Home > Currie State Bank > Performance and Condition Ratios
Currie State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5082% | 347 |
| Cost of funding earning assets | 1.6536% | 1,556 |
| Net interest margin | 4.8546% | 387 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 2.8949% | 1,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2791% | 1,472 |
| Return on assets (ROA) | 1.2791% | 1,445 |
| Pretax return on assets | 1.7913% | 899 |
| Return on Equity (ROE) | 11.8200% | 2,003 |
| Retained earnings to average equity (ytd only) | 3.2136% | 3,212 |
| Net charge-offs to loans | -0.0012% | 3,623 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.7743% | 2,863 |
| Assets per employee ($millions) | 5.2389% | 3,441 |
| Cash dividends to net income (ytd only)* | 72.8130% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6954% | 671 |
| Loan loss allowance to noncurrent loans | 101.0738% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 1.5801% | 229 |
| Noncurrent loans to loans | 1.6774% | 377 |
| Net loans and leases to total assets | 92.6000% | 11 |
| Net loans and leases to deposits | 106.5538% | 273 |
| Net loans and leases to core deposits | 141.3680% | 266 |
| Total domestic deposits to total assets | 86.9100% | 1,709 |
| Equity capital to assets | 10.8865% | 1,531 |
| Core capital (leverage) ratio | 11.1566% | 1,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $91,161,200 | 3,908 |
| Average earning assets | $85,692,200 | 3,876 |
| Average equity | $9,864,200 | 3,737 |
| Average total loans | $86,564,400 | 3,338 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4247% | 327 |
| Cost of funding earning assets | 1.4651% | 1,693 |
| Net interest margin | 4.9597% | 325 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 2.9446% | 1,148 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3410% | 1,441 |
| Return on assets (ROA) | 1.3410% | 1,426 |
| Pretax return on assets | 1.8692% | 902 |
| Return on Equity (ROE) | 12.4100% | 2,028 |
| Retained earnings to average equity (ytd only) | 0.8193% | 3,984 |
| Net charge-offs to loans | -0.0016% | 3,539 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.1707% | 2,824 |
| Assets per employee ($millions) | 4.9303% | 3,653 |
| Cash dividends to net income (ytd only)* | 93.3993% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8132% | 554 |
| Loan loss allowance to noncurrent loans | 99.2749% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 1.7094% | 189 |
| Noncurrent loans to loans | 1.8265% | 353 |
| Net loans and leases to total assets | 91.8900% | 15 |
| Net loans and leases to deposits | 104.7850% | 330 |
| Net loans and leases to core deposits | 129.4506% | 349 |
| Total domestic deposits to total assets | 87.7000% | 1,666 |
| Equity capital to assets | 11.2783% | 1,245 |
| Core capital (leverage) ratio | 10.6498% | 2,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $90,376,500 | 3,926 |
| Average earning assets | $85,272,500 | 3,892 |
| Average equity | $9,763,750 | 3,745 |
| Average total loans | $85,998,250 | 3,345 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1300% | 385 |
| Cost of funding earning assets | 1.1655% | 2,090 |
| Net interest margin | 4.9645% | 322 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 3.0312% | 992 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2780% | 1,624 |
| Return on assets (ROA) | 1.2780% | 1,615 |
| Pretax return on assets | 1.7950% | 1,020 |
| Return on Equity (ROE) | 12.0000% | 2,156 |
| Retained earnings to average equity (ytd only) | -5.5360% | 4,441 |
| Net charge-offs to loans | -0.0138% | 4,020 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.8077% | 2,613 |
| Assets per employee ($millions) | 4.9921% | 3,606 |
| Cash dividends to net income (ytd only)* | 146.1274% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6638% | 812 |
| Loan loss allowance to noncurrent loans | 100.3987% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 1.5867% | 217 |
| Noncurrent loans to loans | 1.6572% | 383 |
| Net loans and leases to total assets | 94.1600% | 7 |
| Net loans and leases to deposits | 105.9031% | 313 |
| Net loans and leases to core deposits | 135.0170% | 261 |
| Total domestic deposits to total assets | 88.9100% | 1,290 |
| Equity capital to assets | 10.2067% | 1,741 |
| Core capital (leverage) ratio | 10.5734% | 2,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $90,920,000 | 3,931 |
| Average earning assets | $85,970,000 | 3,898 |
| Average equity | $9,682,000 | 3,777 |
| Average total loans | $86,979,000 | 3,335 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8719% | 374 |
| Cost of funding earning assets | 0.7334% | 2,950 |
| Net interest margin | 5.1385% | 241 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 3.0262% | 1,016 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4209% | 1,351 |
| Return on assets (ROA) | 1.4209% | 1,325 |
| Pretax return on assets | 1.9785% | 812 |
| Return on Equity (ROE) | 13.0500% | 1,974 |
| Retained earnings to average equity (ytd only) | -22.0191% | 4,603 |
| Net charge-offs to loans | -0.0188% | 4,086 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.4672% | 2,898 |
| Assets per employee ($millions) | 4.6217% | 3,948 |
| Cash dividends to net income (ytd only)* | 268.6709% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7884% | 674 |
| Loan loss allowance to noncurrent loans | 96.1146% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 1.7879% | 155 |
| Noncurrent loans to loans | 1.8607% | 320 |
| Net loans and leases to total assets | 94.3700% | 6 |
| Net loans and leases to deposits | 106.6924% | 235 |
| Net loans and leases to core deposits | 123.6614% | 371 |
| Total domestic deposits to total assets | 88.4500% | 1,759 |
| Equity capital to assets | 10.7229% | 1,445 |
| Core capital (leverage) ratio | 10.8974% | 1,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $88,955,500 | 4,005 |
| Average earning assets | $83,993,000 | 3,970 |
| Average equity | $9,682,500 | 3,820 |
| Average total loans | $85,059,500 | 3,401 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2457% | 209 |
| Cost of funding earning assets | 0.4063% | 2,042 |
| Net interest margin | 4.8394% | 171 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 2.8411% | 1,239 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3338% | 1,332 |
| Return on assets (ROA) | 1.3338% | 1,292 |
| Pretax return on assets | 1.8614% | 638 |
| Return on Equity (ROE) | 12.3800% | 2,011 |
| Retained earnings to average equity (ytd only) | 6.8596% | 2,297 |
| Net charge-offs to loans | -0.3814% | 4,688 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.4177% | 2,995 |
| Assets per employee ($millions) | 4.7421% | 3,863 |
| Cash dividends to net income (ytd only)* | 44.6062% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7553% | 722 |
| Loan loss allowance to noncurrent loans | 93.7695% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 1.7814% | 150 |
| Noncurrent loans to loans | 1.8719% | 310 |
| Net loans and leases to total assets | 93.4900% | 9 |
| Net loans and leases to deposits | 115.8375% | 97 |
| Net loans and leases to core deposits | 128.6395% | 245 |
| Total domestic deposits to total assets | 80.7100% | 3,792 |
| Equity capital to assets | 11.0423% | 1,239 |
| Core capital (leverage) ratio | 11.2852% | 1,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $87,570,200 | 4,042 |
| Average earning assets | $82,696,000 | 4,010 |
| Average equity | $9,432,000 | 3,941 |
| Average total loans | $79,977,800 | 3,418 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0423% | 200 |
| Cost of funding earning assets | 0.3616% | 1,606 |
| Net interest margin | 4.6808% | 170 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 2.8311% | 1,188 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2407% | 1,549 |
| Return on assets (ROA) | 1.2407% | 1,529 |
| Pretax return on assets | 1.7345% | 839 |
| Return on Equity (ROE) | 11.5900% | 2,176 |
| Retained earnings to average equity (ytd only) | 4.1277% | 3,402 |
| Net charge-offs to loans | -0.4193% | 4,720 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.0087% | 2,821 |
| Assets per employee ($millions) | 4.4922% | 4,060 |
| Cash dividends to net income (ytd only)* | 64.4005% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8027% | 722 |
| Loan loss allowance to noncurrent loans | 58.2060% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 2.9126% | 55 |
| Noncurrent loans to loans | 3.0972% | 149 |
| Net loans and leases to total assets | 92.3500% | 9 |
| Net loans and leases to deposits | 105.0779% | 206 |
| Net loans and leases to core deposits | 115.8572% | 333 |
| Total domestic deposits to total assets | 87.8800% | 2,464 |
| Equity capital to assets | 11.2358% | 1,087 |
| Core capital (leverage) ratio | 10.8417% | 1,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $86,938,000 | 4,079 |
| Average earning assets | $82,234,750 | 4,045 |
| Average equity | $9,302,750 | 4,004 |
| Average total loans | $78,536,750 | 3,444 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8348% | 215 |
| Cost of funding earning assets | 0.3669% | 1,134 |
| Net interest margin | 4.4679% | 201 |
| Noninterest income to average assets | 0.1349% | 4,335 |
| Noninterest expense to average assets | 2.6684% | 1,464 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2165% | 1,379 |
| Return on assets (ROA) | 1.2165% | 1,364 |
| Pretax return on assets | 1.6989% | 755 |
| Return on Equity (ROE) | 11.5564% | 1,813 |
| Retained earnings to average equity (ytd only) | 0.2389% | 4,144 |
| Net charge-offs to loans | -0.6234% | 4,705 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0995% | 3,169 |
| Assets per employee ($millions) | 4.6666% | 3,960 |
| Cash dividends to net income (ytd only)* | 97.9323% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8664% | 716 |
| Loan loss allowance to noncurrent loans | 57.8357% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 2.8140% | 70 |
| Noncurrent loans to loans | 3.2271% | 151 |
| Net loans and leases to total assets | 85.5715% | 105 |
| Net loans and leases to deposits | 96.4924% | 410 |
| Net loans and leases to core deposits | 108.5048% | 381 |
| Total domestic deposits to total assets | 88.6821% | 2,305 |
| Equity capital to assets | 10.5047% | 1,428 |
| Core capital (leverage) ratio | 10.5213% | 1,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,466,667 | 4,108 |
| Average earning assets | $82,858,000 | 4,093 |
| Average equity | $9,207,000 | 4,084 |
| Average total loans | $77,960,000 | 3,484 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7844% | 205 |
| Cost of funding earning assets | 0.3934% | 909 |
| Net interest margin | 4.3909% | 202 |
| Noninterest income to average assets | 0.1520% | 4,240 |
| Noninterest expense to average assets | 2.8779% | 1,002 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0315% | 1,756 |
| Return on assets (ROA) | 1.0315% | 1,745 |
| Pretax return on assets | 1.4367% | 1,157 |
| Return on Equity (ROE) | 9.7886% | 2,052 |
| Retained earnings to average equity (ytd only) | -12.9786% | 4,614 |
| Net charge-offs to loans | -0.0204% | 3,927 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7022% | 2,675 |
| Assets per employee ($millions) | 4.4372% | 4,170 |
| Cash dividends to net income (ytd only)* | 232.5893% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6053% | 1,255 |
| Loan loss allowance to noncurrent loans | 63.1358% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 2.1489% | 126 |
| Noncurrent loans to loans | 2.5427% | 235 |
| Net loans and leases to total assets | 83.1560% | 116 |
| Net loans and leases to deposits | 93.3878% | 386 |
| Net loans and leases to core deposits | 107.6230% | 312 |
| Total domestic deposits to total assets | 89.0438% | 2,060 |
| Equity capital to assets | 10.1472% | 1,794 |
| Core capital (leverage) ratio | 10.0703% | 2,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,867,500 | 4,133 |
| Average earning assets | $82,351,500 | 4,106 |
| Average equity | $9,153,500 | 4,144 |
| Average total loans | $78,282,500 | 3,485 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7031% | 106 |
| Cost of funding earning assets | 0.6159% | 506 |
| Net interest margin | 5.0872% | 126 |
| Noninterest income to average assets | 0.1245% | 4,516 |
| Noninterest expense to average assets | 2.9049% | 1,140 |
| Loan and lease loss provision to assets | 0.3914% | 177 |
| Net operating income to assets | 1.1687% | 2,028 |
| Return on assets (ROA) | 1.1687% | 2,087 |
| Pretax return on assets | 1.6173% | 1,379 |
| Return on Equity (ROE) | 11.4087% | 2,011 |
| Retained earnings to average equity (ytd only) | 5.3540% | 2,642 |
| Net charge-offs to loans | 0.4106% | 201 |
| Credit loss provision to net charge-offs | 107.7160% | 1,723 |
| Earnings coverage of net charge-offs (x) | 5.5278% | 2,442 |
| Efficiency ratio | 59.1189% | 3,279 |
| Assets per employee ($millions) | 4.4732% | 4,135 |
| Cash dividends to net income (ytd only)* | 53.0710% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4712% | 1,656 |
| Loan loss allowance to noncurrent loans | 63.8978% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 2.2096% | 133 |
| Noncurrent loans to loans | 2.3025% | 310 |
| Net loans and leases to total assets | 94.5571% | 4 |
| Net loans and leases to deposits | 108.2474% | 92 |
| Net loans and leases to core deposits | 125.9422% | 122 |
| Total domestic deposits to total assets | 87.3528% | 2,359 |
| Equity capital to assets | 10.9447% | 1,824 |
| Core capital (leverage) ratio | 10.5201% | 1,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,160,200 | 4,106 |
| Average earning assets | $83,936,800 | 4,080 |
| Average equity | $9,133,400 | 4,232 |
| Average total loans | $78,905,200 | 3,502 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8055% | 108 |
| Cost of funding earning assets | 0.6651% | 462 |
| Net interest margin | 5.1403% | 134 |
| Noninterest income to average assets | 0.1242% | 4,570 |
| Noninterest expense to average assets | 2.8572% | 1,208 |
| Loan and lease loss provision to assets | 0.4434% | 138 |
| Net operating income to assets | 1.1855% | 2,218 |
| Return on assets (ROA) | 1.1855% | 2,273 |
| Pretax return on assets | 1.6555% | 1,533 |
| Return on Equity (ROE) | 11.7619% | 2,131 |
| Retained earnings to average equity (ytd only) | 3.6518% | 3,697 |
| Net charge-offs to loans | 0.5572% | 138 |
| Credit loss provision to net charge-offs | 91.7431% | 1,653 |
| Earnings coverage of net charge-offs (x) | 4.3425% | 2,274 |
| Efficiency ratio | 57.6499% | 3,328 |
| Assets per employee ($millions) | 4.6288% | 4,029 |
| Cash dividends to net income (ytd only)* | 68.9526% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5536% | 1,451 |
| Loan loss allowance to noncurrent loans | 60.9989% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 2.1399% | 163 |
| Noncurrent loans to loans | 2.5469% | 290 |
| Net loans and leases to total assets | 82.7136% | 157 |
| Net loans and leases to deposits | 93.4017% | 434 |
| Net loans and leases to core deposits | 112.8617% | 275 |
| Total domestic deposits to total assets | 88.5569% | 1,539 |
| Equity capital to assets | 10.3050% | 2,608 |
| Core capital (leverage) ratio | 9.9531% | 2,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,202,500 | 4,145 |
| Average earning assets | $84,791,750 | 4,124 |
| Average equity | $9,091,250 | 4,295 |
| Average total loans | $78,240,250 | 3,553 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6528% | 140 |
| Cost of funding earning assets | 0.7092% | 446 |
| Net interest margin | 4.9436% | 177 |
| Noninterest income to average assets | 0.1187% | 4,606 |
| Noninterest expense to average assets | 2.8036% | 1,348 |
| Loan and lease loss provision to assets | 0.1979% | 562 |
| Net operating income to assets | 1.2600% | 1,991 |
| Return on assets (ROA) | 1.2600% | 2,066 |
| Pretax return on assets | 1.7613% | 1,327 |
| Return on Equity (ROE) | 12.5925% | 1,853 |
| Retained earnings to average equity (ytd only) | 12.5925% | 791 |
| Net charge-offs to loans | 0.6827% | 117 |
| Credit loss provision to net charge-offs | 33.0882% | 1,690 |
| Earnings coverage of net charge-offs (x) | 3.2757% | 2,080 |
| Efficiency ratio | 58.8643% | 3,168 |
| Assets per employee ($millions) | 4.7263% | 3,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2847% | 2,513 |
| Loan loss allowance to noncurrent loans | 50.9231% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 2.1715% | 183 |
| Noncurrent loans to loans | 2.5228% | 326 |
| Net loans and leases to total assets | 84.9698% | 107 |
| Net loans and leases to deposits | 96.3202% | 372 |
| Net loans and leases to core deposits | 121.3937% | 203 |
| Total domestic deposits to total assets | 88.2159% | 1,713 |
| Equity capital to assets | 10.4533% | 2,434 |
| Core capital (leverage) ratio | 10.2788% | 2,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,954,000 | 4,163 |
| Average earning assets | $85,444,667 | 4,138 |
| Average equity | $9,100,667 | 4,317 |
| Average total loans | $79,689,333 | 3,556 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7678% | 142 |
| Cost of funding earning assets | 0.7391% | 470 |
| Net interest margin | 5.0287% | 177 |
| Noninterest income to average assets | 0.1311% | 4,550 |
| Noninterest expense to average assets | 2.8886% | 1,178 |
| Loan and lease loss provision to assets | 0.1967% | 620 |
| Net operating income to assets | 1.2455% | 1,993 |
| Return on assets (ROA) | 1.2455% | 2,075 |
| Pretax return on assets | 1.7437% | 1,407 |
| Return on Equity (ROE) | 12.7268% | 1,745 |
| Retained earnings to average equity (ytd only) | 12.7268% | 974 |
| Net charge-offs to loans | 1.3649% | 51 |
| Credit loss provision to net charge-offs | 16.3043% | 1,434 |
| Earnings coverage of net charge-offs (x) | 1.6087% | 1,840 |
| Efficiency ratio | 59.8190% | 3,056 |
| Assets per employee ($millions) | 5.0218% | 3,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 3,124 |
| Loan loss allowance to noncurrent loans | 42.3889% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 2.4637% | 171 |
| Noncurrent loans to loans | 2.7479% | 311 |
| Net loans and leases to total assets | 88.6151% | 35 |
| Net loans and leases to deposits | 99.9988% | 287 |
| Net loans and leases to core deposits | 132.5517% | 130 |
| Total domestic deposits to total assets | 88.6162% | 1,548 |
| Equity capital to assets | 10.0673% | 2,647 |
| Core capital (leverage) ratio | 9.7500% | 2,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,531,500 | 4,167 |
| Average earning assets | $85,509,500 | 4,148 |
| Average equity | $8,957,500 | 4,340 |
| Average total loans | $80,886,500 | 3,543 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1254% | 81 |
| Cost of funding earning assets | 1.1172% | 374 |
| Net interest margin | 5.0081% | 124 |
| Noninterest income to average assets | 0.1338% | 4,615 |
| Noninterest expense to average assets | 2.8738% | 1,753 |
| Loan and lease loss provision to assets | 0.1686% | 2,275 |
| Net operating income to assets | 1.2401% | 1,414 |
| Return on assets (ROA) | 1.2401% | 1,519 |
| Pretax return on assets | 1.7180% | 826 |
| Return on Equity (ROE) | 13.0889% | 1,022 |
| Retained earnings to average equity (ytd only) | 3.1209% | 3,277 |
| Net charge-offs to loans | 0.1214% | 1,280 |
| Credit loss provision to net charge-offs | 153.0612% | 2,407 |
| Earnings coverage of net charge-offs (x) | 17.1224% | 2,094 |
| Efficiency ratio | 60.3684% | 3,403 |
| Assets per employee ($millions) | 4.6336% | 3,778 |
| Cash dividends to net income (ytd only)* | 76.1559% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4555% | 1,748 |
| Loan loss allowance to noncurrent loans | 47.1509% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 2.6891% | 156 |
| Noncurrent loans to loans | 3.0869% | 270 |
| Net loans and leases to total assets | 85.8445% | 102 |
| Net loans and leases to deposits | 96.3905% | 536 |
| Net loans and leases to core deposits | 135.6726% | 153 |
| Total domestic deposits to total assets | 89.0591% | 962 |
| Equity capital to assets | 9.5121% | 3,595 |
| Core capital (leverage) ratio | 9.2364% | 3,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,941,600 | 4,128 |
| Average earning assets | $82,166,400 | 4,132 |
| Average equity | $8,427,000 | 4,377 |
| Average total loans | $80,709,600 | 3,541 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2427% | 80 |
| Cost of funding earning assets | 1.2027% | 368 |
| Net interest margin | 5.0400% | 131 |
| Noninterest income to average assets | 0.1470% | 4,566 |
| Noninterest expense to average assets | 2.9163% | 1,664 |
| Loan and lease loss provision to assets | 0.1591% | 2,410 |
| Net operating income to assets | 1.2438% | 1,506 |
| Return on assets (ROA) | 1.2438% | 1,620 |
| Pretax return on assets | 1.7377% | 895 |
| Return on Equity (ROE) | 13.1409% | 1,067 |
| Retained earnings to average equity (ytd only) | -0.3041% | 4,527 |
| Net charge-offs to loans | 0.2643% | 584 |
| Credit loss provision to net charge-offs | 65.6250% | 2,829 |
| Earnings coverage of net charge-offs (x) | 7.8250% | 2,544 |
| Efficiency ratio | 60.5918% | 3,289 |
| Assets per employee ($millions) | 4.6251% | 3,691 |
| Cash dividends to net income (ytd only)* | 102.3143% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3445% | 1,982 |
| Loan loss allowance to noncurrent loans | 38.2659% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 5.4583% | 47 |
| Noncurrent loans to loans | 3.5137% | 228 |
| Net loans and leases to total assets | 84.7169% | 226 |
| Net loans and leases to deposits | 94.9487% | 847 |
| Net loans and leases to core deposits | 139.0715% | 170 |
| Total domestic deposits to total assets | 89.2239% | 678 |
| Equity capital to assets | 9.2258% | 3,928 |
| Core capital (leverage) ratio | 9.1762% | 3,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,009,250 | 4,148 |
| Average earning assets | $81,479,750 | 4,143 |
| Average equity | $8,330,000 | 4,408 |
| Average total loans | $80,705,000 | 3,562 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3643% | 99 |
| Cost of funding earning assets | 1.3105% | 347 |
| Net interest margin | 5.0538% | 185 |
| Noninterest income to average assets | 0.1503% | 4,553 |
| Noninterest expense to average assets | 3.0100% | 1,551 |
| Loan and lease loss provision to assets | 0.1387% | 2,625 |
| Net operating income to assets | 1.2230% | 1,575 |
| Return on assets (ROA) | 1.2230% | 1,698 |
| Pretax return on assets | 1.7177% | 964 |
| Return on Equity (ROE) | 12.8056% | 1,147 |
| Retained earnings to average equity (ytd only) | -7.5284% | 4,864 |
| Net charge-offs to loans | 0.3698% | 431 |
| Credit loss provision to net charge-offs | 40.0000% | 2,669 |
| Earnings coverage of net charge-offs (x) | 5.3533% | 2,517 |
| Efficiency ratio | 61.8527% | 3,149 |
| Assets per employee ($millions) | 4.6624% | 3,580 |
| Cash dividends to net income (ytd only)* | 158.7902% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 2,221 |
| Loan loss allowance to noncurrent loans | 38.7763% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 4.4860% | 65 |
| Noncurrent loans to loans | 3.2401% | 271 |
| Net loans and leases to total assets | 91.6477% | 13 |
| Net loans and leases to deposits | 105.0638% | 343 |
| Net loans and leases to core deposits | 151.7230% | 99 |
| Total domestic deposits to total assets | 87.2305% | 1,529 |
| Equity capital to assets | 9.3051% | 3,825 |
| Core capital (leverage) ratio | 9.2952% | 3,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,512,000 | 4,171 |
| Average earning assets | $80,731,333 | 4,155 |
| Average equity | $8,262,000 | 4,433 |
| Average total loans | $81,129,333 | 3,558 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3366% | 103 |
| Cost of funding earning assets | 1.4042% | 390 |
| Net interest margin | 4.9323% | 219 |
| Noninterest income to average assets | 0.1825% | 4,454 |
| Noninterest expense to average assets | 2.8546% | 2,259 |
| Loan and lease loss provision to assets | 0.1404% | 1,983 |
| Net operating income to assets | 1.2963% | 1,254 |
| Return on assets (ROA) | 1.2963% | 1,352 |
| Pretax return on assets | 1.8064% | 685 |
| Return on Equity (ROE) | 13.3954% | 806 |
| Retained earnings to average equity (ytd only) | -27.2260% | 5,027 |
| Net charge-offs to loans | 0.2581% | 571 |
| Credit loss provision to net charge-offs | 57.6923% | 2,025 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 1,889 |
| Efficiency ratio | 59.4542% | 3,812 |
| Assets per employee ($millions) | 4.6580% | 3,057 |
| Cash dividends to net income (ytd only)* | 303.2491% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3647% | 1,836 |
| Loan loss allowance to noncurrent loans | 42.7075% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 3.0748% | 186 |
| Noncurrent loans to loans | 3.1954% | 315 |
| Net loans and leases to total assets | 94.9120% | 4 |
| Net loans and leases to deposits | 107.2176% | 256 |
| Net loans and leases to core deposits | 153.0994% | 107 |
| Total domestic deposits to total assets | 88.5227% | 873 |
| Equity capital to assets | 9.5296% | 4,186 |
| Core capital (leverage) ratio | 9.2871% | 4,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,475,000 | 4,194 |
| Average earning assets | $80,043,500 | 4,169 |
| Average equity | $8,271,500 | 4,460 |
| Average total loans | $80,584,000 | 3,569 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4603% | 116 |
| Cost of funding earning assets | 1.4033% | 558 |
| Net interest margin | 5.0570% | 236 |
| Noninterest income to average assets | 0.1808% | 4,586 |
| Noninterest expense to average assets | 2.8356% | 2,490 |
| Loan and lease loss provision to assets | 0.1446% | 1,479 |
| Net operating income to assets | 1.3557% | 1,484 |
| Return on assets (ROA) | 1.3557% | 1,567 |
| Pretax return on assets | 1.8908% | 760 |
| Return on Equity (ROE) | 13.7581% | 949 |
| Retained earnings to average equity (ytd only) | 2.0179% | 3,993 |
| Net charge-offs to loans | -0.0105% | 4,481 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2138% | 3,933 |
| Assets per employee ($millions) | 4.8392% | 2,788 |
| Cash dividends to net income (ytd only)* | 85.3333% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3952% | 1,536 |
| Loan loss allowance to noncurrent loans | 59.1364% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 2.1801% | 342 |
| Noncurrent loans to loans | 2.3593% | 492 |
| Net loans and leases to total assets | 91.1143% | 28 |
| Net loans and leases to deposits | 108.9384% | 208 |
| Net loans and leases to core deposits | 146.5994% | 139 |
| Total domestic deposits to total assets | 83.6383% | 2,979 |
| Equity capital to assets | 9.8191% | 4,089 |
| Core capital (leverage) ratio | 10.1212% | 3,390 |
| Tier 1 risk-based capital ratio | 10.5834% | 4,996 |
| Total risk-based capital ratio | 11.8345% | 4,915 |
| Memoranda: | ||
| Average total assets | $82,981,800 | 4,242 |
| Average earning assets | $76,962,400 | 4,231 |
| Average equity | $8,177,000 | 4,487 |
| Average total loans | $76,317,800 | 3,661 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5091% | 109 |
| Cost of funding earning assets | 1.4058% | 570 |
| Net interest margin | 5.1033% | 230 |
| Noninterest income to average assets | 0.1855% | 4,612 |
| Noninterest expense to average assets | 2.8748% | 2,331 |
| Loan and lease loss provision to assets | 0.1464% | 1,303 |
| Net operating income to assets | 1.3634% | 1,601 |
| Return on assets (ROA) | 1.3634% | 1,669 |
| Pretax return on assets | 1.9068% | 852 |
| Return on Equity (ROE) | 13.8230% | 1,020 |
| Retained earnings to average equity (ytd only) | -2.0124% | 4,926 |
| Net charge-offs to loans | -0.0053% | 4,220 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3361% | 3,885 |
| Assets per employee ($millions) | 4.5974% | 3,054 |
| Cash dividends to net income (ytd only)* | 114.5582% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4755% | 1,320 |
| Loan loss allowance to noncurrent loans | 57.3537% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 2.2924% | 329 |
| Noncurrent loans to loans | 2.5727% | 440 |
| Net loans and leases to total assets | 87.7890% | 104 |
| Net loans and leases to deposits | 99.5083% | 681 |
| Net loans and leases to core deposits | 142.8251% | 157 |
| Total domestic deposits to total assets | 88.2228% | 943 |
| Equity capital to assets | 9.9876% | 4,031 |
| Core capital (leverage) ratio | 9.7351% | 3,929 |
| Tier 1 risk-based capital ratio | 11.0146% | 4,903 |
| Total risk-based capital ratio | 12.2665% | 4,792 |
| Memoranda: | ||
| Average total assets | $81,950,750 | 4,311 |
| Average earning assets | $76,158,500 | 4,298 |
| Average equity | $8,083,000 | 4,544 |
| Average total loans | $75,275,000 | 3,720 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4221% | 126 |
| Cost of funding earning assets | 1.3413% | 659 |
| Net interest margin | 5.0807% | 245 |
| Noninterest income to average assets | 0.1885% | 4,628 |
| Noninterest expense to average assets | 2.8696% | 2,355 |
| Loan and lease loss provision to assets | 0.1469% | 1,255 |
| Net operating income to assets | 1.3516% | 1,569 |
| Return on assets (ROA) | 1.3516% | 1,634 |
| Pretax return on assets | 1.8927% | 850 |
| Return on Equity (ROE) | 13.7616% | 1,032 |
| Retained earnings to average equity (ytd only) | -10.1716% | 5,181 |
| Net charge-offs to loans | -0.0158% | 4,473 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4539% | 3,948 |
| Assets per employee ($millions) | 4.9136% | 2,588 |
| Cash dividends to net income (ytd only)* | 173.9130% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3554% | 1,794 |
| Loan loss allowance to noncurrent loans | 83.5433% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 1.5204% | 737 |
| Noncurrent loans to loans | 1.6224% | 950 |
| Net loans and leases to total assets | 92.4400% | 18 |
| Net loans and leases to deposits | 105.9276% | 345 |
| Net loans and leases to core deposits | 154.3260% | 112 |
| Total domestic deposits to total assets | 87.2672% | 1,455 |
| Equity capital to assets | 9.5508% | 4,358 |
| Core capital (leverage) ratio | 9.4360% | 4,214 |
| Tier 1 risk-based capital ratio | 10.2954% | 5,172 |
| Total risk-based capital ratio | 11.5472% | 5,092 |
| Memoranda: | ||
| Average total assets | $81,683,330 | 4,353 |
| Average earning assets | $75,894,330 | 4,332 |
| Average equity | $8,022,330 | 4,580 |
| Average total loans | $75,788,000 | 3,733 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5239% | 117 |
| Cost of funding earning assets | 1.2363% | 805 |
| Net interest margin | 5.2876% | 175 |
| Noninterest income to average assets | 0.1684% | 4,729 |
| Noninterest expense to average assets | 2.9520% | 2,127 |
| Loan and lease loss provision to assets | 0.1486% | 1,139 |
| Net operating income to assets | 1.4017% | 1,371 |
| Return on assets (ROA) | 1.4017% | 1,404 |
| Pretax return on assets | 1.9614% | 684 |
| Return on Equity (ROE) | 14.0717% | 952 |
| Retained earnings to average equity (ytd only) | -33.6628% | 5,316 |
| Net charge-offs to loans | -0.0429% | 4,787 |
| Credit loss provision to net charge-offs | -375.0000% | 3,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3170% | 4,038 |
| Assets per employee ($millions) | 4.6667% | 2,960 |
| Cash dividends to net income (ytd only)* | 339.2226% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3827% | 1,746 |
| Loan loss allowance to noncurrent loans | 116.7232% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 1.1155% | 1,232 |
| Noncurrent loans to loans | 1.1846% | 1,399 |
| Net loans and leases to total assets | 92.8706% | 13 |
| Net loans and leases to deposits | 106.6144% | 304 |
| Net loans and leases to core deposits | 156.1008% | 107 |
| Total domestic deposits to total assets | 87.1089% | 1,750 |
| Equity capital to assets | 9.7159% | 4,077 |
| Core capital (leverage) ratio | 9.5636% | 4,062 |
| Tier 1 risk-based capital ratio | 10.5349% | 5,172 |
| Total risk-based capital ratio | 11.7864% | 5,072 |
| Memoranda: | ||
| Average total assets | $80,759,000 | 4,405 |
| Average earning assets | $74,740,500 | 4,397 |
| Average equity | $8,044,500 | 4,617 |
| Average total loans | $74,543,000 | 3,791 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4956% | 88 |
| Cost of funding earning assets | 1.0391% | 642 |
| Net interest margin | 5.4565% | 119 |
| Noninterest income to average assets | 0.2034% | 4,696 |
| Noninterest expense to average assets | 2.8578% | 2,494 |
| Loan and lease loss provision to assets | 0.1507% | 1,407 |
| Net operating income to assets | 1.6135% | 842 |
| Return on assets (ROA) | 1.6135% | 836 |
| Pretax return on assets | 2.2652% | 311 |
| Return on Equity (ROE) | 16.1965% | 589 |
| Retained earnings to average equity (ytd only) | 3.5292% | 3,648 |
| Net charge-offs to loans | -0.0164% | 4,636 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1905% | 4,602 |
| Assets per employee ($millions) | 4.8344% | 2,693 |
| Cash dividends to net income (ytd only)* | 78.2101% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3378% | 1,881 |
| Loan loss allowance to noncurrent loans | 204.3121% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.5926% | 2,257 |
| Noncurrent loans to loans | 0.6548% | 2,355 |
| Net loans and leases to total assets | 89.2875% | 76 |
| Net loans and leases to deposits | 103.4716% | 510 |
| Net loans and leases to core deposits | 152.8750% | 125 |
| Total domestic deposits to total assets | 86.2917% | 2,094 |
| Equity capital to assets | 10.1978% | 3,469 |
| Core capital (leverage) ratio | 10.0885% | 3,476 |
| Tier 1 risk-based capital ratio | 11.3555% | 4,792 |
| Total risk-based capital ratio | 12.6071% | 4,697 |
| Memoranda: | ||
| Average total assets | $79,640,600 | 4,435 |
| Average earning assets | $74,004,000 | 4,423 |
| Average equity | $7,933,800 | 4,618 |
| Average total loans | $73,360,400 | 3,802 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4389% | 92 |
| Cost of funding earning assets | 0.9725% | 672 |
| Net interest margin | 5.4664% | 110 |
| Noninterest income to average assets | 0.1991% | 4,779 |
| Noninterest expense to average assets | 2.8791% | 2,374 |
| Loan and lease loss provision to assets | 0.1519% | 1,298 |
| Net operating income to assets | 1.6252% | 909 |
| Return on assets (ROA) | 1.6252% | 913 |
| Pretax return on assets | 2.2715% | 357 |
| Return on Equity (ROE) | 16.4149% | 622 |
| Retained earnings to average equity (ytd only) | -0.7159% | 5,114 |
| Net charge-offs to loans | -0.0018% | 4,078 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2966% | 4,580 |
| Assets per employee ($millions) | 4.7206% | 2,820 |
| Cash dividends to net income (ytd only)* | 104.3615% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 2,213 |
| Loan loss allowance to noncurrent loans | 1,036.9565% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.1146% | 4,398 |
| Noncurrent loans to loans | 0.1231% | 4,339 |
| Net loans and leases to total assets | 91.9688% | 28 |
| Net loans and leases to deposits | 106.2340% | 431 |
| Net loans and leases to core deposits | 159.1071% | 93 |
| Total domestic deposits to total assets | 86.5720% | 1,933 |
| Equity capital to assets | 10.0411% | 3,597 |
| Core capital (leverage) ratio | 9.8057% | 3,842 |
| Tier 1 risk-based capital ratio | 10.7904% | 5,135 |
| Total risk-based capital ratio | 12.0399% | 5,037 |
| Memoranda: | ||
| Average total assets | $79,004,750 | 4,492 |
| Average earning assets | $73,758,250 | 4,470 |
| Average equity | $7,822,000 | 4,681 |
| Average total loans | $73,106,750 | 3,847 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3619% | 88 |
| Cost of funding earning assets | 0.8932% | 755 |
| Net interest margin | 5.4686% | 114 |
| Noninterest income to average assets | 0.1960% | 4,842 |
| Noninterest expense to average assets | 2.8604% | 2,464 |
| Loan and lease loss provision to assets | 0.1527% | 1,236 |
| Net operating income to assets | 1.6262% | 860 |
| Return on assets (ROA) | 1.6262% | 865 |
| Pretax return on assets | 2.2777% | 344 |
| Return on Equity (ROE) | 16.5045% | 583 |
| Retained earnings to average equity (ytd only) | -9.4533% | 5,409 |
| Net charge-offs to loans | -0.0055% | 4,129 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0645% | 4,685 |
| Assets per employee ($millions) | 4.7426% | 2,762 |
| Cash dividends to net income (ytd only)* | 157.2770% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 2,537 |
| Loan loss allowance to noncurrent loans | 267.3410% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.4291% | 3,010 |
| Noncurrent loans to loans | 0.4612% | 3,052 |
| Net loans and leases to total assets | 91.9119% | 28 |
| Net loans and leases to deposits | 112.4543% | 223 |
| Net loans and leases to core deposits | 158.7693% | 82 |
| Total domestic deposits to total assets | 81.7327% | 3,800 |
| Equity capital to assets | 9.5913% | 4,012 |
| Core capital (leverage) ratio | 9.5024% | 4,112 |
| Tier 1 risk-based capital ratio | 10.3456% | 5,328 |
| Total risk-based capital ratio | 11.5957% | 5,239 |
| Memoranda: | ||
| Average total assets | $78,589,670 | 4,545 |
| Average earning assets | $73,217,670 | 4,523 |
| Average equity | $7,743,330 | 4,736 |
| Average total loans | $72,556,000 | 3,881 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3220% | 89 |
| Cost of funding earning assets | 0.8222% | 861 |
| Net interest margin | 5.4998% | 109 |
| Noninterest income to average assets | 0.1753% | 4,973 |
| Noninterest expense to average assets | 2.9805% | 2,113 |
| Loan and lease loss provision to assets | 0.1547% | 1,170 |
| Net operating income to assets | 1.5315% | 1,003 |
| Return on assets (ROA) | 1.5315% | 1,009 |
| Pretax return on assets | 2.1451% | 418 |
| Return on Equity (ROE) | 15.3320% | 744 |
| Retained earnings to average equity (ytd only) | -36.5490% | 5,568 |
| Net charge-offs to loans | -0.1010% | 5,209 |
| Credit loss provision to net charge-offs | -166.6667% | 3,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4453% | 4,524 |
| Assets per employee ($millions) | 4.8975% | 2,609 |
| Cash dividends to net income (ytd only)* | 338.3838% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 2,513 |
| Loan loss allowance to noncurrent loans | 706.2016% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.1838% | 4,166 |
| Noncurrent loans to loans | 0.1772% | 4,176 |
| Net loans and leases to total assets | 91.7573% | 30 |
| Net loans and leases to deposits | 110.8061% | 231 |
| Net loans and leases to core deposits | 145.6990% | 158 |
| Total domestic deposits to total assets | 82.8088% | 3,723 |
| Equity capital to assets | 9.4321% | 4,148 |
| Core capital (leverage) ratio | 9.3728% | 4,219 |
| Tier 1 risk-based capital ratio | 10.2009% | 5,445 |
| Total risk-based capital ratio | 11.4501% | 5,373 |
| Memoranda: | ||
| Average total assets | $77,572,000 | 4,613 |
| Average earning assets | $72,002,000 | 4,595 |
| Average equity | $7,748,500 | 4,788 |
| Average total loans | $71,319,500 | 3,941 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1226% | 113 |
| Cost of funding earning assets | 0.6385% | 1,362 |
| Net interest margin | 5.4841% | 105 |
| Noninterest income to average assets | 0.2302% | 4,757 |
| Noninterest expense to average assets | 2.6836% | 3,185 |
| Loan and lease loss provision to assets | 0.1552% | 1,452 |
| Net operating income to assets | 1.7072% | 518 |
| Return on assets (ROA) | 1.7072% | 533 |
| Pretax return on assets | 2.5452% | 166 |
| Return on Equity (ROE) | 17.4603% | 351 |
| Retained earnings to average equity (ytd only) | 7.3810% | 961 |
| Net charge-offs to loans | -0.0308% | 5,070 |
| Credit loss provision to net charge-offs | -545.4545% | 4,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8439% | 5,225 |
| Assets per employee ($millions) | 4.7990% | 2,735 |
| Cash dividends to net income (ytd only)* | 57.7273% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2359% | 2,562 |
| Loan loss allowance to noncurrent loans | 1,327.6923% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.1042% | 4,613 |
| Noncurrent loans to loans | 0.0931% | 4,575 |
| Net loans and leases to total assets | 89.8156% | 82 |
| Net loans and leases to deposits | 105.4866% | 423 |
| Net loans and leases to core deposits | 138.3958% | 230 |
| Total domestic deposits to total assets | 85.1440% | 2,779 |
| Equity capital to assets | 10.5569% | 3,100 |
| Core capital (leverage) ratio | 10.4197% | 2,945 |
| Tier 1 risk-based capital ratio | 11.5135% | 4,840 |
| Total risk-based capital ratio | 12.7634% | 4,740 |
| Memoranda: | ||
| Average total assets | $77,321,800 | 4,638 |
| Average earning assets | $72,665,200 | 4,607 |
| Average equity | $7,560,000 | 4,850 |
| Average total loans | $71,503,200 | 3,929 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0642% | 121 |
| Cost of funding earning assets | 0.6030% | 1,513 |
| Net interest margin | 5.4612% | 110 |
| Noninterest income to average assets | 0.2393% | 4,773 |
| Noninterest expense to average assets | 2.5648% | 3,518 |
| Loan and lease loss provision to assets | 0.1549% | 1,333 |
| Net operating income to assets | 1.5974% | 722 |
| Return on assets (ROA) | 1.5974% | 740 |
| Pretax return on assets | 2.6802% | 160 |
| Return on Equity (ROE) | 16.6673% | 464 |
| Retained earnings to average equity (ytd only) | 2.9815% | 4,141 |
| Net charge-offs to loans | -0.0630% | 5,237 |
| Credit loss provision to net charge-offs | -264.7059% | 4,682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4976% | 5,368 |
| Assets per employee ($millions) | 4.7953% | 2,703 |
| Cash dividends to net income (ytd only)* | 82.1119% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1963% | 2,953 |
| Loan loss allowance to noncurrent loans | 898.9362% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 4,631 |
| Noncurrent loans to loans | 0.1331% | 4,528 |
| Net loans and leases to total assets | 90.9650% | 53 |
| Net loans and leases to deposits | 112.0563% | 216 |
| Net loans and leases to core deposits | 144.3027% | 159 |
| Total domestic deposits to total assets | 81.1780% | 4,000 |
| Equity capital to assets | 10.0594% | 3,849 |
| Core capital (leverage) ratio | 9.7713% | 3,854 |
| Tier 1 risk-based capital ratio | 10.8304% | 5,328 |
| Total risk-based capital ratio | 12.0516% | 5,255 |
| Memoranda: | ||
| Average total assets | $77,456,250 | 4,685 |
| Average earning assets | $73,193,250 | 4,643 |
| Average equity | $7,423,500 | 4,923 |
| Average total loans | $71,922,250 | 3,953 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8996% | 140 |
| Cost of funding earning assets | 0.5655% | 1,678 |
| Net interest margin | 5.3341% | 134 |
| Noninterest income to average assets | 0.2291% | 4,870 |
| Noninterest expense to average assets | 2.5380% | 3,622 |
| Loan and lease loss provision to assets | 0.1544% | 1,299 |
| Net operating income to assets | 1.5418% | 799 |
| Return on assets (ROA) | 1.5418% | 820 |
| Pretax return on assets | 2.5869% | 188 |
| Return on Equity (ROE) | 16.3542% | 483 |
| Retained earnings to average equity (ytd only) | -4.4503% | 5,511 |
| Net charge-offs to loans | 0.0055% | 3,267 |
| Credit loss provision to net charge-offs | 3,000.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 532.5000% | 158 |
| Efficiency ratio | 48.0741% | 5,389 |
| Assets per employee ($millions) | 5.2155% | 2,140 |
| Cash dividends to net income (ytd only)* | 127.2120% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0684% | 3,744 |
| Loan loss allowance to noncurrent loans | 43.7149% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 2.2778% | 512 |
| Noncurrent loans to loans | 2.4439% | 627 |
| Net loans and leases to total assets | 92.2078% | 33 |
| Net loans and leases to deposits | 105.3311% | 426 |
| Net loans and leases to core deposits | 144.2691% | 158 |
| Total domestic deposits to total assets | 87.5409% | 1,693 |
| Equity capital to assets | 9.4475% | 4,458 |
| Core capital (leverage) ratio | 9.1900% | 4,505 |
| Tier 1 risk-based capital ratio | 10.1782% | 5,585 |
| Total risk-based capital ratio | 11.2862% | 5,571 |
| Memoranda: | ||
| Average total assets | $77,700,330 | 4,708 |
| Average earning assets | $73,564,670 | 4,668 |
| Average equity | $7,325,330 | 4,962 |
| Average total loans | $72,350,670 | 3,969 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7799% | 162 |
| Cost of funding earning assets | 0.5071% | 2,027 |
| Net interest margin | 5.2728% | 142 |
| Noninterest income to average assets | 0.2221% | 4,945 |
| Noninterest expense to average assets | 2.7688% | 2,893 |
| Loan and lease loss provision to assets | 0.1550% | 1,175 |
| Net operating income to assets | 1.3637% | 1,083 |
| Return on assets (ROA) | 1.3637% | 1,119 |
| Pretax return on assets | 2.2936% | 307 |
| Return on Equity (ROE) | 14.4806% | 730 |
| Retained earnings to average equity (ytd only) | -27.3157% | 5,782 |
| Net charge-offs to loans | 0.0167% | 2,459 |
| Credit loss provision to net charge-offs | 1,000.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 342 |
| Efficiency ratio | 53.0693% | 5,200 |
| Assets per employee ($millions) | 5.5307% | 1,861 |
| Cash dividends to net income (ytd only)* | 288.6364% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0365% | 4,055 |
| Loan loss allowance to noncurrent loans | 151.7241% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.7374% | 2,455 |
| Noncurrent loans to loans | 0.6832% | 2,801 |
| Net loans and leases to total assets | 92.2330% | 17 |
| Net loans and leases to deposits | 109.3627% | 232 |
| Net loans and leases to core deposits | 141.1718% | 162 |
| Total domestic deposits to total assets | 84.3368% | 3,347 |
| Equity capital to assets | 9.1102% | 4,702 |
| Core capital (leverage) ratio | 9.0100% | 4,727 |
| Tier 1 risk-based capital ratio | 9.7500% | 5,743 |
| Total risk-based capital ratio | 10.8206% | 5,753 |
| Memoranda: | ||
| Average total assets | $77,434,500 | 4,762 |
| Average earning assets | $73,358,000 | 4,717 |
| Average equity | $7,292,500 | 5,004 |
| Average total loans | $72,068,500 | 4,001 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6437% | 206 |
| Cost of funding earning assets | 0.5970% | 1,357 |
| Net interest margin | 5.0466% | 231 |
| Noninterest income to average assets | 0.2036% | 5,194 |
| Noninterest expense to average assets | 2.4541% | 4,153 |
| Loan and lease loss provision to assets | 0.1032% | 2,322 |
| Net operating income to assets | 1.4664% | 893 |
| Return on assets (ROA) | 1.4664% | 915 |
| Pretax return on assets | 2.4486% | 216 |
| Return on Equity (ROE) | 16.6620% | 440 |
| Retained earnings to average equity (ytd only) | 8.7061% | 647 |
| Net charge-offs to loans | 0.0298% | 3,423 |
| Credit loss provision to net charge-offs | 375.0000% | 833 |
| Earnings coverage of net charge-offs (x) | 92.7500% | 640 |
| Efficiency ratio | 49.0245% | 5,527 |
| Assets per employee ($millions) | 5.1626% | 2,221 |
| Cash dividends to net income (ytd only)* | 47.7486% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 4,314 |
| Loan loss allowance to noncurrent loans | 735.7143% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.2273% | 4,398 |
| Noncurrent loans to loans | 0.1362% | 4,687 |
| Net loans and leases to total assets | 92.0105% | 31 |
| Net loans and leases to deposits | 103.2638% | 449 |
| Net loans and leases to core deposits | 136.3388% | 212 |
| Total domestic deposits to total assets | 89.1024% | 1,061 |
| Equity capital to assets | 9.7251% | 4,034 |
| Core capital (leverage) ratio | 10.3835% | 3,010 |
| Tier 1 risk-based capital ratio | 10.7015% | 5,485 |
| Total risk-based capital ratio | 11.7563% | 5,502 |
| Memoranda: | ||
| Average total assets | $72,693,400 | 4,874 |
| Average earning assets | $69,174,800 | 4,822 |
| Average equity | $6,397,800 | 5,209 |
| Average total loans | $67,018,800 | 4,117 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7202% | 183 |
| Cost of funding earning assets | 0.6062% | 1,276 |
| Net interest margin | 5.1140% | 206 |
| Noninterest income to average assets | 0.1921% | 5,313 |
| Noninterest expense to average assets | 2.4985% | 3,988 |
| Loan and lease loss provision to assets | 0.1119% | 2,060 |
| Net operating income to assets | 1.4655% | 947 |
| Return on assets (ROA) | 1.4655% | 990 |
| Pretax return on assets | 2.4575% | 235 |
| Return on Equity (ROE) | 17.1391% | 432 |
| Retained earnings to average equity (ytd only) | 6.0401% | 2,170 |
| Net charge-offs to loans | 0.0486% | 2,676 |
| Credit loss provision to net charge-offs | 250.0000% | 1,196 |
| Earnings coverage of net charge-offs (x) | 57.4153% | 990 |
| Efficiency ratio | 49.3010% | 5,541 |
| Assets per employee ($millions) | 5.8638% | 1,537 |
| Cash dividends to net income (ytd only)* | 64.7585% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0731% | 4,000 |
| Loan loss allowance to noncurrent loans | 621.2389% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 4,161 |
| Noncurrent loans to loans | 0.1727% | 4,665 |
| Net loans and leases to total assets | 91.9706% | 23 |
| Net loans and leases to deposits | 114.7793% | 172 |
| Net loans and leases to core deposits | 193.3033% | 48 |
| Total domestic deposits to total assets | 80.1282% | 4,484 |
| Equity capital to assets | 8.8907% | 5,249 |
| Core capital (leverage) ratio | 8.7523% | 5,096 |
| Tier 1 risk-based capital ratio | 9.9755% | 5,796 |
| Total risk-based capital ratio | 11.0985% | 5,798 |
| Memoranda: | ||
| Average total assets | $71,507,000 | 4,943 |
| Average earning assets | $68,177,500 | 4,882 |
| Average equity | $6,114,500 | 5,317 |
| Average total loans | $65,780,250 | 4,174 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6460% | 204 |
| Cost of funding earning assets | 0.5937% | 1,365 |
| Net interest margin | 5.0523% | 233 |
| Noninterest income to average assets | 0.1725% | 5,460 |
| Noninterest expense to average assets | 2.3453% | 4,483 |
| Loan and lease loss provision to assets | 0.1669% | 1,345 |
| Net operating income to assets | 1.4857% | 917 |
| Return on assets (ROA) | 1.4857% | 961 |
| Pretax return on assets | 2.4900% | 222 |
| Return on Equity (ROE) | 17.6025% | 389 |
| Retained earnings to average equity (ytd only) | 0.8241% | 5,052 |
| Net charge-offs to loans | 0.0546% | 2,420 |
| Credit loss provision to net charge-offs | 333.3333% | 885 |
| Earnings coverage of net charge-offs (x) | 53.0556% | 959 |
| Efficiency ratio | 46.8854% | 5,715 |
| Assets per employee ($millions) | 6.0367% | 1,373 |
| Cash dividends to net income (ytd only)* | 95.3184% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 4,088 |
| Loan loss allowance to noncurrent loans | 488.2759% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.3658% | 4,020 |
| Noncurrent loans to loans | 0.2200% | 4,553 |
| Net loans and leases to total assets | 90.0248% | 69 |
| Net loans and leases to deposits | 99.1576% | 770 |
| Net loans and leases to core deposits | 184.3974% | 54 |
| Total domestic deposits to total assets | 90.7896% | 232 |
| Equity capital to assets | 8.2938% | 5,700 |
| Core capital (leverage) ratio | 8.1727% | 5,613 |
| Tier 1 risk-based capital ratio | 9.4168% | 5,965 |
| Total risk-based capital ratio | 10.5310% | 5,968 |
| Memoranda: | ||
| Average total assets | $71,887,330 | 4,980 |
| Average earning assets | $68,721,000 | 4,914 |
| Average equity | $6,067,330 | 5,377 |
| Average total loans | $65,901,000 | 4,194 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5850% | 225 |
| Cost of funding earning assets | 0.5725% | 1,528 |
| Net interest margin | 5.0125% | 247 |
| Noninterest income to average assets | 0.1564% | 5,554 |
| Noninterest expense to average assets | 2.3684% | 4,461 |
| Loan and lease loss provision to assets | 0.1676% | 1,234 |
| Net operating income to assets | 1.4411% | 958 |
| Return on assets (ROA) | 1.4411% | 1,004 |
| Pretax return on assets | 2.4130% | 273 |
| Return on Equity (ROE) | 16.9264% | 446 |
| Retained earnings to average equity (ytd only) | 16.9264% | 155 |
| Net charge-offs to loans | 0.0425% | 2,150 |
| Credit loss provision to net charge-offs | 428.5714% | 674 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 727 |
| Efficiency ratio | 47.8555% | 5,731 |
| Assets per employee ($millions) | 6.0629% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 4,539 |
| Loan loss allowance to noncurrent loans | 459.3333% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.4110% | 3,946 |
| Noncurrent loans to loans | 0.2202% | 4,640 |
| Net loans and leases to total assets | 92.6630% | 22 |
| Net loans and leases to deposits | 104.0530% | 410 |
| Net loans and leases to core deposits | 186.3944% | 47 |
| Total domestic deposits to total assets | 89.0537% | 1,072 |
| Equity capital to assets | 8.5657% | 5,524 |
| Core capital (leverage) ratio | 8.7640% | 5,105 |
| Tier 1 risk-based capital ratio | 9.5748% | 5,998 |
| Total risk-based capital ratio | 10.6359% | 6,004 |
| Memoranda: | ||
| Average total assets | $71,611,000 | 5,039 |
| Average earning assets | $68,469,500 | 4,969 |
| Average equity | $6,097,000 | 5,402 |
| Average total loans | $65,890,500 | 4,221 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4704% | 280 |
| Cost of funding earning assets | 0.5500% | 1,755 |
| Net interest margin | 4.9204% | 292 |
| Noninterest income to average assets | 0.2534% | 5,077 |
| Noninterest expense to average assets | 2.3885% | 4,540 |
| Loan and lease loss provision to assets | 0.0589% | 3,132 |
| Net operating income to assets | 1.4941% | 877 |
| Return on assets (ROA) | 1.4941% | 909 |
| Pretax return on assets | 2.4858% | 213 |
| Return on Equity (ROE) | 17.9851% | 382 |
| Retained earnings to average equity (ytd only) | 9.8084% | 489 |
| Net charge-offs to loans | 0.0097% | 4,125 |
| Credit loss provision to net charge-offs | 666.6667% | 501 |
| Earnings coverage of net charge-offs (x) | 287.8333% | 248 |
| Efficiency ratio | 48.4170% | 5,825 |
| Assets per employee ($millions) | 5.8723% | 1,482 |
| Cash dividends to net income (ytd only)* | 45.4635% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 4,342 |
| Loan loss allowance to noncurrent loans | 171.6495% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.6528% | 3,084 |
| Noncurrent loans to loans | 0.6093% | 3,346 |
| Net loans and leases to total assets | 89.4163% | 78 |
| Net loans and leases to deposits | 103.7014% | 455 |
| Net loans and leases to core deposits | 186.7708% | 49 |
| Total domestic deposits to total assets | 86.2248% | 2,524 |
| Equity capital to assets | 8.4607% | 5,592 |
| Core capital (leverage) ratio | 8.5928% | 5,339 |
| Tier 1 risk-based capital ratio | 9.7957% | 5,994 |
| Total risk-based capital ratio | 10.8905% | 6,010 |
| Memoranda: | ||
| Average total assets | $67,866,800 | 5,134 |
| Average earning assets | $64,547,200 | 5,073 |
| Average equity | $5,638,000 | 5,517 |
| Average total loans | $62,070,800 | 4,320 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4447% | 295 |
| Cost of funding earning assets | 0.5395% | 1,890 |
| Net interest margin | 4.9052% | 309 |
| Noninterest income to average assets | 0.2638% | 5,051 |
| Noninterest expense to average assets | 2.3763% | 4,577 |
| Loan and lease loss provision to assets | 0.0198% | 3,878 |
| Net operating income to assets | 1.5155% | 896 |
| Return on assets (ROA) | 1.5155% | 931 |
| Pretax return on assets | 2.5390% | 228 |
| Return on Equity (ROE) | 18.3308% | 382 |
| Retained earnings to average equity (ytd only) | 7.2699% | 1,560 |
| Net charge-offs to loans | -0.0065% | 4,876 |
| Credit loss provision to net charge-offs | -333.3333% | 5,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1511% | 5,861 |
| Assets per employee ($millions) | 5.6791% | 1,608 |
| Cash dividends to net income (ytd only)* | 60.3403% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0289% | 4,590 |
| Loan loss allowance to noncurrent loans | 120.1117% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.9010% | 2,621 |
| Noncurrent loans to loans | 0.8566% | 2,830 |
| Net loans and leases to total assets | 91.0402% | 42 |
| Net loans and leases to deposits | 103.7109% | 459 |
| Net loans and leases to core deposits | 198.6139% | 45 |
| Total domestic deposits to total assets | 87.7827% | 1,665 |
| Equity capital to assets | 8.3978% | 5,763 |
| Core capital (leverage) ratio | 8.4370% | 5,599 |
| Tier 1 risk-based capital ratio | 9.5851% | 6,129 |
| Total risk-based capital ratio | 10.6681% | 6,135 |
| Memoranda: | ||
| Average total assets | $67,216,750 | 5,213 |
| Average earning assets | $64,012,000 | 5,147 |
| Average equity | $5,557,000 | 5,601 |
| Average total loans | $61,669,750 | 4,378 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4172% | 305 |
| Cost of funding earning assets | 0.5310% | 1,972 |
| Net interest margin | 4.8861% | 308 |
| Noninterest income to average assets | 0.2631% | 5,067 |
| Noninterest expense to average assets | 2.3735% | 4,646 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5156% | 875 |
| Return on assets (ROA) | 1.5156% | 917 |
| Pretax return on assets | 2.5379% | 240 |
| Return on Equity (ROE) | 18.4308% | 382 |
| Retained earnings to average equity (ytd only) | 1.6722% | 4,858 |
| Net charge-offs to loans | -0.0130% | 5,014 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3262% | 5,944 |
| Assets per employee ($millions) | 5.6385% | 1,627 |
| Cash dividends to net income (ytd only)* | 90.9270% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0192% | 4,771 |
| Loan loss allowance to noncurrent loans | 108.9041% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 0.9828% | 2,560 |
| Noncurrent loans to loans | 0.9359% | 2,788 |
| Net loans and leases to total assets | 91.2817% | 38 |
| Net loans and leases to deposits | 108.2441% | 297 |
| Net loans and leases to core deposits | 206.0346% | 43 |
| Total domestic deposits to total assets | 84.3295% | 3,430 |
| Equity capital to assets | 8.0636% | 5,955 |
| Core capital (leverage) ratio | 8.1356% | 5,842 |
| Tier 1 risk-based capital ratio | 9.1464% | 6,243 |
| Total risk-based capital ratio | 10.2134% | 6,246 |
| Memoranda: | ||
| Average total assets | $66,906,000 | 5,283 |
| Average earning assets | $63,649,330 | 5,209 |
| Average equity | $5,501,670 | 5,665 |
| Average total loans | $61,330,330 | 4,428 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3111% | 348 |
| Cost of funding earning assets | 0.5197% | 2,114 |
| Net interest margin | 4.7914% | 359 |
| Noninterest income to average assets | 0.2285% | 5,322 |
| Noninterest expense to average assets | 2.4230% | 4,537 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3889% | 1,049 |
| Return on assets (ROA) | 1.3889% | 1,104 |
| Pretax return on assets | 2.3509% | 297 |
| Return on Equity (ROE) | 16.7255% | 493 |
| Retained earnings to average equity (ytd only) | 16.7255% | 190 |
| Net charge-offs to loans | -0.0132% | 4,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7557% | 5,868 |
| Assets per employee ($millions) | 5.5008% | 1,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 4,806 |
| Loan loss allowance to noncurrent loans | 257.7236% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.5014% | 4,015 |
| Noncurrent loans to loans | 0.4046% | 4,379 |
| Net loans and leases to total assets | 91.1436% | 40 |
| Net loans and leases to deposits | 106.2969% | 308 |
| Net loans and leases to core deposits | 190.7575% | 51 |
| Total domestic deposits to total assets | 85.7444% | 3,068 |
| Equity capital to assets | 8.5610% | 5,698 |
| Core capital (leverage) ratio | 8.6956% | 5,332 |
| Tier 1 risk-based capital ratio | 9.7341% | 6,228 |
| Total risk-based capital ratio | 10.8289% | 6,236 |
| Memoranda: | ||
| Average total assets | $66,528,000 | 5,341 |
| Average earning assets | $63,113,000 | 5,273 |
| Average equity | $5,524,500 | 5,712 |
| Average total loans | $60,796,000 | 4,473 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5913% | 275 |
| Cost of funding earning assets | 0.4999% | 2,681 |
| Net interest margin | 5.0915% | 255 |
| Noninterest income to average assets | 0.2104% | 5,601 |
| Noninterest expense to average assets | 2.5149% | 4,494 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.4986% | 884 |
| Return on assets (ROA) | 1.4986% | 918 |
| Pretax return on assets | 2.4922% | 190 |
| Return on Equity (ROE) | 18.2434% | 374 |
| Retained earnings to average equity (ytd only) | 10.9145% | 386 |
| Net charge-offs to loans | -0.1966% | 6,262 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2262% | 6,081 |
| Assets per employee ($millions) | 6.0952% | 1,316 |
| Cash dividends to net income (ytd only)* | 40.1728% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0396% | 4,856 |
| Loan loss allowance to noncurrent loans | 135.0427% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.8680% | 3,042 |
| Noncurrent loans to loans | 0.7698% | 3,389 |
| Net loans and leases to total assets | 89.7326% | 67 |
| Net loans and leases to deposits | 104.4877% | 419 |
| Net loans and leases to core deposits | 185.5108% | 50 |
| Total domestic deposits to total assets | 85.8786% | 2,904 |
| Equity capital to assets | 8.0511% | 6,043 |
| Core capital (leverage) ratio | 8.3852% | 5,680 |
| Tier 1 risk-based capital ratio | 9.2567% | 6,387 |
| Total risk-based capital ratio | 10.3389% | 6,383 |
| Memoranda: | ||
| Average total assets | $61,792,400 | 5,505 |
| Average earning assets | $58,215,200 | 5,450 |
| Average equity | $5,075,800 | 5,837 |
| Average total loans | $55,941,800 | 4,614 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6307% | 256 |
| Cost of funding earning assets | 0.5008% | 2,754 |
| Net interest margin | 5.1298% | 230 |
| Noninterest income to average assets | 0.2734% | 5,255 |
| Noninterest expense to average assets | 2.5353% | 4,413 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5630% | 823 |
| Return on assets (ROA) | 1.5630% | 859 |
| Pretax return on assets | 2.5705% | 188 |
| Return on Equity (ROE) | 18.9242% | 358 |
| Retained earnings to average equity (ytd only) | 8.9949% | 1,008 |
| Net charge-offs to loans | -0.2655% | 6,362 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6546% | 6,114 |
| Assets per employee ($millions) | 5.6631% | 1,586 |
| Cash dividends to net income (ytd only)* | 52.4685% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1174% | 4,670 |
| Loan loss allowance to noncurrent loans | 248.4252% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.6437% | 3,906 |
| Noncurrent loans to loans | 0.4498% | 4,547 |
| Net loans and leases to total assets | 89.6395% | 64 |
| Net loans and leases to deposits | 111.3304% | 192 |
| Net loans and leases to core deposits | 190.5217% | 47 |
| Total domestic deposits to total assets | 80.5166% | 4,960 |
| Equity capital to assets | 8.3026% | 5,938 |
| Core capital (leverage) ratio | 8.6421% | 5,506 |
| Tier 1 risk-based capital ratio | 9.4716% | 6,441 |
| Total risk-based capital ratio | 10.6233% | 6,428 |
| Memoranda: | ||
| Average total assets | $60,478,750 | 5,597 |
| Average earning assets | $56,972,250 | 5,544 |
| Average equity | $4,995,250 | 5,915 |
| Average total loans | $54,728,500 | 4,698 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6811% | 228 |
| Cost of funding earning assets | 0.5036% | 2,798 |
| Net interest margin | 5.1775% | 211 |
| Noninterest income to average assets | 0.2873% | 5,127 |
| Noninterest expense to average assets | 2.5955% | 4,255 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5633% | 771 |
| Return on assets (ROA) | 1.5633% | 801 |
| Pretax return on assets | 2.5687% | 189 |
| Return on Equity (ROE) | 18.9615% | 365 |
| Retained earnings to average equity (ytd only) | 3.8895% | 3,705 |
| Net charge-offs to loans | -0.3066% | 6,437 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2587% | 6,158 |
| Assets per employee ($millions) | 5.4287% | 1,764 |
| Cash dividends to net income (ytd only)* | 79.4872% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1312% | 4,756 |
| Loan loss allowance to noncurrent loans | 230.9160% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.7033% | 3,872 |
| Noncurrent loans to loans | 0.4899% | 4,527 |
| Net loans and leases to total assets | 88.5525% | 82 |
| Net loans and leases to deposits | 101.7217% | 468 |
| Net loans and leases to core deposits | 176.8503% | 50 |
| Total domestic deposits to total assets | 87.0537% | 2,427 |
| Equity capital to assets | 8.2658% | 5,971 |
| Core capital (leverage) ratio | 8.3725% | 5,772 |
| Tier 1 risk-based capital ratio | 9.5851% | 6,483 |
| Total risk-based capital ratio | 10.7570% | 6,478 |
| Memoranda: | ||
| Average total assets | $59,873,670 | 5,664 |
| Average earning assets | $56,397,670 | 5,602 |
| Average equity | $4,936,330 | 5,970 |
| Average total loans | $54,147,670 | 4,743 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7365% | 207 |
| Cost of funding earning assets | 0.5010% | 2,898 |
| Net interest margin | 5.2355% | 173 |
| Noninterest income to average assets | 0.2469% | 5,385 |
| Noninterest expense to average assets | 2.7021% | 3,927 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5212% | 779 |
| Return on assets (ROA) | 1.5212% | 817 |
| Pretax return on assets | 2.4953% | 223 |
| Return on Equity (ROE) | 18.4746% | 402 |
| Retained earnings to average equity (ytd only) | 18.4746% | 163 |
| Net charge-offs to loans | -0.4479% | 6,540 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9897% | 6,141 |
| Assets per employee ($millions) | 5.3036% | 1,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 5,146 |
| Loan loss allowance to noncurrent loans | 216.7286% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.7336% | 3,922 |
| Noncurrent loans to loans | 0.5046% | 4,651 |
| Net loans and leases to total assets | 90.3754% | 40 |
| Net loans and leases to deposits | 99.7427% | 446 |
| Net loans and leases to core deposits | 168.5636% | 57 |
| Total domestic deposits to total assets | 90.6085% | 738 |
| Equity capital to assets | 8.6716% | 5,467 |
| Core capital (leverage) ratio | 8.5838% | 5,542 |
| Tier 1 risk-based capital ratio | 9.9118% | 6,499 |
| Total risk-based capital ratio | 11.0493% | 6,492 |
| Memoranda: | ||
| Average total assets | $59,952,500 | 5,713 |
| Average earning assets | $56,689,500 | 5,645 |
| Average equity | $4,936,500 | 6,011 |
| Average total loans | $54,479,000 | 4,776 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6901% | 270 |
| Cost of funding earning assets | 0.5787% | 2,848 |
| Net interest margin | 5.1114% | 250 |
| Noninterest income to average assets | 0.3171% | 5,067 |
| Noninterest expense to average assets | 2.7157% | 4,039 |
| Loan and lease loss provision to assets | 0.1458% | 2,474 |
| Net operating income to assets | 1.3706% | 1,089 |
| Return on assets (ROA) | 1.3706% | 1,131 |
| Pretax return on assets | 2.2528% | 286 |
| Return on Equity (ROE) | 16.4551% | 570 |
| Retained earnings to average equity (ytd only) | 6.6521% | 1,594 |
| Net charge-offs to loans | 0.0677% | 4,265 |
| Credit loss provision to net charge-offs | 242.4242% | 947 |
| Earnings coverage of net charge-offs (x) | 39.8788% | 956 |
| Efficiency ratio | 53.1005% | 6,209 |
| Assets per employee ($millions) | 5.5968% | 1,567 |
| Cash dividends to net income (ytd only)* | 59.5745% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9380% | 5,802 |
| Loan loss allowance to noncurrent loans | 54.2056% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 1.8225% | 2,014 |
| Noncurrent loans to loans | 1.7305% | 2,323 |
| Net loans and leases to total assets | 89.5444% | 49 |
| Net loans and leases to deposits | 108.1323% | 202 |
| Net loans and leases to core deposits | 175.8749% | 55 |
| Total domestic deposits to total assets | 82.8100% | 4,607 |
| Equity capital to assets | 7.8194% | 6,131 |
| Core capital (leverage) ratio | 8.6007% | 5,546 |
| Tier 1 risk-based capital ratio | 9.0833% | 6,654 |
| Total risk-based capital ratio | 10.0605% | 6,667 |
| Memoranda: | ||
| Average total assets | $54,865,600 | 5,895 |
| Average earning assets | $51,492,600 | 5,847 |
| Average equity | $4,570,000 | 6,181 |
| Average total loans | $48,727,200 | 5,009 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8035% | 236 |
| Cost of funding earning assets | 0.5982% | 2,820 |
| Net interest margin | 5.2052% | 215 |
| Noninterest income to average assets | 0.3484% | 4,901 |
| Noninterest expense to average assets | 2.8275% | 3,567 |
| Loan and lease loss provision to assets | 0.0752% | 3,552 |
| Net operating income to assets | 1.4940% | 913 |
| Return on assets (ROA) | 1.4940% | 957 |
| Pretax return on assets | 2.3312% | 303 |
| Return on Equity (ROE) | 17.6236% | 474 |
| Retained earnings to average equity (ytd only) | 4.3764% | 3,558 |
| Net charge-offs to loans | 0.0993% | 3,560 |
| Credit loss provision to net charge-offs | 85.7143% | 2,718 |
| Earnings coverage of net charge-offs (x) | 27.4260% | 1,313 |
| Efficiency ratio | 54.0230% | 6,100 |
| Assets per employee ($millions) | 4.8219% | 2,409 |
| Cash dividends to net income (ytd only)* | 75.1677% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 5,772 |
| Loan loss allowance to noncurrent loans | 156.1462% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 1.0973% | 3,461 |
| Noncurrent loans to loans | 0.6329% | 4,616 |
| Net loans and leases to total assets | 88.7766% | 63 |
| Net loans and leases to deposits | 99.4257% | 490 |
| Net loans and leases to core deposits | 143.9164% | 109 |
| Total domestic deposits to total assets | 89.2894% | 1,415 |
| Equity capital to assets | 8.8158% | 5,401 |
| Core capital (leverage) ratio | 8.9193% | 5,236 |
| Tier 1 risk-based capital ratio | 10.0775% | 6,579 |
| Total risk-based capital ratio | 11.0861% | 6,606 |
| Memoranda: | ||
| Average total assets | $53,190,750 | 6,005 |
| Average earning assets | $49,923,000 | 5,955 |
| Average equity | $4,509,000 | 6,281 |
| Average total loans | $46,996,500 | 5,114 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8521% | 223 |
| Cost of funding earning assets | 0.6209% | 2,764 |
| Net interest margin | 5.2312% | 201 |
| Noninterest income to average assets | 0.3494% | 4,895 |
| Noninterest expense to average assets | 2.8737% | 3,427 |
| Loan and lease loss provision to assets | 0.1127% | 2,930 |
| Net operating income to assets | 1.4575% | 966 |
| Return on assets (ROA) | 1.4575% | 1,045 |
| Pretax return on assets | 2.2689% | 368 |
| Return on Equity (ROE) | 17.4252% | 515 |
| Retained earnings to average equity (ytd only) | -2.6946% | 6,272 |
| Net charge-offs to loans | 0.1068% | 3,294 |
| Credit loss provision to net charge-offs | 120.0000% | 1,854 |
| Earnings coverage of net charge-offs (x) | 25.3600% | 1,267 |
| Efficiency ratio | 54.6819% | 6,085 |
| Assets per employee ($millions) | 4.7140% | 2,490 |
| Cash dividends to net income (ytd only)* | 115.4639% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0133% | 5,767 |
| Loan loss allowance to noncurrent loans | 139.5349% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 1.1119% | 3,507 |
| Noncurrent loans to loans | 0.7262% | 4,475 |
| Net loans and leases to total assets | 82.8932% | 297 |
| Net loans and leases to deposits | 90.4551% | 1,100 |
| Net loans and leases to core deposits | 137.4579% | 144 |
| Total domestic deposits to total assets | 91.6401% | 332 |
| Equity capital to assets | 7.8949% | 6,272 |
| Core capital (leverage) ratio | 8.2030% | 6,005 |
| Tier 1 risk-based capital ratio | 9.5091% | 6,717 |
| Total risk-based capital ratio | 10.5261% | 6,732 |
| Memoranda: | ||
| Average total assets | $53,240,670 | 6,044 |
| Average earning assets | $49,931,000 | 5,995 |
| Average equity | $4,453,330 | 6,341 |
| Average total loans | $46,809,330 | 5,145 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9721% | 179 |
| Cost of funding earning assets | 0.6343% | 2,802 |
| Net interest margin | 5.3378% | 159 |
| Noninterest income to average assets | 0.3257% | 5,098 |
| Noninterest expense to average assets | 2.9238% | 3,255 |
| Loan and lease loss provision to assets | 0.2327% | 1,569 |
| Net operating income to assets | 1.4037% | 1,016 |
| Return on assets (ROA) | 1.4037% | 1,105 |
| Pretax return on assets | 2.1948% | 428 |
| Return on Equity (ROE) | 16.2806% | 576 |
| Retained earnings to average equity (ytd only) | -24.0162% | 6,869 |
| Net charge-offs to loans | 0.2235% | 2,095 |
| Credit loss provision to net charge-offs | 115.3846% | 1,636 |
| Earnings coverage of net charge-offs (x) | 12.0385% | 1,629 |
| Efficiency ratio | 54.6377% | 6,181 |
| Assets per employee ($millions) | 4.7865% | 2,510 |
| Cash dividends to net income (ytd only)* | 247.5138% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 5,982 |
| Loan loss allowance to noncurrent loans | 137.6437% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.9838% | 3,961 |
| Noncurrent loans to loans | 0.7270% | 4,676 |
| Net loans and leases to total assets | 90.0023% | 36 |
| Net loans and leases to deposits | 114.3836% | 92 |
| Net loans and leases to core deposits | 142.1825% | 118 |
| Total domestic deposits to total assets | 78.6846% | 6,016 |
| Equity capital to assets | 8.1877% | 6,258 |
| Core capital (leverage) ratio | 8.6857% | 5,348 |
| Tier 1 risk-based capital ratio | 9.1812% | 6,792 |
| Total risk-based capital ratio | 10.2085% | 6,816 |
| Memoranda: | ||
| Average total assets | $51,577,000 | 6,141 |
| Average earning assets | $48,559,500 | 6,086 |
| Average equity | $4,447,000 | 6,407 |
| Average total loans | $46,528,500 | 5,195 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3361% | 159 |
| Cost of funding earning assets | 0.9699% | 1,528 |
| Net interest margin | 5.3662% | 209 |
| Noninterest income to average assets | 0.3532% | 4,940 |
| Noninterest expense to average assets | 3.0109% | 3,232 |
| Loan and lease loss provision to assets | 0.2979% | 2,296 |
| Net operating income to assets | 1.3150% | 1,263 |
| Return on assets (ROA) | 1.3150% | 1,401 |
| Pretax return on assets | 2.0597% | 536 |
| Return on Equity (ROE) | 14.2857% | 941 |
| Retained earnings to average equity (ytd only) | 6.3107% | 1,916 |
| Net charge-offs to loans | 0.1663% | 4,051 |
| Credit loss provision to net charge-offs | 202.8986% | 1,270 |
| Earnings coverage of net charge-offs (x) | 16.0580% | 1,605 |
| Efficiency ratio | 56.0840% | 6,048 |
| Assets per employee ($millions) | 4.2085% | 3,536 |
| Cash dividends to net income (ytd only)* | 55.8252% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 5,757 |
| Loan loss allowance to noncurrent loans | 98.3437% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 1.2990% | 3,482 |
| Noncurrent loans to loans | 1.0688% | 4,064 |
| Net loans and leases to total assets | 88.5410% | 77 |
| Net loans and leases to deposits | 104.9475% | 241 |
| Net loans and leases to core deposits | 134.9683% | 154 |
| Total domestic deposits to total assets | 84.3670% | 4,146 |
| Equity capital to assets | 9.0749% | 5,433 |
| Core capital (leverage) ratio | 9.7802% | 3,685 |
| Tier 1 risk-based capital ratio | 10.3216% | 6,609 |
| Total risk-based capital ratio | 11.3996% | 6,627 |
| Memoranda: | ||
| Average total assets | $46,996,600 | 6,288 |
| Average earning assets | $43,922,800 | 6,238 |
| Average equity | $4,326,000 | 6,486 |
| Average total loans | $41,482,000 | 5,441 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4317% | 152 |
| Cost of funding earning assets | 1.0235% | 1,431 |
| Net interest margin | 5.4082% | 200 |
| Noninterest income to average assets | 0.3932% | 4,686 |
| Noninterest expense to average assets | 3.0817% | 2,942 |
| Loan and lease loss provision to assets | 0.4047% | 1,581 |
| Net operating income to assets | 1.2807% | 1,492 |
| Return on assets (ROA) | 1.2807% | 1,637 |
| Pretax return on assets | 1.9629% | 761 |
| Return on Equity (ROE) | 13.8593% | 1,139 |
| Retained earnings to average equity (ytd only) | 3.0659% | 4,717 |
| Net charge-offs to loans | 0.2729% | 3,089 |
| Credit loss provision to net charge-offs | 168.6747% | 1,651 |
| Earnings coverage of net charge-offs (x) | 9.8678% | 2,263 |
| Efficiency ratio | 56.5517% | 5,988 |
| Assets per employee ($millions) | 3.7249% | 4,488 |
| Cash dividends to net income (ytd only)* | 77.8786% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 5,377 |
| Loan loss allowance to noncurrent loans | 96.4435% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 1.6600% | 3,093 |
| Noncurrent loans to loans | 1.2227% | 4,011 |
| Net loans and leases to total assets | 86.4292% | 134 |
| Net loans and leases to deposits | 100.7222% | 409 |
| Net loans and leases to core deposits | 121.6826% | 282 |
| Total domestic deposits to total assets | 85.8095% | 3,357 |
| Equity capital to assets | 9.8682% | 4,683 |
| Core capital (leverage) ratio | 9.5109% | 4,252 |
| Tier 1 risk-based capital ratio | 11.3661% | 6,319 |
| Total risk-based capital ratio | 12.5643% | 6,312 |
| Memoranda: | ||
| Average total assets | $46,120,250 | 6,395 |
| Average earning assets | $43,118,750 | 6,337 |
| Average equity | $4,261,750 | 6,581 |
| Average total loans | $40,555,000 | 5,546 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4740% | 153 |
| Cost of funding earning assets | 1.0461% | 1,495 |
| Net interest margin | 5.4279% | 199 |
| Noninterest income to average assets | 0.3563% | 4,979 |
| Noninterest expense to average assets | 3.1592% | 2,722 |
| Loan and lease loss provision to assets | 0.6009% | 990 |
| Net operating income to assets | 1.1074% | 2,020 |
| Return on assets (ROA) | 1.1074% | 2,238 |
| Pretax return on assets | 1.6740% | 1,329 |
| Return on Equity (ROE) | 12.2507% | 1,593 |
| Retained earnings to average equity (ytd only) | -4.1311% | 6,558 |
| Net charge-offs to loans | 0.4386% | 2,288 |
| Credit loss provision to net charge-offs | 155.5556% | 1,779 |
| Earnings coverage of net charge-offs (x) | 5.8889% | 2,737 |
| Efficiency ratio | 58.1359% | 5,850 |
| Assets per employee ($millions) | 3.8877% | 4,104 |
| Cash dividends to net income (ytd only)* | 133.7209% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1087% | 5,744 |
| Loan loss allowance to noncurrent loans | 79.7891% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 1.8992% | 2,906 |
| Noncurrent loans to loans | 1.3895% | 3,838 |
| Net loans and leases to total assets | 86.8044% | 110 |
| Net loans and leases to deposits | 96.2449% | 613 |
| Net loans and leases to core deposits | 129.4753% | 214 |
| Total domestic deposits to total assets | 90.1912% | 819 |
| Equity capital to assets | 9.0586% | 5,639 |
| Core capital (leverage) ratio | 8.7427% | 5,310 |
| Tier 1 risk-based capital ratio | 10.3507% | 6,744 |
| Total risk-based capital ratio | 11.4728% | 6,753 |
| Memoranda: | ||
| Average total assets | $46,594,000 | 6,421 |
| Average earning assets | $43,589,670 | 6,358 |
| Average equity | $4,212,000 | 6,630 |
| Average total loans | $41,042,000 | 5,551 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4267% | 174 |
| Cost of funding earning assets | 1.0681% | 1,576 |
| Net interest margin | 5.3587% | 225 |
| Noninterest income to average assets | 0.3350% | 5,181 |
| Noninterest expense to average assets | 3.2471% | 2,449 |
| Loan and lease loss provision to assets | 0.3436% | 1,818 |
| Net operating income to assets | 1.1167% | 2,003 |
| Return on assets (ROA) | 1.1167% | 2,188 |
| Pretax return on assets | 1.7438% | 1,212 |
| Return on Equity (ROE) | 12.3662% | 1,561 |
| Retained earnings to average equity (ytd only) | -20.4518% | 7,049 |
| Net charge-offs to loans | 0.6133% | 1,561 |
| Credit loss provision to net charge-offs | 63.4921% | 3,048 |
| Earnings coverage of net charge-offs (x) | 3.8571% | 2,724 |
| Efficiency ratio | 60.8696% | 5,477 |
| Assets per employee ($millions) | 3.8673% | 4,261 |
| Cash dividends to net income (ytd only)* | 265.3846% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9297% | 6,471 |
| Loan loss allowance to noncurrent loans | 64.5763% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 2.0449% | 2,832 |
| Noncurrent loans to loans | 1.4396% | 3,955 |
| Net loans and leases to total assets | 87.4892% | 81 |
| Net loans and leases to deposits | 107.9639% | 166 |
| Net loans and leases to core deposits | 129.7686% | 204 |
| Total domestic deposits to total assets | 81.0356% | 5,595 |
| Equity capital to assets | 8.8282% | 5,715 |
| Core capital (leverage) ratio | 9.2248% | 4,474 |
| Tier 1 risk-based capital ratio | 10.0485% | 6,866 |
| Total risk-based capital ratio | 10.9915% | 6,926 |
| Memoranda: | ||
| Average total assets | $46,565,000 | 6,472 |
| Average earning assets | $43,443,500 | 6,411 |
| Average equity | $4,205,000 | 6,666 |
| Average total loans | $41,088,000 | 5,597 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7558% | 136 |
| Cost of funding earning assets | 1.6192% | 438 |
| Net interest margin | 5.1366% | 318 |
| Noninterest income to average assets | 0.1600% | 6,347 |
| Noninterest expense to average assets | 3.1432% | 3,052 |
| Loan and lease loss provision to assets | 0.1127% | 5,183 |
| Net operating income to assets | 1.0342% | 2,068 |
| Return on assets (ROA) | 1.0342% | 2,219 |
| Pretax return on assets | 1.6358% | 1,133 |
| Return on Equity (ROE) | 11.2230% | 1,642 |
| Retained earnings to average equity (ytd only) | 7.9221% | 1,107 |
| Net charge-offs to loans | 0.0575% | 5,733 |
| Credit loss provision to net charge-offs | 227.2727% | 1,067 |
| Earnings coverage of net charge-offs (x) | 35.2727% | 741 |
| Efficiency ratio | 64.2561% | 5,084 |
| Assets per employee ($millions) | 3.8935% | 4,092 |
| Cash dividends to net income (ytd only)* | 29.4118% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9807% | 6,300 |
| Loan loss allowance to noncurrent loans | 59.2375% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 2.2837% | 2,642 |
| Noncurrent loans to loans | 1.6556% | 3,679 |
| Net loans and leases to total assets | 87.3015% | 97 |
| Net loans and leases to deposits | 113.0359% | 130 |
| Net loans and leases to core deposits | 120.7990% | 340 |
| Total domestic deposits to total assets | 77.2334% | 6,311 |
| Equity capital to assets | 9.2312% | 5,241 |
| Core capital (leverage) ratio | 9.7487% | 3,676 |
| Tier 1 risk-based capital ratio | 10.4972% | 6,684 |
| Total risk-based capital ratio | 11.4893% | 6,771 |
| Memoranda: | ||
| Average total assets | $44,381,800 | 6,523 |
| Average earning assets | $40,883,400 | 6,499 |
| Average equity | $4,089,800 | 6,728 |
| Average total loans | $38,231,000 | 5,769 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8943% | 114 |
| Cost of funding earning assets | 1.7377% | 336 |
| Net interest margin | 5.1566% | 310 |
| Noninterest income to average assets | 0.0852% | 6,814 |
| Noninterest expense to average assets | 3.0443% | 3,377 |
| Loan and lease loss provision to assets | 0.0609% | 5,684 |
| Net operating income to assets | 1.0503% | 2,139 |
| Return on assets (ROA) | 1.0503% | 2,283 |
| Pretax return on assets | 1.7139% | 1,112 |
| Return on Equity (ROE) | 11.4028% | 1,722 |
| Retained earnings to average equity (ytd only) | 6.9408% | 2,000 |
| Net charge-offs to loans | 0.0676% | 5,286 |
| Credit loss provision to net charge-offs | 105.2632% | 3,157 |
| Earnings coverage of net charge-offs (x) | 30.6873% | 921 |
| Efficiency ratio | 63.1712% | 5,202 |
| Assets per employee ($millions) | 3.7090% | 4,519 |
| Cash dividends to net income (ytd only)* | 39.1313% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0221% | 6,159 |
| Loan loss allowance to noncurrent loans | 52.5070% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 2.3479% | 2,731 |
| Noncurrent loans to loans | 1.9465% | 3,433 |
| Net loans and leases to total assets | 82.0280% | 355 |
| Net loans and leases to deposits | 91.4485% | 1,055 |
| Net loans and leases to core deposits | 110.0232% | 674 |
| Total domestic deposits to total assets | 89.6985% | 1,041 |
| Equity capital to assets | 9.4253% | 5,201 |
| Core capital (leverage) ratio | 9.2805% | 4,481 |
| Tier 1 risk-based capital ratio | 11.6195% | 6,158 |
| Total risk-based capital ratio | 12.6725% | 6,281 |
| Memoranda: | ||
| Average total assets | $43,796,750 | 6,603 |
| Average earning assets | $40,206,000 | 6,576 |
| Average equity | $4,034,000 | 6,790 |
| Average total loans | $37,490,500 | 5,861 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0254% | 100 |
| Cost of funding earning assets | 1.8718% | 236 |
| Net interest margin | 5.1536% | 304 |
| Noninterest income to average assets | 0.3903% | 4,757 |
| Noninterest expense to average assets | 3.2920% | 2,596 |
| Loan and lease loss provision to assets | 0.0918% | 5,172 |
| Net operating income to assets | 1.0514% | 2,032 |
| Return on assets (ROA) | 1.0514% | 2,127 |
| Pretax return on assets | 1.7218% | 1,010 |
| Return on Equity (ROE) | 11.5066% | 1,635 |
| Retained earnings to average equity (ytd only) | 4.7232% | 3,182 |
| Net charge-offs to loans | 0.1061% | 4,624 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 19.7500% | 1,205 |
| Efficiency ratio | 64.4784% | 5,149 |
| Assets per employee ($millions) | 3.3651% | 5,294 |
| Cash dividends to net income (ytd only)* | 58.9520% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0094% | 6,286 |
| Loan loss allowance to noncurrent loans | 144.0613% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 1.9499% | 3,308 |
| Noncurrent loans to loans | 0.7007% | 5,503 |
| Net loans and leases to total assets | 84.2934% | 227 |
| Net loans and leases to deposits | 96.1062% | 715 |
| Net loans and leases to core deposits | 123.0890% | 360 |
| Total domestic deposits to total assets | 87.7086% | 2,334 |
| Equity capital to assets | 9.2923% | 5,146 |
| Core capital (leverage) ratio | 9.4407% | 4,043 |
| Tier 1 risk-based capital ratio | 11.0456% | 6,492 |
| Total risk-based capital ratio | 12.0725% | 6,616 |
| Memoranda: | ||
| Average total assets | $43,559,670 | 6,659 |
| Average earning assets | $39,855,330 | 6,643 |
| Average equity | $3,980,330 | 6,854 |
| Average total loans | $37,692,000 | 5,903 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8477% | 132 |
| Cost of funding earning assets | 2.0245% | 152 |
| Net interest margin | 4.8232% | 545 |
| Noninterest income to average assets | 0.1288% | 6,772 |
| Noninterest expense to average assets | 3.3037% | 2,547 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7914% | 3,073 |
| Return on assets (ROA) | 0.7914% | 3,144 |
| Pretax return on assets | 1.2976% | 2,051 |
| Return on Equity (ROE) | 8.7354% | 2,595 |
| Retained earnings to average equity (ytd only) | -4.9771% | 6,512 |
| Net charge-offs to loans | 0.0528% | 4,410 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 28.2000% | 866 |
| Efficiency ratio | 71.8000% | 3,913 |
| Assets per employee ($millions) | 3.2355% | 5,628 |
| Cash dividends to net income (ytd only)* | 156.9767% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 6,300 |
| Loan loss allowance to noncurrent loans | 57.0769% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 3.4830% | 1,961 |
| Noncurrent loans to loans | 1.7962% | 3,833 |
| Net loans and leases to total assets | 85.1505% | 174 |
| Net loans and leases to deposits | 94.4589% | 783 |
| Net loans and leases to core deposits | 113.9476% | 603 |
| Total domestic deposits to total assets | 90.1455% | 1,065 |
| Equity capital to assets | 9.3029% | 4,723 |
| Core capital (leverage) ratio | 8.7430% | 5,011 |
| Tier 1 risk-based capital ratio | 10.8800% | 6,586 |
| Total risk-based capital ratio | 11.9145% | 6,700 |
| Memoranda: | ||
| Average total assets | $43,466,500 | 6,707 |
| Average earning assets | $40,305,500 | 6,675 |
| Average equity | $3,938,000 | 6,899 |
| Average total loans | $37,912,500 | 5,947 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3023% | 100 |
| Cost of funding earning assets | 2.4854% | 117 |
| Net interest margin | 4.8169% | 652 |
| Noninterest income to average assets | 0.1616% | 6,563 |
| Noninterest expense to average assets | 3.5544% | 2,048 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.6069% | 3,642 |
| Return on assets (ROA) | 0.6069% | 3,806 |
| Pretax return on assets | 0.9781% | 3,004 |
| Return on Equity (ROE) | 7.2951% | 2,983 |
| Retained earnings to average equity (ytd only) | 7.2951% | 1,204 |
| Net charge-offs to loans | 0.1532% | 5,432 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 7.4667% | 2,126 |
| Efficiency ratio | 78.4200% | 2,633 |
| Assets per employee ($millions) | 3.4516% | 5,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9486% | 6,580 |
| Loan loss allowance to noncurrent loans | 79.8301% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 3.0309% | 2,325 |
| Noncurrent loans to loans | 1.1883% | 4,732 |
| Net loans and leases to total assets | 87.4997% | 114 |
| Net loans and leases to deposits | 98.4750% | 678 |
| Net loans and leases to core deposits | 100.3630% | 1,589 |
| Total domestic deposits to total assets | 88.8547% | 1,742 |
| Equity capital to assets | 8.8320% | 5,388 |
| Core capital (leverage) ratio | 8.7344% | 4,965 |
| Tier 1 risk-based capital ratio | 10.0282% | 6,971 |
| Total risk-based capital ratio | 10.9825% | 7,072 |
| Memoranda: | ||
| Average total assets | $45,803,000 | 6,671 |
| Average earning assets | $41,562,200 | 6,656 |
| Average equity | $3,810,800 | 7,055 |
| Average total loans | $39,170,200 | 5,956 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3608% | 101 |
| Cost of funding earning assets | 2.6000% | 98 |
| Net interest margin | 4.7608% | 734 |
| Noninterest income to average assets | 0.2201% | 6,336 |
| Noninterest expense to average assets | 3.4928% | 2,049 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.5734% | 3,990 |
| Return on assets (ROA) | 0.5734% | 4,157 |
| Pretax return on assets | 1.0282% | 3,079 |
| Return on Equity (ROE) | 6.9973% | 3,348 |
| Retained earnings to average equity (ytd only) | 6.9973% | 1,848 |
| Net charge-offs to loans | 0.0580% | 5,934 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 20.8787% | 1,149 |
| Efficiency ratio | 77.2582% | 2,731 |
| Assets per employee ($millions) | 3.4198% | 5,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0867% | 5,998 |
| Loan loss allowance to noncurrent loans | 50.1796% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 3.8846% | 1,820 |
| Noncurrent loans to loans | 2.1656% | 3,486 |
| Net loans and leases to total assets | 85.7843% | 221 |
| Net loans and leases to deposits | 94.7198% | 1,122 |
| Net loans and leases to core deposits | 100.1181% | 1,834 |
| Total domestic deposits to total assets | 90.5664% | 613 |
| Equity capital to assets | 8.7498% | 5,936 |
| Core capital (leverage) ratio | 8.4266% | 5,654 |
| Tier 1 risk-based capital ratio | 10.1205% | 6,999 |
| Total risk-based capital ratio | 11.2160% | 7,071 |
| Memoranda: | ||
| Average total assets | $46,036,000 | 6,736 |
| Average earning assets | $41,588,500 | 6,738 |
| Average equity | $3,772,750 | 7,157 |
| Average total loans | $39,053,250 | 6,043 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3535% | 101 |
| Cost of funding earning assets | 2.7552% | 72 |
| Net interest margin | 4.5983% | 1,001 |
| Noninterest income to average assets | 0.2835% | 5,873 |
| Noninterest expense to average assets | 3.5007% | 2,030 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5412% | 4,136 |
| Return on assets (ROA) | 0.5412% | 4,285 |
| Pretax return on assets | 0.9192% | 3,420 |
| Return on Equity (ROE) | 6.7494% | 3,421 |
| Retained earnings to average equity (ytd only) | 6.7494% | 1,947 |
| Net charge-offs to loans | -0.4080% | 7,715 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2031% | 2,546 |
| Assets per employee ($millions) | 3.3184% | 5,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 5,022 |
| Loan loss allowance to noncurrent loans | 41.6465% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 5.0498% | 1,267 |
| Noncurrent loans to loans | 3.0802% | 2,610 |
| Net loans and leases to total assets | 85.4747% | 257 |
| Net loans and leases to deposits | 97.0287% | 955 |
| Net loans and leases to core deposits | 98.8401% | 2,137 |
| Total domestic deposits to total assets | 88.0922% | 1,951 |
| Equity capital to assets | 8.1968% | 6,550 |
| Core capital (leverage) ratio | 8.3465% | 5,675 |
| Tier 1 risk-based capital ratio | 9.4637% | 7,275 |
| Total risk-based capital ratio | 10.7142% | 7,282 |
| Memoranda: | ||
| Average total assets | $46,562,000 | 6,775 |
| Average earning assets | $41,885,000 | 6,783 |
| Average equity | $3,733,670 | 7,204 |
| Average total loans | $39,218,670 | 6,078 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0599% | 161 |
| Cost of funding earning assets | 2.9913% | 46 |
| Net interest margin | 4.0686% | 2,573 |
| Noninterest income to average assets | 0.4376% | 4,577 |
| Noninterest expense to average assets | 3.6212% | 1,688 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2488% | 5,496 |
| Return on assets (ROA) | 0.2488% | 5,619 |
| Pretax return on assets | 0.4462% | 5,144 |
| Return on Equity (ROE) | 3.1381% | 5,278 |
| Retained earnings to average equity (ytd only) | 3.1381% | 4,263 |
| Net charge-offs to loans | -0.7439% | 7,833 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0295% | 1,503 |
| Assets per employee ($millions) | 3.2743% | 5,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2805% | 5,042 |
| Loan loss allowance to noncurrent loans | 30.3103% | 6,373 |
| Noncurrent assets plus other real estate owned to assets | 6.4311% | 894 |
| Noncurrent loans to loans | 4.2247% | 1,817 |
| Net loans and leases to total assets | 85.4341% | 255 |
| Net loans and leases to deposits | 95.3869% | 1,186 |
| Net loans and leases to core deposits | 97.1618% | 2,435 |
| Total domestic deposits to total assets | 89.5659% | 1,198 |
| Equity capital to assets | 8.0977% | 6,543 |
| Core capital (leverage) ratio | 7.9218% | 6,355 |
| Tier 1 risk-based capital ratio | 9.1763% | 7,438 |
| Total risk-based capital ratio | 10.4256% | 7,441 |
| Memoranda: | ||
| Average total assets | $46,614,500 | 6,855 |
| Average earning assets | $41,587,000 | 6,877 |
| Average equity | $3,696,500 | 7,289 |
| Average total loans | $38,715,500 | 6,181 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1780% | 215 |
| Cost of funding earning assets | 3.3891% | 68 |
| Net interest margin | 3.7888% | 3,757 |
| Noninterest income to average assets | 0.5156% | 4,286 |
| Noninterest expense to average assets | 3.9371% | 1,457 |
| Loan and lease loss provision to assets | 0.4367% | 4,209 |
| Net operating income to assets | -0.1768% | 5,812 |
| Return on assets (ROA) | -0.1768% | 5,811 |
| Pretax return on assets | -0.4857% | 5,995 |
| Return on Equity (ROE) | -2.2350% | 5,893 |
| Retained earnings to average equity (ytd only) | -2.2350% | 5,572 |
| Net charge-offs to loans | 2.2766% | 1,028 |
| Credit loss provision to net charge-offs | 22.8285% | 6,930 |
| Earnings coverage of net charge-offs (x) | -0.0256% | 6,237 |
| Efficiency ratio | 101.2603% | 1,044 |
| Assets per employee ($millions) | 3.3849% | 5,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1547% | 5,617 |
| Loan loss allowance to noncurrent loans | 24.2762% | 6,841 |
| Noncurrent assets plus other real estate owned to assets | 6.7463% | 772 |
| Noncurrent loans to loans | 4.7564% | 1,456 |
| Net loans and leases to total assets | 78.7609% | 1,236 |
| Net loans and leases to deposits | 85.7294% | 2,961 |
| Net loans and leases to core deposits | 95.5287% | 4,508 |
| Total domestic deposits to total assets | 91.8715% | 287 |
| Equity capital to assets | 7.7676% | 6,799 |
| Core capital (leverage) ratio | 8.0048% | 6,181 |
| Tier 1 risk-based capital ratio | 9.3136% | 7,326 |
| Total risk-based capital ratio | 10.4191% | 7,402 |
| Memoranda: | ||
| Average total assets | $46,938,400 | 6,830 |
| Average earning assets | $41,780,600 | 6,870 |
| Average equity | $3,713,600 | 7,380 |
| Average total loans | $39,445,400 | 6,140 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2372% | 216 |
| Cost of funding earning assets | 3.4719% | 79 |
| Net interest margin | 3.7653% | 3,798 |
| Noninterest income to average assets | 0.5438% | 4,130 |
| Noninterest expense to average assets | 3.8553% | 1,504 |
| Loan and lease loss provision to assets | 0.5837% | 3,050 |
| Net operating income to assets | -0.2136% | 6,089 |
| Return on assets (ROA) | -0.2136% | 6,099 |
| Pretax return on assets | -0.5325% | 6,339 |
| Return on Equity (ROE) | -2.6869% | 6,197 |
| Retained earnings to average equity (ytd only) | -2.6869% | 5,871 |
| Net charge-offs to loans | 3.0267% | 546 |
| Credit loss provision to net charge-offs | 22.6519% | 6,551 |
| Earnings coverage of net charge-offs (x) | 0.0199% | 6,036 |
| Efficiency ratio | 98.6880% | 1,129 |
| Assets per employee ($millions) | 3.0539% | 6,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 5,528 |
| Loan loss allowance to noncurrent loans | 25.6732% | 6,744 |
| Noncurrent assets plus other real estate owned to assets | 6.4965% | 773 |
| Noncurrent loans to loans | 4.4053% | 1,601 |
| Net loans and leases to total assets | 81.8682% | 835 |
| Net loans and leases to deposits | 89.3695% | 2,702 |
| Net loans and leases to core deposits | 99.7659% | 4,400 |
| Total domestic deposits to total assets | 91.6065% | 240 |
| Equity capital to assets | 8.0617% | 6,786 |
| Core capital (leverage) ratio | 8.0803% | 6,218 |
| Tier 1 risk-based capital ratio | 9.3275% | 7,480 |
| Total risk-based capital ratio | 10.4146% | 7,555 |
| Memoranda: | ||
| Average total assets | $46,825,750 | 6,883 |
| Average earning assets | $41,820,000 | 6,917 |
| Average equity | $3,721,750 | 7,440 |
| Average total loans | $39,866,750 | 6,163 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2857% | 213 |
| Cost of funding earning assets | 3.5763% | 82 |
| Net interest margin | 3.7093% | 3,913 |
| Noninterest income to average assets | 0.5301% | 4,185 |
| Noninterest expense to average assets | 4.0412% | 1,261 |
| Loan and lease loss provision to assets | 0.8693% | 1,938 |
| Net operating income to assets | -0.5513% | 6,597 |
| Return on assets (ROA) | -0.5513% | 6,602 |
| Pretax return on assets | -1.0686% | 6,863 |
| Return on Equity (ROE) | -6.9680% | 6,793 |
| Retained earnings to average equity (ytd only) | -6.9680% | 6,550 |
| Net charge-offs to loans | 2.4832% | 701 |
| Credit loss provision to net charge-offs | 40.7555% | 5,890 |
| Earnings coverage of net charge-offs (x) | -0.0934% | 5,787 |
| Efficiency ratio | 105.1876% | 993 |
| Assets per employee ($millions) | 3.0115% | 6,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1140% | 1,368 |
| Loan loss allowance to noncurrent loans | 39.0691% | 5,797 |
| Noncurrent assets plus other real estate owned to assets | 8.0293% | 468 |
| Noncurrent loans to loans | 5.4110% | 1,079 |
| Net loans and leases to total assets | 85.1811% | 480 |
| Net loans and leases to deposits | 92.9488% | 2,285 |
| Net loans and leases to core deposits | 103.8767% | 4,079 |
| Total domestic deposits to total assets | 91.6431% | 280 |
| Equity capital to assets | 8.0492% | 6,694 |
| Core capital (leverage) ratio | 8.0009% | 6,330 |
| Tier 1 risk-based capital ratio | 9.0170% | 7,688 |
| Total risk-based capital ratio | 10.2778% | 7,697 |
| Memoranda: | ||
| Average total assets | $47,164,670 | 6,936 |
| Average earning assets | $42,110,000 | 6,963 |
| Average equity | $3,731,330 | 7,501 |
| Average total loans | $40,511,670 | 6,179 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3855% | 195 |
| Cost of funding earning assets | 3.7348% | 79 |
| Net interest margin | 3.6508% | 4,094 |
| Noninterest income to average assets | 0.3073% | 5,985 |
| Noninterest expense to average assets | 3.6046% | 1,855 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.0997% | 5,980 |
| Return on assets (ROA) | 0.0997% | 6,148 |
| Pretax return on assets | -0.0498% | 6,431 |
| Return on Equity (ROE) | 1.2702% | 6,048 |
| Retained earnings to average equity (ytd only) | 1.2702% | 5,128 |
| Net charge-offs to loans | 0.7881% | 1,635 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -0.0741% | 5,048 |
| Efficiency ratio | 101.4019% | 1,069 |
| Assets per employee ($millions) | 2.7329% | 6,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5378% | 733 |
| Loan loss allowance to noncurrent loans | 49.1097% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 7.9274% | 377 |
| Noncurrent loans to loans | 5.1677% | 1,042 |
| Net loans and leases to total assets | 86.6291% | 375 |
| Net loans and leases to deposits | 97.5472% | 1,726 |
| Net loans and leases to core deposits | 107.2081% | 3,773 |
| Total domestic deposits to total assets | 88.8073% | 1,336 |
| Equity capital to assets | 8.1427% | 6,608 |
| Core capital (leverage) ratio | 7.7459% | 6,824 |
| Tier 1 risk-based capital ratio | 8.9655% | 7,808 |
| Total risk-based capital ratio | 10.2313% | 7,833 |
| Memoranda: | ||
| Average total assets | $48,161,000 | 6,944 |
| Average earning assets | $42,840,500 | 6,983 |
| Average equity | $3,779,000 | 7,527 |
| Average total loans | $41,113,000 | 6,185 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6526% | 305 |
| Cost of funding earning assets | 4.0531% | 84 |
| Net interest margin | 3.5995% | 4,891 |
| Noninterest income to average assets | 0.1696% | 7,210 |
| Noninterest expense to average assets | 3.7820% | 1,789 |
| Loan and lease loss provision to assets | 0.9069% | 1,649 |
| Net operating income to assets | -0.7850% | 7,126 |
| Return on assets (ROA) | -0.7850% | 7,027 |
| Pretax return on assets | -1.2689% | 7,149 |
| Return on Equity (ROE) | -10.5836% | 7,318 |
| Retained earnings to average equity (ytd only) | -10.5836% | 7,124 |
| Net charge-offs to loans | 0.3035% | 3,368 |
| Credit loss provision to net charge-offs | 363.3588% | 1,219 |
| Earnings coverage of net charge-offs (x) | -1.4504% | 6,653 |
| Efficiency ratio | 110.5850% | 699 |
| Assets per employee ($millions) | 2.9331% | 6,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7583% | 537 |
| Loan loss allowance to noncurrent loans | 59.5778% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 6.9410% | 384 |
| Noncurrent loans to loans | 4.6297% | 1,021 |
| Net loans and leases to total assets | 79.8227% | 1,701 |
| Net loans and leases to deposits | 87.4500% | 3,873 |
| Net loans and leases to core deposits | 95.1609% | 5,333 |
| Total domestic deposits to total assets | 91.2781% | 253 |
| Equity capital to assets | 7.5707% | 7,328 |
| Core capital (leverage) ratio | 7.2699% | 7,449 |
| Tier 1 risk-based capital ratio | 8.8489% | 7,877 |
| Total risk-based capital ratio | 10.1164% | 7,902 |
| Memoranda: | ||
| Average total assets | $52,484,800 | 6,680 |
| Average earning assets | $47,395,800 | 6,694 |
| Average equity | $3,892,800 | 7,553 |
| Average total loans | $43,169,800 | 6,014 |