Home > Danville State Savings Bank > Performance and Condition Ratios
Danville State Savings 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 | 3.5559% | 4,377 |
| Cost of funding earning assets | 1.0391% | 3,214 |
| Net interest margin | 2.5168% | 4,079 |
| Noninterest income to average assets | 1.3900% | 427 |
| Noninterest expense to average assets | 2.8697% | 1,335 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.7743% | 2,965 |
| Return on assets (ROA) | 0.7743% | 2,937 |
| Pretax return on assets | 0.8121% | 3,184 |
| Return on Equity (ROE) | 6.5100% | 3,416 |
| Retained earnings to average equity (ytd only) | 3.3592% | 3,179 |
| Net charge-offs to loans | 0.0695% | 1,156 |
| Credit loss provision to net charge-offs | 257.1429% | 1,053 |
| Earnings coverage of net charge-offs (x) | 22.8571% | 1,803 |
| Efficiency ratio | 73.7685% | 1,484 |
| Assets per employee ($millions) | 4.1990% | 4,085 |
| Cash dividends to net income (ytd only)* | 48.3752% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 2,488 |
| Loan loss allowance to noncurrent loans | 33.0124% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 2.2706% | 109 |
| Noncurrent loans to loans | 3.5234% | 110 |
| Net loans and leases to total assets | 59.2300% | 2,919 |
| Net loans and leases to deposits | 68.0027% | 3,032 |
| Net loans and leases to core deposits | 74.4066% | 3,055 |
| Total domestic deposits to total assets | 87.1000% | 1,646 |
| Equity capital to assets | 12.5552% | 977 |
| Core capital (leverage) ratio | 12.8778% | 1,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $174,862,600 | 3,167 |
| Average earning assets | $166,200,400 | 3,132 |
| Average equity | $20,808,600 | 2,791 |
| Average total loans | $100,722,400 | 3,165 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4551% | 4,385 |
| Cost of funding earning assets | 0.8510% | 3,071 |
| Net interest margin | 2.6041% | 4,108 |
| Noninterest income to average assets | 1.2000% | 439 |
| Noninterest expense to average assets | 2.7273% | 1,581 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.8289% | 2,988 |
| Return on assets (ROA) | 0.8289% | 3,001 |
| Pretax return on assets | 0.8628% | 3,257 |
| Return on Equity (ROE) | 7.1400% | 3,452 |
| Retained earnings to average equity (ytd only) | 3.7362% | 3,272 |
| Net charge-offs to loans | 0.0929% | 706 |
| Credit loss provision to net charge-offs | 173.9130% | 1,108 |
| Earnings coverage of net charge-offs (x) | 18.3478% | 1,766 |
| Efficiency ratio | 72.0160% | 1,562 |
| Assets per employee ($millions) | 4.2893% | 4,062 |
| Cash dividends to net income (ytd only)* | 47.6839% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 2,893 |
| Loan loss allowance to noncurrent loans | 28.1383% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 2.2979% | 114 |
| Noncurrent loans to loans | 3.9545% | 89 |
| Net loans and leases to total assets | 56.7500% | 3,065 |
| Net loans and leases to deposits | 64.5948% | 3,156 |
| Net loans and leases to core deposits | 69.5856% | 3,152 |
| Total domestic deposits to total assets | 87.8500% | 1,660 |
| Equity capital to assets | 11.8094% | 1,102 |
| Core capital (leverage) ratio | 12.4528% | 1,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $177,099,333 | 3,166 |
| Average earning assets | $168,502,667 | 3,121 |
| Average equity | $20,555,667 | 2,814 |
| Average total loans | $99,034,667 | 3,183 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2826% | 4,446 |
| Cost of funding earning assets | 0.7029% | 3,047 |
| Net interest margin | 2.5797% | 4,230 |
| Noninterest income to average assets | 1.1500% | 470 |
| Noninterest expense to average assets | 2.7819% | 1,474 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.7540% | 3,333 |
| Return on assets (ROA) | 0.7540% | 3,287 |
| Pretax return on assets | 0.7765% | 3,519 |
| Return on Equity (ROE) | 6.5500% | 3,624 |
| Retained earnings to average equity (ytd only) | -0.2934% | 4,063 |
| Net charge-offs to loans | -0.1019% | 4,509 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.0781% | 1,241 |
| Assets per employee ($millions) | 4.6093% | 3,959 |
| Cash dividends to net income (ytd only)* | 104.4776% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1387% | 2,860 |
| Loan loss allowance to noncurrent loans | 15.9994% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 4.0787% | 25 |
| Noncurrent loans to loans | 7.1174% | 31 |
| Net loans and leases to total assets | 56.2600% | 3,022 |
| Net loans and leases to deposits | 63.8745% | 3,098 |
| Net loans and leases to core deposits | 68.6906% | 3,044 |
| Total domestic deposits to total assets | 88.0700% | 1,906 |
| Equity capital to assets | 11.6756% | 1,096 |
| Core capital (leverage) ratio | 12.1229% | 1,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $177,719,000 | 3,197 |
| Average earning assets | $169,013,500 | 3,157 |
| Average equity | $20,449,500 | 2,844 |
| Average total loans | $98,091,000 | 3,231 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9289% | 4,015 |
| Cost of funding earning assets | 0.4966% | 759 |
| Net interest margin | 2.4324% | 4,282 |
| Noninterest income to average assets | 1.1700% | 523 |
| Noninterest expense to average assets | 2.3262% | 2,554 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.0175% | 2,413 |
| Return on assets (ROA) | 1.0291% | 2,337 |
| Pretax return on assets | 1.0822% | 2,771 |
| Return on Equity (ROE) | 9.2300% | 2,963 |
| Retained earnings to average equity (ytd only) | 3.3723% | 3,680 |
| Net charge-offs to loans | 0.0243% | 1,347 |
| Credit loss provision to net charge-offs | 750.0000% | 488 |
| Earnings coverage of net charge-offs (x) | 100.5625% | 948 |
| Efficiency ratio | 64.6925% | 2,455 |
| Assets per employee ($millions) | 4.9639% | 3,703 |
| Cash dividends to net income (ytd only)* | 63.4777% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 3,641 |
| Loan loss allowance to noncurrent loans | 22.9533% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 2.1681% | 113 |
| Noncurrent loans to loans | 4.1984% | 85 |
| Net loans and leases to total assets | 51.1400% | 3,373 |
| Net loans and leases to deposits | 57.3989% | 3,382 |
| Net loans and leases to core deposits | 60.7060% | 3,332 |
| Total domestic deposits to total assets | 89.1000% | 2,046 |
| Equity capital to assets | 10.6803% | 1,301 |
| Core capital (leverage) ratio | 11.1290% | 1,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $185,536,750 | 3,170 |
| Average earning assets | $176,668,750 | 3,115 |
| Average equity | $20,678,000 | 2,934 |
| Average total loans | $87,912,250 | 3,326 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8360% | 3,926 |
| Cost of funding earning assets | 0.5196% | 464 |
| Net interest margin | 2.3163% | 4,324 |
| Noninterest income to average assets | 1.0486% | 604 |
| Noninterest expense to average assets | 2.2046% | 2,843 |
| Loan and lease loss provision to assets | 0.0645% | 1,446 |
| Net operating income to assets | 0.9356% | 2,420 |
| Return on assets (ROA) | 0.9529% | 2,323 |
| Pretax return on assets | 1.0056% | 2,709 |
| Return on Equity (ROE) | 8.4348% | 2,887 |
| Retained earnings to average equity (ytd only) | 4.1366% | 3,036 |
| Net charge-offs to loans | 0.0421% | 962 |
| Credit loss provision to net charge-offs | 333.3333% | 758 |
| Earnings coverage of net charge-offs (x) | 54.3889% | 1,123 |
| Efficiency ratio | 65.4569% | 2,589 |
| Assets per employee ($millions) | 5.1054% | 3,586 |
| Cash dividends to net income (ytd only)* | 50.9583% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 3,781 |
| Loan loss allowance to noncurrent loans | 28.2119% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 1.5987% | 213 |
| Noncurrent loans to loans | 3.3815% | 139 |
| Net loans and leases to total assets | 46.8274% | 3,648 |
| Net loans and leases to deposits | 52.6373% | 3,636 |
| Net loans and leases to core deposits | 56.2014% | 3,551 |
| Total domestic deposits to total assets | 88.9624% | 2,203 |
| Equity capital to assets | 10.8650% | 1,274 |
| Core capital (leverage) ratio | 11.1394% | 1,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,160,333 | 3,190 |
| Average earning assets | $177,435,667 | 3,154 |
| Average equity | $21,032,000 | 2,969 |
| Average total loans | $85,601,333 | 3,385 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7456% | 3,850 |
| Cost of funding earning assets | 0.5337% | 411 |
| Net interest margin | 2.2119% | 4,334 |
| Noninterest income to average assets | 1.1083% | 551 |
| Noninterest expense to average assets | 2.2166% | 2,797 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9329% | 2,144 |
| Return on assets (ROA) | 0.9329% | 2,137 |
| Pretax return on assets | 1.0001% | 2,439 |
| Return on Equity (ROE) | 8.0992% | 2,651 |
| Retained earnings to average equity (ytd only) | 0.9208% | 3,842 |
| Net charge-offs to loans | 0.0716% | 636 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 30.8000% | 1,118 |
| Efficiency ratio | 66.6218% | 2,690 |
| Assets per employee ($millions) | 5.0144% | 3,743 |
| Cash dividends to net income (ytd only)* | 88.6311% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 3,919 |
| Loan loss allowance to noncurrent loans | 42.4000% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 1.0106% | 496 |
| Noncurrent loans to loans | 2.2214% | 301 |
| Net loans and leases to total assets | 45.0664% | 3,650 |
| Net loans and leases to deposits | 50.8573% | 3,656 |
| Net loans and leases to core deposits | 54.4692% | 3,563 |
| Total domestic deposits to total assets | 88.6133% | 2,250 |
| Equity capital to assets | 11.2126% | 1,229 |
| Core capital (leverage) ratio | 11.0149% | 1,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,790,500 | 3,204 |
| Average earning assets | $176,138,500 | 3,173 |
| Average equity | $21,286,000 | 3,034 |
| Average total loans | $83,747,500 | 3,408 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8836% | 4,085 |
| Cost of funding earning assets | 0.6781% | 354 |
| Net interest margin | 2.2055% | 4,483 |
| Noninterest income to average assets | 1.2650% | 664 |
| Noninterest expense to average assets | 2.3628% | 2,612 |
| Loan and lease loss provision to assets | 0.1361% | 895 |
| Net operating income to assets | 0.8273% | 3,248 |
| Return on assets (ROA) | 0.8409% | 3,281 |
| Pretax return on assets | 0.8755% | 3,556 |
| Return on Equity (ROE) | 6.8893% | 3,545 |
| Retained earnings to average equity (ytd only) | 3.9626% | 3,233 |
| Net charge-offs to loans | 0.0379% | 1,495 |
| Credit loss provision to net charge-offs | 800.0000% | 603 |
| Earnings coverage of net charge-offs (x) | 58.6333% | 1,195 |
| Efficiency ratio | 68.0223% | 1,972 |
| Assets per employee ($millions) | 4.9743% | 3,756 |
| Cash dividends to net income (ytd only)* | 42.4815% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9749% | 3,851 |
| Loan loss allowance to noncurrent loans | 51.3633% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 0.8568% | 683 |
| Noncurrent loans to loans | 1.8980% | 422 |
| Net loans and leases to total assets | 44.7041% | 3,785 |
| Net loans and leases to deposits | 50.7898% | 3,832 |
| Net loans and leases to core deposits | 54.5426% | 3,726 |
| Total domestic deposits to total assets | 88.0178% | 2,035 |
| Equity capital to assets | 11.8279% | 1,332 |
| Core capital (leverage) ratio | 11.1161% | 1,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,361,400 | 3,239 |
| Average earning assets | $167,533,600 | 3,210 |
| Average equity | $21,526,000 | 3,094 |
| Average total loans | $79,088,400 | 3,497 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9342% | 4,113 |
| Cost of funding earning assets | 0.7080% | 370 |
| Net interest margin | 2.2263% | 4,551 |
| Noninterest income to average assets | 1.2902% | 706 |
| Noninterest expense to average assets | 2.3626% | 2,553 |
| Loan and lease loss provision to assets | 0.1531% | 726 |
| Net operating income to assets | 0.8507% | 3,385 |
| Return on assets (ROA) | 0.8690% | 3,401 |
| Pretax return on assets | 0.9065% | 3,677 |
| Return on Equity (ROE) | 7.0624% | 3,652 |
| Retained earnings to average equity (ytd only) | 3.1430% | 3,854 |
| Net charge-offs to loans | 0.0461% | 1,202 |
| Credit loss provision to net charge-offs | 740.7407% | 622 |
| Earnings coverage of net charge-offs (x) | 50.4074% | 1,236 |
| Efficiency ratio | 67.1384% | 1,952 |
| Assets per employee ($millions) | 4.8748% | 3,816 |
| Cash dividends to net income (ytd only)* | 55.4969% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9504% | 4,006 |
| Loan loss allowance to noncurrent loans | 82.1467% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 0.5217% | 1,461 |
| Noncurrent loans to loans | 1.1570% | 966 |
| Net loans and leases to total assets | 44.6640% | 3,897 |
| Net loans and leases to deposits | 50.8721% | 3,963 |
| Net loans and leases to core deposits | 54.8139% | 3,861 |
| Total domestic deposits to total assets | 87.7967% | 1,955 |
| Equity capital to assets | 11.9888% | 1,408 |
| Core capital (leverage) ratio | 11.1444% | 1,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,439,750 | 3,292 |
| Average earning assets | $165,535,750 | 3,259 |
| Average equity | $21,465,250 | 3,131 |
| Average total loans | $78,088,750 | 3,556 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8943% | 4,232 |
| Cost of funding earning assets | 0.7447% | 373 |
| Net interest margin | 2.1497% | 4,626 |
| Noninterest income to average assets | 1.2629% | 731 |
| Noninterest expense to average assets | 2.3356% | 2,657 |
| Loan and lease loss provision to assets | 0.1855% | 614 |
| Net operating income to assets | 0.7547% | 3,630 |
| Return on assets (ROA) | 0.7828% | 3,623 |
| Pretax return on assets | 0.8094% | 3,850 |
| Return on Equity (ROE) | 6.3048% | 3,834 |
| Retained earnings to average equity (ytd only) | 3.4373% | 3,705 |
| Net charge-offs to loans | 0.0156% | 1,635 |
| Credit loss provision to net charge-offs | 2,666.6667% | 227 |
| Earnings coverage of net charge-offs (x) | 138.8333% | 617 |
| Efficiency ratio | 68.3527% | 1,834 |
| Assets per employee ($millions) | 4.8264% | 3,811 |
| Cash dividends to net income (ytd only)* | 45.4815% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9507% | 3,996 |
| Loan loss allowance to noncurrent loans | 52.5802% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 0.8030% | 1,003 |
| Noncurrent loans to loans | 1.8081% | 572 |
| Net loans and leases to total assets | 43.9900% | 4,045 |
| Net loans and leases to deposits | 50.1555% | 4,099 |
| Net loans and leases to core deposits | 53.7996% | 4,033 |
| Total domestic deposits to total assets | 87.7073% | 1,981 |
| Equity capital to assets | 12.0755% | 1,326 |
| Core capital (leverage) ratio | 11.2353% | 1,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,463,333 | 3,312 |
| Average earning assets | $163,560,333 | 3,274 |
| Average equity | $21,412,333 | 3,135 |
| Average total loans | $77,007,333 | 3,603 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8140% | 4,365 |
| Cost of funding earning assets | 0.7926% | 370 |
| Net interest margin | 2.0214% | 4,719 |
| Noninterest income to average assets | 1.4592% | 632 |
| Noninterest expense to average assets | 2.2927% | 2,815 |
| Loan and lease loss provision to assets | 0.1417% | 938 |
| Net operating income to assets | 0.9108% | 3,104 |
| Return on assets (ROA) | 0.9681% | 3,005 |
| Pretax return on assets | 0.9988% | 3,375 |
| Return on Equity (ROE) | 7.6864% | 3,420 |
| Retained earnings to average equity (ytd only) | 1.9310% | 4,022 |
| Net charge-offs to loans | 0.0316% | 1,168 |
| Credit loss provision to net charge-offs | 1,000.0000% | 412 |
| Earnings coverage of net charge-offs (x) | 76.3333% | 723 |
| Efficiency ratio | 65.5703% | 2,293 |
| Assets per employee ($millions) | 4.9774% | 3,685 |
| Cash dividends to net income (ytd only)* | 74.8780% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8290% | 4,347 |
| Loan loss allowance to noncurrent loans | 53.0414% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 0.8513% | 1,045 |
| Noncurrent loans to loans | 1.5629% | 783 |
| Net loans and leases to total assets | 44.9110% | 4,043 |
| Net loans and leases to deposits | 51.2965% | 4,085 |
| Net loans and leases to core deposits | 55.1274% | 4,036 |
| Total domestic deposits to total assets | 87.5517% | 2,067 |
| Equity capital to assets | 12.2439% | 1,178 |
| Core capital (leverage) ratio | 11.4469% | 1,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,406,500 | 3,339 |
| Average earning assets | $160,482,500 | 3,300 |
| Average equity | $21,336,500 | 3,127 |
| Average total loans | $75,856,000 | 3,634 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0315% | 4,612 |
| Cost of funding earning assets | 0.9979% | 598 |
| Net interest margin | 2.0336% | 4,816 |
| Noninterest income to average assets | 1.2467% | 724 |
| Noninterest expense to average assets | 2.3479% | 3,279 |
| Loan and lease loss provision to assets | 0.0257% | 4,075 |
| Net operating income to assets | 0.7691% | 3,205 |
| Return on assets (ROA) | 0.7721% | 3,318 |
| Pretax return on assets | 0.8132% | 3,603 |
| Return on Equity (ROE) | 5.7148% | 3,675 |
| Retained earnings to average equity (ytd only) | 2.3590% | 3,682 |
| Net charge-offs to loans | 0.3602% | 481 |
| Credit loss provision to net charge-offs | 16.0643% | 3,242 |
| Earnings coverage of net charge-offs (x) | 5.2329% | 2,883 |
| Efficiency ratio | 71.0113% | 1,809 |
| Assets per employee ($millions) | 4.5723% | 3,845 |
| Cash dividends to net income (ytd only)* | 58.7209% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8240% | 4,371 |
| Loan loss allowance to noncurrent loans | 34.1491% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 1.0674% | 872 |
| Noncurrent loans to loans | 2.4128% | 434 |
| Net loans and leases to total assets | 43.8744% | 4,254 |
| Net loans and leases to deposits | 50.5442% | 4,287 |
| Net loans and leases to core deposits | 53.9338% | 4,258 |
| Total domestic deposits to total assets | 86.8041% | 2,035 |
| Equity capital to assets | 12.9663% | 1,099 |
| Core capital (leverage) ratio | 11.6426% | 1,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,928,400 | 3,331 |
| Average earning assets | $148,505,800 | 3,286 |
| Average equity | $21,068,000 | 3,089 |
| Average total loans | $69,132,600 | 3,754 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0882% | 4,671 |
| Cost of funding earning assets | 1.0127% | 729 |
| Net interest margin | 2.0755% | 4,863 |
| Noninterest income to average assets | 1.2816% | 660 |
| Noninterest expense to average assets | 2.3092% | 3,401 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9055% | 2,683 |
| Return on assets (ROA) | 0.9096% | 2,790 |
| Pretax return on assets | 0.9564% | 3,208 |
| Return on Equity (ROE) | 6.6604% | 3,321 |
| Retained earnings to average equity (ytd only) | 2.1715% | 3,867 |
| Net charge-offs to loans | 0.4672% | 320 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 4.5941% | 2,807 |
| Efficiency ratio | 68.0936% | 2,177 |
| Assets per employee ($millions) | 4.5139% | 3,837 |
| Cash dividends to net income (ytd only)* | 67.3975% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8044% | 4,356 |
| Loan loss allowance to noncurrent loans | 23.9194% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 1.4665% | 593 |
| Noncurrent loans to loans | 3.3631% | 250 |
| Net loans and leases to total assets | 43.2535% | 4,453 |
| Net loans and leases to deposits | 49.9155% | 4,490 |
| Net loans and leases to core deposits | 53.3856% | 4,477 |
| Total domestic deposits to total assets | 86.6535% | 1,795 |
| Equity capital to assets | 13.0652% | 1,154 |
| Core capital (leverage) ratio | 11.9762% | 1,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,759,500 | 3,336 |
| Average earning assets | $146,661,250 | 3,283 |
| Average equity | $20,999,250 | 3,093 |
| Average total loans | $68,211,000 | 3,785 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1700% | 4,736 |
| Cost of funding earning assets | 1.0359% | 884 |
| Net interest margin | 2.1341% | 4,907 |
| Noninterest income to average assets | 1.3683% | 554 |
| Noninterest expense to average assets | 2.3229% | 3,464 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0371% | 2,196 |
| Return on assets (ROA) | 1.0434% | 2,306 |
| Pretax return on assets | 1.0925% | 2,728 |
| Return on Equity (ROE) | 7.5232% | 2,929 |
| Retained earnings to average equity (ytd only) | 3.6995% | 3,065 |
| Net charge-offs to loans | 0.2852% | 558 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 8.5313% | 2,280 |
| Efficiency ratio | 65.4998% | 2,586 |
| Assets per employee ($millions) | 4.3496% | 3,955 |
| Cash dividends to net income (ytd only)* | 50.8259% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 3,413 |
| Loan loss allowance to noncurrent loans | 20.3134% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 2.2672% | 278 |
| Noncurrent loans to loans | 5.0685% | 109 |
| Net loans and leases to total assets | 43.7708% | 4,461 |
| Net loans and leases to deposits | 50.8329% | 4,500 |
| Net loans and leases to core deposits | 54.3108% | 4,490 |
| Total domestic deposits to total assets | 86.1071% | 1,961 |
| Equity capital to assets | 13.6029% | 957 |
| Core capital (leverage) ratio | 12.4219% | 1,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,846,000 | 3,349 |
| Average earning assets | $144,229,333 | 3,292 |
| Average equity | $20,922,000 | 3,084 |
| Average total loans | $67,329,000 | 3,805 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2547% | 4,838 |
| Cost of funding earning assets | 1.0568% | 1,195 |
| Net interest margin | 2.1979% | 4,963 |
| Noninterest income to average assets | 1.6651% | 329 |
| Noninterest expense to average assets | 2.4220% | 3,490 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2901% | 1,267 |
| Return on assets (ROA) | 1.3029% | 1,333 |
| Pretax return on assets | 1.3705% | 1,652 |
| Return on Equity (ROE) | 9.2992% | 1,992 |
| Retained earnings to average equity (ytd only) | 1.5820% | 3,577 |
| Net charge-offs to loans | 0.5605% | 265 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 5.3978% | 2,062 |
| Efficiency ratio | 61.6595% | 3,534 |
| Assets per employee ($millions) | 4.2967% | 3,535 |
| Cash dividends to net income (ytd only)* | 82.9876% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 3,366 |
| Loan loss allowance to noncurrent loans | 38.1867% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 1.2734% | 934 |
| Noncurrent loans to loans | 2.7926% | 404 |
| Net loans and leases to total assets | 44.1709% | 4,497 |
| Net loans and leases to deposits | 51.5050% | 4,538 |
| Net loans and leases to core deposits | 54.9643% | 4,534 |
| Total domestic deposits to total assets | 85.7605% | 2,102 |
| Equity capital to assets | 13.9669% | 1,070 |
| Core capital (leverage) ratio | 12.8120% | 1,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,977,000 | 3,353 |
| Average earning assets | $142,318,000 | 3,274 |
| Average equity | $20,733,000 | 3,099 |
| Average total loans | $66,368,000 | 3,831 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4822% | 4,869 |
| Cost of funding earning assets | 1.0470% | 1,525 |
| Net interest margin | 2.4351% | 4,999 |
| Noninterest income to average assets | 1.3937% | 491 |
| Noninterest expense to average assets | 2.4293% | 3,619 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2393% | 1,909 |
| Return on assets (ROA) | 1.2426% | 1,979 |
| Pretax return on assets | 1.2978% | 2,510 |
| Return on Equity (ROE) | 9.0542% | 2,729 |
| Retained earnings to average equity (ytd only) | 0.3821% | 4,582 |
| Net charge-offs to loans | 0.0229% | 2,952 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 134.0000% | 542 |
| Efficiency ratio | 62.7200% | 3,259 |
| Assets per employee ($millions) | 4.1591% | 3,682 |
| Cash dividends to net income (ytd only)* | 95.7801% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 2,271 |
| Loan loss allowance to noncurrent loans | 43.2620% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 1.3162% | 830 |
| Noncurrent loans to loans | 2.8509% | 343 |
| Net loans and leases to total assets | 44.5044% | 4,579 |
| Net loans and leases to deposits | 53.6304% | 4,548 |
| Net loans and leases to core deposits | 57.4860% | 4,540 |
| Total domestic deposits to total assets | 82.9834% | 3,197 |
| Equity capital to assets | 14.0565% | 1,080 |
| Core capital (leverage) ratio | 12.8314% | 1,319 |
| Tier 1 risk-based capital ratio | 24.4715% | 789 |
| Total risk-based capital ratio | 25.5220% | 789 |
| Memoranda: | ||
| Average total assets | $144,936,800 | 3,367 |
| Average earning assets | $138,678,200 | 3,298 |
| Average equity | $19,891,400 | 3,143 |
| Average total loans | $61,248,200 | 3,960 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4650% | 4,976 |
| Cost of funding earning assets | 1.0369% | 1,598 |
| Net interest margin | 2.4281% | 5,095 |
| Noninterest income to average assets | 1.4403% | 439 |
| Noninterest expense to average assets | 2.3815% | 3,739 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3271% | 1,742 |
| Return on assets (ROA) | 1.3271% | 1,811 |
| Pretax return on assets | 1.3814% | 2,378 |
| Return on Equity (ROE) | 9.7287% | 2,548 |
| Retained earnings to average equity (ytd only) | 1.0195% | 4,563 |
| Net charge-offs to loans | -0.0332% | 4,723 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7930% | 3,503 |
| Assets per employee ($millions) | 4.2953% | 3,488 |
| Cash dividends to net income (ytd only)* | 89.5211% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 1,845 |
| Loan loss allowance to noncurrent loans | 57.5945% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 1.0278% | 1,299 |
| Noncurrent loans to loans | 2.3067% | 530 |
| Net loans and leases to total assets | 42.6178% | 4,739 |
| Net loans and leases to deposits | 52.3492% | 4,693 |
| Net loans and leases to core deposits | 55.6914% | 4,693 |
| Total domestic deposits to total assets | 81.4106% | 3,636 |
| Equity capital to assets | 14.0420% | 1,135 |
| Core capital (leverage) ratio | 12.7688% | 1,448 |
| Tier 1 risk-based capital ratio | 24.5067% | 806 |
| Total risk-based capital ratio | 25.5996% | 800 |
| Memoranda: | ||
| Average total assets | $144,778,500 | 3,400 |
| Average earning assets | $138,487,000 | 3,332 |
| Average equity | $19,748,750 | 3,172 |
| Average total loans | $60,161,750 | 4,027 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4767% | 5,022 |
| Cost of funding earning assets | 1.0198% | 1,601 |
| Net interest margin | 2.4569% | 5,149 |
| Noninterest income to average assets | 1.5143% | 396 |
| Noninterest expense to average assets | 2.3857% | 3,770 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4256% | 1,356 |
| Return on assets (ROA) | 1.4256% | 1,409 |
| Pretax return on assets | 1.4783% | 1,923 |
| Return on Equity (ROE) | 10.5560% | 2,150 |
| Retained earnings to average equity (ytd only) | 1.8363% | 4,164 |
| Net charge-offs to loans | -0.0743% | 4,940 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3044% | 3,828 |
| Assets per employee ($millions) | 4.1820% | 3,604 |
| Cash dividends to net income (ytd only)* | 82.6045% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3688% | 1,744 |
| Loan loss allowance to noncurrent loans | 75.2449% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 0.7987% | 1,760 |
| Noncurrent loans to loans | 1.8191% | 827 |
| Net loans and leases to total assets | 41.5990% | 4,794 |
| Net loans and leases to deposits | 51.7364% | 4,751 |
| Net loans and leases to core deposits | 55.0684% | 4,745 |
| Total domestic deposits to total assets | 80.4057% | 3,956 |
| Equity capital to assets | 13.8848% | 1,167 |
| Core capital (leverage) ratio | 12.9009% | 1,355 |
| Tier 1 risk-based capital ratio | 25.0350% | 755 |
| Total risk-based capital ratio | 26.1612% | 745 |
| Memoranda: | ||
| Average total assets | $144,358,000 | 3,424 |
| Average earning assets | $138,060,330 | 3,356 |
| Average equity | $19,496,000 | 3,195 |
| Average total loans | $59,190,000 | 4,070 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4714% | 5,066 |
| Cost of funding earning assets | 0.9972% | 1,574 |
| Net interest margin | 2.4741% | 5,199 |
| Noninterest income to average assets | 1.8277% | 280 |
| Noninterest expense to average assets | 2.4471% | 3,634 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7049% | 720 |
| Return on assets (ROA) | 1.7049% | 748 |
| Pretax return on assets | 1.7412% | 1,114 |
| Return on Equity (ROE) | 12.8075% | 1,279 |
| Retained earnings to average equity (ytd only) | 4.4229% | 3,158 |
| Net charge-offs to loans | -0.1588% | 5,135 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1626% | 4,311 |
| Assets per employee ($millions) | 4.3569% | 3,407 |
| Cash dividends to net income (ytd only)* | 65.4664% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4535% | 1,498 |
| Loan loss allowance to noncurrent loans | 87.4741% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 0.7039% | 1,999 |
| Noncurrent loans to loans | 1.6616% | 936 |
| Net loans and leases to total assets | 39.8468% | 4,893 |
| Net loans and leases to deposits | 48.8223% | 4,859 |
| Net loans and leases to core deposits | 51.8400% | 4,843 |
| Total domestic deposits to total assets | 81.6161% | 3,826 |
| Equity capital to assets | 13.6926% | 1,130 |
| Core capital (leverage) ratio | 13.0068% | 1,274 |
| Tier 1 risk-based capital ratio | 25.9116% | 693 |
| Total risk-based capital ratio | 27.0773% | 682 |
| Memoranda: | ||
| Average total assets | $143,352,500 | 3,477 |
| Average earning assets | $136,776,500 | 3,417 |
| Average equity | $19,082,500 | 3,255 |
| Average total loans | $57,918,500 | 4,132 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3909% | 5,015 |
| Cost of funding earning assets | 0.8862% | 1,150 |
| Net interest margin | 2.5047% | 5,213 |
| Noninterest income to average assets | 1.2532% | 595 |
| Noninterest expense to average assets | 2.1406% | 4,471 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4320% | 1,331 |
| Return on assets (ROA) | 1.4320% | 1,324 |
| Pretax return on assets | 1.5055% | 1,767 |
| Return on Equity (ROE) | 11.8125% | 1,782 |
| Retained earnings to average equity (ytd only) | 6.4279% | 1,960 |
| Net charge-offs to loans | 0.2006% | 954 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 19.5929% | 2,052 |
| Efficiency ratio | 56.1731% | 4,383 |
| Assets per employee ($millions) | 4.3311% | 3,412 |
| Cash dividends to net income (ytd only)* | 45.5840% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4263% | 1,537 |
| Loan loss allowance to noncurrent loans | 89.7492% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.6738% | 2,038 |
| Noncurrent loans to loans | 1.5892% | 924 |
| Net loans and leases to total assets | 39.7951% | 4,953 |
| Net loans and leases to deposits | 49.1264% | 4,911 |
| Net loans and leases to core deposits | 51.9524% | 4,895 |
| Total domestic deposits to total assets | 81.0057% | 3,884 |
| Equity capital to assets | 12.9283% | 1,384 |
| Core capital (leverage) ratio | 12.9475% | 1,269 |
| Tier 1 risk-based capital ratio | 25.8792% | 676 |
| Total risk-based capital ratio | 27.0283% | 669 |
| Memoranda: | ||
| Average total assets | $147,062,800 | 3,415 |
| Average earning assets | $140,495,000 | 3,353 |
| Average equity | $17,828,600 | 3,312 |
| Average total loans | $56,317,400 | 4,179 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3680% | 5,066 |
| Cost of funding earning assets | 0.8531% | 1,106 |
| Net interest margin | 2.5150% | 5,277 |
| Noninterest income to average assets | 1.2316% | 634 |
| Noninterest expense to average assets | 2.0905% | 4,575 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4702% | 1,273 |
| Return on assets (ROA) | 1.4702% | 1,273 |
| Pretax return on assets | 1.5458% | 1,743 |
| Return on Equity (ROE) | 12.3245% | 1,672 |
| Retained earnings to average equity (ytd only) | 5.1170% | 3,177 |
| Net charge-offs to loans | 0.0738% | 1,790 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 55.3903% | 1,106 |
| Efficiency ratio | 54.9641% | 4,511 |
| Assets per employee ($millions) | 4.3325% | 3,381 |
| Cash dividends to net income (ytd only)* | 58.4812% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5784% | 1,127 |
| Loan loss allowance to noncurrent loans | 100.1106% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 0.6749% | 2,176 |
| Noncurrent loans to loans | 1.5767% | 1,014 |
| Net loans and leases to total assets | 39.4694% | 5,039 |
| Net loans and leases to deposits | 48.6340% | 4,996 |
| Net loans and leases to core deposits | 51.3046% | 4,984 |
| Total domestic deposits to total assets | 81.1560% | 3,826 |
| Equity capital to assets | 12.1050% | 1,835 |
| Core capital (leverage) ratio | 12.4950% | 1,505 |
| Tier 1 risk-based capital ratio | 25.0723% | 749 |
| Total risk-based capital ratio | 26.3222% | 731 |
| Memoranda: | ||
| Average total assets | $148,096,750 | 3,444 |
| Average earning assets | $141,601,750 | 3,373 |
| Average equity | $17,666,250 | 3,357 |
| Average total loans | $55,971,500 | 4,231 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3589% | 5,082 |
| Cost of funding earning assets | 0.8373% | 976 |
| Net interest margin | 2.5216% | 5,331 |
| Noninterest income to average assets | 1.1789% | 687 |
| Noninterest expense to average assets | 2.0360% | 4,732 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4793% | 1,203 |
| Return on assets (ROA) | 1.4793% | 1,204 |
| Pretax return on assets | 1.5554% | 1,644 |
| Return on Equity (ROE) | 12.4592% | 1,559 |
| Retained earnings to average equity (ytd only) | 8.5236% | 1,398 |
| Net charge-offs to loans | 0.0937% | 1,409 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 44.8077% | 1,212 |
| Efficiency ratio | 54.1636% | 4,675 |
| Assets per employee ($millions) | 4.4587% | 3,186 |
| Cash dividends to net income (ytd only)* | 31.5884% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5916% | 1,142 |
| Loan loss allowance to noncurrent loans | 51.8223% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 1.1975% | 1,195 |
| Noncurrent loans to loans | 3.0713% | 362 |
| Net loans and leases to total assets | 38.2401% | 5,115 |
| Net loans and leases to deposits | 45.9074% | 5,101 |
| Net loans and leases to core deposits | 48.3788% | 5,082 |
| Total domestic deposits to total assets | 83.2984% | 3,325 |
| Equity capital to assets | 12.1337% | 1,757 |
| Core capital (leverage) ratio | 12.0285% | 1,697 |
| Tier 1 risk-based capital ratio | 25.0808% | 726 |
| Total risk-based capital ratio | 26.3307% | 715 |
| Memoranda: | ||
| Average total assets | $149,804,330 | 3,439 |
| Average earning assets | $143,321,330 | 3,376 |
| Average equity | $17,786,000 | 3,356 |
| Average total loans | $55,516,670 | 4,270 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3143% | 5,121 |
| Cost of funding earning assets | 0.8293% | 835 |
| Net interest margin | 2.4850% | 5,404 |
| Noninterest income to average assets | 1.1618% | 680 |
| Noninterest expense to average assets | 1.9955% | 4,856 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4662% | 1,160 |
| Return on assets (ROA) | 1.4662% | 1,159 |
| Pretax return on assets | 1.5456% | 1,542 |
| Return on Equity (ROE) | 12.4827% | 1,417 |
| Retained earnings to average equity (ytd only) | 4.5965% | 3,361 |
| Net charge-offs to loans | 0.1975% | 744 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 21.6296% | 1,428 |
| Efficiency ratio | 53.8117% | 4,816 |
| Assets per employee ($millions) | 4.6098% | 2,987 |
| Cash dividends to net income (ytd only)* | 63.1769% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6385% | 1,078 |
| Loan loss allowance to noncurrent loans | 36.4037% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 1.6454% | 811 |
| Noncurrent loans to loans | 4.5008% | 192 |
| Net loans and leases to total assets | 35.8721% | 5,212 |
| Net loans and leases to deposits | 43.2917% | 5,176 |
| Net loans and leases to core deposits | 45.7050% | 5,172 |
| Total domestic deposits to total assets | 82.8613% | 3,712 |
| Equity capital to assets | 11.4275% | 2,194 |
| Core capital (leverage) ratio | 11.5818% | 1,952 |
| Tier 1 risk-based capital ratio | 23.6015% | 883 |
| Total risk-based capital ratio | 24.8280% | 865 |
| Memoranda: | ||
| Average total assets | $151,138,500 | 3,456 |
| Average earning assets | $144,707,500 | 3,396 |
| Average equity | $17,752,500 | 3,390 |
| Average total loans | $54,687,500 | 4,335 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3036% | 5,079 |
| Cost of funding earning assets | 0.7984% | 631 |
| Net interest margin | 2.5052% | 5,409 |
| Noninterest income to average assets | 0.9718% | 1,086 |
| Noninterest expense to average assets | 1.8447% | 5,201 |
| Loan and lease loss provision to assets | 0.1937% | 1,085 |
| Net operating income to assets | 1.2735% | 1,293 |
| Return on assets (ROA) | 1.2735% | 1,316 |
| Pretax return on assets | 1.3461% | 2,188 |
| Return on Equity (ROE) | 11.0324% | 1,467 |
| Retained earnings to average equity (ytd only) | 2.9253% | 3,554 |
| Net charge-offs to loans | 0.1358% | 1,711 |
| Credit loss provision to net charge-offs | 400.0000% | 755 |
| Earnings coverage of net charge-offs (x) | 31.7973% | 1,487 |
| Efficiency ratio | 52.9196% | 5,045 |
| Assets per employee ($millions) | 4.6923% | 2,878 |
| Cash dividends to net income (ytd only)* | 73.4841% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7367% | 881 |
| Loan loss allowance to noncurrent loans | 53.5776% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 1.1808% | 1,260 |
| Noncurrent loans to loans | 3.2414% | 325 |
| Net loans and leases to total assets | 35.2707% | 5,308 |
| Net loans and leases to deposits | 42.7231% | 5,274 |
| Net loans and leases to core deposits | 44.7641% | 5,273 |
| Total domestic deposits to total assets | 82.5565% | 3,711 |
| Equity capital to assets | 12.0684% | 1,788 |
| Core capital (leverage) ratio | 12.0270% | 1,589 |
| Tier 1 risk-based capital ratio | 25.4297% | 691 |
| Total risk-based capital ratio | 26.6807% | 684 |
| Memoranda: | ||
| Average total assets | $152,812,400 | 3,433 |
| Average earning assets | $147,172,600 | 3,360 |
| Average equity | $17,639,000 | 3,411 |
| Average total loans | $54,508,000 | 4,347 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2943% | 5,117 |
| Cost of funding earning assets | 0.7909% | 607 |
| Net interest margin | 2.5034% | 5,468 |
| Noninterest income to average assets | 0.9252% | 1,200 |
| Noninterest expense to average assets | 1.8139% | 5,257 |
| Loan and lease loss provision to assets | 0.2571% | 666 |
| Net operating income to assets | 1.1971% | 1,706 |
| Return on assets (ROA) | 1.1971% | 1,739 |
| Pretax return on assets | 1.2683% | 2,628 |
| Return on Equity (ROE) | 10.4877% | 1,910 |
| Retained earnings to average equity (ytd only) | -0.3958% | 5,271 |
| Net charge-offs to loans | 0.1683% | 1,234 |
| Credit loss provision to net charge-offs | 428.9855% | 729 |
| Earnings coverage of net charge-offs (x) | 25.4486% | 1,727 |
| Efficiency ratio | 52.7315% | 5,044 |
| Assets per employee ($millions) | 5.2127% | 2,215 |
| Cash dividends to net income (ytd only)* | 103.7735% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7022% | 1,031 |
| Loan loss allowance to noncurrent loans | 45.0670% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 1.3984% | 1,118 |
| Noncurrent loans to loans | 3.7770% | 276 |
| Net loans and leases to total assets | 35.9472% | 5,350 |
| Net loans and leases to deposits | 42.7939% | 5,344 |
| Net loans and leases to core deposits | 44.7856% | 5,348 |
| Total domestic deposits to total assets | 84.0007% | 3,124 |
| Equity capital to assets | 11.8067% | 2,106 |
| Core capital (leverage) ratio | 11.5604% | 1,980 |
| Tier 1 risk-based capital ratio | 24.1773% | 832 |
| Total risk-based capital ratio | 25.4279% | 813 |
| Memoranda: | ||
| Average total assets | $153,477,250 | 3,455 |
| Average earning assets | $148,008,000 | 3,379 |
| Average equity | $17,518,500 | 3,458 |
| Average total loans | $54,661,000 | 4,373 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2596% | 5,168 |
| Cost of funding earning assets | 0.7837% | 569 |
| Net interest margin | 2.4760% | 5,522 |
| Noninterest income to average assets | 0.8973% | 1,278 |
| Noninterest expense to average assets | 1.7997% | 5,311 |
| Loan and lease loss provision to assets | 0.3838% | 360 |
| Net operating income to assets | 1.0347% | 2,277 |
| Return on assets (ROA) | 1.0347% | 2,319 |
| Pretax return on assets | 1.1021% | 3,170 |
| Return on Equity (ROE) | 9.1678% | 2,426 |
| Retained earnings to average equity (ytd only) | 3.4236% | 3,673 |
| Net charge-offs to loans | 0.0551% | 2,144 |
| Credit loss provision to net charge-offs | 1,973.3333% | 220 |
| Earnings coverage of net charge-offs (x) | 76.4000% | 794 |
| Efficiency ratio | 53.1571% | 5,084 |
| Assets per employee ($millions) | 4.7411% | 2,733 |
| Cash dividends to net income (ytd only)* | 62.6566% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8113% | 867 |
| Loan loss allowance to noncurrent loans | 44.1829% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 1.4975% | 1,020 |
| Noncurrent loans to loans | 4.0996% | 227 |
| Net loans and leases to total assets | 35.5515% | 5,396 |
| Net loans and leases to deposits | 41.3019% | 5,413 |
| Net loans and leases to core deposits | 43.0817% | 5,419 |
| Total domestic deposits to total assets | 86.0772% | 2,349 |
| Equity capital to assets | 11.9303% | 1,975 |
| Core capital (leverage) ratio | 11.5918% | 1,903 |
| Tier 1 risk-based capital ratio | 24.7053% | 786 |
| Total risk-based capital ratio | 25.9568% | 762 |
| Memoranda: | ||
| Average total assets | $154,246,670 | 3,465 |
| Average earning assets | $148,790,330 | 3,388 |
| Average equity | $17,408,670 | 3,481 |
| Average total loans | $54,454,000 | 4,402 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2583% | 5,166 |
| Cost of funding earning assets | 0.7766% | 561 |
| Net interest margin | 2.4818% | 5,562 |
| Noninterest income to average assets | 0.9543% | 1,095 |
| Noninterest expense to average assets | 1.7336% | 5,446 |
| Loan and lease loss provision to assets | 0.7614% | 132 |
| Net operating income to assets | 0.7845% | 3,286 |
| Return on assets (ROA) | 0.7845% | 3,343 |
| Pretax return on assets | 0.8514% | 3,935 |
| Return on Equity (ROE) | 7.1500% | 3,342 |
| Retained earnings to average equity (ytd only) | -4.5713% | 5,359 |
| Net charge-offs to loans | 0.1107% | 1,284 |
| Credit loss provision to net charge-offs | 1,973.3333% | 174 |
| Earnings coverage of net charge-offs (x) | 41.8000% | 1,008 |
| Efficiency ratio | 50.2690% | 5,361 |
| Assets per employee ($millions) | 4.7025% | 2,840 |
| Cash dividends to net income (ytd only)* | 163.9344% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8366% | 897 |
| Loan loss allowance to noncurrent loans | 29.9068% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 2.1568% | 585 |
| Noncurrent loans to loans | 6.1410% | 107 |
| Net loans and leases to total assets | 34.2703% | 5,460 |
| Net loans and leases to deposits | 40.2446% | 5,464 |
| Net loans and leases to core deposits | 41.8591% | 5,473 |
| Total domestic deposits to total assets | 85.1550% | 3,024 |
| Equity capital to assets | 11.1854% | 2,441 |
| Core capital (leverage) ratio | 11.2422% | 2,155 |
| Tier 1 risk-based capital ratio | 23.7179% | 894 |
| Total risk-based capital ratio | 24.9692% | 877 |
| Memoranda: | ||
| Average total assets | $155,512,500 | 3,483 |
| Average earning assets | $149,892,000 | 3,399 |
| Average equity | $17,063,000 | 3,543 |
| Average total loans | $54,215,000 | 4,451 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5310% | 4,697 |
| Cost of funding earning assets | 0.7790% | 555 |
| Net interest margin | 2.7520% | 5,353 |
| Noninterest income to average assets | 0.9156% | 1,359 |
| Noninterest expense to average assets | 1.8810% | 5,388 |
| Loan and lease loss provision to assets | 0.0657% | 3,050 |
| Net operating income to assets | 1.5415% | 770 |
| Return on assets (ROA) | 1.5415% | 792 |
| Pretax return on assets | 1.6210% | 1,218 |
| Return on Equity (ROE) | 13.3551% | 917 |
| Retained earnings to average equity (ytd only) | 8.8029% | 629 |
| Net charge-offs to loans | 0.5155% | 477 |
| Credit loss provision to net charge-offs | 37.4532% | 3,518 |
| Earnings coverage of net charge-offs (x) | 9.6180% | 2,736 |
| Efficiency ratio | 50.6443% | 5,455 |
| Assets per employee ($millions) | 4.8700% | 2,544 |
| Cash dividends to net income (ytd only)* | 34.0861% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 2,457 |
| Loan loss allowance to noncurrent loans | 35.9336% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 1.3649% | 1,263 |
| Noncurrent loans to loans | 3.6625% | 316 |
| Net loans and leases to total assets | 34.3549% | 5,541 |
| Net loans and leases to deposits | 40.4660% | 5,533 |
| Net loans and leases to core deposits | 42.1879% | 5,544 |
| Total domestic deposits to total assets | 84.8981% | 3,094 |
| Equity capital to assets | 10.7597% | 2,856 |
| Core capital (leverage) ratio | 11.4100% | 2,001 |
| Tier 1 risk-based capital ratio | 24.0123% | 865 |
| Total risk-based capital ratio | 24.9711% | 882 |
| Memoranda: | ||
| Average total assets | $152,255,600 | 3,484 |
| Average earning assets | $146,729,200 | 3,408 |
| Average equity | $17,573,800 | 3,480 |
| Average total loans | $51,799,200 | 4,525 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6162% | 4,500 |
| Cost of funding earning assets | 0.7784% | 556 |
| Net interest margin | 2.8378% | 5,288 |
| Noninterest income to average assets | 0.8941% | 1,428 |
| Noninterest expense to average assets | 1.8807% | 5,416 |
| Loan and lease loss provision to assets | 0.0661% | 2,905 |
| Net operating income to assets | 1.6006% | 729 |
| Return on assets (ROA) | 1.6006% | 769 |
| Pretax return on assets | 1.6834% | 1,163 |
| Return on Equity (ROE) | 13.6291% | 892 |
| Retained earnings to average equity (ytd only) | 7.6284% | 1,348 |
| Net charge-offs to loans | 0.0469% | 2,706 |
| Credit loss provision to net charge-offs | 416.6667% | 815 |
| Earnings coverage of net charge-offs (x) | 110.3304% | 613 |
| Efficiency ratio | 49.5753% | 5,532 |
| Assets per employee ($millions) | 4.8008% | 2,609 |
| Cash dividends to net income (ytd only)* | 44.0285% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8208% | 978 |
| Loan loss allowance to noncurrent loans | 34.9218% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 1.8135% | 903 |
| Noncurrent loans to loans | 5.2140% | 155 |
| Net loans and leases to total assets | 32.9224% | 5,659 |
| Net loans and leases to deposits | 38.2383% | 5,670 |
| Net loans and leases to core deposits | 39.8646% | 5,685 |
| Total domestic deposits to total assets | 86.0980% | 2,304 |
| Equity capital to assets | 12.0182% | 2,105 |
| Core capital (leverage) ratio | 11.3763% | 2,130 |
| Tier 1 risk-based capital ratio | 23.9956% | 906 |
| Total risk-based capital ratio | 25.2467% | 881 |
| Memoranda: | ||
| Average total assets | $151,359,250 | 3,515 |
| Average earning assets | $145,932,250 | 3,436 |
| Average equity | $17,775,250 | 3,465 |
| Average total loans | $51,185,750 | 4,579 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5505% | 4,742 |
| Cost of funding earning assets | 0.7787% | 544 |
| Net interest margin | 2.7717% | 5,478 |
| Noninterest income to average assets | 0.8884% | 1,409 |
| Noninterest expense to average assets | 1.9229% | 5,413 |
| Loan and lease loss provision to assets | 0.0664% | 2,812 |
| Net operating income to assets | 1.4927% | 905 |
| Return on assets (ROA) | 1.4927% | 946 |
| Pretax return on assets | 1.5697% | 1,457 |
| Return on Equity (ROE) | 12.8120% | 1,078 |
| Retained earnings to average equity (ytd only) | 7.6827% | 1,296 |
| Net charge-offs to loans | 0.0274% | 2,933 |
| Credit loss provision to net charge-offs | 714.2857% | 496 |
| Earnings coverage of net charge-offs (x) | 176.0000% | 368 |
| Efficiency ratio | 51.7164% | 5,456 |
| Assets per employee ($millions) | 4.6777% | 2,751 |
| Cash dividends to net income (ytd only)* | 40.0356% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8395% | 1,006 |
| Loan loss allowance to noncurrent loans | 40.7767% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 1.5840% | 1,176 |
| Noncurrent loans to loans | 4.5112% | 228 |
| Net loans and leases to total assets | 32.9394% | 5,710 |
| Net loans and leases to deposits | 38.3958% | 5,739 |
| Net loans and leases to core deposits | 40.0793% | 5,743 |
| Total domestic deposits to total assets | 85.7890% | 2,526 |
| Equity capital to assets | 12.2957% | 1,908 |
| Core capital (leverage) ratio | 11.3157% | 2,135 |
| Tier 1 risk-based capital ratio | 23.9609% | 909 |
| Total risk-based capital ratio | 25.2113% | 889 |
| Memoranda: | ||
| Average total assets | $150,604,000 | 3,553 |
| Average earning assets | $145,107,670 | 3,467 |
| Average equity | $17,546,000 | 3,509 |
| Average total loans | $51,076,000 | 4,610 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4629% | 4,976 |
| Cost of funding earning assets | 0.7784% | 549 |
| Net interest margin | 2.6845% | 5,636 |
| Noninterest income to average assets | 0.9824% | 1,118 |
| Noninterest expense to average assets | 1.9277% | 5,484 |
| Loan and lease loss provision to assets | 0.0662% | 2,639 |
| Net operating income to assets | 1.4987% | 854 |
| Return on assets (ROA) | 1.4987% | 897 |
| Pretax return on assets | 1.5729% | 1,367 |
| Return on Equity (ROE) | 13.2270% | 989 |
| Retained earnings to average equity (ytd only) | 3.8793% | 3,557 |
| Net charge-offs to loans | 0.0621% | 1,876 |
| Credit loss provision to net charge-offs | 312.5000% | 824 |
| Earnings coverage of net charge-offs (x) | 77.3750% | 652 |
| Efficiency ratio | 51.7446% | 5,530 |
| Assets per employee ($millions) | 4.7379% | 2,691 |
| Cash dividends to net income (ytd only)* | 70.6714% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6810% | 1,411 |
| Loan loss allowance to noncurrent loans | 25.9988% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 2.3243% | 672 |
| Noncurrent loans to loans | 6.4657% | 124 |
| Net loans and leases to total assets | 34.6419% | 5,693 |
| Net loans and leases to deposits | 40.7040% | 5,688 |
| Net loans and leases to core deposits | 42.4787% | 5,698 |
| Total domestic deposits to total assets | 85.1069% | 3,087 |
| Equity capital to assets | 11.4963% | 2,444 |
| Core capital (leverage) ratio | 11.0138% | 2,398 |
| Tier 1 risk-based capital ratio | 22.5898% | 1,079 |
| Total risk-based capital ratio | 23.8062% | 1,054 |
| Memoranda: | ||
| Average total assets | $151,062,500 | 3,569 |
| Average earning assets | $145,428,000 | 3,485 |
| Average equity | $17,116,500 | 3,566 |
| Average total loans | $51,499,000 | 4,630 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3603% | 5,244 |
| Cost of funding earning assets | 0.7900% | 515 |
| Net interest margin | 2.5703% | 5,778 |
| Noninterest income to average assets | 1.0197% | 1,135 |
| Noninterest expense to average assets | 2.1117% | 5,237 |
| Loan and lease loss provision to assets | 0.2253% | 905 |
| Net operating income to assets | 1.1020% | 1,916 |
| Return on assets (ROA) | 1.1020% | 1,987 |
| Pretax return on assets | 1.1580% | 2,816 |
| Return on Equity (ROE) | 10.0343% | 1,997 |
| Retained earnings to average equity (ytd only) | 5.1215% | 2,334 |
| Net charge-offs to loans | 0.1627% | 1,739 |
| Credit loss provision to net charge-offs | 439.4737% | 699 |
| Earnings coverage of net charge-offs (x) | 26.9868% | 1,559 |
| Efficiency ratio | 58.0471% | 5,138 |
| Assets per employee ($millions) | 4.5609% | 2,942 |
| Cash dividends to net income (ytd only)* | 48.9596% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7770% | 1,177 |
| Loan loss allowance to noncurrent loans | 56.4020% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 1.0378% | 2,114 |
| Noncurrent loans to loans | 3.1506% | 492 |
| Net loans and leases to total assets | 32.3544% | 5,827 |
| Net loans and leases to deposits | 37.8203% | 5,843 |
| Net loans and leases to core deposits | 39.4723% | 5,840 |
| Total domestic deposits to total assets | 85.5479% | 2,842 |
| Equity capital to assets | 11.1640% | 2,663 |
| Core capital (leverage) ratio | 10.8662% | 2,536 |
| Tier 1 risk-based capital ratio | 23.4849% | 958 |
| Total risk-based capital ratio | 24.7334% | 947 |
| Memoranda: | ||
| Average total assets | $148,272,200 | 3,595 |
| Average earning assets | $142,784,400 | 3,502 |
| Average equity | $16,284,200 | 3,630 |
| Average total loans | $46,706,000 | 4,767 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3051% | 5,399 |
| Cost of funding earning assets | 0.7890% | 526 |
| Net interest margin | 2.5161% | 5,902 |
| Noninterest income to average assets | 0.9893% | 1,209 |
| Noninterest expense to average assets | 2.0851% | 5,307 |
| Loan and lease loss provision to assets | 0.3015% | 486 |
| Net operating income to assets | 0.9739% | 2,603 |
| Return on assets (ROA) | 0.9739% | 2,683 |
| Pretax return on assets | 1.0263% | 3,515 |
| Return on Equity (ROE) | 8.9054% | 2,627 |
| Retained earnings to average equity (ytd only) | 2.3027% | 4,734 |
| Net charge-offs to loans | 0.2145% | 1,215 |
| Credit loss provision to net charge-offs | 451.3514% | 699 |
| Earnings coverage of net charge-offs (x) | 19.8792% | 1,908 |
| Efficiency ratio | 58.6617% | 5,046 |
| Assets per employee ($millions) | 4.5307% | 2,949 |
| Cash dividends to net income (ytd only)* | 74.1428% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8180% | 1,231 |
| Loan loss allowance to noncurrent loans | 63.6626% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 0.9277% | 2,542 |
| Noncurrent loans to loans | 2.8557% | 641 |
| Net loans and leases to total assets | 31.8944% | 5,928 |
| Net loans and leases to deposits | 37.1271% | 5,951 |
| Net loans and leases to core deposits | 38.9019% | 5,946 |
| Total domestic deposits to total assets | 85.9061% | 2,578 |
| Equity capital to assets | 11.0640% | 2,947 |
| Core capital (leverage) ratio | 10.6169% | 2,909 |
| Tier 1 risk-based capital ratio | 22.8822% | 1,067 |
| Total risk-based capital ratio | 24.1320% | 1,049 |
| Memoranda: | ||
| Average total assets | $147,712,500 | 3,639 |
| Average earning assets | $142,281,000 | 3,540 |
| Average equity | $16,154,500 | 3,683 |
| Average total loans | $45,988,000 | 4,845 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2856% | 5,463 |
| Cost of funding earning assets | 0.7836% | 547 |
| Net interest margin | 2.5020% | 5,958 |
| Noninterest income to average assets | 0.8878% | 1,479 |
| Noninterest expense to average assets | 2.0651% | 5,407 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1719% | 1,691 |
| Return on assets (ROA) | 1.1719% | 1,763 |
| Pretax return on assets | 1.2317% | 2,643 |
| Return on Equity (ROE) | 10.7580% | 1,762 |
| Retained earnings to average equity (ytd only) | 5.1419% | 2,770 |
| Net charge-offs to loans | 0.0355% | 2,964 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 113.2500% | 555 |
| Efficiency ratio | 60.0825% | 4,966 |
| Assets per employee ($millions) | 4.4438% | 3,076 |
| Cash dividends to net income (ytd only)* | 52.2042% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 3,126 |
| Loan loss allowance to noncurrent loans | 43.7722% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 0.9581% | 2,612 |
| Noncurrent loans to loans | 3.0172% | 655 |
| Net loans and leases to total assets | 31.3349% | 5,999 |
| Net loans and leases to deposits | 36.3235% | 6,025 |
| Net loans and leases to core deposits | 38.1675% | 6,019 |
| Total domestic deposits to total assets | 86.2662% | 2,548 |
| Equity capital to assets | 10.9421% | 2,944 |
| Core capital (leverage) ratio | 10.6919% | 2,744 |
| Tier 1 risk-based capital ratio | 23.7711% | 981 |
| Total risk-based capital ratio | 24.6819% | 1,008 |
| Memoranda: | ||
| Average total assets | $147,112,670 | 3,673 |
| Average earning assets | $141,649,000 | 3,573 |
| Average equity | $16,025,330 | 3,721 |
| Average total loans | $45,127,670 | 4,913 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2642% | 5,527 |
| Cost of funding earning assets | 0.7533% | 643 |
| Net interest margin | 2.5109% | 6,004 |
| Noninterest income to average assets | 0.9121% | 1,350 |
| Noninterest expense to average assets | 2.0279% | 5,526 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2352% | 1,447 |
| Return on assets (ROA) | 1.2352% | 1,534 |
| Pretax return on assets | 1.3003% | 2,283 |
| Return on Equity (ROE) | 11.3643% | 1,532 |
| Retained earnings to average equity (ytd only) | 0.1249% | 5,335 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4013% | 5,293 |
| Assets per employee ($millions) | 4.6676% | 2,808 |
| Cash dividends to net income (ytd only)* | 98.9011% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 2,925 |
| Loan loss allowance to noncurrent loans | 37.3950% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 1.1154% | 2,400 |
| Noncurrent loans to loans | 3.7406% | 485 |
| Net loans and leases to total assets | 29.4013% | 6,095 |
| Net loans and leases to deposits | 35.0876% | 6,089 |
| Net loans and leases to core deposits | 36.9664% | 6,075 |
| Total domestic deposits to total assets | 83.7940% | 3,893 |
| Equity capital to assets | 10.9832% | 2,987 |
| Core capital (leverage) ratio | 10.5734% | 2,876 |
| Tier 1 risk-based capital ratio | 23.0566% | 1,099 |
| Total risk-based capital ratio | 23.9756% | 1,127 |
| Memoranda: | ||
| Average total assets | $147,346,500 | 3,692 |
| Average earning assets | $141,780,000 | 3,595 |
| Average equity | $16,015,000 | 3,747 |
| Average total loans | $44,408,500 | 4,968 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3325% | 5,656 |
| Cost of funding earning assets | 0.7922% | 674 |
| Net interest margin | 2.5403% | 6,121 |
| Noninterest income to average assets | 0.7566% | 2,050 |
| Noninterest expense to average assets | 1.8958% | 5,949 |
| Loan and lease loss provision to assets | 0.0284% | 4,039 |
| Net operating income to assets | 1.2258% | 1,512 |
| Return on assets (ROA) | 1.2258% | 1,565 |
| Pretax return on assets | 1.2904% | 2,276 |
| Return on Equity (ROE) | 12.3294% | 1,317 |
| Retained earnings to average equity (ytd only) | 7.3319% | 1,260 |
| Net charge-offs to loans | 0.0257% | 4,310 |
| Credit loss provision to net charge-offs | 363.6364% | 719 |
| Earnings coverage of net charge-offs (x) | 168.9091% | 316 |
| Efficiency ratio | 57.6286% | 5,501 |
| Assets per employee ($millions) | 5.0113% | 2,308 |
| Cash dividends to net income (ytd only)* | 40.5327% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4047% | 2,928 |
| Loan loss allowance to noncurrent loans | 65.7505% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 0.6509% | 3,616 |
| Noncurrent loans to loans | 2.1365% | 1,268 |
| Net loans and leases to total assets | 30.0401% | 6,179 |
| Net loans and leases to deposits | 35.3221% | 6,188 |
| Net loans and leases to core deposits | 37.0845% | 6,178 |
| Total domestic deposits to total assets | 85.0463% | 3,263 |
| Equity capital to assets | 10.7515% | 3,178 |
| Core capital (leverage) ratio | 10.8259% | 2,588 |
| Tier 1 risk-based capital ratio | 22.5388% | 1,145 |
| Total risk-based capital ratio | 23.4299% | 1,175 |
| Memoranda: | ||
| Average total assets | $140,891,800 | 3,783 |
| Average earning assets | $136,322,400 | 3,652 |
| Average equity | $14,007,200 | 4,024 |
| Average total loans | $42,783,800 | 5,080 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3190% | 5,731 |
| Cost of funding earning assets | 0.7936% | 708 |
| Net interest margin | 2.5254% | 6,206 |
| Noninterest income to average assets | 0.7278% | 2,196 |
| Noninterest expense to average assets | 1.8380% | 6,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2715% | 1,459 |
| Return on assets (ROA) | 1.2715% | 1,515 |
| Pretax return on assets | 1.3363% | 2,250 |
| Return on Equity (ROE) | 13.0657% | 1,208 |
| Retained earnings to average equity (ytd only) | 6.2045% | 2,269 |
| Net charge-offs to loans | 0.0377% | 3,742 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 116.7469% | 510 |
| Efficiency ratio | 56.5505% | 5,603 |
| Assets per employee ($millions) | 4.9187% | 2,354 |
| Cash dividends to net income (ytd only)* | 52.5131% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 3,528 |
| Loan loss allowance to noncurrent loans | 28.5015% | 5,772 |
| Noncurrent assets plus other real estate owned to assets | 1.4316% | 2,159 |
| Noncurrent loans to loans | 4.6448% | 414 |
| Net loans and leases to total assets | 30.4127% | 6,237 |
| Net loans and leases to deposits | 35.1762% | 6,266 |
| Net loans and leases to core deposits | 37.0155% | 6,261 |
| Total domestic deposits to total assets | 86.4583% | 2,609 |
| Equity capital to assets | 10.2649% | 3,836 |
| Core capital (leverage) ratio | 10.7441% | 2,768 |
| Tier 1 risk-based capital ratio | 22.4867% | 1,188 |
| Total risk-based capital ratio | 23.3394% | 1,233 |
| Memoranda: | ||
| Average total assets | $139,782,500 | 3,830 |
| Average earning assets | $135,418,250 | 3,696 |
| Average equity | $13,602,750 | 4,110 |
| Average total loans | $42,410,000 | 5,144 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2965% | 5,798 |
| Cost of funding earning assets | 0.7866% | 766 |
| Net interest margin | 2.5099% | 6,262 |
| Noninterest income to average assets | 0.6339% | 2,641 |
| Noninterest expense to average assets | 1.8642% | 6,056 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1438% | 1,776 |
| Return on assets (ROA) | 1.1438% | 1,864 |
| Pretax return on assets | 1.2015% | 2,664 |
| Return on Equity (ROE) | 11.9792% | 1,427 |
| Retained earnings to average equity (ytd only) | 6.6987% | 1,928 |
| Net charge-offs to loans | 0.0573% | 3,148 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 69.5000% | 737 |
| Efficiency ratio | 59.3985% | 5,373 |
| Assets per employee ($millions) | 4.7390% | 2,554 |
| Cash dividends to net income (ytd only)* | 44.0806% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 3,581 |
| Loan loss allowance to noncurrent loans | 69.4511% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 0.5894% | 4,218 |
| Noncurrent loans to loans | 1.9447% | 1,744 |
| Net loans and leases to total assets | 29.9008% | 6,310 |
| Net loans and leases to deposits | 33.9009% | 6,348 |
| Net loans and leases to core deposits | 35.6514% | 6,340 |
| Total domestic deposits to total assets | 88.2007% | 1,791 |
| Equity capital to assets | 10.1681% | 3,876 |
| Core capital (leverage) ratio | 10.5491% | 2,887 |
| Tier 1 risk-based capital ratio | 22.5076% | 1,189 |
| Total risk-based capital ratio | 23.3726% | 1,224 |
| Memoranda: | ||
| Average total assets | $138,829,670 | 3,867 |
| Average earning assets | $134,506,000 | 3,735 |
| Average equity | $13,256,330 | 4,175 |
| Average total loans | $41,892,330 | 5,199 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2783% | 5,885 |
| Cost of funding earning assets | 0.7744% | 862 |
| Net interest margin | 2.5039% | 6,332 |
| Noninterest income to average assets | 0.6474% | 2,481 |
| Noninterest expense to average assets | 1.7702% | 6,255 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2365% | 1,381 |
| Return on assets (ROA) | 1.2365% | 1,440 |
| Pretax return on assets | 1.3007% | 2,089 |
| Return on Equity (ROE) | 13.4002% | 1,060 |
| Retained earnings to average equity (ytd only) | 2.3387% | 4,665 |
| Net charge-offs to loans | -0.0775% | 6,010 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3153% | 5,810 |
| Assets per employee ($millions) | 5.0020% | 2,248 |
| Cash dividends to net income (ytd only)* | 82.5472% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4573% | 3,341 |
| Loan loss allowance to noncurrent loans | 59.9602% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 0.7169% | 3,967 |
| Noncurrent loans to loans | 2.4304% | 1,441 |
| Net loans and leases to total assets | 29.0657% | 6,390 |
| Net loans and leases to deposits | 33.1498% | 6,396 |
| Net loans and leases to core deposits | 34.7489% | 6,391 |
| Total domestic deposits to total assets | 87.6798% | 2,417 |
| Equity capital to assets | 9.4634% | 4,545 |
| Core capital (leverage) ratio | 10.7739% | 2,628 |
| Tier 1 risk-based capital ratio | 22.1716% | 1,262 |
| Total risk-based capital ratio | 23.0760% | 1,295 |
| Memoranda: | ||
| Average total assets | $137,159,500 | 3,936 |
| Average earning assets | $132,750,500 | 3,790 |
| Average equity | $12,656,500 | 4,308 |
| Average total loans | $41,292,500 | 5,270 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3874% | 5,867 |
| Cost of funding earning assets | 0.8445% | 975 |
| Net interest margin | 2.5429% | 6,333 |
| Noninterest income to average assets | 0.7947% | 2,104 |
| Noninterest expense to average assets | 1.8656% | 6,236 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3057% | 1,236 |
| Return on assets (ROA) | 1.3057% | 1,275 |
| Pretax return on assets | 1.3845% | 1,847 |
| Return on Equity (ROE) | 12.8739% | 1,189 |
| Retained earnings to average equity (ytd only) | 7.5946% | 1,199 |
| Net charge-offs to loans | 0.0025% | 5,429 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1,810.0000% | 18 |
| Efficiency ratio | 56.3427% | 5,910 |
| Assets per employee ($millions) | 4.7951% | 2,454 |
| Cash dividends to net income (ytd only)* | 41.0076% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4391% | 3,470 |
| Loan loss allowance to noncurrent loans | 44.5277% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 0.9936% | 3,430 |
| Noncurrent loans to loans | 3.2320% | 1,037 |
| Net loans and leases to total assets | 30.2993% | 6,451 |
| Net loans and leases to deposits | 34.3326% | 6,479 |
| Net loans and leases to core deposits | 36.0574% | 6,467 |
| Total domestic deposits to total assets | 88.2522% | 2,027 |
| Equity capital to assets | 8.9816% | 5,055 |
| Core capital (leverage) ratio | 11.0069% | 2,379 |
| Tier 1 risk-based capital ratio | 23.2893% | 1,055 |
| Total risk-based capital ratio | 24.2152% | 1,079 |
| Memoranda: | ||
| Average total assets | $130,733,200 | 4,055 |
| Average earning assets | $126,233,000 | 3,923 |
| Average equity | $13,259,400 | 4,215 |
| Average total loans | $40,254,600 | 5,336 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4851% | 5,722 |
| Cost of funding earning assets | 0.8484% | 1,055 |
| Net interest margin | 2.6367% | 6,266 |
| Noninterest income to average assets | 0.8266% | 2,024 |
| Noninterest expense to average assets | 1.8123% | 6,325 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4817% | 928 |
| Return on assets (ROA) | 1.4817% | 974 |
| Pretax return on assets | 1.5576% | 1,455 |
| Return on Equity (ROE) | 14.1889% | 951 |
| Retained earnings to average equity (ytd only) | 7.3059% | 1,732 |
| Net charge-offs to loans | -0.0167% | 6,008 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7727% | 6,198 |
| Assets per employee ($millions) | 4.6082% | 2,706 |
| Cash dividends to net income (ytd only)* | 48.5101% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4543% | 3,668 |
| Loan loss allowance to noncurrent loans | 29.4118% | 6,007 |
| Noncurrent assets plus other real estate owned to assets | 1.5265% | 2,638 |
| Noncurrent loans to loans | 4.9446% | 611 |
| Net loans and leases to total assets | 30.4235% | 6,520 |
| Net loans and leases to deposits | 34.4510% | 6,555 |
| Net loans and leases to core deposits | 35.8474% | 6,565 |
| Total domestic deposits to total assets | 88.3094% | 1,935 |
| Equity capital to assets | 9.5295% | 4,517 |
| Core capital (leverage) ratio | 11.0282% | 2,455 |
| Tier 1 risk-based capital ratio | 22.7741% | 1,183 |
| Total risk-based capital ratio | 23.7059% | 1,214 |
| Memoranda: | ||
| Average total assets | $129,850,500 | 4,120 |
| Average earning assets | $125,253,250 | 3,977 |
| Average equity | $13,559,500 | 4,199 |
| Average total loans | $39,999,500 | 5,393 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4038% | 5,898 |
| Cost of funding earning assets | 0.8522% | 1,130 |
| Net interest margin | 2.5516% | 6,387 |
| Noninterest income to average assets | 0.8617% | 1,956 |
| Noninterest expense to average assets | 1.8120% | 6,356 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4340% | 1,011 |
| Return on assets (ROA) | 1.4340% | 1,098 |
| Pretax return on assets | 1.5087% | 1,591 |
| Return on Equity (ROE) | 13.3292% | 1,164 |
| Retained earnings to average equity (ytd only) | 8.2693% | 1,377 |
| Net charge-offs to loans | -0.0505% | 6,271 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5363% | 6,178 |
| Assets per employee ($millions) | 4.8457% | 2,304 |
| Cash dividends to net income (ytd only)* | 37.9610% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5144% | 3,521 |
| Loan loss allowance to noncurrent loans | 64.1569% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 0.7208% | 4,415 |
| Noncurrent loans to loans | 2.3604% | 2,001 |
| Net loans and leases to total assets | 30.0735% | 6,575 |
| Net loans and leases to deposits | 33.4874% | 6,630 |
| Net loans and leases to core deposits | 34.8620% | 6,627 |
| Total domestic deposits to total assets | 89.8053% | 1,144 |
| Equity capital to assets | 9.6604% | 4,368 |
| Core capital (leverage) ratio | 10.9154% | 2,436 |
| Tier 1 risk-based capital ratio | 23.2337% | 1,099 |
| Total risk-based capital ratio | 24.2043% | 1,128 |
| Memoranda: | ||
| Average total assets | $128,588,330 | 4,173 |
| Average earning assets | $123,920,000 | 4,034 |
| Average equity | $13,834,330 | 4,184 |
| Average total loans | $39,580,330 | 5,439 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3954% | 5,955 |
| Cost of funding earning assets | 0.8497% | 1,256 |
| Net interest margin | 2.5457% | 6,447 |
| Noninterest income to average assets | 1.7008% | 544 |
| Noninterest expense to average assets | 1.7448% | 6,508 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.2845% | 204 |
| Return on assets (ROA) | 2.2845% | 230 |
| Pretax return on assets | 2.4006% | 309 |
| Return on Equity (ROE) | 20.1774% | 282 |
| Retained earnings to average equity (ytd only) | 10.4767% | 991 |
| Net charge-offs to loans | -0.0914% | 6,408 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2566% | 6,849 |
| Assets per employee ($millions) | 4.8102% | 2,467 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5354% | 3,674 |
| Loan loss allowance to noncurrent loans | 57.6336% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 0.8069% | 4,352 |
| Noncurrent loans to loans | 2.6641% | 1,931 |
| Net loans and leases to total assets | 29.8238% | 6,612 |
| Net loans and leases to deposits | 33.6785% | 6,647 |
| Net loans and leases to core deposits | 35.0909% | 6,646 |
| Total domestic deposits to total assets | 88.5545% | 1,970 |
| Equity capital to assets | 11.2430% | 2,686 |
| Core capital (leverage) ratio | 11.3270% | 1,997 |
| Tier 1 risk-based capital ratio | 23.5867% | 1,074 |
| Total risk-based capital ratio | 24.5845% | 1,090 |
| Memoranda: | ||
| Average total assets | $127,466,000 | 4,232 |
| Average earning assets | $122,401,000 | 4,112 |
| Average equity | $14,432,000 | 4,106 |
| Average total loans | $39,395,000 | 5,491 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7908% | 5,845 |
| Cost of funding earning assets | 0.9592% | 1,591 |
| Net interest margin | 2.8316% | 6,348 |
| Noninterest income to average assets | 0.8745% | 1,946 |
| Noninterest expense to average assets | 1.9322% | 6,453 |
| Loan and lease loss provision to assets | 0.0987% | 4,410 |
| Net operating income to assets | 1.4899% | 932 |
| Return on assets (ROA) | 1.4899% | 1,029 |
| Pretax return on assets | 1.5660% | 1,472 |
| Return on Equity (ROE) | 12.9153% | 1,250 |
| Retained earnings to average equity (ytd only) | 5.6677% | 2,275 |
| Net charge-offs to loans | 0.2716% | 3,304 |
| Credit loss provision to net charge-offs | 110.2804% | 2,648 |
| Earnings coverage of net charge-offs (x) | 18.6075% | 1,430 |
| Efficiency ratio | 52.6732% | 6,404 |
| Assets per employee ($millions) | 4.8098% | 2,478 |
| Cash dividends to net income (ytd only)* | 56.1167% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5082% | 3,716 |
| Loan loss allowance to noncurrent loans | 59.0864% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 0.8052% | 4,458 |
| Noncurrent loans to loans | 2.5525% | 2,075 |
| Net loans and leases to total assets | 31.0717% | 6,664 |
| Net loans and leases to deposits | 35.1434% | 6,707 |
| Net loans and leases to core deposits | 36.5899% | 6,714 |
| Total domestic deposits to total assets | 88.4140% | 1,955 |
| Equity capital to assets | 11.4045% | 2,532 |
| Core capital (leverage) ratio | 10.7695% | 2,471 |
| Tier 1 risk-based capital ratio | 23.8868% | 985 |
| Total risk-based capital ratio | 24.9101% | 994 |
| Memoranda: | ||
| Average total assets | $119,606,400 | 4,369 |
| Average earning assets | $114,988,400 | 4,228 |
| Average equity | $13,797,600 | 4,203 |
| Average total loans | $39,399,600 | 5,532 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8199% | 5,973 |
| Cost of funding earning assets | 0.9623% | 1,771 |
| Net interest margin | 2.8576% | 6,423 |
| Noninterest income to average assets | 0.8637% | 1,969 |
| Noninterest expense to average assets | 1.9192% | 6,489 |
| Loan and lease loss provision to assets | 0.0507% | 5,119 |
| Net operating income to assets | 1.5651% | 926 |
| Return on assets (ROA) | 1.5651% | 1,019 |
| Pretax return on assets | 1.6463% | 1,426 |
| Return on Equity (ROE) | 13.5264% | 1,217 |
| Retained earnings to average equity (ytd only) | 3.7812% | 4,231 |
| Net charge-offs to loans | 0.1388% | 4,003 |
| Credit loss provision to net charge-offs | 109.7561% | 2,676 |
| Earnings coverage of net charge-offs (x) | 36.7042% | 937 |
| Efficiency ratio | 52.0424% | 6,446 |
| Assets per employee ($millions) | 4.9688% | 2,228 |
| Cash dividends to net income (ytd only)* | 72.0461% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 4,060 |
| Loan loss allowance to noncurrent loans | 41.3793% | 5,580 |
| Noncurrent assets plus other real estate owned to assets | 1.0999% | 4,099 |
| Noncurrent loans to loans | 3.5562% | 1,522 |
| Net loans and leases to total assets | 30.4747% | 6,802 |
| Net loans and leases to deposits | 34.2315% | 6,860 |
| Net loans and leases to core deposits | 35.5848% | 6,866 |
| Total domestic deposits to total assets | 89.0254% | 1,413 |
| Equity capital to assets | 10.7610% | 3,543 |
| Core capital (leverage) ratio | 10.6089% | 2,790 |
| Tier 1 risk-based capital ratio | 23.0854% | 1,163 |
| Total risk-based capital ratio | 24.0921% | 1,176 |
| Memoranda: | ||
| Average total assets | $118,244,000 | 4,438 |
| Average earning assets | $113,892,000 | 4,291 |
| Average equity | $13,681,500 | 4,266 |
| Average total loans | $39,386,500 | 5,603 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9341% | 5,826 |
| Cost of funding earning assets | 0.9758% | 1,903 |
| Net interest margin | 2.9583% | 6,322 |
| Noninterest income to average assets | 0.8360% | 2,021 |
| Noninterest expense to average assets | 1.9320% | 6,545 |
| Loan and lease loss provision to assets | 0.0611% | 4,886 |
| Net operating income to assets | 1.6074% | 826 |
| Return on assets (ROA) | 1.6074% | 922 |
| Pretax return on assets | 1.6894% | 1,288 |
| Return on Equity (ROE) | 13.5362% | 1,224 |
| Retained earnings to average equity (ytd only) | 6.1875% | 2,573 |
| Net charge-offs to loans | 0.1429% | 3,775 |
| Credit loss provision to net charge-offs | 125.0000% | 2,191 |
| Earnings coverage of net charge-offs (x) | 35.8214% | 960 |
| Efficiency ratio | 51.4218% | 6,547 |
| Assets per employee ($millions) | 4.3409% | 3,183 |
| Cash dividends to net income (ytd only)* | 54.2888% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4827% | 4,095 |
| Loan loss allowance to noncurrent loans | 41.6784% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 1.3172% | 3,796 |
| Noncurrent loans to loans | 3.5575% | 1,612 |
| Net loans and leases to total assets | 32.3079% | 6,792 |
| Net loans and leases to deposits | 36.5786% | 6,855 |
| Net loans and leases to core deposits | 38.1301% | 6,868 |
| Total domestic deposits to total assets | 88.3246% | 1,944 |
| Equity capital to assets | 11.4516% | 2,634 |
| Core capital (leverage) ratio | 11.5185% | 1,892 |
| Tier 1 risk-based capital ratio | 24.3615% | 975 |
| Total risk-based capital ratio | 25.4275% | 977 |
| Memoranda: | ||
| Average total assets | $114,595,670 | 4,543 |
| Average earning assets | $110,265,670 | 4,406 |
| Average equity | $13,608,000 | 4,273 |
| Average total loans | $39,196,000 | 5,639 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0274% | 5,679 |
| Cost of funding earning assets | 1.0069% | 1,942 |
| Net interest margin | 3.0206% | 6,248 |
| Noninterest income to average assets | 0.8207% | 2,062 |
| Noninterest expense to average assets | 1.9114% | 6,624 |
| Loan and lease loss provision to assets | 0.0360% | 4,932 |
| Net operating income to assets | 1.6919% | 733 |
| Return on assets (ROA) | 1.6919% | 814 |
| Pretax return on assets | 1.7782% | 1,128 |
| Return on Equity (ROE) | 13.9751% | 1,186 |
| Retained earnings to average equity (ytd only) | -0.8920% | 6,139 |
| Net charge-offs to loans | -0.0103% | 5,954 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2415% | 6,658 |
| Assets per employee ($millions) | 4.2940% | 3,408 |
| Cash dividends to net income (ytd only)* | 106.3830% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5317% | 4,019 |
| Loan loss allowance to noncurrent loans | 34.2726% | 5,952 |
| Noncurrent assets plus other real estate owned to assets | 1.7198% | 3,281 |
| Noncurrent loans to loans | 4.4693% | 1,312 |
| Net loans and leases to total assets | 34.3180% | 6,721 |
| Net loans and leases to deposits | 39.0987% | 6,777 |
| Net loans and leases to core deposits | 40.9198% | 6,787 |
| Total domestic deposits to total assets | 87.7727% | 2,485 |
| Equity capital to assets | 11.9917% | 2,047 |
| Core capital (leverage) ratio | 11.7156% | 1,757 |
| Tier 1 risk-based capital ratio | 24.7947% | 923 |
| Total risk-based capital ratio | 25.9277% | 923 |
| Memoranda: | ||
| Average total assets | $111,120,500 | 4,684 |
| Average earning assets | $106,867,500 | 4,517 |
| Average equity | $13,452,500 | 4,310 |
| Average total loans | $38,864,000 | 5,687 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2410% | 5,941 |
| Cost of funding earning assets | 1.2666% | 1,648 |
| Net interest margin | 2.9744% | 6,567 |
| Noninterest income to average assets | 0.9087% | 1,645 |
| Noninterest expense to average assets | 2.0727% | 6,544 |
| Loan and lease loss provision to assets | 0.1235% | 5,060 |
| Net operating income to assets | 1.4898% | 846 |
| Return on assets (ROA) | 1.4907% | 919 |
| Pretax return on assets | 1.5694% | 1,282 |
| Return on Equity (ROE) | 12.6187% | 1,256 |
| Retained earnings to average equity (ytd only) | 4.8724% | 2,729 |
| Net charge-offs to loans | 0.1814% | 4,700 |
| Credit loss provision to net charge-offs | 187.5000% | 1,368 |
| Earnings coverage of net charge-offs (x) | 25.6806% | 966 |
| Efficiency ratio | 54.0350% | 6,512 |
| Assets per employee ($millions) | 4.2537% | 3,357 |
| Cash dividends to net income (ytd only)* | 61.3874% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5045% | 3,998 |
| Loan loss allowance to noncurrent loans | 39.6201% | 5,626 |
| Noncurrent assets plus other real estate owned to assets | 1.4991% | 3,701 |
| Noncurrent loans to loans | 3.7972% | 1,651 |
| Net loans and leases to total assets | 34.5706% | 6,844 |
| Net loans and leases to deposits | 39.4828% | 6,908 |
| Net loans and leases to core deposits | 41.1734% | 6,911 |
| Total domestic deposits to total assets | 87.5584% | 2,438 |
| Equity capital to assets | 12.2219% | 1,957 |
| Core capital (leverage) ratio | 11.4989% | 1,891 |
| Tier 1 risk-based capital ratio | 25.3213% | 840 |
| Total risk-based capital ratio | 26.4534% | 832 |
| Memoranda: | ||
| Average total assets | $109,277,200 | 4,657 |
| Average earning assets | $104,928,200 | 4,524 |
| Average equity | $12,909,400 | 4,352 |
| Average total loans | $39,680,400 | 5,705 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2535% | 6,072 |
| Cost of funding earning assets | 1.3298% | 1,551 |
| Net interest margin | 2.9236% | 6,719 |
| Noninterest income to average assets | 0.9595% | 1,450 |
| Noninterest expense to average assets | 2.0205% | 6,651 |
| Loan and lease loss provision to assets | 0.1163% | 4,980 |
| Net operating income to assets | 1.5494% | 852 |
| Return on assets (ROA) | 1.5506% | 924 |
| Pretax return on assets | 1.6301% | 1,305 |
| Return on Equity (ROE) | 13.2415% | 1,220 |
| Retained earnings to average equity (ytd only) | 2.7904% | 4,692 |
| Net charge-offs to loans | 0.0668% | 5,291 |
| Credit loss provision to net charge-offs | 475.0000% | 587 |
| Earnings coverage of net charge-offs (x) | 71.2895% | 470 |
| Efficiency ratio | 52.6487% | 6,623 |
| Assets per employee ($millions) | 4.4351% | 3,024 |
| Cash dividends to net income (ytd only)* | 78.9266% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4831% | 4,189 |
| Loan loss allowance to noncurrent loans | 36.9957% | 5,818 |
| Noncurrent assets plus other real estate owned to assets | 1.5428% | 3,776 |
| Noncurrent loans to loans | 4.0088% | 1,652 |
| Net loans and leases to total assets | 34.3338% | 6,936 |
| Net loans and leases to deposits | 38.9024% | 7,010 |
| Net loans and leases to core deposits | 40.4816% | 7,024 |
| Total domestic deposits to total assets | 88.2562% | 1,894 |
| Equity capital to assets | 11.4767% | 2,700 |
| Core capital (leverage) ratio | 11.0972% | 2,320 |
| Tier 1 risk-based capital ratio | 23.8531% | 1,027 |
| Total risk-based capital ratio | 24.9691% | 1,030 |
| Memoranda: | ||
| Average total assets | $108,947,250 | 4,699 |
| Average earning assets | $104,570,750 | 4,559 |
| Average equity | $12,757,500 | 4,395 |
| Average total loans | $39,896,000 | 5,749 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3061% | 6,006 |
| Cost of funding earning assets | 1.3191% | 1,831 |
| Net interest margin | 2.9870% | 6,630 |
| Noninterest income to average assets | 0.8856% | 1,692 |
| Noninterest expense to average assets | 2.0894% | 6,617 |
| Loan and lease loss provision to assets | 0.1779% | 4,144 |
| Net operating income to assets | 1.4154% | 1,048 |
| Return on assets (ROA) | 1.4154% | 1,115 |
| Pretax return on assets | 1.4884% | 1,565 |
| Return on Equity (ROE) | 12.0013% | 1,491 |
| Retained earnings to average equity (ytd only) | 2.4765% | 4,707 |
| Net charge-offs to loans | 0.0905% | 4,764 |
| Credit loss provision to net charge-offs | 527.7778% | 583 |
| Earnings coverage of net charge-offs (x) | 49.4444% | 630 |
| Efficiency ratio | 54.5862% | 6,562 |
| Assets per employee ($millions) | 4.4436% | 2,935 |
| Cash dividends to net income (ytd only)* | 79.3651% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5209% | 4,029 |
| Loan loss allowance to noncurrent loans | 47.4227% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 1.2746% | 4,349 |
| Noncurrent loans to loans | 3.2071% | 2,236 |
| Net loans and leases to total assets | 34.8552% | 7,023 |
| Net loans and leases to deposits | 39.6200% | 7,075 |
| Net loans and leases to core deposits | 41.1969% | 7,095 |
| Total domestic deposits to total assets | 87.9738% | 2,155 |
| Equity capital to assets | 11.7597% | 2,277 |
| Core capital (leverage) ratio | 11.4843% | 1,919 |
| Tier 1 risk-based capital ratio | 24.2314% | 981 |
| Total risk-based capital ratio | 25.3798% | 971 |
| Memoranda: | ||
| Average total assets | $106,825,670 | 4,781 |
| Average earning assets | $102,644,330 | 4,631 |
| Average equity | $12,598,670 | 4,418 |
| Average total loans | $39,799,000 | 5,808 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3703% | 5,786 |
| Cost of funding earning assets | 1.2976% | 2,184 |
| Net interest margin | 3.0727% | 6,413 |
| Noninterest income to average assets | 0.8253% | 1,943 |
| Noninterest expense to average assets | 2.1052% | 6,622 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5894% | 712 |
| Return on assets (ROA) | 1.5894% | 757 |
| Pretax return on assets | 1.6696% | 1,036 |
| Return on Equity (ROE) | 13.4563% | 1,098 |
| Retained earnings to average equity (ytd only) | 0.5175% | 5,618 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7571% | 6,624 |
| Assets per employee ($millions) | 4.2321% | 3,390 |
| Cash dividends to net income (ytd only)* | 96.1538% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3154% | 5,060 |
| Loan loss allowance to noncurrent loans | 41.3820% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 1.3289% | 4,311 |
| Noncurrent loans to loans | 3.1787% | 2,361 |
| Net loans and leases to total assets | 36.9432% | 6,960 |
| Net loans and leases to deposits | 41.9740% | 7,023 |
| Net loans and leases to core deposits | 43.9738% | 7,041 |
| Total domestic deposits to total assets | 88.0145% | 2,364 |
| Equity capital to assets | 11.7275% | 2,101 |
| Core capital (leverage) ratio | 11.9340% | 1,599 |
| Tier 1 risk-based capital ratio | 24.3730% | 935 |
| Total risk-based capital ratio | 25.3915% | 945 |
| Memoranda: | ||
| Average total assets | $104,693,000 | 4,874 |
| Average earning assets | $100,497,000 | 4,730 |
| Average equity | $12,366,000 | 4,472 |
| Average total loans | $40,039,000 | 5,849 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6520% | 5,948 |
| Cost of funding earning assets | 1.5881% | 2,140 |
| Net interest margin | 3.0639% | 6,609 |
| Noninterest income to average assets | 1.0201% | 1,440 |
| Noninterest expense to average assets | 2.1846% | 6,656 |
| Loan and lease loss provision to assets | 0.1695% | 5,528 |
| Net operating income to assets | 1.5239% | 724 |
| Return on assets (ROA) | 1.5239% | 785 |
| Pretax return on assets | 1.5966% | 1,138 |
| Return on Equity (ROE) | 12.8276% | 1,133 |
| Retained earnings to average equity (ytd only) | 7.9347% | 997 |
| Net charge-offs to loans | 0.2795% | 4,626 |
| Credit loss provision to net charge-offs | 154.8673% | 2,286 |
| Earnings coverage of net charge-offs (x) | 16.1327% | 1,232 |
| Efficiency ratio | 54.2913% | 6,781 |
| Assets per employee ($millions) | 4.1433% | 3,491 |
| Cash dividends to net income (ytd only)* | 38.1437% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 5,066 |
| Loan loss allowance to noncurrent loans | 57.6327% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 1.3825% | 4,274 |
| Noncurrent loans to loans | 2.2338% | 3,291 |
| Net loans and leases to total assets | 38.5671% | 7,047 |
| Net loans and leases to deposits | 44.3533% | 7,108 |
| Net loans and leases to core deposits | 46.8209% | 7,116 |
| Total domestic deposits to total assets | 86.9544% | 2,846 |
| Equity capital to assets | 11.8977% | 1,970 |
| Core capital (leverage) ratio | 11.7303% | 1,711 |
| Tier 1 risk-based capital ratio | 24.0652% | 928 |
| Total risk-based capital ratio | 25.0730% | 931 |
| Memoranda: | ||
| Average total assets | $103,220,800 | 4,892 |
| Average earning assets | $98,731,800 | 4,754 |
| Average equity | $12,262,600 | 4,541 |
| Average total loans | $40,425,000 | 5,905 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6732% | 6,112 |
| Cost of funding earning assets | 1.5956% | 2,413 |
| Net interest margin | 3.0776% | 6,662 |
| Noninterest income to average assets | 0.9800% | 1,524 |
| Noninterest expense to average assets | 2.1720% | 6,676 |
| Loan and lease loss provision to assets | 0.1810% | 5,231 |
| Net operating income to assets | 1.4984% | 929 |
| Return on assets (ROA) | 1.4984% | 1,005 |
| Pretax return on assets | 1.5695% | 1,421 |
| Return on Equity (ROE) | 12.6174% | 1,357 |
| Retained earnings to average equity (ytd only) | 6.0855% | 2,311 |
| Net charge-offs to loans | 0.1419% | 5,161 |
| Credit loss provision to net charge-offs | 325.5814% | 976 |
| Earnings coverage of net charge-offs (x) | 31.4894% | 850 |
| Efficiency ratio | 54.3507% | 6,757 |
| Assets per employee ($millions) | 4.2634% | 3,326 |
| Cash dividends to net income (ytd only)* | 51.7689% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3695% | 4,627 |
| Loan loss allowance to noncurrent loans | 49.7762% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 1.5434% | 4,132 |
| Noncurrent loans to loans | 2.7514% | 2,886 |
| Net loans and leases to total assets | 37.5678% | 7,201 |
| Net loans and leases to deposits | 43.7479% | 7,251 |
| Net loans and leases to core deposits | 46.6701% | 7,246 |
| Total domestic deposits to total assets | 85.8734% | 3,145 |
| Equity capital to assets | 11.8965% | 2,226 |
| Core capital (leverage) ratio | 11.2977% | 2,067 |
| Tier 1 risk-based capital ratio | 23.7725% | 974 |
| Total risk-based capital ratio | 24.8724% | 968 |
| Memoranda: | ||
| Average total assets | $103,130,250 | 4,960 |
| Average earning assets | $98,602,250 | 4,820 |
| Average equity | $12,247,250 | 4,613 |
| Average total loans | $40,413,750 | 5,987 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7517% | 5,970 |
| Cost of funding earning assets | 1.6154% | 2,576 |
| Net interest margin | 3.1363% | 6,499 |
| Noninterest income to average assets | 0.9512% | 1,512 |
| Noninterest expense to average assets | 2.2260% | 6,583 |
| Loan and lease loss provision to assets | 0.2353% | 4,562 |
| Net operating income to assets | 1.4199% | 1,058 |
| Return on assets (ROA) | 1.4199% | 1,126 |
| Pretax return on assets | 1.4866% | 1,591 |
| Return on Equity (ROE) | 11.9640% | 1,466 |
| Retained earnings to average equity (ytd only) | 5.3540% | 2,695 |
| Net charge-offs to loans | 0.2082% | 4,366 |
| Credit loss provision to net charge-offs | 285.7143% | 1,301 |
| Earnings coverage of net charge-offs (x) | 20.9048% | 1,192 |
| Efficiency ratio | 55.3403% | 6,722 |
| Assets per employee ($millions) | 4.1506% | 3,487 |
| Cash dividends to net income (ytd only)* | 55.2486% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 4,740 |
| Loan loss allowance to noncurrent loans | 47.2711% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 1.6036% | 4,038 |
| Noncurrent loans to loans | 2.8320% | 2,824 |
| Net loans and leases to total assets | 38.1404% | 7,264 |
| Net loans and leases to deposits | 44.4759% | 7,306 |
| Net loans and leases to core deposits | 47.5330% | 7,302 |
| Total domestic deposits to total assets | 85.7552% | 3,229 |
| Equity capital to assets | 11.9608% | 2,118 |
| Core capital (leverage) ratio | 11.5050% | 1,913 |
| Tier 1 risk-based capital ratio | 23.6285% | 984 |
| Total risk-based capital ratio | 24.7064% | 980 |
| Memoranda: | ||
| Average total assets | $101,978,330 | 5,021 |
| Average earning assets | $97,439,670 | 4,891 |
| Average equity | $12,103,000 | 4,653 |
| Average total loans | $40,352,330 | 6,035 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7400% | 6,112 |
| Cost of funding earning assets | 1.6406% | 2,705 |
| Net interest margin | 3.0994% | 6,595 |
| Noninterest income to average assets | 0.9259% | 1,530 |
| Noninterest expense to average assets | 2.2159% | 6,649 |
| Loan and lease loss provision to assets | 0.2374% | 4,147 |
| Net operating income to assets | 1.3691% | 1,145 |
| Return on assets (ROA) | 1.3691% | 1,214 |
| Pretax return on assets | 1.4404% | 1,669 |
| Return on Equity (ROE) | 11.5826% | 1,617 |
| Retained earnings to average equity (ytd only) | 11.5826% | 816 |
| Net charge-offs to loans | 0.0099% | 5,451 |
| Credit loss provision to net charge-offs | 6,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 424.0000% | 67 |
| Efficiency ratio | 55.6911% | 6,813 |
| Assets per employee ($millions) | 3.9986% | 3,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 4,930 |
| Loan loss allowance to noncurrent loans | 33.0990% | 6,200 |
| Noncurrent assets plus other real estate owned to assets | 1.7126% | 3,907 |
| Noncurrent loans to loans | 3.9331% | 2,013 |
| Net loans and leases to total assets | 39.2868% | 7,288 |
| Net loans and leases to deposits | 45.9947% | 7,331 |
| Net loans and leases to core deposits | 49.2896% | 7,308 |
| Total domestic deposits to total assets | 85.4159% | 3,454 |
| Equity capital to assets | 12.2343% | 1,912 |
| Core capital (leverage) ratio | 11.8017% | 1,750 |
| Tier 1 risk-based capital ratio | 24.2622% | 941 |
| Total risk-based capital ratio | 25.3298% | 941 |
| Memoranda: | ||
| Average total assets | $101,085,500 | 5,117 |
| Average earning assets | $96,792,500 | 4,961 |
| Average equity | $11,949,000 | 4,726 |
| Average total loans | $40,472,000 | 6,100 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0000% | 6,434 |
| Cost of funding earning assets | 1.9865% | 3,025 |
| Net interest margin | 3.0135% | 6,612 |
| Noninterest income to average assets | 0.7580% | 2,628 |
| Noninterest expense to average assets | 2.2516% | 6,870 |
| Loan and lease loss provision to assets | 0.2385% | 5,466 |
| Net operating income to assets | 1.1385% | 1,416 |
| Return on assets (ROA) | 1.1415% | 1,433 |
| Pretax return on assets | 1.1649% | 2,054 |
| Return on Equity (ROE) | 9.4251% | 1,877 |
| Retained earnings to average equity (ytd only) | 2.5134% | 3,386 |
| Net charge-offs to loans | 0.5137% | 3,724 |
| Credit loss provision to net charge-offs | 115.1961% | 4,736 |
| Earnings coverage of net charge-offs (x) | 6.7647% | 2,291 |
| Efficiency ratio | 60.5168% | 6,403 |
| Assets per employee ($millions) | 4.0882% | 3,641 |
| Cash dividends to net income (ytd only)* | 73.3333% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 5,838 |
| Loan loss allowance to noncurrent loans | 40.3524% | 5,716 |
| Noncurrent assets plus other real estate owned to assets | 1.1105% | 4,870 |
| Noncurrent loans to loans | 2.7580% | 2,801 |
| Net loans and leases to total assets | 39.8166% | 7,358 |
| Net loans and leases to deposits | 46.1421% | 7,434 |
| Net loans and leases to core deposits | 54.4932% | 7,456 |
| Total domestic deposits to total assets | 86.2914% | 2,874 |
| Equity capital to assets | 11.4162% | 2,379 |
| Core capital (leverage) ratio | 11.0823% | 2,185 |
| Tier 1 risk-based capital ratio | 22.9721% | 1,045 |
| Total risk-based capital ratio | 23.8948% | 1,056 |
| Memoranda: | ||
| Average total assets | $98,551,800 | 5,124 |
| Average earning assets | $94,640,600 | 4,988 |
| Average equity | $11,936,200 | 4,761 |
| Average total loans | $39,711,600 | 6,126 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0911% | 6,305 |
| Cost of funding earning assets | 2.0472% | 3,132 |
| Net interest margin | 3.0438% | 6,482 |
| Noninterest income to average assets | 0.3892% | 5,391 |
| Noninterest expense to average assets | 1.8817% | 7,568 |
| Loan and lease loss provision to assets | 0.0683% | 6,681 |
| Net operating income to assets | 1.3014% | 1,208 |
| Return on assets (ROA) | 1.3014% | 1,287 |
| Pretax return on assets | 1.3628% | 1,789 |
| Return on Equity (ROE) | 10.5857% | 1,736 |
| Retained earnings to average equity (ytd only) | 5.8649% | 2,014 |
| Net charge-offs to loans | 0.0373% | 6,378 |
| Credit loss provision to net charge-offs | 454.5455% | 865 |
| Earnings coverage of net charge-offs (x) | 95.2488% | 372 |
| Efficiency ratio | 55.5235% | 7,062 |
| Assets per employee ($millions) | 4.0462% | 3,644 |
| Cash dividends to net income (ytd only)* | 44.5960% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 5,366 |
| Loan loss allowance to noncurrent loans | 31.4902% | 6,351 |
| Noncurrent assets plus other real estate owned to assets | 1.4661% | 4,176 |
| Noncurrent loans to loans | 3.6788% | 2,030 |
| Net loans and leases to total assets | 39.3897% | 7,487 |
| Net loans and leases to deposits | 46.0657% | 7,567 |
| Net loans and leases to core deposits | 55.2681% | 7,566 |
| Total domestic deposits to total assets | 85.5075% | 2,965 |
| Equity capital to assets | 12.0546% | 2,215 |
| Core capital (leverage) ratio | 11.4048% | 2,118 |
| Tier 1 risk-based capital ratio | 23.9338% | 1,006 |
| Total risk-based capital ratio | 24.8932% | 1,015 |
| Memoranda: | ||
| Average total assets | $97,638,250 | 5,187 |
| Average earning assets | $93,783,000 | 5,047 |
| Average equity | $12,003,250 | 4,789 |
| Average total loans | $39,351,250 | 6,184 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1262% | 6,333 |
| Cost of funding earning assets | 2.0781% | 3,377 |
| Net interest margin | 3.0481% | 6,408 |
| Noninterest income to average assets | 0.3172% | 5,969 |
| Noninterest expense to average assets | 1.9157% | 7,608 |
| Loan and lease loss provision to assets | 0.0415% | 6,821 |
| Net operating income to assets | 1.2232% | 1,417 |
| Return on assets (ROA) | 1.2232% | 1,492 |
| Pretax return on assets | 1.2854% | 2,067 |
| Return on Equity (ROE) | 9.8830% | 2,061 |
| Retained earnings to average equity (ytd only) | 3.1827% | 3,544 |
| Net charge-offs to loans | 0.0256% | 6,124 |
| Credit loss provision to net charge-offs | 400.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 305 |
| Efficiency ratio | 57.7366% | 6,903 |
| Assets per employee ($millions) | 4.0147% | 3,643 |
| Cash dividends to net income (ytd only)* | 67.7966% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1130% | 5,506 |
| Loan loss allowance to noncurrent loans | 41.9905% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 1.0511% | 4,866 |
| Noncurrent loans to loans | 2.6507% | 2,728 |
| Net loans and leases to total assets | 39.2137% | 7,584 |
| Net loans and leases to deposits | 45.7290% | 7,644 |
| Net loans and leases to core deposits | 54.8697% | 7,636 |
| Total domestic deposits to total assets | 85.7524% | 2,905 |
| Equity capital to assets | 11.7029% | 2,383 |
| Core capital (leverage) ratio | 11.3545% | 2,165 |
| Tier 1 risk-based capital ratio | 23.7675% | 1,063 |
| Total risk-based capital ratio | 24.6996% | 1,070 |
| Memoranda: | ||
| Average total assets | $96,465,670 | 5,266 |
| Average earning assets | $92,583,330 | 5,105 |
| Average equity | $11,939,670 | 4,827 |
| Average total loans | $39,031,000 | 6,246 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3684% | 5,582 |
| Cost of funding earning assets | 2.0828% | 3,726 |
| Net interest margin | 3.2856% | 5,542 |
| Noninterest income to average assets | 0.5163% | 4,169 |
| Noninterest expense to average assets | 1.8114% | 7,686 |
| Loan and lease loss provision to assets | 0.0846% | 5,873 |
| Net operating income to assets | 1.6844% | 665 |
| Return on assets (ROA) | 1.6844% | 734 |
| Pretax return on assets | 1.7648% | 1,050 |
| Return on Equity (ROE) | 13.2264% | 1,332 |
| Retained earnings to average equity (ytd only) | 13.2264% | 606 |
| Net charge-offs to loans | 0.0518% | 4,746 |
| Credit loss provision to net charge-offs | 400.0000% | 1,293 |
| Earnings coverage of net charge-offs (x) | 87.4000% | 491 |
| Efficiency ratio | 48.3237% | 7,711 |
| Assets per employee ($millions) | 3.7947% | 4,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 5,128 |
| Loan loss allowance to noncurrent loans | 46.7300% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 0.9993% | 4,698 |
| Noncurrent loans to loans | 2.4595% | 2,684 |
| Net loans and leases to total assets | 40.1632% | 7,557 |
| Net loans and leases to deposits | 47.4537% | 7,603 |
| Net loans and leases to core deposits | 56.6994% | 7,585 |
| Total domestic deposits to total assets | 84.6365% | 3,397 |
| Equity capital to assets | 12.7409% | 1,864 |
| Core capital (leverage) ratio | 12.3492% | 1,745 |
| Tier 1 risk-based capital ratio | 25.4981% | 931 |
| Total risk-based capital ratio | 26.4809% | 933 |
| Memoranda: | ||
| Average total assets | $94,514,500 | 5,354 |
| Average earning assets | $90,455,500 | 5,207 |
| Average equity | $12,036,500 | 4,825 |
| Average total loans | $38,646,000 | 6,298 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8269% | 6,350 |
| Cost of funding earning assets | 2.2879% | 5,213 |
| Net interest margin | 3.5391% | 5,150 |
| Noninterest income to average assets | 0.5253% | 4,421 |
| Noninterest expense to average assets | 1.9184% | 7,582 |
| Loan and lease loss provision to assets | 0.0235% | 7,104 |
| Net operating income to assets | 1.8328% | 518 |
| Return on assets (ROA) | 1.8328% | 500 |
| Pretax return on assets | 1.9301% | 722 |
| Return on Equity (ROE) | 13.8006% | 1,152 |
| Retained earnings to average equity (ytd only) | 4.9710% | 2,045 |
| Net charge-offs to loans | 0.0384% | 6,255 |
| Credit loss provision to net charge-offs | 133.3333% | 3,986 |
| Earnings coverage of net charge-offs (x) | 111.0667% | 395 |
| Efficiency ratio | 48.3041% | 7,781 |
| Assets per employee ($millions) | 3.9234% | 3,668 |
| Cash dividends to net income (ytd only)* | 63.9795% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 5,241 |
| Loan loss allowance to noncurrent loans | 49.1954% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 0.9239% | 4,526 |
| Noncurrent loans to loans | 2.2453% | 2,451 |
| Net loans and leases to total assets | 40.6952% | 7,639 |
| Net loans and leases to deposits | 48.0670% | 7,704 |
| Net loans and leases to core deposits | 55.8586% | 7,744 |
| Total domestic deposits to total assets | 84.6635% | 2,999 |
| Equity capital to assets | 12.7293% | 1,906 |
| Core capital (leverage) ratio | 12.2967% | 1,843 |
| Tier 1 risk-based capital ratio | 24.6838% | 1,013 |
| Total risk-based capital ratio | 25.6368% | 1,026 |
| Memoranda: | ||
| Average total assets | $85,280,600 | 5,506 |
| Average earning assets | $80,642,800 | 5,416 |
| Average equity | $11,325,600 | 5,033 |
| Average total loans | $39,094,200 | 6,220 |