Home > FirstOak Bank > Performance and Condition Ratios
FirstOak 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 | 5.9055% | 723 |
| Cost of funding earning assets | 0.8485% | 3,615 |
| Net interest margin | 5.0570% | 292 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 3.1282% | 919 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.8798% | 541 |
| Return on assets (ROA) | 1.8824% | 524 |
| Pretax return on assets | 1.9495% | 721 |
| Return on Equity (ROE) | 19.2700% | 684 |
| Retained earnings to average equity (ytd only) | 2.8687% | 3,324 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.5809% | 3,016 |
| Assets per employee ($millions) | 5.5945% | 3,166 |
| Cash dividends to net income (ytd only)* | 85.1166% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9112% | 3,672 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 79.7400% | 673 |
| Net loans and leases to deposits | 89.4288% | 1,313 |
| Net loans and leases to core deposits | 114.5291% | 796 |
| Total domestic deposits to total assets | 89.1700% | 1,012 |
| Equity capital to assets | 10.1017% | 1,948 |
| Core capital (leverage) ratio | 9.8084% | 2,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $232,368,600 | 2,776 |
| Average earning assets | $215,207,400 | 2,771 |
| Average equity | $22,693,200 | 2,646 |
| Average total loans | $188,933,000 | 2,366 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6984% | 793 |
| Cost of funding earning assets | 0.7378% | 3,685 |
| Net interest margin | 4.9605% | 324 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 3.1066% | 924 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.7948% | 677 |
| Return on assets (ROA) | 1.7975% | 664 |
| Pretax return on assets | 1.8614% | 911 |
| Return on Equity (ROE) | 18.5700% | 868 |
| Retained earnings to average equity (ytd only) | -0.8262% | 4,240 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.4864% | 2,787 |
| Assets per employee ($millions) | 5.5576% | 3,135 |
| Cash dividends to net income (ytd only)* | 104.4494% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8897% | 3,763 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 80.8000% | 561 |
| Net loans and leases to deposits | 90.2639% | 1,218 |
| Net loans and leases to core deposits | 111.0776% | 836 |
| Total domestic deposits to total assets | 89.5100% | 1,068 |
| Equity capital to assets | 9.5455% | 2,071 |
| Core capital (leverage) ratio | 9.4363% | 3,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $231,718,000 | 2,798 |
| Average earning assets | $214,675,750 | 2,786 |
| Average equity | $22,432,500 | 2,655 |
| Average total loans | $188,892,250 | 2,372 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5111% | 819 |
| Cost of funding earning assets | 0.6046% | 3,736 |
| Net interest margin | 4.9065% | 346 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 3.0872% | 921 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.6856% | 807 |
| Return on assets (ROA) | 1.6881% | 805 |
| Pretax return on assets | 1.7521% | 1,110 |
| Return on Equity (ROE) | 17.3600% | 1,037 |
| Retained earnings to average equity (ytd only) | -5.5509% | 4,443 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.6903% | 2,628 |
| Assets per employee ($millions) | 5.4987% | 3,155 |
| Cash dividends to net income (ytd only)* | 131.9836% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8846% | 3,827 |
| Loan loss allowance to noncurrent loans | 6,929.1667% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 3,744 |
| Noncurrent loans to loans | 0.0128% | 3,690 |
| Net loans and leases to total assets | 80.6800% | 559 |
| Net loans and leases to deposits | 91.8458% | 1,033 |
| Net loans and leases to core deposits | 111.8594% | 753 |
| Total domestic deposits to total assets | 87.8400% | 1,663 |
| Equity capital to assets | 9.6009% | 2,092 |
| Core capital (leverage) ratio | 9.4300% | 3,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $231,150,667 | 2,806 |
| Average earning assets | $214,041,333 | 2,798 |
| Average equity | $22,483,000 | 2,661 |
| Average total loans | $188,428,000 | 2,366 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3725% | 760 |
| Cost of funding earning assets | 0.5242% | 3,616 |
| Net interest margin | 4.8483% | 347 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 3.0339% | 1,009 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.6710% | 868 |
| Return on assets (ROA) | 1.6726% | 864 |
| Pretax return on assets | 1.7384% | 1,195 |
| Return on Equity (ROE) | 17.0900% | 1,160 |
| Retained earnings to average equity (ytd only) | -4.8414% | 4,321 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.4462% | 2,641 |
| Assets per employee ($millions) | 5.6507% | 3,068 |
| Cash dividends to net income (ytd only)* | 128.3351% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8681% | 3,937 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 80.4900% | 495 |
| Net loans and leases to deposits | 89.9885% | 1,047 |
| Net loans and leases to core deposits | 102.5140% | 984 |
| Total domestic deposits to total assets | 89.4400% | 1,362 |
| Equity capital to assets | 9.7791% | 1,945 |
| Core capital (leverage) ratio | 9.5456% | 3,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $231,253,000 | 2,836 |
| Average earning assets | $214,425,500 | 2,828 |
| Average equity | $22,638,000 | 2,674 |
| Average total loans | $188,649,500 | 2,384 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7895% | 437 |
| Cost of funding earning assets | 0.1272% | 4,244 |
| Net interest margin | 4.6623% | 222 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.9859% | 985 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.6193% | 656 |
| Return on assets (ROA) | 1.6226% | 620 |
| Pretax return on assets | 1.6874% | 951 |
| Return on Equity (ROE) | 17.0200% | 859 |
| Retained earnings to average equity (ytd only) | 9.1279% | 1,447 |
| Net charge-offs to loans | -0.0033% | 3,543 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.7478% | 2,663 |
| Assets per employee ($millions) | 5.6300% | 3,098 |
| Cash dividends to net income (ytd only)* | 46.3737% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 2,920 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 81.0600% | 493 |
| Net loans and leases to deposits | 91.0635% | 976 |
| Net loans and leases to core deposits | 102.6159% | 869 |
| Total domestic deposits to total assets | 89.0200% | 1,712 |
| Equity capital to assets | 9.7995% | 1,827 |
| Core capital (leverage) ratio | 9.7535% | 2,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $228,576,800 | 2,850 |
| Average earning assets | $211,463,600 | 2,852 |
| Average equity | $21,790,400 | 2,787 |
| Average total loans | $180,109,000 | 2,372 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6565% | 380 |
| Cost of funding earning assets | 0.0822% | 4,404 |
| Net interest margin | 4.5743% | 209 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.7670% | 1,310 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.7188% | 507 |
| Return on assets (ROA) | 1.7232% | 492 |
| Pretax return on assets | 1.7911% | 747 |
| Return on Equity (ROE) | 18.2100% | 617 |
| Retained earnings to average equity (ytd only) | 7.9134% | 2,035 |
| Net charge-offs to loans | -0.0030% | 3,352 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.3525% | 3,203 |
| Assets per employee ($millions) | 5.5244% | 3,190 |
| Cash dividends to net income (ytd only)* | 56.5321% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 2,919 |
| Loan loss allowance to noncurrent loans | 348.9039% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 1,940 |
| Noncurrent loans to loans | 0.3211% | 2,089 |
| Net loans and leases to total assets | 78.7100% | 640 |
| Net loans and leases to deposits | 87.5191% | 1,064 |
| Net loans and leases to core deposits | 90.9953% | 1,237 |
| Total domestic deposits to total assets | 89.9400% | 1,689 |
| Equity capital to assets | 9.2908% | 2,024 |
| Core capital (leverage) ratio | 9.1861% | 3,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $228,013,750 | 2,876 |
| Average earning assets | $210,853,750 | 2,875 |
| Average equity | $21,583,000 | 2,850 |
| Average total loans | $177,838,750 | 2,393 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5403% | 354 |
| Cost of funding earning assets | 0.0779% | 4,400 |
| Net interest margin | 4.4625% | 203 |
| Noninterest income to average assets | 0.4094% | 2,696 |
| Noninterest expense to average assets | 2.8561% | 1,065 |
| Loan and lease loss provision to assets | 0.0794% | 1,227 |
| Net operating income to assets | 1.5538% | 613 |
| Return on assets (ROA) | 1.5555% | 598 |
| Pretax return on assets | 1.6217% | 897 |
| Return on Equity (ROE) | 16.3304% | 656 |
| Retained earnings to average equity (ytd only) | 4.7240% | 2,807 |
| Net charge-offs to loans | -0.0034% | 3,234 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1925% | 3,021 |
| Assets per employee ($millions) | 5.4429% | 3,279 |
| Cash dividends to net income (ytd only)* | 71.0720% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1391% | 2,991 |
| Loan loss allowance to noncurrent loans | 343.6762% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.2534% | 2,047 |
| Noncurrent loans to loans | 0.3314% | 2,146 |
| Net loans and leases to total assets | 75.5741% | 770 |
| Net loans and leases to deposits | 83.7513% | 1,141 |
| Net loans and leases to core deposits | 87.2897% | 1,255 |
| Total domestic deposits to total assets | 90.2364% | 1,619 |
| Equity capital to assets | 9.0962% | 2,320 |
| Core capital (leverage) ratio | 8.9149% | 3,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $226,676,667 | 2,907 |
| Average earning assets | $210,601,000 | 2,913 |
| Average equity | $21,591,667 | 2,936 |
| Average total loans | $175,550,667 | 2,415 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3685% | 397 |
| Cost of funding earning assets | 0.0811% | 4,348 |
| Net interest margin | 4.2874% | 245 |
| Noninterest income to average assets | 0.4108% | 2,611 |
| Noninterest expense to average assets | 2.7875% | 1,186 |
| Loan and lease loss provision to assets | 0.0807% | 1,015 |
| Net operating income to assets | 1.4691% | 680 |
| Return on assets (ROA) | 1.4691% | 675 |
| Pretax return on assets | 1.5265% | 967 |
| Return on Equity (ROE) | 15.0669% | 639 |
| Retained earnings to average equity (ytd only) | 6.8436% | 1,940 |
| Net charge-offs to loans | -0.0023% | 3,131 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8980% | 3,156 |
| Assets per employee ($millions) | 5.2703% | 3,521 |
| Cash dividends to net income (ytd only)* | 54.5788% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1313% | 3,192 |
| Loan loss allowance to noncurrent loans | 335.7504% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 2,100 |
| Noncurrent loans to loans | 0.3369% | 2,277 |
| Net loans and leases to total assets | 76.7824% | 457 |
| Net loans and leases to deposits | 85.4465% | 778 |
| Net loans and leases to core deposits | 89.3075% | 950 |
| Total domestic deposits to total assets | 89.8602% | 1,652 |
| Equity capital to assets | 9.5000% | 2,284 |
| Core capital (leverage) ratio | 9.2178% | 3,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,993,500 | 2,939 |
| Average earning assets | $207,210,500 | 2,949 |
| Average equity | $21,743,000 | 3,005 |
| Average total loans | $173,869,000 | 2,427 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6735% | 438 |
| Cost of funding earning assets | 0.1156% | 4,269 |
| Net interest margin | 4.5579% | 242 |
| Noninterest income to average assets | 0.3611% | 3,271 |
| Noninterest expense to average assets | 2.8445% | 1,258 |
| Loan and lease loss provision to assets | 0.1077% | 1,175 |
| Net operating income to assets | 1.5570% | 894 |
| Return on assets (ROA) | 1.5632% | 918 |
| Pretax return on assets | 1.6255% | 1,351 |
| Return on Equity (ROE) | 15.9183% | 775 |
| Retained earnings to average equity (ytd only) | 4.4614% | 3,026 |
| Net charge-offs to loans | -0.0039% | 3,492 |
| Credit loss provision to net charge-offs | -3,916.6667% | 4,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7043% | 2,909 |
| Assets per employee ($millions) | 5.1015% | 3,642 |
| Cash dividends to net income (ytd only)* | 71.9730% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 3,214 |
| Loan loss allowance to noncurrent loans | 921.8009% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.3583% | 1,794 |
| Noncurrent loans to loans | 0.1229% | 3,317 |
| Net loans and leases to total assets | 77.4035% | 416 |
| Net loans and leases to deposits | 86.5936% | 741 |
| Net loans and leases to core deposits | 91.1970% | 916 |
| Total domestic deposits to total assets | 89.3871% | 1,305 |
| Equity capital to assets | 10.0093% | 2,647 |
| Core capital (leverage) ratio | 9.1149% | 3,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,210,000 | 2,922 |
| Average earning assets | $201,563,800 | 2,942 |
| Average equity | $21,428,200 | 3,101 |
| Average total loans | $154,972,200 | 2,588 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6565% | 521 |
| Cost of funding earning assets | 0.1221% | 4,334 |
| Net interest margin | 4.5345% | 292 |
| Noninterest income to average assets | 0.3604% | 3,299 |
| Noninterest expense to average assets | 2.7477% | 1,465 |
| Loan and lease loss provision to assets | 0.1133% | 1,061 |
| Net operating income to assets | 1.6167% | 996 |
| Return on assets (ROA) | 1.6238% | 1,022 |
| Pretax return on assets | 1.6893% | 1,431 |
| Return on Equity (ROE) | 16.6162% | 829 |
| Retained earnings to average equity (ytd only) | 3.3433% | 3,792 |
| Net charge-offs to loans | -0.0062% | 3,504 |
| Credit loss provision to net charge-offs | -2,642.8571% | 4,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9596% | 2,984 |
| Assets per employee ($millions) | 5.2531% | 3,450 |
| Cash dividends to net income (ytd only)* | 79.8794% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 3,321 |
| Loan loss allowance to noncurrent loans | 138.2932% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.6069% | 1,258 |
| Noncurrent loans to loans | 0.8130% | 1,400 |
| Net loans and leases to total assets | 73.8123% | 709 |
| Net loans and leases to deposits | 84.6002% | 923 |
| Net loans and leases to core deposits | 89.3952% | 1,069 |
| Total domestic deposits to total assets | 87.2484% | 2,244 |
| Equity capital to assets | 9.5757% | 3,310 |
| Core capital (leverage) ratio | 8.9159% | 3,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,921,000 | 2,949 |
| Average earning assets | $201,003,750 | 2,980 |
| Average equity | $21,296,000 | 3,145 |
| Average total loans | $150,779,750 | 2,664 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7717% | 485 |
| Cost of funding earning assets | 0.1314% | 4,343 |
| Net interest margin | 4.6403% | 294 |
| Noninterest income to average assets | 0.3642% | 3,283 |
| Noninterest expense to average assets | 2.7947% | 1,366 |
| Loan and lease loss provision to assets | 0.1161% | 1,088 |
| Net operating income to assets | 1.6513% | 953 |
| Return on assets (ROA) | 1.6584% | 990 |
| Pretax return on assets | 1.7262% | 1,417 |
| Return on Equity (ROE) | 16.8518% | 808 |
| Retained earnings to average equity (ytd only) | 0.0378% | 4,503 |
| Net charge-offs to loans | -0.0083% | 3,607 |
| Credit loss provision to net charge-offs | -2,083.3333% | 3,838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8435% | 3,036 |
| Assets per employee ($millions) | 5.0204% | 3,646 |
| Cash dividends to net income (ytd only)* | 99.7759% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 3,001 |
| Loan loss allowance to noncurrent loans | 5,400.0000% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 4,183 |
| Noncurrent loans to loans | 0.0220% | 4,112 |
| Net loans and leases to total assets | 70.6819% | 1,130 |
| Net loans and leases to deposits | 78.8954% | 1,529 |
| Net loans and leases to core deposits | 83.7763% | 1,582 |
| Total domestic deposits to total assets | 89.5894% | 979 |
| Equity capital to assets | 9.7384% | 3,107 |
| Core capital (leverage) ratio | 8.4734% | 4,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,266,333 | 2,972 |
| Average earning assets | $197,874,000 | 2,999 |
| Average equity | $21,184,667 | 3,155 |
| Average total loans | $144,830,667 | 2,734 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8392% | 463 |
| Cost of funding earning assets | 0.1420% | 4,368 |
| Net interest margin | 4.6972% | 268 |
| Noninterest income to average assets | 0.3312% | 3,444 |
| Noninterest expense to average assets | 2.6982% | 1,622 |
| Loan and lease loss provision to assets | 0.1396% | 959 |
| Net operating income to assets | 1.7289% | 897 |
| Return on assets (ROA) | 1.7343% | 943 |
| Pretax return on assets | 1.8087% | 1,278 |
| Return on Equity (ROE) | 17.5307% | 778 |
| Retained earnings to average equity (ytd only) | 6.6963% | 2,667 |
| Net charge-offs to loans | -0.0114% | 3,719 |
| Credit loss provision to net charge-offs | -1,875.0000% | 3,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6183% | 3,357 |
| Assets per employee ($millions) | 5.1302% | 3,503 |
| Cash dividends to net income (ytd only)* | 61.8026% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 2,748 |
| Loan loss allowance to noncurrent loans | 281.2303% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.2874% | 2,707 |
| Noncurrent loans to loans | 0.4382% | 2,545 |
| Net loans and leases to total assets | 64.7806% | 1,943 |
| Net loans and leases to deposits | 72.2620% | 2,286 |
| Net loans and leases to core deposits | 76.6268% | 2,297 |
| Total domestic deposits to total assets | 89.6469% | 998 |
| Equity capital to assets | 9.6895% | 3,012 |
| Core capital (leverage) ratio | 9.0613% | 3,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,961,000 | 2,969 |
| Average earning assets | $197,224,000 | 2,996 |
| Average equity | $21,265,500 | 3,135 |
| Average total loans | $140,035,000 | 2,780 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9749% | 516 |
| Cost of funding earning assets | 0.2836% | 4,227 |
| Net interest margin | 4.6912% | 220 |
| Noninterest income to average assets | 0.4525% | 2,859 |
| Noninterest expense to average assets | 2.8344% | 1,850 |
| Loan and lease loss provision to assets | 0.1226% | 2,837 |
| Net operating income to assets | 1.7527% | 434 |
| Return on assets (ROA) | 1.7621% | 456 |
| Pretax return on assets | 1.8357% | 630 |
| Return on Equity (ROE) | 17.3863% | 378 |
| Retained earnings to average equity (ytd only) | 3.7975% | 2,918 |
| Net charge-offs to loans | 0.0680% | 1,814 |
| Credit loss provision to net charge-offs | 263.1579% | 1,876 |
| Earnings coverage of net charge-offs (x) | 41.8316% | 1,346 |
| Efficiency ratio | 58.7289% | 3,627 |
| Assets per employee ($millions) | 4.7573% | 3,654 |
| Cash dividends to net income (ytd only)* | 78.1580% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2587% | 2,625 |
| Loan loss allowance to noncurrent loans | 5,011.7647% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 4,323 |
| Noncurrent loans to loans | 0.0251% | 4,226 |
| Net loans and leases to total assets | 63.8619% | 2,381 |
| Net loans and leases to deposits | 71.5359% | 2,727 |
| Net loans and leases to core deposits | 76.3947% | 2,695 |
| Total domestic deposits to total assets | 89.2725% | 865 |
| Equity capital to assets | 10.1069% | 3,027 |
| Core capital (leverage) ratio | 9.0396% | 3,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,955,400 | 2,906 |
| Average earning assets | $188,266,800 | 2,924 |
| Average equity | $20,671,400 | 3,125 |
| Average total loans | $139,740,400 | 2,755 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0832% | 519 |
| Cost of funding earning assets | 0.3218% | 4,207 |
| Net interest margin | 4.7613% | 220 |
| Noninterest income to average assets | 0.4165% | 3,001 |
| Noninterest expense to average assets | 2.8250% | 1,901 |
| Loan and lease loss provision to assets | 0.1189% | 2,835 |
| Net operating income to assets | 1.7963% | 452 |
| Return on assets (ROA) | 1.8090% | 489 |
| Pretax return on assets | 1.8860% | 653 |
| Return on Equity (ROE) | 17.8355% | 373 |
| Retained earnings to average equity (ytd only) | 3.0234% | 3,517 |
| Net charge-offs to loans | 0.0634% | 1,699 |
| Credit loss provision to net charge-offs | 270.1493% | 1,856 |
| Earnings coverage of net charge-offs (x) | 45.1791% | 1,266 |
| Efficiency ratio | 58.1148% | 3,649 |
| Assets per employee ($millions) | 5.0361% | 3,201 |
| Cash dividends to net income (ytd only)* | 83.0484% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1391% | 2,983 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 66.6468% | 2,433 |
| Net loans and leases to deposits | 74.3752% | 2,920 |
| Net loans and leases to core deposits | 80.6321% | 2,791 |
| Total domestic deposits to total assets | 89.6090% | 547 |
| Equity capital to assets | 9.5931% | 3,612 |
| Core capital (leverage) ratio | 8.4389% | 4,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,613,750 | 2,898 |
| Average earning assets | $187,253,500 | 2,915 |
| Average equity | $20,550,250 | 3,131 |
| Average total loans | $140,830,250 | 2,748 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1569% | 622 |
| Cost of funding earning assets | 0.3783% | 4,133 |
| Net interest margin | 4.7786% | 294 |
| Noninterest income to average assets | 0.4193% | 2,976 |
| Noninterest expense to average assets | 2.8762% | 1,892 |
| Loan and lease loss provision to assets | 0.1071% | 2,938 |
| Net operating income to assets | 1.7801% | 524 |
| Return on assets (ROA) | 1.7811% | 572 |
| Pretax return on assets | 1.8518% | 735 |
| Return on Equity (ROE) | 17.2204% | 425 |
| Retained earnings to average equity (ytd only) | 7.2574% | 1,554 |
| Net charge-offs to loans | -0.0302% | 4,545 |
| Credit loss provision to net charge-offs | -504.7619% | 3,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9551% | 3,561 |
| Assets per employee ($millions) | 5.0230% | 3,150 |
| Cash dividends to net income (ytd only)* | 57.8559% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1352% | 2,851 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 66.0417% | 2,621 |
| Net loans and leases to deposits | 75.5694% | 2,916 |
| Net loans and leases to core deposits | 82.3168% | 2,751 |
| Total domestic deposits to total assets | 87.3921% | 1,453 |
| Equity capital to assets | 9.5379% | 3,627 |
| Core capital (leverage) ratio | 9.1774% | 3,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $197,967,667 | 2,919 |
| Average earning assets | $182,900,000 | 2,930 |
| Average equity | $20,475,667 | 3,131 |
| Average total loans | $139,111,000 | 2,755 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6136% | 288 |
| Cost of funding earning assets | 0.4713% | 4,065 |
| Net interest margin | 5.1423% | 157 |
| Noninterest income to average assets | 0.4892% | 2,605 |
| Noninterest expense to average assets | 3.1173% | 1,595 |
| Loan and lease loss provision to assets | 0.1180% | 2,215 |
| Net operating income to assets | 1.9051% | 335 |
| Return on assets (ROA) | 1.9051% | 364 |
| Pretax return on assets | 1.9823% | 466 |
| Return on Equity (ROE) | 17.6073% | 295 |
| Retained earnings to average equity (ytd only) | 4.5604% | 2,475 |
| Net charge-offs to loans | -0.0593% | 4,686 |
| Credit loss provision to net charge-offs | -275.0000% | 3,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2105% | 3,840 |
| Assets per employee ($millions) | 4.2443% | 3,601 |
| Cash dividends to net income (ytd only)* | 74.0991% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 2,588 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4873% | 2,539 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 70.7792% | 2,123 |
| Net loans and leases to deposits | 80.1142% | 2,664 |
| Net loans and leases to core deposits | 87.8866% | 2,529 |
| Total domestic deposits to total assets | 88.3479% | 954 |
| Equity capital to assets | 10.8296% | 3,017 |
| Core capital (leverage) ratio | 9.9742% | 3,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,445,500 | 2,992 |
| Average earning assets | $171,440,000 | 3,005 |
| Average equity | $20,173,500 | 3,154 |
| Average total loans | $134,848,500 | 2,778 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7843% | 337 |
| Cost of funding earning assets | 0.5572% | 3,839 |
| Net interest margin | 5.2271% | 181 |
| Noninterest income to average assets | 0.5297% | 2,581 |
| Noninterest expense to average assets | 3.0477% | 1,886 |
| Loan and lease loss provision to assets | 0.1412% | 1,507 |
| Net operating income to assets | 2.0428% | 310 |
| Return on assets (ROA) | 2.0428% | 329 |
| Pretax return on assets | 2.1186% | 456 |
| Return on Equity (ROE) | 19.0909% | 265 |
| Retained earnings to average equity (ytd only) | 5.7304% | 2,015 |
| Net charge-offs to loans | 0.1462% | 1,346 |
| Credit loss provision to net charge-offs | 129.1457% | 1,979 |
| Earnings coverage of net charge-offs (x) | 20.6683% | 1,925 |
| Efficiency ratio | 56.8841% | 4,104 |
| Assets per employee ($millions) | 4.2305% | 3,597 |
| Cash dividends to net income (ytd only)* | 69.9839% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1399% | 2,747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5286% | 2,306 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 72.1726% | 2,066 |
| Net loans and leases to deposits | 81.6072% | 2,602 |
| Net loans and leases to core deposits | 88.5982% | 2,554 |
| Total domestic deposits to total assets | 88.4391% | 916 |
| Equity capital to assets | 10.8104% | 3,171 |
| Core capital (leverage) ratio | 10.1425% | 3,363 |
| Tier 1 risk-based capital ratio | 13.2768% | 3,640 |
| Total risk-based capital ratio | 14.4096% | 3,594 |
| Memoranda: | ||
| Average total assets | $182,004,200 | 3,000 |
| Average earning assets | $166,364,200 | 3,027 |
| Average equity | $19,475,200 | 3,175 |
| Average total loans | $136,110,200 | 2,766 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8648% | 313 |
| Cost of funding earning assets | 0.5707% | 3,815 |
| Net interest margin | 5.2941% | 166 |
| Noninterest income to average assets | 0.5238% | 2,587 |
| Noninterest expense to average assets | 2.9883% | 2,014 |
| Loan and lease loss provision to assets | 0.1407% | 1,373 |
| Net operating income to assets | 2.1476% | 294 |
| Return on assets (ROA) | 2.1476% | 310 |
| Pretax return on assets | 2.2338% | 427 |
| Return on Equity (ROE) | 20.1239% | 242 |
| Retained earnings to average equity (ytd only) | 4.1490% | 3,332 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1862% | 4,256 |
| Assets per employee ($millions) | 4.1006% | 3,758 |
| Cash dividends to net income (ytd only)* | 79.3826% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 2,319 |
| Loan loss allowance to noncurrent loans | 471.1485% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.1979% | 3,774 |
| Noncurrent loans to loans | 0.2618% | 3,605 |
| Net loans and leases to total assets | 74.6576% | 1,693 |
| Net loans and leases to deposits | 84.5634% | 2,377 |
| Net loans and leases to core deposits | 91.9787% | 2,372 |
| Total domestic deposits to total assets | 88.2860% | 920 |
| Equity capital to assets | 10.8383% | 3,263 |
| Core capital (leverage) ratio | 9.7597% | 3,897 |
| Tier 1 risk-based capital ratio | 13.1292% | 3,779 |
| Total risk-based capital ratio | 14.3789% | 3,681 |
| Memoranda: | ||
| Average total assets | $180,969,250 | 3,033 |
| Average earning assets | $165,411,250 | 3,063 |
| Average equity | $19,313,250 | 3,213 |
| Average total loans | $136,164,250 | 2,791 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8040% | 335 |
| Cost of funding earning assets | 0.5648% | 3,811 |
| Net interest margin | 5.2392% | 183 |
| Noninterest income to average assets | 0.5719% | 2,278 |
| Noninterest expense to average assets | 3.0229% | 1,944 |
| Loan and lease loss provision to assets | 0.1336% | 1,391 |
| Net operating income to assets | 2.1054% | 321 |
| Return on assets (ROA) | 2.1054% | 332 |
| Pretax return on assets | 2.1982% | 449 |
| Return on Equity (ROE) | 19.8308% | 268 |
| Retained earnings to average equity (ytd only) | 1.5494% | 4,274 |
| Net charge-offs to loans | -0.0044% | 4,093 |
| Credit loss provision to net charge-offs | -4,033.3333% | 4,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9175% | 4,252 |
| Assets per employee ($millions) | 4.0753% | 3,769 |
| Cash dividends to net income (ytd only)* | 92.1867% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 2,611 |
| Loan loss allowance to noncurrent loans | 5,383.3333% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 4,661 |
| Noncurrent loans to loans | 0.0220% | 4,616 |
| Net loans and leases to total assets | 75.1882% | 1,691 |
| Net loans and leases to deposits | 85.8855% | 2,269 |
| Net loans and leases to core deposits | 93.3942% | 2,290 |
| Total domestic deposits to total assets | 87.5448% | 1,319 |
| Equity capital to assets | 10.6484% | 3,391 |
| Core capital (leverage) ratio | 9.5960% | 4,047 |
| Tier 1 risk-based capital ratio | 12.7844% | 3,956 |
| Total risk-based capital ratio | 13.9910% | 3,889 |
| Memoranda: | ||
| Average total assets | $181,150,670 | 3,042 |
| Average earning assets | $165,367,330 | 3,079 |
| Average equity | $19,232,670 | 3,227 |
| Average total loans | $136,091,330 | 2,803 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9335% | 246 |
| Cost of funding earning assets | 0.5605% | 3,785 |
| Net interest margin | 5.3731% | 157 |
| Noninterest income to average assets | 0.5427% | 2,329 |
| Noninterest expense to average assets | 3.0230% | 1,926 |
| Loan and lease loss provision to assets | 0.1450% | 1,175 |
| Net operating income to assets | 2.1398% | 298 |
| Return on assets (ROA) | 2.1398% | 312 |
| Pretax return on assets | 2.2607% | 389 |
| Return on Equity (ROE) | 20.1844% | 254 |
| Retained earnings to average equity (ytd only) | 8.0406% | 1,643 |
| Net charge-offs to loans | -0.0029% | 3,922 |
| Credit loss provision to net charge-offs | -6,600.0000% | 4,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1599% | 4,417 |
| Assets per employee ($millions) | 4.1745% | 3,666 |
| Cash dividends to net income (ytd only)* | 60.1643% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 2,958 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 4,724 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 74.1079% | 1,781 |
| Net loans and leases to deposits | 83.6190% | 2,426 |
| Net loans and leases to core deposits | 90.3204% | 2,465 |
| Total domestic deposits to total assets | 88.6257% | 1,022 |
| Equity capital to assets | 10.6289% | 3,222 |
| Core capital (leverage) ratio | 9.7016% | 3,918 |
| Tier 1 risk-based capital ratio | 12.8482% | 3,956 |
| Total risk-based capital ratio | 13.9866% | 3,918 |
| Memoranda: | ||
| Average total assets | $182,069,000 | 3,067 |
| Average earning assets | $165,567,000 | 3,109 |
| Average equity | $19,302,000 | 3,223 |
| Average total loans | $135,918,000 | 2,843 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1406% | 139 |
| Cost of funding earning assets | 0.5089% | 3,297 |
| Net interest margin | 5.6317% | 97 |
| Noninterest income to average assets | 0.4631% | 3,032 |
| Noninterest expense to average assets | 3.7356% | 739 |
| Loan and lease loss provision to assets | 0.0644% | 2,868 |
| Net operating income to assets | 1.7874% | 568 |
| Return on assets (ROA) | 1.7874% | 566 |
| Pretax return on assets | 1.8227% | 865 |
| Return on Equity (ROE) | 17.8743% | 402 |
| Retained earnings to average equity (ytd only) | 2.3408% | 4,217 |
| Net charge-offs to loans | -0.0419% | 4,918 |
| Credit loss provision to net charge-offs | -200.0000% | 4,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1019% | 2,860 |
| Assets per employee ($millions) | 4.1014% | 3,746 |
| Cash dividends to net income (ytd only)* | 86.9043% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1114% | 3,028 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0255% | 4,739 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 73.5160% | 2,011 |
| Net loans and leases to deposits | 84.3879% | 2,472 |
| Net loans and leases to core deposits | 90.9744% | 2,496 |
| Total domestic deposits to total assets | 87.1168% | 1,726 |
| Equity capital to assets | 10.5735% | 3,103 |
| Core capital (leverage) ratio | 9.4945% | 4,113 |
| Tier 1 risk-based capital ratio | 10.4377% | 5,206 |
| Total risk-based capital ratio | 11.3434% | 5,234 |
| Memoranda: | ||
| Average total assets | $158,500,800 | 3,302 |
| Average earning assets | $145,213,200 | 3,310 |
| Average equity | $15,849,600 | 3,527 |
| Average total loans | $121,647,600 | 2,973 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1508% | 125 |
| Cost of funding earning assets | 0.4588% | 3,466 |
| Net interest margin | 5.6920% | 91 |
| Noninterest income to average assets | 0.4296% | 3,290 |
| Noninterest expense to average assets | 3.7460% | 715 |
| Loan and lease loss provision to assets | 0.0784% | 2,389 |
| Net operating income to assets | 1.8029% | 598 |
| Return on assets (ROA) | 1.8029% | 602 |
| Pretax return on assets | 1.8377% | 928 |
| Return on Equity (ROE) | 18.3396% | 397 |
| Retained earnings to average equity (ytd only) | 1.0725% | 4,839 |
| Net charge-offs to loans | -0.0360% | 4,815 |
| Credit loss provision to net charge-offs | -281.2500% | 4,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8972% | 2,888 |
| Assets per employee ($millions) | 4.3585% | 3,344 |
| Cash dividends to net income (ytd only)* | 94.1517% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 3,318 |
| Loan loss allowance to noncurrent loans | 257.4956% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.3426% | 3,299 |
| Noncurrent loans to loans | 0.4179% | 3,160 |
| Net loans and leases to total assets | 71.6120% | 2,389 |
| Net loans and leases to deposits | 86.9118% | 2,272 |
| Net loans and leases to core deposits | 93.1238% | 2,383 |
| Total domestic deposits to total assets | 82.3962% | 3,488 |
| Equity capital to assets | 9.9955% | 3,652 |
| Core capital (leverage) ratio | 9.2009% | 4,509 |
| Tier 1 risk-based capital ratio | 12.4197% | 4,240 |
| Total risk-based capital ratio | 13.4948% | 4,243 |
| Memoranda: | ||
| Average total assets | $153,011,000 | 3,381 |
| Average earning assets | $140,661,500 | 3,387 |
| Average equity | $15,041,750 | 3,660 |
| Average total loans | $118,520,000 | 3,037 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1169% | 123 |
| Cost of funding earning assets | 0.4101% | 3,652 |
| Net interest margin | 5.7067% | 90 |
| Noninterest income to average assets | 0.3886% | 3,567 |
| Noninterest expense to average assets | 3.7020% | 753 |
| Loan and lease loss provision to assets | 0.1159% | 1,717 |
| Net operating income to assets | 1.8072% | 574 |
| Return on assets (ROA) | 1.8072% | 576 |
| Pretax return on assets | 1.8397% | 889 |
| Return on Equity (ROE) | 18.5210% | 374 |
| Retained earnings to average equity (ytd only) | -1.3467% | 5,103 |
| Net charge-offs to loans | 0.0160% | 2,606 |
| Credit loss provision to net charge-offs | 911.1111% | 443 |
| Earnings coverage of net charge-offs (x) | 153.7778% | 513 |
| Efficiency ratio | 65.3347% | 3,095 |
| Assets per employee ($millions) | 4.2488% | 3,500 |
| Cash dividends to net income (ytd only)* | 107.2713% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 3,358 |
| Loan loss allowance to noncurrent loans | 2,822.0000% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0619% | 4,711 |
| Noncurrent loans to loans | 0.0384% | 4,741 |
| Net loans and leases to total assets | 70.4056% | 2,519 |
| Net loans and leases to deposits | 82.9918% | 2,657 |
| Net loans and leases to core deposits | 87.1588% | 2,804 |
| Total domestic deposits to total assets | 84.8345% | 2,737 |
| Equity capital to assets | 10.1633% | 3,472 |
| Core capital (leverage) ratio | 10.2529% | 3,290 |
| Tier 1 risk-based capital ratio | 12.8988% | 3,952 |
| Total risk-based capital ratio | 13.9928% | 3,950 |
| Memoranda: | ||
| Average total assets | $141,543,330 | 3,550 |
| Average earning assets | $130,688,000 | 3,542 |
| Average equity | $13,811,330 | 3,820 |
| Average total loans | $112,803,000 | 3,129 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3912% | 81 |
| Cost of funding earning assets | 0.4149% | 3,485 |
| Net interest margin | 5.9763% | 71 |
| Noninterest income to average assets | 0.4200% | 3,317 |
| Noninterest expense to average assets | 3.6870% | 777 |
| Loan and lease loss provision to assets | 0.1157% | 1,635 |
| Net operating income to assets | 2.0998% | 295 |
| Return on assets (ROA) | 2.0998% | 296 |
| Pretax return on assets | 2.1427% | 424 |
| Return on Equity (ROE) | 22.2164% | 161 |
| Retained earnings to average equity (ytd only) | 8.5717% | 1,627 |
| Net charge-offs to loans | 0.0729% | 1,392 |
| Credit loss provision to net charge-offs | 184.2105% | 1,099 |
| Earnings coverage of net charge-offs (x) | 35.9474% | 1,125 |
| Efficiency ratio | 62.0133% | 3,780 |
| Assets per employee ($millions) | 3.4336% | 4,752 |
| Cash dividends to net income (ytd only)* | 61.4173% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3095% | 2,202 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 4,769 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 84.9113% | 347 |
| Net loans and leases to deposits | 94.7871% | 1,161 |
| Net loans and leases to core deposits | 103.8257% | 1,386 |
| Total domestic deposits to total assets | 89.5811% | 844 |
| Equity capital to assets | 9.5993% | 3,996 |
| Core capital (leverage) ratio | 9.4858% | 4,083 |
| Tier 1 risk-based capital ratio | 11.6633% | 4,763 |
| Total risk-based capital ratio | 12.9147% | 4,655 |
| Memoranda: | ||
| Average total assets | $120,966,500 | 3,890 |
| Average earning assets | $111,841,000 | 3,891 |
| Average equity | $11,433,000 | 4,202 |
| Average total loans | $104,184,500 | 3,285 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1537% | 108 |
| Cost of funding earning assets | 0.2391% | 4,656 |
| Net interest margin | 5.9146% | 74 |
| Noninterest income to average assets | 0.4458% | 3,337 |
| Noninterest expense to average assets | 3.7957% | 698 |
| Loan and lease loss provision to assets | 0.0742% | 2,721 |
| Net operating income to assets | 2.0265% | 265 |
| Return on assets (ROA) | 2.0291% | 268 |
| Pretax return on assets | 2.0597% | 428 |
| Return on Equity (ROE) | 20.5227% | 175 |
| Retained earnings to average equity (ytd only) | 2.5322% | 3,814 |
| Net charge-offs to loans | 0.0478% | 2,830 |
| Credit loss provision to net charge-offs | 184.7826% | 1,469 |
| Earnings coverage of net charge-offs (x) | 53.1087% | 1,049 |
| Efficiency ratio | 64.0418% | 3,598 |
| Assets per employee ($millions) | 3.9276% | 4,080 |
| Cash dividends to net income (ytd only)* | 87.6612% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2746% | 2,349 |
| Loan loss allowance to noncurrent loans | 183.0369% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.6078% | 2,521 |
| Noncurrent loans to loans | 0.6964% | 2,467 |
| Net loans and leases to total assets | 85.1154% | 335 |
| Net loans and leases to deposits | 97.8760% | 914 |
| Net loans and leases to core deposits | 106.0368% | 1,261 |
| Total domestic deposits to total assets | 86.9626% | 2,016 |
| Equity capital to assets | 9.3054% | 4,420 |
| Core capital (leverage) ratio | 9.6146% | 3,905 |
| Tier 1 risk-based capital ratio | 11.3839% | 4,927 |
| Total risk-based capital ratio | 12.6348% | 4,806 |
| Memoranda: | ||
| Average total assets | $114,631,000 | 3,983 |
| Average earning assets | $106,229,200 | 3,981 |
| Average equity | $11,333,800 | 4,248 |
| Average total loans | $96,215,400 | 3,412 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1148% | 114 |
| Cost of funding earning assets | 0.2195% | 4,817 |
| Net interest margin | 5.8953% | 74 |
| Noninterest income to average assets | 0.4466% | 3,354 |
| Noninterest expense to average assets | 3.7134% | 757 |
| Loan and lease loss provision to assets | 0.0354% | 3,408 |
| Net operating income to assets | 2.1267% | 250 |
| Return on assets (ROA) | 2.1302% | 252 |
| Pretax return on assets | 2.1598% | 399 |
| Return on Equity (ROE) | 21.2086% | 164 |
| Retained earnings to average equity (ytd only) | 7.2459% | 1,570 |
| Net charge-offs to loans | 0.0454% | 2,533 |
| Credit loss provision to net charge-offs | 93.7500% | 2,406 |
| Earnings coverage of net charge-offs (x) | 57.9627% | 1,013 |
| Efficiency ratio | 62.8852% | 3,734 |
| Assets per employee ($millions) | 3.6941% | 4,456 |
| Cash dividends to net income (ytd only)* | 65.8348% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 2,220 |
| Loan loss allowance to noncurrent loans | 199.5385% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.6506% | 2,551 |
| Noncurrent loans to loans | 0.6654% | 2,705 |
| Net loans and leases to total assets | 84.1751% | 418 |
| Net loans and leases to deposits | 97.8520% | 934 |
| Net loans and leases to core deposits | 107.3729% | 1,181 |
| Total domestic deposits to total assets | 86.0229% | 2,298 |
| Equity capital to assets | 10.1706% | 3,729 |
| Core capital (leverage) ratio | 10.2123% | 3,299 |
| Tier 1 risk-based capital ratio | 12.5863% | 4,266 |
| Total risk-based capital ratio | 13.8380% | 4,171 |
| Memoranda: | ||
| Average total assets | $112,849,500 | 4,053 |
| Average earning assets | $104,487,250 | 4,059 |
| Average equity | $11,334,750 | 4,288 |
| Average total loans | $94,026,250 | 3,482 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1120% | 111 |
| Cost of funding earning assets | 0.2116% | 4,876 |
| Net interest margin | 5.9003% | 79 |
| Noninterest income to average assets | 0.4328% | 3,470 |
| Noninterest expense to average assets | 3.6796% | 792 |
| Loan and lease loss provision to assets | 0.0534% | 2,909 |
| Net operating income to assets | 2.1373% | 246 |
| Return on assets (ROA) | 2.1426% | 247 |
| Pretax return on assets | 2.1675% | 376 |
| Return on Equity (ROE) | 21.4235% | 162 |
| Retained earnings to average equity (ytd only) | 4.6836% | 2,924 |
| Net charge-offs to loans | 0.0108% | 3,078 |
| Credit loss provision to net charge-offs | 600.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 248.8000% | 341 |
| Efficiency ratio | 62.4169% | 3,919 |
| Assets per employee ($millions) | 3.5916% | 4,591 |
| Cash dividends to net income (ytd only)* | 78.1380% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 1,972 |
| Loan loss allowance to noncurrent loans | 203.6923% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.6251% | 2,692 |
| Noncurrent loans to loans | 0.6844% | 2,702 |
| Net loans and leases to total assets | 84.1083% | 435 |
| Net loans and leases to deposits | 94.6369% | 1,215 |
| Net loans and leases to core deposits | 103.2150% | 1,421 |
| Total domestic deposits to total assets | 88.8747% | 1,021 |
| Equity capital to assets | 10.1481% | 3,738 |
| Core capital (leverage) ratio | 10.0001% | 3,538 |
| Tier 1 risk-based capital ratio | 12.0081% | 4,624 |
| Total risk-based capital ratio | 13.2598% | 4,511 |
| Memoranda: | ||
| Average total assets | $112,294,000 | 4,092 |
| Average earning assets | $103,960,000 | 4,099 |
| Average equity | $11,230,670 | 4,320 |
| Average total loans | $92,804,670 | 3,517 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0168% | 120 |
| Cost of funding earning assets | 0.1994% | 4,979 |
| Net interest margin | 5.8174% | 86 |
| Noninterest income to average assets | 0.4008% | 3,658 |
| Noninterest expense to average assets | 3.5825% | 913 |
| Loan and lease loss provision to assets | 0.0709% | 2,388 |
| Net operating income to assets | 2.0786% | 269 |
| Return on assets (ROA) | 2.0786% | 276 |
| Pretax return on assets | 2.1282% | 396 |
| Return on Equity (ROE) | 20.9351% | 192 |
| Retained earnings to average equity (ytd only) | 14.3259% | 275 |
| Net charge-offs to loans | -0.0087% | 4,365 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9632% | 4,152 |
| Assets per employee ($millions) | 3.6213% | 4,613 |
| Cash dividends to net income (ytd only)* | 31.5700% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 1,899 |
| Loan loss allowance to noncurrent loans | 22,016.6667% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 5,085 |
| Noncurrent loans to loans | 0.0065% | 5,233 |
| Net loans and leases to total assets | 80.4953% | 768 |
| Net loans and leases to deposits | 90.4925% | 1,480 |
| Net loans and leases to core deposits | 102.3305% | 1,347 |
| Total domestic deposits to total assets | 88.9524% | 1,164 |
| Equity capital to assets | 10.1630% | 3,554 |
| Core capital (leverage) ratio | 10.0846% | 3,392 |
| Tier 1 risk-based capital ratio | 12.2445% | 4,547 |
| Total risk-based capital ratio | 13.4958% | 4,449 |
| Memoranda: | ||
| Average total assets | $112,770,500 | 4,117 |
| Average earning assets | $104,308,000 | 4,121 |
| Average equity | $11,196,500 | 4,351 |
| Average total loans | $91,721,500 | 3,562 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8634% | 145 |
| Cost of funding earning assets | 0.1989% | 5,019 |
| Net interest margin | 5.6645% | 88 |
| Noninterest income to average assets | 0.3967% | 3,914 |
| Noninterest expense to average assets | 3.7729% | 800 |
| Loan and lease loss provision to assets | 0.0666% | 3,033 |
| Net operating income to assets | 1.7591% | 481 |
| Return on assets (ROA) | 1.7582% | 501 |
| Pretax return on assets | 1.7884% | 824 |
| Return on Equity (ROE) | 18.9707% | 265 |
| Retained earnings to average equity (ytd only) | 9.5093% | 497 |
| Net charge-offs to loans | -0.1050% | 5,606 |
| Credit loss provision to net charge-offs | -80.6452% | 4,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0293% | 3,435 |
| Assets per employee ($millions) | 3.6542% | 4,535 |
| Cash dividends to net income (ytd only)* | 49.8738% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4157% | 2,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 79.8536% | 915 |
| Net loans and leases to deposits | 89.2197% | 1,777 |
| Net loans and leases to core deposits | 100.9824% | 1,540 |
| Total domestic deposits to total assets | 89.5022% | 859 |
| Equity capital to assets | 9.6962% | 4,076 |
| Core capital (leverage) ratio | 9.6010% | 3,963 |
| Tier 1 risk-based capital ratio | 12.0132% | 4,721 |
| Total risk-based capital ratio | 13.2650% | 4,601 |
| Memoranda: | ||
| Average total assets | $112,673,000 | 4,114 |
| Average earning assets | $104,068,800 | 4,116 |
| Average equity | $10,442,400 | 4,504 |
| Average total loans | $88,546,800 | 3,605 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8124% | 164 |
| Cost of funding earning assets | 0.2053% | 5,013 |
| Net interest margin | 5.6071% | 96 |
| Noninterest income to average assets | 0.3744% | 4,101 |
| Noninterest expense to average assets | 3.5927% | 1,008 |
| Loan and lease loss provision to assets | 0.0889% | 2,450 |
| Net operating income to assets | 1.8414% | 450 |
| Return on assets (ROA) | 1.8426% | 471 |
| Pretax return on assets | 1.8722% | 755 |
| Return on Equity (ROE) | 20.1153% | 237 |
| Retained earnings to average equity (ytd only) | 9.4561% | 702 |
| Net charge-offs to loans | -0.1960% | 5,757 |
| Credit loss provision to net charge-offs | -58.1395% | 4,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7034% | 3,815 |
| Assets per employee ($millions) | 3.7550% | 4,382 |
| Cash dividends to net income (ytd only)* | 52.9904% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4551% | 1,956 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1031% | 5,019 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 77.6695% | 1,253 |
| Net loans and leases to deposits | 86.3781% | 2,223 |
| Net loans and leases to core deposits | 99.7243% | 1,663 |
| Total domestic deposits to total assets | 89.9180% | 512 |
| Equity capital to assets | 9.2444% | 4,929 |
| Core capital (leverage) ratio | 9.3631% | 4,374 |
| Tier 1 risk-based capital ratio | 10.7001% | 5,522 |
| Total risk-based capital ratio | 11.9505% | 5,435 |
| Memoranda: | ||
| Average total assets | $112,521,000 | 4,149 |
| Average earning assets | $103,912,500 | 4,145 |
| Average equity | $10,307,000 | 4,568 |
| Average total loans | $87,744,000 | 3,638 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7011% | 186 |
| Cost of funding earning assets | 0.2171% | 4,971 |
| Net interest margin | 5.4840% | 117 |
| Noninterest income to average assets | 0.3758% | 4,060 |
| Noninterest expense to average assets | 3.7150% | 858 |
| Loan and lease loss provision to assets | 0.0899% | 2,349 |
| Net operating income to assets | 1.6111% | 699 |
| Return on assets (ROA) | 1.6111% | 747 |
| Pretax return on assets | 1.6129% | 1,333 |
| Return on Equity (ROE) | 17.6453% | 385 |
| Retained earnings to average equity (ytd only) | 4.6673% | 2,937 |
| Net charge-offs to loans | -0.1967% | 5,806 |
| Credit loss provision to net charge-offs | -58.8235% | 4,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5695% | 3,234 |
| Assets per employee ($millions) | 3.6815% | 4,473 |
| Cash dividends to net income (ytd only)* | 73.5491% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 2,457 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 5,056 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 80.0333% | 892 |
| Net loans and leases to deposits | 88.7259% | 1,894 |
| Net loans and leases to core deposits | 101.0823% | 1,555 |
| Total domestic deposits to total assets | 90.2028% | 412 |
| Equity capital to assets | 9.0234% | 5,218 |
| Core capital (leverage) ratio | 9.2213% | 4,561 |
| Tier 1 risk-based capital ratio | 10.1078% | 5,816 |
| Total risk-based capital ratio | 11.3573% | 5,758 |
| Memoranda: | ||
| Average total assets | $111,226,000 | 4,200 |
| Average earning assets | $102,261,000 | 4,215 |
| Average equity | $10,155,670 | 4,615 |
| Average total loans | $86,409,670 | 3,683 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4938% | 261 |
| Cost of funding earning assets | 0.2540% | 4,660 |
| Net interest margin | 5.2398% | 164 |
| Noninterest income to average assets | 0.3717% | 4,066 |
| Noninterest expense to average assets | 3.9462% | 647 |
| Loan and lease loss provision to assets | 0.0729% | 2,501 |
| Net operating income to assets | 1.1369% | 1,761 |
| Return on assets (ROA) | 1.1369% | 1,878 |
| Pretax return on assets | 1.1624% | 2,842 |
| Return on Equity (ROE) | 12.3754% | 1,194 |
| Retained earnings to average equity (ytd only) | 5.8307% | 2,454 |
| Net charge-offs to loans | -0.2737% | 5,918 |
| Credit loss provision to net charge-offs | -35.0877% | 4,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1603% | 2,156 |
| Assets per employee ($millions) | 3.4979% | 4,813 |
| Cash dividends to net income (ytd only)* | 52.8846% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 2,278 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2499% | 4,558 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 76.6671% | 1,298 |
| Net loans and leases to deposits | 85.3698% | 2,142 |
| Net loans and leases to core deposits | 92.7969% | 2,111 |
| Total domestic deposits to total assets | 89.8059% | 674 |
| Equity capital to assets | 9.3752% | 4,805 |
| Core capital (leverage) ratio | 9.1370% | 4,682 |
| Tier 1 risk-based capital ratio | 10.7984% | 5,602 |
| Total risk-based capital ratio | 12.0479% | 5,511 |
| Memoranda: | ||
| Average total assets | $109,776,500 | 4,265 |
| Average earning assets | $100,768,000 | 4,279 |
| Average equity | $10,084,500 | 4,647 |
| Average total loans | $83,312,500 | 3,773 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8875% | 149 |
| Cost of funding earning assets | 0.3208% | 4,017 |
| Net interest margin | 5.5666% | 109 |
| Noninterest income to average assets | 0.4206% | 3,890 |
| Noninterest expense to average assets | 4.2823% | 500 |
| Loan and lease loss provision to assets | 0.1379% | 1,716 |
| Net operating income to assets | 1.0572% | 2,095 |
| Return on assets (ROA) | 1.0659% | 2,140 |
| Pretax return on assets | 1.0856% | 3,126 |
| Return on Equity (ROE) | 10.6572% | 1,733 |
| Retained earnings to average equity (ytd only) | 0.3940% | 5,356 |
| Net charge-offs to loans | 0.1166% | 2,207 |
| Credit loss provision to net charge-offs | 150.5376% | 1,764 |
| Earnings coverage of net charge-offs (x) | 13.2581% | 2,387 |
| Efficiency ratio | 69.3907% | 3,323 |
| Assets per employee ($millions) | 3.5845% | 4,666 |
| Cash dividends to net income (ytd only)* | 96.3031% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3745% | 2,537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3429% | 4,214 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 73.0323% | 1,887 |
| Net loans and leases to deposits | 85.1694% | 2,221 |
| Net loans and leases to core deposits | 92.3000% | 2,186 |
| Total domestic deposits to total assets | 85.7494% | 2,753 |
| Equity capital to assets | 9.0021% | 5,118 |
| Core capital (leverage) ratio | 9.4327% | 4,276 |
| Tier 1 risk-based capital ratio | 10.9348% | 5,554 |
| Total risk-based capital ratio | 12.1770% | 5,469 |
| Memoranda: | ||
| Average total assets | $101,510,000 | 4,435 |
| Average earning assets | $92,569,400 | 4,461 |
| Average equity | $10,152,800 | 4,635 |
| Average total loans | $79,742,800 | 3,835 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9287% | 145 |
| Cost of funding earning assets | 0.3287% | 4,000 |
| Net interest margin | 5.6000% | 107 |
| Noninterest income to average assets | 0.4372% | 3,819 |
| Noninterest expense to average assets | 3.7184% | 954 |
| Loan and lease loss provision to assets | 0.1614% | 1,329 |
| Net operating income to assets | 1.6495% | 692 |
| Return on assets (ROA) | 1.6615% | 694 |
| Pretax return on assets | 1.6803% | 1,161 |
| Return on Equity (ROE) | 16.1589% | 565 |
| Retained earnings to average equity (ytd only) | 8.0205% | 1,236 |
| Net charge-offs to loans | 0.1601% | 1,546 |
| Credit loss provision to net charge-offs | 126.3158% | 1,913 |
| Earnings coverage of net charge-offs (x) | 14.3162% | 2,257 |
| Efficiency ratio | 67.0223% | 3,710 |
| Assets per employee ($millions) | 3.3013% | 5,127 |
| Cash dividends to net income (ytd only)* | 50.3641% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3513% | 2,841 |
| Loan loss allowance to noncurrent loans | 110,900.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.3733% | 4,273 |
| Noncurrent loans to loans | 0.0012% | 5,673 |
| Net loans and leases to total assets | 79.1091% | 941 |
| Net loans and leases to deposits | 94.2097% | 1,182 |
| Net loans and leases to core deposits | 103.2508% | 1,285 |
| Total domestic deposits to total assets | 83.9712% | 3,444 |
| Equity capital to assets | 10.2549% | 3,872 |
| Core capital (leverage) ratio | 9.9929% | 3,639 |
| Tier 1 risk-based capital ratio | 11.8107% | 5,193 |
| Total risk-based capital ratio | 13.0612% | 5,116 |
| Memoranda: | ||
| Average total assets | $99,108,000 | 4,529 |
| Average earning assets | $90,450,250 | 4,544 |
| Average equity | $10,190,250 | 4,679 |
| Average total loans | $79,107,750 | 3,889 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8496% | 156 |
| Cost of funding earning assets | 0.3270% | 4,086 |
| Net interest margin | 5.5226% | 119 |
| Noninterest income to average assets | 0.4121% | 3,991 |
| Noninterest expense to average assets | 3.7131% | 973 |
| Loan and lease loss provision to assets | 0.1122% | 1,962 |
| Net operating income to assets | 1.6301% | 706 |
| Return on assets (ROA) | 1.6485% | 715 |
| Pretax return on assets | 1.6362% | 1,233 |
| Return on Equity (ROE) | 16.0180% | 608 |
| Retained earnings to average equity (ytd only) | 6.7204% | 1,831 |
| Net charge-offs to loans | 0.2279% | 1,128 |
| Credit loss provision to net charge-offs | 61.7978% | 2,573 |
| Earnings coverage of net charge-offs (x) | 9.5281% | 2,442 |
| Efficiency ratio | 68.2159% | 3,645 |
| Assets per employee ($millions) | 3.2261% | 5,304 |
| Cash dividends to net income (ytd only)* | 58.0446% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2897% | 3,302 |
| Loan loss allowance to noncurrent loans | 52,500.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 4,193 |
| Noncurrent loans to loans | 0.0025% | 5,771 |
| Net loans and leases to total assets | 80.3590% | 762 |
| Net loans and leases to deposits | 95.6898% | 989 |
| Net loans and leases to core deposits | 105.0879% | 1,122 |
| Total domestic deposits to total assets | 83.9786% | 3,569 |
| Equity capital to assets | 10.2160% | 3,792 |
| Core capital (leverage) ratio | 9.9584% | 3,667 |
| Tier 1 risk-based capital ratio | 11.5106% | 5,458 |
| Total risk-based capital ratio | 12.7191% | 5,405 |
| Memoranda: | ||
| Average total assets | $98,030,330 | 4,592 |
| Average earning assets | $89,305,330 | 4,612 |
| Average equity | $10,088,670 | 4,730 |
| Average total loans | $78,120,330 | 3,945 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5841% | 226 |
| Cost of funding earning assets | 0.3287% | 4,111 |
| Net interest margin | 5.2554% | 168 |
| Noninterest income to average assets | 0.4163% | 3,871 |
| Noninterest expense to average assets | 3.7015% | 1,011 |
| Loan and lease loss provision to assets | 0.1237% | 1,685 |
| Net operating income to assets | 1.3726% | 1,086 |
| Return on assets (ROA) | 1.3726% | 1,145 |
| Pretax return on assets | 1.4015% | 1,887 |
| Return on Equity (ROE) | 13.2874% | 1,026 |
| Retained earnings to average equity (ytd only) | 8.3795% | 1,423 |
| Net charge-offs to loans | -0.0157% | 4,935 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8202% | 3,350 |
| Assets per employee ($millions) | 3.2586% | 5,309 |
| Cash dividends to net income (ytd only)* | 36.9369% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4476% | 2,689 |
| Loan loss allowance to noncurrent loans | 443.2540% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3762% | 4,514 |
| Noncurrent loans to loans | 0.3266% | 4,621 |
| Net loans and leases to total assets | 75.2777% | 1,315 |
| Net loans and leases to deposits | 89.4467% | 1,443 |
| Net loans and leases to core deposits | 94.6810% | 1,718 |
| Total domestic deposits to total assets | 84.1593% | 3,754 |
| Equity capital to assets | 10.0418% | 4,101 |
| Core capital (leverage) ratio | 9.8652% | 3,803 |
| Tier 1 risk-based capital ratio | 11.2576% | 5,684 |
| Total risk-based capital ratio | 12.5074% | 5,600 |
| Memoranda: | ||
| Average total assets | $97,040,500 | 4,646 |
| Average earning assets | $88,823,500 | 4,662 |
| Average equity | $10,024,500 | 4,776 |
| Average total loans | $76,472,000 | 4,005 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0745% | 141 |
| Cost of funding earning assets | 0.3675% | 4,062 |
| Net interest margin | 5.7070% | 100 |
| Noninterest income to average assets | 0.5021% | 3,490 |
| Noninterest expense to average assets | 4.1004% | 686 |
| Loan and lease loss provision to assets | 0.1124% | 2,293 |
| Net operating income to assets | 1.3879% | 1,104 |
| Return on assets (ROA) | 1.4003% | 1,113 |
| Pretax return on assets | 1.4399% | 1,758 |
| Return on Equity (ROE) | 13.3529% | 1,070 |
| Retained earnings to average equity (ytd only) | 2.3276% | 4,572 |
| Net charge-offs to loans | 0.1473% | 2,560 |
| Credit loss provision to net charge-offs | 95.4545% | 2,526 |
| Earnings coverage of net charge-offs (x) | 13.0727% | 2,309 |
| Efficiency ratio | 72.7031% | 3,088 |
| Assets per employee ($millions) | 3.0020% | 5,695 |
| Cash dividends to net income (ytd only)* | 82.5688% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4291% | 2,806 |
| Loan loss allowance to noncurrent loans | 925.6410% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 4,945 |
| Noncurrent loans to loans | 0.1544% | 5,280 |
| Net loans and leases to total assets | 80.2682% | 709 |
| Net loans and leases to deposits | 98.4579% | 726 |
| Net loans and leases to core deposits | 105.1728% | 1,066 |
| Total domestic deposits to total assets | 81.5254% | 4,584 |
| Equity capital to assets | 10.6433% | 3,308 |
| Core capital (leverage) ratio | 10.0137% | 3,553 |
| Tier 1 risk-based capital ratio | 12.7680% | 4,875 |
| Total risk-based capital ratio | 14.0206% | 4,785 |
| Memoranda: | ||
| Average total assets | $93,406,600 | 4,767 |
| Average earning assets | $84,089,200 | 4,785 |
| Average equity | $9,795,600 | 4,790 |
| Average total loans | $74,702,200 | 4,033 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0093% | 154 |
| Cost of funding earning assets | 0.3781% | 4,044 |
| Net interest margin | 5.6312% | 112 |
| Noninterest income to average assets | 0.5006% | 3,542 |
| Noninterest expense to average assets | 3.9631% | 785 |
| Loan and lease loss provision to assets | 0.1497% | 1,666 |
| Net operating income to assets | 1.4261% | 1,084 |
| Return on assets (ROA) | 1.4261% | 1,120 |
| Pretax return on assets | 1.4646% | 1,758 |
| Return on Equity (ROE) | 13.6493% | 1,064 |
| Retained earnings to average equity (ytd only) | 4.5179% | 3,435 |
| Net charge-offs to loans | 0.0573% | 3,397 |
| Credit loss provision to net charge-offs | 328.1250% | 850 |
| Earnings coverage of net charge-offs (x) | 35.3715% | 1,223 |
| Efficiency ratio | 71.0560% | 3,335 |
| Assets per employee ($millions) | 3.0141% | 5,709 |
| Cash dividends to net income (ytd only)* | 66.9002% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5231% | 2,606 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 5,747 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 80.3354% | 683 |
| Net loans and leases to deposits | 98.9011% | 676 |
| Net loans and leases to core deposits | 105.8941% | 965 |
| Total domestic deposits to total assets | 81.2280% | 4,761 |
| Equity capital to assets | 10.6639% | 3,350 |
| Core capital (leverage) ratio | 10.2510% | 3,337 |
| Tier 1 risk-based capital ratio | 12.6377% | 5,072 |
| Total risk-based capital ratio | 13.8909% | 4,987 |
| Memoranda: | ||
| Average total assets | $93,492,500 | 4,812 |
| Average earning assets | $84,289,500 | 4,828 |
| Average equity | $9,768,250 | 4,834 |
| Average total loans | $74,432,000 | 4,069 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9674% | 157 |
| Cost of funding earning assets | 0.3972% | 3,895 |
| Net interest margin | 5.5702% | 119 |
| Noninterest income to average assets | 0.5005% | 3,481 |
| Noninterest expense to average assets | 4.0509% | 717 |
| Loan and lease loss provision to assets | 0.1818% | 1,349 |
| Net operating income to assets | 1.2405% | 1,475 |
| Return on assets (ROA) | 1.2405% | 1,535 |
| Pretax return on assets | 1.2769% | 2,345 |
| Return on Equity (ROE) | 11.9551% | 1,435 |
| Retained earnings to average equity (ytd only) | 0.2886% | 5,606 |
| Net charge-offs to loans | 0.0867% | 2,826 |
| Credit loss provision to net charge-offs | 265.6250% | 950 |
| Earnings coverage of net charge-offs (x) | 21.3125% | 1,550 |
| Efficiency ratio | 73.5248% | 3,059 |
| Assets per employee ($millions) | 2.9415% | 5,835 |
| Cash dividends to net income (ytd only)* | 97.5862% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4979% | 2,910 |
| Loan loss allowance to noncurrent loans | 28,525.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 5,825 |
| Noncurrent loans to loans | 0.0053% | 6,081 |
| Net loans and leases to total assets | 82.2849% | 445 |
| Net loans and leases to deposits | 98.9346% | 608 |
| Net loans and leases to core deposits | 106.7750% | 848 |
| Total domestic deposits to total assets | 83.1710% | 4,235 |
| Equity capital to assets | 10.5869% | 3,329 |
| Core capital (leverage) ratio | 9.9005% | 3,743 |
| Tier 1 risk-based capital ratio | 11.5651% | 5,764 |
| Total risk-based capital ratio | 12.8091% | 5,722 |
| Memoranda: | ||
| Average total assets | $93,511,000 | 4,839 |
| Average earning assets | $84,090,000 | 4,866 |
| Average equity | $9,703,000 | 4,864 |
| Average total loans | $73,834,670 | 4,110 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7867% | 193 |
| Cost of funding earning assets | 0.4393% | 3,539 |
| Net interest margin | 5.3474% | 154 |
| Noninterest income to average assets | 0.5324% | 3,176 |
| Noninterest expense to average assets | 3.5237% | 1,444 |
| Loan and lease loss provision to assets | 0.1268% | 1,919 |
| Net operating income to assets | 1.6013% | 668 |
| Return on assets (ROA) | 1.6013% | 696 |
| Pretax return on assets | 1.6647% | 1,041 |
| Return on Equity (ROE) | 15.5847% | 692 |
| Retained earnings to average equity (ytd only) | 10.5269% | 833 |
| Net charge-offs to loans | -0.0385% | 5,700 |
| Credit loss provision to net charge-offs | -428.5714% | 5,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2957% | 4,487 |
| Assets per employee ($millions) | 3.1449% | 5,608 |
| Cash dividends to net income (ytd only)* | 32.4538% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5466% | 2,943 |
| Loan loss allowance to noncurrent loans | 1,136.3636% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.2226% | 5,541 |
| Noncurrent loans to loans | 0.1361% | 5,700 |
| Net loans and leases to total assets | 73.4555% | 1,358 |
| Net loans and leases to deposits | 90.6816% | 1,071 |
| Net loans and leases to core deposits | 95.5962% | 1,411 |
| Total domestic deposits to total assets | 81.0038% | 5,238 |
| Equity capital to assets | 10.1146% | 3,704 |
| Core capital (leverage) ratio | 9.8427% | 3,801 |
| Tier 1 risk-based capital ratio | 12.1459% | 5,544 |
| Total risk-based capital ratio | 13.3899% | 5,473 |
| Memoranda: | ||
| Average total assets | $94,672,500 | 4,849 |
| Average earning assets | $84,677,000 | 4,898 |
| Average equity | $9,727,500 | 4,884 |
| Average total loans | $72,664,500 | 4,177 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3089% | 112 |
| Cost of funding earning assets | 0.4818% | 3,799 |
| Net interest margin | 5.8271% | 95 |
| Noninterest income to average assets | 0.4916% | 3,810 |
| Noninterest expense to average assets | 3.9934% | 881 |
| Loan and lease loss provision to assets | 0.1513% | 2,389 |
| Net operating income to assets | 1.5156% | 793 |
| Return on assets (ROA) | 1.5156% | 829 |
| Pretax return on assets | 1.5576% | 1,275 |
| Return on Equity (ROE) | 14.4820% | 853 |
| Retained earnings to average equity (ytd only) | 4.0533% | 3,303 |
| Net charge-offs to loans | 0.1215% | 3,598 |
| Credit loss provision to net charge-offs | 157.4713% | 1,463 |
| Earnings coverage of net charge-offs (x) | 17.7816% | 1,697 |
| Efficiency ratio | 70.0310% | 3,839 |
| Assets per employee ($millions) | 3.0617% | 5,738 |
| Cash dividends to net income (ytd only)* | 72.0117% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4988% | 3,202 |
| Loan loss allowance to noncurrent loans | 572.6316% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.2221% | 5,618 |
| Noncurrent loans to loans | 0.2617% | 5,397 |
| Net loans and leases to total assets | 77.8448% | 843 |
| Net loans and leases to deposits | 97.0624% | 661 |
| Net loans and leases to core deposits | 102.7106% | 991 |
| Total domestic deposits to total assets | 80.2008% | 5,398 |
| Equity capital to assets | 10.4451% | 3,227 |
| Core capital (leverage) ratio | 9.9611% | 3,627 |
| Tier 1 risk-based capital ratio | 12.1275% | 5,543 |
| Total risk-based capital ratio | 13.3659% | 5,485 |
| Memoranda: | ||
| Average total assets | $90,523,800 | 4,968 |
| Average earning assets | $80,949,600 | 5,011 |
| Average equity | $9,473,800 | 4,985 |
| Average total loans | $71,621,600 | 4,198 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3499% | 110 |
| Cost of funding earning assets | 0.4933% | 3,841 |
| Net interest margin | 5.8566% | 92 |
| Noninterest income to average assets | 0.4287% | 4,309 |
| Noninterest expense to average assets | 3.7770% | 1,109 |
| Loan and lease loss provision to assets | 0.1922% | 1,899 |
| Net operating income to assets | 1.6616% | 666 |
| Return on assets (ROA) | 1.6616% | 702 |
| Pretax return on assets | 1.7074% | 1,076 |
| Return on Equity (ROE) | 15.8690% | 665 |
| Retained earnings to average equity (ytd only) | 7.7369% | 1,531 |
| Net charge-offs to loans | 0.2933% | 2,072 |
| Credit loss provision to net charge-offs | 82.8025% | 2,778 |
| Earnings coverage of net charge-offs (x) | 8.1846% | 2,668 |
| Efficiency ratio | 66.5365% | 4,389 |
| Assets per employee ($millions) | 3.0064% | 5,836 |
| Cash dividends to net income (ytd only)* | 51.2455% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 4,172 |
| Loan loss allowance to noncurrent loans | 307.2948% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 5,267 |
| Noncurrent loans to loans | 0.4374% | 5,106 |
| Net loans and leases to total assets | 82.2835% | 349 |
| Net loans and leases to deposits | 103.5380% | 318 |
| Net loans and leases to core deposits | 109.7288% | 585 |
| Total domestic deposits to total assets | 79.4718% | 5,636 |
| Equity capital to assets | 10.7569% | 3,005 |
| Core capital (leverage) ratio | 10.0822% | 3,556 |
| Tier 1 risk-based capital ratio | 12.0591% | 5,744 |
| Total risk-based capital ratio | 13.3095% | 5,682 |
| Memoranda: | ||
| Average total assets | $90,191,750 | 5,034 |
| Average earning assets | $80,818,500 | 5,065 |
| Average equity | $9,443,750 | 5,043 |
| Average total loans | $71,379,500 | 4,251 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1860% | 133 |
| Cost of funding earning assets | 0.4966% | 3,933 |
| Net interest margin | 5.6894% | 108 |
| Noninterest income to average assets | 0.4080% | 4,466 |
| Noninterest expense to average assets | 3.7254% | 1,214 |
| Loan and lease loss provision to assets | 0.1774% | 2,140 |
| Net operating income to assets | 1.5744% | 779 |
| Return on assets (ROA) | 1.5744% | 849 |
| Pretax return on assets | 1.6121% | 1,335 |
| Return on Equity (ROE) | 15.1747% | 780 |
| Retained earnings to average equity (ytd only) | 5.6852% | 2,619 |
| Net charge-offs to loans | 0.1198% | 3,165 |
| Credit loss provision to net charge-offs | 190.4762% | 1,248 |
| Earnings coverage of net charge-offs (x) | 19.2143% | 1,513 |
| Efficiency ratio | 67.5513% | 4,253 |
| Assets per employee ($millions) | 3.0746% | 5,722 |
| Cash dividends to net income (ytd only)* | 62.5352% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4468% | 3,824 |
| Loan loss allowance to noncurrent loans | 270.3518% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.7578% | 4,319 |
| Noncurrent loans to loans | 0.5351% | 4,925 |
| Net loans and leases to total assets | 79.4640% | 583 |
| Net loans and leases to deposits | 98.7617% | 497 |
| Net loans and leases to core deposits | 104.8134% | 804 |
| Total domestic deposits to total assets | 80.4603% | 5,490 |
| Equity capital to assets | 10.1856% | 3,676 |
| Core capital (leverage) ratio | 9.8656% | 3,692 |
| Tier 1 risk-based capital ratio | 11.8694% | 5,864 |
| Total risk-based capital ratio | 13.1006% | 5,834 |
| Memoranda: | ||
| Average total assets | $90,191,330 | 5,060 |
| Average earning assets | $80,957,330 | 5,091 |
| Average equity | $9,357,670 | 5,093 |
| Average total loans | $70,097,670 | 4,305 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9129% | 194 |
| Cost of funding earning assets | 0.5148% | 3,930 |
| Net interest margin | 5.3981% | 149 |
| Noninterest income to average assets | 0.3634% | 4,754 |
| Noninterest expense to average assets | 3.7143% | 1,224 |
| Loan and lease loss provision to assets | 0.1346% | 2,557 |
| Net operating income to assets | 1.3323% | 1,201 |
| Return on assets (ROA) | 1.3323% | 1,299 |
| Pretax return on assets | 1.3592% | 2,012 |
| Return on Equity (ROE) | 12.7208% | 1,238 |
| Retained earnings to average equity (ytd only) | 7.7953% | 1,827 |
| Net charge-offs to loans | 0.6651% | 918 |
| Credit loss provision to net charge-offs | 26.5487% | 2,935 |
| Earnings coverage of net charge-offs (x) | 2.9469% | 2,892 |
| Efficiency ratio | 71.3178% | 3,748 |
| Assets per employee ($millions) | 3.1046% | 5,815 |
| Cash dividends to net income (ytd only)* | 38.7205% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3757% | 4,352 |
| Loan loss allowance to noncurrent loans | 114.5084% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.9738% | 3,978 |
| Noncurrent loans to loans | 1.2014% | 3,764 |
| Net loans and leases to total assets | 73.5092% | 1,142 |
| Net loans and leases to deposits | 91.1202% | 881 |
| Net loans and leases to core deposits | 96.5683% | 1,173 |
| Total domestic deposits to total assets | 80.6728% | 5,577 |
| Equity capital to assets | 10.1226% | 3,984 |
| Core capital (leverage) ratio | 9.8007% | 3,661 |
| Tier 1 risk-based capital ratio | 12.3664% | 5,666 |
| Total risk-based capital ratio | 13.5953% | 5,638 |
| Memoranda: | ||
| Average total assets | $89,168,000 | 5,119 |
| Average earning assets | $80,028,000 | 5,152 |
| Average equity | $9,339,000 | 5,148 |
| Average total loans | $67,960,500 | 4,422 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3131% | 166 |
| Cost of funding earning assets | 0.6222% | 4,161 |
| Net interest margin | 5.6909% | 132 |
| Noninterest income to average assets | 0.5352% | 3,680 |
| Noninterest expense to average assets | 4.0211% | 955 |
| Loan and lease loss provision to assets | 0.5899% | 938 |
| Net operating income to assets | 1.0227% | 2,241 |
| Return on assets (ROA) | 1.0227% | 2,455 |
| Pretax return on assets | 1.0320% | 3,427 |
| Return on Equity (ROE) | 9.8574% | 2,229 |
| Retained earnings to average equity (ytd only) | 4.5418% | 3,026 |
| Net charge-offs to loans | 0.6642% | 1,774 |
| Credit loss provision to net charge-offs | 115.2273% | 2,517 |
| Earnings coverage of net charge-offs (x) | 3.1682% | 3,850 |
| Efficiency ratio | 71.2577% | 3,576 |
| Assets per employee ($millions) | 2.7483% | 6,372 |
| Cash dividends to net income (ytd only)* | 53.9249% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5609% | 3,470 |
| Loan loss allowance to noncurrent loans | 123.4245% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 1.7043% | 2,843 |
| Noncurrent loans to loans | 1.2646% | 3,718 |
| Net loans and leases to total assets | 76.8363% | 812 |
| Net loans and leases to deposits | 97.0771% | 557 |
| Net loans and leases to core deposits | 104.2903% | 775 |
| Total domestic deposits to total assets | 79.1497% | 5,859 |
| Equity capital to assets | 10.8571% | 3,114 |
| Core capital (leverage) ratio | 9.9215% | 3,512 |
| Tier 1 risk-based capital ratio | 12.2104% | 5,652 |
| Total risk-based capital ratio | 13.4564% | 5,610 |
| Memoranda: | ||
| Average total assets | $85,947,400 | 5,194 |
| Average earning assets | $77,140,800 | 5,211 |
| Average equity | $8,917,200 | 5,245 |
| Average total loans | $66,245,800 | 4,494 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2279% | 199 |
| Cost of funding earning assets | 0.6412% | 4,273 |
| Net interest margin | 5.5867% | 156 |
| Noninterest income to average assets | 0.4644% | 4,185 |
| Noninterest expense to average assets | 3.8404% | 1,141 |
| Loan and lease loss provision to assets | 0.7120% | 708 |
| Net operating income to assets | 0.9349% | 2,815 |
| Return on assets (ROA) | 0.9349% | 3,036 |
| Pretax return on assets | 0.9427% | 3,949 |
| Return on Equity (ROE) | 9.1160% | 2,742 |
| Retained earnings to average equity (ytd only) | 2.2640% | 5,204 |
| Net charge-offs to loans | 0.5802% | 1,888 |
| Credit loss provision to net charge-offs | 159.7222% | 1,751 |
| Earnings coverage of net charge-offs (x) | 3.7118% | 3,542 |
| Efficiency ratio | 69.8873% | 3,707 |
| Assets per employee ($millions) | 2.8494% | 6,293 |
| Cash dividends to net income (ytd only)* | 75.1661% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7047% | 3,133 |
| Loan loss allowance to noncurrent loans | 220.6564% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 1.3257% | 3,641 |
| Noncurrent loans to loans | 0.7725% | 4,864 |
| Net loans and leases to total assets | 74.6156% | 1,158 |
| Net loans and leases to deposits | 93.0470% | 871 |
| Net loans and leases to core deposits | 98.4363% | 1,232 |
| Total domestic deposits to total assets | 80.1913% | 5,605 |
| Equity capital to assets | 10.1359% | 4,301 |
| Core capital (leverage) ratio | 9.4098% | 4,420 |
| Tier 1 risk-based capital ratio | 11.4479% | 6,253 |
| Total risk-based capital ratio | 12.6956% | 6,231 |
| Memoranda: | ||
| Average total assets | $86,134,750 | 5,236 |
| Average earning assets | $77,563,250 | 5,255 |
| Average equity | $8,834,000 | 5,314 |
| Average total loans | $66,182,000 | 4,543 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2159% | 209 |
| Cost of funding earning assets | 0.6688% | 4,285 |
| Net interest margin | 5.5472% | 168 |
| Noninterest income to average assets | 0.4613% | 4,196 |
| Noninterest expense to average assets | 3.8453% | 1,149 |
| Loan and lease loss provision to assets | 0.7611% | 682 |
| Net operating income to assets | 0.8337% | 3,224 |
| Return on assets (ROA) | 0.8337% | 3,488 |
| Pretax return on assets | 0.8665% | 4,209 |
| Return on Equity (ROE) | 8.0961% | 3,215 |
| Retained earnings to average equity (ytd only) | 0.5685% | 5,836 |
| Net charge-offs to loans | 0.7801% | 1,409 |
| Credit loss provision to net charge-offs | 126.4591% | 2,170 |
| Earnings coverage of net charge-offs (x) | 2.7043% | 3,658 |
| Efficiency ratio | 70.2610% | 3,723 |
| Assets per employee ($millions) | 3.1485% | 5,755 |
| Cash dividends to net income (ytd only)* | 92.9775% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5295% | 3,876 |
| Loan loss allowance to noncurrent loans | 93.3513% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 1.4587% | 3,522 |
| Noncurrent loans to loans | 1.6384% | 3,456 |
| Net loans and leases to total assets | 75.8785% | 978 |
| Net loans and leases to deposits | 94.4496% | 734 |
| Net loans and leases to core deposits | 102.3126% | 960 |
| Total domestic deposits to total assets | 80.3376% | 5,652 |
| Equity capital to assets | 10.0093% | 4,323 |
| Core capital (leverage) ratio | 9.6623% | 3,899 |
| Tier 1 risk-based capital ratio | 10.9658% | 6,518 |
| Total risk-based capital ratio | 12.2164% | 6,495 |
| Memoranda: | ||
| Average total assets | $85,403,000 | 5,291 |
| Average earning assets | $77,156,670 | 5,295 |
| Average equity | $8,794,330 | 5,321 |
| Average total loans | $65,892,330 | 4,568 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0771% | 274 |
| Cost of funding earning assets | 0.7026% | 4,257 |
| Net interest margin | 5.3745% | 223 |
| Noninterest income to average assets | 0.4713% | 4,139 |
| Noninterest expense to average assets | 3.8369% | 1,155 |
| Loan and lease loss provision to assets | 0.6903% | 766 |
| Net operating income to assets | 0.8140% | 3,321 |
| Return on assets (ROA) | 0.8140% | 3,554 |
| Pretax return on assets | 0.8236% | 4,328 |
| Return on Equity (ROE) | 7.7909% | 3,364 |
| Retained earnings to average equity (ytd only) | 2.1869% | 5,170 |
| Net charge-offs to loans | 0.4070% | 2,086 |
| Credit loss provision to net charge-offs | 219.6970% | 1,263 |
| Earnings coverage of net charge-offs (x) | 4.8182% | 2,498 |
| Efficiency ratio | 71.7082% | 3,493 |
| Assets per employee ($millions) | 3.0359% | 6,085 |
| Cash dividends to net income (ytd only)* | 71.9298% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5832% | 3,794 |
| Loan loss allowance to noncurrent loans | 84.4730% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.6905% | 3,323 |
| Noncurrent loans to loans | 1.8742% | 3,309 |
| Net loans and leases to total assets | 76.7872% | 719 |
| Net loans and leases to deposits | 96.3980% | 513 |
| Net loans and leases to core deposits | 103.6063% | 787 |
| Total domestic deposits to total assets | 79.6565% | 5,931 |
| Equity capital to assets | 10.3700% | 3,647 |
| Core capital (leverage) ratio | 9.8081% | 3,631 |
| Tier 1 risk-based capital ratio | 11.3586% | 6,355 |
| Total risk-based capital ratio | 12.6104% | 6,338 |
| Memoranda: | ||
| Average total assets | $84,025,500 | 5,361 |
| Average earning assets | $76,286,500 | 5,355 |
| Average equity | $8,779,500 | 5,340 |
| Average total loans | $64,872,500 | 4,623 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1659% | 328 |
| Cost of funding earning assets | 0.8841% | 4,225 |
| Net interest margin | 5.2817% | 246 |
| Noninterest income to average assets | 0.4482% | 4,230 |
| Noninterest expense to average assets | 4.0351% | 989 |
| Loan and lease loss provision to assets | 0.1973% | 4,214 |
| Net operating income to assets | 0.9731% | 2,308 |
| Return on assets (ROA) | 1.0243% | 2,257 |
| Pretax return on assets | 1.0182% | 3,172 |
| Return on Equity (ROE) | 9.8637% | 2,107 |
| Retained earnings to average equity (ytd only) | 2.4395% | 4,481 |
| Net charge-offs to loans | 0.3261% | 3,758 |
| Credit loss provision to net charge-offs | 76.7773% | 4,607 |
| Earnings coverage of net charge-offs (x) | 4.5308% | 3,078 |
| Efficiency ratio | 77.6060% | 2,643 |
| Assets per employee ($millions) | 2.9659% | 6,167 |
| Cash dividends to net income (ytd only)* | 75.2675% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5310% | 3,881 |
| Loan loss allowance to noncurrent loans | 102.4262% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 1.4715% | 3,752 |
| Noncurrent loans to loans | 1.4947% | 3,907 |
| Net loans and leases to total assets | 75.2005% | 1,062 |
| Net loans and leases to deposits | 94.8239% | 752 |
| Net loans and leases to core deposits | 103.1685% | 957 |
| Total domestic deposits to total assets | 79.3054% | 5,914 |
| Equity capital to assets | 10.5291% | 3,504 |
| Core capital (leverage) ratio | 9.7803% | 3,636 |
| Tier 1 risk-based capital ratio | 11.6040% | 6,093 |
| Total risk-based capital ratio | 12.8549% | 6,074 |
| Memoranda: | ||
| Average total assets | $82,104,800 | 5,402 |
| Average earning assets | $73,858,200 | 5,403 |
| Average equity | $8,526,200 | 5,399 |
| Average total loans | $64,698,000 | 4,691 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2365% | 303 |
| Cost of funding earning assets | 0.9192% | 4,279 |
| Net interest margin | 5.3173% | 241 |
| Noninterest income to average assets | 0.4658% | 4,165 |
| Noninterest expense to average assets | 3.8972% | 1,161 |
| Loan and lease loss provision to assets | 0.2280% | 3,730 |
| Net operating income to assets | 1.1172% | 1,913 |
| Return on assets (ROA) | 1.1856% | 1,809 |
| Pretax return on assets | 1.1758% | 2,713 |
| Return on Equity (ROE) | 11.4574% | 1,701 |
| Retained earnings to average equity (ytd only) | 1.4951% | 5,389 |
| Net charge-offs to loans | 0.2399% | 3,921 |
| Credit loss provision to net charge-offs | 119.6581% | 2,723 |
| Earnings coverage of net charge-offs (x) | 7.0084% | 2,435 |
| Efficiency ratio | 74.4787% | 3,088 |
| Assets per employee ($millions) | 3.1996% | 5,682 |
| Cash dividends to net income (ytd only)* | 86.9509% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6105% | 3,610 |
| Loan loss allowance to noncurrent loans | 105.0403% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 1.8909% | 3,282 |
| Noncurrent loans to loans | 1.5332% | 3,983 |
| Net loans and leases to total assets | 76.5245% | 905 |
| Net loans and leases to deposits | 96.4063% | 677 |
| Net loans and leases to core deposits | 106.1141% | 855 |
| Total domestic deposits to total assets | 79.3771% | 5,893 |
| Equity capital to assets | 10.2982% | 3,954 |
| Core capital (leverage) ratio | 9.6767% | 3,879 |
| Tier 1 risk-based capital ratio | 11.1575% | 6,454 |
| Total risk-based capital ratio | 12.4067% | 6,440 |
| Memoranda: | ||
| Average total assets | $81,869,500 | 5,442 |
| Average earning assets | $73,393,500 | 5,465 |
| Average equity | $8,471,750 | 5,440 |
| Average total loans | $65,017,000 | 4,714 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2707% | 288 |
| Cost of funding earning assets | 0.9517% | 4,308 |
| Net interest margin | 5.3190% | 237 |
| Noninterest income to average assets | 0.4789% | 4,037 |
| Noninterest expense to average assets | 3.8806% | 1,226 |
| Loan and lease loss provision to assets | 0.2579% | 3,336 |
| Net operating income to assets | 1.1495% | 1,719 |
| Return on assets (ROA) | 1.2526% | 1,509 |
| Pretax return on assets | 1.2207% | 2,402 |
| Return on Equity (ROE) | 12.0853% | 1,464 |
| Retained earnings to average equity (ytd only) | 0.4976% | 5,653 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8318% | 3,389 |
| Assets per employee ($millions) | 3.1415% | 5,775 |
| Cash dividends to net income (ytd only)* | 95.8824% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7200% | 3,259 |
| Loan loss allowance to noncurrent loans | 186.2583% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.8778% | 5,119 |
| Noncurrent loans to loans | 0.9234% | 5,122 |
| Net loans and leases to total assets | 78.7010% | 680 |
| Net loans and leases to deposits | 99.1700% | 530 |
| Net loans and leases to core deposits | 110.2190% | 713 |
| Total domestic deposits to total assets | 79.3597% | 5,990 |
| Equity capital to assets | 10.2975% | 3,753 |
| Core capital (leverage) ratio | 9.8562% | 3,444 |
| Tier 1 risk-based capital ratio | 11.1804% | 6,392 |
| Total risk-based capital ratio | 12.4310% | 6,385 |
| Memoranda: | ||
| Average total assets | $81,429,670 | 5,507 |
| Average earning assets | $73,133,670 | 5,520 |
| Average equity | $8,440,000 | 5,479 |
| Average total loans | $65,122,000 | 4,751 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2582% | 302 |
| Cost of funding earning assets | 1.0046% | 4,170 |
| Net interest margin | 5.2536% | 238 |
| Noninterest income to average assets | 0.5067% | 3,830 |
| Noninterest expense to average assets | 3.9063% | 1,166 |
| Loan and lease loss provision to assets | 0.0738% | 5,080 |
| Net operating income to assets | 1.2988% | 1,270 |
| Return on assets (ROA) | 1.2988% | 1,308 |
| Pretax return on assets | 1.2349% | 2,247 |
| Return on Equity (ROE) | 12.4904% | 1,328 |
| Retained earnings to average equity (ytd only) | 6.6710% | 2,291 |
| Net charge-offs to loans | -0.0369% | 6,783 |
| Credit loss provision to net charge-offs | -250.0000% | 5,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9057% | 3,345 |
| Assets per employee ($millions) | 3.0693% | 6,005 |
| Cash dividends to net income (ytd only)* | 46.5909% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5735% | 3,854 |
| Loan loss allowance to noncurrent loans | 454.5852% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.6767% | 5,597 |
| Noncurrent loans to loans | 0.3461% | 6,300 |
| Net loans and leases to total assets | 81.5995% | 378 |
| Net loans and leases to deposits | 103.8813% | 318 |
| Net loans and leases to core deposits | 116.0997% | 528 |
| Total domestic deposits to total assets | 78.5507% | 6,284 |
| Equity capital to assets | 10.6714% | 3,016 |
| Core capital (leverage) ratio | 10.0104% | 3,131 |
| Tier 1 risk-based capital ratio | 11.6411% | 5,991 |
| Total risk-based capital ratio | 12.8850% | 5,982 |
| Memoranda: | ||
| Average total assets | $81,304,500 | 5,554 |
| Average earning assets | $72,864,500 | 5,574 |
| Average equity | $8,454,500 | 5,470 |
| Average total loans | $64,979,000 | 4,805 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6422% | 256 |
| Cost of funding earning assets | 1.2630% | 4,123 |
| Net interest margin | 5.3793% | 209 |
| Noninterest income to average assets | 0.4967% | 4,195 |
| Noninterest expense to average assets | 3.8766% | 1,352 |
| Loan and lease loss provision to assets | 0.1040% | 6,102 |
| Net operating income to assets | 1.3028% | 1,166 |
| Return on assets (ROA) | 1.3028% | 1,226 |
| Pretax return on assets | 1.3199% | 1,884 |
| Return on Equity (ROE) | 13.0858% | 1,071 |
| Retained earnings to average equity (ytd only) | 6.0821% | 1,773 |
| Net charge-offs to loans | 0.0308% | 6,497 |
| Credit loss provision to net charge-offs | 425.0000% | 555 |
| Earnings coverage of net charge-offs (x) | 58.2000% | 401 |
| Efficiency ratio | 73.1364% | 3,574 |
| Assets per employee ($millions) | 2.9574% | 6,193 |
| Cash dividends to net income (ytd only)* | 53.5211% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5988% | 3,572 |
| Loan loss allowance to noncurrent loans | 483.4123% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.6304% | 5,740 |
| Noncurrent loans to loans | 0.3307% | 6,393 |
| Net loans and leases to total assets | 75.8136% | 1,315 |
| Net loans and leases to deposits | 95.1399% | 937 |
| Net loans and leases to core deposits | 109.3178% | 960 |
| Total domestic deposits to total assets | 79.6865% | 5,915 |
| Equity capital to assets | 10.1356% | 3,575 |
| Core capital (leverage) ratio | 9.4239% | 3,812 |
| Tier 1 risk-based capital ratio | 11.5708% | 5,847 |
| Total risk-based capital ratio | 12.7137% | 5,938 |
| Memoranda: | ||
| Average total assets | $81,746,600 | 5,542 |
| Average earning assets | $73,002,600 | 5,569 |
| Average equity | $8,138,600 | 5,673 |
| Average total loans | $64,949,600 | 4,873 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6929% | 245 |
| Cost of funding earning assets | 1.2964% | 4,235 |
| Net interest margin | 5.3966% | 209 |
| Noninterest income to average assets | 0.5220% | 4,014 |
| Noninterest expense to average assets | 3.6637% | 1,642 |
| Loan and lease loss provision to assets | 0.1227% | 5,799 |
| Net operating income to assets | 1.5251% | 876 |
| Return on assets (ROA) | 1.5251% | 956 |
| Pretax return on assets | 1.5447% | 1,489 |
| Return on Equity (ROE) | 15.3887% | 795 |
| Retained earnings to average equity (ytd only) | 7.3311% | 1,681 |
| Net charge-offs to loans | -0.0123% | 7,292 |
| Credit loss provision to net charge-offs | -1,250.0000% | 7,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7231% | 4,330 |
| Assets per employee ($millions) | 2.9926% | 6,166 |
| Cash dividends to net income (ytd only)* | 52.3603% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5863% | 3,581 |
| Loan loss allowance to noncurrent loans | 398.8462% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.7077% | 5,696 |
| Noncurrent loans to loans | 0.3977% | 6,406 |
| Net loans and leases to total assets | 76.7797% | 1,265 |
| Net loans and leases to deposits | 96.0798% | 972 |
| Net loans and leases to core deposits | 115.9416% | 748 |
| Total domestic deposits to total assets | 79.9124% | 5,734 |
| Equity capital to assets | 9.9746% | 4,188 |
| Core capital (leverage) ratio | 9.3322% | 4,160 |
| Tier 1 risk-based capital ratio | 10.9294% | 6,440 |
| Total risk-based capital ratio | 12.1660% | 6,428 |
| Memoranda: | ||
| Average total assets | $81,481,500 | 5,618 |
| Average earning assets | $72,612,250 | 5,648 |
| Average equity | $8,075,000 | 5,763 |
| Average total loans | $65,237,250 | 4,933 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7046% | 242 |
| Cost of funding earning assets | 1.3198% | 4,416 |
| Net interest margin | 5.3848% | 204 |
| Noninterest income to average assets | 0.5253% | 3,915 |
| Noninterest expense to average assets | 3.6278% | 1,714 |
| Loan and lease loss provision to assets | 0.1858% | 5,014 |
| Net operating income to assets | 1.5017% | 911 |
| Return on assets (ROA) | 1.5017% | 973 |
| Pretax return on assets | 1.5140% | 1,522 |
| Return on Equity (ROE) | 15.1867% | 820 |
| Retained earnings to average equity (ytd only) | 6.2651% | 2,191 |
| Net charge-offs to loans | -0.1902% | 7,637 |
| Credit loss provision to net charge-offs | -120.9677% | 6,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0930% | 4,565 |
| Assets per employee ($millions) | 3.0134% | 6,118 |
| Cash dividends to net income (ytd only)* | 58.7459% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6279% | 3,332 |
| Loan loss allowance to noncurrent loans | 513.1455% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.6471% | 5,877 |
| Noncurrent loans to loans | 0.3172% | 6,591 |
| Net loans and leases to total assets | 78.2779% | 1,066 |
| Net loans and leases to deposits | 97.3742% | 930 |
| Net loans and leases to core deposits | 121.7075% | 643 |
| Total domestic deposits to total assets | 80.3887% | 5,595 |
| Equity capital to assets | 9.6178% | 4,519 |
| Core capital (leverage) ratio | 9.3643% | 4,017 |
| Tier 1 risk-based capital ratio | 10.6424% | 6,573 |
| Total risk-based capital ratio | 11.8884% | 6,575 |
| Memoranda: | ||
| Average total assets | $80,711,000 | 5,676 |
| Average earning assets | $71,980,330 | 5,708 |
| Average equity | $7,980,670 | 5,812 |
| Average total loans | $65,192,000 | 4,973 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5571% | 327 |
| Cost of funding earning assets | 1.3679% | 4,367 |
| Net interest margin | 5.1892% | 296 |
| Noninterest income to average assets | 0.5122% | 3,951 |
| Noninterest expense to average assets | 3.6968% | 1,526 |
| Loan and lease loss provision to assets | 0.3296% | 3,422 |
| Net operating income to assets | 1.1207% | 1,759 |
| Return on assets (ROA) | 1.1207% | 1,843 |
| Pretax return on assets | 1.1410% | 2,582 |
| Return on Equity (ROE) | 11.1708% | 1,730 |
| Retained earnings to average equity (ytd only) | 7.0260% | 2,122 |
| Net charge-offs to loans | 0.2367% | 3,518 |
| Credit loss provision to net charge-offs | 171.0526% | 2,125 |
| Earnings coverage of net charge-offs (x) | 7.6316% | 2,062 |
| Efficiency ratio | 71.5407% | 4,012 |
| Assets per employee ($millions) | 2.8379% | 6,553 |
| Cash dividends to net income (ytd only)* | 37.1041% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4981% | 3,920 |
| Loan loss allowance to noncurrent loans | 176.4811% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.7652% | 5,620 |
| Noncurrent loans to loans | 0.8489% | 5,616 |
| Net loans and leases to total assets | 81.3390% | 667 |
| Net loans and leases to deposits | 102.4750% | 614 |
| Net loans and leases to core deposits | 127.9842% | 537 |
| Total domestic deposits to total assets | 79.3745% | 5,992 |
| Equity capital to assets | 10.0491% | 3,800 |
| Core capital (leverage) ratio | 9.4509% | 3,852 |
| Tier 1 risk-based capital ratio | 11.7839% | 5,414 |
| Total risk-based capital ratio | 13.0380% | 5,349 |
| Memoranda: | ||
| Average total assets | $78,879,000 | 5,799 |
| Average earning assets | $70,763,000 | 5,822 |
| Average equity | $7,913,500 | 5,877 |
| Average total loans | $64,218,000 | 5,075 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8031% | 379 |
| Cost of funding earning assets | 1.6350% | 4,866 |
| Net interest margin | 5.1681% | 316 |
| Noninterest income to average assets | 0.4251% | 5,005 |
| Noninterest expense to average assets | 3.8774% | 1,545 |
| Loan and lease loss provision to assets | 0.4501% | 4,127 |
| Net operating income to assets | 0.7615% | 2,672 |
| Return on assets (ROA) | 0.7615% | 2,767 |
| Pretax return on assets | 0.7140% | 3,524 |
| Return on Equity (ROE) | 8.0001% | 2,372 |
| Retained earnings to average equity (ytd only) | 4.1380% | 2,320 |
| Net charge-offs to loans | 0.2851% | 4,848 |
| Credit loss provision to net charge-offs | 192.5134% | 2,065 |
| Earnings coverage of net charge-offs (x) | 4.9786% | 2,732 |
| Efficiency ratio | 76.9097% | 3,373 |
| Assets per employee ($millions) | 2.7964% | 6,668 |
| Cash dividends to net income (ytd only)* | 48.2759% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5218% | 3,614 |
| Loan loss allowance to noncurrent loans | 403.3755% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.3321% | 6,614 |
| Noncurrent loans to loans | 0.3773% | 6,525 |
| Net loans and leases to total assets | 79.0122% | 1,179 |
| Net loans and leases to deposits | 99.6408% | 936 |
| Net loans and leases to core deposits | 152.5158% | 451 |
| Total domestic deposits to total assets | 79.2970% | 5,903 |
| Equity capital to assets | 10.0156% | 3,739 |
| Core capital (leverage) ratio | 9.0220% | 4,380 |
| Tier 1 risk-based capital ratio | 12.1906% | 4,781 |
| Total risk-based capital ratio | 13.4446% | 4,736 |
| Memoranda: | ||
| Average total assets | $79,976,000 | 5,732 |
| Average earning assets | $71,438,200 | 5,769 |
| Average equity | $7,612,400 | 6,046 |
| Average total loans | $65,596,800 | 5,040 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8303% | 395 |
| Cost of funding earning assets | 1.6686% | 5,068 |
| Net interest margin | 5.1618% | 320 |
| Noninterest income to average assets | 0.4196% | 5,137 |
| Noninterest expense to average assets | 3.7928% | 1,605 |
| Loan and lease loss provision to assets | 0.4561% | 3,633 |
| Net operating income to assets | 0.8408% | 2,653 |
| Return on assets (ROA) | 0.8408% | 2,716 |
| Pretax return on assets | 0.7778% | 3,604 |
| Return on Equity (ROE) | 8.9475% | 2,278 |
| Retained earnings to average equity (ytd only) | 3.7590% | 3,180 |
| Net charge-offs to loans | 0.1569% | 5,139 |
| Credit loss provision to net charge-offs | 352.5641% | 1,163 |
| Earnings coverage of net charge-offs (x) | 9.5383% | 2,095 |
| Efficiency ratio | 75.4536% | 3,595 |
| Assets per employee ($millions) | 3.1494% | 5,783 |
| Cash dividends to net income (ytd only)* | 57.9884% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 3,613 |
| Loan loss allowance to noncurrent loans | 186.3118% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.9749% | 5,111 |
| Noncurrent loans to loans | 0.7871% | 5,726 |
| Net loans and leases to total assets | 77.4346% | 1,684 |
| Net loans and leases to deposits | 95.6466% | 1,627 |
| Net loans and leases to core deposits | 148.7451% | 608 |
| Total domestic deposits to total assets | 80.9592% | 5,095 |
| Equity capital to assets | 9.1012% | 5,336 |
| Core capital (leverage) ratio | 8.7200% | 5,099 |
| Tier 1 risk-based capital ratio | 11.1491% | 5,815 |
| Total risk-based capital ratio | 12.4021% | 5,749 |
| Memoranda: | ||
| Average total assets | $80,395,500 | 5,749 |
| Average earning assets | $71,756,500 | 5,793 |
| Average equity | $7,555,000 | 6,127 |
| Average total loans | $66,290,750 | 5,053 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0470% | 294 |
| Cost of funding earning assets | 1.7346% | 5,092 |
| Net interest margin | 5.3124% | 240 |
| Noninterest income to average assets | 0.3424% | 5,770 |
| Noninterest expense to average assets | 3.8275% | 1,614 |
| Loan and lease loss provision to assets | 0.3678% | 3,720 |
| Net operating income to assets | 0.9588% | 2,248 |
| Return on assets (ROA) | 0.9588% | 2,348 |
| Pretax return on assets | 0.8624% | 3,464 |
| Return on Equity (ROE) | 10.0885% | 1,991 |
| Retained earnings to average equity (ytd only) | 2.8024% | 3,763 |
| Net charge-offs to loans | 0.0635% | 5,608 |
| Credit loss provision to net charge-offs | 690.4762% | 680 |
| Earnings coverage of net charge-offs (x) | 23.0952% | 1,196 |
| Efficiency ratio | 75.6770% | 3,747 |
| Assets per employee ($millions) | 2.7034% | 6,823 |
| Cash dividends to net income (ytd only)* | 72.2222% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3350% | 4,071 |
| Loan loss allowance to noncurrent loans | 173.0916% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 1.0333% | 4,902 |
| Noncurrent loans to loans | 0.7712% | 5,689 |
| Net loans and leases to total assets | 82.6562% | 837 |
| Net loans and leases to deposits | 102.9060% | 1,001 |
| Net loans and leases to core deposits | 161.4562% | 430 |
| Total domestic deposits to total assets | 80.3221% | 5,346 |
| Equity capital to assets | 9.2921% | 4,886 |
| Core capital (leverage) ratio | 8.8839% | 4,812 |
| Tier 1 risk-based capital ratio | 10.7312% | 6,160 |
| Total risk-based capital ratio | 11.9827% | 6,094 |
| Memoranda: | ||
| Average total assets | $78,849,670 | 5,841 |
| Average earning assets | $69,987,670 | 5,883 |
| Average equity | $7,493,670 | 6,184 |
| Average total loans | $66,112,670 | 5,107 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0635% | 303 |
| Cost of funding earning assets | 1.7965% | 5,129 |
| Net interest margin | 5.2670% | 247 |
| Noninterest income to average assets | 0.2882% | 6,133 |
| Noninterest expense to average assets | 3.7106% | 1,633 |
| Loan and lease loss provision to assets | 0.1287% | 5,309 |
| Net operating income to assets | 1.2918% | 1,398 |
| Return on assets (ROA) | 1.2918% | 1,492 |
| Pretax return on assets | 1.0962% | 2,999 |
| Return on Equity (ROE) | 13.4359% | 1,283 |
| Retained earnings to average equity (ytd only) | 6.5306% | 2,408 |
| Net charge-offs to loans | 0.1350% | 3,881 |
| Credit loss provision to net charge-offs | 113.6364% | 3,415 |
| Earnings coverage of net charge-offs (x) | 10.8182% | 1,918 |
| Efficiency ratio | 75.1825% | 3,624 |
| Assets per employee ($millions) | 2.6179% | 7,054 |
| Cash dividends to net income (ytd only)* | 51.3944% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 4,829 |
| Loan loss allowance to noncurrent loans | 19,650.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.3514% | 6,460 |
| Noncurrent loans to loans | 0.0061% | 7,558 |
| Net loans and leases to total assets | 82.6428% | 909 |
| Net loans and leases to deposits | 105.0718% | 933 |
| Net loans and leases to core deposits | 171.2514% | 326 |
| Total domestic deposits to total assets | 78.6536% | 5,833 |
| Equity capital to assets | 9.5877% | 4,547 |
| Core capital (leverage) ratio | 9.3039% | 4,240 |
| Tier 1 risk-based capital ratio | 11.0323% | 5,883 |
| Total risk-based capital ratio | 12.2494% | 5,806 |
| Memoranda: | ||
| Average total assets | $77,724,000 | 5,895 |
| Average earning assets | $68,578,000 | 5,962 |
| Average equity | $7,472,500 | 6,230 |
| Average total loans | $65,198,000 | 5,160 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1614% | 155 |
| Cost of funding earning assets | 2.5555% | 3,925 |
| Net interest margin | 5.6059% | 173 |
| Noninterest income to average assets | 0.2635% | 6,568 |
| Noninterest expense to average assets | 3.9228% | 1,526 |
| Loan and lease loss provision to assets | 0.0337% | 6,985 |
| Net operating income to assets | 1.1315% | 2,024 |
| Return on assets (ROA) | 1.1315% | 1,941 |
| Pretax return on assets | 1.1590% | 2,813 |
| Return on Equity (ROE) | 12.2475% | 1,539 |
| Retained earnings to average equity (ytd only) | 0.0811% | 5,185 |
| Net charge-offs to loans | 0.1173% | 5,088 |
| Credit loss provision to net charge-offs | 35.0649% | 6,490 |
| Earnings coverage of net charge-offs (x) | 12.4026% | 2,247 |
| Efficiency ratio | 76.6846% | 3,120 |
| Assets per employee ($millions) | 2.5637% | 7,078 |
| Cash dividends to net income (ytd only)* | 99.3377% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 4,455 |
| Loan loss allowance to noncurrent loans | 169.8482% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 1.2001% | 3,846 |
| Noncurrent loans to loans | 0.7125% | 5,259 |
| Net loans and leases to total assets | 83.1114% | 1,026 |
| Net loans and leases to deposits | 108.1647% | 960 |
| Net loans and leases to core deposits | 172.5962% | 364 |
| Total domestic deposits to total assets | 76.8379% | 6,031 |
| Equity capital to assets | 9.6411% | 4,496 |
| Core capital (leverage) ratio | 9.1118% | 4,578 |
| Tier 1 risk-based capital ratio | 10.9071% | 5,805 |
| Total risk-based capital ratio | 12.1266% | 5,750 |
| Memoranda: | ||
| Average total assets | $80,070,200 | 5,706 |
| Average earning assets | $69,301,600 | 5,845 |
| Average equity | $7,397,400 | 6,317 |
| Average total loans | $65,629,400 | 5,037 |