ytd only) | 3.3381% | 3,158 |
| Net charge-offs to loans | 0.4571% | 358 |
| Credit loss provision to net charge-offs | 118.2796% | 2,648 |
| Earnings coverage of net charge-offs (x) | 4.5484% | 2,967 |
| Efficiency ratio | 60.1570% | 3,432 |
| Assets per employee ($millions) | 6.1137% | 2,243 |
| Cash dividends to net income (ytd only)* | 70.5914% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1116% | 3,409 |
| Loan loss allowance to noncurrent loans | 73.3225% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 1.4557% | 515 |
| Noncurrent loans to loans | 1.5161% | 874 |
| Net loans and leases to total assets | 73.0219% | 1,155 |
| Net loans and leases to deposits | 87.8422% | 1,104 |
| Net loans and leases to core deposits | 91.3804% | 1,431 |
| Total domestic deposits to total assets | 83.1285% | 3,373 |
| Equity capital to assets | 10.2265% | 2,910 |
| Core capital (leverage) ratio | 8.6304% | 4,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,390,400 | 3,335 |
| Average earning assets | $145,028,000 | 3,324 |
| Average equity | $16,536,400 | 3,503 |
| Average total loans | $122,066,600 | 2,957 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2114% | 403 |
| Cost of funding earning assets | 0.8594% | 1,216 |
| Net interest margin | 4.3520% | 520 |
| Noninterest income to average assets | 0.2519% | 3,969 |
| Noninterest expense to average assets | 2.4841% | 2,894 |
| Loan and lease loss provision to assets | 0.4968% | 593 |
| Net operating income to assets | 1.3405% | 1,259 |
| Return on assets (ROA) | 1.3397% | 1,355 |
| Pretax return on assets | 1.3397% | 1,908 |
| Return on Equity (ROE) | 12.4575% | 1,256 |
| Retained earnings to average equity (ytd only) | 1.7183% | 4,023 |
| Net charge-offs to loans | 0.6016% | 235 |
| Credit loss provision to net charge-offs | 103.4483% | 2,597 |
| Earnings coverage of net charge-offs (x) | 3.8258% | 2,876 |
| Efficiency ratio | 57.4829% | 3,738 |
| Assets per employee ($millions) | 6.0931% | 2,185 |
| Cash dividends to net income (ytd only)* | 86.2069% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 3,815 |
| Loan loss allowance to noncurrent loans | 73.0195% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.3962% | 647 |
| Noncurrent loans to loans | 1.3287% | 1,109 |
| Net loans and leases to total assets | 78.9167% | 723 |
| Net loans and leases to deposits | 98.3598% | 603 |
| Net loans and leases to core deposits | 102.2630% | 1,014 |
| Total domestic deposits to total assets | 80.2327% | 3,813 |
| Equity capital to assets | 10.0691% | 3,168 |
| Core capital (leverage) ratio | 8.7442% | 4,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,970,250 | 3,350 |
| Average earning assets | $143,041,750 | 3,332 |
| Average equity | $16,450,250 | 3,512 |
| Average total loans | $122,110,000 | 2,969 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6106% | 273 |
| Cost of funding earning assets | 0.9138% | 1,311 |
| Net interest margin | 4.6968% | 343 |
| Noninterest income to average assets | 0.2495% | 3,977 |
| Noninterest expense to average assets | 2.5281% | 2,890 |
| Loan and lease loss provision to assets | 0.2414% | 1,742 |
| Net operating income to assets | 1.8709% | 427 |
| Return on assets (ROA) | 1.8709% | 472 |
| Pretax return on assets | 1.8709% | 708 |
| Return on Equity (ROE) | 16.9998% | 454 |
| Retained earnings to average equity (ytd only) | 6.9461% | 1,685 |
| Net charge-offs to loans | -0.0437% | 4,649 |
| Credit loss provision to net charge-offs | -692.3077% | 3,670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4798% | 4,119 |
| Assets per employee ($millions) | 6.1631% | 2,054 |
| Cash dividends to net income (ytd only)* | 59.1398% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 2,959 |
| Loan loss allowance to noncurrent loans | 154.5551% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.5891% | 2,049 |
| Noncurrent loans to loans | 0.7222% | 2,072 |
| Net loans and leases to total assets | 80.6610% | 521 |
| Net loans and leases to deposits | 100.2412% | 533 |
| Net loans and leases to core deposits | 104.5271% | 970 |
| Total domestic deposits to total assets | 80.4669% | 3,737 |
| Equity capital to assets | 10.5703% | 2,687 |
| Core capital (leverage) ratio | 9.2728% | 3,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,122,333 | 3,375 |
| Average earning assets | $139,415,333 | 3,354 |
| Average equity | $16,412,000 | 3,518 |
| Average total loans | $119,113,000 | 2,993 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1014% | 790 |
| Cost of funding earning assets | 1.0059% | 1,391 |
| Net interest margin | 4.0955% | 1,140 |
| Noninterest income to average assets | 0.2452% | 4,091 |
| Noninterest expense to average assets | 2.5243% | 3,196 |
| Loan and lease loss provision to assets | 0.2508% | 1,237 |
| Net operating income to assets | 1.2817% | 1,291 |
| Return on assets (ROA) | 1.2817% | 1,385 |
| Pretax return on assets | 1.2817% | 1,925 |
| Return on Equity (ROE) | 11.3939% | 1,292 |
| Retained earnings to average equity (ytd only) | -9.0408% | 4,729 |
| Net charge-offs to loans | -0.0635% | 4,703 |
| Credit loss provision to net charge-offs | -500.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2253% | 3,475 |
| Assets per employee ($millions) | 5.9130% | 1,749 |
| Cash dividends to net income (ytd only)* | 179.3478% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 2,710 |
| Loan loss allowance to noncurrent loans | 705.1813% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 3,960 |
| Noncurrent loans to loans | 0.1691% | 3,860 |
| Net loans and leases to total assets | 79.4864% | 762 |
| Net loans and leases to deposits | 98.2228% | 686 |
| Net loans and leases to core deposits | 101.8841% | 1,336 |
| Total domestic deposits to total assets | 80.9247% | 3,682 |
| Equity capital to assets | 11.2916% | 2,599 |
| Core capital (leverage) ratio | 9.3005% | 4,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,563,000 | 3,419 |
| Average earning assets | $133,611,500 | 3,402 |
| Average equity | $16,149,000 | 3,549 |
| Average total loans | $113,314,000 | 3,041 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3102% | 804 |
| Cost of funding earning assets | 1.0312% | 1,593 |
| Net interest margin | 4.2790% | 1,140 |
| Noninterest income to average assets | 0.2066% | 4,422 |
| Noninterest expense to average assets | 2.4007% | 3,691 |
| Loan and lease loss provision to assets | 0.2726% | 660 |
| Net operating income to assets | 1.5099% | 1,025 |
| Return on assets (ROA) | 1.5099% | 1,090 |
| Pretax return on assets | 1.5099% | 1,780 |
| Return on Equity (ROE) | 13.4834% | 1,018 |
| Retained earnings to average equity (ytd only) | 4.8361% | 2,511 |
| Net charge-offs to loans | 0.1966% | 1,031 |
| Credit loss provision to net charge-offs | 175.9259% | 1,479 |
| Earnings coverage of net charge-offs (x) | 11.5046% | 2,489 |
| Efficiency ratio | 57.3903% | 4,037 |
| Assets per employee ($millions) | 6.0506% | 1,597 |
| Cash dividends to net income (ytd only)* | 64.1330% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 2,858 |
| Loan loss allowance to noncurrent loans | 680.9783% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 4,011 |
| Noncurrent loans to loans | 0.1636% | 3,878 |
| Net loans and leases to total assets | 76.5858% | 1,314 |
| Net loans and leases to deposits | 94.4621% | 1,113 |
| Net loans and leases to core deposits | 98.6272% | 1,686 |
| Total domestic deposits to total assets | 81.0756% | 3,750 |
| Equity capital to assets | 11.2068% | 2,808 |
| Core capital (leverage) ratio | 9.5604% | 4,001 |
| Tier 1 risk-based capital ratio | 10.6415% | 4,974 |
| Total risk-based capital ratio | 11.6231% | 4,992 |
| Memoranda: | ||
| Average total assets | $139,417,400 | 3,444 |
| Average earning assets | $129,562,400 | 3,432 |
| Average equity | $15,611,800 | 3,581 |
| Average total loans | $109,848,000 | 3,091 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3494% | 776 |
| Cost of funding earning assets | 1.0211% | 1,676 |
| Net interest margin | 4.3284% | 1,105 |
| Noninterest income to average assets | 0.2010% | 4,512 |
| Noninterest expense to average assets | 2.3812% | 3,740 |
| Loan and lease loss provision to assets | 0.2803% | 541 |
| Net operating income to assets | 1.5665% | 1,005 |
| Return on assets (ROA) | 1.5665% | 1,063 |
| Pretax return on assets | 1.5665% | 1,756 |
| Return on Equity (ROE) | 13.9923% | 989 |
| Retained earnings to average equity (ytd only) | 2.3392% | 4,163 |
| Net charge-offs to loans | 0.0208% | 2,695 |
| Credit loss provision to net charge-offs | 1,705.8824% | 224 |
| Earnings coverage of net charge-offs (x) | 112.3926% | 688 |
| Efficiency ratio | 56.3200% | 4,135 |
| Assets per employee ($millions) | 6.1964% | 1,465 |
| Cash dividends to net income (ytd only)* | 83.2821% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2049% | 2,479 |
| Loan loss allowance to noncurrent loans | 373.4247% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.4231% | 2,822 |
| Noncurrent loans to loans | 0.3227% | 3,374 |
| Net loans and leases to total assets | 78.4152% | 1,071 |
| Net loans and leases to deposits | 97.9766% | 820 |
| Net loans and leases to core deposits | 101.9951% | 1,500 |
| Total domestic deposits to total assets | 80.0347% | 3,986 |
| Equity capital to assets | 11.0766% | 3,034 |
| Core capital (leverage) ratio | 9.6562% | 4,017 |
| Tier 1 risk-based capital ratio | 10.3650% | 5,119 |
| Total risk-based capital ratio | 11.4435% | 5,082 |
| Memoranda: | ||
| Average total assets | $137,968,000 | 3,497 |
| Average earning assets | $128,359,250 | 3,484 |
| Average equity | $15,446,250 | 3,633 |
| Average total loans | $109,193,250 | 3,135 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3464% | 738 |
| Cost of funding earning assets | 1.0059% | 1,669 |
| Net interest margin | 4.3405% | 1,064 |
| Noninterest income to average assets | 0.2008% | 4,547 |
| Noninterest expense to average assets | 2.4463% | 3,620 |
| Loan and lease loss provision to assets | 0.2931% | 479 |
| Net operating income to assets | 1.4965% | 1,160 |
| Return on assets (ROA) | 1.4965% | 1,209 |
| Pretax return on assets | 1.4965% | 1,870 |
| Return on Equity (ROE) | 13.3177% | 1,152 |
| Retained earnings to average equity (ytd only) | 2.5435% | 3,928 |
| Net charge-offs to loans | -0.0093% | 4,305 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7509% | 4,043 |
| Assets per employee ($millions) | 5.9612% | 1,571 |
| Cash dividends to net income (ytd only)* | 80.9011% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 2,579 |
| Loan loss allowance to noncurrent loans | 417.4194% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.2261% | 3,668 |
| Noncurrent loans to loans | 0.2851% | 3,513 |
| Net loans and leases to total assets | 78.3652% | 1,152 |
| Net loans and leases to deposits | 95.1978% | 1,128 |
| Net loans and leases to core deposits | 98.8618% | 1,816 |
| Total domestic deposits to total assets | 82.3183% | 3,432 |
| Equity capital to assets | 11.4399% | 2,656 |
| Core capital (leverage) ratio | 9.8124% | 3,814 |
| Tier 1 risk-based capital ratio | 10.6625% | 5,048 |
| Total risk-based capital ratio | 11.7218% | 5,031 |
| Memoranda: | ||
| Average total assets | $136,451,670 | 3,536 |
| Average earning assets | $126,851,330 | 3,520 |
| Average equity | $15,333,000 | 3,653 |
| Average total loans | $107,885,000 | 3,170 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1958% | 918 |
| Cost of funding earning assets | 0.9770% | 1,668 |
| Net interest margin | 4.2188% | 1,264 |
| Noninterest income to average assets | 0.1969% | 4,580 |
| Noninterest expense to average assets | 2.5036% | 3,499 |
| Loan and lease loss provision to assets | 0.2645% | 537 |
| Net operating income to assets | 1.3370% | 1,570 |
| Return on assets (ROA) | 1.3370% | 1,606 |
| Pretax return on assets | 1.3370% | 2,299 |
| Return on Equity (ROE) | 12.0077% | 1,526 |
| Retained earnings to average equity (ytd only) | -9.7645% | 5,099 |
| Net charge-offs to loans | 0.0335% | 1,789 |
| Credit loss provision to net charge-offs | 1,000.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 60.5556% | 910 |
| Efficiency ratio | 60.9878% | 3,681 |
| Assets per employee ($millions) | 5.5915% | 1,891 |
| Cash dividends to net income (ytd only)* | 181.3187% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0891% | 3,185 |
| Loan loss allowance to noncurrent loans | 106.5574% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.8182% | 1,732 |
| Noncurrent loans to loans | 1.0221% | 1,633 |
| Net loans and leases to total assets | 79.1825% | 964 |
| Net loans and leases to deposits | 95.8108% | 987 |
| Net loans and leases to core deposits | 97.5014% | 1,816 |
| Total domestic deposits to total assets | 82.6447% | 3,525 |
| Equity capital to assets | 11.1927% | 2,663 |
| Core capital (leverage) ratio | 9.3757% | 4,291 |
| Tier 1 risk-based capital ratio | 10.3569% | 5,208 |
| Total risk-based capital ratio | 11.3296% | 5,223 |
| Memoranda: | ||
| Average total assets | $136,123,500 | 3,576 |
| Average earning assets | $126,102,500 | 3,570 |
| Average equity | $15,157,000 | 3,686 |
| Average total loans | $107,458,000 | 3,207 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9972% | 1,052 |
| Cost of funding earning assets | 0.8210% | 1,437 |
| Net interest margin | 4.1761% | 1,462 |
| Noninterest income to average assets | 0.2929% | 4,148 |
| Noninterest expense to average assets | 2.3429% | 4,016 |
| Loan and lease loss provision to assets | 0.3122% | 514 |
| Net operating income to assets | 1.5245% | 1,058 |
| Return on assets (ROA) | 1.5245% | 1,039 |
| Pretax return on assets | 1.5245% | 1,699 |
| Return on Equity (ROE) | 14.0508% | 1,032 |
| Retained earnings to average equity (ytd only) | 6.8918% | 1,717 |
| Net charge-offs to loans | -0.0815% | 5,103 |
| Credit loss provision to net charge-offs | -494.1176% | 4,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0555% | 4,406 |
| Assets per employee ($millions) | 5.7522% | 1,717 |
| Cash dividends to net income (ytd only)* | 50.9508% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0131% | 3,596 |
| Loan loss allowance to noncurrent loans | 121.4047% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.6498% | 2,098 |
| Noncurrent loans to loans | 0.8345% | 1,937 |
| Net loans and leases to total assets | 77.0710% | 1,431 |
| Net loans and leases to deposits | 92.8478% | 1,417 |
| Net loans and leases to core deposits | 94.1767% | 2,210 |
| Total domestic deposits to total assets | 83.0079% | 3,327 |
| Equity capital to assets | 11.0784% | 2,612 |
| Core capital (leverage) ratio | 9.6471% | 3,954 |
| Tier 1 risk-based capital ratio | 10.5514% | 5,162 |
| Total risk-based capital ratio | 11.4472% | 5,192 |
| Memoranda: | ||
| Average total assets | $134,536,400 | 3,586 |
| Average earning assets | $125,211,200 | 3,570 |
| Average equity | $14,597,000 | 3,686 |
| Average total loans | $104,316,600 | 3,226 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9495% | 1,045 |
| Cost of funding earning assets | 0.8148% | 1,264 |
| Net interest margin | 4.1347% | 1,535 |
| Noninterest income to average assets | 0.2803% | 4,274 |
| Noninterest expense to average assets | 2.3093% | 4,072 |
| Loan and lease loss provision to assets | 0.3292% | 426 |
| Net operating income to assets | 1.5093% | 1,173 |
| Return on assets (ROA) | 1.5093% | 1,170 |
| Pretax return on assets | 1.5093% | 1,871 |
| Return on Equity (ROE) | 13.9868% | 1,128 |
| Retained earnings to average equity (ytd only) | 4.3264% | 3,593 |
| Net charge-offs to loans | -0.0940% | 5,147 |
| Credit loss provision to net charge-offs | -452.0548% | 4,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6758% | 4,424 |
| Assets per employee ($millions) | 5.6088% | 1,816 |
| Cash dividends to net income (ytd only)* | 69.0683% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9219% | 4,175 |
| Loan loss allowance to noncurrent loans | 153.4992% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.4777% | 2,767 |
| Noncurrent loans to loans | 0.6006% | 2,579 |
| Net loans and leases to total assets | 78.7967% | 1,197 |
| Net loans and leases to deposits | 95.8045% | 1,179 |
| Net loans and leases to core deposits | 97.5589% | 1,974 |
| Total domestic deposits to total assets | 82.2474% | 3,542 |
| Equity capital to assets | 10.8840% | 2,769 |
| Core capital (leverage) ratio | 9.3408% | 4,348 |
| Tier 1 risk-based capital ratio | 10.2419% | 5,314 |
| Total risk-based capital ratio | 11.0643% | 5,372 |
| Memoranda: | ||
| Average total assets | $133,657,500 | 3,625 |
| Average earning assets | $125,019,500 | 3,608 |
| Average equity | $14,422,750 | 3,734 |
| Average total loans | $103,524,000 | 3,268 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7540% | 1,371 |
| Cost of funding earning assets | 0.7792% | 1,221 |
| Net interest margin | 3.9747% | 1,942 |
| Noninterest income to average assets | 0.2985% | 4,181 |
| Noninterest expense to average assets | 2.2874% | 4,173 |
| Loan and lease loss provision to assets | 0.2700% | 559 |
| Net operating income to assets | 1.4594% | 1,254 |
| Return on assets (ROA) | 1.4594% | 1,253 |
| Pretax return on assets | 1.4594% | 1,958 |
| Return on Equity (ROE) | 13.5641% | 1,190 |
| Retained earnings to average equity (ytd only) | 6.3151% | 2,407 |
| Net charge-offs to loans | -0.0313% | 4,752 |
| Credit loss provision to net charge-offs | -1,125.0000% | 4,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9455% | 4,370 |
| Assets per employee ($millions) | 5.8406% | 1,606 |
| Cash dividends to net income (ytd only)* | 53.4430% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7325% | 4,861 |
| Loan loss allowance to noncurrent loans | 143.3824% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.4050% | 3,114 |
| Noncurrent loans to loans | 0.5108% | 2,885 |
| Net loans and leases to total assets | 78.6925% | 1,207 |
| Net loans and leases to deposits | 93.3026% | 1,439 |
| Net loans and leases to core deposits | 94.4911% | 2,183 |
| Total domestic deposits to total assets | 84.3412% | 2,936 |
| Equity capital to assets | 10.8998% | 2,733 |
| Core capital (leverage) ratio | 9.4439% | 4,186 |
| Tier 1 risk-based capital ratio | 10.2606% | 5,352 |
| Total risk-based capital ratio | 10.9126% | 5,452 |
| Memoranda: | ||
| Average total assets | $133,339,670 | 3,655 |
| Average earning assets | $124,737,670 | 3,639 |
| Average equity | $14,346,670 | 3,760 |
| Average total loans | $102,346,670 | 3,300 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6661% | 1,393 |
| Cost of funding earning assets | 0.7459% | 1,208 |
| Net interest margin | 3.9201% | 1,965 |
| Noninterest income to average assets | 0.2800% | 4,300 |
| Noninterest expense to average assets | 2.2402% | 4,327 |
| Loan and lease loss provision to assets | 0.2710% | 509 |
| Net operating income to assets | 1.4242% | 1,272 |
| Return on assets (ROA) | 1.4242% | 1,278 |
| Pretax return on assets | 1.4242% | 1,918 |
| Return on Equity (ROE) | 13.3249% | 1,175 |
| Retained earnings to average equity (ytd only) | -1.3240% | 4,944 |
| Net charge-offs to loans | -0.0479% | 4,951 |
| Credit loss provision to net charge-offs | -750.0000% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9243% | 4,478 |
| Assets per employee ($millions) | 5.4758% | 1,961 |
| Cash dividends to net income (ytd only)* | 109.9366% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6863% | 5,054 |
| Loan loss allowance to noncurrent loans | 158.9327% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.4406% | 3,080 |
| Noncurrent loans to loans | 0.4318% | 3,239 |
| Net loans and leases to total assets | 75.4250% | 1,631 |
| Net loans and leases to deposits | 86.1781% | 2,145 |
| Net loans and leases to core deposits | 106.5564% | 1,198 |
| Total domestic deposits to total assets | 87.5223% | 1,888 |
| Equity capital to assets | 10.7687% | 2,805 |
| Core capital (leverage) ratio | 9.1310% | 4,532 |
| Tier 1 risk-based capital ratio | 10.5658% | 5,330 |
| Total risk-based capital ratio | 11.1805% | 5,464 |
| Memoranda: | ||
| Average total assets | $132,843,000 | 3,695 |
| Average earning assets | $123,873,500 | 3,684 |
| Average equity | $14,199,000 | 3,803 |
| Average total loans | $100,275,000 | 3,356 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4864% | 1,758 |
| Cost of funding earning assets | 0.5105% | 2,251 |
| Net interest margin | 3.9759% | 1,824 |
| Noninterest income to average assets | 0.2789% | 4,465 |
| Noninterest expense to average assets | 2.4964% | 3,795 |
| Loan and lease loss provision to assets | 0.4765% | 281 |
| Net operating income to assets | 1.0170% | 2,169 |
| Return on assets (ROA) | 1.0342% | 2,141 |
| Pretax return on assets | 1.0342% | 3,440 |
| Return on Equity (ROE) | 9.5749% | 2,066 |
| Retained earnings to average equity (ytd only) | 4.4765% | 2,463 |
| Net charge-offs to loans | 0.2776% | 942 |
| Credit loss provision to net charge-offs | 232.8244% | 1,193 |
| Earnings coverage of net charge-offs (x) | 7.2977% | 3,059 |
| Efficiency ratio | 62.5685% | 3,849 |
| Assets per employee ($millions) | 5.5945% | 1,850 |
| Cash dividends to net income (ytd only)* | 53.2477% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5787% | 5,281 |
| Loan loss allowance to noncurrent loans | 140.4819% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.4193% | 3,190 |
| Noncurrent loans to loans | 0.4119% | 3,293 |
| Net loans and leases to total assets | 74.5971% | 1,821 |
| Net loans and leases to deposits | 90.6754% | 1,689 |
| Net loans and leases to core deposits | 106.5997% | 1,232 |
| Total domestic deposits to total assets | 82.2683% | 3,792 |
| Equity capital to assets | 10.6101% | 3,039 |
| Core capital (leverage) ratio | 9.3447% | 4,235 |
| Tier 1 risk-based capital ratio | 10.4380% | 5,391 |
| Total risk-based capital ratio | 10.9528% | 5,551 |
| Memoranda: | ||
| Average total assets | $128,023,200 | 3,775 |
| Average earning assets | $119,495,000 | 3,755 |
| Average equity | $13,827,800 | 3,868 |
| Average total loans | $94,380,000 | 3,441 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4556% | 1,772 |
| Cost of funding earning assets | 0.4815% | 2,420 |
| Net interest margin | 3.9741% | 1,790 |
| Noninterest income to average assets | 0.2625% | 4,629 |
| Noninterest expense to average assets | 2.4945% | 3,756 |
| Loan and lease loss provision to assets | 0.5482% | 204 |
| Net operating income to assets | 0.9352% | 2,852 |
| Return on assets (ROA) | 0.9584% | 2,788 |
| Pretax return on assets | 0.9584% | 3,837 |
| Return on Equity (ROE) | 8.8315% | 2,710 |
| Retained earnings to average equity (ytd only) | 1.9820% | 4,648 |
| Net charge-offs to loans | -0.0072% | 4,544 |
| Credit loss provision to net charge-offs | -10,400.0000% | 5,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7087% | 3,774 |
| Assets per employee ($millions) | 5.3683% | 2,049 |
| Cash dividends to net income (ytd only)* | 77.5580% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7841% | 4,934 |
| Loan loss allowance to noncurrent loans | 143.1262% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.5270% | 2,951 |
| Noncurrent loans to loans | 0.5479% | 3,056 |
| Net loans and leases to total assets | 74.6387% | 1,816 |
| Net loans and leases to deposits | 101.5792% | 643 |
| Net loans and leases to core deposits | 109.2290% | 1,076 |
| Total domestic deposits to total assets | 73.4783% | 5,280 |
| Equity capital to assets | 10.8136% | 3,051 |
| Core capital (leverage) ratio | 9.0885% | 4,643 |
| Tier 1 risk-based capital ratio | 10.2786% | 5,516 |
| Total risk-based capital ratio | 10.9632% | 5,625 |
| Memoranda: | ||
| Average total assets | $126,462,000 | 3,839 |
| Average earning assets | $118,229,500 | 3,818 |
| Average equity | $13,723,250 | 3,921 |
| Average total loans | $92,789,250 | 3,506 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3292% | 2,037 |
| Cost of funding earning assets | 0.4346% | 2,758 |
| Net interest margin | 3.8946% | 1,948 |
| Noninterest income to average assets | 0.2610% | 4,665 |
| Noninterest expense to average assets | 2.5416% | 3,612 |
| Loan and lease loss provision to assets | 0.6843% | 159 |
| Net operating income to assets | 0.6716% | 3,971 |
| Return on assets (ROA) | 0.7066% | 3,883 |
| Pretax return on assets | 0.7066% | 4,529 |
| Return on Equity (ROE) | 6.5037% | 3,820 |
| Retained earnings to average equity (ytd only) | -0.1611% | 5,097 |
| Net charge-offs to loans | -0.0022% | 4,189 |
| Credit loss provision to net charge-offs | -43,000.0000% | 5,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2103% | 3,471 |
| Assets per employee ($millions) | 4.9225% | 2,481 |
| Cash dividends to net income (ytd only)* | 102.4775% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6962% | 5,221 |
| Loan loss allowance to noncurrent loans | 96.6618% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 0.5383% | 2,971 |
| Noncurrent loans to loans | 0.7203% | 2,590 |
| Net loans and leases to total assets | 74.2202% | 1,826 |
| Net loans and leases to deposits | 102.4703% | 579 |
| Net loans and leases to core deposits | 103.8063% | 1,364 |
| Total domestic deposits to total assets | 72.4309% | 5,424 |
| Equity capital to assets | 10.7138% | 3,121 |
| Core capital (leverage) ratio | 8.9948% | 4,734 |
| Tier 1 risk-based capital ratio | 10.2424% | 5,564 |
| Total risk-based capital ratio | 10.8520% | 5,678 |
| Memoranda: | ||
| Average total assets | $125,670,000 | 3,870 |
| Average earning assets | $117,342,000 | 3,851 |
| Average equity | $13,653,670 | 3,942 |
| Average total loans | $91,411,330 | 3,552 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2536% | 2,088 |
| Cost of funding earning assets | 0.4005% | 2,992 |
| Net interest margin | 3.8531% | 1,947 |
| Noninterest income to average assets | 0.2763% | 4,568 |
| Noninterest expense to average assets | 2.6214% | 3,408 |
| Loan and lease loss provision to assets | 0.2891% | 485 |
| Net operating income to assets | 0.9509% | 2,520 |
| Return on assets (ROA) | 0.9509% | 2,580 |
| Pretax return on assets | 0.9509% | 3,583 |
| Return on Equity (ROE) | 8.6902% | 2,571 |
| Retained earnings to average equity (ytd only) | -4.6681% | 5,364 |
| Net charge-offs to loans | -0.0672% | 5,308 |
| Credit loss provision to net charge-offs | -600.0000% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8869% | 3,220 |
| Assets per employee ($millions) | 5.0135% | 2,427 |
| Cash dividends to net income (ytd only)* | 153.7162% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3742% | 5,704 |
| Loan loss allowance to noncurrent loans | 47.5524% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 0.5705% | 2,949 |
| Noncurrent loans to loans | 0.7869% | 2,488 |
| Net loans and leases to total assets | 72.2245% | 2,044 |
| Net loans and leases to deposits | 93.2286% | 1,195 |
| Net loans and leases to core deposits | 94.3646% | 1,952 |
| Total domestic deposits to total assets | 77.4703% | 5,046 |
| Equity capital to assets | 10.8140% | 2,842 |
| Core capital (leverage) ratio | 9.1170% | 4,592 |
| Tier 1 risk-based capital ratio | 10.8426% | 5,390 |
| Total risk-based capital ratio | 11.1765% | 5,689 |
| Memoranda: | ||
| Average total assets | $124,513,000 | 3,925 |
| Average earning assets | $115,856,000 | 3,919 |
| Average equity | $13,624,500 | 3,975 |
| Average total loans | $89,289,000 | 3,612 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3429% | 2,002 |
| Cost of funding earning assets | 0.3803% | 3,199 |
| Net interest margin | 3.9626% | 1,748 |
| Noninterest income to average assets | 0.3204% | 4,452 |
| Noninterest expense to average assets | 2.6470% | 3,536 |
| Loan and lease loss provision to assets | 0.2324% | 932 |
| Net operating income to assets | 1.1081% | 1,868 |
| Return on assets (ROA) | 1.1081% | 1,962 |
| Pretax return on assets | 1.1081% | 3,068 |
| Return on Equity (ROE) | 9.7815% | 2,067 |
| Retained earnings to average equity (ytd only) | 2.6377% | 4,019 |
| Net charge-offs to loans | 0.4189% | 624 |
| Credit loss provision to net charge-offs | 76.9231% | 3,023 |
| Earnings coverage of net charge-offs (x) | 4.4368% | 3,503 |
| Efficiency ratio | 66.3822% | 3,530 |
| Assets per employee ($millions) | 4.5811% | 2,996 |
| Cash dividends to net income (ytd only)* | 73.0337% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2679% | 5,812 |
| Loan loss allowance to noncurrent loans | 42.8832% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 0.4430% | 3,494 |
| Noncurrent loans to loans | 0.6248% | 2,974 |
| Net loans and leases to total assets | 70.7250% | 2,377 |
| Net loans and leases to deposits | 90.7440% | 1,601 |
| Net loans and leases to core deposits | 92.1608% | 2,288 |
| Total domestic deposits to total assets | 77.9390% | 4,984 |
| Equity capital to assets | 11.0721% | 2,566 |
| Core capital (leverage) ratio | 9.3180% | 4,330 |
| Tier 1 risk-based capital ratio | 11.3740% | 5,131 |
| Total risk-based capital ratio | 11.6125% | 5,573 |
| Memoranda: | ||
| Average total assets | $120,476,400 | 3,985 |
| Average earning assets | $111,493,400 | 3,982 |
| Average equity | $13,648,200 | 4,000 |
| Average total loans | $86,891,800 | 3,639 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3737% | 1,935 |
| Cost of funding earning assets | 0.3664% | 3,371 |
| Net interest margin | 4.0073% | 1,629 |
| Noninterest income to average assets | 0.2997% | 4,622 |
| Noninterest expense to average assets | 2.6237% | 3,586 |
| Loan and lease loss provision to assets | 0.2117% | 997 |
| Net operating income to assets | 1.1687% | 1,734 |
| Return on assets (ROA) | 1.1687% | 1,845 |
| Pretax return on assets | 1.1687% | 2,973 |
| Return on Equity (ROE) | 10.2565% | 1,947 |
| Retained earnings to average equity (ytd only) | 0.7235% | 5,171 |
| Net charge-offs to loans | -0.0369% | 5,247 |
| Credit loss provision to net charge-offs | -791.6667% | 5,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5259% | 3,672 |
| Assets per employee ($millions) | 4.4273% | 3,200 |
| Cash dividends to net income (ytd only)* | 92.9460% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6096% | 5,591 |
| Loan loss allowance to noncurrent loans | 47.6318% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 0.9361% | 2,224 |
| Noncurrent loans to loans | 1.2798% | 1,744 |
| Net loans and leases to total assets | 72.6997% | 2,063 |
| Net loans and leases to deposits | 94.3122% | 1,233 |
| Net loans and leases to core deposits | 95.5398% | 2,046 |
| Total domestic deposits to total assets | 77.0841% | 5,072 |
| Equity capital to assets | 11.4475% | 2,554 |
| Core capital (leverage) ratio | 9.3370% | 4,407 |
| Tier 1 risk-based capital ratio | 10.5955% | 5,572 |
| Total risk-based capital ratio | 11.1128% | 5,795 |
| Memoranda: | ||
| Average total assets | $119,673,250 | 4,024 |
| Average earning assets | $110,628,000 | 4,018 |
| Average equity | $13,636,500 | 4,032 |
| Average total loans | $86,686,250 | 3,667 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3535% | 1,977 |
| Cost of funding earning assets | 0.3385% | 3,712 |
| Net interest margin | 4.0150% | 1,596 |
| Noninterest income to average assets | 0.2940% | 4,675 |
| Noninterest expense to average assets | 2.5844% | 3,776 |
| Loan and lease loss provision to assets | 0.1671% | 1,341 |
| Net operating income to assets | 1.2479% | 1,434 |
| Return on assets (ROA) | 1.2479% | 1,541 |
| Pretax return on assets | 1.2479% | 2,607 |
| Return on Equity (ROE) | 10.9686% | 1,656 |
| Retained earnings to average equity (ytd only) | 3.9939% | 3,362 |
| Net charge-offs to loans | -0.0231% | 5,005 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6199% | 3,910 |
| Assets per employee ($millions) | 4.3152% | 3,342 |
| Cash dividends to net income (ytd only)* | 63.5877% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4867% | 5,813 |
| Loan loss allowance to noncurrent loans | 31.9672% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 1.1107% | 1,907 |
| Noncurrent loans to loans | 1.5226% | 1,430 |
| Net loans and leases to total assets | 72.5918% | 2,068 |
| Net loans and leases to deposits | 94.7734% | 1,211 |
| Net loans and leases to core deposits | 95.9985% | 1,975 |
| Total domestic deposits to total assets | 76.5951% | 5,207 |
| Equity capital to assets | 11.5158% | 2,534 |
| Core capital (leverage) ratio | 9.4793% | 4,233 |
| Tier 1 risk-based capital ratio | 10.6891% | 5,586 |
| Total risk-based capital ratio | 11.1017% | 5,850 |
| Memoranda: | ||
| Average total assets | $119,718,670 | 4,051 |
| Average earning assets | $110,486,670 | 4,047 |
| Average equity | $13,620,670 | 4,052 |
| Average total loans | $86,436,330 | 3,681 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4743% | 1,584 |
| Cost of funding earning assets | 0.3191% | 3,957 |
| Net interest margin | 4.1552% | 1,204 |
| Noninterest income to average assets | 0.2920% | 4,633 |
| Noninterest expense to average assets | 2.5981% | 3,756 |
| Loan and lease loss provision to assets | 0.1007% | 2,014 |
| Net operating income to assets | 1.4400% | 966 |
| Return on assets (ROA) | 1.4400% | 1,012 |
| Pretax return on assets | 1.4400% | 1,779 |
| Return on Equity (ROE) | 12.7356% | 1,094 |
| Retained earnings to average equity (ytd only) | -1.3656% | 5,320 |
| Net charge-offs to loans | -0.0561% | 5,380 |
| Credit loss provision to net charge-offs | -250.0000% | 4,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7737% | 4,333 |
| Assets per employee ($millions) | 4.6085% | 2,881 |
| Cash dividends to net income (ytd only)* | 110.7226% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4202% | 5,933 |
| Loan loss allowance to noncurrent loans | 41.3991% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 0.7277% | 2,895 |
| Noncurrent loans to loans | 1.0150% | 2,353 |
| Net loans and leases to total assets | 71.3992% | 2,131 |
| Net loans and leases to deposits | 91.1709% | 1,445 |
| Net loans and leases to core deposits | 92.3399% | 2,153 |
| Total domestic deposits to total assets | 78.3137% | 5,086 |
| Equity capital to assets | 11.3093% | 2,614 |
| Core capital (leverage) ratio | 9.3499% | 4,430 |
| Tier 1 risk-based capital ratio | 10.6556% | 5,680 |
| Total risk-based capital ratio | 11.0119% | 5,934 |
| Memoranda: | ||
| Average total assets | $119,165,500 | 4,092 |
| Average earning assets | $110,319,000 | 4,084 |
| Average equity | $13,474,000 | 4,088 |
| Average total loans | $85,585,500 | 3,710 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2672% | 2,326 |
| Cost of funding earning assets | 0.3179% | 4,060 |
| Net interest margin | 3.9493% | 1,874 |
| Noninterest income to average assets | 0.3882% | 4,125 |
| Noninterest expense to average assets | 2.6281% | 3,825 |
| Loan and lease loss provision to assets | 0.1539% | 1,524 |
| Net operating income to assets | 1.2146% | 1,502 |
| Return on assets (ROA) | 1.2189% | 1,552 |
| Pretax return on assets | 1.2189% | 2,594 |
| Return on Equity (ROE) | 10.7272% | 1,720 |
| Retained earnings to average equity (ytd only) | 3.9942% | 3,185 |
| Net charge-offs to loans | -0.0618% | 5,622 |
| Credit loss provision to net charge-offs | -356.0000% | 5,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7582% | 3,943 |
| Assets per employee ($millions) | 4.7404% | 2,678 |
| Cash dividends to net income (ytd only)* | 62.7660% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3730% | 6,014 |
| Loan loss allowance to noncurrent loans | 66.5272% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 0.4033% | 3,983 |
| Noncurrent loans to loans | 0.5607% | 3,490 |
| Net loans and leases to total assets | 71.6739% | 2,112 |
| Net loans and leases to deposits | 88.7899% | 1,777 |
| Net loans and leases to core deposits | 90.1660% | 2,388 |
| Total domestic deposits to total assets | 80.7230% | 4,563 |
| Equity capital to assets | 11.3046% | 2,537 |
| Core capital (leverage) ratio | 9.3736% | 4,366 |
| Tier 1 risk-based capital ratio | 10.7411% | 5,649 |
| Total risk-based capital ratio | 11.0561% | 5,963 |
| Memoranda: | ||
| Average total assets | $115,674,200 | 4,141 |
| Average earning assets | $105,689,600 | 4,150 |
| Average equity | $13,144,200 | 4,108 |
| Average total loans | $80,852,400 | 3,800 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2822% | 2,300 |
| Cost of funding earning assets | 0.3143% | 4,174 |
| Net interest margin | 3.9679% | 1,814 |
| Noninterest income to average assets | 0.3375% | 4,528 |
| Noninterest expense to average assets | 2.5201% | 4,133 |
| Loan and lease loss provision to assets | 0.1774% | 1,184 |
| Net operating income to assets | 1.2560% | 1,465 |
| Return on assets (ROA) | 1.2560% | 1,521 |
| Pretax return on assets | 1.2560% | 2,573 |
| Return on Equity (ROE) | 11.0386% | 1,693 |
| Retained earnings to average equity (ytd only) | 2.0181% | 4,872 |
| Net charge-offs to loans | -0.0401% | 5,467 |
| Credit loss provision to net charge-offs | -637.5000% | 5,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7430% | 4,294 |
| Assets per employee ($millions) | 4.3753% | 3,203 |
| Cash dividends to net income (ytd only)* | 81.7176% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3263% | 6,136 |
| Loan loss allowance to noncurrent loans | 51.9455% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 0.4967% | 3,838 |
| Noncurrent loans to loans | 0.6281% | 3,433 |
| Net loans and leases to total assets | 71.7020% | 2,108 |
| Net loans and leases to deposits | 89.1987% | 1,748 |
| Net loans and leases to core deposits | 90.6541% | 2,394 |
| Total domestic deposits to total assets | 80.3845% | 4,642 |
| Equity capital to assets | 11.6362% | 2,389 |
| Core capital (leverage) ratio | 9.4632% | 4,347 |
| Tier 1 risk-based capital ratio | 10.8882% | 5,715 |
| Total risk-based capital ratio | 11.1647% | 6,028 |
| Memoranda: | ||
| Average total assets | $114,965,500 | 4,197 |
| Average earning assets | $104,771,250 | 4,221 |
| Average equity | $13,081,000 | 4,168 |
| Average total loans | $79,751,000 | 3,868 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2186% | 2,487 |
| Cost of funding earning assets | 0.3133% | 4,240 |
| Net interest margin | 3.9052% | 1,959 |
| Noninterest income to average assets | 0.3259% | 4,618 |
| Noninterest expense to average assets | 2.5224% | 4,166 |
| Loan and lease loss provision to assets | 0.1768% | 1,170 |
| Net operating income to assets | 1.1702% | 1,702 |
| Return on assets (ROA) | 1.1702% | 1,773 |
| Pretax return on assets | 1.1702% | 2,898 |
| Return on Equity (ROE) | 10.3615% | 1,912 |
| Retained earnings to average equity (ytd only) | 4.4516% | 3,176 |
| Net charge-offs to loans | -0.0506% | 5,555 |
| Credit loss provision to net charge-offs | -510.0000% | 5,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1882% | 4,155 |
| Assets per employee ($millions) | 4.5543% | 2,896 |
| Cash dividends to net income (ytd only)* | 57.0370% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2662% | 6,228 |
| Loan loss allowance to noncurrent loans | 38.8991% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 0.5235% | 3,868 |
| Noncurrent loans to loans | 0.6844% | 3,434 |
| Net loans and leases to total assets | 69.7550% | 2,356 |
| Net loans and leases to deposits | 87.7551% | 1,870 |
| Net loans and leases to core deposits | 89.2090% | 2,430 |
| Total domestic deposits to total assets | 79.4883% | 4,984 |
| Equity capital to assets | 11.6515% | 2,288 |
| Core capital (leverage) ratio | 9.5271% | 4,246 |
| Tier 1 risk-based capital ratio | 11.0678% | 5,679 |
| Total risk-based capital ratio | 11.2889% | 6,026 |
| Memoranda: | ||
| Average total assets | $115,368,330 | 4,229 |
| Average earning assets | $104,679,670 | 4,252 |
| Average equity | $13,029,000 | 4,204 |
| Average total loans | $79,057,000 | 3,911 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1572% | 2,611 |
| Cost of funding earning assets | 0.3058% | 4,373 |
| Net interest margin | 3.8514% | 2,060 |
| Noninterest income to average assets | 0.2997% | 4,776 |
| Noninterest expense to average assets | 2.5318% | 4,166 |
| Loan and lease loss provision to assets | 0.1757% | 1,104 |
| Net operating income to assets | 1.1057% | 1,849 |
| Return on assets (ROA) | 1.1057% | 1,954 |
| Pretax return on assets | 1.1057% | 3,044 |
| Return on Equity (ROE) | 9.9454% | 2,028 |
| Retained earnings to average equity (ytd only) | -1.9829% | 5,686 |
| Net charge-offs to loans | -0.0813% | 5,757 |
| Credit loss provision to net charge-offs | -318.7500% | 4,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3957% | 4,081 |
| Assets per employee ($millions) | 4.5028% | 3,051 |
| Cash dividends to net income (ytd only)* | 119.9377% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1996% | 6,323 |
| Loan loss allowance to noncurrent loans | 48.9097% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 4,662 |
| Noncurrent loans to loans | 0.4080% | 4,367 |
| Net loans and leases to total assets | 69.7450% | 2,175 |
| Net loans and leases to deposits | 86.5127% | 1,770 |
| Net loans and leases to core deposits | 87.9499% | 2,339 |
| Total domestic deposits to total assets | 80.6183% | 4,909 |
| Equity capital to assets | 11.5031% | 2,457 |
| Core capital (leverage) ratio | 9.1415% | 4,799 |
| Tier 1 risk-based capital ratio | 10.7817% | 5,903 |
| Total risk-based capital ratio | 10.9467% | 6,204 |
| Memoranda: | ||
| Average total assets | $116,124,000 | 4,254 |
| Average earning assets | $105,936,000 | 4,252 |
| Average equity | $12,910,500 | 4,251 |
| Average total loans | $78,769,000 | 3,939 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9013% | 4,120 |
| Cost of funding earning assets | 0.3024% | 4,768 |
| Net interest margin | 3.5989% | 3,417 |
| Noninterest income to average assets | 0.3792% | 4,349 |
| Noninterest expense to average assets | 2.5297% | 4,456 |
| Loan and lease loss provision to assets | 0.2552% | 880 |
| Net operating income to assets | 0.9556% | 2,600 |
| Return on assets (ROA) | 0.9556% | 2,682 |
| Pretax return on assets | 0.9556% | 3,667 |
| Return on Equity (ROE) | 8.5850% | 2,798 |
| Retained earnings to average equity (ytd only) | 4.0395% | 3,331 |
| Net charge-offs to loans | 0.3384% | 1,298 |
| Credit loss provision to net charge-offs | 122.8814% | 1,948 |
| Earnings coverage of net charge-offs (x) | 5.8305% | 3,344 |
| Efficiency ratio | 67.6311% | 3,957 |
| Assets per employee ($millions) | 4.4325% | 3,147 |
| Cash dividends to net income (ytd only)* | 52.9466% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1141% | 6,433 |
| Loan loss allowance to noncurrent loans | 31.4685% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 0.2841% | 4,898 |
| Noncurrent loans to loans | 0.3626% | 4,566 |
| Net loans and leases to total assets | 65.8258% | 2,914 |
| Net loans and leases to deposits | 80.9567% | 2,606 |
| Net loans and leases to core deposits | 82.2165% | 3,079 |
| Total domestic deposits to total assets | 81.3098% | 4,652 |
| Equity capital to assets | 10.7555% | 3,173 |
| Core capital (leverage) ratio | 9.1703% | 4,718 |
| Tier 1 risk-based capital ratio | 10.8494% | 5,966 |
| Total risk-based capital ratio | 10.9440% | 6,290 |
| Memoranda: | ||
| Average total assets | $113,650,800 | 4,310 |
| Average earning assets | $106,144,800 | 4,263 |
| Average equity | $12,650,000 | 4,252 |
| Average total loans | $69,740,800 | 4,191 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8567% | 4,343 |
| Cost of funding earning assets | 0.3031% | 4,863 |
| Net interest margin | 3.5536% | 3,617 |
| Noninterest income to average assets | 0.3614% | 4,543 |
| Noninterest expense to average assets | 2.4028% | 4,813 |
| Loan and lease loss provision to assets | 0.2735% | 758 |
| Net operating income to assets | 1.0308% | 2,320 |
| Return on assets (ROA) | 1.0308% | 2,379 |
| Pretax return on assets | 1.0308% | 3,463 |
| Return on Equity (ROE) | 9.1784% | 2,593 |
| Retained earnings to average equity (ytd only) | 3.0912% | 4,421 |
| Net charge-offs to loans | 0.1206% | 2,608 |
| Credit loss provision to net charge-offs | 377.0492% | 743 |
| Earnings coverage of net charge-offs (x) | 17.9839% | 1,870 |
| Efficiency ratio | 64.8172% | 4,408 |
| Assets per employee ($millions) | 4.0943% | 3,682 |
| Cash dividends to net income (ytd only)* | 66.3209% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2883% | 6,472 |
| Loan loss allowance to noncurrent loans | 25.4027% | 5,843 |
| Noncurrent assets plus other real estate owned to assets | 0.7789% | 3,483 |
| Noncurrent loans to loans | 1.1348% | 2,788 |
| Net loans and leases to total assets | 64.1440% | 3,158 |
| Net loans and leases to deposits | 79.3332% | 2,794 |
| Net loans and leases to core deposits | 80.6148% | 3,238 |
| Total domestic deposits to total assets | 80.8540% | 4,860 |
| Equity capital to assets | 11.4551% | 2,525 |
| Core capital (leverage) ratio | 9.0638% | 4,981 |
| Tier 1 risk-based capital ratio | 10.6957% | 6,130 |
| Total risk-based capital ratio | 10.9128% | 6,382 |
| Memoranda: | ||
| Average total assets | $112,144,000 | 4,377 |
| Average earning assets | $105,579,500 | 4,316 |
| Average equity | $12,594,500 | 4,289 |
| Average total loans | $67,458,750 | 4,292 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7559% | 4,671 |
| Cost of funding earning assets | 0.3006% | 4,963 |
| Net interest margin | 3.4553% | 3,963 |
| Noninterest income to average assets | 0.3745% | 4,445 |
| Noninterest expense to average assets | 2.3962% | 4,890 |
| Loan and lease loss provision to assets | 0.3017% | 651 |
| Net operating income to assets | 0.9407% | 2,591 |
| Return on assets (ROA) | 0.9407% | 2,698 |
| Pretax return on assets | 0.9407% | 3,720 |
| Return on Equity (ROE) | 8.4317% | 2,878 |
| Retained earnings to average equity (ytd only) | 8.4317% | 1,163 |
| Net charge-offs to loans | 0.0362% | 3,494 |
| Credit loss provision to net charge-offs | 1,416.6667% | 254 |
| Earnings coverage of net charge-offs (x) | 58.3333% | 820 |
| Efficiency ratio | 65.8537% | 4,386 |
| Assets per employee ($millions) | 4.2905% | 3,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2879% | 6,542 |
| Loan loss allowance to noncurrent loans | 23.9506% | 5,924 |
| Noncurrent assets plus other real estate owned to assets | 0.7458% | 3,729 |
| Noncurrent loans to loans | 1.2021% | 2,830 |
| Net loans and leases to total assets | 57.9996% | 3,994 |
| Net loans and leases to deposits | 70.8326% | 3,717 |
| Net loans and leases to core deposits | 72.1198% | 4,041 |
| Total domestic deposits to total assets | 81.8825% | 4,685 |
| Equity capital to assets | 11.1780% | 2,717 |
| Core capital (leverage) ratio | 9.1879% | 4,763 |
| Tier 1 risk-based capital ratio | 10.8848% | 6,098 |
| Total risk-based capital ratio | 11.0891% | 6,410 |
| Memoranda: | ||
| Average total assets | $112,677,000 | 4,398 |
| Average earning assets | $106,445,670 | 4,315 |
| Average equity | $12,571,670 | 4,305 |
| Average total loans | $66,240,670 | 4,344 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7165% | 4,788 |
| Cost of funding earning assets | 0.2979% | 5,085 |
| Net interest margin | 3.4186% | 4,032 |
| Noninterest income to average assets | 0.3925% | 4,253 |
| Noninterest expense to average assets | 2.3620% | 5,027 |
| Loan and lease loss provision to assets | 0.3961% | 425 |
| Net operating income to assets | 0.8569% | 2,866 |
| Return on assets (ROA) | 0.8569% | 2,935 |
| Pretax return on assets | 0.8569% | 3,872 |
| Return on Equity (ROE) | 7.6880% | 3,095 |
| Retained earnings to average equity (ytd only) | 7.6880% | 1,730 |
| Net charge-offs to loans | 0.0548% | 2,613 |
| Credit loss provision to net charge-offs | 1,222.2222% | 265 |
| Earnings coverage of net charge-offs (x) | 38.6667% | 897 |
| Efficiency ratio | 65.3386% | 4,637 |
| Assets per employee ($millions) | 4.0355% | 3,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2056% | 6,641 |
| Loan loss allowance to noncurrent loans | 19.2146% | 6,094 |
| Noncurrent assets plus other real estate owned to assets | 0.6841% | 4,056 |
| Noncurrent loans to loans | 1.0698% | 3,284 |
| Net loans and leases to total assets | 58.8647% | 3,720 |
| Net loans and leases to deposits | 74.5043% | 3,007 |
| Net loans and leases to core deposits | 75.9402% | 3,419 |
| Total domestic deposits to total assets | 79.0084% | 5,684 |
| Equity capital to assets | 11.1025% | 2,625 |
| Core capital (leverage) ratio | 9.2671% | 4,623 |
| Tier 1 risk-based capital ratio | 10.6938% | 6,276 |
| Total risk-based capital ratio | 10.8399% | 6,524 |
| Memoranda: | ||
| Average total assets | $111,093,500 | 4,466 |
| Average earning assets | $104,722,500 | 4,393 |
| Average equity | $12,383,000 | 4,360 |
| Average total loans | $65,669,500 | 4,401 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8762% | 6,720 |
| Cost of funding earning assets | 0.1425% | 6,569 |
| Net interest margin | 1.7338% | 6,697 |
| Noninterest income to average assets | 0.2126% | 5,812 |
| Noninterest expense to average assets | 1.3221% | 6,677 |
| Loan and lease loss provision to assets | 0.0380% | 4,357 |
| Net operating income to assets | 0.5040% | 4,714 |
| Return on assets (ROA) | 0.5040% | 4,847 |
| Pretax return on assets | 0.5040% | 5,199 |
| Return on Equity (ROE) | 5.1264% | 4,567 |
| Retained earnings to average equity (ytd only) | 5.1264% | 2,509 |
| Net charge-offs to loans | 0.0065% | 5,330 |
| Credit loss provision to net charge-offs | 1,000.0000% | 250 |
| Earnings coverage of net charge-offs (x) | 142.7500% | 320 |
| Efficiency ratio | 70.9267% | 3,681 |
| Assets per employee ($millions) | 4.3678% | 3,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0557% | 6,740 |
| Loan loss allowance to noncurrent loans | 4.9113% | 6,292 |
| Noncurrent assets plus other real estate owned to assets | 0.7271% | 4,065 |
| Noncurrent loans to loans | 1.1331% | 3,280 |
| Net loans and leases to total assets | 59.2093% | 3,844 |
| Net loans and leases to deposits | 74.9009% | 3,115 |
| Net loans and leases to core deposits | 76.3904% | 3,567 |
| Total domestic deposits to total assets | 79.0501% | 5,645 |
| Equity capital to assets | 11.1920% | 2,438 |
| Core capital (leverage) ratio | 9.1221% | 4,823 |
| Tier 1 risk-based capital ratio | 11.0945% | 6,123 |
| Total risk-based capital ratio | 11.1353% | 6,508 |
| Memoranda: | ||
| Average total assets | $105,363,600 | 4,612 |
| Average earning assets | $100,359,800 | 4,505 |
| Average equity | $10,358,200 | 4,773 |
| Average total loans | $61,530,000 | 4,562 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2389% | 6,850 |
| Cost of funding earning assets | 0.0962% | 6,773 |
| Net interest margin | 1.1427% | 6,838 |
| Noninterest income to average assets | 0.1188% | 6,419 |
| Noninterest expense to average assets | 0.8033% | 6,850 |
| Loan and lease loss provision to assets | 0.0128% | 4,742 |
| Net operating income to assets | 0.3818% | 5,325 |
| Return on assets (ROA) | 0.3818% | 5,462 |
| Pretax return on assets | 0.3946% | 5,637 |
| Return on Equity (ROE) | 4.0299% | 5,210 |
| Retained earnings to average equity (ytd only) | 4.0299% | 3,825 |
| Net charge-offs to loans | 0.0022% | 5,170 |
| Credit loss provision to net charge-offs | 1,000.0000% | 305 |
| Earnings coverage of net charge-offs (x) | 319.7895% | 182 |
| Efficiency ratio | 66.3502% | 4,424 |
| Assets per employee ($millions) | 3.8799% | 4,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0152% | 6,826 |
| Loan loss allowance to noncurrent loans | 1.4041% | 6,387 |
| Noncurrent assets plus other real estate owned to assets | 0.6462% | 4,497 |
| Noncurrent loans to loans | 1.0846% | 3,623 |
| Net loans and leases to total assets | 54.3944% | 4,542 |
| Net loans and leases to deposits | 69.3214% | 3,884 |
| Net loans and leases to core deposits | 70.7133% | 4,242 |
| Total domestic deposits to total assets | 78.4670% | 5,831 |
| Equity capital to assets | 11.1066% | 2,658 |
| Core capital (leverage) ratio | 9.2269% | 4,792 |
| Tier 1 risk-based capital ratio | 11.0491% | 6,257 |
| Total risk-based capital ratio | 11.0595% | 6,618 |
| Memoranda: | ||
| Average total assets | $104,406,000 | 4,681 |
| Average earning assets | $99,759,500 | 4,567 |
| Average equity | $9,892,500 | 4,925 |
| Average total loans | $60,740,250 | 4,632 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7669% | 4,941 |
| Cost of funding earning assets | 0.4398% | 4,546 |
| Net interest margin | 3.3270% | 4,461 |
| Noninterest income to average assets | 0.3767% | 4,695 |
| Noninterest expense to average assets | 2.7768% | 3,755 |
| Loan and lease loss provision to assets | 0.2816% | 1,299 |
| Net operating income to assets | 0.3107% | 5,572 |
| Return on assets (ROA) | 0.3107% | 5,717 |
| Pretax return on assets | 0.5204% | 5,303 |
| Return on Equity (ROE) | 3.4904% | 5,430 |
| Retained earnings to average equity (ytd only) | -6.3264% | 6,536 |
| Net charge-offs to loans | 1.1552% | 507 |
| Credit loss provision to net charge-offs | 40.9605% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.1667% | 4,148 |
| Efficiency ratio | 77.5909% | 2,528 |
| Assets per employee ($millions) | 3.4679% | 4,921 |
| Cash dividends to net income (ytd only)* | 281.2500% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 4,847 |
| Loan loss allowance to noncurrent loans | 183.4171% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.4479% | 5,155 |
| Noncurrent loans to loans | 0.6689% | 4,601 |
| Net loans and leases to total assets | 56.4928% | 4,212 |
| Net loans and leases to deposits | 68.3482% | 3,962 |
| Net loans and leases to core deposits | 69.4983% | 4,324 |
| Total domestic deposits to total assets | 82.6544% | 4,829 |
| Equity capital to assets | 8.6363% | 5,631 |
| Core capital (leverage) ratio | 8.8192% | 5,262 |
| Tier 1 risk-based capital ratio | 10.7252% | 6,437 |
| Total risk-based capital ratio | 11.5865% | 6,531 |
| Memoranda: | ||
| Average total assets | $102,995,330 | 4,747 |
| Average earning assets | $99,127,000 | 4,613 |
| Average equity | $9,168,000 | 5,132 |
| Average total loans | $61,286,330 | 4,630 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8851% | 4,533 |
| Cost of funding earning assets | 0.4516% | 4,580 |
| Net interest margin | 3.4335% | 3,993 |
| Noninterest income to average assets | 0.4060% | 4,414 |
| Noninterest expense to average assets | 2.4709% | 4,865 |
| Loan and lease loss provision to assets | 0.3123% | 1,090 |
| Net operating income to assets | 0.6519% | 3,950 |
| Return on assets (ROA) | 0.6519% | 4,106 |
| Pretax return on assets | 0.9173% | 3,700 |
| Return on Equity (ROE) | 7.2142% | 3,371 |
| Retained earnings to average equity (ytd only) | -12.2253% | 6,686 |
| Net charge-offs to loans | 1.7305% | 287 |
| Credit loss provision to net charge-offs | 29.7398% | 2,894 |
| Earnings coverage of net charge-offs (x) | 1.1710% | 3,438 |
| Efficiency ratio | 66.7722% | 4,528 |
| Assets per employee ($millions) | 3.4123% | 5,178 |
| Cash dividends to net income (ytd only)* | 269.4611% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 4,918 |
| Loan loss allowance to noncurrent loans | 401.0695% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 5,798 |
| Noncurrent loans to loans | 0.3128% | 5,619 |
| Net loans and leases to total assets | 57.6645% | 3,820 |
| Net loans and leases to deposits | 69.1274% | 3,624 |
| Net loans and leases to core deposits | 70.2956% | 4,042 |
| Total domestic deposits to total assets | 83.4177% | 4,700 |
| Equity capital to assets | 8.9071% | 5,609 |
| Core capital (leverage) ratio | 8.8190% | 5,156 |
| Tier 1 risk-based capital ratio | 10.7630% | 6,502 |
| Total risk-based capital ratio | 11.6504% | 6,588 |
| Memoranda: | ||
| Average total assets | $102,474,000 | 4,801 |
| Average earning assets | $98,325,500 | 4,674 |
| Average equity | $9,259,500 | 5,167 |
| Average total loans | $62,177,500 | 4,625 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2757% | 4,299 |
| Cost of funding earning assets | 0.5611% | 4,721 |
| Net interest margin | 3.7146% | 3,584 |
| Noninterest income to average assets | 0.3696% | 4,833 |
| Noninterest expense to average assets | 2.7743% | 4,124 |
| Loan and lease loss provision to assets | 0.1689% | 3,510 |
| Net operating income to assets | 0.8168% | 3,209 |
| Return on assets (ROA) | 0.8168% | 3,454 |
| Pretax return on assets | 0.9986% | 3,552 |
| Return on Equity (ROE) | 9.0171% | 2,631 |
| Retained earnings to average equity (ytd only) | 4.3001% | 3,197 |
| Net charge-offs to loans | 0.1031% | 4,638 |
| Credit loss provision to net charge-offs | 261.5385% | 920 |
| Earnings coverage of net charge-offs (x) | 18.0769% | 1,464 |
| Efficiency ratio | 70.3806% | 3,735 |
| Assets per employee ($millions) | 3.4193% | 5,173 |
| Cash dividends to net income (ytd only)* | 52.3114% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4541% | 3,926 |
| Loan loss allowance to noncurrent loans | 369.6850% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.4124% | 5,459 |
| Noncurrent loans to loans | 0.3933% | 5,512 |
| Net loans and leases to total assets | 62.0355% | 3,246 |
| Net loans and leases to deposits | 75.2741% | 2,908 |
| Net loans and leases to core deposits | 76.5546% | 3,453 |
| Total domestic deposits to total assets | 82.4128% | 4,962 |
| Equity capital to assets | 9.1646% | 5,319 |
| Core capital (leverage) ratio | 9.2302% | 4,525 |
| Tier 1 risk-based capital ratio | 10.7793% | 6,436 |
| Total risk-based capital ratio | 11.8583% | 6,477 |
| Memoranda: | ||
| Average total assets | $100,638,800 | 4,819 |
| Average earning assets | $96,779,000 | 4,669 |
| Average equity | $9,116,000 | 5,195 |
| Average total loans | $63,041,200 | 4,597 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3543% | 4,230 |
| Cost of funding earning assets | 0.5837% | 4,801 |
| Net interest margin | 3.7706% | 3,465 |
| Noninterest income to average assets | 0.3541% | 4,987 |
| Noninterest expense to average assets | 2.6173% | 4,685 |
| Loan and lease loss provision to assets | 0.1598% | 3,519 |
| Net operating income to assets | 1.0237% | 2,396 |
| Return on assets (ROA) | 1.0237% | 2,620 |
| Pretax return on assets | 1.2061% | 2,973 |
| Return on Equity (ROE) | 11.3360% | 1,842 |
| Retained earnings to average equity (ytd only) | 4.9973% | 3,367 |
| Net charge-offs to loans | 0.0170% | 5,445 |
| Credit loss provision to net charge-offs | 1,500.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 128.2071% | 342 |
| Efficiency ratio | 65.7086% | 4,502 |
| Assets per employee ($millions) | 3.5515% | 4,847 |
| Cash dividends to net income (ytd only)* | 55.9167% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4952% | 3,974 |
| Loan loss allowance to noncurrent loans | 198.9474% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.5712% | 5,239 |
| Noncurrent loans to loans | 0.7515% | 4,914 |
| Net loans and leases to total assets | 62.6077% | 3,278 |
| Net loans and leases to deposits | 76.8734% | 2,842 |
| Net loans and leases to core deposits | 78.2355% | 3,418 |
| Total domestic deposits to total assets | 81.4426% | 5,213 |
| Equity capital to assets | 9.3933% | 5,348 |
| Core capital (leverage) ratio | 9.3674% | 4,478 |
| Tier 1 risk-based capital ratio | 11.0423% | 6,459 |
| Total risk-based capital ratio | 12.1611% | 6,497 |
| Memoranda: | ||
| Average total assets | $100,153,500 | 4,872 |
| Average earning assets | $96,393,250 | 4,727 |
| Average equity | $9,044,750 | 5,257 |
| Average total loans | $62,657,750 | 4,654 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3545% | 4,364 |
| Cost of funding earning assets | 0.6132% | 4,780 |
| Net interest margin | 3.7413% | 3,633 |
| Noninterest income to average assets | 0.3447% | 5,078 |
| Noninterest expense to average assets | 2.6955% | 4,450 |
| Loan and lease loss provision to assets | 0.1395% | 3,773 |
| Net operating income to assets | 0.9045% | 2,893 |
| Return on assets (ROA) | 0.9045% | 3,162 |
| Pretax return on assets | 1.1077% | 3,278 |
| Return on Equity (ROE) | 10.1498% | 2,295 |
| Retained earnings to average equity (ytd only) | 0.5366% | 5,851 |
| Net charge-offs to loans | 0.0128% | 5,268 |
| Credit loss provision to net charge-offs | 1,750.0000% | 184 |
| Earnings coverage of net charge-offs (x) | 156.5000% | 288 |
| Efficiency ratio | 68.3679% | 4,058 |
| Assets per employee ($millions) | 3.5419% | 4,888 |
| Cash dividends to net income (ytd only)* | 94.7137% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 4,194 |
| Loan loss allowance to noncurrent loans | 187.5000% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.5909% | 5,292 |
| Noncurrent loans to loans | 0.7800% | 4,944 |
| Net loans and leases to total assets | 61.1440% | 3,602 |
| Net loans and leases to deposits | 74.0177% | 3,291 |
| Net loans and leases to core deposits | 75.3092% | 3,839 |
| Total domestic deposits to total assets | 82.6073% | 4,904 |
| Equity capital to assets | 9.0982% | 5,584 |
| Core capital (leverage) ratio | 8.9485% | 4,985 |
| Tier 1 risk-based capital ratio | 10.5359% | 6,682 |
| Total risk-based capital ratio | 11.5882% | 6,728 |
| Memoranda: | ||
| Average total assets | $100,390,330 | 4,891 |
| Average earning assets | $96,544,000 | 4,745 |
| Average equity | $8,946,000 | 5,283 |
| Average total loans | $62,475,670 | 4,697 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4223% | 4,234 |
| Cost of funding earning assets | 0.6370% | 4,835 |
| Net interest margin | 3.7853% | 3,459 |
| Noninterest income to average assets | 0.3010% | 5,470 |
| Noninterest expense to average assets | 2.6139% | 4,767 |
| Loan and lease loss provision to assets | 0.1188% | 3,862 |
| Net operating income to assets | 0.9545% | 2,665 |
| Return on assets (ROA) | 0.9545% | 2,877 |
| Pretax return on assets | 1.2159% | 2,852 |
| Return on Equity (ROE) | 10.8223% | 2,098 |
| Retained earnings to average equity (ytd only) | -8.4872% | 6,786 |
| Net charge-offs to loans | 0.0064% | 4,656 |
| Credit loss provision to net charge-offs | 3,000.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 337.0000% | 95 |
| Efficiency ratio | 66.1986% | 4,523 |
| Assets per employee ($millions) | 3.5083% | 5,102 |
| Cash dividends to net income (ytd only)* | 178.4232% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4350% | 4,449 |
| Loan loss allowance to noncurrent loans | 178.3058% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.5799% | 5,440 |
| Noncurrent loans to loans | 0.8048% | 5,067 |
| Net loans and leases to total assets | 58.2607% | 3,993 |
| Net loans and leases to deposits | 70.5243% | 3,648 |
| Net loans and leases to core deposits | 71.4932% | 4,226 |
| Total domestic deposits to total assets | 82.6107% | 5,077 |
| Equity capital to assets | 8.6563% | 5,925 |
| Core capital (leverage) ratio | 8.7563% | 5,191 |
| Tier 1 risk-based capital ratio | 10.6856% | 6,678 |
| Total risk-based capital ratio | 11.7338% | 6,735 |
| Memoranda: | ||
| Average total assets | $100,998,500 | 4,916 |
| Average earning assets | $97,325,000 | 4,768 |
| Average equity | $8,907,500 | 5,312 |
| Average total loans | $62,944,000 | 4,701 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5069% | 5,047 |
| Cost of funding earning assets | 0.7776% | 5,021 |
| Net interest margin | 3.7293% | 4,160 |
| Noninterest income to average assets | 0.4129% | 4,508 |
| Noninterest expense to average assets | 2.7484% | 4,558 |
| Loan and lease loss provision to assets | 0.1802% | 4,394 |
| Net operating income to assets | 0.8407% | 2,871 |
| Return on assets (ROA) | 0.8423% | 3,021 |
| Pretax return on assets | 1.0668% | 2,970 |
| Return on Equity (ROE) | 9.4198% | 2,279 |
| Retained earnings to average equity (ytd only) | 4.4681% | 2,989 |
| Net charge-offs to loans | 0.4324% | 3,269 |
| Credit loss provision to net charge-offs | 62.7240% | 5,099 |
| Earnings coverage of net charge-offs (x) | 4.3333% | 3,160 |
| Efficiency ratio | 68.8241% | 4,185 |
| Assets per employee ($millions) | 3.4571% | 5,122 |
| Cash dividends to net income (ytd only)* | 52.5672% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2684% | 5,074 |
| Loan loss allowance to noncurrent loans | 44.5989% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 1.9710% | 3,010 |
| Noncurrent loans to loans | 2.8441% | 2,298 |
| Net loans and leases to total assets | 64.7502% | 3,032 |
| Net loans and leases to deposits | 77.7558% | 2,880 |
| Net loans and leases to core deposits | 79.3332% | 3,529 |
| Total domestic deposits to total assets | 83.2738% | 4,633 |
| Equity capital to assets | 8.9850% | 5,566 |
| Core capital (leverage) ratio | 9.0878% | 4,639 |
| Tier 1 risk-based capital ratio | 10.5888% | 6,647 |
| Total risk-based capital ratio | 11.5714% | 6,736 |
| Memoranda: | ||
| Average total assets | $97,112,800 | 4,977 |
| Average earning assets | $93,235,400 | 4,827 |
| Average equity | $8,683,800 | 5,366 |
| Average total loans | $64,522,400 | 4,699 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5332% | 5,151 |
| Cost of funding earning assets | 0.8046% | 5,119 |
| Net interest margin | 3.7286% | 4,209 |
| Noninterest income to average assets | 0.4042% | 4,635 |
| Noninterest expense to average assets | 2.7780% | 4,423 |
| Loan and lease loss provision to assets | 0.2076% | 3,937 |
| Net operating income to assets | 0.8517% | 2,935 |
| Return on assets (ROA) | 0.8540% | 3,079 |
| Pretax return on assets | 1.0007% | 3,399 |
| Return on Equity (ROE) | 9.5626% | 2,360 |
| Retained earnings to average equity (ytd only) | 2.8983% | 4,622 |
| Net charge-offs to loans | 0.2554% | 3,835 |
| Credit loss provision to net charge-offs | 121.9512% | 2,656 |
| Earnings coverage of net charge-offs (x) | 7.0811% | 2,424 |
| Efficiency ratio | 69.7359% | 3,996 |
| Assets per employee ($millions) | 3.3847% | 5,283 |
| Cash dividends to net income (ytd only)* | 69.6918% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5370% | 3,927 |
| Loan loss allowance to noncurrent loans | 145.5505% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.8843% | 4,971 |
| Noncurrent loans to loans | 1.0560% | 4,796 |
| Net loans and leases to total assets | 62.9800% | 3,513 |
| Net loans and leases to deposits | 75.4670% | 3,417 |
| Net loans and leases to core deposits | 77.0203% | 4,044 |
| Total domestic deposits to total assets | 83.4537% | 4,501 |
| Equity capital to assets | 8.9695% | 5,789 |
| Core capital (leverage) ratio | 9.0140% | 4,903 |
| Tier 1 risk-based capital ratio | 10.8270% | 6,647 |
| Total risk-based capital ratio | 12.0161% | 6,660 |
| Memoranda: | ||
| Average total assets | $96,327,000 | 5,025 |
| Average earning assets | $92,471,000 | 4,883 |
| Average equity | $8,602,750 | 5,410 |
| Average total loans | $64,215,500 | 4,741 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6003% | 4,957 |
| Cost of funding earning assets | 0.8125% | 5,289 |
| Net interest margin | 3.7878% | 3,849 |
| Noninterest income to average assets | 0.3866% | 4,784 |
| Noninterest expense to average assets | 2.8229% | 4,337 |
| Loan and lease loss provision to assets | 0.2089% | 3,829 |
| Net operating income to assets | 0.8406% | 2,901 |
| Return on assets (ROA) | 0.8441% | 2,980 |
| Pretax return on assets | 0.9925% | 3,269 |
| Return on Equity (ROE) | 9.4662% | 2,319 |
| Retained earnings to average equity (ytd only) | -0.6092% | 5,986 |
| Net charge-offs to loans | 0.3648% | 3,095 |
| Credit loss provision to net charge-offs | 84.7458% | 3,626 |
| Earnings coverage of net charge-offs (x) | 4.8559% | 2,754 |
| Efficiency ratio | 70.2183% | 4,072 |
| Assets per employee ($millions) | 3.3241% | 5,378 |
| Cash dividends to net income (ytd only)* | 106.4356% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4782% | 4,230 |
| Loan loss allowance to noncurrent loans | 154.6218% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.8309% | 5,219 |
| Noncurrent loans to loans | 0.9560% | 5,076 |
| Net loans and leases to total assets | 63.6075% | 3,550 |
| Net loans and leases to deposits | 77.4371% | 3,229 |
| Net loans and leases to core deposits | 79.0779% | 3,917 |
| Total domestic deposits to total assets | 82.1409% | 5,120 |
| Equity capital to assets | 8.9109% | 5,698 |
| Core capital (leverage) ratio | 8.8958% | 4,889 |
| Tier 1 risk-based capital ratio | 10.7694% | 6,679 |
| Total risk-based capital ratio | 11.9251% | 6,709 |
| Memoranda: | ||
| Average total assets | $95,717,670 | 5,081 |
| Average earning assets | $91,820,670 | 4,942 |
| Average equity | $8,535,670 | 5,445 |
| Average total loans | $64,693,000 | 4,763 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5921% | 4,983 |
| Cost of funding earning assets | 0.8019% | 5,570 |
| Net interest margin | 3.7902% | 3,663 |
| Noninterest income to average assets | 0.3858% | 4,826 |
| Noninterest expense to average assets | 2.6925% | 4,864 |
| Loan and lease loss provision to assets | 0.2097% | 3,547 |
| Net operating income to assets | 0.9646% | 2,298 |
| Return on assets (ROA) | 0.9646% | 2,363 |
| Pretax return on assets | 1.1114% | 2,720 |
| Return on Equity (ROE) | 10.8127% | 1,801 |
| Retained earnings to average equity (ytd only) | -9.4024% | 6,838 |
| Net charge-offs to loans | 0.5279% | 2,172 |
| Credit loss provision to net charge-offs | 57.4713% | 3,590 |
| Earnings coverage of net charge-offs (x) | 3.6207% | 2,688 |
| Efficiency ratio | 67.0846% | 4,836 |
| Assets per employee ($millions) | 3.5615% | 4,849 |
| Cash dividends to net income (ytd only)* | 186.9565% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3654% | 4,828 |
| Loan loss allowance to noncurrent loans | 162.9295% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.9110% | 5,075 |
| Noncurrent loans to loans | 0.8380% | 5,363 |
| Net loans and leases to total assets | 67.6844% | 2,621 |
| Net loans and leases to deposits | 86.1655% | 1,705 |
| Net loans and leases to core deposits | 87.4541% | 2,677 |
| Total domestic deposits to total assets | 78.5516% | 6,283 |
| Equity capital to assets | 8.7416% | 5,591 |
| Core capital (leverage) ratio | 8.7149% | 5,062 |
| Tier 1 risk-based capital ratio | 10.3264% | 6,895 |
| Total risk-based capital ratio | 11.4340% | 6,937 |
| Memoranda: | ||
| Average total assets | $95,377,000 | 5,120 |
| Average earning assets | $91,287,500 | 4,997 |
| Average equity | $8,508,500 | 5,459 |
| Average total loans | $65,921,000 | 4,775 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2479% | 3,369 |
| Cost of funding earning assets | 0.9744% | 5,820 |
| Net interest margin | 4.2735% | 1,906 |
| Noninterest income to average assets | 0.5102% | 4,093 |
| Noninterest expense to average assets | 2.9684% | 3,968 |
| Loan and lease loss provision to assets | 0.3361% | 4,132 |
| Net operating income to assets | 1.0578% | 1,845 |
| Return on assets (ROA) | 1.0578% | 1,941 |
| Pretax return on assets | 1.2264% | 2,151 |
| Return on Equity (ROE) | 11.6976% | 1,391 |
| Retained earnings to average equity (ytd only) | 6.4581% | 1,578 |
| Net charge-offs to loans | 0.1563% | 5,411 |
| Credit loss provision to net charge-offs | 305.0000% | 872 |
| Earnings coverage of net charge-offs (x) | 14.1800% | 1,361 |
| Efficiency ratio | 65.5156% | 5,064 |
| Assets per employee ($millions) | 3.6382% | 4,610 |
| Cash dividends to net income (ytd only)* | 44.7917% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4243% | 4,402 |
| Loan loss allowance to noncurrent loans | 191.4286% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.8595% | 5,294 |
| Noncurrent loans to loans | 0.7441% | 5,557 |
| Net loans and leases to total assets | 68.6277% | 2,829 |
| Net loans and leases to deposits | 86.8827% | 1,958 |
| Net loans and leases to core deposits | 89.1215% | 2,876 |
| Total domestic deposits to total assets | 78.9889% | 6,082 |
| Equity capital to assets | 9.1032% | 4,986 |
| Core capital (leverage) ratio | 9.2760% | 4,051 |
| Tier 1 risk-based capital ratio | 10.6765% | 6,588 |
| Total risk-based capital ratio | 11.8412% | 6,613 |
| Memoranda: | ||
| Average total assets | $90,755,800 | 5,266 |
| Average earning assets | $85,385,800 | 5,168 |
| Average equity | $8,206,800 | 5,653 |
| Average total loans | $63,985,800 | 4,911 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2768% | 3,462 |
| Cost of funding earning assets | 1.0179% | 5,853 |
| Net interest margin | 4.2588% | 2,000 |
| Noninterest income to average assets | 0.5063% | 4,131 |
| Noninterest expense to average assets | 2.9444% | 3,937 |
| Loan and lease loss provision to assets | 0.3044% | 4,140 |
| Net operating income to assets | 1.0884% | 1,927 |
| Return on assets (ROA) | 1.0884% | 2,042 |
| Pretax return on assets | 1.2458% | 2,351 |
| Return on Equity (ROE) | 12.0570% | 1,485 |
| Retained earnings to average equity (ytd only) | 4.9840% | 3,002 |
| Net charge-offs to loans | 0.1616% | 5,028 |
| Credit loss provision to net charge-offs | 266.2338% | 1,234 |
| Earnings coverage of net charge-offs (x) | 13.5590% | 1,575 |
| Efficiency ratio | 65.5104% | 4,961 |
| Assets per employee ($millions) | 3.4575% | 5,087 |
| Cash dividends to net income (ytd only)* | 58.6631% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3385% | 4,761 |
| Loan loss allowance to noncurrent loans | 172.8916% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.9133% | 5,283 |
| Noncurrent loans to loans | 0.7742% | 5,665 |
| Net loans and leases to total assets | 70.5968% | 2,592 |
| Net loans and leases to deposits | 88.0379% | 2,004 |
| Net loans and leases to core deposits | 88.6590% | 3,291 |
| Total domestic deposits to total assets | 80.1891% | 5,641 |
| Equity capital to assets | 9.3353% | 5,075 |
| Core capital (leverage) ratio | 9.3530% | 4,129 |
| Tier 1 risk-based capital ratio | 10.9489% | 6,422 |
| Total risk-based capital ratio | 12.0750% | 6,503 |
| Memoranda: | ||
| Average total assets | $89,796,500 | 5,363 |
| Average earning assets | $84,089,750 | 5,265 |
| Average equity | $8,105,750 | 5,753 |
| Average total loans | $63,518,500 | 5,001 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1569% | 4,159 |
| Cost of funding earning assets | 1.0637% | 5,853 |
| Net interest margin | 4.0932% | 2,588 |
| Noninterest income to average assets | 0.5035% | 4,089 |
| Noninterest expense to average assets | 2.9544% | 3,876 |
| Loan and lease loss provision to assets | 0.3454% | 3,659 |
| Net operating income to assets | 0.8801% | 2,621 |
| Return on assets (ROA) | 0.8801% | 2,752 |
| Pretax return on assets | 1.0361% | 2,990 |
| Return on Equity (ROE) | 9.8623% | 2,151 |
| Retained earnings to average equity (ytd only) | -0.8739% | 5,945 |
| Net charge-offs to loans | 0.2498% | 4,094 |
| Credit loss provision to net charge-offs | 196.2025% | 2,012 |
| Earnings coverage of net charge-offs (x) | 7.8481% | 2,225 |
| Efficiency ratio | 68.1398% | 4,560 |
| Assets per employee ($millions) | 3.3034% | 5,422 |
| Cash dividends to net income (ytd only)* | 108.8608% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 5,038 |
| Loan loss allowance to noncurrent loans | 143.1858% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.9956% | 5,153 |
| Noncurrent loans to loans | 0.8936% | 5,484 |
| Net loans and leases to total assets | 69.9842% | 2,899 |
| Net loans and leases to deposits | 87.9751% | 2,169 |
| Net loans and leases to core deposits | 89.2506% | 3,379 |
| Total domestic deposits to total assets | 79.5500% | 5,874 |
| Equity capital to assets | 9.0321% | 5,397 |
| Core capital (leverage) ratio | 9.1472% | 4,377 |
| Tier 1 risk-based capital ratio | 11.0330% | 6,205 |
| Total risk-based capital ratio | 12.1438% | 6,341 |
| Memoranda: | ||
| Average total assets | $89,763,670 | 5,403 |
| Average earning assets | $84,042,330 | 5,297 |
| Average equity | $8,010,330 | 5,798 |
| Average total loans | $63,250,000 | 5,044 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1394% | 4,347 |
| Cost of funding earning assets | 1.1394% | 5,709 |
| Net interest margin | 4.0000% | 2,874 |
| Noninterest income to average assets | 0.5597% | 3,566 |
| Noninterest expense to average assets | 2.8429% | 4,310 |
| Loan and lease loss provision to assets | 0.3776% | 3,104 |
| Net operating income to assets | 0.9106% | 2,504 |
| Return on assets (ROA) | 0.9106% | 2,572 |
| Pretax return on assets | 1.0661% | 2,857 |
| Return on Equity (ROE) | 10.2660% | 2,014 |
| Retained earnings to average equity (ytd only) | -11.2676% | 7,028 |
| Net charge-offs to loans | 0.0948% | 4,464 |
| Credit loss provision to net charge-offs | 566.6667% | 765 |
| Earnings coverage of net charge-offs (x) | 21.6667% | 1,117 |
| Efficiency ratio | 66.3212% | 5,047 |
| Assets per employee ($millions) | 3.3670% | 5,379 |
| Cash dividends to net income (ytd only)* | 209.7561% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2649% | 5,125 |
| Loan loss allowance to noncurrent loans | 123.1595% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 1.1137% | 4,924 |
| Noncurrent loans to loans | 1.0271% | 5,278 |
| Net loans and leases to total assets | 71.5980% | 2,548 |
| Net loans and leases to deposits | 91.1151% | 1,742 |
| Net loans and leases to core deposits | 92.1330% | 3,090 |
| Total domestic deposits to total assets | 78.5797% | 6,178 |
| Equity capital to assets | 8.9887% | 5,295 |
| Core capital (leverage) ratio | 8.6495% | 5,115 |
| Tier 1 risk-based capital ratio | 10.7391% | 6,399 |
| Total risk-based capital ratio | 11.8383% | 6,546 |
| Memoranda: | ||
| Average total assets | $90,049,000 | 5,452 |
| Average earning assets | $83,901,000 | 5,364 |
| Average equity | $7,987,500 | 5,851 |
| Average total loans | $63,260,000 | 5,126 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4479% | 4,446 |
| Cost of funding earning assets | 1.4929% | 5,539 |
| Net interest margin | 3.9550% | 3,056 |
| Noninterest income to average assets | 0.5088% | 4,351 |
| Noninterest expense to average assets | 2.8308% | 4,829 |
| Loan and lease loss provision to assets | 0.3682% | 4,583 |
| Net operating income to assets | 0.7599% | 2,680 |
| Return on assets (ROA) | 0.7599% | 2,774 |
| Pretax return on assets | 1.0343% | 2,481 |
| Return on Equity (ROE) | 8.5721% | 2,173 |
| Retained earnings to average equity (ytd only) | 3.1595% | 2,946 |
| Net charge-offs to loans | 0.4146% | 4,152 |
| Credit loss provision to net charge-offs | 127.4131% | 4,066 |
| Earnings coverage of net charge-offs (x) | 4.8533% | 2,783 |
| Efficiency ratio | 66.8687% | 5,214 |
| Assets per employee ($millions) | 3.8565% | 4,128 |
| Cash dividends to net income (ytd only)* | 63.1424% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 5,571 |
| Loan loss allowance to noncurrent loans | 157.2961% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.8903% | 5,322 |
| Noncurrent loans to loans | 0.7392% | 5,777 |
| Net loans and leases to total assets | 67.3167% | 3,857 |
| Net loans and leases to deposits | 87.7919% | 2,596 |
| Net loans and leases to core deposits | 99.2576% | 4,083 |
| Total domestic deposits to total assets | 76.6777% | 6,556 |
| Equity capital to assets | 8.7580% | 5,506 |
| Core capital (leverage) ratio | 8.8299% | 4,720 |
| Tier 1 risk-based capital ratio | 11.0677% | 5,856 |
| Total risk-based capital ratio | 12.0730% | 6,060 |
| Memoranda: | ||
| Average total assets | $89,622,000 | 5,402 |
| Average earning assets | $84,399,000 | 5,321 |
| Average equity | $7,944,400 | 5,942 |
| Average total loans | $62,468,600 | 5,151 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5111% | 4,360 |
| Cost of funding earning assets | 1.5701% | 5,542 |
| Net interest margin | 3.9410% | 3,081 |
| Noninterest income to average assets | 0.5100% | 4,405 |
| Noninterest expense to average assets | 2.9204% | 4,364 |
| Loan and lease loss provision to assets | 0.3075% | 4,513 |
| Net operating income to assets | 0.8385% | 2,661 |
| Return on assets (ROA) | 0.8385% | 2,726 |
| Pretax return on assets | 1.0095% | 2,874 |
| Return on Equity (ROE) | 9.4295% | 2,118 |
| Retained earnings to average equity (ytd only) | 2.1761% | 4,109 |
| Net charge-offs to loans | 0.5262% | 3,105 |
| Credit loss provision to net charge-offs | 83.3333% | 5,666 |
| Earnings coverage of net charge-offs (x) | 3.5691% | 3,476 |
| Efficiency ratio | 68.9204% | 4,804 |
| Assets per employee ($millions) | 3.7032% | 4,417 |
| Cash dividends to net income (ytd only)* | 76.9237% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9841% | 6,385 |
| Loan loss allowance to noncurrent loans | 109.3310% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 1.0419% | 4,995 |
| Noncurrent loans to loans | 0.9001% | 5,482 |
| Net loans and leases to total assets | 70.3036% | 3,438 |
| Net loans and leases to deposits | 93.8944% | 1,897 |
| Net loans and leases to core deposits | 108.7550% | 3,377 |
| Total domestic deposits to total assets | 74.8751% | 6,794 |
| Equity capital to assets | 9.0148% | 5,459 |
| Core capital (leverage) ratio | 8.9471% | 4,734 |
| Tier 1 risk-based capital ratio | 11.1078% | 5,846 |
| Total risk-based capital ratio | 11.9758% | 6,193 |
| Memoranda: | ||
| Average total assets | $88,888,750 | 5,458 |
| Average earning assets | $84,071,000 | 5,372 |
| Average equity | $7,904,000 | 6,017 |
| Average total loans | $62,326,250 | 5,196 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5613% | 4,276 |
| Cost of funding earning assets | 1.6400% | 5,558 |
| Net interest margin | 3.9213% | 3,014 |
| Noninterest income to average assets | 0.5062% | 4,394 |
| Noninterest expense to average assets | 2.8551% | 4,708 |
| Loan and lease loss provision to assets | 0.1912% | 5,131 |
| Net operating income to assets | 0.9900% | 2,143 |
| Return on assets (ROA) | 0.9900% | 2,242 |
| Pretax return on assets | 1.1609% | 2,424 |
| Return on Equity (ROE) | 11.1845% | 1,652 |
| Retained earnings to average equity (ytd only) | 0.2542% | 5,112 |
| Net charge-offs to loans | 0.7959% | 2,090 |
| Credit loss provision to net charge-offs | 34.4130% | 5,974 |
| Earnings coverage of net charge-offs (x) | 2.4332% | 3,852 |
| Efficiency ratio | 67.8610% | 5,175 |
| Assets per employee ($millions) | 3.5890% | 4,602 |
| Cash dividends to net income (ytd only)* | 97.7273% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8052% | 7,141 |
| Loan loss allowance to noncurrent loans | 85.9107% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 1.0477% | 4,874 |
| Noncurrent loans to loans | 0.9372% | 5,348 |
| Net loans and leases to total assets | 68.6550% | 4,033 |
| Net loans and leases to deposits | 90.4300% | 2,760 |
| Net loans and leases to core deposits | 104.4723% | 4,009 |
| Total domestic deposits to total assets | 75.9206% | 6,571 |
| Equity capital to assets | 8.8115% | 5,580 |
| Core capital (leverage) ratio | 8.7225% | 5,056 |
| Tier 1 risk-based capital ratio | 11.1080% | 5,764 |
| Total risk-based capital ratio | 11.8175% | 6,263 |
| Memoranda: | ||
| Average total assets | $88,893,000 | 5,500 |
| Average earning assets | $83,900,670 | 5,417 |
| Average equity | $7,868,000 | 6,067 |
| Average total loans | $62,067,000 | 5,253 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6046% | 4,327 |
| Cost of funding earning assets | 1.6862% | 5,657 |
| Net interest margin | 3.9184% | 2,978 |
| Noninterest income to average assets | 0.4883% | 4,421 |
| Noninterest expense to average assets | 2.7758% | 4,673 |
| Loan and lease loss provision to assets | 0.0904% | 5,805 |
| Net operating income to assets | 1.1483% | 1,809 |
| Return on assets (ROA) | 1.1483% | 1,933 |
| Pretax return on assets | 1.3201% | 2,212 |
| Return on Equity (ROE) | 12.9443% | 1,405 |
| Retained earnings to average equity (ytd only) | -8.9693% | 7,011 |
| Net charge-offs to loans | -0.6511% | 8,131 |
| Credit loss provision to net charge-offs | -19.8020% | 6,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3067% | 5,267 |
| Assets per employee ($millions) | 3.5273% | 4,755 |
| Cash dividends to net income (ytd only)* | 169.2913% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 4,349 |
| Loan loss allowance to noncurrent loans | 67.0377% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 1.4447% | 3,764 |
| Noncurrent loans to loans | 1.8780% | 3,446 |
| Net loans and leases to total assets | 69.6423% | 3,769 |
| Net loans and leases to deposits | 92.1978% | 2,558 |
| Net loans and leases to core deposits | 106.1243% | 3,893 |
| Total domestic deposits to total assets | 75.5358% | 6,595 |
| Equity capital to assets | 8.7728% | 5,662 |
| Core capital (leverage) ratio | 8.6712% | 5,208 |
| Tier 1 risk-based capital ratio | 11.1486% | 5,763 |
| Total risk-based capital ratio | 12.2908% | 5,776 |
| Memoranda: | ||
| Average total assets | $88,477,500 | 5,543 |
| Average earning assets | $83,502,500 | 5,442 |
| Average equity | $7,849,000 | 6,108 |
| Average total loans | $62,050,500 | 5,286 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1685% | 4,676 |
| Cost of funding earning assets | 2.6574% | 3,383 |
| Net interest margin | 3.5112% | 5,261 |
| Noninterest income to average assets | 0.4840% | 4,763 |
| Noninterest expense to average assets | 2.6302% | 5,536 |
| Loan and lease loss provision to assets | 0.4325% | 3,129 |
| Net operating income to assets | 0.5968% | 4,313 |
| Return on assets (ROA) | 0.5968% | 4,183 |
| Pretax return on assets | 0.7085% | 4,368 |
| Return on Equity (ROE) | 7.0508% | 3,505 |
| Retained earnings to average equity (ytd only) | 1.2290% | 4,485 |
| Net charge-offs to loans | 0.6196% | 1,984 |
| Credit loss provision to net charge-offs | 101.0230% | 5,257 |
| Earnings coverage of net charge-offs (x) | 2.6650% | 4,750 |
| Efficiency ratio | 69.7445% | 4,396 |
| Assets per employee ($millions) | 3.5509% | 4,541 |
| Cash dividends to net income (ytd only)* | 82.5688% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 5,477 |
| Loan loss allowance to noncurrent loans | 77.2727% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 1.0859% | 4,119 |
| Noncurrent loans to loans | 1.3860% | 3,745 |
| Net loans and leases to total assets | 68.9883% | 4,257 |
| Net loans and leases to deposits | 90.9230% | 3,299 |
| Net loans and leases to core deposits | 108.3717% | 3,928 |
| Total domestic deposits to total assets | 75.8755% | 6,277 |
| Equity capital to assets | 8.9689% | 5,408 |
| Core capital (leverage) ratio | 8.7741% | 5,076 |
| Tier 1 risk-based capital ratio | 11.8181% | 4,970 |
| Total risk-based capital ratio | 12.8203% | 5,068 |
| Memoranda: | ||
| Average total assets | $91,322,600 | 5,308 |
| Average earning assets | $85,498,600 | 5,245 |
| Average equity | $7,729,600 | 6,196 |
| Average total loans | $63,100,200 | 5,138 |