Home > Crews Bank & Trust > Performance and Condition Ratios
Crews Bank & Trust, Performance and Condition Ratios
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1647% | 3,368 |
| Cost of funding earning assets | 0.3536% | 4,236 |
| Net interest margin | 3.8111% | 1,602 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.4695% | 2,292 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7908% | 671 |
| Return on assets (ROA) | 1.7908% | 667 |
| Pretax return on assets | 1.7908% | 1,029 |
| Return on Equity (ROE) | 22.0100% | 539 |
| Retained earnings to average equity (ytd only) | 7.8805% | 2,001 |
| Net charge-offs to loans | 0.0065% | 2,004 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 649.6667% | 224 |
| Efficiency ratio | 57.9413% | 3,199 |
| Assets per employee ($millions) | 9.7169% | 727 |
| Cash dividends to net income (ytd only)* | 64.2013% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7318% | 166 |
| Loan loss allowance to noncurrent loans | 15,706.2500% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 3,778 |
| Noncurrent loans to loans | 0.0174% | 3,638 |
| Net loans and leases to total assets | 43.8500% | 3,882 |
| Net loans and leases to deposits | 48.4128% | 3,973 |
| Net loans and leases to core deposits | 49.0675% | 4,046 |
| Total domestic deposits to total assets | 90.5800% | 759 |
| Equity capital to assets | 8.6952% | 2,720 |
| Core capital (leverage) ratio | 9.1435% | 3,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2367% | 612 |
| Memoranda: | ||
| Average total assets | $217,449,000 | 2,882 |
| Average earning assets | $210,961,333 | 2,820 |
| Average equity | $17,689,333 | 3,048 |
| Average total loans | $92,493,667 | 3,260 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8980% | 3,675 |
| Cost of funding earning assets | 0.0496% | 4,578 |
| Net interest margin | 3.8484% | 1,582 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.3627% | 2,629 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.9095% | 562 |
| Return on assets (ROA) | 1.9095% | 557 |
| Pretax return on assets | 1.9095% | 900 |
| Return on Equity (ROE) | 24.2300% | 444 |
| Retained earnings to average equity (ytd only) | 24.2321% | 203 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.2127% | 3,485 |
| Assets per employee ($millions) | 9.2567% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6529% | 190 |
| Loan loss allowance to noncurrent loans | 13,242.1053% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 3,790 |
| Noncurrent loans to loans | 0.0200% | 3,635 |
| Net loans and leases to total assets | 41.5600% | 3,971 |
| Net loans and leases to deposits | 45.4286% | 4,056 |
| Net loans and leases to core deposits | 46.0712% | 4,108 |
| Total domestic deposits to total assets | 91.4800% | 651 |
| Equity capital to assets | 8.2490% | 3,078 |
| Core capital (leverage) ratio | 8.8261% | 3,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1024% | 648 |
| Memoranda: | ||
| Average total assets | $224,146,500 | 2,883 |
| Average earning assets | $217,545,000 | 2,811 |
| Average equity | $17,662,500 | 3,069 |
| Average total loans | $92,745,000 | 3,295 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0078% | 4,123 |
| Cost of funding earning assets | 0.0571% | 4,559 |
| Net interest margin | 2.9507% | 3,569 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 2.3086% | 2,703 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0646% | 2,322 |
| Return on assets (ROA) | 1.0646% | 2,265 |
| Pretax return on assets | 1.0646% | 2,880 |
| Return on Equity (ROE) | 13.3800% | 1,686 |
| Retained earnings to average equity (ytd only) | 2.1029% | 3,952 |
| Net charge-offs to loans | 0.0023% | 2,440 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 1,186.5000% | 152 |
| Efficiency ratio | 68.4400% | 1,907 |
| Assets per employee ($millions) | 9.8318% | 716 |
| Cash dividends to net income (ytd only)* | 84.2815% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7755% | 156 |
| Loan loss allowance to noncurrent loans | 10,483.3333% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 3,781 |
| Noncurrent loans to loans | 0.0265% | 3,601 |
| Net loans and leases to total assets | 38.9700% | 4,100 |
| Net loans and leases to deposits | 42.2762% | 4,166 |
| Net loans and leases to core deposits | 42.8590% | 4,210 |
| Total domestic deposits to total assets | 92.1900% | 589 |
| Equity capital to assets | 7.5173% | 3,376 |
| Core capital (leverage) ratio | 8.4588% | 4,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7167% | 650 |
| Memoranda: | ||
| Average total assets | $222,903,800 | 2,887 |
| Average earning assets | $215,404,000 | 2,826 |
| Average equity | $17,737,000 | 3,147 |
| Average total loans | $87,006,800 | 3,316 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8140% | 4,180 |
| Cost of funding earning assets | 0.0591% | 4,536 |
| Net interest margin | 2.7549% | 3,825 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.2878% | 2,662 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8915% | 2,900 |
| Return on assets (ROA) | 0.8915% | 2,882 |
| Pretax return on assets | 0.8915% | 3,343 |
| Return on Equity (ROE) | 11.0500% | 2,362 |
| Retained earnings to average equity (ytd only) | 11.0479% | 1,042 |
| Net charge-offs to loans | 0.0108% | 1,709 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 212.1429% | 602 |
| Efficiency ratio | 71.9600% | 1,515 |
| Assets per employee ($millions) | 9.5374% | 751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8020% | 159 |
| Loan loss allowance to noncurrent loans | 5,978.5714% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 3,743 |
| Noncurrent loans to loans | 0.0469% | 3,544 |
| Net loans and leases to total assets | 41.5100% | 4,002 |
| Net loans and leases to deposits | 45.5674% | 4,046 |
| Net loans and leases to core deposits | 46.3405% | 4,090 |
| Total domestic deposits to total assets | 91.1000% | 1,202 |
| Equity capital to assets | 8.5277% | 2,526 |
| Core capital (leverage) ratio | 9.0701% | 3,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0056% | 565 |
| Memoranda: | ||
| Average total assets | $222,096,750 | 2,907 |
| Average earning assets | $214,305,750 | 2,855 |
| Average equity | $17,921,500 | 3,166 |
| Average total loans | $86,096,000 | 3,341 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6203% | 4,255 |
| Cost of funding earning assets | 0.0558% | 4,561 |
| Net interest margin | 2.5645% | 3,969 |
| Noninterest income to average assets | 0.5084% | 2,154 |
| Noninterest expense to average assets | 2.2618% | 2,662 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7242% | 3,229 |
| Return on assets (ROA) | 0.7242% | 3,180 |
| Pretax return on assets | 0.7242% | 3,522 |
| Return on Equity (ROE) | 9.1350% | 2,656 |
| Retained earnings to average equity (ytd only) | 9.1350% | 1,247 |
| Net charge-offs to loans | 0.0047% | 1,849 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 409.5000% | 309 |
| Efficiency ratio | 75.7477% | 1,313 |
| Assets per employee ($millions) | 10.0515% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8600% | 165 |
| Loan loss allowance to noncurrent loans | 3,594.2857% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 3,661 |
| Noncurrent loans to loans | 0.0796% | 3,383 |
| Net loans and leases to total assets | 38.6446% | 4,140 |
| Net loans and leases to deposits | 42.1466% | 4,187 |
| Net loans and leases to core deposits | 42.8198% | 4,237 |
| Total domestic deposits to total assets | 91.6910% | 968 |
| Equity capital to assets | 8.0119% | 3,118 |
| Core capital (leverage) ratio | 8.4082% | 4,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1458% | 616 |
| Memoranda: | ||
| Average total assets | $226,188,333 | 2,909 |
| Average earning assets | $218,522,000 | 2,862 |
| Average equity | $17,931,000 | 3,242 |
| Average total loans | $84,923,000 | 3,394 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4746% | 4,300 |
| Cost of funding earning assets | 0.0615% | 4,517 |
| Net interest margin | 2.4130% | 4,047 |
| Noninterest income to average assets | 0.5002% | 2,138 |
| Noninterest expense to average assets | 2.2858% | 2,553 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5457% | 3,577 |
| Return on assets (ROA) | 0.5457% | 3,549 |
| Pretax return on assets | 0.5457% | 3,768 |
| Return on Equity (ROE) | 6.9187% | 3,061 |
| Retained earnings to average equity (ytd only) | 6.9187% | 1,914 |
| Net charge-offs to loans | -0.0192% | 3,890 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7288% | 1,091 |
| Assets per employee ($millions) | 14.5739% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0243% | 157 |
| Loan loss allowance to noncurrent loans | 604.7962% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 2,551 |
| Noncurrent loans to loans | 0.5001% | 1,775 |
| Net loans and leases to total assets | 34.6805% | 4,275 |
| Net loans and leases to deposits | 37.6429% | 4,334 |
| Net loans and leases to core deposits | 38.2117% | 4,367 |
| Total domestic deposits to total assets | 92.1302% | 528 |
| Equity capital to assets | 7.6099% | 3,849 |
| Core capital (leverage) ratio | 8.2509% | 4,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6136% | 591 |
| Memoranda: | ||
| Average total assets | $228,716,000 | 2,906 |
| Average earning assets | $220,968,500 | 2,859 |
| Average equity | $18,038,000 | 3,323 |
| Average total loans | $83,398,500 | 3,411 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6708% | 4,341 |
| Cost of funding earning assets | 0.1106% | 4,303 |
| Net interest margin | 2.5602% | 4,109 |
| Noninterest income to average assets | 0.6114% | 2,108 |
| Noninterest expense to average assets | 2.5022% | 2,176 |
| Loan and lease loss provision to assets | -0.0715% | 4,448 |
| Net operating income to assets | 0.6459% | 3,760 |
| Return on assets (ROA) | 0.6464% | 3,815 |
| Pretax return on assets | 0.6464% | 4,043 |
| Return on Equity (ROE) | 7.1755% | 3,470 |
| Retained earnings to average equity (ytd only) | -0.2823% | 4,528 |
| Net charge-offs to loans | 0.0624% | 1,158 |
| Credit loss provision to net charge-offs | -275.9259% | 3,591 |
| Earnings coverage of net charge-offs (x) | 22.1667% | 1,804 |
| Efficiency ratio | 81.3290% | 731 |
| Assets per employee ($millions) | 10.6785% | 553 |
| Cash dividends to net income (ytd only)* | 103.9347% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0190% | 144 |
| Loan loss allowance to noncurrent loans | 541.5054% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.2074% | 2,526 |
| Noncurrent loans to loans | 0.5575% | 1,732 |
| Net loans and leases to total assets | 36.0706% | 4,284 |
| Net loans and leases to deposits | 39.4016% | 4,356 |
| Net loans and leases to core deposits | 40.2138% | 4,384 |
| Total domestic deposits to total assets | 91.5460% | 303 |
| Equity capital to assets | 8.1744% | 4,254 |
| Core capital (leverage) ratio | 8.6455% | 3,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,377,000 | 3,001 |
| Average earning assets | $200,651,800 | 2,946 |
| Average equity | $18,772,200 | 3,318 |
| Average total loans | $86,470,200 | 3,385 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8515% | 4,234 |
| Cost of funding earning assets | 0.1275% | 4,281 |
| Net interest margin | 2.7241% | 3,926 |
| Noninterest income to average assets | 0.6288% | 2,103 |
| Noninterest expense to average assets | 2.4878% | 2,157 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7619% | 3,621 |
| Return on assets (ROA) | 0.7625% | 3,680 |
| Pretax return on assets | 0.7625% | 3,953 |
| Return on Equity (ROE) | 8.2544% | 3,331 |
| Retained earnings to average equity (ytd only) | 4.7238% | 3,322 |
| Net charge-offs to loans | -0.0031% | 3,308 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5556% | 997 |
| Assets per employee ($millions) | 8.9790% | 899 |
| Cash dividends to net income (ytd only)* | 42.7716% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1659% | 134 |
| Loan loss allowance to noncurrent loans | 216.4547% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.6092% | 1,254 |
| Noncurrent loans to loans | 1.4626% | 723 |
| Net loans and leases to total assets | 40.3289% | 4,191 |
| Net loans and leases to deposits | 44.6370% | 4,288 |
| Net loans and leases to core deposits | 45.2900% | 4,343 |
| Total domestic deposits to total assets | 90.3485% | 620 |
| Equity capital to assets | 9.3310% | 3,528 |
| Core capital (leverage) ratio | 9.0146% | 3,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $204,409,000 | 3,067 |
| Average earning assets | $196,663,000 | 3,017 |
| Average equity | $18,882,500 | 3,351 |
| Average total loans | $87,236,250 | 3,419 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8768% | 4,254 |
| Cost of funding earning assets | 0.1552% | 4,167 |
| Net interest margin | 2.7216% | 3,938 |
| Noninterest income to average assets | 0.6549% | 1,989 |
| Noninterest expense to average assets | 2.4859% | 2,193 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7854% | 3,554 |
| Return on assets (ROA) | 0.7854% | 3,620 |
| Pretax return on assets | 0.7854% | 3,899 |
| Return on Equity (ROE) | 8.5318% | 3,254 |
| Retained earnings to average equity (ytd only) | 3.1994% | 3,777 |
| Net charge-offs to loans | -0.0114% | 3,719 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9904% | 1,085 |
| Assets per employee ($millions) | 8.0742% | 1,174 |
| Cash dividends to net income (ytd only)* | 62.5000% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2068% | 125 |
| Loan loss allowance to noncurrent loans | 213.8039% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.6073% | 1,376 |
| Noncurrent loans to loans | 1.4999% | 755 |
| Net loans and leases to total assets | 39.1950% | 4,323 |
| Net loans and leases to deposits | 43.2271% | 4,412 |
| Net loans and leases to core deposits | 44.0317% | 4,454 |
| Total domestic deposits to total assets | 90.6721% | 486 |
| Equity capital to assets | 9.0263% | 3,769 |
| Core capital (leverage) ratio | 8.7785% | 3,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,706,333 | 3,067 |
| Average earning assets | $195,839,667 | 3,017 |
| Average equity | $18,753,333 | 3,358 |
| Average total loans | $87,645,333 | 3,431 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0013% | 4,083 |
| Cost of funding earning assets | 0.1745% | 4,125 |
| Net interest margin | 2.8268% | 3,695 |
| Noninterest income to average assets | 0.7617% | 1,682 |
| Noninterest expense to average assets | 2.6322% | 1,793 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8435% | 3,292 |
| Return on assets (ROA) | 0.8435% | 3,371 |
| Pretax return on assets | 0.8435% | 3,735 |
| Return on Equity (ROE) | 9.0697% | 3,010 |
| Retained earnings to average equity (ytd only) | -1.6510% | 4,519 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7315% | 1,161 |
| Assets per employee ($millions) | 9.3248% | 744 |
| Cash dividends to net income (ytd only)* | 118.2033% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0801% | 134 |
| Loan loss allowance to noncurrent loans | 210.9302% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.6015% | 1,588 |
| Noncurrent loans to loans | 1.4602% | 860 |
| Net loans and leases to total assets | 39.9221% | 4,352 |
| Net loans and leases to deposits | 43.8349% | 4,425 |
| Net loans and leases to core deposits | 44.9060% | 4,475 |
| Total domestic deposits to total assets | 91.0738% | 376 |
| Equity capital to assets | 8.6119% | 4,038 |
| Core capital (leverage) ratio | 9.3771% | 3,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,594,500 | 3,086 |
| Average earning assets | $192,583,500 | 3,035 |
| Average equity | $18,655,500 | 3,359 |
| Average total loans | $88,964,000 | 3,426 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4506% | 4,121 |
| Cost of funding earning assets | 0.2899% | 4,200 |
| Net interest margin | 3.1606% | 3,464 |
| Noninterest income to average assets | 0.7108% | 1,830 |
| Noninterest expense to average assets | 2.8948% | 1,701 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8369% | 2,952 |
| Return on assets (ROA) | 0.8763% | 2,938 |
| Pretax return on assets | 0.8763% | 3,436 |
| Return on Equity (ROE) | 8.2618% | 2,707 |
| Retained earnings to average equity (ytd only) | -3.3037% | 4,782 |
| Net charge-offs to loans | 0.0165% | 2,765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 107.6429% | 748 |
| Efficiency ratio | 77.5744% | 1,072 |
| Assets per employee ($millions) | 7.4688% | 1,301 |
| Cash dividends to net income (ytd only)* | 139.9873% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0373% | 139 |
| Loan loss allowance to noncurrent loans | 244.2549% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.7648% | 1,343 |
| Noncurrent loans to loans | 1.2435% | 1,107 |
| Net loans and leases to total assets | 46.5218% | 4,096 |
| Net loans and leases to deposits | 51.9226% | 4,217 |
| Net loans and leases to core deposits | 54.5340% | 4,235 |
| Total domestic deposits to total assets | 89.5983% | 729 |
| Equity capital to assets | 10.0906% | 3,046 |
| Core capital (leverage) ratio | 10.0805% | 2,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,079,200 | 3,101 |
| Average earning assets | $172,116,800 | 3,050 |
| Average equity | $19,100,000 | 3,271 |
| Average total loans | $84,671,000 | 3,487 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4725% | 4,253 |
| Cost of funding earning assets | 0.3151% | 4,248 |
| Net interest margin | 3.1574% | 3,604 |
| Noninterest income to average assets | 0.7533% | 1,639 |
| Noninterest expense to average assets | 2.9832% | 1,478 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7876% | 3,141 |
| Return on assets (ROA) | 0.8407% | 3,075 |
| Pretax return on assets | 0.8407% | 3,544 |
| Return on Equity (ROE) | 7.8267% | 2,870 |
| Retained earnings to average equity (ytd only) | -6.1500% | 4,872 |
| Net charge-offs to loans | 0.0208% | 2,440 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 81.0769% | 917 |
| Efficiency ratio | 79.1122% | 931 |
| Assets per employee ($millions) | 6.0857% | 2,191 |
| Cash dividends to net income (ytd only)* | 178.5778% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0457% | 131 |
| Loan loss allowance to noncurrent loans | 148.3379% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 1.0051% | 1,103 |
| Noncurrent loans to loans | 2.0532% | 590 |
| Net loans and leases to total assets | 47.4613% | 4,241 |
| Net loans and leases to deposits | 53.0430% | 4,372 |
| Net loans and leases to core deposits | 55.7711% | 4,387 |
| Total domestic deposits to total assets | 89.4770% | 587 |
| Equity capital to assets | 10.2020% | 3,066 |
| Core capital (leverage) ratio | 9.7332% | 2,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,419,250 | 3,104 |
| Average earning assets | $170,515,500 | 3,058 |
| Average equity | $19,164,750 | 3,261 |
| Average total loans | $83,442,250 | 3,523 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5413% | 4,361 |
| Cost of funding earning assets | 0.3396% | 4,313 |
| Net interest margin | 3.2017% | 3,666 |
| Noninterest income to average assets | 0.8394% | 1,318 |
| Noninterest expense to average assets | 3.1079% | 1,340 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7885% | 3,074 |
| Return on assets (ROA) | 0.8665% | 2,935 |
| Pretax return on assets | 0.8665% | 3,410 |
| Return on Equity (ROE) | 7.9300% | 2,774 |
| Retained earnings to average equity (ytd only) | -2.4090% | 4,617 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7622% | 909 |
| Assets per employee ($millions) | 5.9071% | 2,265 |
| Cash dividends to net income (ytd only)* | 130.3781% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1612% | 120 |
| Loan loss allowance to noncurrent loans | 183.8038% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.7872% | 1,580 |
| Noncurrent loans to loans | 1.7199% | 836 |
| Net loans and leases to total assets | 44.3238% | 4,437 |
| Net loans and leases to deposits | 49.5312% | 4,548 |
| Net loans and leases to core deposits | 52.0158% | 4,568 |
| Total domestic deposits to total assets | 89.4867% | 575 |
| Equity capital to assets | 10.1890% | 3,031 |
| Core capital (leverage) ratio | 10.0636% | 2,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,035,000 | 3,099 |
| Average earning assets | $169,035,000 | 3,052 |
| Average equity | $19,344,333 | 3,236 |
| Average total loans | $81,465,333 | 3,552 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8810% | 4,076 |
| Cost of funding earning assets | 0.3778% | 4,434 |
| Net interest margin | 3.5032% | 2,970 |
| Noninterest income to average assets | 0.5285% | 2,394 |
| Noninterest expense to average assets | 3.3536% | 1,139 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5145% | 3,858 |
| Return on assets (ROA) | 0.6759% | 3,417 |
| Pretax return on assets | 0.6759% | 3,755 |
| Return on Equity (ROE) | 5.9629% | 3,332 |
| Retained earnings to average equity (ytd only) | 5.9629% | 1,890 |
| Net charge-offs to loans | 0.0051% | 2,394 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 220.0000% | 318 |
| Efficiency ratio | 86.6989% | 656 |
| Assets per employee ($millions) | 4.9196% | 2,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4502% | 101 |
| Loan loss allowance to noncurrent loans | 187.2603% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.8244% | 1,634 |
| Noncurrent loans to loans | 1.8425% | 808 |
| Net loans and leases to total assets | 43.1995% | 4,538 |
| Net loans and leases to deposits | 48.7679% | 4,636 |
| Net loans and leases to core deposits | 51.3215% | 4,646 |
| Total domestic deposits to total assets | 88.5819% | 846 |
| Equity capital to assets | 11.0828% | 2,789 |
| Core capital (leverage) ratio | 11.3496% | 2,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,039,000 | 3,126 |
| Average earning assets | $163,051,500 | 3,080 |
| Average equity | $19,386,500 | 3,224 |
| Average total loans | $78,938,500 | 3,599 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2852% | 3,576 |
| Cost of funding earning assets | 0.3356% | 4,641 |
| Net interest margin | 3.9496% | 2,001 |
| Noninterest income to average assets | 0.6838% | 1,871 |
| Noninterest expense to average assets | 3.4323% | 1,055 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9850% | 2,896 |
| Return on assets (ROA) | 0.9850% | 2,978 |
| Pretax return on assets | 0.9850% | 3,498 |
| Return on Equity (ROE) | 8.4063% | 2,983 |
| Retained earnings to average equity (ytd only) | 8.4063% | 851 |
| Net charge-offs to loans | 0.1311% | 1,457 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 14.6381% | 2,275 |
| Efficiency ratio | 77.7020% | 1,183 |
| Assets per employee ($millions) | 4.8522% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4781% | 88 |
| Loan loss allowance to noncurrent loans | 181.7276% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.9123% | 1,394 |
| Noncurrent loans to loans | 1.9139% | 684 |
| Net loans and leases to total assets | 46.0072% | 4,522 |
| Net loans and leases to deposits | 52.2465% | 4,601 |
| Net loans and leases to core deposits | 55.3243% | 4,615 |
| Total domestic deposits to total assets | 88.0581% | 1,105 |
| Equity capital to assets | 11.6049% | 2,426 |
| Core capital (leverage) ratio | 12.2916% | 1,600 |
| Tier 1 risk-based capital ratio | 23.8552% | 843 |
| Total risk-based capital ratio | 25.1312% | 825 |
| Memoranda: | ||
| Average total assets | $156,045,800 | 3,231 |
| Average earning assets | $147,508,800 | 3,197 |
| Average equity | $18,283,800 | 3,311 |
| Average total loans | $80,109,400 | 3,602 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4094% | 3,324 |
| Cost of funding earning assets | 0.3179% | 4,754 |
| Net interest margin | 4.0915% | 1,635 |
| Noninterest income to average assets | 0.6909% | 1,821 |
| Noninterest expense to average assets | 3.5306% | 914 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0203% | 2,907 |
| Return on assets (ROA) | 1.0203% | 2,983 |
| Pretax return on assets | 1.0203% | 3,525 |
| Return on Equity (ROE) | 8.6852% | 3,015 |
| Retained earnings to average equity (ytd only) | 8.6852% | 1,137 |
| Net charge-offs to loans | 0.1458% | 1,111 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 13.3750% | 2,300 |
| Efficiency ratio | 77.5810% | 1,144 |
| Assets per employee ($millions) | 4.5550% | 3,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4516% | 91 |
| Loan loss allowance to noncurrent loans | 175.7344% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 1.0112% | 1,317 |
| Noncurrent loans to loans | 1.9641% | 690 |
| Net loans and leases to total assets | 49.7046% | 4,444 |
| Net loans and leases to deposits | 56.9057% | 4,520 |
| Net loans and leases to core deposits | 60.7245% | 4,508 |
| Total domestic deposits to total assets | 87.3456% | 1,347 |
| Equity capital to assets | 12.1934% | 2,115 |
| Core capital (leverage) ratio | 11.9785% | 1,864 |
| Tier 1 risk-based capital ratio | 23.6628% | 876 |
| Total risk-based capital ratio | 24.9403% | 860 |
| Memoranda: | ||
| Average total assets | $153,813,750 | 3,286 |
| Average earning assets | $145,109,500 | 3,253 |
| Average equity | $18,068,500 | 3,351 |
| Average total loans | $80,478,000 | 3,632 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3853% | 3,375 |
| Cost of funding earning assets | 0.2765% | 4,885 |
| Net interest margin | 4.1088% | 1,582 |
| Noninterest income to average assets | 0.7285% | 1,608 |
| Noninterest expense to average assets | 3.6335% | 813 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9683% | 3,033 |
| Return on assets (ROA) | 0.9683% | 3,104 |
| Pretax return on assets | 0.9683% | 3,652 |
| Return on Equity (ROE) | 8.3499% | 3,135 |
| Retained earnings to average equity (ytd only) | 8.3499% | 1,261 |
| Net charge-offs to loans | 0.2230% | 756 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 8.2556% | 2,433 |
| Efficiency ratio | 78.9578% | 1,061 |
| Assets per employee ($millions) | 4.6992% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3910% | 93 |
| Loan loss allowance to noncurrent loans | 169.3350% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 1.0164% | 1,370 |
| Noncurrent loans to loans | 2.0025% | 714 |
| Net loans and leases to total assets | 49.0364% | 4,521 |
| Net loans and leases to deposits | 55.6628% | 4,610 |
| Net loans and leases to core deposits | 59.1142% | 4,607 |
| Total domestic deposits to total assets | 88.0956% | 1,059 |
| Equity capital to assets | 11.5157% | 2,596 |
| Core capital (leverage) ratio | 11.4401% | 2,216 |
| Tier 1 risk-based capital ratio | 22.5770% | 988 |
| Total risk-based capital ratio | 23.8535% | 970 |
| Memoranda: | ||
| Average total assets | $153,461,330 | 3,308 |
| Average earning assets | $144,666,670 | 3,277 |
| Average equity | $17,796,670 | 3,382 |
| Average total loans | $80,727,330 | 3,648 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3521% | 3,394 |
| Cost of funding earning assets | 0.2256% | 5,051 |
| Net interest margin | 4.1265% | 1,485 |
| Noninterest income to average assets | 0.7106% | 1,576 |
| Noninterest expense to average assets | 3.6805% | 771 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9235% | 3,150 |
| Return on assets (ROA) | 0.9235% | 3,184 |
| Pretax return on assets | 0.9235% | 3,685 |
| Return on Equity (ROE) | 7.9335% | 3,293 |
| Retained earnings to average equity (ytd only) | 7.9335% | 1,691 |
| Net charge-offs to loans | 0.4867% | 311 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 3.5408% | 2,393 |
| Efficiency ratio | 79.9422% | 1,071 |
| Assets per employee ($millions) | 4.6189% | 3,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4424% | 88 |
| Loan loss allowance to noncurrent loans | 179.4503% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.9730% | 1,441 |
| Noncurrent loans to loans | 1.9183% | 790 |
| Net loans and leases to total assets | 48.9751% | 4,528 |
| Net loans and leases to deposits | 55.4813% | 4,628 |
| Net loans and leases to core deposits | 58.3340% | 4,633 |
| Total domestic deposits to total assets | 88.2731% | 1,208 |
| Equity capital to assets | 11.3257% | 2,543 |
| Core capital (leverage) ratio | 12.1332% | 1,696 |
| Tier 1 risk-based capital ratio | 21.8204% | 1,071 |
| Total risk-based capital ratio | 23.0962% | 1,046 |
| Memoranda: | ||
| Average total assets | $150,305,500 | 3,381 |
| Average earning assets | $141,816,000 | 3,348 |
| Average equity | $17,495,500 | 3,418 |
| Average total loans | $80,542,500 | 3,683 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2508% | 3,273 |
| Cost of funding earning assets | 0.1684% | 5,124 |
| Net interest margin | 4.0823% | 1,743 |
| Noninterest income to average assets | 0.6150% | 2,219 |
| Noninterest expense to average assets | 3.2032% | 1,544 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2730% | 1,900 |
| Return on assets (ROA) | 1.2522% | 1,963 |
| Pretax return on assets | 1.2522% | 2,688 |
| Return on Equity (ROE) | 10.9606% | 2,097 |
| Retained earnings to average equity (ytd only) | 6.1108% | 2,138 |
| Net charge-offs to loans | 0.1376% | 1,381 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 17.0185% | 2,212 |
| Efficiency ratio | 71.5612% | 1,961 |
| Assets per employee ($millions) | 4.1020% | 3,745 |
| Cash dividends to net income (ytd only)* | 44.2478% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4876% | 84 |
| Loan loss allowance to noncurrent loans | 179.0668% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 1.1047% | 1,215 |
| Noncurrent loans to loans | 1.9476% | 699 |
| Net loans and leases to total assets | 54.7412% | 4,228 |
| Net loans and leases to deposits | 62.4480% | 4,351 |
| Net loans and leases to core deposits | 65.9971% | 4,357 |
| Total domestic deposits to total assets | 87.6590% | 1,464 |
| Equity capital to assets | 11.9837% | 1,907 |
| Core capital (leverage) ratio | 12.6905% | 1,383 |
| Tier 1 risk-based capital ratio | 21.7262% | 1,064 |
| Total risk-based capital ratio | 23.0044% | 1,044 |
| Memoranda: | ||
| Average total assets | $144,388,000 | 3,451 |
| Average earning assets | $136,563,800 | 3,405 |
| Average equity | $16,495,400 | 3,462 |
| Average total loans | $78,478,000 | 3,693 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2197% | 3,251 |
| Cost of funding earning assets | 0.1625% | 5,177 |
| Net interest margin | 4.0572% | 1,765 |
| Noninterest income to average assets | 0.5892% | 2,370 |
| Noninterest expense to average assets | 3.1730% | 1,589 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2605% | 1,996 |
| Return on assets (ROA) | 1.2605% | 2,003 |
| Pretax return on assets | 1.2605% | 2,767 |
| Return on Equity (ROE) | 11.1694% | 2,110 |
| Retained earnings to average equity (ytd only) | 4.6328% | 3,435 |
| Net charge-offs to loans | 0.0789% | 1,731 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 29.7182% | 1,620 |
| Efficiency ratio | 71.5682% | 1,954 |
| Assets per employee ($millions) | 3.9366% | 3,989 |
| Cash dividends to net income (ytd only)* | 58.5223% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7254% | 74 |
| Loan loss allowance to noncurrent loans | 141.7684% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 1.4444% | 909 |
| Noncurrent loans to loans | 2.6278% | 477 |
| Net loans and leases to total assets | 52.9192% | 4,430 |
| Net loans and leases to deposits | 60.2561% | 4,533 |
| Net loans and leases to core deposits | 63.7233% | 4,533 |
| Total domestic deposits to total assets | 87.8237% | 1,325 |
| Equity capital to assets | 11.6965% | 2,106 |
| Core capital (leverage) ratio | 11.9525% | 1,815 |
| Tier 1 risk-based capital ratio | 22.0026% | 1,055 |
| Total risk-based capital ratio | 23.2839% | 1,028 |
| Memoranda: | ||
| Average total assets | $144,592,500 | 3,485 |
| Average earning assets | $137,005,250 | 3,436 |
| Average equity | $16,318,000 | 3,502 |
| Average total loans | $77,739,500 | 3,740 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1400% | 3,317 |
| Cost of funding earning assets | 0.1530% | 5,233 |
| Net interest margin | 3.9870% | 1,906 |
| Noninterest income to average assets | 0.5702% | 2,476 |
| Noninterest expense to average assets | 3.2085% | 1,517 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1584% | 2,357 |
| Return on assets (ROA) | 1.1584% | 2,358 |
| Pretax return on assets | 1.1584% | 3,104 |
| Return on Equity (ROE) | 10.3869% | 2,388 |
| Retained earnings to average equity (ytd only) | 0.5298% | 4,855 |
| Net charge-offs to loans | 0.1364% | 1,101 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 15.9057% | 2,014 |
| Efficiency ratio | 73.4739% | 1,787 |
| Assets per employee ($millions) | 3.8693% | 4,104 |
| Cash dividends to net income (ytd only)* | 94.8992% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7208% | 68 |
| Loan loss allowance to noncurrent loans | 167.9234% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 1.2042% | 1,191 |
| Noncurrent loans to loans | 2.2158% | 630 |
| Net loans and leases to total assets | 52.3249% | 4,455 |
| Net loans and leases to deposits | 59.2346% | 4,575 |
| Net loans and leases to core deposits | 62.5797% | 4,581 |
| Total domestic deposits to total assets | 88.3351% | 1,206 |
| Equity capital to assets | 11.2856% | 2,371 |
| Core capital (leverage) ratio | 11.3207% | 2,235 |
| Tier 1 risk-based capital ratio | 21.8190% | 1,059 |
| Total risk-based capital ratio | 23.1010% | 1,036 |
| Memoranda: | ||
| Average total assets | $145,550,670 | 3,495 |
| Average earning assets | $138,600,330 | 3,430 |
| Average equity | $16,232,000 | 3,529 |
| Average total loans | $77,686,670 | 3,757 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0508% | 3,412 |
| Cost of funding earning assets | 0.1489% | 5,275 |
| Net interest margin | 3.9019% | 2,035 |
| Noninterest income to average assets | 0.5588% | 2,479 |
| Noninterest expense to average assets | 3.0829% | 1,871 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1912% | 2,048 |
| Return on assets (ROA) | 1.1912% | 2,060 |
| Pretax return on assets | 1.1912% | 2,791 |
| Return on Equity (ROE) | 10.7440% | 2,073 |
| Retained earnings to average equity (ytd only) | 0.9097% | 4,650 |
| Net charge-offs to loans | 0.2989% | 508 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 7.5345% | 2,080 |
| Efficiency ratio | 72.1301% | 2,173 |
| Assets per employee ($millions) | 3.9975% | 3,984 |
| Cash dividends to net income (ytd only)* | 91.5332% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6982% | 76 |
| Loan loss allowance to noncurrent loans | 162.7252% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 1.2341% | 1,218 |
| Noncurrent loans to loans | 2.2726% | 641 |
| Net loans and leases to total assets | 52.2945% | 4,416 |
| Net loans and leases to deposits | 59.1997% | 4,526 |
| Net loans and leases to core deposits | 62.5188% | 4,520 |
| Total domestic deposits to total assets | 88.3358% | 1,439 |
| Equity capital to assets | 11.2619% | 2,336 |
| Core capital (leverage) ratio | 11.6422% | 1,899 |
| Tier 1 risk-based capital ratio | 21.7370% | 1,094 |
| Total risk-based capital ratio | 23.0199% | 1,064 |
| Memoranda: | ||
| Average total assets | $146,743,500 | 3,511 |
| Average earning assets | $139,726,000 | 3,450 |
| Average equity | $16,269,500 | 3,552 |
| Average total loans | $77,627,000 | 3,794 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1937% | 2,709 |
| Cost of funding earning assets | 0.1608% | 5,205 |
| Net interest margin | 4.0329% | 1,646 |
| Noninterest income to average assets | 0.5848% | 2,524 |
| Noninterest expense to average assets | 3.0210% | 2,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3964% | 1,029 |
| Return on assets (ROA) | 1.3978% | 1,042 |
| Pretax return on assets | 1.3978% | 1,999 |
| Return on Equity (ROE) | 12.0802% | 1,188 |
| Retained earnings to average equity (ytd only) | 0.3498% | 4,886 |
| Net charge-offs to loans | 0.0013% | 4,079 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 2,001.0000% | 31 |
| Efficiency ratio | 68.3886% | 2,820 |
| Assets per employee ($millions) | 4.0426% | 3,896 |
| Cash dividends to net income (ytd only)* | 97.1043% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8233% | 70 |
| Loan loss allowance to noncurrent loans | 153.3819% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 1.2850% | 1,134 |
| Noncurrent loans to loans | 2.4926% | 539 |
| Net loans and leases to total assets | 49.5791% | 4,674 |
| Net loans and leases to deposits | 55.8430% | 4,811 |
| Net loans and leases to core deposits | 58.8325% | 4,809 |
| Total domestic deposits to total assets | 88.7830% | 1,099 |
| Equity capital to assets | 10.9188% | 2,714 |
| Core capital (leverage) ratio | 11.6433% | 1,837 |
| Tier 1 risk-based capital ratio | 22.2182% | 994 |
| Total risk-based capital ratio | 23.5014% | 962 |
| Memoranda: | ||
| Average total assets | $143,297,600 | 3,562 |
| Average earning assets | $136,181,400 | 3,504 |
| Average equity | $16,580,800 | 3,526 |
| Average total loans | $78,938,600 | 3,772 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2885% | 2,300 |
| Cost of funding earning assets | 0.1696% | 5,203 |
| Net interest margin | 4.1189% | 1,340 |
| Noninterest income to average assets | 0.5917% | 2,523 |
| Noninterest expense to average assets | 3.0424% | 1,987 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4553% | 980 |
| Return on assets (ROA) | 1.4572% | 994 |
| Pretax return on assets | 1.4572% | 1,919 |
| Return on Equity (ROE) | 12.4093% | 1,211 |
| Retained earnings to average equity (ytd only) | 6.0404% | 2,204 |
| Net charge-offs to loans | 0.0235% | 2,984 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 110.4778% | 651 |
| Efficiency ratio | 67.6428% | 2,937 |
| Assets per employee ($millions) | 3.7753% | 4,330 |
| Cash dividends to net income (ytd only)* | 51.3233% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7130% | 86 |
| Loan loss allowance to noncurrent loans | 150.2816% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 1.3613% | 1,157 |
| Noncurrent loans to loans | 2.4707% | 626 |
| Net loans and leases to total assets | 53.0534% | 4,489 |
| Net loans and leases to deposits | 61.5633% | 4,553 |
| Net loans and leases to core deposits | 65.7124% | 4,503 |
| Total domestic deposits to total assets | 86.1769% | 2,241 |
| Equity capital to assets | 11.9759% | 1,982 |
| Core capital (leverage) ratio | 12.0364% | 1,662 |
| Tier 1 risk-based capital ratio | 22.5454% | 990 |
| Total risk-based capital ratio | 23.8276% | 972 |
| Memoranda: | ||
| Average total assets | $141,727,750 | 3,624 |
| Average earning assets | $134,401,500 | 3,569 |
| Average equity | $16,643,000 | 3,550 |
| Average total loans | $79,396,500 | 3,790 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1490% | 2,675 |
| Cost of funding earning assets | 0.1690% | 5,214 |
| Net interest margin | 3.9800% | 1,672 |
| Noninterest income to average assets | 0.6334% | 2,303 |
| Noninterest expense to average assets | 3.1513% | 1,699 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2540% | 1,424 |
| Return on assets (ROA) | 1.2540% | 1,447 |
| Pretax return on assets | 1.2540% | 2,561 |
| Return on Equity (ROE) | 10.7509% | 1,735 |
| Retained earnings to average equity (ytd only) | 1.0933% | 4,807 |
| Net charge-offs to loans | 0.0604% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 36.8750% | 1,316 |
| Efficiency ratio | 71.5343% | 2,432 |
| Assets per employee ($millions) | 3.8257% | 4,241 |
| Cash dividends to net income (ytd only)* | 89.8305% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7052% | 77 |
| Loan loss allowance to noncurrent loans | 141.7838% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 1.4191% | 1,109 |
| Noncurrent loans to loans | 2.6132% | 547 |
| Net loans and leases to total assets | 52.2913% | 4,543 |
| Net loans and leases to deposits | 60.2236% | 4,607 |
| Net loans and leases to core deposits | 64.1895% | 4,587 |
| Total domestic deposits to total assets | 86.8286% | 2,028 |
| Equity capital to assets | 11.4042% | 2,406 |
| Core capital (leverage) ratio | 11.3847% | 2,059 |
| Tier 1 risk-based capital ratio | 21.6107% | 1,100 |
| Total risk-based capital ratio | 22.8931% | 1,072 |
| Memoranda: | ||
| Average total assets | $141,149,330 | 3,646 |
| Average earning assets | $133,767,330 | 3,596 |
| Average equity | $16,463,670 | 3,583 |
| Average total loans | $79,513,000 | 3,801 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1858% | 2,318 |
| Cost of funding earning assets | 0.1704% | 5,238 |
| Net interest margin | 4.0155% | 1,432 |
| Noninterest income to average assets | 0.6157% | 2,344 |
| Noninterest expense to average assets | 3.2538% | 1,466 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1594% | 1,628 |
| Return on assets (ROA) | 1.1594% | 1,667 |
| Pretax return on assets | 1.1594% | 2,745 |
| Return on Equity (ROE) | 9.8257% | 2,038 |
| Retained earnings to average equity (ytd only) | 1.4141% | 4,536 |
| Net charge-offs to loans | 0.0451% | 1,939 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 44.7778% | 957 |
| Efficiency ratio | 73.7288% | 2,281 |
| Assets per employee ($millions) | 3.5503% | 4,722 |
| Cash dividends to net income (ytd only)* | 85.6079% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6665% | 106 |
| Loan loss allowance to noncurrent loans | 137.8340% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 1.5147% | 1,050 |
| Noncurrent loans to loans | 2.6601% | 572 |
| Net loans and leases to total assets | 54.3944% | 4,309 |
| Net loans and leases to deposits | 62.8026% | 4,384 |
| Net loans and leases to core deposits | 67.0515% | 4,349 |
| Total domestic deposits to total assets | 86.6116% | 2,395 |
| Equity capital to assets | 11.5998% | 2,114 |
| Core capital (leverage) ratio | 11.9003% | 1,690 |
| Tier 1 risk-based capital ratio | 21.2743% | 1,179 |
| Total risk-based capital ratio | 22.5561% | 1,154 |
| Memoranda: | ||
| Average total assets | $139,036,000 | 3,710 |
| Average earning assets | $131,491,000 | 3,654 |
| Average equity | $16,406,000 | 3,616 |
| Average total loans | $79,797,500 | 3,812 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2064% | 2,467 |
| Cost of funding earning assets | 0.1792% | 5,222 |
| Net interest margin | 4.0272% | 1,566 |
| Noninterest income to average assets | 0.6349% | 2,480 |
| Noninterest expense to average assets | 3.1449% | 1,909 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2819% | 1,261 |
| Return on assets (ROA) | 1.3020% | 1,279 |
| Pretax return on assets | 1.3020% | 2,279 |
| Return on Equity (ROE) | 10.9309% | 1,603 |
| Retained earnings to average equity (ytd only) | 0.3798% | 5,166 |
| Net charge-offs to loans | 0.6078% | 376 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 3.8223% | 3,603 |
| Efficiency ratio | 71.0415% | 2,738 |
| Assets per employee ($millions) | 3.0923% | 5,276 |
| Cash dividends to net income (ytd only)* | 96.5251% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7137% | 95 |
| Loan loss allowance to noncurrent loans | 146.0624% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 1.8808% | 765 |
| Noncurrent loans to loans | 2.5425% | 614 |
| Net loans and leases to total assets | 56.1954% | 4,251 |
| Net loans and leases to deposits | 65.1944% | 4,315 |
| Net loans and leases to core deposits | 69.9920% | 4,245 |
| Total domestic deposits to total assets | 86.1966% | 2,491 |
| Equity capital to assets | 12.0086% | 1,797 |
| Core capital (leverage) ratio | 12.3145% | 1,425 |
| Tier 1 risk-based capital ratio | 21.1328% | 1,185 |
| Total risk-based capital ratio | 22.4143% | 1,165 |
| Memoranda: | ||
| Average total assets | $139,243,400 | 3,685 |
| Average earning assets | $131,109,000 | 3,633 |
| Average equity | $16,586,000 | 3,612 |
| Average total loans | $76,835,000 | 3,880 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1458% | 2,697 |
| Cost of funding earning assets | 0.1821% | 5,250 |
| Net interest margin | 3.9638% | 1,768 |
| Noninterest income to average assets | 0.6798% | 2,267 |
| Noninterest expense to average assets | 3.1362% | 1,938 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2749% | 1,365 |
| Return on assets (ROA) | 1.3015% | 1,385 |
| Pretax return on assets | 1.3015% | 2,425 |
| Return on Equity (ROE) | 10.9481% | 1,689 |
| Retained earnings to average equity (ytd only) | 0.1362% | 5,304 |
| Net charge-offs to loans | 0.7910% | 229 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.9624% | 3,491 |
| Efficiency ratio | 71.0986% | 2,722 |
| Assets per employee ($millions) | 3.1102% | 5,277 |
| Cash dividends to net income (ytd only)* | 98.7567% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8153% | 89 |
| Loan loss allowance to noncurrent loans | 144.3038% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 1.9379% | 815 |
| Noncurrent loans to loans | 2.6439% | 631 |
| Net loans and leases to total assets | 54.6033% | 4,438 |
| Net loans and leases to deposits | 63.5151% | 4,522 |
| Net loans and leases to core deposits | 68.4822% | 4,427 |
| Total domestic deposits to total assets | 85.9690% | 2,373 |
| Equity capital to assets | 12.1391% | 2,012 |
| Core capital (leverage) ratio | 11.8882% | 1,754 |
| Tier 1 risk-based capital ratio | 21.2057% | 1,233 |
| Total risk-based capital ratio | 22.4874% | 1,206 |
| Memoranda: | ||
| Average total assets | $140,039,000 | 3,694 |
| Average earning assets | $131,823,500 | 3,641 |
| Average equity | $16,647,750 | 3,630 |
| Average total loans | $76,191,500 | 3,926 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1175% | 2,791 |
| Cost of funding earning assets | 0.1870% | 5,260 |
| Net interest margin | 3.9305% | 1,879 |
| Noninterest income to average assets | 0.6931% | 2,175 |
| Noninterest expense to average assets | 3.1070% | 2,038 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2813% | 1,332 |
| Return on assets (ROA) | 1.2898% | 1,411 |
| Pretax return on assets | 1.2898% | 2,450 |
| Return on Equity (ROE) | 10.9246% | 1,674 |
| Retained earnings to average equity (ytd only) | 0.1201% | 5,258 |
| Net charge-offs to loans | 0.7583% | 270 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 3.1498% | 3,159 |
| Efficiency ratio | 70.8010% | 2,861 |
| Assets per employee ($millions) | 3.1114% | 5,316 |
| Cash dividends to net income (ytd only)* | 98.9011% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0488% | 72 |
| Loan loss allowance to noncurrent loans | 141.5197% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 2.0062% | 818 |
| Noncurrent loans to loans | 2.8610% | 536 |
| Net loans and leases to total assets | 52.9608% | 4,591 |
| Net loans and leases to deposits | 61.3174% | 4,710 |
| Net loans and leases to core deposits | 66.3069% | 4,585 |
| Total domestic deposits to total assets | 86.3715% | 2,229 |
| Equity capital to assets | 11.8487% | 2,232 |
| Core capital (leverage) ratio | 11.3486% | 2,100 |
| Tier 1 risk-based capital ratio | 21.1496% | 1,248 |
| Total risk-based capital ratio | 22.4338% | 1,226 |
| Memoranda: | ||
| Average total assets | $141,103,000 | 3,695 |
| Average earning assets | $132,654,330 | 3,650 |
| Average equity | $16,659,670 | 3,634 |
| Average total loans | $75,693,000 | 3,959 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0624% | 2,994 |
| Cost of funding earning assets | 0.1890% | 5,297 |
| Net interest margin | 3.8734% | 2,017 |
| Noninterest income to average assets | 0.7257% | 1,919 |
| Noninterest expense to average assets | 3.0753% | 2,164 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2962% | 1,267 |
| Return on assets (ROA) | 1.3103% | 1,306 |
| Pretax return on assets | 1.3103% | 2,263 |
| Return on Equity (ROE) | 11.1174% | 1,557 |
| Retained earnings to average equity (ytd only) | 11.1174% | 631 |
| Net charge-offs to loans | 0.7370% | 283 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3.3261% | 2,554 |
| Efficiency ratio | 70.3488% | 3,059 |
| Assets per employee ($millions) | 3.2101% | 5,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3371% | 73 |
| Loan loss allowance to noncurrent loans | 115.1792% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 2.3841% | 645 |
| Noncurrent loans to loans | 3.7655% | 340 |
| Net loans and leases to total assets | 50.0523% | 4,800 |
| Net loans and leases to deposits | 57.8517% | 4,863 |
| Net loans and leases to core deposits | 62.6923% | 4,773 |
| Total domestic deposits to total assets | 86.5183% | 2,436 |
| Equity capital to assets | 11.7601% | 2,191 |
| Core capital (leverage) ratio | 11.9198% | 1,664 |
| Tier 1 risk-based capital ratio | 21.8523% | 1,185 |
| Total risk-based capital ratio | 23.1394% | 1,154 |
| Memoranda: | ||
| Average total assets | $141,647,000 | 3,708 |
| Average earning assets | $133,320,000 | 3,662 |
| Average equity | $16,694,500 | 3,632 |
| Average total loans | $74,898,500 | 4,003 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0879% | 2,967 |
| Cost of funding earning assets | 0.2006% | 5,283 |
| Net interest margin | 3.8873% | 2,073 |
| Noninterest income to average assets | 0.7042% | 2,179 |
| Noninterest expense to average assets | 2.9977% | 2,555 |
| Loan and lease loss provision to assets | 0.1617% | 1,424 |
| Net operating income to assets | 1.2071% | 1,522 |
| Return on assets (ROA) | 1.1971% | 1,634 |
| Pretax return on assets | 1.1971% | 2,669 |
| Return on Equity (ROE) | 10.0790% | 1,981 |
| Retained earnings to average equity (ytd only) | 0.7623% | 5,215 |
| Net charge-offs to loans | 0.3295% | 904 |
| Credit loss provision to net charge-offs | 92.5926% | 2,709 |
| Earnings coverage of net charge-offs (x) | 7.8395% | 3,031 |
| Efficiency ratio | 68.6523% | 3,457 |
| Assets per employee ($millions) | 3.0853% | 5,439 |
| Cash dividends to net income (ytd only)* | 92.4370% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6028% | 60 |
| Loan loss allowance to noncurrent loans | 87.7472% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 3.2347% | 393 |
| Noncurrent loans to loans | 5.2455% | 177 |
| Net loans and leases to total assets | 50.9943% | 4,776 |
| Net loans and leases to deposits | 58.9661% | 4,850 |
| Net loans and leases to core deposits | 64.2760% | 4,724 |
| Total domestic deposits to total assets | 86.4807% | 2,387 |
| Equity capital to assets | 11.8130% | 2,099 |
| Core capital (leverage) ratio | 11.9572% | 1,644 |
| Tier 1 risk-based capital ratio | 21.3717% | 1,235 |
| Total risk-based capital ratio | 22.6610% | 1,210 |
| Memoranda: | ||
| Average total assets | $139,171,400 | 3,736 |
| Average earning assets | $131,117,800 | 3,677 |
| Average equity | $16,529,400 | 3,596 |
| Average total loans | $73,746,800 | 4,004 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0308% | 3,207 |
| Cost of funding earning assets | 0.2012% | 5,366 |
| Net interest margin | 3.8295% | 2,272 |
| Noninterest income to average assets | 0.7506% | 2,020 |
| Noninterest expense to average assets | 3.0438% | 2,387 |
| Loan and lease loss provision to assets | 0.2154% | 887 |
| Net operating income to assets | 1.0992% | 2,010 |
| Return on assets (ROA) | 1.0858% | 2,156 |
| Pretax return on assets | 1.0858% | 3,286 |
| Return on Equity (ROE) | 9.1294% | 2,503 |
| Retained earnings to average equity (ytd only) | 4.7821% | 3,067 |
| Net charge-offs to loans | 0.1883% | 1,355 |
| Credit loss provision to net charge-offs | 216.3462% | 1,256 |
| Earnings coverage of net charge-offs (x) | 13.2022% | 2,345 |
| Efficiency ratio | 69.8374% | 3,234 |
| Assets per employee ($millions) | 3.3644% | 5,037 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9475% | 57 |
| Loan loss allowance to noncurrent loans | 87.2607% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 3.5810% | 351 |
| Noncurrent loans to loans | 5.6698% | 157 |
| Net loans and leases to total assets | 48.3351% | 5,058 |
| Net loans and leases to deposits | 56.0586% | 5,115 |
| Net loans and leases to core deposits | 61.0216% | 5,002 |
| Total domestic deposits to total assets | 86.2225% | 2,428 |
| Equity capital to assets | 11.9764% | 2,125 |
| Core capital (leverage) ratio | 11.8571% | 1,772 |
| Tier 1 risk-based capital ratio | 22.3191% | 1,149 |
| Total risk-based capital ratio | 23.6120% | 1,122 |
| Memoranda: | ||
| Average total assets | $139,254,500 | 3,769 |
| Average earning assets | $131,187,750 | 3,705 |
| Average equity | $16,561,500 | 3,615 |
| Average total loans | $73,629,500 | 4,042 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0457% | 3,096 |
| Cost of funding earning assets | 0.2021% | 5,418 |
| Net interest margin | 3.8437% | 2,160 |
| Noninterest income to average assets | 0.7274% | 2,102 |
| Noninterest expense to average assets | 3.0742% | 2,326 |
| Loan and lease loss provision to assets | 0.3247% | 430 |
| Net operating income to assets | 0.9526% | 2,620 |
| Return on assets (ROA) | 0.9526% | 2,738 |
| Pretax return on assets | 0.9526% | 3,764 |
| Return on Equity (ROE) | 8.0287% | 3,038 |
| Retained earnings to average equity (ytd only) | 4.0144% | 3,461 |
| Net charge-offs to loans | 0.2075% | 1,219 |
| Credit loss provision to net charge-offs | 292.2078% | 943 |
| Earnings coverage of net charge-offs (x) | 11.4935% | 2,289 |
| Efficiency ratio | 70.6468% | 3,235 |
| Assets per employee ($millions) | 3.4412% | 4,914 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9416% | 63 |
| Loan loss allowance to noncurrent loans | 84.9620% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 3.8188% | 355 |
| Noncurrent loans to loans | 5.8162% | 167 |
| Net loans and leases to total assets | 48.8376% | 5,026 |
| Net loans and leases to deposits | 56.4369% | 5,094 |
| Net loans and leases to core deposits | 61.3208% | 4,988 |
| Total domestic deposits to total assets | 86.5348% | 2,411 |
| Equity capital to assets | 11.7209% | 2,233 |
| Core capital (leverage) ratio | 11.6602% | 1,873 |
| Tier 1 risk-based capital ratio | 22.5017% | 1,137 |
| Total risk-based capital ratio | 23.7961% | 1,111 |
| Memoranda: | ||
| Average total assets | $138,571,670 | 3,808 |
| Average earning assets | $130,656,670 | 3,739 |
| Average equity | $16,441,000 | 3,651 |
| Average total loans | $74,221,330 | 4,057 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0577% | 3,008 |
| Cost of funding earning assets | 0.2069% | 5,446 |
| Net interest margin | 3.8508% | 2,063 |
| Noninterest income to average assets | 0.7166% | 2,087 |
| Noninterest expense to average assets | 3.1257% | 2,193 |
| Loan and lease loss provision to assets | 0.5826% | 161 |
| Net operating income to assets | 0.6409% | 4,085 |
| Return on assets (ROA) | 0.6409% | 4,205 |
| Pretax return on assets | 0.6409% | 4,795 |
| Return on Equity (ROE) | 5.3681% | 4,347 |
| Retained earnings to average equity (ytd only) | 2.3181% | 4,530 |
| Net charge-offs to loans | 0.2664% | 898 |
| Credit loss provision to net charge-offs | 400.0000% | 659 |
| Earnings coverage of net charge-offs (x) | 8.4000% | 2,090 |
| Efficiency ratio | 71.8687% | 3,195 |
| Assets per employee ($millions) | 3.2988% | 5,245 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8031% | 76 |
| Loan loss allowance to noncurrent loans | 65.9551% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 4.7882% | 266 |
| Noncurrent loans to loans | 7.2824% | 118 |
| Net loans and leases to total assets | 51.2696% | 4,724 |
| Net loans and leases to deposits | 59.3865% | 4,792 |
| Net loans and leases to core deposits | 64.4142% | 4,660 |
| Total domestic deposits to total assets | 86.3320% | 2,747 |
| Equity capital to assets | 11.9134% | 2,089 |
| Core capital (leverage) ratio | 11.8849% | 1,711 |
| Tier 1 risk-based capital ratio | 21.5624% | 1,310 |
| Total risk-based capital ratio | 22.8551% | 1,275 |
| Memoranda: | ||
| Average total assets | $137,312,500 | 3,854 |
| Average earning assets | $129,531,000 | 3,797 |
| Average equity | $16,393,000 | 3,677 |
| Average total loans | $75,088,500 | 4,047 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1075% | 3,296 |
| Cost of funding earning assets | 0.2684% | 5,120 |
| Net interest margin | 3.8391% | 2,473 |
| Noninterest income to average assets | 0.6285% | 2,691 |
| Noninterest expense to average assets | 3.0336% | 2,745 |
| Loan and lease loss provision to assets | 0.6494% | 206 |
| Net operating income to assets | 0.5679% | 4,517 |
| Return on assets (ROA) | 0.5679% | 4,605 |
| Pretax return on assets | 0.5679% | 5,041 |
| Return on Equity (ROE) | 4.9483% | 4,689 |
| Retained earnings to average equity (ytd only) | 2.4333% | 4,498 |
| Net charge-offs to loans | 2.2279% | 75 |
| Credit loss provision to net charge-offs | 51.9931% | 3,444 |
| Earnings coverage of net charge-offs (x) | 0.9746% | 4,524 |
| Efficiency ratio | 71.3631% | 3,316 |
| Assets per employee ($millions) | 2.9582% | 5,752 |
| Cash dividends to net income (ytd only)* | 50.8259% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5448% | 91 |
| Loan loss allowance to noncurrent loans | 47.7409% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 5.5543% | 225 |
| Noncurrent loans to loans | 9.5197% | 75 |
| Net loans and leases to total assets | 53.0039% | 4,684 |
| Net loans and leases to deposits | 61.4060% | 4,771 |
| Net loans and leases to core deposits | 67.1711% | 4,583 |
| Total domestic deposits to total assets | 86.3171% | 2,662 |
| Equity capital to assets | 11.9640% | 2,041 |
| Core capital (leverage) ratio | 12.2535% | 1,473 |
| Tier 1 risk-based capital ratio | 21.2910% | 1,341 |
| Total risk-based capital ratio | 22.5814% | 1,313 |
| Memoranda: | ||
| Average total assets | $138,581,800 | 3,829 |
| Average earning assets | $130,759,400 | 3,751 |
| Average equity | $15,904,600 | 3,681 |
| Average total loans | $77,694,800 | 3,939 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0902% | 3,419 |
| Cost of funding earning assets | 0.2824% | 5,070 |
| Net interest margin | 3.8078% | 2,593 |
| Noninterest income to average assets | 0.6293% | 2,693 |
| Noninterest expense to average assets | 3.0553% | 2,612 |
| Loan and lease loss provision to assets | 0.6465% | 202 |
| Net operating income to assets | 0.5172% | 4,816 |
| Return on assets (ROA) | 0.5172% | 4,877 |
| Pretax return on assets | 0.5172% | 5,274 |
| Return on Equity (ROE) | 4.5537% | 4,936 |
| Retained earnings to average equity (ytd only) | 3.5840% | 4,098 |
| Net charge-offs to loans | 2.1816% | 87 |
| Credit loss provision to net charge-offs | 52.7344% | 3,060 |
| Earnings coverage of net charge-offs (x) | 0.9492% | 4,270 |
| Efficiency ratio | 72.4177% | 3,104 |
| Assets per employee ($millions) | 2.9914% | 5,728 |
| Cash dividends to net income (ytd only)* | 21.2964% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7889% | 93 |
| Loan loss allowance to noncurrent loans | 45.2970% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 6.2164% | 214 |
| Noncurrent loans to loans | 10.5723% | 68 |
| Net loans and leases to total assets | 54.0565% | 4,570 |
| Net loans and leases to deposits | 63.3469% | 4,606 |
| Net loans and leases to core deposits | 69.4431% | 4,377 |
| Total domestic deposits to total assets | 85.3340% | 3,194 |
| Equity capital to assets | 12.0332% | 2,030 |
| Core capital (leverage) ratio | 11.9097% | 1,755 |
| Tier 1 risk-based capital ratio | 20.9330% | 1,466 |
| Total risk-based capital ratio | 22.2258% | 1,433 |
| Memoranda: | ||
| Average total assets | $139,208,500 | 3,842 |
| Average earning assets | $131,236,000 | 3,761 |
| Average equity | $15,810,750 | 3,714 |
| Average total loans | $78,228,750 | 3,955 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0298% | 3,617 |
| Cost of funding earning assets | 0.2923% | 5,044 |
| Net interest margin | 3.7375% | 2,808 |
| Noninterest income to average assets | 0.6665% | 2,448 |
| Noninterest expense to average assets | 3.0069% | 2,804 |
| Loan and lease loss provision to assets | 0.6395% | 218 |
| Net operating income to assets | 0.5457% | 4,620 |
| Return on assets (ROA) | 0.5457% | 4,721 |
| Pretax return on assets | 0.5457% | 5,147 |
| Return on Equity (ROE) | 4.8974% | 4,724 |
| Retained earnings to average equity (ytd only) | 3.4308% | 4,017 |
| Net charge-offs to loans | 1.9104% | 123 |
| Credit loss provision to net charge-offs | 59.7610% | 2,647 |
| Earnings coverage of net charge-offs (x) | 1.1076% | 3,886 |
| Efficiency ratio | 71.7288% | 3,392 |
| Assets per employee ($millions) | 3.3079% | 5,238 |
| Cash dividends to net income (ytd only)* | 29.9479% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1075% | 83 |
| Loan loss allowance to noncurrent loans | 45.8459% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 6.2795% | 227 |
| Noncurrent loans to loans | 11.1406% | 59 |
| Net loans and leases to total assets | 51.7506% | 4,770 |
| Net loans and leases to deposits | 59.9552% | 4,873 |
| Net loans and leases to core deposits | 66.0523% | 4,638 |
| Total domestic deposits to total assets | 86.3154% | 2,866 |
| Equity capital to assets | 11.2380% | 2,665 |
| Core capital (leverage) ratio | 11.2449% | 2,209 |
| Tier 1 risk-based capital ratio | 20.7316% | 1,503 |
| Total risk-based capital ratio | 22.0296% | 1,471 |
| Memoranda: | ||
| Average total assets | $140,741,000 | 3,836 |
| Average earning assets | $132,761,670 | 3,761 |
| Average equity | $15,681,670 | 3,746 |
| Average total loans | $78,829,670 | 3,946 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0000% | 3,678 |
| Cost of funding earning assets | 0.3280% | 4,759 |
| Net interest margin | 3.6720% | 2,985 |
| Noninterest income to average assets | 0.7115% | 2,116 |
| Noninterest expense to average assets | 2.9716% | 2,974 |
| Loan and lease loss provision to assets | 0.5715% | 236 |
| Net operating income to assets | 0.6229% | 4,078 |
| Return on assets (ROA) | 0.6229% | 4,162 |
| Pretax return on assets | 0.6229% | 4,752 |
| Return on Equity (ROE) | 5.6149% | 4,222 |
| Retained earnings to average equity (ytd only) | 2.6529% | 4,485 |
| Net charge-offs to loans | 0.8457% | 409 |
| Credit loss provision to net charge-offs | 119.0476% | 1,463 |
| Earnings coverage of net charge-offs (x) | 2.4881% | 2,870 |
| Efficiency ratio | 71.3306% | 3,603 |
| Assets per employee ($millions) | 3.0257% | 5,819 |
| Cash dividends to net income (ytd only)* | 52.7523% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5038% | 74 |
| Loan loss allowance to noncurrent loans | 46.2690% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 6.7042% | 234 |
| Noncurrent loans to loans | 11.8951% | 65 |
| Net loans and leases to total assets | 51.8793% | 4,687 |
| Net loans and leases to deposits | 59.8849% | 4,773 |
| Net loans and leases to core deposits | 65.9748% | 4,488 |
| Total domestic deposits to total assets | 86.6316% | 3,025 |
| Equity capital to assets | 11.0134% | 2,700 |
| Core capital (leverage) ratio | 11.4268% | 2,021 |
| Tier 1 risk-based capital ratio | 20.5872% | 1,561 |
| Total risk-based capital ratio | 21.8910% | 1,519 |
| Memoranda: | ||
| Average total assets | $139,991,500 | 3,878 |
| Average earning assets | $131,698,500 | 3,805 |
| Average equity | $15,530,000 | 3,778 |
| Average total loans | $79,458,500 | 3,952 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4378% | 2,438 |
| Cost of funding earning assets | 0.3944% | 4,709 |
| Net interest margin | 4.0435% | 1,827 |
| Noninterest income to average assets | 0.6497% | 2,810 |
| Noninterest expense to average assets | 2.9267% | 3,287 |
| Loan and lease loss provision to assets | 0.6186% | 396 |
| Net operating income to assets | 0.9098% | 2,728 |
| Return on assets (ROA) | 1.0795% | 2,077 |
| Pretax return on assets | 1.0795% | 3,034 |
| Return on Equity (ROE) | 10.0003% | 2,117 |
| Retained earnings to average equity (ytd only) | 4.8921% | 2,676 |
| Net charge-offs to loans | 1.2121% | 435 |
| Credit loss provision to net charge-offs | 89.4683% | 2,778 |
| Earnings coverage of net charge-offs (x) | 2.2106% | 4,285 |
| Efficiency ratio | 65.6934% | 4,614 |
| Assets per employee ($millions) | 3.0616% | 5,739 |
| Cash dividends to net income (ytd only)* | 51.0806% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2757% | 81 |
| Loan loss allowance to noncurrent loans | 88.7432% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 3.5413% | 822 |
| Noncurrent loans to loans | 5.9449% | 352 |
| Net loans and leases to total assets | 55.5823% | 4,375 |
| Net loans and leases to deposits | 65.4457% | 4,360 |
| Net loans and leases to core deposits | 72.0537% | 4,061 |
| Total domestic deposits to total assets | 84.9289% | 3,779 |
| Equity capital to assets | 11.1763% | 2,447 |
| Core capital (leverage) ratio | 11.6318% | 1,871 |
| Tier 1 risk-based capital ratio | 19.7455% | 1,717 |
| Total risk-based capital ratio | 21.0453% | 1,672 |
| Memoranda: | ||
| Average total assets | $141,454,600 | 3,852 |
| Average earning assets | $133,128,000 | 3,772 |
| Average equity | $15,269,600 | 3,817 |
| Average total loans | $80,689,000 | 3,914 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4456% | 2,443 |
| Cost of funding earning assets | 0.4021% | 4,805 |
| Net interest margin | 4.0436% | 1,810 |
| Noninterest income to average assets | 0.6265% | 3,008 |
| Noninterest expense to average assets | 2.9021% | 3,301 |
| Loan and lease loss provision to assets | 0.5759% | 433 |
| Net operating income to assets | 0.9533% | 2,574 |
| Return on assets (ROA) | 0.9608% | 2,640 |
| Pretax return on assets | 0.9608% | 3,645 |
| Return on Equity (ROE) | 8.9777% | 2,645 |
| Retained earnings to average equity (ytd only) | 4.3401% | 3,588 |
| Net charge-offs to loans | 0.7737% | 767 |
| Credit loss provision to net charge-offs | 131.4103% | 1,799 |
| Earnings coverage of net charge-offs (x) | 3.4893% | 3,680 |
| Efficiency ratio | 65.4903% | 4,581 |
| Assets per employee ($millions) | 2.8586% | 6,064 |
| Cash dividends to net income (ytd only)* | 51.6568% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6892% | 70 |
| Loan loss allowance to noncurrent loans | 82.4658% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 4.1756% | 739 |
| Noncurrent loans to loans | 6.8989% | 306 |
| Net loans and leases to total assets | 55.7085% | 4,361 |
| Net loans and leases to deposits | 65.7663% | 4,335 |
| Net loans and leases to core deposits | 71.9085% | 4,106 |
| Total domestic deposits to total assets | 84.7067% | 3,881 |
| Equity capital to assets | 11.2554% | 2,505 |
| Core capital (leverage) ratio | 11.2489% | 2,252 |
| Tier 1 risk-based capital ratio | 19.8091% | 1,782 |
| Total risk-based capital ratio | 21.1150% | 1,737 |
| Memoranda: | ||
| Average total assets | $142,374,750 | 3,883 |
| Average earning assets | $133,970,500 | 3,792 |
| Average equity | $15,237,500 | 3,871 |
| Average total loans | $80,650,500 | 3,954 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3088% | 2,918 |
| Cost of funding earning assets | 0.4115% | 4,847 |
| Net interest margin | 3.8973% | 2,219 |
| Noninterest income to average assets | 0.6618% | 2,846 |
| Noninterest expense to average assets | 2.7646% | 3,802 |
| Loan and lease loss provision to assets | 0.4895% | 568 |
| Net operating income to assets | 1.0769% | 2,006 |
| Return on assets (ROA) | 1.0879% | 2,081 |
| Pretax return on assets | 1.0879% | 3,142 |
| Return on Equity (ROE) | 10.3299% | 2,074 |
| Retained earnings to average equity (ytd only) | 4.9620% | 3,079 |
| Net charge-offs to loans | 1.1001% | 543 |
| Credit loss provision to net charge-offs | 79.5964% | 2,630 |
| Earnings coverage of net charge-offs (x) | 2.5471% | 3,674 |
| Efficiency ratio | 63.8332% | 4,892 |
| Assets per employee ($millions) | 3.0433% | 5,779 |
| Cash dividends to net income (ytd only)* | 51.9645% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3130% | 99 |
| Loan loss allowance to noncurrent loans | 88.9559% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 3.5278% | 1,085 |
| Noncurrent loans to loans | 5.9726% | 481 |
| Net loans and leases to total assets | 53.2908% | 4,698 |
| Net loans and leases to deposits | 62.2064% | 4,711 |
| Net loans and leases to core deposits | 67.5619% | 4,546 |
| Total domestic deposits to total assets | 85.6677% | 3,549 |
| Equity capital to assets | 10.5485% | 3,238 |
| Core capital (leverage) ratio | 10.5987% | 2,768 |
| Tier 1 risk-based capital ratio | 19.0044% | 1,989 |
| Total risk-based capital ratio | 20.3037% | 1,944 |
| Memoranda: | ||
| Average total assets | $145,048,670 | 3,856 |
| Average earning assets | $136,557,000 | 3,785 |
| Average equity | $15,276,000 | 3,895 |
| Average total loans | $81,080,330 | 3,954 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2663% | 3,037 |
| Cost of funding earning assets | 0.4272% | 4,841 |
| Net interest margin | 3.8391% | 2,324 |
| Noninterest income to average assets | 0.6682% | 2,771 |
| Noninterest expense to average assets | 2.6949% | 4,085 |
| Loan and lease loss provision to assets | 0.4382% | 663 |
| Net operating income to assets | 1.1530% | 1,661 |
| Return on assets (ROA) | 1.1749% | 1,707 |
| Pretax return on assets | 1.1749% | 2,667 |
| Return on Equity (ROE) | 11.1646% | 1,654 |
| Retained earnings to average equity (ytd only) | 5.5693% | 2,918 |
| Net charge-offs to loans | -0.0295% | 5,891 |
| Credit loss provision to net charge-offs | -2,666.6667% | 5,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8754% | 5,171 |
| Assets per employee ($millions) | 3.1969% | 5,634 |
| Cash dividends to net income (ytd only)* | 50.1166% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7100% | 92 |
| Loan loss allowance to noncurrent loans | 82.2420% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 3.7550% | 1,101 |
| Noncurrent loans to loans | 6.9429% | 425 |
| Net loans and leases to total assets | 50.9129% | 4,857 |
| Net loans and leases to deposits | 59.2550% | 4,881 |
| Net loans and leases to core deposits | 64.2675% | 4,718 |
| Total domestic deposits to total assets | 85.9218% | 3,569 |
| Equity capital to assets | 10.4857% | 3,557 |
| Core capital (leverage) ratio | 10.3972% | 2,908 |
| Tier 1 risk-based capital ratio | 19.3157% | 1,950 |
| Total risk-based capital ratio | 20.6214% | 1,917 |
| Memoranda: | ||
| Average total assets | $146,056,000 | 3,878 |
| Average earning assets | $137,637,500 | 3,801 |
| Average equity | $15,370,000 | 3,928 |
| Average total loans | $81,370,000 | 3,978 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8712% | 1,943 |
| Cost of funding earning assets | 0.5545% | 4,776 |
| Net interest margin | 4.3167% | 1,366 |
| Noninterest income to average assets | 0.8295% | 2,135 |
| Noninterest expense to average assets | 2.7922% | 4,051 |
| Loan and lease loss provision to assets | 1.3362% | 258 |
| Net operating income to assets | 0.7347% | 3,586 |
| Return on assets (ROA) | 0.7419% | 3,791 |
| Pretax return on assets | 0.7419% | 4,511 |
| Return on Equity (ROE) | 7.9463% | 3,109 |
| Retained earnings to average equity (ytd only) | 7.9463% | 1,143 |
| Net charge-offs to loans | 0.5509% | 2,087 |
| Credit loss provision to net charge-offs | 405.8442% | 593 |
| Earnings coverage of net charge-offs (x) | 6.2900% | 2,840 |
| Efficiency ratio | 57.4150% | 5,907 |
| Assets per employee ($millions) | 3.0863% | 5,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2415% | 113 |
| Loan loss allowance to noncurrent loans | 95.4545% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 3.2374% | 1,428 |
| Noncurrent loans to loans | 5.4911% | 675 |
| Net loans and leases to total assets | 54.4394% | 4,560 |
| Net loans and leases to deposits | 63.4436% | 4,609 |
| Net loans and leases to core deposits | 68.5632% | 4,470 |
| Total domestic deposits to total assets | 85.8075% | 3,452 |
| Equity capital to assets | 10.5615% | 3,451 |
| Core capital (leverage) ratio | 10.8768% | 2,364 |
| Tier 1 risk-based capital ratio | 18.2172% | 2,190 |
| Total risk-based capital ratio | 19.5169% | 2,137 |
| Memoranda: | ||
| Average total assets | $140,320,400 | 3,943 |
| Average earning assets | $131,117,200 | 3,869 |
| Average equity | $13,100,400 | 4,336 |
| Average total loans | $83,869,200 | 3,913 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0286% | 1,611 |
| Cost of funding earning assets | 0.5828% | 4,809 |
| Net interest margin | 4.4458% | 1,098 |
| Noninterest income to average assets | 0.6325% | 3,093 |
| Noninterest expense to average assets | 2.8729% | 3,696 |
| Loan and lease loss provision to assets | 1.5524% | 201 |
| Net operating income to assets | 0.3517% | 5,426 |
| Return on assets (ROA) | 0.3737% | 5,559 |
| Pretax return on assets | 0.3737% | 5,782 |
| Return on Equity (ROE) | 4.1448% | 5,237 |
| Retained earnings to average equity (ytd only) | 4.1448% | 3,987 |
| Net charge-offs to loans | 0.6508% | 1,685 |
| Credit loss provision to net charge-offs | 395.1220% | 682 |
| Earnings coverage of net charge-offs (x) | 4.8464% | 3,189 |
| Efficiency ratio | 60.1404% | 5,469 |
| Assets per employee ($millions) | 3.1110% | 5,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2127% | 125 |
| Loan loss allowance to noncurrent loans | 129.8317% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 2.5153% | 2,106 |
| Noncurrent loans to loans | 4.0150% | 1,272 |
| Net loans and leases to total assets | 55.3282% | 4,548 |
| Net loans and leases to deposits | 63.7605% | 4,744 |
| Net loans and leases to core deposits | 69.3687% | 4,575 |
| Total domestic deposits to total assets | 86.7750% | 2,812 |
| Equity capital to assets | 9.2618% | 5,516 |
| Core capital (leverage) ratio | 8.9062% | 5,187 |
| Tier 1 risk-based capital ratio | 15.4062% | 3,595 |
| Total risk-based capital ratio | 16.7041% | 3,521 |
| Memoranda: | ||
| Average total assets | $139,136,750 | 4,003 |
| Average earning assets | $129,708,500 | 3,946 |
| Average equity | $12,545,500 | 4,492 |
| Average total loans | $84,002,750 | 3,954 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0788% | 1,569 |
| Cost of funding earning assets | 0.6021% | 4,884 |
| Net interest margin | 4.4767% | 1,035 |
| Noninterest income to average assets | 0.6977% | 2,687 |
| Noninterest expense to average assets | 2.8852% | 3,680 |
| Loan and lease loss provision to assets | 1.5441% | 225 |
| Net operating income to assets | 0.4461% | 5,052 |
| Return on assets (ROA) | 0.4618% | 5,232 |
| Pretax return on assets | 0.4618% | 5,544 |
| Return on Equity (ROE) | 5.1675% | 4,725 |
| Retained earnings to average equity (ytd only) | 5.1675% | 3,176 |
| Net charge-offs to loans | 0.3889% | 2,463 |
| Credit loss provision to net charge-offs | 650.6024% | 492 |
| Earnings coverage of net charge-offs (x) | 8.3855% | 2,301 |
| Efficiency ratio | 59.1789% | 5,712 |
| Assets per employee ($millions) | 3.2671% | 5,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6270% | 211 |
| Loan loss allowance to noncurrent loans | 121.4375% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 2.3439% | 2,383 |
| Noncurrent loans to loans | 3.8102% | 1,473 |
| Net loans and leases to total assets | 54.2433% | 4,756 |
| Net loans and leases to deposits | 61.8988% | 5,012 |
| Net loans and leases to core deposits | 67.0179% | 4,893 |
| Total domestic deposits to total assets | 87.6322% | 2,375 |
| Equity capital to assets | 8.6275% | 6,097 |
| Core capital (leverage) ratio | 8.6677% | 5,420 |
| Tier 1 risk-based capital ratio | 14.6584% | 3,988 |
| Total risk-based capital ratio | 15.9499% | 3,926 |
| Memoranda: | ||
| Average total assets | $139,887,330 | 4,013 |
| Average earning assets | $130,541,670 | 3,948 |
| Average equity | $12,501,330 | 4,499 |
| Average total loans | $85,370,000 | 3,933 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2330% | 1,244 |
| Cost of funding earning assets | 0.6384% | 4,829 |
| Net interest margin | 4.5946% | 831 |
| Noninterest income to average assets | 0.7072% | 2,629 |
| Noninterest expense to average assets | 2.9695% | 3,391 |
| Loan and lease loss provision to assets | 1.5845% | 216 |
| Net operating income to assets | 0.4401% | 5,083 |
| Return on assets (ROA) | 0.4401% | 5,275 |
| Pretax return on assets | 0.4401% | 5,614 |
| Return on Equity (ROE) | 4.8348% | 4,860 |
| Retained earnings to average equity (ytd only) | 4.8348% | 3,647 |
| Net charge-offs to loans | 0.3849% | 2,153 |
| Credit loss provision to net charge-offs | 650.6024% | 529 |
| Earnings coverage of net charge-offs (x) | 8.3133% | 1,971 |
| Efficiency ratio | 59.4595% | 5,700 |
| Assets per employee ($millions) | 3.0663% | 6,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9923% | 371 |
| Loan loss allowance to noncurrent loans | 150.9067% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 1.7696% | 3,215 |
| Noncurrent loans to loans | 2.6456% | 2,459 |
| Net loans and leases to total assets | 58.1727% | 4,007 |
| Net loans and leases to deposits | 66.6634% | 4,280 |
| Net loans and leases to core deposits | 72.2569% | 4,111 |
| Total domestic deposits to total assets | 87.2633% | 2,793 |
| Equity capital to assets | 8.8622% | 5,681 |
| Core capital (leverage) ratio | 8.9188% | 4,971 |
| Tier 1 risk-based capital ratio | 14.1050% | 4,396 |
| Total risk-based capital ratio | 15.3884% | 4,330 |
| Memoranda: | ||
| Average total assets | $136,321,500 | 4,105 |
| Average earning assets | $127,192,500 | 4,035 |
| Average equity | $12,410,000 | 4,524 |
| Average total loans | $86,246,500 | 3,934 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7721% | 676 |
| Cost of funding earning assets | 0.7606% | 5,130 |
| Net interest margin | 5.0115% | 410 |
| Noninterest income to average assets | 0.5917% | 3,209 |
| Noninterest expense to average assets | 3.0797% | 3,272 |
| Loan and lease loss provision to assets | 1.3639% | 579 |
| Net operating income to assets | 0.7807% | 3,135 |
| Return on assets (ROA) | 0.7830% | 3,286 |
| Pretax return on assets | 0.7830% | 4,041 |
| Return on Equity (ROE) | 8.6239% | 2,622 |
| Retained earnings to average equity (ytd only) | 8.6239% | 898 |
| Net charge-offs to loans | 0.7487% | 2,282 |
| Credit loss provision to net charge-offs | 270.9924% | 884 |
| Earnings coverage of net charge-offs (x) | 4.2611% | 3,193 |
| Efficiency ratio | 58.9498% | 5,906 |
| Assets per employee ($millions) | 2.7999% | 6,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3954% | 578 |
| Loan loss allowance to noncurrent loans | 116.5221% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 2.1057% | 2,843 |
| Noncurrent loans to loans | 2.9140% | 2,243 |
| Net loans and leases to total assets | 63.8889% | 3,212 |
| Net loans and leases to deposits | 73.9899% | 3,499 |
| Net loans and leases to core deposits | 80.8800% | 3,331 |
| Total domestic deposits to total assets | 86.3482% | 3,116 |
| Equity capital to assets | 9.3621% | 5,072 |
| Core capital (leverage) ratio | 9.2262% | 4,430 |
| Tier 1 risk-based capital ratio | 13.5987% | 4,621 |
| Total risk-based capital ratio | 14.8745% | 4,571 |
| Memoranda: | ||
| Average total assets | $130,143,000 | 4,167 |
| Average earning assets | $120,302,400 | 4,125 |
| Average equity | $11,816,000 | 4,596 |
| Average total loans | $87,488,800 | 3,923 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8469% | 633 |
| Cost of funding earning assets | 0.7836% | 5,255 |
| Net interest margin | 5.0633% | 370 |
| Noninterest income to average assets | 0.5620% | 3,433 |
| Noninterest expense to average assets | 3.1314% | 3,053 |
| Loan and lease loss provision to assets | 1.1815% | 667 |
| Net operating income to assets | 0.9226% | 2,662 |
| Return on assets (ROA) | 0.9236% | 2,797 |
| Pretax return on assets | 0.9236% | 3,675 |
| Return on Equity (ROE) | 10.2536% | 2,118 |
| Retained earnings to average equity (ytd only) | 10.2536% | 778 |
| Net charge-offs to loans | 0.3257% | 3,467 |
| Credit loss provision to net charge-offs | 537.3832% | 514 |
| Earnings coverage of net charge-offs (x) | 9.5700% | 2,031 |
| Efficiency ratio | 59.8116% | 5,755 |
| Assets per employee ($millions) | 2.7424% | 6,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2049% | 719 |
| Loan loss allowance to noncurrent loans | 107.7791% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 2.4788% | 2,597 |
| Noncurrent loans to loans | 2.9736% | 2,331 |
| Net loans and leases to total assets | 67.8157% | 2,515 |
| Net loans and leases to deposits | 79.3496% | 2,754 |
| Net loans and leases to core deposits | 87.3263% | 2,585 |
| Total domestic deposits to total assets | 85.4645% | 3,521 |
| Equity capital to assets | 9.8859% | 4,500 |
| Core capital (leverage) ratio | 9.2938% | 4,462 |
| Tier 1 risk-based capital ratio | 13.2739% | 4,898 |
| Total risk-based capital ratio | 14.5462% | 4,852 |
| Memoranda: | ||
| Average total assets | $129,780,250 | 4,203 |
| Average earning assets | $119,787,500 | 4,157 |
| Average equity | $11,690,000 | 4,640 |
| Average total loans | $87,603,750 | 3,955 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7901% | 730 |
| Cost of funding earning assets | 0.7982% | 5,377 |
| Net interest margin | 4.9918% | 399 |
| Noninterest income to average assets | 0.5762% | 3,293 |
| Noninterest expense to average assets | 3.1493% | 3,082 |
| Loan and lease loss provision to assets | 1.1372% | 703 |
| Net operating income to assets | 0.8885% | 2,692 |
| Return on assets (ROA) | 0.8900% | 2,790 |
| Pretax return on assets | 0.8900% | 3,654 |
| Return on Equity (ROE) | 10.1910% | 2,055 |
| Retained earnings to average equity (ytd only) | 10.1910% | 809 |
| Net charge-offs to loans | 0.0614% | 5,037 |
| Credit loss provision to net charge-offs | 2,777.7778% | 116 |
| Earnings coverage of net charge-offs (x) | 49.4815% | 629 |
| Efficiency ratio | 60.8556% | 5,751 |
| Assets per employee ($millions) | 2.9219% | 6,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8972% | 985 |
| Loan loss allowance to noncurrent loans | 77.6799% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 2.8726% | 2,338 |
| Noncurrent loans to loans | 3.7296% | 1,882 |
| Net loans and leases to total assets | 63.7876% | 3,511 |
| Net loans and leases to deposits | 73.3568% | 3,893 |
| Net loans and leases to core deposits | 80.5341% | 3,711 |
| Total domestic deposits to total assets | 86.9553% | 2,763 |
| Equity capital to assets | 8.6774% | 5,969 |
| Core capital (leverage) ratio | 8.6176% | 5,365 |
| Tier 1 risk-based capital ratio | 12.7647% | 5,118 |
| Total risk-based capital ratio | 14.0332% | 5,077 |
| Memoranda: | ||
| Average total assets | $131,904,330 | 4,183 |
| Average earning assets | $121,518,670 | 4,157 |
| Average equity | $11,520,000 | 4,683 |
| Average total loans | $87,984,670 | 3,985 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7526% | 800 |
| Cost of funding earning assets | 0.8137% | 5,504 |
| Net interest margin | 4.9389% | 427 |
| Noninterest income to average assets | 0.6337% | 2,938 |
| Noninterest expense to average assets | 3.0830% | 3,323 |
| Loan and lease loss provision to assets | 1.1481% | 622 |
| Net operating income to assets | 0.9368% | 2,416 |
| Return on assets (ROA) | 0.9399% | 2,461 |
| Pretax return on assets | 0.9399% | 3,363 |
| Return on Equity (ROE) | 10.7263% | 1,826 |
| Retained earnings to average equity (ytd only) | 10.7263% | 949 |
| Net charge-offs to loans | -0.0683% | 6,984 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6564% | 6,033 |
| Assets per employee ($millions) | 2.6948% | 6,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5404% | 1,403 |
| Loan loss allowance to noncurrent loans | 66.1022% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 3.1156% | 2,215 |
| Noncurrent loans to loans | 3.8432% | 1,912 |
| Net loans and leases to total assets | 64.6429% | 3,323 |
| Net loans and leases to deposits | 74.4583% | 3,688 |
| Net loans and leases to core deposits | 82.5770% | 3,372 |
| Total domestic deposits to total assets | 86.8176% | 3,041 |
| Equity capital to assets | 8.8362% | 5,435 |
| Core capital (leverage) ratio | 8.6368% | 5,195 |
| Tier 1 risk-based capital ratio | 12.7098% | 5,055 |
| Total risk-based capital ratio | 13.9435% | 5,048 |
| Memoranda: | ||
| Average total assets | $130,653,000 | 4,242 |
| Average earning assets | $119,945,500 | 4,224 |
| Average equity | $11,448,500 | 4,685 |
| Average total loans | $87,830,500 | 4,021 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9757% | 888 |
| Cost of funding earning assets | 1.0002% | 5,690 |
| Net interest margin | 4.9755% | 458 |
| Noninterest income to average assets | 0.5074% | 4,113 |
| Noninterest expense to average assets | 3.1477% | 3,283 |
| Loan and lease loss provision to assets | 0.8997% | 1,819 |
| Net operating income to assets | 1.0291% | 1,939 |
| Return on assets (ROA) | 1.0389% | 2,020 |
| Pretax return on assets | 1.0389% | 2,814 |
| Return on Equity (ROE) | 12.2410% | 1,272 |
| Retained earnings to average equity (ytd only) | 4.2577% | 2,864 |
| Net charge-offs to loans | 1.0949% | 2,037 |
| Credit loss provision to net charge-offs | 122.8160% | 3,395 |
| Earnings coverage of net charge-offs (x) | 2.6331% | 3,784 |
| Efficiency ratio | 62.0050% | 5,731 |
| Assets per employee ($millions) | 2.6379% | 6,787 |
| Cash dividends to net income (ytd only)* | 65.2174% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0834% | 2,109 |
| Loan loss allowance to noncurrent loans | 92.7705% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 2.1089% | 3,206 |
| Noncurrent loans to loans | 2.2458% | 3,279 |
| Net loans and leases to total assets | 66.7203% | 3,295 |
| Net loans and leases to deposits | 76.8892% | 3,705 |
| Net loans and leases to core deposits | 86.6292% | 3,236 |
| Total domestic deposits to total assets | 86.7746% | 2,941 |
| Equity capital to assets | 8.6872% | 5,604 |
| Core capital (leverage) ratio | 8.6771% | 5,059 |
| Tier 1 risk-based capital ratio | 12.3387% | 5,171 |
| Total risk-based capital ratio | 13.5989% | 5,136 |
| Memoranda: | ||
| Average total assets | $132,828,600 | 4,203 |
| Average earning assets | $121,978,000 | 4,189 |
| Average equity | $11,273,600 | 4,801 |
| Average total loans | $88,866,000 | 4,080 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9678% | 992 |
| Cost of funding earning assets | 1.0288% | 5,805 |
| Net interest margin | 4.9390% | 509 |
| Noninterest income to average assets | 0.4916% | 4,259 |
| Noninterest expense to average assets | 3.2455% | 2,757 |
| Loan and lease loss provision to assets | 0.8076% | 1,880 |
| Net operating income to assets | 0.9761% | 2,317 |
| Return on assets (ROA) | 0.9891% | 2,390 |
| Pretax return on assets | 0.9891% | 3,220 |
| Return on Equity (ROE) | 11.7205% | 1,584 |
| Retained earnings to average equity (ytd only) | 6.9945% | 1,849 |
| Net charge-offs to loans | 0.7051% | 2,652 |
| Credit loss provision to net charge-offs | 171.9745% | 2,150 |
| Earnings coverage of net charge-offs (x) | 3.7983% | 3,293 |
| Efficiency ratio | 64.5321% | 5,142 |
| Assets per employee ($millions) | 2.6439% | 6,859 |
| Cash dividends to net income (ytd only)* | 40.3227% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2171% | 1,771 |
| Loan loss allowance to noncurrent loans | 123.7793% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 1.7698% | 3,789 |
| Noncurrent loans to loans | 1.7912% | 3,960 |
| Net loans and leases to total assets | 67.8371% | 3,256 |
| Net loans and leases to deposits | 78.9187% | 3,644 |
| Net loans and leases to core deposits | 91.7882% | 2,840 |
| Total domestic deposits to total assets | 85.9582% | 3,097 |
| Equity capital to assets | 9.2351% | 5,253 |
| Core capital (leverage) ratio | 8.4158% | 5,672 |
| Tier 1 risk-based capital ratio | 12.3595% | 5,107 |
| Total risk-based capital ratio | 13.5680% | 5,138 |
| Memoranda: | ||
| Average total assets | $133,721,000 | 4,234 |
| Average earning assets | $122,856,000 | 4,226 |
| Average equity | $11,284,750 | 4,858 |
| Average total loans | $89,063,250 | 4,143 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8750% | 1,247 |
| Cost of funding earning assets | 1.0466% | 5,929 |
| Net interest margin | 4.8283% | 627 |
| Noninterest income to average assets | 0.5677% | 3,565 |
| Noninterest expense to average assets | 3.2355% | 2,783 |
| Loan and lease loss provision to assets | 0.7500% | 1,927 |
| Net operating income to assets | 1.0192% | 2,124 |
| Return on assets (ROA) | 1.0383% | 2,132 |
| Pretax return on assets | 1.0383% | 2,985 |
| Return on Equity (ROE) | 12.6754% | 1,318 |
| Retained earnings to average equity (ytd only) | 5.4939% | 2,615 |
| Net charge-offs to loans | 0.0917% | 5,214 |
| Credit loss provision to net charge-offs | 1,243.9024% | 315 |
| Earnings coverage of net charge-offs (x) | 29.3415% | 936 |
| Efficiency ratio | 64.6488% | 5,218 |
| Assets per employee ($millions) | 2.6982% | 6,783 |
| Cash dividends to net income (ytd only)* | 56.6572% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3297% | 1,539 |
| Loan loss allowance to noncurrent loans | 99.1901% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 2.2222% | 3,234 |
| Noncurrent loans to loans | 2.3487% | 3,315 |
| Net loans and leases to total assets | 63.4293% | 4,367 |
| Net loans and leases to deposits | 72.5284% | 4,904 |
| Net loans and leases to core deposits | 81.5161% | 4,488 |
| Total domestic deposits to total assets | 87.4544% | 2,287 |
| Equity capital to assets | 8.1273% | 6,625 |
| Core capital (leverage) ratio | 8.0408% | 6,219 |
| Tier 1 risk-based capital ratio | 11.8600% | 5,434 |
| Total risk-based capital ratio | 13.1104% | 5,404 |
| Memoranda: | ||
| Average total assets | $135,992,330 | 4,213 |
| Average earning assets | $124,970,670 | 4,210 |
| Average equity | $11,139,670 | 4,893 |
| Average total loans | $89,403,670 | 4,161 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9540% | 1,069 |
| Cost of funding earning assets | 1.1202% | 5,805 |
| Net interest margin | 4.8338% | 594 |
| Noninterest income to average assets | 0.7072% | 2,549 |
| Noninterest expense to average assets | 3.1957% | 2,882 |
| Loan and lease loss provision to assets | 0.6214% | 2,040 |
| Net operating income to assets | 1.3079% | 1,281 |
| Return on assets (ROA) | 1.3404% | 1,275 |
| Pretax return on assets | 1.3404% | 1,935 |
| Return on Equity (ROE) | 16.2986% | 682 |
| Retained earnings to average equity (ytd only) | 16.2986% | 323 |
| Net charge-offs to loans | 0.1342% | 4,145 |
| Credit loss provision to net charge-offs | 700.0000% | 638 |
| Earnings coverage of net charge-offs (x) | 21.7333% | 1,114 |
| Efficiency ratio | 62.3557% | 5,762 |
| Assets per employee ($millions) | 2.5517% | 7,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0032% | 2,179 |
| Loan loss allowance to noncurrent loans | 103.6416% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 2.1374% | 3,338 |
| Noncurrent loans to loans | 1.9328% | 3,884 |
| Net loans and leases to total assets | 66.1072% | 3,825 |
| Net loans and leases to deposits | 76.1415% | 4,385 |
| Net loans and leases to core deposits | 85.8184% | 3,927 |
| Total domestic deposits to total assets | 86.8215% | 2,724 |
| Equity capital to assets | 8.6075% | 5,861 |
| Core capital (leverage) ratio | 7.9249% | 6,348 |
| Tier 1 risk-based capital ratio | 12.0394% | 5,159 |
| Total risk-based capital ratio | 13.2983% | 5,114 |
| Memoranda: | ||
| Average total assets | $135,183,500 | 4,297 |
| Average earning assets | $123,546,500 | 4,292 |
| Average equity | $11,117,500 | 4,944 |
| Average total loans | $89,422,000 | 4,210 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3610% | 906 |
| Cost of funding earning assets | 1.6475% | 4,811 |
| Net interest margin | 4.7135% | 813 |
| Noninterest income to average assets | 0.5679% | 3,882 |
| Noninterest expense to average assets | 3.4373% | 2,563 |
| Loan and lease loss provision to assets | 0.5979% | 3,403 |
| Net operating income to assets | 0.8225% | 2,441 |
| Return on assets (ROA) | 0.8233% | 2,530 |
| Pretax return on assets | 0.8233% | 3,176 |
| Return on Equity (ROE) | 11.2943% | 1,358 |
| Retained earnings to average equity (ytd only) | 11.2943% | 266 |
| Net charge-offs to loans | 1.2110% | 2,034 |
| Credit loss provision to net charge-offs | 72.9464% | 6,433 |
| Earnings coverage of net charge-offs (x) | 1.7330% | 4,428 |
| Efficiency ratio | 70.7593% | 4,483 |
| Assets per employee ($millions) | 2.4155% | 7,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8055% | 2,525 |
| Loan loss allowance to noncurrent loans | 167.4974% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 1.5035% | 4,125 |
| Noncurrent loans to loans | 1.0780% | 5,163 |
| Net loans and leases to total assets | 63.7147% | 4,649 |
| Net loans and leases to deposits | 73.9866% | 5,039 |
| Net loans and leases to core deposits | 97.5394% | 4,278 |
| Total domestic deposits to total assets | 86.1165% | 2,954 |
| Equity capital to assets | 7.8544% | 6,715 |
| Core capital (leverage) ratio | 7.9521% | 6,258 |
| Tier 1 risk-based capital ratio | 11.1224% | 5,805 |
| Total risk-based capital ratio | 12.3778% | 5,749 |
| Memoranda: | ||
| Average total assets | $136,649,800 | 4,198 |
| Average earning assets | $124,367,200 | 4,208 |
| Average equity | $9,960,800 | 5,303 |
| Average total loans | $92,483,600 | 4,146 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4644% | 813 |
| Cost of funding earning assets | 1.7613% | 4,581 |
| Net interest margin | 4.7032% | 823 |
| Noninterest income to average assets | 0.5279% | 4,256 |
| Noninterest expense to average assets | 3.5759% | 2,077 |
| Loan and lease loss provision to assets | 0.3578% | 4,175 |
| Net operating income to assets | 0.8700% | 2,537 |
| Return on assets (ROA) | 0.8700% | 2,607 |
| Pretax return on assets | 0.8700% | 3,319 |
| Return on Equity (ROE) | 12.1738% | 1,312 |
| Retained earnings to average equity (ytd only) | 12.1738% | 328 |
| Net charge-offs to loans | 0.9592% | 2,058 |
| Credit loss provision to net charge-offs | 54.5455% | 6,250 |
| Earnings coverage of net charge-offs (x) | 1.8718% | 4,406 |
| Efficiency ratio | 74.4404% | 3,796 |
| Assets per employee ($millions) | 2.4380% | 7,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7987% | 2,283 |
| Loan loss allowance to noncurrent loans | 98.4719% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 1.8203% | 3,620 |
| Noncurrent loans to loans | 1.8266% | 3,878 |
| Net loans and leases to total assets | 68.0695% | 3,941 |
| Net loans and leases to deposits | 79.8667% | 4,408 |
| Net loans and leases to core deposits | 105.5326% | 3,751 |
| Total domestic deposits to total assets | 85.2289% | 3,112 |
| Equity capital to assets | 8.1424% | 6,701 |
| Core capital (leverage) ratio | 7.5849% | 6,879 |
| Tier 1 risk-based capital ratio | 11.1691% | 5,793 |
| Total risk-based capital ratio | 12.4248% | 5,727 |
| Memoranda: | ||
| Average total assets | $136,392,000 | 4,227 |
| Average earning assets | $123,998,500 | 4,246 |
| Average equity | $9,747,500 | 5,416 |
| Average total loans | $93,270,500 | 4,168 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4692% | 880 |
| Cost of funding earning assets | 1.8343% | 4,587 |
| Net interest margin | 4.6350% | 898 |
| Noninterest income to average assets | 0.4770% | 4,654 |
| Noninterest expense to average assets | 3.5278% | 2,262 |
| Loan and lease loss provision to assets | 0.2205% | 4,829 |
| Net operating income to assets | 0.9237% | 2,369 |
| Return on assets (ROA) | 0.9237% | 2,462 |
| Pretax return on assets | 0.9237% | 3,263 |
| Return on Equity (ROE) | 13.5094% | 1,068 |
| Retained earnings to average equity (ytd only) | 13.5094% | 282 |
| Net charge-offs to loans | 0.5545% | 2,667 |
| Credit loss provision to net charge-offs | 58.3969% | 5,623 |
| Earnings coverage of net charge-offs (x) | 3.0305% | 3,600 |
| Efficiency ratio | 75.5089% | 3,785 |
| Assets per employee ($millions) | 2.6169% | 7,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9535% | 1,665 |
| Loan loss allowance to noncurrent loans | 142.1715% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 1.5002% | 3,983 |
| Noncurrent loans to loans | 1.3741% | 4,463 |
| Net loans and leases to total assets | 64.1776% | 4,947 |
| Net loans and leases to deposits | 73.8961% | 5,469 |
| Net loans and leases to core deposits | 97.2892% | 4,759 |
| Total domestic deposits to total assets | 86.8484% | 2,335 |
| Equity capital to assets | 6.9243% | 7,650 |
| Core capital (leverage) ratio | 7.0321% | 7,514 |
| Tier 1 risk-based capital ratio | 10.5084% | 6,374 |
| Total risk-based capital ratio | 11.7662% | 6,309 |
| Memoranda: | ||
| Average total assets | $138,785,330 | 4,197 |
| Average earning assets | $125,609,670 | 4,234 |
| Average equity | $9,489,670 | 5,516 |
| Average total loans | $94,505,670 | 4,158 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6804% | 601 |
| Cost of funding earning assets | 1.9115% | 4,574 |
| Net interest margin | 4.7690% | 649 |
| Noninterest income to average assets | 0.3810% | 5,376 |
| Noninterest expense to average assets | 3.4148% | 2,312 |
| Loan and lease loss provision to assets | 0.2211% | 4,241 |
| Net operating income to assets | 0.9977% | 2,323 |
| Return on assets (ROA) | 1.0209% | 2,367 |
| Pretax return on assets | 1.0209% | 3,270 |
| Return on Equity (ROE) | 15.0289% | 970 |
| Retained earnings to average equity (ytd only) | 15.0289% | 411 |
| Net charge-offs to loans | 0.0754% | 4,425 |
| Credit loss provision to net charge-offs | 422.2222% | 1,253 |
| Earnings coverage of net charge-offs (x) | 23.2778% | 1,282 |
| Efficiency ratio | 73.6974% | 3,877 |
| Assets per employee ($millions) | 2.6132% | 7,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0765% | 1,279 |
| Loan loss allowance to noncurrent loans | 151.1485% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 1.0587% | 4,571 |
| Noncurrent loans to loans | 1.3738% | 4,257 |
| Net loans and leases to total assets | 65.9675% | 4,591 |
| Net loans and leases to deposits | 76.2548% | 5,186 |
| Net loans and leases to core deposits | 101.9260% | 4,354 |
| Total domestic deposits to total assets | 86.5093% | 2,439 |
| Equity capital to assets | 6.8173% | 7,762 |
| Core capital (leverage) ratio | 7.1167% | 7,541 |
| Tier 1 risk-based capital ratio | 10.2916% | 6,599 |
| Total risk-based capital ratio | 11.5517% | 6,523 |
| Memoranda: | ||
| Average total assets | $137,521,000 | 4,239 |
| Average earning assets | $122,626,500 | 4,314 |
| Average equity | $9,342,000 | 5,583 |
| Average total loans | $95,509,000 | 4,165 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1641% | 797 |
| Cost of funding earning assets | 2.1725% | 5,718 |
| Net interest margin | 4.9916% | 518 |
| Noninterest income to average assets | 0.6742% | 3,298 |
| Noninterest expense to average assets | 3.4502% | 2,526 |
| Loan and lease loss provision to assets | 0.0620% | 6,627 |
| Net operating income to assets | 1.7232% | 646 |
| Return on assets (ROA) | 1.0682% | 2,179 |
| Pretax return on assets | 1.0682% | 3,144 |
| Return on Equity (ROE) | 15.1699% | 898 |
| Retained earnings to average equity (ytd only) | 1.2886% | 4,442 |
| Net charge-offs to loans | 0.1890% | 4,293 |
| Credit loss provision to net charge-offs | 48.2759% | 6,370 |
| Earnings coverage of net charge-offs (x) | 13.9080% | 2,095 |
| Efficiency ratio | 65.9011% | 5,143 |
| Assets per employee ($millions) | 2.3916% | 7,414 |
| Cash dividends to net income (ytd only)* | 91.5055% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9967% | 1,231 |
| Loan loss allowance to noncurrent loans | 382.4351% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.9057% | 4,579 |
| Noncurrent loans to loans | 0.5221% | 5,788 |
| Net loans and leases to total assets | 70.2158% | 3,969 |
| Net loans and leases to deposits | 81.5491% | 4,785 |
| Net loans and leases to core deposits | 109.4341% | 3,815 |
| Total domestic deposits to total assets | 86.1024% | 2,354 |
| Equity capital to assets | 6.7677% | 7,844 |
| Core capital (leverage) ratio | 7.1044% | 7,612 |
| Tier 1 risk-based capital ratio | 9.6953% | 7,088 |
| Total risk-based capital ratio | 10.9536% | 6,982 |
| Memoranda: | ||
| Average total assets | $135,559,200 | 4,173 |
| Average earning assets | $123,867,600 | 4,174 |
| Average equity | $9,545,200 | 5,558 |
| Average total loans | $92,041,200 | 4,158 |