Home > Decatur County Bank > Performance and Condition Ratios
Decatur County Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0676% | 581 |
| Cost of funding earning assets | 2.3248% | 523 |
| Net interest margin | 3.7428% | 1,666 |
| Noninterest income to average assets | 1.4700% | 396 |
| Noninterest expense to average assets | 3.3242% | 725 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.3992% | 1,215 |
| Return on assets (ROA) | 1.3002% | 1,405 |
| Pretax return on assets | 1.3209% | 1,817 |
| Return on Equity (ROE) | 20.0400% | 614 |
| Retained earnings to average equity (ytd only) | 10.8377% | 832 |
| Net charge-offs to loans | 0.0915% | 967 |
| Credit loss provision to net charge-offs | 384.8958% | 803 |
| Earnings coverage of net charge-offs (x) | 22.3542% | 1,815 |
| Efficiency ratio | 67.3438% | 2,187 |
| Assets per employee ($millions) | 5.0336% | 3,608 |
| Cash dividends to net income (ytd only)* | 45.9272% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9046% | 3,695 |
| Loan loss allowance to noncurrent loans | 609.1463% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.1203% | 2,736 |
| Noncurrent loans to loans | 0.1485% | 2,773 |
| Net loans and leases to total assets | 79.0600% | 756 |
| Net loans and leases to deposits | 87.4212% | 1,489 |
| Net loans and leases to core deposits | 98.7124% | 1,509 |
| Total domestic deposits to total assets | 90.4400% | 639 |
| Equity capital to assets | 6.9139% | 3,971 |
| Core capital (leverage) ratio | 8.3539% | 4,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9620% | 2,822 |
| Memoranda: | ||
| Average total assets | $266,260,400 | 2,585 |
| Average earning assets | $246,474,200 | 2,597 |
| Average equity | $17,273,000 | 3,074 |
| Average total loans | $209,875,600 | 2,231 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9591% | 558 |
| Cost of funding earning assets | 2.2220% | 474 |
| Net interest margin | 3.7371% | 1,708 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 3.1019% | 927 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.6393% | 3,457 |
| Return on assets (ROA) | 0.6393% | 3,448 |
| Pretax return on assets | 0.6403% | 3,658 |
| Return on Equity (ROE) | 10.0300% | 2,628 |
| Retained earnings to average equity (ytd only) | 5.1488% | 2,886 |
| Net charge-offs to loans | 0.0534% | 1,143 |
| Credit loss provision to net charge-offs | 502.4096% | 626 |
| Earnings coverage of net charge-offs (x) | 17.3494% | 1,905 |
| Efficiency ratio | 80.9851% | 806 |
| Assets per employee ($millions) | 5.0722% | 3,555 |
| Cash dividends to net income (ytd only)* | 48.6551% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8315% | 3,916 |
| Loan loss allowance to noncurrent loans | 779.4760% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 3,008 |
| Noncurrent loans to loans | 0.1067% | 3,038 |
| Net loans and leases to total assets | 79.1900% | 742 |
| Net loans and leases to deposits | 87.6527% | 1,417 |
| Net loans and leases to core deposits | 100.8996% | 1,265 |
| Total domestic deposits to total assets | 90.3400% | 852 |
| Equity capital to assets | 6.0753% | 3,962 |
| Core capital (leverage) ratio | 8.0119% | 4,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6273% | 2,876 |
| Memoranda: | ||
| Average total assets | $263,613,500 | 2,608 |
| Average earning assets | $243,500,250 | 2,617 |
| Average equity | $16,806,000 | 3,096 |
| Average total loans | $207,125,250 | 2,240 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7470% | 599 |
| Cost of funding earning assets | 2.0252% | 473 |
| Net interest margin | 3.7218% | 1,780 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 3.0709% | 934 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.6438% | 3,476 |
| Return on assets (ROA) | 0.6438% | 3,486 |
| Pretax return on assets | 0.6453% | 3,710 |
| Return on Equity (ROE) | 9.9400% | 2,717 |
| Retained earnings to average equity (ytd only) | 5.3407% | 2,847 |
| Net charge-offs to loans | 0.0010% | 2,393 |
| Credit loss provision to net charge-offs | 28,700.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 976.0000% | 151 |
| Efficiency ratio | 80.4683% | 813 |
| Assets per employee ($millions) | 5.1909% | 3,422 |
| Cash dividends to net income (ytd only)* | 46.2633% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8022% | 4,016 |
| Loan loss allowance to noncurrent loans | 711.8852% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 2,893 |
| Noncurrent loans to loans | 0.1127% | 2,916 |
| Net loans and leases to total assets | 79.5800% | 675 |
| Net loans and leases to deposits | 89.0300% | 1,257 |
| Net loans and leases to core deposits | 103.4279% | 1,072 |
| Total domestic deposits to total assets | 89.3800% | 1,115 |
| Equity capital to assets | 6.3235% | 4,059 |
| Core capital (leverage) ratio | 8.1093% | 4,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4828% | 2,909 |
| Memoranda: | ||
| Average total assets | $261,875,333 | 2,626 |
| Average earning assets | $241,552,333 | 2,629 |
| Average equity | $16,964,000 | 3,109 |
| Average total loans | $204,613,667 | 2,257 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4962% | 626 |
| Cost of funding earning assets | 1.6512% | 630 |
| Net interest margin | 3.8450% | 1,587 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 3.1119% | 916 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.7788% | 3,262 |
| Return on assets (ROA) | 0.7788% | 3,219 |
| Pretax return on assets | 0.7819% | 3,502 |
| Return on Equity (ROE) | 11.8700% | 2,249 |
| Retained earnings to average equity (ytd only) | 6.9065% | 2,520 |
| Net charge-offs to loans | -0.0020% | 3,426 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.1321% | 891 |
| Assets per employee ($millions) | 5.2427% | 3,468 |
| Cash dividends to net income (ytd only)* | 41.8327% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7535% | 4,170 |
| Loan loss allowance to noncurrent loans | 1,210.8527% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 3,294 |
| Noncurrent loans to loans | 0.0622% | 3,289 |
| Net loans and leases to total assets | 78.4900% | 716 |
| Net loans and leases to deposits | 87.0192% | 1,287 |
| Net loans and leases to core deposits | 102.4147% | 988 |
| Total domestic deposits to total assets | 90.2000% | 1,086 |
| Equity capital to assets | 6.5452% | 4,017 |
| Core capital (leverage) ratio | 8.2974% | 4,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5670% | 2,992 |
| Memoranda: | ||
| Average total assets | $257,849,000 | 2,682 |
| Average earning assets | $238,129,500 | 2,685 |
| Average equity | $16,911,500 | 3,137 |
| Average total loans | $198,652,000 | 2,316 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8483% | 395 |
| Cost of funding earning assets | 0.5582% | 1,075 |
| Net interest margin | 4.2901% | 436 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 3.1520% | 777 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.1290% | 2,060 |
| Return on assets (ROA) | 1.1476% | 1,922 |
| Pretax return on assets | 1.1688% | 2,533 |
| Return on Equity (ROE) | 14.5700% | 1,374 |
| Retained earnings to average equity (ytd only) | 8.0231% | 1,820 |
| Net charge-offs to loans | 0.1025% | 724 |
| Credit loss provision to net charge-offs | 23.2558% | 1,925 |
| Earnings coverage of net charge-offs (x) | 15.0174% | 2,015 |
| Efficiency ratio | 72.9642% | 1,334 |
| Assets per employee ($millions) | 5.0713% | 3,617 |
| Cash dividends to net income (ytd only)* | 44.9173% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7637% | 4,108 |
| Loan loss allowance to noncurrent loans | 1,014.6853% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 3,243 |
| Noncurrent loans to loans | 0.0753% | 3,223 |
| Net loans and leases to total assets | 74.3600% | 1,190 |
| Net loans and leases to deposits | 82.1636% | 1,605 |
| Net loans and leases to core deposits | 94.4261% | 1,278 |
| Total domestic deposits to total assets | 90.5000% | 1,148 |
| Equity capital to assets | 6.5727% | 3,872 |
| Core capital (leverage) ratio | 8.6990% | 3,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0026% | 2,973 |
| Memoranda: | ||
| Average total assets | $221,163,400 | 2,897 |
| Average earning assets | $201,883,200 | 2,915 |
| Average equity | $17,424,600 | 3,173 |
| Average total loans | $167,822,800 | 2,478 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7469% | 319 |
| Cost of funding earning assets | 0.3719% | 1,509 |
| Net interest margin | 4.3750% | 291 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.9074% | 1,037 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.4407% | 978 |
| Return on assets (ROA) | 1.4662% | 901 |
| Pretax return on assets | 1.5056% | 1,391 |
| Return on Equity (ROE) | 17.7400% | 678 |
| Retained earnings to average equity (ytd only) | 11.7175% | 859 |
| Net charge-offs to loans | 0.0058% | 1,959 |
| Credit loss provision to net charge-offs | 285.7143% | 835 |
| Earnings coverage of net charge-offs (x) | 340.5714% | 432 |
| Efficiency ratio | 66.0882% | 2,268 |
| Assets per employee ($millions) | 4.9690% | 3,696 |
| Cash dividends to net income (ytd only)* | 33.9309% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8650% | 3,954 |
| Loan loss allowance to noncurrent loans | 521.5686% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.1339% | 2,674 |
| Noncurrent loans to loans | 0.1658% | 2,766 |
| Net loans and leases to total assets | 80.0200% | 528 |
| Net loans and leases to deposits | 88.9089% | 970 |
| Net loans and leases to core deposits | 98.7124% | 870 |
| Total domestic deposits to total assets | 90.0100% | 1,654 |
| Equity capital to assets | 7.1500% | 3,432 |
| Core capital (leverage) ratio | 9.2141% | 3,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7462% | 2,881 |
| Memoranda: | ||
| Average total assets | $213,063,000 | 2,981 |
| Average earning assets | $193,611,250 | 2,998 |
| Average equity | $17,614,250 | 3,188 |
| Average total loans | $162,278,500 | 2,527 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6840% | 263 |
| Cost of funding earning assets | 0.2807% | 1,894 |
| Net interest margin | 4.4032% | 227 |
| Noninterest income to average assets | 0.3511% | 3,050 |
| Noninterest expense to average assets | 2.9005% | 987 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3871% | 934 |
| Return on assets (ROA) | 1.4267% | 830 |
| Pretax return on assets | 1.4594% | 1,285 |
| Return on Equity (ROE) | 16.4431% | 643 |
| Retained earnings to average equity (ytd only) | 10.6220% | 869 |
| Net charge-offs to loans | 0.0129% | 1,531 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 147.5000% | 653 |
| Efficiency ratio | 67.1492% | 2,364 |
| Assets per employee ($millions) | 4.8750% | 3,792 |
| Cash dividends to net income (ytd only)* | 35.4012% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9047% | 3,939 |
| Loan loss allowance to noncurrent loans | 1,573.0000% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 3,532 |
| Noncurrent loans to loans | 0.0575% | 3,522 |
| Net loans and leases to total assets | 78.5363% | 519 |
| Net loans and leases to deposits | 87.7302% | 855 |
| Net loans and leases to core deposits | 95.5298% | 848 |
| Total domestic deposits to total assets | 89.5202% | 1,935 |
| Equity capital to assets | 7.6526% | 3,377 |
| Core capital (leverage) ratio | 9.5685% | 2,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9087% | 2,835 |
| Memoranda: | ||
| Average total assets | $207,892,333 | 3,042 |
| Average earning assets | $187,362,333 | 3,081 |
| Average equity | $18,038,000 | 3,232 |
| Average total loans | $154,867,667 | 2,599 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7148% | 223 |
| Cost of funding earning assets | 0.2632% | 2,003 |
| Net interest margin | 4.4516% | 183 |
| Noninterest income to average assets | 0.3047% | 3,283 |
| Noninterest expense to average assets | 2.9463% | 888 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2338% | 1,159 |
| Return on assets (ROA) | 1.3119% | 965 |
| Pretax return on assets | 1.3910% | 1,274 |
| Return on Equity (ROE) | 14.2099% | 794 |
| Retained earnings to average equity (ytd only) | 9.3876% | 1,165 |
| Net charge-offs to loans | -0.0138% | 3,719 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2558% | 2,333 |
| Assets per employee ($millions) | 4.8893% | 3,847 |
| Cash dividends to net income (ytd only)* | 33.9367% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 3,565 |
| Loan loss allowance to noncurrent loans | 1,392.9825% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 3,489 |
| Noncurrent loans to loans | 0.0746% | 3,472 |
| Net loans and leases to total assets | 73.6843% | 683 |
| Net loans and leases to deposits | 82.0647% | 1,006 |
| Net loans and leases to core deposits | 88.2825% | 1,004 |
| Total domestic deposits to total assets | 89.7881% | 1,679 |
| Equity capital to assets | 8.6789% | 2,994 |
| Core capital (leverage) ratio | 9.8876% | 2,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1294% | 2,561 |
| Memoranda: | ||
| Average total assets | $202,151,000 | 3,087 |
| Average earning assets | $179,352,000 | 3,147 |
| Average equity | $18,663,000 | 3,266 |
| Average total loans | $145,370,500 | 2,685 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0388% | 251 |
| Cost of funding earning assets | 0.3297% | 2,124 |
| Net interest margin | 4.7091% | 203 |
| Noninterest income to average assets | 1.5835% | 452 |
| Noninterest expense to average assets | 3.3747% | 566 |
| Loan and lease loss provision to assets | 0.1850% | 611 |
| Net operating income to assets | 2.0004% | 338 |
| Return on assets (ROA) | 2.0009% | 357 |
| Pretax return on assets | 2.1273% | 469 |
| Return on Equity (ROE) | 22.5553% | 199 |
| Retained earnings to average equity (ytd only) | 14.9075% | 233 |
| Net charge-offs to loans | 0.0765% | 1,028 |
| Credit loss provision to net charge-offs | 346.1538% | 999 |
| Earnings coverage of net charge-offs (x) | 43.2500% | 1,390 |
| Efficiency ratio | 59.3456% | 3,250 |
| Assets per employee ($millions) | 5.1014% | 3,643 |
| Cash dividends to net income (ytd only)* | 33.9070% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 3,132 |
| Loan loss allowance to noncurrent loans | 2,139.1892% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 3,761 |
| Noncurrent loans to loans | 0.0537% | 3,698 |
| Net loans and leases to total assets | 68.4885% | 1,210 |
| Net loans and leases to deposits | 77.3027% | 1,467 |
| Net loans and leases to core deposits | 82.4364% | 1,428 |
| Total domestic deposits to total assets | 88.5978% | 1,737 |
| Equity capital to assets | 9.8033% | 2,847 |
| Core capital (leverage) ratio | 9.4508% | 2,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9398% | 2,268 |
| Memoranda: | ||
| Average total assets | $194,563,200 | 3,101 |
| Average earning assets | $169,523,800 | 3,194 |
| Average equity | $17,259,800 | 3,442 |
| Average total loans | $136,002,800 | 2,772 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1785% | 231 |
| Cost of funding earning assets | 0.3384% | 2,217 |
| Net interest margin | 4.8401% | 189 |
| Noninterest income to average assets | 0.3508% | 3,354 |
| Noninterest expense to average assets | 3.5485% | 435 |
| Loan and lease loss provision to assets | 0.1861% | 563 |
| Net operating income to assets | 0.7850% | 3,563 |
| Return on assets (ROA) | 0.7856% | 3,628 |
| Pretax return on assets | 0.8263% | 3,841 |
| Return on Equity (ROE) | 9.1023% | 3,078 |
| Retained earnings to average equity (ytd only) | 4.3595% | 3,459 |
| Net charge-offs to loans | 0.1043% | 721 |
| Credit loss provision to net charge-offs | 254.7170% | 1,085 |
| Earnings coverage of net charge-offs (x) | 13.8491% | 1,908 |
| Efficiency ratio | 77.8147% | 888 |
| Assets per employee ($millions) | 5.3164% | 3,391 |
| Cash dividends to net income (ytd only)* | 52.1053% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 3,449 |
| Loan loss allowance to noncurrent loans | 470.3470% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.1569% | 3,073 |
| Noncurrent loans to loans | 0.2335% | 3,003 |
| Net loans and leases to total assets | 66.4563% | 1,490 |
| Net loans and leases to deposits | 75.3491% | 1,730 |
| Net loans and leases to core deposits | 79.6097% | 1,769 |
| Total domestic deposits to total assets | 88.1979% | 1,717 |
| Equity capital to assets | 8.7223% | 4,053 |
| Core capital (leverage) ratio | 8.5567% | 3,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6860% | 2,805 |
| Memoranda: | ||
| Average total assets | $193,465,750 | 3,147 |
| Average earning assets | $168,255,750 | 3,230 |
| Average equity | $16,698,750 | 3,537 |
| Average total loans | $135,542,750 | 2,816 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4891% | 177 |
| Cost of funding earning assets | 0.3515% | 2,307 |
| Net interest margin | 5.1376% | 145 |
| Noninterest income to average assets | 0.3442% | 3,385 |
| Noninterest expense to average assets | 2.8214% | 1,310 |
| Loan and lease loss provision to assets | 0.1889% | 597 |
| Net operating income to assets | 1.7334% | 824 |
| Return on assets (ROA) | 1.7334% | 872 |
| Pretax return on assets | 1.7963% | 1,245 |
| Return on Equity (ROE) | 20.1570% | 445 |
| Retained earnings to average equity (ytd only) | 15.6546% | 364 |
| Net charge-offs to loans | 0.0517% | 1,104 |
| Credit loss provision to net charge-offs | 514.2857% | 670 |
| Earnings coverage of net charge-offs (x) | 54.0571% | 1,025 |
| Efficiency ratio | 58.6990% | 3,187 |
| Assets per employee ($millions) | 5.2862% | 3,364 |
| Cash dividends to net income (ytd only)* | 22.3366% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0399% | 3,675 |
| Loan loss allowance to noncurrent loans | 432.9412% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 3,105 |
| Noncurrent loans to loans | 0.2402% | 3,084 |
| Net loans and leases to total assets | 71.6220% | 1,011 |
| Net loans and leases to deposits | 81.9660% | 1,226 |
| Net loans and leases to core deposits | 86.8033% | 1,360 |
| Total domestic deposits to total assets | 87.3801% | 2,139 |
| Equity capital to assets | 8.7061% | 4,040 |
| Core capital (leverage) ratio | 9.3807% | 3,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5286% | 2,535 |
| Memoranda: | ||
| Average total assets | $190,613,333 | 3,172 |
| Average earning assets | $165,563,667 | 3,263 |
| Average equity | $16,391,333 | 3,568 |
| Average total loans | $135,474,333 | 2,826 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1810% | 279 |
| Cost of funding earning assets | 0.3772% | 2,293 |
| Net interest margin | 4.8038% | 238 |
| Noninterest income to average assets | 0.3338% | 3,431 |
| Noninterest expense to average assets | 2.7832% | 1,400 |
| Loan and lease loss provision to assets | 0.1914% | 642 |
| Net operating income to assets | 1.4607% | 1,418 |
| Return on assets (ROA) | 1.4607% | 1,479 |
| Pretax return on assets | 1.5288% | 1,925 |
| Return on Equity (ROE) | 17.0970% | 835 |
| Retained earnings to average equity (ytd only) | 13.3640% | 846 |
| Net charge-offs to loans | 0.0785% | 809 |
| Credit loss provision to net charge-offs | 346.1538% | 702 |
| Earnings coverage of net charge-offs (x) | 31.1154% | 1,082 |
| Efficiency ratio | 61.8036% | 2,790 |
| Assets per employee ($millions) | 5.0844% | 3,541 |
| Cash dividends to net income (ytd only)* | 21.8341% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0288% | 3,731 |
| Loan loss allowance to noncurrent loans | 392.9379% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 3,221 |
| Noncurrent loans to loans | 0.2618% | 3,171 |
| Net loans and leases to total assets | 71.1297% | 1,137 |
| Net loans and leases to deposits | 81.4368% | 1,380 |
| Net loans and leases to core deposits | 85.8970% | 1,531 |
| Total domestic deposits to total assets | 87.3435% | 2,158 |
| Equity capital to assets | 8.5757% | 4,065 |
| Core capital (leverage) ratio | 9.4279% | 3,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8486% | 2,345 |
| Memoranda: | ||
| Average total assets | $188,126,000 | 3,181 |
| Average earning assets | $163,289,000 | 3,279 |
| Average equity | $16,073,000 | 3,597 |
| Average total loans | $132,433,500 | 2,872 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3295% | 248 |
| Cost of funding earning assets | 0.6059% | 2,266 |
| Net interest margin | 4.7237% | 207 |
| Noninterest income to average assets | 0.3162% | 3,572 |
| Noninterest expense to average assets | 3.3194% | 886 |
| Loan and lease loss provision to assets | 0.4699% | 571 |
| Net operating income to assets | 0.6488% | 3,600 |
| Return on assets (ROA) | 0.7070% | 3,545 |
| Pretax return on assets | 0.7729% | 3,698 |
| Return on Equity (ROE) | 9.6330% | 2,149 |
| Retained earnings to average equity (ytd only) | 5.7097% | 1,948 |
| Net charge-offs to loans | 0.2192% | 791 |
| Credit loss provision to net charge-offs | 292.5781% | 1,766 |
| Earnings coverage of net charge-offs (x) | 7.3398% | 2,705 |
| Efficiency ratio | 73.7936% | 1,480 |
| Assets per employee ($millions) | 4.9507% | 3,441 |
| Cash dividends to net income (ytd only)* | 40.7276% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0234% | 3,788 |
| Loan loss allowance to noncurrent loans | 282.3404% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.2557% | 3,018 |
| Noncurrent loans to loans | 0.3625% | 2,899 |
| Net loans and leases to total assets | 68.2179% | 1,800 |
| Net loans and leases to deposits | 78.1518% | 2,056 |
| Net loans and leases to core deposits | 82.7473% | 2,137 |
| Total domestic deposits to total assets | 87.2890% | 1,800 |
| Equity capital to assets | 8.5118% | 4,434 |
| Core capital (leverage) ratio | 9.3552% | 3,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8655% | 2,294 |
| Memoranda: | ||
| Average total assets | $159,396,800 | 3,292 |
| Average earning assets | $141,119,000 | 3,371 |
| Average equity | $11,699,400 | 4,003 |
| Average total loans | $116,771,000 | 3,017 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6753% | 159 |
| Cost of funding earning assets | 0.6775% | 2,157 |
| Net interest margin | 4.9979% | 142 |
| Noninterest income to average assets | 0.3066% | 3,655 |
| Noninterest expense to average assets | 3.3767% | 818 |
| Loan and lease loss provision to assets | 0.5906% | 432 |
| Net operating income to assets | 0.7455% | 3,300 |
| Return on assets (ROA) | 0.8295% | 3,108 |
| Pretax return on assets | 0.8812% | 3,430 |
| Return on Equity (ROE) | 11.8881% | 1,403 |
| Retained earnings to average equity (ytd only) | 7.6325% | 1,450 |
| Net charge-offs to loans | 0.3018% | 518 |
| Credit loss provision to net charge-offs | 262.2568% | 1,883 |
| Earnings coverage of net charge-offs (x) | 6.1401% | 2,674 |
| Efficiency ratio | 70.9553% | 1,756 |
| Assets per employee ($millions) | 4.2037% | 4,145 |
| Cash dividends to net income (ytd only)* | 35.7973% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 3,641 |
| Loan loss allowance to noncurrent loans | 340.8719% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.2306% | 3,295 |
| Noncurrent loans to loans | 0.2975% | 3,210 |
| Net loans and leases to total assets | 74.4715% | 1,314 |
| Net loans and leases to deposits | 84.2102% | 1,887 |
| Net loans and leases to core deposits | 87.9177% | 2,154 |
| Total domestic deposits to total assets | 88.4352% | 999 |
| Equity capital to assets | 6.9694% | 4,954 |
| Core capital (leverage) ratio | 7.0950% | 4,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2507% | 3,067 |
| Memoranda: | ||
| Average total assets | $152,214,000 | 3,360 |
| Average earning assets | $135,601,500 | 3,422 |
| Average equity | $10,621,000 | 4,138 |
| Average total loans | $113,547,750 | 3,060 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0568% | 139 |
| Cost of funding earning assets | 0.7496% | 2,126 |
| Net interest margin | 5.3072% | 115 |
| Noninterest income to average assets | 0.3061% | 3,630 |
| Noninterest expense to average assets | 3.3728% | 890 |
| Loan and lease loss provision to assets | 0.8078% | 302 |
| Net operating income to assets | 0.8322% | 2,931 |
| Return on assets (ROA) | 0.9615% | 2,580 |
| Pretax return on assets | 1.0276% | 2,941 |
| Return on Equity (ROE) | 13.7742% | 923 |
| Retained earnings to average equity (ytd only) | 10.5287% | 687 |
| Net charge-offs to loans | 0.1124% | 1,174 |
| Credit loss provision to net charge-offs | 966.1290% | 815 |
| Earnings coverage of net charge-offs (x) | 20.3065% | 1,691 |
| Efficiency ratio | 66.5160% | 2,441 |
| Assets per employee ($millions) | 4.4399% | 3,868 |
| Cash dividends to net income (ytd only)* | 23.5624% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 2,847 |
| Loan loss allowance to noncurrent loans | 270.4142% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.3070% | 3,083 |
| Noncurrent loans to loans | 0.4203% | 2,904 |
| Net loans and leases to total assets | 70.6783% | 1,929 |
| Net loans and leases to deposits | 82.4679% | 2,153 |
| Net loans and leases to core deposits | 85.9611% | 2,444 |
| Total domestic deposits to total assets | 85.7040% | 2,121 |
| Equity capital to assets | 6.6940% | 5,001 |
| Core capital (leverage) ratio | 7.4038% | 4,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3761% | 3,108 |
| Memoranda: | ||
| Average total assets | $148,303,333 | 3,387 |
| Average earning assets | $133,139,000 | 3,431 |
| Average equity | $10,352,667 | 4,179 |
| Average total loans | $110,282,333 | 3,097 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6872% | 253 |
| Cost of funding earning assets | 0.8571% | 2,078 |
| Net interest margin | 4.8302% | 262 |
| Noninterest income to average assets | 0.3534% | 3,403 |
| Noninterest expense to average assets | 3.6409% | 767 |
| Loan and lease loss provision to assets | 0.5069% | 580 |
| Net operating income to assets | 0.5479% | 3,753 |
| Return on assets (ROA) | 0.8197% | 2,925 |
| Pretax return on assets | 0.8921% | 3,158 |
| Return on Equity (ROE) | 11.4552% | 1,275 |
| Retained earnings to average equity (ytd only) | 9.0265% | 969 |
| Net charge-offs to loans | 0.0190% | 1,989 |
| Credit loss provision to net charge-offs | 3,500.0000% | 222 |
| Earnings coverage of net charge-offs (x) | 76.2000% | 689 |
| Efficiency ratio | 76.7399% | 1,484 |
| Assets per employee ($millions) | 3.7434% | 4,233 |
| Cash dividends to net income (ytd only)* | 21.2014% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9447% | 3,951 |
| Loan loss allowance to noncurrent loans | 234.5794% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.3086% | 3,210 |
| Noncurrent loans to loans | 0.4027% | 3,047 |
| Net loans and leases to total assets | 74.0023% | 1,602 |
| Net loans and leases to deposits | 84.5677% | 2,162 |
| Net loans and leases to core deposits | 88.9096% | 2,456 |
| Total domestic deposits to total assets | 87.5066% | 1,330 |
| Equity capital to assets | 7.0439% | 5,063 |
| Core capital (leverage) ratio | 8.0945% | 4,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2286% | 3,292 |
| Memoranda: | ||
| Average total assets | $138,096,000 | 3,478 |
| Average earning assets | $125,544,500 | 3,501 |
| Average equity | $9,882,000 | 4,255 |
| Average total loans | $105,114,500 | 3,152 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8855% | 268 |
| Cost of funding earning assets | 0.9958% | 1,741 |
| Net interest margin | 4.8897% | 337 |
| Noninterest income to average assets | 0.3845% | 3,387 |
| Noninterest expense to average assets | 3.9623% | 554 |
| Loan and lease loss provision to assets | 0.2097% | 958 |
| Net operating income to assets | 0.5976% | 4,167 |
| Return on assets (ROA) | 0.6425% | 4,104 |
| Pretax return on assets | 0.6686% | 4,284 |
| Return on Equity (ROE) | 9.3568% | 2,585 |
| Retained earnings to average equity (ytd only) | 5.8192% | 1,967 |
| Net charge-offs to loans | 0.0586% | 2,262 |
| Credit loss provision to net charge-offs | 473.2143% | 613 |
| Earnings coverage of net charge-offs (x) | 18.7679% | 2,037 |
| Efficiency ratio | 82.6539% | 757 |
| Assets per employee ($millions) | 3.5248% | 4,458 |
| Cash dividends to net income (ytd only)* | 37.8079% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8023% | 4,296 |
| Loan loss allowance to noncurrent loans | 201.4493% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.3173% | 3,151 |
| Noncurrent loans to loans | 0.3982% | 3,013 |
| Net loans and leases to total assets | 76.9906% | 1,258 |
| Net loans and leases to deposits | 86.4494% | 2,031 |
| Net loans and leases to core deposits | 91.8632% | 2,244 |
| Total domestic deposits to total assets | 89.0586% | 646 |
| Equity capital to assets | 7.2748% | 5,120 |
| Core capital (leverage) ratio | 7.5831% | 5,096 |
| Tier 1 risk-based capital ratio | 9.8749% | 5,132 |
| Total risk-based capital ratio | 10.6766% | 5,150 |
| Memoranda: | ||
| Average total assets | $126,390,800 | 3,611 |
| Average earning assets | $113,974,800 | 3,648 |
| Average equity | $8,678,200 | 4,422 |
| Average total loans | $95,482,400 | 3,290 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9432% | 268 |
| Cost of funding earning assets | 1.0052% | 1,742 |
| Net interest margin | 4.9379% | 324 |
| Noninterest income to average assets | 0.3727% | 3,482 |
| Noninterest expense to average assets | 4.0062% | 527 |
| Loan and lease loss provision to assets | 0.2088% | 841 |
| Net operating income to assets | 0.5755% | 4,363 |
| Return on assets (ROA) | 0.6361% | 4,247 |
| Pretax return on assets | 0.6607% | 4,429 |
| Return on Equity (ROE) | 9.4152% | 2,706 |
| Retained earnings to average equity (ytd only) | 5.8171% | 2,450 |
| Net charge-offs to loans | 0.0571% | 2,013 |
| Credit loss provision to net charge-offs | 487.5000% | 645 |
| Earnings coverage of net charge-offs (x) | 18.8256% | 2,034 |
| Efficiency ratio | 83.2443% | 667 |
| Assets per employee ($millions) | 3.3847% | 4,608 |
| Cash dividends to net income (ytd only)* | 38.2156% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7797% | 4,461 |
| Loan loss allowance to noncurrent loans | 189.3204% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3614% | 3,057 |
| Noncurrent loans to loans | 0.4119% | 3,073 |
| Net loans and leases to total assets | 75.1900% | 1,621 |
| Net loans and leases to deposits | 84.5642% | 2,376 |
| Net loans and leases to core deposits | 90.1399% | 2,538 |
| Total domestic deposits to total assets | 88.9146% | 641 |
| Equity capital to assets | 7.0150% | 5,221 |
| Core capital (leverage) ratio | 7.6760% | 5,166 |
| Tier 1 risk-based capital ratio | 9.8447% | 5,207 |
| Total risk-based capital ratio | 10.6152% | 5,231 |
| Memoranda: | ||
| Average total assets | $124,503,250 | 3,671 |
| Average earning assets | $111,946,500 | 3,716 |
| Average equity | $8,411,750 | 4,506 |
| Average total loans | $93,364,000 | 3,369 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8395% | 312 |
| Cost of funding earning assets | 1.0027% | 1,685 |
| Net interest margin | 4.8369% | 384 |
| Noninterest income to average assets | 0.3688% | 3,474 |
| Noninterest expense to average assets | 4.0638% | 488 |
| Loan and lease loss provision to assets | 0.2213% | 749 |
| Net operating income to assets | 0.4290% | 4,682 |
| Return on assets (ROA) | 0.4656% | 4,638 |
| Pretax return on assets | 0.4787% | 4,722 |
| Return on Equity (ROE) | 6.9873% | 3,686 |
| Retained earnings to average equity (ytd only) | 3.2476% | 3,600 |
| Net charge-offs to loans | 0.0614% | 1,765 |
| Credit loss provision to net charge-offs | 482.1429% | 622 |
| Earnings coverage of net charge-offs (x) | 14.4286% | 2,035 |
| Efficiency ratio | 85.9868% | 548 |
| Assets per employee ($millions) | 3.2729% | 4,721 |
| Cash dividends to net income (ytd only)* | 53.5211% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7648% | 4,565 |
| Loan loss allowance to noncurrent loans | 137.5940% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 2,813 |
| Noncurrent loans to loans | 0.5558% | 2,603 |
| Net loans and leases to total assets | 74.4093% | 1,819 |
| Net loans and leases to deposits | 83.8311% | 2,507 |
| Net loans and leases to core deposits | 89.3449% | 2,653 |
| Total domestic deposits to total assets | 88.7609% | 760 |
| Equity capital to assets | 6.9952% | 5,264 |
| Core capital (leverage) ratio | 7.8521% | 5,195 |
| Tier 1 risk-based capital ratio | 9.9035% | 5,237 |
| Total risk-based capital ratio | 10.6484% | 5,268 |
| Memoranda: | ||
| Average total assets | $122,003,330 | 3,728 |
| Average earning assets | $109,906,000 | 3,776 |
| Average equity | $8,129,000 | 4,566 |
| Average total loans | $91,141,000 | 3,431 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8965% | 261 |
| Cost of funding earning assets | 0.9784% | 1,660 |
| Net interest margin | 4.9181% | 328 |
| Noninterest income to average assets | 0.3658% | 3,406 |
| Noninterest expense to average assets | 4.1516% | 436 |
| Loan and lease loss provision to assets | 0.2517% | 578 |
| Net operating income to assets | 0.4027% | 4,728 |
| Return on assets (ROA) | 0.4799% | 4,595 |
| Pretax return on assets | 0.4766% | 4,736 |
| Return on Equity (ROE) | 7.4007% | 3,498 |
| Retained earnings to average equity (ytd only) | 3.4157% | 3,552 |
| Net charge-offs to loans | -0.0045% | 3,994 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4430% | 554 |
| Assets per employee ($millions) | 3.0899% | 4,925 |
| Cash dividends to net income (ytd only)* | 53.8462% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7725% | 4,597 |
| Loan loss allowance to noncurrent loans | 132.5142% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.4481% | 2,803 |
| Noncurrent loans to loans | 0.5830% | 2,588 |
| Net loans and leases to total assets | 74.7195% | 1,684 |
| Net loans and leases to deposits | 84.1005% | 2,374 |
| Net loans and leases to core deposits | 90.0926% | 2,491 |
| Total domestic deposits to total assets | 88.8456% | 938 |
| Equity capital to assets | 6.5805% | 5,327 |
| Core capital (leverage) ratio | 7.6418% | 5,269 |
| Tier 1 risk-based capital ratio | 9.4995% | 5,332 |
| Total risk-based capital ratio | 10.2344% | 5,338 |
| Memoranda: | ||
| Average total assets | $119,183,000 | 3,816 |
| Average earning assets | $107,521,500 | 3,852 |
| Average equity | $7,729,000 | 4,649 |
| Average total loans | $88,856,000 | 3,513 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5891% | 341 |
| Cost of funding earning assets | 0.7363% | 1,869 |
| Net interest margin | 4.8528% | 354 |
| Noninterest income to average assets | 0.4720% | 2,987 |
| Noninterest expense to average assets | 4.1027% | 471 |
| Loan and lease loss provision to assets | 0.0700% | 2,737 |
| Net operating income to assets | 0.6717% | 4,229 |
| Return on assets (ROA) | 0.5756% | 4,490 |
| Pretax return on assets | 0.5746% | 4,673 |
| Return on Equity (ROE) | 8.1033% | 3,388 |
| Retained earnings to average equity (ytd only) | 4.2421% | 3,220 |
| Net charge-offs to loans | 0.0606% | 2,267 |
| Credit loss provision to net charge-offs | 170.4545% | 1,637 |
| Earnings coverage of net charge-offs (x) | 18.0455% | 2,161 |
| Efficiency ratio | 84.7072% | 598 |
| Assets per employee ($millions) | 3.0220% | 4,984 |
| Cash dividends to net income (ytd only)* | 47.6499% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7187% | 4,763 |
| Loan loss allowance to noncurrent loans | 82.5627% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 0.6516% | 2,091 |
| Noncurrent loans to loans | 0.8704% | 1,851 |
| Net loans and leases to total assets | 73.2602% | 2,051 |
| Net loans and leases to deposits | 85.7037% | 2,313 |
| Net loans and leases to core deposits | 91.1397% | 2,483 |
| Total domestic deposits to total assets | 85.4808% | 2,443 |
| Equity capital to assets | 6.3873% | 5,367 |
| Core capital (leverage) ratio | 7.8064% | 5,281 |
| Tier 1 risk-based capital ratio | 9.5324% | 5,368 |
| Total risk-based capital ratio | 10.1968% | 5,379 |
| Memoranda: | ||
| Average total assets | $107,197,600 | 3,982 |
| Average earning assets | $96,562,800 | 4,027 |
| Average equity | $7,614,200 | 4,659 |
| Average total loans | $72,640,600 | 3,816 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5862% | 303 |
| Cost of funding earning assets | 0.6711% | 2,026 |
| Net interest margin | 4.9150% | 308 |
| Noninterest income to average assets | 0.5153% | 2,771 |
| Noninterest expense to average assets | 4.0790% | 471 |
| Loan and lease loss provision to assets | 0.0638% | 2,699 |
| Net operating income to assets | 0.7895% | 3,942 |
| Return on assets (ROA) | 0.6581% | 4,360 |
| Pretax return on assets | 0.6594% | 4,625 |
| Return on Equity (ROE) | 9.0100% | 3,081 |
| Retained earnings to average equity (ytd only) | 5.1510% | 3,155 |
| Net charge-offs to loans | 0.0521% | 2,080 |
| Credit loss provision to net charge-offs | 185.1852% | 1,471 |
| Earnings coverage of net charge-offs (x) | 24.8142% | 1,795 |
| Efficiency ratio | 82.6784% | 730 |
| Assets per employee ($millions) | 2.9147% | 5,096 |
| Cash dividends to net income (ytd only)* | 42.8297% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7514% | 4,751 |
| Loan loss allowance to noncurrent loans | 108.8183% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.5481% | 2,548 |
| Noncurrent loans to loans | 0.6905% | 2,351 |
| Net loans and leases to total assets | 71.6922% | 2,375 |
| Net loans and leases to deposits | 83.3545% | 2,672 |
| Net loans and leases to core deposits | 90.2251% | 2,643 |
| Total domestic deposits to total assets | 86.0089% | 2,186 |
| Equity capital to assets | 6.5883% | 5,420 |
| Core capital (leverage) ratio | 7.9920% | 5,320 |
| Tier 1 risk-based capital ratio | 9.9408% | 5,389 |
| Total risk-based capital ratio | 10.6270% | 5,433 |
| Memoranda: | ||
| Average total assets | $104,532,500 | 4,060 |
| Average earning assets | $93,967,750 | 4,106 |
| Average equity | $7,635,750 | 4,708 |
| Average total loans | $69,058,750 | 3,929 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4628% | 342 |
| Cost of funding earning assets | 0.5756% | 2,394 |
| Net interest margin | 4.8872% | 313 |
| Noninterest income to average assets | 0.5518% | 2,570 |
| Noninterest expense to average assets | 3.9414% | 581 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9973% | 3,032 |
| Return on assets (ROA) | 0.8178% | 3,804 |
| Pretax return on assets | 0.8297% | 4,162 |
| Return on Equity (ROE) | 10.8007% | 2,194 |
| Retained earnings to average equity (ytd only) | 6.9749% | 2,083 |
| Net charge-offs to loans | 0.1731% | 897 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 9.1607% | 2,414 |
| Efficiency ratio | 79.5862% | 1,056 |
| Assets per employee ($millions) | 2.8316% | 5,202 |
| Cash dividends to net income (ytd only)* | 35.4217% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6812% | 4,979 |
| Loan loss allowance to noncurrent loans | 57.6017% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 0.8458% | 1,764 |
| Noncurrent loans to loans | 1.1827% | 1,466 |
| Net loans and leases to total assets | 71.0274% | 2,431 |
| Net loans and leases to deposits | 86.4872% | 2,269 |
| Net loans and leases to core deposits | 96.2122% | 2,045 |
| Total domestic deposits to total assets | 82.1247% | 3,675 |
| Equity capital to assets | 6.9246% | 5,456 |
| Core capital (leverage) ratio | 8.5084% | 5,105 |
| Tier 1 risk-based capital ratio | 10.2187% | 5,364 |
| Total risk-based capital ratio | 10.8356% | 5,459 |
| Memoranda: | ||
| Average total assets | $101,486,000 | 4,153 |
| Average earning assets | $91,381,670 | 4,198 |
| Average equity | $7,684,670 | 4,750 |
| Average total loans | $64,708,000 | 4,054 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3498% | 364 |
| Cost of funding earning assets | 0.5056% | 2,755 |
| Net interest margin | 4.8442% | 313 |
| Noninterest income to average assets | 0.5236% | 2,664 |
| Noninterest expense to average assets | 3.9088% | 582 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9543% | 3,057 |
| Return on assets (ROA) | 0.7257% | 4,009 |
| Pretax return on assets | 0.7298% | 4,359 |
| Return on Equity (ROE) | 9.1387% | 2,841 |
| Retained earnings to average equity (ytd only) | 5.2963% | 3,038 |
| Net charge-offs to loans | -0.0556% | 5,015 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2710% | 1,103 |
| Assets per employee ($millions) | 2.9291% | 5,199 |
| Cash dividends to net income (ytd only)* | 42.0455% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9220% | 4,346 |
| Loan loss allowance to noncurrent loans | 89.1852% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 0.6584% | 2,347 |
| Noncurrent loans to loans | 1.0338% | 1,774 |
| Net loans and leases to total assets | 63.1027% | 3,420 |
| Net loans and leases to deposits | 73.3350% | 3,479 |
| Net loans and leases to core deposits | 83.1376% | 3,047 |
| Total domestic deposits to total assets | 86.0472% | 2,526 |
| Equity capital to assets | 7.3744% | 5,455 |
| Core capital (leverage) ratio | 9.1626% | 4,489 |
| Tier 1 risk-based capital ratio | 11.4058% | 4,915 |
| Total risk-based capital ratio | 12.1908% | 5,068 |
| Memoranda: | ||
| Average total assets | $97,013,000 | 4,268 |
| Average earning assets | $87,032,000 | 4,321 |
| Average equity | $7,703,500 | 4,796 |
| Average total loans | $57,574,500 | 4,263 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2296% | 417 |
| Cost of funding earning assets | 0.4540% | 2,734 |
| Net interest margin | 4.7756% | 369 |
| Noninterest income to average assets | 0.6016% | 2,438 |
| Noninterest expense to average assets | 3.9468% | 577 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8043% | 3,138 |
| Return on assets (ROA) | 0.8483% | 2,986 |
| Pretax return on assets | 0.8811% | 3,972 |
| Return on Equity (ROE) | 10.3045% | 1,767 |
| Retained earnings to average equity (ytd only) | 7.0023% | 1,073 |
| Net charge-offs to loans | -0.1077% | 5,385 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5342% | 886 |
| Assets per employee ($millions) | 2.9519% | 5,230 |
| Cash dividends to net income (ytd only)* | 32.0463% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 2,831 |
| Loan loss allowance to noncurrent loans | 98.1818% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 0.6611% | 2,338 |
| Noncurrent loans to loans | 1.2135% | 1,459 |
| Net loans and leases to total assets | 53.8330% | 4,381 |
| Net loans and leases to deposits | 63.2545% | 4,365 |
| Net loans and leases to core deposits | 66.5541% | 4,387 |
| Total domestic deposits to total assets | 85.1053% | 2,800 |
| Equity capital to assets | 8.5751% | 5,062 |
| Core capital (leverage) ratio | 9.3949% | 4,167 |
| Tier 1 risk-based capital ratio | 13.9215% | 3,403 |
| Total risk-based capital ratio | 14.8782% | 3,476 |
| Memoranda: | ||
| Average total assets | $91,592,400 | 4,400 |
| Average earning assets | $80,178,400 | 4,461 |
| Average equity | $7,540,400 | 4,853 |
| Average total loans | $50,153,800 | 4,454 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2395% | 391 |
| Cost of funding earning assets | 0.4566% | 2,648 |
| Net interest margin | 4.7829% | 350 |
| Noninterest income to average assets | 0.6287% | 2,315 |
| Noninterest expense to average assets | 3.8058% | 667 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9350% | 2,854 |
| Return on assets (ROA) | 0.9445% | 2,869 |
| Pretax return on assets | 1.0100% | 3,647 |
| Return on Equity (ROE) | 11.5935% | 1,461 |
| Retained earnings to average equity (ytd only) | 8.2173% | 1,127 |
| Net charge-offs to loans | -0.1805% | 5,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1944% | 1,189 |
| Assets per employee ($millions) | 3.2280% | 5,039 |
| Cash dividends to net income (ytd only)* | 29.1214% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1930% | 2,968 |
| Loan loss allowance to noncurrent loans | 90.8819% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 0.8151% | 2,111 |
| Noncurrent loans to loans | 1.3127% | 1,458 |
| Net loans and leases to total assets | 53.7912% | 4,430 |
| Net loans and leases to deposits | 63.2744% | 4,430 |
| Net loans and leases to core deposits | 67.1660% | 4,412 |
| Total domestic deposits to total assets | 85.0126% | 2,708 |
| Equity capital to assets | 8.5192% | 5,275 |
| Core capital (leverage) ratio | 9.2130% | 4,504 |
| Tier 1 risk-based capital ratio | 13.4854% | 3,717 |
| Total risk-based capital ratio | 14.4503% | 3,793 |
| Memoranda: | ||
| Average total assets | $91,613,250 | 4,437 |
| Average earning assets | $80,005,750 | 4,509 |
| Average equity | $7,463,750 | 4,914 |
| Average total loans | $50,228,250 | 4,495 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2472% | 361 |
| Cost of funding earning assets | 0.4562% | 2,544 |
| Net interest margin | 4.7910% | 327 |
| Noninterest income to average assets | 0.6355% | 2,285 |
| Noninterest expense to average assets | 3.8352% | 643 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9195% | 2,808 |
| Return on assets (ROA) | 0.9236% | 2,846 |
| Pretax return on assets | 0.9852% | 3,621 |
| Return on Equity (ROE) | 11.5174% | 1,461 |
| Retained earnings to average equity (ytd only) | 7.9799% | 1,176 |
| Net charge-offs to loans | -0.2441% | 5,609 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6347% | 1,258 |
| Assets per employee ($millions) | 3.1931% | 5,109 |
| Cash dividends to net income (ytd only)* | 30.7143% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2127% | 2,938 |
| Loan loss allowance to noncurrent loans | 75.5025% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 0.9816% | 1,786 |
| Noncurrent loans to loans | 1.6061% | 1,151 |
| Net loans and leases to total assets | 52.8715% | 4,492 |
| Net loans and leases to deposits | 62.1986% | 4,493 |
| Net loans and leases to core deposits | 66.3833% | 4,444 |
| Total domestic deposits to total assets | 85.0043% | 2,807 |
| Equity capital to assets | 8.5140% | 5,298 |
| Core capital (leverage) ratio | 9.1121% | 4,601 |
| Tier 1 risk-based capital ratio | 13.4789% | 3,709 |
| Total risk-based capital ratio | 14.4515% | 3,780 |
| Memoranda: | ||
| Average total assets | $90,947,000 | 4,483 |
| Average earning assets | $79,357,000 | 4,544 |
| Average equity | $7,293,330 | 4,967 |
| Average total loans | $49,983,330 | 4,531 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2743% | 332 |
| Cost of funding earning assets | 0.4569% | 2,462 |
| Net interest margin | 4.8174% | 305 |
| Noninterest income to average assets | 0.5770% | 2,529 |
| Noninterest expense to average assets | 3.9059% | 597 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8303% | 3,078 |
| Return on assets (ROA) | 0.8344% | 3,115 |
| Pretax return on assets | 0.8877% | 3,815 |
| Return on Equity (ROE) | 10.7459% | 1,659 |
| Retained earnings to average equity (ytd only) | 6.8019% | 1,930 |
| Net charge-offs to loans | 0.0717% | 1,611 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 22.1111% | 1,432 |
| Efficiency ratio | 81.5570% | 1,198 |
| Assets per employee ($millions) | 3.1625% | 5,206 |
| Cash dividends to net income (ytd only)* | 36.7021% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0683% | 3,891 |
| Loan loss allowance to noncurrent loans | 67.9898% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 1.1013% | 1,615 |
| Noncurrent loans to loans | 1.5713% | 1,245 |
| Net loans and leases to total assets | 53.6151% | 4,368 |
| Net loans and leases to deposits | 62.7138% | 4,389 |
| Net loans and leases to core deposits | 66.9499% | 4,363 |
| Total domestic deposits to total assets | 85.4917% | 2,888 |
| Equity capital to assets | 7.8146% | 5,599 |
| Core capital (leverage) ratio | 9.0466% | 4,683 |
| Tier 1 risk-based capital ratio | 13.1673% | 3,979 |
| Total risk-based capital ratio | 14.0244% | 4,112 |
| Memoranda: | ||
| Average total assets | $90,120,500 | 4,540 |
| Average earning assets | $78,797,000 | 4,598 |
| Average equity | $6,998,000 | 5,063 |
| Average total loans | $50,195,000 | 4,558 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3160% | 345 |
| Cost of funding earning assets | 0.5014% | 2,080 |
| Net interest margin | 4.8146% | 342 |
| Noninterest income to average assets | 0.6078% | 2,620 |
| Noninterest expense to average assets | 4.1110% | 523 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7135% | 3,724 |
| Return on assets (ROA) | 0.8716% | 3,081 |
| Pretax return on assets | 0.9050% | 3,836 |
| Return on Equity (ROE) | 10.3764% | 1,813 |
| Retained earnings to average equity (ytd only) | 7.4874% | 1,043 |
| Net charge-offs to loans | 0.3497% | 776 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 3.7360% | 3,614 |
| Efficiency ratio | 84.7407% | 939 |
| Assets per employee ($millions) | 2.8557% | 5,451 |
| Cash dividends to net income (ytd only)* | 27.8416% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0654% | 3,920 |
| Loan loss allowance to noncurrent loans | 82.8221% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 0.9952% | 1,906 |
| Noncurrent loans to loans | 1.2863% | 1,591 |
| Net loans and leases to total assets | 56.6454% | 4,204 |
| Net loans and leases to deposits | 66.8975% | 4,178 |
| Net loans and leases to core deposits | 70.2270% | 4,221 |
| Total domestic deposits to total assets | 84.6749% | 3,182 |
| Equity capital to assets | 7.7139% | 5,661 |
| Core capital (leverage) ratio | 9.0086% | 4,735 |
| Tier 1 risk-based capital ratio | 13.0328% | 4,048 |
| Total risk-based capital ratio | 13.9100% | 4,176 |
| Memoranda: | ||
| Average total assets | $89,832,800 | 4,545 |
| Average earning assets | $79,176,600 | 4,604 |
| Average equity | $7,546,000 | 4,999 |
| Average total loans | $50,900,400 | 4,555 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3167% | 360 |
| Cost of funding earning assets | 0.5062% | 2,051 |
| Net interest margin | 4.8105% | 356 |
| Noninterest income to average assets | 0.6152% | 2,589 |
| Noninterest expense to average assets | 4.1289% | 515 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7239% | 3,727 |
| Return on assets (ROA) | 0.9405% | 2,832 |
| Pretax return on assets | 0.9494% | 3,816 |
| Return on Equity (ROE) | 10.9767% | 1,678 |
| Retained earnings to average equity (ytd only) | 8.1463% | 1,115 |
| Net charge-offs to loans | 0.4631% | 460 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.7910% | 3,522 |
| Efficiency ratio | 84.9665% | 905 |
| Assets per employee ($millions) | 2.9091% | 5,460 |
| Cash dividends to net income (ytd only)* | 25.7860% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 4,211 |
| Loan loss allowance to noncurrent loans | 91.6949% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 0.9082% | 2,282 |
| Noncurrent loans to loans | 1.1289% | 1,995 |
| Net loans and leases to total assets | 57.3524% | 4,159 |
| Net loans and leases to deposits | 68.1292% | 4,137 |
| Net loans and leases to core deposits | 72.8906% | 4,096 |
| Total domestic deposits to total assets | 84.1818% | 3,155 |
| Equity capital to assets | 8.9941% | 5,185 |
| Core capital (leverage) ratio | 8.7557% | 5,093 |
| Tier 1 risk-based capital ratio | 12.6306% | 4,384 |
| Total risk-based capital ratio | 13.4958% | 4,544 |
| Memoranda: | ||
| Average total assets | $90,159,000 | 4,580 |
| Average earning assets | $79,545,750 | 4,631 |
| Average equity | $7,725,250 | 5,026 |
| Average total loans | $50,953,750 | 4,586 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3129% | 350 |
| Cost of funding earning assets | 0.5034% | 2,080 |
| Net interest margin | 4.8095% | 361 |
| Noninterest income to average assets | 0.5724% | 2,779 |
| Noninterest expense to average assets | 4.2395% | 471 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5544% | 4,465 |
| Return on assets (ROA) | 0.7632% | 3,629 |
| Pretax return on assets | 0.7876% | 4,331 |
| Return on Equity (ROE) | 9.0566% | 2,473 |
| Retained earnings to average equity (ytd only) | 6.1079% | 2,065 |
| Net charge-offs to loans | 0.6136% | 338 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.6645% | 3,374 |
| Efficiency ratio | 88.1051% | 718 |
| Assets per employee ($millions) | 2.8750% | 5,550 |
| Cash dividends to net income (ytd only)* | 32.5581% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 3,876 |
| Loan loss allowance to noncurrent loans | 122.1258% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.7742% | 2,664 |
| Noncurrent loans to loans | 0.9118% | 2,458 |
| Net loans and leases to total assets | 56.0970% | 4,298 |
| Net loans and leases to deposits | 66.8543% | 4,278 |
| Net loans and leases to core deposits | 72.0117% | 4,179 |
| Total domestic deposits to total assets | 83.9093% | 3,303 |
| Equity capital to assets | 8.8818% | 5,326 |
| Core capital (leverage) ratio | 8.5462% | 5,326 |
| Tier 1 risk-based capital ratio | 12.5061% | 4,515 |
| Total risk-based capital ratio | 13.4258% | 4,634 |
| Memoranda: | ||
| Average total assets | $90,151,670 | 4,613 |
| Average earning assets | $79,467,330 | 4,669 |
| Average equity | $7,596,670 | 5,087 |
| Average total loans | $50,517,670 | 4,627 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3013% | 356 |
| Cost of funding earning assets | 0.5246% | 1,912 |
| Net interest margin | 4.7767% | 374 |
| Noninterest income to average assets | 0.5603% | 2,739 |
| Noninterest expense to average assets | 4.0810% | 561 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6733% | 3,858 |
| Return on assets (ROA) | 0.8427% | 3,151 |
| Pretax return on assets | 0.8736% | 3,958 |
| Return on Equity (ROE) | 10.2730% | 1,861 |
| Retained earnings to average equity (ytd only) | 9.7351% | 917 |
| Net charge-offs to loans | 0.6733% | 321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.8588% | 2,766 |
| Efficiency ratio | 85.4109% | 1,031 |
| Assets per employee ($millions) | 2.9272% | 5,581 |
| Cash dividends to net income (ytd only)* | 5.2356% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 3,140 |
| Loan loss allowance to noncurrent loans | 252.1912% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.6502% | 3,108 |
| Noncurrent loans to loans | 0.4981% | 3,681 |
| Net loans and leases to total assets | 54.8302% | 4,372 |
| Net loans and leases to deposits | 64.9785% | 4,347 |
| Net loans and leases to core deposits | 70.4382% | 4,211 |
| Total domestic deposits to total assets | 84.3821% | 3,364 |
| Equity capital to assets | 8.4591% | 5,591 |
| Core capital (leverage) ratio | 8.3697% | 5,495 |
| Tier 1 risk-based capital ratio | 12.6048% | 4,516 |
| Total risk-based capital ratio | 13.6538% | 4,548 |
| Memoranda: | ||
| Average total assets | $90,664,500 | 4,642 |
| Average earning assets | $80,055,500 | 4,706 |
| Average equity | $7,437,000 | 5,147 |
| Average total loans | $50,496,500 | 4,658 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4541% | 288 |
| Cost of funding earning assets | 0.4798% | 2,354 |
| Net interest margin | 4.9744% | 265 |
| Noninterest income to average assets | 0.5984% | 2,724 |
| Noninterest expense to average assets | 3.9489% | 718 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0086% | 2,317 |
| Return on assets (ROA) | 1.0280% | 2,302 |
| Pretax return on assets | 1.0768% | 3,166 |
| Return on Equity (ROE) | 13.2100% | 1,009 |
| Retained earnings to average equity (ytd only) | 10.4719% | 400 |
| Net charge-offs to loans | 0.0746% | 2,763 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 24.5263% | 1,670 |
| Efficiency ratio | 78.8949% | 1,830 |
| Assets per employee ($millions) | 2.8308% | 5,672 |
| Cash dividends to net income (ytd only)* | 20.7277% | 3,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 2,329 |
| Loan loss allowance to noncurrent loans | 217.5758% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.6226% | 3,203 |
| Noncurrent loans to loans | 0.6521% | 3,232 |
| Net loans and leases to total assets | 55.0719% | 4,381 |
| Net loans and leases to deposits | 66.2805% | 4,292 |
| Net loans and leases to core deposits | 74.1124% | 3,928 |
| Total domestic deposits to total assets | 83.0892% | 3,815 |
| Equity capital to assets | 7.9460% | 5,871 |
| Core capital (leverage) ratio | 8.2542% | 5,640 |
| Tier 1 risk-based capital ratio | 12.3189% | 4,751 |
| Total risk-based capital ratio | 13.5102% | 4,683 |
| Memoranda: | ||
| Average total assets | $88,228,200 | 4,706 |
| Average earning assets | $78,160,800 | 4,759 |
| Average equity | $6,866,000 | 5,268 |
| Average total loans | $50,953,200 | 4,640 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4802% | 274 |
| Cost of funding earning assets | 0.4796% | 2,414 |
| Net interest margin | 5.0006% | 255 |
| Noninterest income to average assets | 0.6070% | 2,700 |
| Noninterest expense to average assets | 3.9008% | 744 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0871% | 2,068 |
| Return on assets (ROA) | 1.1075% | 2,052 |
| Pretax return on assets | 1.1532% | 3,002 |
| Return on Equity (ROE) | 14.3099% | 839 |
| Retained earnings to average equity (ytd only) | 12.6981% | 303 |
| Net charge-offs to loans | 0.0966% | 2,186 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 20.1091% | 1,891 |
| Efficiency ratio | 77.5091% | 2,019 |
| Assets per employee ($millions) | 3.0621% | 5,475 |
| Cash dividends to net income (ytd only)* | 11.2637% | 3,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 2,478 |
| Loan loss allowance to noncurrent loans | 151.3684% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.7984% | 2,890 |
| Noncurrent loans to loans | 0.9416% | 2,615 |
| Net loans and leases to total assets | 55.9976% | 4,358 |
| Net loans and leases to deposits | 66.4746% | 4,339 |
| Net loans and leases to core deposits | 74.2715% | 3,990 |
| Total domestic deposits to total assets | 84.2391% | 3,325 |
| Equity capital to assets | 8.0190% | 5,949 |
| Core capital (leverage) ratio | 8.2183% | 5,762 |
| Tier 1 risk-based capital ratio | 12.3301% | 4,872 |
| Total risk-based capital ratio | 13.5384% | 4,795 |
| Memoranda: | ||
| Average total assets | $87,638,500 | 4,774 |
| Average earning assets | $77,561,500 | 4,829 |
| Average equity | $6,783,000 | 5,350 |
| Average total loans | $51,040,000 | 4,680 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5195% | 258 |
| Cost of funding earning assets | 0.4777% | 2,450 |
| Net interest margin | 5.0418% | 230 |
| Noninterest income to average assets | 0.6029% | 2,721 |
| Noninterest expense to average assets | 3.8762% | 791 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1275% | 1,846 |
| Return on assets (ROA) | 1.1209% | 1,963 |
| Pretax return on assets | 1.1713% | 2,893 |
| Return on Equity (ROE) | 14.6619% | 793 |
| Retained earnings to average equity (ytd only) | 13.8224% | 241 |
| Net charge-offs to loans | -0.0937% | 5,767 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6893% | 2,252 |
| Assets per employee ($millions) | 2.8530% | 5,764 |
| Cash dividends to net income (ytd only)* | 5.7260% | 3,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 2,144 |
| Loan loss allowance to noncurrent loans | 129.5681% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 1.0707% | 2,373 |
| Noncurrent loans to loans | 1.1835% | 2,285 |
| Net loans and leases to total assets | 56.6291% | 4,265 |
| Net loans and leases to deposits | 66.8995% | 4,236 |
| Net loans and leases to core deposits | 72.5712% | 4,079 |
| Total domestic deposits to total assets | 84.6479% | 3,272 |
| Equity capital to assets | 7.3583% | 6,137 |
| Core capital (leverage) ratio | 8.1869% | 5,798 |
| Tier 1 risk-based capital ratio | 12.1188% | 5,067 |
| Total risk-based capital ratio | 13.3725% | 4,961 |
| Memoranda: | ||
| Average total assets | $87,250,670 | 4,830 |
| Average earning assets | $77,035,330 | 4,889 |
| Average equity | $6,670,330 | 5,419 |
| Average total loans | $51,238,000 | 4,716 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6757% | 199 |
| Cost of funding earning assets | 0.4878% | 2,401 |
| Net interest margin | 5.1878% | 182 |
| Noninterest income to average assets | 0.6324% | 2,484 |
| Noninterest expense to average assets | 3.8175% | 859 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3206% | 1,208 |
| Return on assets (ROA) | 1.3294% | 1,265 |
| Pretax return on assets | 1.3894% | 1,926 |
| Return on Equity (ROE) | 17.0629% | 464 |
| Retained earnings to average equity (ytd only) | 17.0629% | 176 |
| Net charge-offs to loans | 0.0078% | 3,067 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 299.0000% | 190 |
| Efficiency ratio | 73.4458% | 2,914 |
| Assets per employee ($millions) | 2.9004% | 5,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4817% | 2,522 |
| Loan loss allowance to noncurrent loans | 291.5058% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.7263% | 3,316 |
| Noncurrent loans to loans | 0.5083% | 4,058 |
| Net loans and leases to total assets | 57.6925% | 3,995 |
| Net loans and leases to deposits | 68.7897% | 3,883 |
| Net loans and leases to core deposits | 72.1005% | 3,951 |
| Total domestic deposits to total assets | 83.8679% | 3,862 |
| Equity capital to assets | 8.1080% | 5,982 |
| Core capital (leverage) ratio | 8.1657% | 5,841 |
| Tier 1 risk-based capital ratio | 12.1531% | 5,150 |
| Total risk-based capital ratio | 13.4036% | 5,052 |
| Memoranda: | ||
| Average total assets | $86,654,000 | 4,887 |
| Average earning assets | $76,255,500 | 4,966 |
| Average equity | $6,751,500 | 5,450 |
| Average total loans | $51,424,500 | 4,751 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6214% | 267 |
| Cost of funding earning assets | 0.5534% | 2,182 |
| Net interest margin | 5.0679% | 268 |
| Noninterest income to average assets | 0.7016% | 2,297 |
| Noninterest expense to average assets | 7.0302% | 135 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -1.7033% | 6,444 |
| Return on assets (ROA) | -1.5648% | 6,435 |
| Pretax return on assets | -1.6779% | 6,434 |
| Return on Equity (ROE) | -17.7172% | 6,427 |
| Retained earnings to average equity (ytd only) | -20.0429% | 6,424 |
| Net charge-offs to loans | 0.0972% | 3,115 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -31.0392% | 4,943 |
| Efficiency ratio | 135.1076% | 81 |
| Assets per employee ($millions) | 2.7843% | 5,949 |
| Cash dividends to net income (ytd only)* | -13.1268% | 6,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 2,826 |
| Loan loss allowance to noncurrent loans | 127.6339% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.9941% | 2,763 |
| Noncurrent loans to loans | 1.1157% | 2,605 |
| Net loans and leases to total assets | 59.2675% | 3,885 |
| Net loans and leases to deposits | 70.5849% | 3,833 |
| Net loans and leases to core deposits | 76.2097% | 3,686 |
| Total domestic deposits to total assets | 83.9663% | 3,729 |
| Equity capital to assets | 7.4706% | 6,240 |
| Core capital (leverage) ratio | 7.7676% | 6,108 |
| Tier 1 risk-based capital ratio | 11.2064% | 5,813 |
| Total risk-based capital ratio | 12.4564% | 5,745 |
| Memoranda: | ||
| Average total assets | $86,654,800 | 4,913 |
| Average earning assets | $76,974,200 | 4,957 |
| Average equity | $7,653,600 | 5,284 |
| Average total loans | $52,452,800 | 4,747 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6949% | 229 |
| Cost of funding earning assets | 0.5685% | 2,119 |
| Net interest margin | 5.1264% | 234 |
| Noninterest income to average assets | 0.7055% | 2,300 |
| Noninterest expense to average assets | 4.2317% | 595 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9771% | 2,555 |
| Return on assets (ROA) | 1.1144% | 2,039 |
| Pretax return on assets | 1.1805% | 2,857 |
| Return on Equity (ROE) | 12.1514% | 1,437 |
| Retained earnings to average equity (ytd only) | 10.0899% | 685 |
| Net charge-offs to loans | 0.1166% | 2,637 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 14.6308% | 2,128 |
| Efficiency ratio | 80.3561% | 1,863 |
| Assets per employee ($millions) | 2.8708% | 5,888 |
| Cash dividends to net income (ytd only)* | 16.9660% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4281% | 3,041 |
| Loan loss allowance to noncurrent loans | 185.7855% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.8569% | 3,274 |
| Noncurrent loans to loans | 0.7687% | 3,666 |
| Net loans and leases to total assets | 59.7074% | 3,838 |
| Net loans and leases to deposits | 72.2629% | 3,661 |
| Net loans and leases to core deposits | 76.9656% | 3,644 |
| Total domestic deposits to total assets | 82.6253% | 4,260 |
| Equity capital to assets | 9.9611% | 4,212 |
| Core capital (leverage) ratio | 10.1247% | 3,500 |
| Tier 1 risk-based capital ratio | 14.8498% | 3,682 |
| Total risk-based capital ratio | 16.1000% | 3,614 |
| Memoranda: | ||
| Average total assets | $86,740,500 | 4,964 |
| Average earning assets | $77,166,500 | 4,998 |
| Average equity | $7,955,000 | 5,252 |
| Average total loans | $52,592,500 | 4,776 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5817% | 269 |
| Cost of funding earning assets | 0.5897% | 1,981 |
| Net interest margin | 4.9920% | 286 |
| Noninterest income to average assets | 0.7085% | 2,240 |
| Noninterest expense to average assets | 4.2118% | 587 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9003% | 2,801 |
| Return on assets (ROA) | 0.9224% | 2,794 |
| Pretax return on assets | 0.9592% | 3,647 |
| Return on Equity (ROE) | 10.3524% | 1,993 |
| Retained earnings to average equity (ytd only) | 8.5969% | 1,116 |
| Net charge-offs to loans | 0.0683% | 3,024 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 22.6111% | 1,505 |
| Efficiency ratio | 81.8141% | 1,763 |
| Assets per employee ($millions) | 2.8106% | 6,014 |
| Cash dividends to net income (ytd only)* | 16.9576% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4395% | 3,149 |
| Loan loss allowance to noncurrent loans | 165.1111% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.7472% | 3,724 |
| Noncurrent loans to loans | 0.8719% | 3,520 |
| Net loans and leases to total assets | 58.3865% | 3,936 |
| Net loans and leases to deposits | 70.2270% | 3,800 |
| Net loans and leases to core deposits | 73.6279% | 3,876 |
| Total domestic deposits to total assets | 83.1397% | 4,250 |
| Equity capital to assets | 9.4792% | 4,769 |
| Core capital (leverage) ratio | 9.7509% | 3,962 |
| Tier 1 risk-based capital ratio | 14.4081% | 3,987 |
| Total risk-based capital ratio | 15.6590% | 3,924 |
| Memoranda: | ||
| Average total assets | $86,945,670 | 5,000 |
| Average earning assets | $77,324,330 | 5,036 |
| Average equity | $7,747,000 | 5,328 |
| Average total loans | $52,734,000 | 4,802 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6211% | 250 |
| Cost of funding earning assets | 0.6488% | 1,588 |
| Net interest margin | 4.9723% | 287 |
| Noninterest income to average assets | 0.7184% | 2,090 |
| Noninterest expense to average assets | 4.2738% | 562 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8290% | 3,009 |
| Return on assets (ROA) | 0.8290% | 3,080 |
| Pretax return on assets | 0.8566% | 3,875 |
| Return on Equity (ROE) | 9.6115% | 2,197 |
| Retained earnings to average equity (ytd only) | 8.9174% | 1,271 |
| Net charge-offs to loans | 0.0375% | 2,860 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 37.2000% | 922 |
| Efficiency ratio | 83.3034% | 1,756 |
| Assets per employee ($millions) | 2.8048% | 6,094 |
| Cash dividends to net income (ytd only)* | 7.2222% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4309% | 3,457 |
| Loan loss allowance to noncurrent loans | 390.1554% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.5831% | 4,397 |
| Noncurrent loans to loans | 0.3668% | 5,024 |
| Net loans and leases to total assets | 59.6557% | 3,612 |
| Net loans and leases to deposits | 71.3539% | 3,423 |
| Net loans and leases to core deposits | 74.5280% | 3,585 |
| Total domestic deposits to total assets | 83.6053% | 4,418 |
| Equity capital to assets | 8.9466% | 5,170 |
| Core capital (leverage) ratio | 9.5789% | 4,165 |
| Tier 1 risk-based capital ratio | 13.8769% | 4,413 |
| Total risk-based capital ratio | 15.1276% | 4,364 |
| Memoranda: | ||
| Average total assets | $86,854,500 | 5,049 |
| Average earning assets | $77,066,500 | 5,090 |
| Average equity | $7,491,000 | 5,423 |
| Average total loans | $53,294,000 | 4,815 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7397% | 254 |
| Cost of funding earning assets | 0.6561% | 2,159 |
| Net interest margin | 5.0835% | 268 |
| Noninterest income to average assets | 0.7177% | 2,446 |
| Noninterest expense to average assets | 3.7616% | 1,200 |
| Loan and lease loss provision to assets | 0.1462% | 2,468 |
| Net operating income to assets | 1.0968% | 1,948 |
| Return on assets (ROA) | 1.0968% | 2,013 |
| Pretax return on assets | 1.1676% | 2,697 |
| Return on Equity (ROE) | 13.8169% | 991 |
| Retained earnings to average equity (ytd only) | 13.0374% | 243 |
| Net charge-offs to loans | -0.0037% | 5,898 |
| Credit loss provision to net charge-offs | -6,500.0000% | 6,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1135% | 3,113 |
| Assets per employee ($millions) | 2.7987% | 6,113 |
| Cash dividends to net income (ytd only)* | 5.6410% | 4,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4954% | 3,216 |
| Loan loss allowance to noncurrent loans | 507.5472% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.5452% | 4,595 |
| Noncurrent loans to loans | 0.2946% | 5,299 |
| Net loans and leases to total assets | 61.2702% | 3,487 |
| Net loans and leases to deposits | 73.2264% | 3,369 |
| Net loans and leases to core deposits | 76.4863% | 3,557 |
| Total domestic deposits to total assets | 83.6722% | 4,289 |
| Equity capital to assets | 8.3022% | 5,777 |
| Core capital (leverage) ratio | 9.1677% | 4,761 |
| Tier 1 risk-based capital ratio | 13.3522% | 4,744 |
| Total risk-based capital ratio | 14.6042% | 4,689 |
| Memoranda: | ||
| Average total assets | $88,898,600 | 5,002 |
| Average earning assets | $76,206,600 | 5,147 |
| Average equity | $7,056,600 | 5,550 |
| Average total loans | $53,829,600 | 4,816 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9997% | 180 |
| Cost of funding earning assets | 0.6705% | 2,172 |
| Net interest margin | 5.3291% | 184 |
| Noninterest income to average assets | 0.7171% | 2,526 |
| Noninterest expense to average assets | 3.7509% | 1,163 |
| Loan and lease loss provision to assets | 0.1789% | 2,034 |
| Net operating income to assets | 1.2717% | 1,425 |
| Return on assets (ROA) | 1.2717% | 1,498 |
| Pretax return on assets | 1.3134% | 2,287 |
| Return on Equity (ROE) | 16.2009% | 626 |
| Retained earnings to average equity (ytd only) | 15.6882% | 168 |
| Net charge-offs to loans | -0.0025% | 5,702 |
| Credit loss provision to net charge-offs | -12,000.0000% | 6,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5382% | 3,500 |
| Assets per employee ($millions) | 3.0112% | 5,827 |
| Cash dividends to net income (ytd only)* | 3.1654% | 3,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4395% | 3,739 |
| Loan loss allowance to noncurrent loans | 423.4043% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.5900% | 4,675 |
| Noncurrent loans to loans | 0.3400% | 5,370 |
| Net loans and leases to total assets | 60.3319% | 3,645 |
| Net loans and leases to deposits | 71.8730% | 3,529 |
| Net loans and leases to core deposits | 79.2918% | 3,200 |
| Total domestic deposits to total assets | 83.9423% | 4,211 |
| Equity capital to assets | 7.3392% | 6,446 |
| Core capital (leverage) ratio | 8.9928% | 5,140 |
| Tier 1 risk-based capital ratio | 12.6108% | 5,381 |
| Total risk-based capital ratio | 13.8665% | 5,324 |
| Memoranda: | ||
| Average total assets | $89,433,250 | 5,044 |
| Average earning assets | $75,958,000 | 5,201 |
| Average equity | $7,020,000 | 5,628 |
| Average total loans | $53,795,750 | 4,862 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8738% | 218 |
| Cost of funding earning assets | 0.6724% | 2,285 |
| Net interest margin | 5.2014% | 206 |
| Noninterest income to average assets | 0.7876% | 2,250 |
| Noninterest expense to average assets | 3.7405% | 1,183 |
| Loan and lease loss provision to assets | 0.2019% | 1,877 |
| Net operating income to assets | 1.1892% | 1,617 |
| Return on assets (ROA) | 1.1892% | 1,727 |
| Pretax return on assets | 1.2364% | 2,537 |
| Return on Equity (ROE) | 14.8252% | 839 |
| Retained earnings to average equity (ytd only) | 14.8252% | 247 |
| Net charge-offs to loans | -0.0038% | 5,589 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2270% | 3,432 |
| Assets per employee ($millions) | 2.8818% | 6,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4367% | 3,861 |
| Loan loss allowance to noncurrent loans | 265.9722% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 1.0007% | 3,755 |
| Noncurrent loans to loans | 0.5402% | 4,903 |
| Net loans and leases to total assets | 58.8245% | 3,852 |
| Net loans and leases to deposits | 70.4063% | 3,665 |
| Net loans and leases to core deposits | 76.7743% | 3,459 |
| Total domestic deposits to total assets | 83.5499% | 4,493 |
| Equity capital to assets | 7.6251% | 6,401 |
| Core capital (leverage) ratio | 8.8418% | 5,229 |
| Tier 1 risk-based capital ratio | 12.6281% | 5,412 |
| Total risk-based capital ratio | 13.8817% | 5,348 |
| Memoranda: | ||
| Average total assets | $89,132,000 | 5,076 |
| Average earning assets | $75,249,000 | 5,245 |
| Average equity | $7,150,000 | 5,647 |
| Average total loans | $53,295,000 | 4,903 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8338% | 222 |
| Cost of funding earning assets | 0.7165% | 2,083 |
| Net interest margin | 5.1173% | 228 |
| Noninterest income to average assets | 0.8716% | 1,861 |
| Noninterest expense to average assets | 3.7336% | 1,199 |
| Loan and lease loss provision to assets | 0.2246% | 1,637 |
| Net operating income to assets | 1.1726% | 1,603 |
| Return on assets (ROA) | 1.1726% | 1,714 |
| Pretax return on assets | 1.2131% | 2,528 |
| Return on Equity (ROE) | 14.2642% | 911 |
| Retained earnings to average equity (ytd only) | 14.2642% | 424 |
| Net charge-offs to loans | 0.0375% | 3,502 |
| Credit loss provision to net charge-offs | 1,000.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 556 |
| Efficiency ratio | 72.1981% | 3,574 |
| Assets per employee ($millions) | 2.8810% | 6,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 4,470 |
| Loan loss allowance to noncurrent loans | 935.0649% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.6953% | 4,637 |
| Noncurrent loans to loans | 0.1443% | 6,040 |
| Net loans and leases to total assets | 58.9244% | 3,622 |
| Net loans and leases to deposits | 70.5386% | 3,386 |
| Net loans and leases to core deposits | 73.1781% | 3,685 |
| Total domestic deposits to total assets | 83.5351% | 4,655 |
| Equity capital to assets | 8.3092% | 6,183 |
| Core capital (leverage) ratio | 8.3813% | 5,736 |
| Tier 1 risk-based capital ratio | 12.3115% | 5,712 |
| Total risk-based capital ratio | 13.4945% | 5,718 |
| Memoranda: | ||
| Average total assets | $89,029,500 | 5,125 |
| Average earning assets | $74,805,000 | 5,299 |
| Average equity | $7,319,000 | 5,658 |
| Average total loans | $53,283,500 | 4,941 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9445% | 290 |
| Cost of funding earning assets | 0.8169% | 2,527 |
| Net interest margin | 5.1275% | 310 |
| Noninterest income to average assets | 0.7471% | 2,514 |
| Noninterest expense to average assets | 4.5253% | 563 |
| Loan and lease loss provision to assets | 0.4887% | 1,242 |
| Net operating income to assets | 0.5606% | 4,427 |
| Return on assets (ROA) | 1.0594% | 2,280 |
| Pretax return on assets | 0.5404% | 5,162 |
| Return on Equity (ROE) | 14.4921% | 902 |
| Retained earnings to average equity (ytd only) | 14.2769% | 192 |
| Net charge-offs to loans | 0.8404% | 1,376 |
| Credit loss provision to net charge-offs | 96.2389% | 3,222 |
| Earnings coverage of net charge-offs (x) | 1.0442% | 4,948 |
| Efficiency ratio | 89.5111% | 1,110 |
| Assets per employee ($millions) | 2.8628% | 6,221 |
| Cash dividends to net income (ytd only)* | 1.4846% | 4,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 4,788 |
| Loan loss allowance to noncurrent loans | 496.3235% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.7820% | 4,502 |
| Noncurrent loans to loans | 0.2555% | 5,839 |
| Net loans and leases to total assets | 59.2081% | 3,750 |
| Net loans and leases to deposits | 70.7957% | 3,591 |
| Net loans and leases to core deposits | 73.4580% | 3,855 |
| Total domestic deposits to total assets | 83.6323% | 4,482 |
| Equity capital to assets | 8.1320% | 6,337 |
| Core capital (leverage) ratio | 8.2253% | 5,969 |
| Tier 1 risk-based capital ratio | 11.8491% | 5,875 |
| Total risk-based capital ratio | 12.9565% | 5,921 |
| Memoranda: | ||
| Average total assets | $89,010,200 | 5,113 |
| Average earning assets | $74,792,400 | 5,286 |
| Average equity | $6,507,000 | 5,890 |
| Average total loans | $53,782,400 | 4,949 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9250% | 319 |
| Cost of funding earning assets | 0.8441% | 2,596 |
| Net interest margin | 5.0808% | 352 |
| Noninterest income to average assets | 0.7574% | 2,440 |
| Noninterest expense to average assets | 4.3153% | 652 |
| Loan and lease loss provision to assets | 0.4865% | 1,271 |
| Net operating income to assets | 0.2373% | 5,814 |
| Return on assets (ROA) | 0.7948% | 3,715 |
| Pretax return on assets | 0.8188% | 4,417 |
| Return on Equity (ROE) | 11.1854% | 1,893 |
| Retained earnings to average equity (ytd only) | 10.8906% | 702 |
| Net charge-offs to loans | 0.7542% | 1,467 |
| Credit loss provision to net charge-offs | 106.5574% | 2,757 |
| Earnings coverage of net charge-offs (x) | 1.6000% | 4,482 |
| Efficiency ratio | 85.5236% | 1,428 |
| Assets per employee ($millions) | 2.8553% | 6,285 |
| Cash dividends to net income (ytd only)* | 2.6371% | 3,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 4,712 |
| Loan loss allowance to noncurrent loans | 196.1433% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.8055% | 4,692 |
| Noncurrent loans to loans | 0.6746% | 5,095 |
| Net loans and leases to total assets | 59.9842% | 3,789 |
| Net loans and leases to deposits | 70.9703% | 3,760 |
| Net loans and leases to core deposits | 73.6163% | 4,025 |
| Total domestic deposits to total assets | 84.5201% | 3,969 |
| Equity capital to assets | 7.5309% | 6,770 |
| Core capital (leverage) ratio | 8.1067% | 6,222 |
| Tier 1 risk-based capital ratio | 11.6799% | 6,130 |
| Total risk-based capital ratio | 12.8439% | 6,149 |
| Memoranda: | ||
| Average total assets | $89,075,750 | 5,171 |
| Average earning assets | $75,182,500 | 5,321 |
| Average equity | $6,329,500 | 6,001 |
| Average total loans | $53,922,750 | 4,999 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0255% | 285 |
| Cost of funding earning assets | 0.9009% | 2,389 |
| Net interest margin | 5.1246% | 327 |
| Noninterest income to average assets | 0.7394% | 2,474 |
| Noninterest expense to average assets | 3.9815% | 963 |
| Loan and lease loss provision to assets | 0.6498% | 872 |
| Net operating income to assets | 0.3907% | 5,244 |
| Return on assets (ROA) | 1.2166% | 1,850 |
| Pretax return on assets | 1.2637% | 2,675 |
| Return on Equity (ROE) | 17.4673% | 578 |
| Retained earnings to average equity (ytd only) | 17.0170% | 180 |
| Net charge-offs to loans | 1.0378% | 1,058 |
| Credit loss provision to net charge-offs | 103.5714% | 2,630 |
| Earnings coverage of net charge-offs (x) | 1.6786% | 4,149 |
| Efficiency ratio | 79.0832% | 2,310 |
| Assets per employee ($millions) | 2.8651% | 6,292 |
| Cash dividends to net income (ytd only)* | 2.5783% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 4,855 |
| Loan loss allowance to noncurrent loans | 788.7640% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.4549% | 5,646 |
| Noncurrent loans to loans | 0.1659% | 6,251 |
| Net loans and leases to total assets | 59.6264% | 3,892 |
| Net loans and leases to deposits | 70.0961% | 3,880 |
| Net loans and leases to core deposits | 72.6810% | 4,215 |
| Total domestic deposits to total assets | 85.0638% | 3,826 |
| Equity capital to assets | 7.3960% | 6,821 |
| Core capital (leverage) ratio | 8.1245% | 6,131 |
| Tier 1 risk-based capital ratio | 11.8080% | 6,052 |
| Total risk-based capital ratio | 12.9664% | 6,084 |
| Memoranda: | ||
| Average total assets | $89,262,670 | 5,188 |
| Average earning assets | $74,815,330 | 5,366 |
| Average equity | $6,217,330 | 6,058 |
| Average total loans | $53,961,330 | 5,032 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1291% | 254 |
| Cost of funding earning assets | 0.9672% | 2,181 |
| Net interest margin | 5.1619% | 313 |
| Noninterest income to average assets | 0.6973% | 2,674 |
| Noninterest expense to average assets | 3.8800% | 1,089 |
| Loan and lease loss provision to assets | 1.0281% | 397 |
| Net operating income to assets | 0.1034% | 6,233 |
| Return on assets (ROA) | 1.1354% | 2,124 |
| Pretax return on assets | 1.1711% | 3,023 |
| Return on Equity (ROE) | 16.8170% | 698 |
| Retained earnings to average equity (ytd only) | 15.8901% | 374 |
| Net charge-offs to loans | 0.0665% | 3,824 |
| Credit loss provision to net charge-offs | 2,555.5556% | 119 |
| Earnings coverage of net charge-offs (x) | 28.2222% | 970 |
| Efficiency ratio | 77.3619% | 2,593 |
| Assets per employee ($millions) | 2.9586% | 6,240 |
| Cash dividends to net income (ytd only)* | 5.5118% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6745% | 3,448 |
| Loan loss allowance to noncurrent loans | 15,216.6667% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.2693% | 6,216 |
| Noncurrent loans to loans | 0.0110% | 6,762 |
| Net loans and leases to total assets | 60.4002% | 3,574 |
| Net loans and leases to deposits | 70.6036% | 3,639 |
| Net loans and leases to core deposits | 73.1927% | 3,993 |
| Total domestic deposits to total assets | 85.5483% | 3,767 |
| Equity capital to assets | 6.8152% | 6,965 |
| Core capital (leverage) ratio | 7.6611% | 6,521 |
| Tier 1 risk-based capital ratio | 11.1340% | 6,478 |
| Total risk-based capital ratio | 12.3875% | 6,464 |
| Memoranda: | ||
| Average total assets | $89,485,000 | 5,226 |
| Average earning assets | $74,856,000 | 5,409 |
| Average equity | $6,041,500 | 6,137 |
| Average total loans | $54,111,500 | 5,065 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0398% | 405 |
| Cost of funding earning assets | 2.0486% | 79 |
| Net interest margin | 3.9912% | 2,927 |
| Noninterest income to average assets | 0.8084% | 2,014 |
| Noninterest expense to average assets | 4.6004% | 529 |
| Loan and lease loss provision to assets | 1.9559% | 313 |
| Net operating income to assets | -2.5280% | 7,119 |
| Return on assets (ROA) | -1.7728% | 6,997 |
| Pretax return on assets | -1.5433% | 6,910 |
| Return on Equity (ROE) | -23.4653% | 7,029 |
| Retained earnings to average equity (ytd only) | -23.8245% | 7,025 |
| Net charge-offs to loans | 3.2508% | 263 |
| Credit loss provision to net charge-offs | 99.3111% | 3,600 |
| Earnings coverage of net charge-offs (x) | -0.1739% | 5,938 |
| Efficiency ratio | 108.0457% | 473 |
| Assets per employee ($millions) | 3.0071% | 6,067 |
| Cash dividends to net income (ytd only)* | -1.5306% | 7,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2886% | 4,966 |
| Loan loss allowance to noncurrent loans | 308.9286% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.5465% | 5,605 |
| Noncurrent loans to loans | 0.4171% | 5,882 |
| Net loans and leases to total assets | 58.7594% | 4,235 |
| Net loans and leases to deposits | 68.3815% | 4,384 |
| Net loans and leases to core deposits | 70.8360% | 4,665 |
| Total domestic deposits to total assets | 85.9287% | 3,361 |
| Equity capital to assets | 6.6887% | 7,024 |
| Core capital (leverage) ratio | 7.3558% | 6,719 |
| Tier 1 risk-based capital ratio | 11.1347% | 6,383 |
| Total risk-based capital ratio | 12.2984% | 6,412 |
| Memoranda: | ||
| Average total assets | $88,448,800 | 5,225 |
| Average earning assets | $76,442,800 | 5,327 |
| Average equity | $6,682,200 | 5,961 |
| Average total loans | $53,587,200 | 5,128 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0872% | 401 |
| Cost of funding earning assets | 2.0854% | 84 |
| Net interest margin | 4.0017% | 2,906 |
| Noninterest income to average assets | 0.7923% | 2,093 |
| Noninterest expense to average assets | 3.9253% | 1,113 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3454% | 5,225 |
| Return on assets (ROA) | 0.3939% | 5,210 |
| Pretax return on assets | 0.3924% | 5,496 |
| Return on Equity (ROE) | 5.0650% | 4,506 |
| Retained earnings to average equity (ytd only) | 4.5974% | 3,450 |
| Net charge-offs to loans | -0.9908% | 7,383 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9446% | 1,034 |
| Assets per employee ($millions) | 2.9561% | 6,219 |
| Cash dividends to net income (ytd only)* | 9.2309% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0141% | 2,294 |
| Loan loss allowance to noncurrent loans | 2,900.0000% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.3154% | 6,283 |
| Noncurrent loans to loans | 0.0695% | 6,754 |
| Net loans and leases to total assets | 58.5041% | 4,414 |
| Net loans and leases to deposits | 69.3163% | 4,415 |
| Net loans and leases to core deposits | 71.7601% | 4,744 |
| Total domestic deposits to total assets | 84.4017% | 4,052 |
| Equity capital to assets | 8.7213% | 6,060 |
| Core capital (leverage) ratio | 9.3966% | 4,309 |
| Tier 1 risk-based capital ratio | 13.7109% | 4,566 |
| Total risk-based capital ratio | 14.9676% | 4,528 |
| Memoranda: | ||
| Average total assets | $88,008,000 | 5,271 |
| Average earning assets | $76,465,000 | 5,366 |
| Average equity | $6,844,250 | 5,946 |
| Average total loans | $53,559,000 | 5,180 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0859% | 402 |
| Cost of funding earning assets | 2.1220% | 95 |
| Net interest margin | 3.9639% | 3,018 |
| Noninterest income to average assets | 0.7673% | 2,168 |
| Noninterest expense to average assets | 3.9494% | 1,118 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2788% | 5,457 |
| Return on assets (ROA) | 0.3157% | 5,445 |
| Pretax return on assets | 0.3111% | 5,644 |
| Return on Equity (ROE) | 4.2404% | 4,817 |
| Retained earnings to average equity (ytd only) | 3.8999% | 3,712 |
| Net charge-offs to loans | -1.4932% | 7,458 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5079% | 1,011 |
| Assets per employee ($millions) | 2.8537% | 6,379 |
| Cash dividends to net income (ytd only)* | 8.0292% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0197% | 2,314 |
| Loan loss allowance to noncurrent loans | 6,116.6667% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.3041% | 6,371 |
| Noncurrent loans to loans | 0.0330% | 6,900 |
| Net loans and leases to total assets | 60.3776% | 4,203 |
| Net loans and leases to deposits | 71.8786% | 4,132 |
| Net loans and leases to core deposits | 74.4608% | 4,517 |
| Total domestic deposits to total assets | 83.9993% | 4,352 |
| Equity capital to assets | 8.0416% | 6,652 |
| Core capital (leverage) ratio | 9.5198% | 3,928 |
| Tier 1 risk-based capital ratio | 13.5774% | 4,472 |
| Total risk-based capital ratio | 14.8351% | 4,446 |
| Memoranda: | ||
| Average total assets | $86,798,000 | 5,347 |
| Average earning assets | $75,683,670 | 5,445 |
| Average equity | $6,461,670 | 6,096 |
| Average total loans | $53,174,000 | 5,240 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1267% | 380 |
| Cost of funding earning assets | 2.1919% | 91 |
| Net interest margin | 3.9348% | 2,978 |
| Noninterest income to average assets | 0.7678% | 2,172 |
| Noninterest expense to average assets | 3.8528% | 1,241 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3443% | 5,200 |
| Return on assets (ROA) | 0.3118% | 5,421 |
| Pretax return on assets | 0.3071% | 5,635 |
| Return on Equity (ROE) | 4.3680% | 4,716 |
| Retained earnings to average equity (ytd only) | 4.3680% | 3,547 |
| Net charge-offs to loans | -3.0245% | 7,523 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8979% | 1,172 |
| Assets per employee ($millions) | 2.8342% | 6,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1011% | 2,185 |
| Loan loss allowance to noncurrent loans | 2,975.6757% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.3278% | 6,378 |
| Noncurrent loans to loans | 0.0706% | 6,860 |
| Net loans and leases to total assets | 58.3883% | 4,578 |
| Net loans and leases to deposits | 69.1477% | 4,506 |
| Net loans and leases to core deposits | 71.6340% | 4,833 |
| Total domestic deposits to total assets | 84.4400% | 4,301 |
| Equity capital to assets | 7.0977% | 7,053 |
| Core capital (leverage) ratio | 9.5361% | 3,751 |
| Tier 1 risk-based capital ratio | 13.6424% | 4,333 |
| Total risk-based capital ratio | 14.9003% | 4,296 |
| Memoranda: | ||
| Average total assets | $85,964,500 | 5,408 |
| Average earning assets | $74,820,000 | 5,516 |
| Average equity | $6,135,500 | 6,198 |
| Average total loans | $52,504,000 | 5,309 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7411% | 1,435 |
| Cost of funding earning assets | 2.3978% | 153 |
| Net interest margin | 3.3433% | 5,821 |
| Noninterest income to average assets | 0.8063% | 2,251 |
| Noninterest expense to average assets | 4.3465% | 767 |
| Loan and lease loss provision to assets | 1.1401% | 1,399 |
| Net operating income to assets | -1.7419% | 6,981 |
| Return on assets (ROA) | -1.5515% | 6,948 |
| Pretax return on assets | -1.5515% | 6,874 |
| Return on Equity (ROE) | -16.5842% | 6,965 |
| Retained earnings to average equity (ytd only) | -16.5842% | 6,933 |
| Net charge-offs to loans | 1.7369% | 1,242 |
| Credit loss provision to net charge-offs | 110.2273% | 3,993 |
| Earnings coverage of net charge-offs (x) | -0.5818% | 6,494 |
| Efficiency ratio | 116.0703% | 452 |
| Assets per employee ($millions) | 2.7119% | 6,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3382% | 4,807 |
| Loan loss allowance to noncurrent loans | 690.1961% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.4734% | 6,097 |
| Noncurrent loans to loans | 0.1939% | 6,683 |
| Net loans and leases to total assets | 61.7386% | 4,337 |
| Net loans and leases to deposits | 73.1925% | 4,333 |
| Net loans and leases to core deposits | 74.1196% | 4,967 |
| Total domestic deposits to total assets | 84.3509% | 4,201 |
| Equity capital to assets | 7.1786% | 7,044 |
| Core capital (leverage) ratio | 9.6645% | 3,469 |
| Tier 1 risk-based capital ratio | 13.9284% | 3,911 |
| Total risk-based capital ratio | 15.1214% | 3,936 |
| Memoranda: | ||
| Average total assets | $85,080,200 | 5,435 |
| Average earning assets | $74,777,000 | 5,517 |
| Average equity | $7,959,400 | 5,724 |
| Average total loans | $50,665,400 | 5,458 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8549% | 1,243 |
| Cost of funding earning assets | 2.4259% | 184 |
| Net interest margin | 3.4290% | 5,574 |
| Noninterest income to average assets | 0.8015% | 2,228 |
| Noninterest expense to average assets | 4.0046% | 1,037 |
| Loan and lease loss provision to assets | 1.1250% | 1,289 |
| Net operating income to assets | -1.2897% | 7,025 |
| Return on assets (ROA) | -1.0922% | 6,978 |
| Pretax return on assets | -1.1140% | 6,901 |
| Return on Equity (ROE) | -11.0418% | 6,970 |
| Retained earnings to average equity (ytd only) | -11.0418% | 6,927 |
| Net charge-offs to loans | 2.3010% | 776 |
| Credit loss provision to net charge-offs | 83.1409% | 5,034 |
| Earnings coverage of net charge-offs (x) | -0.1409% | 6,139 |
| Efficiency ratio | 104.9980% | 613 |
| Assets per employee ($millions) | 2.8938% | 6,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9162% | 6,687 |
| Loan loss allowance to noncurrent loans | 2,925.0000% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.3718% | 6,476 |
| Noncurrent loans to loans | 0.0313% | 7,171 |
| Net loans and leases to total assets | 60.3134% | 4,848 |
| Net loans and leases to deposits | 73.3966% | 4,617 |
| Net loans and leases to core deposits | 74.3518% | 5,251 |
| Total domestic deposits to total assets | 82.1747% | 4,924 |
| Equity capital to assets | 9.7796% | 4,442 |
| Core capital (leverage) ratio | 10.4253% | 2,775 |
| Tier 1 risk-based capital ratio | 15.4784% | 3,009 |
| Total risk-based capital ratio | 16.2978% | 3,219 |
| Memoranda: | ||
| Average total assets | $85,333,000 | 5,492 |
| Average earning assets | $74,967,000 | 5,574 |
| Average equity | $8,440,500 | 5,644 |
| Average total loans | $50,180,000 | 5,562 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7670% | 1,515 |
| Cost of funding earning assets | 2.4527% | 203 |
| Net interest margin | 3.3143% | 5,964 |
| Noninterest income to average assets | 0.7902% | 2,171 |
| Noninterest expense to average assets | 3.5872% | 1,811 |
| Loan and lease loss provision to assets | 0.1399% | 5,498 |
| Net operating income to assets | 0.0047% | 6,077 |
| Return on assets (ROA) | 0.1399% | 5,865 |
| Pretax return on assets | 0.1212% | 5,937 |
| Return on Equity (ROE) | 1.4087% | 5,830 |
| Retained earnings to average equity (ytd only) | 1.4087% | 5,174 |
| Net charge-offs to loans | 0.0160% | 6,115 |
| Credit loss provision to net charge-offs | 1,500.0000% | 263 |
| Earnings coverage of net charge-offs (x) | 13.5000% | 1,584 |
| Efficiency ratio | 96.6102% | 936 |
| Assets per employee ($millions) | 2.8981% | 6,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3263% | 4,780 |
| Loan loss allowance to noncurrent loans | 79.0094% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 1.5337% | 4,160 |
| Noncurrent loans to loans | 1.6787% | 4,173 |
| Net loans and leases to total assets | 59.3068% | 5,192 |
| Net loans and leases to deposits | 72.9027% | 4,849 |
| Net loans and leases to core deposits | 73.8598% | 5,462 |
| Total domestic deposits to total assets | 81.3507% | 5,269 |
| Equity capital to assets | 10.9012% | 2,964 |
| Core capital (leverage) ratio | 11.2278% | 2,081 |
| Tier 1 risk-based capital ratio | 17.0285% | 2,270 |
| Total risk-based capital ratio | 18.2170% | 2,245 |
| Memoranda: | ||
| Average total assets | $85,804,000 | 5,510 |
| Average earning assets | $75,671,670 | 5,590 |
| Average equity | $8,518,330 | 5,629 |
| Average total loans | $49,879,000 | 5,610 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7021% | 1,773 |
| Cost of funding earning assets | 2.6086% | 160 |
| Net interest margin | 3.0934% | 6,606 |
| Noninterest income to average assets | 0.8352% | 1,865 |
| Noninterest expense to average assets | 3.4378% | 2,134 |
| Loan and lease loss provision to assets | 0.1384% | 5,171 |
| Net operating income to assets | -0.0185% | 6,334 |
| Return on assets (ROA) | 0.0877% | 6,157 |
| Pretax return on assets | 0.0738% | 6,203 |
| Return on Equity (ROE) | 0.9272% | 6,135 |
| Retained earnings to average equity (ytd only) | 0.9272% | 5,446 |
| Net charge-offs to loans | -0.0161% | 7,018 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0052% | 966 |
| Assets per employee ($millions) | 3.0265% | 6,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 4,949 |
| Loan loss allowance to noncurrent loans | 71.3812% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.6497% | 4,004 |
| Noncurrent loans to loans | 1.8188% | 4,034 |
| Net loans and leases to total assets | 57.9529% | 5,445 |
| Net loans and leases to deposits | 70.1746% | 5,319 |
| Net loans and leases to core deposits | 70.4272% | 5,879 |
| Total domestic deposits to total assets | 82.5838% | 4,811 |
| Equity capital to assets | 9.9406% | 3,938 |
| Core capital (leverage) ratio | 10.8492% | 2,337 |
| Tier 1 risk-based capital ratio | 16.9666% | 2,281 |
| Total risk-based capital ratio | 18.1132% | 2,272 |
| Memoranda: | ||
| Average total assets | $86,683,000 | 5,555 |
| Average earning assets | $75,902,500 | 5,639 |
| Average equity | $8,196,500 | 5,772 |
| Average total loans | $49,561,000 | 5,689 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6889% | 3,161 |
| Cost of funding earning assets | 2.5858% | 814 |
| Net interest margin | 3.1032% | 6,355 |
| Noninterest income to average assets | 0.7026% | 2,952 |
| Noninterest expense to average assets | 3.7481% | 1,802 |
| Loan and lease loss provision to assets | 2.5677% | 764 |
| Net operating income to assets | -2.6195% | 7,301 |
| Return on assets (ROA) | -2.4156% | 7,245 |
| Pretax return on assets | -2.6091% | 7,178 |
| Return on Equity (ROE) | -23.0726% | 7,233 |
| Retained earnings to average equity (ytd only) | -26.4924% | 7,301 |
| Net charge-offs to loans | 4.5338% | 324 |
| Credit loss provision to net charge-offs | 95.1098% | 5,812 |
| Earnings coverage of net charge-offs (x) | -0.0966% | 6,330 |
| Efficiency ratio | 107.4751% | 855 |
| Assets per employee ($millions) | 3.1651% | 5,810 |
| Cash dividends to net income (ytd only)* | -14.8217% | 7,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 5,106 |
| Loan loss allowance to noncurrent loans | 3,411.1111% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.8316% | 5,438 |
| Noncurrent loans to loans | 0.0365% | 7,340 |
| Net loans and leases to total assets | 55.0094% | 6,081 |
| Net loans and leases to deposits | 69.2889% | 5,689 |
| Net loans and leases to core deposits | 77.0450% | 6,334 |
| Total domestic deposits to total assets | 79.3914% | 5,878 |
| Equity capital to assets | 8.9920% | 5,160 |
| Core capital (leverage) ratio | 10.5043% | 2,603 |
| Tier 1 risk-based capital ratio | 16.7542% | 2,219 |
| Total risk-based capital ratio | 17.8325% | 2,230 |
| Memoranda: | ||
| Average total assets | $89,378,800 | 5,409 |
| Average earning assets | $80,208,200 | 5,453 |
| Average equity | $9,357,400 | 5,484 |
| Average total loans | $53,223,000 | 5,536 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6831% | 3,421 |
| Cost of funding earning assets | 2.5668% | 1,113 |
| Net interest margin | 3.1163% | 6,267 |
| Noninterest income to average assets | 0.6907% | 3,082 |
| Noninterest expense to average assets | 3.4774% | 2,337 |
| Loan and lease loss provision to assets | 0.5731% | 3,092 |
| Net operating income to assets | -0.5128% | 6,439 |
| Return on assets (ROA) | -0.2724% | 6,175 |
| Pretax return on assets | -0.2873% | 6,086 |
| Return on Equity (ROE) | -2.5142% | 6,166 |
| Retained earnings to average equity (ytd only) | -6.8970% | 6,497 |
| Net charge-offs to loans | 1.7076% | 1,184 |
| Credit loss provision to net charge-offs | 55.4755% | 6,237 |
| Earnings coverage of net charge-offs (x) | 0.0317% | 6,019 |
| Efficiency ratio | 99.0670% | 1,110 |
| Assets per employee ($millions) | 3.1713% | 5,721 |
| Cash dividends to net income (ytd only)* | -174.3186% | 8,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7875% | 7,161 |
| Loan loss allowance to noncurrent loans | 21.0343% | 7,039 |
| Noncurrent assets plus other real estate owned to assets | 2.7659% | 2,510 |
| Noncurrent loans to loans | 3.7440% | 1,990 |
| Net loans and leases to total assets | 60.0146% | 5,578 |
| Net loans and leases to deposits | 78.1608% | 4,720 |
| Net loans and leases to core deposits | 86.1740% | 5,851 |
| Total domestic deposits to total assets | 76.7836% | 6,398 |
| Equity capital to assets | 10.9680% | 3,043 |
| Core capital (leverage) ratio | 12.8423% | 1,433 |
| Tier 1 risk-based capital ratio | 19.2698% | 1,691 |
| Total risk-based capital ratio | 19.9776% | 1,769 |
| Memoranda: | ||
| Average total assets | $89,567,750 | 5,435 |
| Average earning assets | $81,033,000 | 5,453 |
| Average equity | $9,704,500 | 5,427 |
| Average total loans | $54,187,500 | 5,549 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6222% | 3,955 |
| Cost of funding earning assets | 2.5327% | 1,499 |
| Net interest margin | 3.0895% | 6,283 |
| Noninterest income to average assets | 0.6858% | 3,080 |
| Noninterest expense to average assets | 3.4690% | 2,430 |
| Loan and lease loss provision to assets | 0.7570% | 2,170 |
| Net operating income to assets | -0.7090% | 6,759 |
| Return on assets (ROA) | -0.5366% | 6,594 |
| Pretax return on assets | -0.5477% | 6,473 |
| Return on Equity (ROE) | -4.9727% | 6,604 |
| Retained earnings to average equity (ytd only) | -9.8628% | 6,860 |
| Net charge-offs to loans | 2.4547% | 714 |
| Credit loss provision to net charge-offs | 50.9745% | 5,750 |
| Earnings coverage of net charge-offs (x) | 0.0225% | 5,655 |
| Efficiency ratio | 99.0464% | 1,225 |
| Assets per employee ($millions) | 3.3105% | 5,289 |
| Cash dividends to net income (ytd only)* | -98.3402% | 8,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7652% | 7,261 |
| Loan loss allowance to noncurrent loans | 20.2096% | 7,119 |
| Noncurrent assets plus other real estate owned to assets | 2.6420% | 2,429 |
| Noncurrent loans to loans | 3.7865% | 1,811 |
| Net loans and leases to total assets | 56.6595% | 6,133 |
| Net loans and leases to deposits | 72.2888% | 5,696 |
| Net loans and leases to core deposits | 79.1333% | 6,478 |
| Total domestic deposits to total assets | 78.3794% | 5,979 |
| Equity capital to assets | 9.8852% | 4,098 |
| Core capital (leverage) ratio | 12.8111% | 1,500 |
| Tier 1 risk-based capital ratio | 19.2049% | 1,741 |
| Total risk-based capital ratio | 19.8789% | 1,809 |
| Memoranda: | ||
| Average total assets | $89,825,330 | 5,465 |
| Average earning assets | $81,889,670 | 5,472 |
| Average equity | $9,693,000 | 5,461 |
| Average total loans | $54,345,670 | 5,587 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8353% | 3,116 |
| Cost of funding earning assets | 2.5722% | 1,650 |
| Net interest margin | 3.2630% | 5,650 |
| Noninterest income to average assets | 0.6879% | 2,962 |
| Noninterest expense to average assets | 3.4800% | 2,156 |
| Loan and lease loss provision to assets | 0.0905% | 5,801 |
| Net operating income to assets | 0.1312% | 5,882 |
| Return on assets (ROA) | 0.3485% | 5,259 |
| Pretax return on assets | 0.3485% | 5,536 |
| Return on Equity (ROE) | 3.0930% | 5,333 |
| Retained earnings to average equity (ytd only) | 0.3615% | 5,512 |
| Net charge-offs to loans | 0.0363% | 5,002 |
| Credit loss provision to net charge-offs | 400.0000% | 1,293 |
| Earnings coverage of net charge-offs (x) | 9.8000% | 2,018 |
| Efficiency ratio | 94.0098% | 1,432 |
| Assets per employee ($millions) | 3.2699% | 5,402 |
| Cash dividends to net income (ytd only)* | 88.3117% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3708% | 3,670 |
| Loan loss allowance to noncurrent loans | 81.9978% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 1.2040% | 4,264 |
| Noncurrent loans to loans | 1.6718% | 3,759 |
| Net loans and leases to total assets | 60.8760% | 5,513 |
| Net loans and leases to deposits | 79.3788% | 4,710 |
| Net loans and leases to core deposits | 87.3221% | 5,804 |
| Total domestic deposits to total assets | 76.6905% | 6,364 |
| Equity capital to assets | 11.2940% | 2,725 |
| Core capital (leverage) ratio | 13.4797% | 1,325 |
| Tier 1 risk-based capital ratio | 20.2056% | 1,580 |
| Total risk-based capital ratio | 21.4602% | 1,535 |
| Memoranda: | ||
| Average total assets | $88,391,000 | 5,545 |
| Average earning assets | $81,641,500 | 5,497 |
| Average equity | $9,958,000 | 5,399 |
| Average total loans | $55,056,000 | 5,588 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7831% | 1,742 |
| Cost of funding earning assets | 2.9622% | 2,021 |
| Net interest margin | 3.8209% | 3,936 |
| Noninterest income to average assets | 0.7259% | 2,937 |
| Noninterest expense to average assets | 3.3339% | 2,858 |
| Loan and lease loss provision to assets | 0.2845% | 4,104 |
| Net operating income to assets | 0.5914% | 4,340 |
| Return on assets (ROA) | 0.6955% | 3,744 |
| Pretax return on assets | 0.7225% | 4,323 |
| Return on Equity (ROE) | 5.6720% | 4,087 |
| Retained earnings to average equity (ytd only) | 3.2043% | 3,155 |
| Net charge-offs to loans | -0.0281% | 7,963 |
| Credit loss provision to net charge-offs | -1,800.0000% | 7,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7677% | 2,797 |
| Assets per employee ($millions) | 3.2776% | 5,270 |
| Cash dividends to net income (ytd only)* | 43.5065% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 3,669 |
| Loan loss allowance to noncurrent loans | 69.3182% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 1.4905% | 3,241 |
| Noncurrent loans to loans | 1.8986% | 2,904 |
| Net loans and leases to total assets | 62.0231% | 5,620 |
| Net loans and leases to deposits | 80.6015% | 4,942 |
| Net loans and leases to core deposits | 87.6679% | 6,003 |
| Total domestic deposits to total assets | 76.9504% | 6,007 |
| Equity capital to assets | 11.2378% | 2,851 |
| Core capital (leverage) ratio | 12.9741% | 1,550 |
| Tier 1 risk-based capital ratio | 19.8596% | 1,644 |
| Total risk-based capital ratio | 21.0689% | 1,607 |
| Memoranda: | ||
| Average total assets | $88,575,400 | 5,400 |
| Average earning assets | $81,290,000 | 5,395 |
| Average equity | $10,860,400 | 5,167 |
| Average total loans | $49,909,000 | 5,707 |