Home > LIBERTY BANK > Performance and Condition Ratios
LIBERTY 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 | 4.8846% | 2,312 |
| Cost of funding earning assets | 0.5532% | 4,138 |
| Net interest margin | 4.3313% | 771 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.3786% | 2,648 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.4689% | 1,080 |
| Return on assets (ROA) | 1.4689% | 1,054 |
| Pretax return on assets | 1.9751% | 699 |
| Return on Equity (ROE) | 13.4100% | 1,626 |
| Retained earnings to average equity (ytd only) | -8.0572% | 4,445 |
| Net charge-offs to loans | -0.0011% | 3,617 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.4016% | 3,648 |
| Assets per employee ($millions) | 4.8595% | 3,736 |
| Cash dividends to net income (ytd only)* | 160.0847% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7069% | 4,113 |
| Loan loss allowance to noncurrent loans | 10,866.6667% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 3,780 |
| Noncurrent loans to loans | 0.0065% | 3,730 |
| Net loans and leases to total assets | 72.4800% | 1,528 |
| Net loans and leases to deposits | 81.7536% | 1,969 |
| Net loans and leases to core deposits | 86.8043% | 2,254 |
| Total domestic deposits to total assets | 88.6600% | 1,167 |
| Equity capital to assets | 10.1213% | 1,933 |
| Core capital (leverage) ratio | 11.1265% | 1,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8835% | 1,096 |
| Memoranda: | ||
| Average total assets | $128,602,600 | 3,564 |
| Average earning assets | $119,478,200 | 3,548 |
| Average equity | $14,086,800 | 3,336 |
| Average total loans | $88,888,200 | 3,303 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7623% | 2,348 |
| Cost of funding earning assets | 0.5051% | 4,127 |
| Net interest margin | 4.2572% | 854 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.0407% | 3,491 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.6464% | 868 |
| Return on assets (ROA) | 1.6464% | 862 |
| Pretax return on assets | 2.2482% | 523 |
| Return on Equity (ROE) | 14.7600% | 1,496 |
| Retained earnings to average equity (ytd only) | 13.8405% | 694 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 47.3760% | 4,073 |
| Assets per employee ($millions) | 4.7802% | 3,752 |
| Cash dividends to net income (ytd only)* | 6.2069% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7101% | 4,120 |
| Loan loss allowance to noncurrent loans | 8,062.5000% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 3,800 |
| Noncurrent loans to loans | 0.0088% | 3,743 |
| Net loans and leases to total assets | 69.8800% | 1,843 |
| Net loans and leases to deposits | 80.0431% | 2,046 |
| Net loans and leases to core deposits | 85.4197% | 2,221 |
| Total domestic deposits to total assets | 87.3000% | 1,801 |
| Equity capital to assets | 11.5522% | 1,165 |
| Core capital (leverage) ratio | 13.2843% | 994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1410% | 687 |
| Memoranda: | ||
| Average total assets | $129,166,250 | 3,571 |
| Average earning assets | $120,108,000 | 3,554 |
| Average equity | $14,411,500 | 3,311 |
| Average total loans | $88,051,750 | 3,318 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6731% | 2,261 |
| Cost of funding earning assets | 0.4661% | 4,047 |
| Net interest margin | 4.2069% | 921 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 1.9598% | 3,690 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.6951% | 792 |
| Return on assets (ROA) | 1.6951% | 794 |
| Pretax return on assets | 2.2848% | 478 |
| Return on Equity (ROE) | 15.3700% | 1,395 |
| Retained earnings to average equity (ytd only) | 13.9835% | 680 |
| Net charge-offs to loans | 0.0046% | 2,115 |
| Credit loss provision to net charge-offs | 600.0000% | 572 |
| Earnings coverage of net charge-offs (x) | 744.0000% | 201 |
| Efficiency ratio | 45.9695% | 4,167 |
| Assets per employee ($millions) | 4.9132% | 3,664 |
| Cash dividends to net income (ytd only)* | 9.0411% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7211% | 4,150 |
| Loan loss allowance to noncurrent loans | 884.7222% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 3,211 |
| Noncurrent loans to loans | 0.0815% | 3,107 |
| Net loans and leases to total assets | 68.6600% | 1,888 |
| Net loans and leases to deposits | 78.5214% | 2,088 |
| Net loans and leases to core deposits | 81.7909% | 2,350 |
| Total domestic deposits to total assets | 87.4400% | 1,790 |
| Equity capital to assets | 11.4589% | 1,211 |
| Core capital (leverage) ratio | 12.7301% | 1,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9534% | 725 |
| Memoranda: | ||
| Average total assets | $129,199,667 | 3,579 |
| Average earning assets | $120,135,667 | 3,565 |
| Average equity | $14,245,333 | 3,331 |
| Average total loans | $87,125,000 | 3,330 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5181% | 2,271 |
| Cost of funding earning assets | 0.4309% | 3,877 |
| Net interest margin | 4.0872% | 1,119 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 1.9606% | 3,712 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.5912% | 1,000 |
| Return on assets (ROA) | 1.5912% | 997 |
| Pretax return on assets | 2.1760% | 591 |
| Return on Equity (ROE) | 14.6800% | 1,628 |
| Retained earnings to average equity (ytd only) | 13.2637% | 1,047 |
| Net charge-offs to loans | 0.0046% | 1,800 |
| Credit loss provision to net charge-offs | 600.0000% | 496 |
| Earnings coverage of net charge-offs (x) | 713.0000% | 164 |
| Efficiency ratio | 47.1852% | 4,144 |
| Assets per employee ($millions) | 5.2986% | 3,422 |
| Cash dividends to net income (ytd only)* | 9.6712% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6445% | 4,313 |
| Loan loss allowance to noncurrent loans | 640.9091% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 3,136 |
| Noncurrent loans to loans | 0.1006% | 3,035 |
| Net loans and leases to total assets | 65.6300% | 2,099 |
| Net loans and leases to deposits | 74.6066% | 2,249 |
| Net loans and leases to core deposits | 79.2449% | 2,306 |
| Total domestic deposits to total assets | 87.9700% | 1,935 |
| Equity capital to assets | 10.8481% | 1,401 |
| Core capital (leverage) ratio | 12.2761% | 1,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2203% | 819 |
| Memoranda: | ||
| Average total assets | $129,961,500 | 3,615 |
| Average earning assets | $120,670,000 | 3,599 |
| Average equity | $14,083,500 | 3,381 |
| Average total loans | $86,516,000 | 3,378 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7403% | 2,429 |
| Cost of funding earning assets | 0.2333% | 3,477 |
| Net interest margin | 3.5070% | 1,908 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.1603% | 3,126 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.1379% | 2,020 |
| Return on assets (ROA) | 1.1379% | 1,967 |
| Pretax return on assets | 1.5384% | 1,330 |
| Return on Equity (ROE) | 10.4200% | 2,671 |
| Retained earnings to average equity (ytd only) | 7.8741% | 1,887 |
| Net charge-offs to loans | 0.0064% | 2,173 |
| Credit loss provision to net charge-offs | 480.0000% | 697 |
| Earnings coverage of net charge-offs (x) | 391.2000% | 395 |
| Efficiency ratio | 58.1067% | 3,327 |
| Assets per employee ($millions) | 5.0983% | 3,598 |
| Cash dividends to net income (ytd only)* | 24.4227% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6536% | 4,282 |
| Loan loss allowance to noncurrent loans | 360.6452% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 2,678 |
| Noncurrent loans to loans | 0.1812% | 2,579 |
| Net loans and leases to total assets | 66.6600% | 1,963 |
| Net loans and leases to deposits | 75.6163% | 2,128 |
| Net loans and leases to core deposits | 81.0321% | 2,073 |
| Total domestic deposits to total assets | 88.1600% | 2,021 |
| Equity capital to assets | 10.8248% | 1,332 |
| Core capital (leverage) ratio | 11.9919% | 1,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7278% | 867 |
| Memoranda: | ||
| Average total assets | $125,582,400 | 3,682 |
| Average earning assets | $117,850,400 | 3,647 |
| Average equity | $13,715,800 | 3,501 |
| Average total loans | $77,871,600 | 3,438 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5123% | 2,582 |
| Cost of funding earning assets | 0.1925% | 3,367 |
| Net interest margin | 3.3198% | 2,238 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 1.9427% | 3,644 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.1648% | 1,839 |
| Return on assets (ROA) | 1.1648% | 1,813 |
| Pretax return on assets | 1.5772% | 1,183 |
| Return on Equity (ROE) | 10.6400% | 2,527 |
| Retained earnings to average equity (ytd only) | 9.1901% | 1,582 |
| Net charge-offs to loans | 0.0088% | 1,803 |
| Credit loss provision to net charge-offs | 360.0000% | 739 |
| Earnings coverage of net charge-offs (x) | 299.6000% | 472 |
| Efficiency ratio | 54.8931% | 3,735 |
| Assets per employee ($millions) | 5.1125% | 3,581 |
| Cash dividends to net income (ytd only)* | 13.6322% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6565% | 4,322 |
| Loan loss allowance to noncurrent loans | 200.7273% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 2,174 |
| Noncurrent loans to loans | 0.3271% | 2,059 |
| Net loans and leases to total assets | 65.3500% | 1,947 |
| Net loans and leases to deposits | 73.8225% | 2,072 |
| Net loans and leases to core deposits | 78.9840% | 1,971 |
| Total domestic deposits to total assets | 88.5300% | 2,267 |
| Equity capital to assets | 10.5115% | 1,363 |
| Core capital (leverage) ratio | 12.0328% | 1,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7285% | 890 |
| Memoranda: | ||
| Average total assets | $125,113,750 | 3,712 |
| Average earning assets | $117,716,000 | 3,676 |
| Average equity | $13,695,500 | 3,545 |
| Average total loans | $75,958,000 | 3,484 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3086% | 2,711 |
| Cost of funding earning assets | 0.1946% | 2,982 |
| Net interest margin | 3.1140% | 2,492 |
| Noninterest income to average assets | 0.4380% | 2,518 |
| Noninterest expense to average assets | 2.0046% | 3,415 |
| Loan and lease loss provision to assets | 0.0193% | 2,256 |
| Net operating income to assets | 1.0047% | 2,136 |
| Return on assets (ROA) | 1.0047% | 2,108 |
| Pretax return on assets | 1.3509% | 1,581 |
| Return on Equity (ROE) | 9.0551% | 2,683 |
| Retained earnings to average equity (ytd only) | 7.6184% | 1,759 |
| Net charge-offs to loans | 0.0164% | 1,421 |
| Credit loss provision to net charge-offs | 200.0000% | 963 |
| Earnings coverage of net charge-offs (x) | 141.8333% | 675 |
| Efficiency ratio | 59.3989% | 3,381 |
| Assets per employee ($millions) | 4.6173% | 3,992 |
| Cash dividends to net income (ytd only)* | 15.8654% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7043% | 4,327 |
| Loan loss allowance to noncurrent loans | 225.2066% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.1941% | 2,368 |
| Noncurrent loans to loans | 0.3127% | 2,221 |
| Net loans and leases to total assets | 61.6373% | 2,163 |
| Net loans and leases to deposits | 69.6942% | 2,243 |
| Net loans and leases to core deposits | 72.7257% | 2,258 |
| Total domestic deposits to total assets | 88.4397% | 2,408 |
| Equity capital to assets | 10.6002% | 1,389 |
| Core capital (leverage) ratio | 11.7516% | 1,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5832% | 771 |
| Memoranda: | ||
| Average total assets | $124,214,000 | 3,764 |
| Average earning assets | $117,149,000 | 3,735 |
| Average equity | $13,782,333 | 3,605 |
| Average total loans | $73,250,667 | 3,566 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1792% | 2,750 |
| Cost of funding earning assets | 0.1983% | 2,824 |
| Net interest margin | 2.9809% | 2,566 |
| Noninterest income to average assets | 0.4323% | 2,483 |
| Noninterest expense to average assets | 2.0067% | 3,411 |
| Loan and lease loss provision to assets | 0.0194% | 2,005 |
| Net operating income to assets | 0.8936% | 2,299 |
| Return on assets (ROA) | 0.8936% | 2,300 |
| Pretax return on assets | 1.2195% | 1,739 |
| Return on Equity (ROE) | 7.8772% | 2,727 |
| Retained earnings to average equity (ytd only) | 6.4837% | 2,080 |
| Net charge-offs to loans | -0.0056% | 3,373 |
| Credit loss provision to net charge-offs | -600.0000% | 3,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8290% | 3,284 |
| Assets per employee ($millions) | 4.6587% | 4,031 |
| Cash dividends to net income (ytd only)* | 17.6895% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7555% | 4,310 |
| Loan loss allowance to noncurrent loans | 162.9851% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.2663% | 2,079 |
| Noncurrent loans to loans | 0.4635% | 1,868 |
| Net loans and leases to total assets | 57.0222% | 2,414 |
| Net loans and leases to deposits | 64.7125% | 2,463 |
| Net loans and leases to core deposits | 68.0635% | 2,454 |
| Total domestic deposits to total assets | 88.1163% | 2,475 |
| Equity capital to assets | 10.9146% | 1,377 |
| Core capital (leverage) ratio | 11.5606% | 1,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5222% | 693 |
| Memoranda: | ||
| Average total assets | $123,987,000 | 3,783 |
| Average earning assets | $117,011,000 | 3,758 |
| Average equity | $14,066,000 | 3,651 |
| Average total loans | $71,182,500 | 3,599 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2892% | 3,244 |
| Cost of funding earning assets | 0.2762% | 2,638 |
| Net interest margin | 3.0130% | 3,160 |
| Noninterest income to average assets | 0.8291% | 1,381 |
| Noninterest expense to average assets | 2.0830% | 3,430 |
| Loan and lease loss provision to assets | 0.1844% | 616 |
| Net operating income to assets | 1.0440% | 2,505 |
| Return on assets (ROA) | 1.0440% | 2,583 |
| Pretax return on assets | 1.4087% | 2,026 |
| Return on Equity (ROE) | 8.9420% | 2,935 |
| Retained earnings to average equity (ytd only) | 6.4809% | 2,140 |
| Net charge-offs to loans | 0.2743% | 324 |
| Credit loss provision to net charge-offs | 115.4639% | 1,675 |
| Earnings coverage of net charge-offs (x) | 9.9742% | 2,231 |
| Efficiency ratio | 56.6629% | 3,620 |
| Assets per employee ($millions) | 4.6995% | 3,969 |
| Cash dividends to net income (ytd only)* | 27.5237% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7704% | 4,315 |
| Loan loss allowance to noncurrent loans | 168.7500% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.2619% | 2,239 |
| Noncurrent loans to loans | 0.4565% | 1,991 |
| Net loans and leases to total assets | 56.9229% | 2,487 |
| Net loans and leases to deposits | 65.2235% | 2,576 |
| Net loans and leases to core deposits | 68.9941% | 2,551 |
| Total domestic deposits to total assets | 87.2737% | 2,402 |
| Equity capital to assets | 11.7876% | 1,350 |
| Core capital (leverage) ratio | 11.3235% | 1,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8599% | 670 |
| Memoranda: | ||
| Average total assets | $121,459,400 | 3,783 |
| Average earning assets | $114,769,400 | 3,750 |
| Average equity | $14,180,200 | 3,725 |
| Average total loans | $70,721,600 | 3,633 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2833% | 3,433 |
| Cost of funding earning assets | 0.2957% | 2,634 |
| Net interest margin | 2.9876% | 3,341 |
| Noninterest income to average assets | 1.0004% | 1,068 |
| Noninterest expense to average assets | 1.8019% | 4,164 |
| Loan and lease loss provision to assets | 0.2399% | 393 |
| Net operating income to assets | 1.3072% | 1,804 |
| Return on assets (ROA) | 1.3072% | 1,861 |
| Pretax return on assets | 1.7799% | 1,207 |
| Return on Equity (ROE) | 11.2237% | 2,299 |
| Retained earnings to average equity (ytd only) | 9.8172% | 1,378 |
| Net charge-offs to loans | 0.3668% | 212 |
| Credit loss provision to net charge-offs | 111.7949% | 1,506 |
| Earnings coverage of net charge-offs (x) | 9.4205% | 2,076 |
| Efficiency ratio | 47.1519% | 4,431 |
| Assets per employee ($millions) | 4.8032% | 3,891 |
| Cash dividends to net income (ytd only)* | 12.5315% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7312% | 4,446 |
| Loan loss allowance to noncurrent loans | 118.1818% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.3611% | 1,994 |
| Noncurrent loans to loans | 0.6187% | 1,764 |
| Net loans and leases to total assets | 57.9406% | 2,503 |
| Net loans and leases to deposits | 66.3457% | 2,599 |
| Net loans and leases to core deposits | 70.3577% | 2,563 |
| Total domestic deposits to total assets | 87.3313% | 2,197 |
| Equity capital to assets | 11.7526% | 1,512 |
| Core capital (leverage) ratio | 11.5189% | 1,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1317% | 793 |
| Memoranda: | ||
| Average total assets | $121,277,250 | 3,831 |
| Average earning assets | $114,516,250 | 3,794 |
| Average equity | $14,124,500 | 3,776 |
| Average total loans | $70,878,750 | 3,686 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2979% | 3,431 |
| Cost of funding earning assets | 0.3298% | 2,489 |
| Net interest margin | 2.9681% | 3,399 |
| Noninterest income to average assets | 1.3375% | 662 |
| Noninterest expense to average assets | 1.8222% | 4,134 |
| Loan and lease loss provision to assets | 0.3531% | 211 |
| Net operating income to assets | 1.4374% | 1,458 |
| Return on assets (ROA) | 1.4374% | 1,526 |
| Pretax return on assets | 1.9654% | 893 |
| Return on Equity (ROE) | 12.3813% | 1,919 |
| Retained earnings to average equity (ytd only) | 11.6640% | 985 |
| Net charge-offs to loans | 0.5612% | 144 |
| Credit loss provision to net charge-offs | 107.6142% | 1,323 |
| Earnings coverage of net charge-offs (x) | 7.0660% | 1,932 |
| Efficiency ratio | 44.0064% | 4,614 |
| Assets per employee ($millions) | 4.5082% | 4,100 |
| Cash dividends to net income (ytd only)* | 5.7937% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7343% | 4,478 |
| Loan loss allowance to noncurrent loans | 87.6461% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 0.4921% | 1,702 |
| Noncurrent loans to loans | 0.8378% | 1,467 |
| Net loans and leases to total assets | 58.3071% | 2,629 |
| Net loans and leases to deposits | 66.7683% | 2,749 |
| Net loans and leases to core deposits | 69.9521% | 2,788 |
| Total domestic deposits to total assets | 87.3276% | 2,157 |
| Equity capital to assets | 11.7334% | 1,499 |
| Core capital (leverage) ratio | 11.3895% | 1,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8841% | 825 |
| Memoranda: | ||
| Average total assets | $120,075,333 | 3,852 |
| Average earning assets | $113,405,000 | 3,816 |
| Average equity | $13,940,333 | 3,798 |
| Average total loans | $70,208,000 | 3,714 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3266% | 3,389 |
| Cost of funding earning assets | 0.3704% | 2,350 |
| Net interest margin | 2.9562% | 3,363 |
| Noninterest income to average assets | 1.3618% | 706 |
| Noninterest expense to average assets | 1.8616% | 4,082 |
| Loan and lease loss provision to assets | 0.6910% | 77 |
| Net operating income to assets | 1.1740% | 2,252 |
| Return on assets (ROA) | 1.1740% | 2,321 |
| Pretax return on assets | 1.5933% | 1,747 |
| Return on Equity (ROE) | 10.1674% | 2,640 |
| Retained earnings to average equity (ytd only) | 10.1674% | 1,609 |
| Net charge-offs to loans | 1.1385% | 63 |
| Credit loss provision to net charge-offs | 104.0404% | 1,092 |
| Earnings coverage of net charge-offs (x) | 3.4394% | 1,765 |
| Efficiency ratio | 44.9029% | 4,527 |
| Assets per employee ($millions) | 4.7429% | 3,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7433% | 4,498 |
| Loan loss allowance to noncurrent loans | 141.1444% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.3601% | 2,357 |
| Noncurrent loans to loans | 0.5266% | 2,276 |
| Net loans and leases to total assets | 56.0917% | 3,027 |
| Net loans and leases to deposits | 63.8966% | 3,134 |
| Net loans and leases to core deposits | 67.6281% | 3,089 |
| Total domestic deposits to total assets | 87.7850% | 1,957 |
| Equity capital to assets | 11.2556% | 1,681 |
| Core capital (leverage) ratio | 11.4227% | 1,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2720% | 758 |
| Memoranda: | ||
| Average total assets | $119,252,500 | 3,872 |
| Average earning assets | $112,305,500 | 3,839 |
| Average equity | $13,769,500 | 3,817 |
| Average total loans | $69,563,500 | 3,749 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0265% | 2,652 |
| Cost of funding earning assets | 0.5094% | 2,889 |
| Net interest margin | 3.5171% | 2,421 |
| Noninterest income to average assets | 0.4990% | 2,637 |
| Noninterest expense to average assets | 2.2002% | 3,665 |
| Loan and lease loss provision to assets | 0.0681% | 3,526 |
| Net operating income to assets | 1.1215% | 1,830 |
| Return on assets (ROA) | 1.1222% | 1,951 |
| Pretax return on assets | 1.5116% | 1,299 |
| Return on Equity (ROE) | 9.2057% | 2,307 |
| Retained earnings to average equity (ytd only) | 6.5701% | 1,564 |
| Net charge-offs to loans | 0.0225% | 2,599 |
| Credit loss provision to net charge-offs | 462.5000% | 1,315 |
| Earnings coverage of net charge-offs (x) | 107.1875% | 753 |
| Efficiency ratio | 58.2217% | 3,695 |
| Assets per employee ($millions) | 4.4303% | 3,989 |
| Cash dividends to net income (ytd only)* | 28.6300% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7345% | 4,536 |
| Loan loss allowance to noncurrent loans | 35.3675% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 1.7059% | 383 |
| Noncurrent loans to loans | 2.0766% | 537 |
| Net loans and leases to total assets | 59.8399% | 2,885 |
| Net loans and leases to deposits | 68.6380% | 3,017 |
| Net loans and leases to core deposits | 73.5188% | 2,951 |
| Total domestic deposits to total assets | 87.1819% | 1,850 |
| Equity capital to assets | 11.8579% | 1,644 |
| Core capital (leverage) ratio | 11.4929% | 1,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7675% | 799 |
| Memoranda: | ||
| Average total assets | $108,628,000 | 3,890 |
| Average earning assets | $101,303,800 | 3,879 |
| Average equity | $13,241,800 | 3,837 |
| Average total loans | $70,953,600 | 3,716 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1325% | 2,579 |
| Cost of funding earning assets | 0.5258% | 3,072 |
| Net interest margin | 3.6067% | 2,252 |
| Noninterest income to average assets | 0.5633% | 2,334 |
| Noninterest expense to average assets | 1.9952% | 4,155 |
| Loan and lease loss provision to assets | 0.0851% | 3,248 |
| Net operating income to assets | 1.3574% | 1,209 |
| Return on assets (ROA) | 1.3584% | 1,310 |
| Pretax return on assets | 1.8444% | 720 |
| Return on Equity (ROE) | 11.0622% | 1,656 |
| Retained earnings to average equity (ytd only) | 9.5500% | 855 |
| Net charge-offs to loans | 0.0019% | 3,141 |
| Credit loss provision to net charge-offs | 6,800.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 1,547.0000% | 78 |
| Efficiency ratio | 50.8577% | 4,429 |
| Assets per employee ($millions) | 4.4181% | 3,935 |
| Cash dividends to net income (ytd only)* | 13.6697% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7219% | 4,532 |
| Loan loss allowance to noncurrent loans | 37.2043% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 1.7211% | 449 |
| Noncurrent loans to loans | 1.9403% | 639 |
| Net loans and leases to total assets | 62.1381% | 2,989 |
| Net loans and leases to deposits | 71.3659% | 3,190 |
| Net loans and leases to core deposits | 76.2610% | 3,147 |
| Total domestic deposits to total assets | 87.0697% | 1,638 |
| Equity capital to assets | 11.9770% | 1,688 |
| Core capital (leverage) ratio | 12.0148% | 1,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3475% | 865 |
| Memoranda: | ||
| Average total assets | $106,987,750 | 3,909 |
| Average earning assets | $99,663,750 | 3,895 |
| Average equity | $13,137,500 | 3,854 |
| Average total loans | $71,332,250 | 3,719 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2840% | 2,516 |
| Cost of funding earning assets | 0.5584% | 3,190 |
| Net interest margin | 3.7256% | 2,074 |
| Noninterest income to average assets | 0.6343% | 1,997 |
| Noninterest expense to average assets | 2.0218% | 4,190 |
| Loan and lease loss provision to assets | 0.1188% | 2,832 |
| Net operating income to assets | 1.4454% | 1,029 |
| Return on assets (ROA) | 1.4469% | 1,113 |
| Pretax return on assets | 1.9605% | 594 |
| Return on Equity (ROE) | 11.6777% | 1,423 |
| Retained earnings to average equity (ytd only) | 10.1464% | 770 |
| Net charge-offs to loans | 0.0028% | 2,894 |
| Credit loss provision to net charge-offs | 6,200.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 1,084.0000% | 82 |
| Efficiency ratio | 49.3221% | 4,542 |
| Assets per employee ($millions) | 4.2589% | 4,045 |
| Cash dividends to net income (ytd only)* | 13.1126% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7140% | 4,534 |
| Loan loss allowance to noncurrent loans | 32.7168% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 1.9281% | 393 |
| Noncurrent loans to loans | 2.1825% | 585 |
| Net loans and leases to total assets | 64.4177% | 2,835 |
| Net loans and leases to deposits | 74.3132% | 3,047 |
| Net loans and leases to core deposits | 78.1170% | 3,094 |
| Total domestic deposits to total assets | 86.6841% | 1,738 |
| Equity capital to assets | 12.1311% | 1,584 |
| Core capital (leverage) ratio | 12.0533% | 1,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8436% | 930 |
| Memoranda: | ||
| Average total assets | $104,360,333 | 3,936 |
| Average earning assets | $97,059,333 | 3,926 |
| Average equity | $12,930,667 | 3,875 |
| Average total loans | $71,144,000 | 3,730 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4481% | 2,449 |
| Cost of funding earning assets | 0.5860% | 3,505 |
| Net interest margin | 3.8622% | 1,788 |
| Noninterest income to average assets | 0.4942% | 2,579 |
| Noninterest expense to average assets | 2.0993% | 4,218 |
| Loan and lease loss provision to assets | 0.0237% | 3,506 |
| Net operating income to assets | 1.4337% | 917 |
| Return on assets (ROA) | 1.4431% | 970 |
| Pretax return on assets | 1.9531% | 507 |
| Return on Equity (ROE) | 11.5146% | 1,256 |
| Retained earnings to average equity (ytd only) | 9.9373% | 757 |
| Net charge-offs to loans | 0.0057% | 2,369 |
| Credit loss provision to net charge-offs | 600.0000% | 790 |
| Earnings coverage of net charge-offs (x) | 497.0000% | 130 |
| Efficiency ratio | 51.6537% | 4,570 |
| Assets per employee ($millions) | 3.9523% | 3,992 |
| Cash dividends to net income (ytd only)* | 13.6986% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6414% | 4,702 |
| Loan loss allowance to noncurrent loans | 43.0320% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 1.5853% | 651 |
| Noncurrent loans to loans | 1.4905% | 1,072 |
| Net loans and leases to total assets | 68.8913% | 2,408 |
| Net loans and leases to deposits | 79.7360% | 2,707 |
| Net loans and leases to core deposits | 84.5096% | 2,806 |
| Total domestic deposits to total assets | 86.3992% | 1,826 |
| Equity capital to assets | 12.4096% | 1,789 |
| Core capital (leverage) ratio | 12.6025% | 1,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8787% | 998 |
| Memoranda: | ||
| Average total assets | $101,174,500 | 3,972 |
| Average earning assets | $93,523,000 | 3,973 |
| Average equity | $12,679,500 | 3,919 |
| Average total loans | $70,794,000 | 3,748 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6104% | 2,570 |
| Cost of funding earning assets | 0.5088% | 4,048 |
| Net interest margin | 4.1016% | 1,536 |
| Noninterest income to average assets | 0.5069% | 2,692 |
| Noninterest expense to average assets | 2.5714% | 3,255 |
| Loan and lease loss provision to assets | 0.0503% | 3,016 |
| Net operating income to assets | 1.2409% | 1,901 |
| Return on assets (ROA) | 1.2344% | 2,017 |
| Pretax return on assets | 1.6571% | 1,315 |
| Return on Equity (ROE) | 9.9202% | 2,331 |
| Retained earnings to average equity (ytd only) | 7.6360% | 1,101 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9809% | 3,698 |
| Assets per employee ($millions) | 3.8304% | 4,121 |
| Cash dividends to net income (ytd only)* | 23.0258% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6426% | 4,666 |
| Loan loss allowance to noncurrent loans | 54.2617% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.4058% | 746 |
| Noncurrent loans to loans | 1.1843% | 1,278 |
| Net loans and leases to total assets | 70.1747% | 2,373 |
| Net loans and leases to deposits | 81.4259% | 2,625 |
| Net loans and leases to core deposits | 86.6482% | 2,741 |
| Total domestic deposits to total assets | 86.1823% | 1,992 |
| Equity capital to assets | 12.6589% | 1,730 |
| Core capital (leverage) ratio | 12.4904% | 1,490 |
| Tier 1 risk-based capital ratio | 17.9845% | 1,765 |
| Total risk-based capital ratio | 18.6342% | 1,882 |
| Memoranda: | ||
| Average total assets | $97,456,600 | 4,041 |
| Average earning assets | $89,819,600 | 4,046 |
| Average equity | $12,126,800 | 3,981 |
| Average total loans | $68,649,400 | 3,800 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5947% | 2,743 |
| Cost of funding earning assets | 0.4801% | 4,222 |
| Net interest margin | 4.1146% | 1,579 |
| Noninterest income to average assets | 0.5049% | 2,694 |
| Noninterest expense to average assets | 2.3358% | 3,861 |
| Loan and lease loss provision to assets | 0.0591% | 2,709 |
| Net operating income to assets | 1.3926% | 1,497 |
| Return on assets (ROA) | 1.3839% | 1,586 |
| Pretax return on assets | 1.8832% | 902 |
| Return on Equity (ROE) | 11.1712% | 1,941 |
| Retained earnings to average equity (ytd only) | 10.3162% | 679 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4580% | 4,338 |
| Assets per employee ($millions) | 3.8938% | 4,038 |
| Cash dividends to net income (ytd only)* | 7.6538% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6478% | 4,739 |
| Loan loss allowance to noncurrent loans | 48.4783% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 1.4688% | 773 |
| Noncurrent loans to loans | 1.3363% | 1,148 |
| Net loans and leases to total assets | 67.5612% | 2,858 |
| Net loans and leases to deposits | 78.2195% | 3,075 |
| Net loans and leases to core deposits | 84.0427% | 3,087 |
| Total domestic deposits to total assets | 86.3740% | 1,837 |
| Equity capital to assets | 12.4802% | 1,923 |
| Core capital (leverage) ratio | 12.8565% | 1,401 |
| Tier 1 risk-based capital ratio | 18.1775% | 1,767 |
| Total risk-based capital ratio | 18.8253% | 1,889 |
| Memoranda: | ||
| Average total assets | $96,923,250 | 4,091 |
| Average earning assets | $89,143,250 | 4,104 |
| Average equity | $12,006,750 | 4,035 |
| Average total loans | $68,227,000 | 3,847 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5883% | 2,711 |
| Cost of funding earning assets | 0.4607% | 4,282 |
| Net interest margin | 4.1276% | 1,529 |
| Noninterest income to average assets | 0.5090% | 2,627 |
| Noninterest expense to average assets | 2.4528% | 3,599 |
| Loan and lease loss provision to assets | 0.0251% | 3,308 |
| Net operating income to assets | 1.3517% | 1,568 |
| Return on assets (ROA) | 1.3384% | 1,686 |
| Pretax return on assets | 1.8055% | 1,013 |
| Return on Equity (ROE) | 10.8330% | 2,048 |
| Retained earnings to average equity (ytd only) | 9.9684% | 768 |
| Net charge-offs to loans | 0.0029% | 3,063 |
| Credit loss provision to net charge-offs | 1,200.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 882.0000% | 81 |
| Efficiency ratio | 57.0385% | 4,127 |
| Assets per employee ($millions) | 3.4983% | 4,499 |
| Cash dividends to net income (ytd only)* | 7.9812% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6054% | 4,866 |
| Loan loss allowance to noncurrent loans | 47.2603% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 1.8845% | 519 |
| Noncurrent loans to loans | 1.2810% | 1,236 |
| Net loans and leases to total assets | 71.9623% | 2,218 |
| Net loans and leases to deposits | 83.7475% | 2,516 |
| Net loans and leases to core deposits | 88.2352% | 2,777 |
| Total domestic deposits to total assets | 85.9277% | 2,071 |
| Equity capital to assets | 12.9363% | 1,613 |
| Core capital (leverage) ratio | 12.9419% | 1,325 |
| Tier 1 risk-based capital ratio | 17.8043% | 1,854 |
| Total risk-based capital ratio | 18.4099% | 1,989 |
| Memoranda: | ||
| Average total assets | $95,484,330 | 4,138 |
| Average earning assets | $87,701,670 | 4,148 |
| Average equity | $11,797,330 | 4,074 |
| Average total loans | $68,021,000 | 3,880 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5018% | 2,858 |
| Cost of funding earning assets | 0.4229% | 4,390 |
| Net interest margin | 4.0789% | 1,610 |
| Noninterest income to average assets | 0.4667% | 2,755 |
| Noninterest expense to average assets | 2.4834% | 3,558 |
| Loan and lease loss provision to assets | 0.0250% | 3,103 |
| Net operating income to assets | 1.2542% | 1,871 |
| Return on assets (ROA) | 1.2542% | 1,916 |
| Pretax return on assets | 1.6959% | 1,217 |
| Return on Equity (ROE) | 10.3914% | 2,198 |
| Retained earnings to average equity (ytd only) | 9.4938% | 1,164 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0684% | 3,942 |
| Assets per employee ($millions) | 3.5214% | 4,539 |
| Cash dividends to net income (ytd only)* | 8.6379% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6065% | 4,920 |
| Loan loss allowance to noncurrent loans | 54.1722% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 1.7449% | 623 |
| Noncurrent loans to loans | 1.1196% | 1,493 |
| Net loans and leases to total assets | 70.4972% | 2,406 |
| Net loans and leases to deposits | 81.4970% | 2,661 |
| Net loans and leases to core deposits | 86.5380% | 2,823 |
| Total domestic deposits to total assets | 86.5028% | 2,068 |
| Equity capital to assets | 12.4107% | 1,794 |
| Core capital (leverage) ratio | 12.5758% | 1,463 |
| Tier 1 risk-based capital ratio | 17.4779% | 1,945 |
| Total risk-based capital ratio | 18.0805% | 2,114 |
| Memoranda: | ||
| Average total assets | $95,999,000 | 4,170 |
| Average earning assets | $87,965,500 | 4,179 |
| Average equity | $11,586,500 | 4,117 |
| Average total loans | $67,838,500 | 3,924 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3276% | 3,016 |
| Cost of funding earning assets | 0.3372% | 4,366 |
| Net interest margin | 3.9903% | 2,013 |
| Noninterest income to average assets | 0.5162% | 2,741 |
| Noninterest expense to average assets | 2.6423% | 3,204 |
| Loan and lease loss provision to assets | 0.1455% | 1,470 |
| Net operating income to assets | 1.0496% | 2,806 |
| Return on assets (ROA) | 1.0496% | 2,791 |
| Pretax return on assets | 1.3880% | 2,181 |
| Return on Equity (ROE) | 8.7916% | 3,096 |
| Retained earnings to average equity (ytd only) | 7.8709% | 1,291 |
| Net charge-offs to loans | 0.0816% | 1,971 |
| Credit loss provision to net charge-offs | 264.7059% | 1,129 |
| Earnings coverage of net charge-offs (x) | 27.9020% | 1,674 |
| Efficiency ratio | 63.2774% | 3,290 |
| Assets per employee ($millions) | 3.3420% | 4,708 |
| Cash dividends to net income (ytd only)* | 10.4723% | 3,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5906% | 4,986 |
| Loan loss allowance to noncurrent loans | 45.3318% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 1.8500% | 545 |
| Noncurrent loans to loans | 1.3028% | 1,210 |
| Net loans and leases to total assets | 69.9935% | 2,560 |
| Net loans and leases to deposits | 80.1231% | 2,942 |
| Net loans and leases to core deposits | 85.2374% | 2,978 |
| Total domestic deposits to total assets | 87.3575% | 1,607 |
| Equity capital to assets | 11.7345% | 2,074 |
| Core capital (leverage) ratio | 12.2336% | 1,598 |
| Tier 1 risk-based capital ratio | 16.6501% | 2,186 |
| Total risk-based capital ratio | 17.2293% | 2,354 |
| Memoranda: | ||
| Average total assets | $92,798,400 | 4,220 |
| Average earning assets | $85,105,400 | 4,233 |
| Average equity | $11,078,800 | 4,147 |
| Average total loans | $62,471,400 | 4,036 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2434% | 3,167 |
| Cost of funding earning assets | 0.3324% | 4,294 |
| Net interest margin | 3.9110% | 2,256 |
| Noninterest income to average assets | 0.5318% | 2,665 |
| Noninterest expense to average assets | 2.4554% | 3,718 |
| Loan and lease loss provision to assets | 0.0683% | 2,609 |
| Net operating income to assets | 1.2001% | 2,238 |
| Return on assets (ROA) | 1.2001% | 2,241 |
| Pretax return on assets | 1.5982% | 1,589 |
| Return on Equity (ROE) | 10.0071% | 2,622 |
| Retained earnings to average equity (ytd only) | 9.0742% | 1,187 |
| Net charge-offs to loans | 0.0044% | 3,298 |
| Credit loss provision to net charge-offs | 2,350.0000% | 178 |
| Earnings coverage of net charge-offs (x) | 572.7715% | 157 |
| Efficiency ratio | 59.5700% | 3,871 |
| Assets per employee ($millions) | 3.1712% | 4,909 |
| Cash dividends to net income (ytd only)* | 9.3216% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5556% | 5,116 |
| Loan loss allowance to noncurrent loans | 33.6725% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 2.1584% | 465 |
| Noncurrent loans to loans | 1.6499% | 953 |
| Net loans and leases to total assets | 70.8476% | 2,523 |
| Net loans and leases to deposits | 81.6530% | 2,860 |
| Net loans and leases to core deposits | 86.8259% | 2,936 |
| Total domestic deposits to total assets | 86.7667% | 1,838 |
| Equity capital to assets | 12.2840% | 1,710 |
| Core capital (leverage) ratio | 12.5270% | 1,485 |
| Tier 1 risk-based capital ratio | 17.0886% | 2,071 |
| Total risk-based capital ratio | 17.6312% | 2,251 |
| Memoranda: | ||
| Average total assets | $91,768,250 | 4,283 |
| Average earning assets | $84,238,000 | 4,293 |
| Average equity | $11,005,250 | 4,195 |
| Average total loans | $61,029,250 | 4,111 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1301% | 3,346 |
| Cost of funding earning assets | 0.3292% | 4,210 |
| Net interest margin | 3.8009% | 2,564 |
| Noninterest income to average assets | 0.5561% | 2,544 |
| Noninterest expense to average assets | 2.4121% | 3,863 |
| Loan and lease loss provision to assets | 0.0807% | 2,298 |
| Net operating income to assets | 1.1777% | 2,288 |
| Return on assets (ROA) | 1.1777% | 2,290 |
| Pretax return on assets | 1.5637% | 1,624 |
| Return on Equity (ROE) | 9.9010% | 2,612 |
| Retained earnings to average equity (ytd only) | 8.9659% | 1,232 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4624% | 4,017 |
| Assets per employee ($millions) | 2.9777% | 5,113 |
| Cash dividends to net income (ytd only)* | 9.4444% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5811% | 5,137 |
| Loan loss allowance to noncurrent loans | 35.0394% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 2.1784% | 457 |
| Noncurrent loans to loans | 1.6585% | 963 |
| Net loans and leases to total assets | 68.1760% | 2,836 |
| Net loans and leases to deposits | 78.6921% | 3,089 |
| Net loans and leases to core deposits | 81.6219% | 3,276 |
| Total domestic deposits to total assets | 86.6364% | 2,001 |
| Equity capital to assets | 12.4155% | 1,587 |
| Core capital (leverage) ratio | 12.2536% | 1,567 |
| Tier 1 risk-based capital ratio | 17.7790% | 1,862 |
| Total risk-based capital ratio | 18.3440% | 2,016 |
| Memoranda: | ||
| Average total assets | $91,702,670 | 4,324 |
| Average earning assets | $84,452,670 | 4,326 |
| Average equity | $10,908,000 | 4,241 |
| Average total loans | $59,532,670 | 4,172 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9893% | 3,643 |
| Cost of funding earning assets | 0.3270% | 4,150 |
| Net interest margin | 3.6624% | 2,948 |
| Noninterest income to average assets | 0.5641% | 2,454 |
| Noninterest expense to average assets | 2.3254% | 4,128 |
| Loan and lease loss provision to assets | 0.1335% | 1,411 |
| Net operating income to assets | 1.1153% | 2,354 |
| Return on assets (ROA) | 1.1153% | 2,374 |
| Pretax return on assets | 1.4814% | 1,723 |
| Return on Equity (ROE) | 9.5780% | 2,650 |
| Retained earnings to average equity (ytd only) | 8.6165% | 1,613 |
| Net charge-offs to loans | -0.0136% | 4,377 |
| Credit loss provision to net charge-offs | -1,550.0000% | 4,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0164% | 4,215 |
| Assets per employee ($millions) | 3.3312% | 4,864 |
| Cash dividends to net income (ytd only)* | 10.0386% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5979% | 5,186 |
| Loan loss allowance to noncurrent loans | 43.2432% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 1.9609% | 587 |
| Noncurrent loans to loans | 1.3826% | 1,290 |
| Net loans and leases to total assets | 62.7442% | 3,454 |
| Net loans and leases to deposits | 71.8174% | 3,627 |
| Net loans and leases to core deposits | 75.1300% | 3,732 |
| Total domestic deposits to total assets | 87.3663% | 1,971 |
| Equity capital to assets | 11.6474% | 2,031 |
| Core capital (leverage) ratio | 11.8557% | 1,743 |
| Tier 1 risk-based capital ratio | 18.2028% | 1,770 |
| Total risk-based capital ratio | 18.7881% | 1,919 |
| Memoranda: | ||
| Average total assets | $92,888,000 | 4,350 |
| Average earning assets | $85,628,000 | 4,353 |
| Average equity | $10,816,500 | 4,305 |
| Average total loans | $58,669,500 | 4,230 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0907% | 3,088 |
| Cost of funding earning assets | 0.3538% | 3,678 |
| Net interest margin | 3.7369% | 2,647 |
| Noninterest income to average assets | 0.6222% | 2,341 |
| Noninterest expense to average assets | 2.5078% | 3,757 |
| Loan and lease loss provision to assets | 0.0928% | 2,345 |
| Net operating income to assets | 1.0268% | 2,127 |
| Return on assets (ROA) | 1.0268% | 2,161 |
| Pretax return on assets | 1.4655% | 1,758 |
| Return on Equity (ROE) | 8.9732% | 2,329 |
| Retained earnings to average equity (ytd only) | 7.9880% | 770 |
| Net charge-offs to loans | 0.2790% | 936 |
| Credit loss provision to net charge-offs | 50.6024% | 3,327 |
| Earnings coverage of net charge-offs (x) | 8.4940% | 2,907 |
| Efficiency ratio | 61.6744% | 3,991 |
| Assets per employee ($millions) | 3.3036% | 4,933 |
| Cash dividends to net income (ytd only)* | 10.9795% | 3,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5456% | 5,328 |
| Loan loss allowance to noncurrent loans | 30.6142% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 2.2237% | 460 |
| Noncurrent loans to loans | 1.7823% | 899 |
| Net loans and leases to total assets | 62.8570% | 3,498 |
| Net loans and leases to deposits | 71.8599% | 3,714 |
| Net loans and leases to core deposits | 75.7715% | 3,759 |
| Total domestic deposits to total assets | 87.4716% | 1,780 |
| Equity capital to assets | 11.6419% | 2,084 |
| Core capital (leverage) ratio | 11.4584% | 1,966 |
| Tier 1 risk-based capital ratio | 17.6864% | 1,892 |
| Total risk-based capital ratio | 18.2130% | 2,054 |
| Memoranda: | ||
| Average total assets | $90,479,200 | 4,417 |
| Average earning assets | $83,384,600 | 4,412 |
| Average equity | $10,353,000 | 4,398 |
| Average total loans | $59,504,600 | 4,210 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0860% | 3,032 |
| Cost of funding earning assets | 0.3532% | 3,631 |
| Net interest margin | 3.7327% | 2,647 |
| Noninterest income to average assets | 0.4386% | 3,412 |
| Noninterest expense to average assets | 2.2732% | 4,369 |
| Loan and lease loss provision to assets | 0.0267% | 3,596 |
| Net operating income to assets | 1.0269% | 2,430 |
| Return on assets (ROA) | 1.0269% | 2,476 |
| Pretax return on assets | 1.5841% | 1,477 |
| Return on Equity (ROE) | 9.0153% | 2,587 |
| Retained earnings to average equity (ytd only) | 8.0136% | 1,220 |
| Net charge-offs to loans | 0.0268% | 2,901 |
| Credit loss provision to net charge-offs | 150.0000% | 1,689 |
| Earnings coverage of net charge-offs (x) | 90.5813% | 739 |
| Efficiency ratio | 58.5273% | 4,426 |
| Assets per employee ($millions) | 3.5161% | 4,714 |
| Cash dividends to net income (ytd only)* | 11.1106% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6863% | 5,163 |
| Loan loss allowance to noncurrent loans | 17.3044% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 2.7303% | 351 |
| Noncurrent loans to loans | 3.9662% | 252 |
| Net loans and leases to total assets | 64.4228% | 3,330 |
| Net loans and leases to deposits | 73.6589% | 3,610 |
| Net loans and leases to core deposits | 77.5156% | 3,682 |
| Total domestic deposits to total assets | 87.4609% | 1,638 |
| Equity capital to assets | 11.6410% | 2,238 |
| Core capital (leverage) ratio | 11.6372% | 1,924 |
| Tier 1 risk-based capital ratio | 17.2268% | 2,084 |
| Total risk-based capital ratio | 17.8943% | 2,224 |
| Memoranda: | ||
| Average total assets | $89,973,500 | 4,469 |
| Average earning assets | $83,046,750 | 4,460 |
| Average equity | $10,249,000 | 4,453 |
| Average total loans | $59,765,000 | 4,249 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0833% | 2,882 |
| Cost of funding earning assets | 0.3538% | 3,542 |
| Net interest margin | 3.7295% | 2,547 |
| Noninterest income to average assets | 0.4246% | 3,529 |
| Noninterest expense to average assets | 2.2818% | 4,397 |
| Loan and lease loss provision to assets | 0.0268% | 3,463 |
| Net operating income to assets | 1.0146% | 2,357 |
| Return on assets (ROA) | 1.0146% | 2,396 |
| Pretax return on assets | 1.5554% | 1,474 |
| Return on Equity (ROE) | 8.9741% | 2,523 |
| Retained earnings to average equity (ytd only) | 7.9660% | 1,179 |
| Net charge-offs to loans | 0.0367% | 2,462 |
| Credit loss provision to net charge-offs | 109.0909% | 1,901 |
| Earnings coverage of net charge-offs (x) | 64.3636% | 899 |
| Efficiency ratio | 59.0515% | 4,465 |
| Assets per employee ($millions) | 3.1277% | 5,166 |
| Cash dividends to net income (ytd only)* | 11.2335% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6818% | 5,246 |
| Loan loss allowance to noncurrent loans | 22.1610% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 2.2358% | 527 |
| Noncurrent loans to loans | 3.0767% | 416 |
| Net loans and leases to total assets | 66.8642% | 2,973 |
| Net loans and leases to deposits | 76.7216% | 3,253 |
| Net loans and leases to core deposits | 78.0115% | 3,600 |
| Total domestic deposits to total assets | 87.1517% | 1,881 |
| Equity capital to assets | 11.9256% | 1,980 |
| Core capital (leverage) ratio | 11.5522% | 1,933 |
| Tier 1 risk-based capital ratio | 17.1764% | 2,109 |
| Total risk-based capital ratio | 17.8475% | 2,232 |
| Memoranda: | ||
| Average total assets | $89,492,000 | 4,504 |
| Average earning assets | $82,532,000 | 4,496 |
| Average equity | $10,118,000 | 4,494 |
| Average total loans | $59,919,670 | 4,266 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0795% | 2,728 |
| Cost of funding earning assets | 0.3512% | 3,518 |
| Net interest margin | 3.7283% | 2,384 |
| Noninterest income to average assets | 0.3582% | 3,971 |
| Noninterest expense to average assets | 2.2421% | 4,552 |
| Loan and lease loss provision to assets | 0.0265% | 3,228 |
| Net operating income to assets | 0.9950% | 2,328 |
| Return on assets (ROA) | 0.9950% | 2,379 |
| Pretax return on assets | 1.5169% | 1,484 |
| Return on Equity (ROE) | 9.0407% | 2,398 |
| Retained earnings to average equity (ytd only) | 7.9960% | 1,462 |
| Net charge-offs to loans | 0.0331% | 2,113 |
| Credit loss provision to net charge-offs | 120.0000% | 1,399 |
| Earnings coverage of net charge-offs (x) | 69.8000% | 725 |
| Efficiency ratio | 59.2290% | 4,565 |
| Assets per employee ($millions) | 3.2186% | 5,141 |
| Cash dividends to net income (ytd only)* | 11.5556% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6735% | 5,358 |
| Loan loss allowance to noncurrent loans | 15.8705% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 2.9605% | 349 |
| Noncurrent loans to loans | 4.2440% | 234 |
| Net loans and leases to total assets | 65.7805% | 3,005 |
| Net loans and leases to deposits | 74.9191% | 3,312 |
| Net loans and leases to core deposits | 78.0468% | 3,465 |
| Total domestic deposits to total assets | 87.8020% | 1,823 |
| Equity capital to assets | 11.1805% | 2,444 |
| Core capital (leverage) ratio | 11.2208% | 2,169 |
| Tier 1 risk-based capital ratio | 16.3949% | 2,397 |
| Total risk-based capital ratio | 17.0484% | 2,570 |
| Memoranda: | ||
| Average total assets | $90,450,000 | 4,535 |
| Average earning assets | $83,147,000 | 4,521 |
| Average equity | $9,955,000 | 4,551 |
| Average total loans | $60,400,000 | 4,290 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2095% | 2,455 |
| Cost of funding earning assets | 0.3777% | 3,229 |
| Net interest margin | 3.8318% | 2,204 |
| Noninterest income to average assets | 0.4228% | 3,727 |
| Noninterest expense to average assets | 2.5447% | 3,860 |
| Loan and lease loss provision to assets | 0.0266% | 3,822 |
| Net operating income to assets | 0.9363% | 2,646 |
| Return on assets (ROA) | 0.9497% | 2,694 |
| Pretax return on assets | 1.4090% | 1,910 |
| Return on Equity (ROE) | 8.7964% | 2,517 |
| Retained earnings to average equity (ytd only) | 7.7507% | 941 |
| Net charge-offs to loans | 0.0493% | 3,060 |
| Credit loss provision to net charge-offs | 80.0000% | 2,972 |
| Earnings coverage of net charge-offs (x) | 42.6333% | 1,131 |
| Efficiency ratio | 64.2538% | 3,896 |
| Assets per employee ($millions) | 3.3622% | 4,954 |
| Cash dividends to net income (ytd only)* | 11.8881% | 3,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6561% | 5,437 |
| Loan loss allowance to noncurrent loans | 17.5339% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 2.5854% | 451 |
| Noncurrent loans to loans | 3.7421% | 300 |
| Net loans and leases to total assets | 66.8822% | 2,950 |
| Net loans and leases to deposits | 75.7432% | 3,346 |
| Net loans and leases to core deposits | 79.2407% | 3,460 |
| Total domestic deposits to total assets | 88.3013% | 1,488 |
| Equity capital to assets | 10.8329% | 2,781 |
| Core capital (leverage) ratio | 10.7662% | 2,569 |
| Tier 1 risk-based capital ratio | 15.4643% | 2,760 |
| Total risk-based capital ratio | 16.0915% | 2,969 |
| Memoranda: | ||
| Average total assets | $90,344,800 | 4,537 |
| Average earning assets | $83,406,800 | 4,530 |
| Average equity | $9,754,000 | 4,623 |
| Average total loans | $60,862,200 | 4,269 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2203% | 2,446 |
| Cost of funding earning assets | 0.3786% | 3,242 |
| Net interest margin | 3.8417% | 2,189 |
| Noninterest income to average assets | 0.4034% | 3,898 |
| Noninterest expense to average assets | 2.3700% | 4,355 |
| Loan and lease loss provision to assets | 0.0266% | 3,715 |
| Net operating income to assets | 1.0294% | 2,296 |
| Return on assets (ROA) | 1.0343% | 2,396 |
| Pretax return on assets | 1.5677% | 1,472 |
| Return on Equity (ROE) | 9.5881% | 2,231 |
| Retained earnings to average equity (ytd only) | 8.5335% | 970 |
| Net charge-offs to loans | 0.0570% | 2,547 |
| Credit loss provision to net charge-offs | 69.2308% | 2,805 |
| Earnings coverage of net charge-offs (x) | 41.3026% | 1,210 |
| Efficiency ratio | 59.8954% | 4,557 |
| Assets per employee ($millions) | 3.1478% | 5,243 |
| Cash dividends to net income (ytd only)* | 10.9996% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6427% | 5,542 |
| Loan loss allowance to noncurrent loans | 16.4198% | 5,348 |
| Noncurrent assets plus other real estate owned to assets | 2.7277% | 471 |
| Noncurrent loans to loans | 3.9141% | 286 |
| Net loans and leases to total assets | 67.5741% | 2,860 |
| Net loans and leases to deposits | 76.8478% | 3,301 |
| Net loans and leases to core deposits | 80.9982% | 3,352 |
| Total domestic deposits to total assets | 87.9323% | 1,432 |
| Equity capital to assets | 11.0380% | 2,966 |
| Core capital (leverage) ratio | 10.8469% | 2,628 |
| Tier 1 risk-based capital ratio | 15.1205% | 2,988 |
| Total risk-based capital ratio | 15.7390% | 3,225 |
| Memoranda: | ||
| Average total assets | $90,236,250 | 4,578 |
| Average earning assets | $83,467,000 | 4,563 |
| Average equity | $9,734,000 | 4,667 |
| Average total loans | $60,798,750 | 4,299 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2575% | 2,307 |
| Cost of funding earning assets | 0.3844% | 3,214 |
| Net interest margin | 3.8731% | 2,072 |
| Noninterest income to average assets | 0.3627% | 4,167 |
| Noninterest expense to average assets | 2.4053% | 4,320 |
| Loan and lease loss provision to assets | 0.0267% | 3,595 |
| Net operating income to assets | 1.0006% | 2,398 |
| Return on assets (ROA) | 1.0079% | 2,488 |
| Pretax return on assets | 1.5286% | 1,592 |
| Return on Equity (ROE) | 9.4179% | 2,311 |
| Retained earnings to average equity (ytd only) | 8.3576% | 1,056 |
| Net charge-offs to loans | 0.0795% | 2,059 |
| Credit loss provision to net charge-offs | 50.0000% | 2,666 |
| Earnings coverage of net charge-offs (x) | 28.9167% | 1,414 |
| Efficiency ratio | 60.9014% | 4,526 |
| Assets per employee ($millions) | 3.0879% | 5,336 |
| Cash dividends to net income (ytd only)* | 11.2583% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6501% | 5,614 |
| Loan loss allowance to noncurrent loans | 15.9403% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 2.8342% | 440 |
| Noncurrent loans to loans | 4.0785% | 280 |
| Net loans and leases to total assets | 67.4078% | 2,882 |
| Net loans and leases to deposits | 76.6436% | 3,312 |
| Net loans and leases to core deposits | 79.5705% | 3,504 |
| Total domestic deposits to total assets | 87.9496% | 1,461 |
| Equity capital to assets | 11.0130% | 3,048 |
| Core capital (leverage) ratio | 10.5764% | 2,878 |
| Tier 1 risk-based capital ratio | 15.0919% | 3,039 |
| Total risk-based capital ratio | 15.7174% | 3,268 |
| Memoranda: | ||
| Average total assets | $89,886,670 | 4,619 |
| Average earning assets | $83,241,000 | 4,603 |
| Average equity | $9,620,000 | 4,720 |
| Average total loans | $60,370,330 | 4,333 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2807% | 2,197 |
| Cost of funding earning assets | 0.3852% | 3,244 |
| Net interest margin | 3.8955% | 1,947 |
| Noninterest income to average assets | 0.3331% | 4,350 |
| Noninterest expense to average assets | 2.3763% | 4,438 |
| Loan and lease loss provision to assets | 0.0267% | 3,316 |
| Net operating income to assets | 1.0083% | 2,238 |
| Return on assets (ROA) | 1.0083% | 2,354 |
| Pretax return on assets | 1.5235% | 1,520 |
| Return on Equity (ROE) | 9.5589% | 2,176 |
| Retained earnings to average equity (ytd only) | 8.4640% | 1,277 |
| Net charge-offs to loans | 0.1595% | 1,171 |
| Credit loss provision to net charge-offs | 25.0000% | 2,259 |
| Earnings coverage of net charge-offs (x) | 14.5417% | 1,695 |
| Efficiency ratio | 60.5204% | 4,675 |
| Assets per employee ($millions) | 3.1743% | 5,311 |
| Cash dividends to net income (ytd only)* | 11.4537% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6449% | 5,680 |
| Loan loss allowance to noncurrent loans | 12.9107% | 5,500 |
| Noncurrent assets plus other real estate owned to assets | 3.4575% | 327 |
| Noncurrent loans to loans | 4.9951% | 195 |
| Net loans and leases to total assets | 67.4280% | 2,744 |
| Net loans and leases to deposits | 76.5487% | 3,159 |
| Net loans and leases to core deposits | 80.0518% | 3,315 |
| Total domestic deposits to total assets | 88.0851% | 1,599 |
| Equity capital to assets | 10.8225% | 3,139 |
| Core capital (leverage) ratio | 10.2866% | 3,212 |
| Tier 1 risk-based capital ratio | 14.7281% | 3,271 |
| Total risk-based capital ratio | 15.3421% | 3,558 |
| Memoranda: | ||
| Average total assets | $90,055,500 | 4,660 |
| Average earning assets | $83,070,500 | 4,646 |
| Average equity | $9,499,000 | 4,763 |
| Average total loans | $60,176,500 | 4,362 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2949% | 2,239 |
| Cost of funding earning assets | 0.4355% | 2,779 |
| Net interest margin | 3.8594% | 2,168 |
| Noninterest income to average assets | 0.4392% | 3,753 |
| Noninterest expense to average assets | 2.5373% | 4,114 |
| Loan and lease loss provision to assets | 0.0266% | 3,857 |
| Net operating income to assets | 0.9707% | 2,519 |
| Return on assets (ROA) | 0.9803% | 2,542 |
| Pretax return on assets | 1.4672% | 1,661 |
| Return on Equity (ROE) | 9.8124% | 2,080 |
| Retained earnings to average equity (ytd only) | 8.6802% | 735 |
| Net charge-offs to loans | -0.0069% | 5,031 |
| Credit loss provision to net charge-offs | -600.0000% | 5,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1695% | 4,415 |
| Assets per employee ($millions) | 3.2583% | 5,212 |
| Cash dividends to net income (ytd only)* | 11.5385% | 4,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6779% | 5,675 |
| Loan loss allowance to noncurrent loans | 13.7176% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 3.3180% | 370 |
| Noncurrent loans to loans | 4.9422% | 197 |
| Net loans and leases to total assets | 65.3583% | 3,074 |
| Net loans and leases to deposits | 73.6209% | 3,540 |
| Net loans and leases to core deposits | 77.3061% | 3,626 |
| Total domestic deposits to total assets | 88.7768% | 1,241 |
| Equity capital to assets | 10.2805% | 3,646 |
| Core capital (leverage) ratio | 9.9650% | 3,556 |
| Tier 1 risk-based capital ratio | 14.3348% | 3,535 |
| Total risk-based capital ratio | 14.9739% | 3,807 |
| Memoranda: | ||
| Average total assets | $90,174,200 | 4,668 |
| Average earning assets | $83,587,400 | 4,643 |
| Average equity | $9,009,000 | 4,847 |
| Average total loans | $57,723,200 | 4,434 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2628% | 2,357 |
| Cost of funding earning assets | 0.4449% | 2,733 |
| Net interest margin | 3.8178% | 2,316 |
| Noninterest income to average assets | 0.4597% | 3,640 |
| Noninterest expense to average assets | 2.4187% | 4,458 |
| Loan and lease loss provision to assets | 0.0267% | 3,731 |
| Net operating income to assets | 1.0489% | 2,222 |
| Return on assets (ROA) | 1.0618% | 2,258 |
| Pretax return on assets | 1.5838% | 1,429 |
| Return on Equity (ROE) | 10.7064% | 1,823 |
| Retained earnings to average equity (ytd only) | 9.5551% | 726 |
| Net charge-offs to loans | -0.0117% | 5,043 |
| Credit loss provision to net charge-offs | -360.0000% | 5,305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3180% | 4,843 |
| Assets per employee ($millions) | 3.1399% | 5,378 |
| Cash dividends to net income (ytd only)* | 10.7538% | 3,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6839% | 5,763 |
| Loan loss allowance to noncurrent loans | 32.8163% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 1.4112% | 1,628 |
| Noncurrent loans to loans | 2.0839% | 1,099 |
| Net loans and leases to total assets | 64.1148% | 3,293 |
| Net loans and leases to deposits | 72.1118% | 3,755 |
| Net loans and leases to core deposits | 76.0011% | 3,803 |
| Total domestic deposits to total assets | 88.9102% | 1,073 |
| Equity capital to assets | 10.1464% | 4,000 |
| Core capital (leverage) ratio | 9.9920% | 3,643 |
| Tier 1 risk-based capital ratio | 14.5193% | 3,561 |
| Total risk-based capital ratio | 15.1686% | 3,836 |
| Memoranda: | ||
| Average total assets | $89,910,000 | 4,728 |
| Average earning assets | $83,605,250 | 4,705 |
| Average equity | $8,916,500 | 4,927 |
| Average total loans | $57,145,500 | 4,499 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2329% | 2,419 |
| Cost of funding earning assets | 0.4567% | 2,643 |
| Net interest margin | 3.7762% | 2,420 |
| Noninterest income to average assets | 0.4915% | 3,438 |
| Noninterest expense to average assets | 2.4283% | 4,466 |
| Loan and lease loss provision to assets | 0.0268% | 3,601 |
| Net operating income to assets | 1.0372% | 2,191 |
| Return on assets (ROA) | 1.0567% | 2,226 |
| Pretax return on assets | 1.5749% | 1,408 |
| Return on Equity (ROE) | 10.7390% | 1,769 |
| Retained earnings to average equity (ytd only) | 9.5811% | 762 |
| Net charge-offs to loans | -0.0071% | 4,835 |
| Credit loss provision to net charge-offs | -600.0000% | 5,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6924% | 4,882 |
| Assets per employee ($millions) | 2.8648% | 5,750 |
| Cash dividends to net income (ytd only)* | 10.7822% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6865% | 5,847 |
| Loan loss allowance to noncurrent loans | 21.5815% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 2.1181% | 1,012 |
| Noncurrent loans to loans | 3.1810% | 594 |
| Net loans and leases to total assets | 64.0179% | 3,260 |
| Net loans and leases to deposits | 71.9285% | 3,728 |
| Net loans and leases to core deposits | 74.9338% | 3,859 |
| Total domestic deposits to total assets | 89.0021% | 1,144 |
| Equity capital to assets | 10.0802% | 3,948 |
| Core capital (leverage) ratio | 9.8133% | 3,845 |
| Tier 1 risk-based capital ratio | 13.5126% | 4,216 |
| Total risk-based capital ratio | 14.1180% | 4,505 |
| Memoranda: | ||
| Average total assets | $89,527,670 | 4,779 |
| Average earning assets | $83,205,000 | 4,756 |
| Average equity | $8,809,000 | 4,986 |
| Average total loans | $56,599,670 | 4,557 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2125% | 2,404 |
| Cost of funding earning assets | 0.4638% | 2,636 |
| Net interest margin | 3.7487% | 2,438 |
| Noninterest income to average assets | 0.4361% | 3,723 |
| Noninterest expense to average assets | 2.4253% | 4,534 |
| Loan and lease loss provision to assets | 0.0267% | 3,352 |
| Net operating income to assets | 0.9908% | 2,305 |
| Return on assets (ROA) | 1.0057% | 2,379 |
| Pretax return on assets | 1.4952% | 1,583 |
| Return on Equity (ROE) | 10.3462% | 1,849 |
| Retained earnings to average equity (ytd only) | 9.1559% | 1,146 |
| Net charge-offs to loans | 0.0071% | 3,090 |
| Credit loss provision to net charge-offs | 600.0000% | 466 |
| Earnings coverage of net charge-offs (x) | 337.0000% | 164 |
| Efficiency ratio | 61.7914% | 4,830 |
| Assets per employee ($millions) | 3.1032% | 5,540 |
| Cash dividends to net income (ytd only)* | 11.5044% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6798% | 5,940 |
| Loan loss allowance to noncurrent loans | 24.8222% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 1.9079% | 1,271 |
| Noncurrent loans to loans | 2.7388% | 857 |
| Net loans and leases to total assets | 62.3386% | 3,313 |
| Net loans and leases to deposits | 69.9566% | 3,752 |
| Net loans and leases to core deposits | 73.6398% | 3,812 |
| Total domestic deposits to total assets | 89.1104% | 1,195 |
| Equity capital to assets | 9.8329% | 4,345 |
| Core capital (leverage) ratio | 9.4729% | 4,323 |
| Tier 1 risk-based capital ratio | 14.2003% | 3,881 |
| Total risk-based capital ratio | 14.8381% | 4,197 |
| Memoranda: | ||
| Average total assets | $89,887,500 | 4,812 |
| Average earning assets | $83,656,000 | 4,783 |
| Average equity | $8,737,500 | 5,053 |
| Average total loans | $56,276,500 | 4,603 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2491% | 2,782 |
| Cost of funding earning assets | 0.5255% | 2,429 |
| Net interest margin | 3.7236% | 2,909 |
| Noninterest income to average assets | 0.4047% | 4,152 |
| Noninterest expense to average assets | 2.5692% | 4,327 |
| Loan and lease loss provision to assets | 0.0269% | 4,067 |
| Net operating income to assets | 0.8523% | 3,108 |
| Return on assets (ROA) | 0.8721% | 3,094 |
| Pretax return on assets | 1.2846% | 2,293 |
| Return on Equity (ROE) | 9.5117% | 2,335 |
| Retained earnings to average equity (ytd only) | 8.2647% | 927 |
| Net charge-offs to loans | 0.1162% | 2,873 |
| Credit loss provision to net charge-offs | 38.0952% | 3,710 |
| Earnings coverage of net charge-offs (x) | 18.1587% | 1,861 |
| Efficiency ratio | 66.7055% | 4,108 |
| Assets per employee ($millions) | 2.9927% | 5,710 |
| Cash dividends to net income (ytd only)* | 13.1105% | 4,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6760% | 6,036 |
| Loan loss allowance to noncurrent loans | 24.3887% | 5,767 |
| Noncurrent assets plus other real estate owned to assets | 1.8812% | 1,371 |
| Noncurrent loans to loans | 2.7716% | 860 |
| Net loans and leases to total assets | 62.0276% | 3,495 |
| Net loans and leases to deposits | 69.3391% | 3,992 |
| Net loans and leases to core deposits | 73.3483% | 3,983 |
| Total domestic deposits to total assets | 89.4555% | 989 |
| Equity capital to assets | 9.6078% | 4,581 |
| Core capital (leverage) ratio | 9.2785% | 4,560 |
| Tier 1 risk-based capital ratio | 13.9578% | 4,119 |
| Total risk-based capital ratio | 14.5914% | 4,445 |
| Memoranda: | ||
| Average total assets | $89,209,200 | 4,855 |
| Average earning assets | $82,582,200 | 4,836 |
| Average equity | $8,179,400 | 5,157 |
| Average total loans | $54,238,400 | 4,681 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2474% | 2,819 |
| Cost of funding earning assets | 0.5323% | 2,445 |
| Net interest margin | 3.7151% | 2,964 |
| Noninterest income to average assets | 0.3967% | 4,271 |
| Noninterest expense to average assets | 2.4236% | 4,748 |
| Loan and lease loss provision to assets | 0.0269% | 3,868 |
| Net operating income to assets | 0.9230% | 2,806 |
| Return on assets (ROA) | 0.9491% | 2,780 |
| Pretax return on assets | 1.4221% | 1,921 |
| Return on Equity (ROE) | 10.4776% | 2,016 |
| Retained earnings to average equity (ytd only) | 9.2052% | 927 |
| Net charge-offs to loans | 0.1587% | 2,220 |
| Credit loss provision to net charge-offs | 28.1250% | 3,482 |
| Earnings coverage of net charge-offs (x) | 14.7190% | 2,116 |
| Efficiency ratio | 63.2175% | 4,681 |
| Assets per employee ($millions) | 3.1760% | 5,476 |
| Cash dividends to net income (ytd only)* | 12.1447% | 3,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6732% | 6,137 |
| Loan loss allowance to noncurrent loans | 20.6897% | 5,922 |
| Noncurrent assets plus other real estate owned to assets | 2.1737% | 1,277 |
| Noncurrent loans to loans | 3.2539% | 772 |
| Net loans and leases to total assets | 61.7185% | 3,532 |
| Net loans and leases to deposits | 68.8922% | 4,028 |
| Net loans and leases to core deposits | 73.1576% | 4,034 |
| Total domestic deposits to total assets | 89.5871% | 942 |
| Equity capital to assets | 9.5111% | 4,784 |
| Core capital (leverage) ratio | 9.2925% | 4,649 |
| Tier 1 risk-based capital ratio | 14.0173% | 4,205 |
| Total risk-based capital ratio | 14.6509% | 4,544 |
| Memoranda: | ||
| Average total assets | $89,066,250 | 4,912 |
| Average earning assets | $82,401,000 | 4,892 |
| Average equity | $8,067,750 | 5,228 |
| Average total loans | $53,781,000 | 4,738 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2176% | 2,888 |
| Cost of funding earning assets | 0.5408% | 2,427 |
| Net interest margin | 3.6768% | 3,043 |
| Noninterest income to average assets | 0.3793% | 4,410 |
| Noninterest expense to average assets | 2.3970% | 4,889 |
| Loan and lease loss provision to assets | 0.0269% | 3,735 |
| Net operating income to assets | 0.9080% | 2,767 |
| Return on assets (ROA) | 0.9471% | 2,660 |
| Pretax return on assets | 1.4162% | 1,836 |
| Return on Equity (ROE) | 10.6328% | 1,879 |
| Retained earnings to average equity (ytd only) | 9.3478% | 869 |
| Net charge-offs to loans | 0.0263% | 3,668 |
| Credit loss provision to net charge-offs | 171.4286% | 1,327 |
| Earnings coverage of net charge-offs (x) | 88.1429% | 614 |
| Efficiency ratio | 63.3828% | 4,790 |
| Assets per employee ($millions) | 3.0395% | 5,703 |
| Cash dividends to net income (ytd only)* | 12.0853% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7913% | 5,998 |
| Loan loss allowance to noncurrent loans | 19.5471% | 6,002 |
| Noncurrent assets plus other real estate owned to assets | 2.6082% | 1,040 |
| Noncurrent loans to loans | 4.0484% | 579 |
| Net loans and leases to total assets | 60.1616% | 3,686 |
| Net loans and leases to deposits | 67.0426% | 4,159 |
| Net loans and leases to core deposits | 70.0306% | 4,266 |
| Total domestic deposits to total assets | 89.7363% | 946 |
| Equity capital to assets | 9.3742% | 4,870 |
| Core capital (leverage) ratio | 8.9635% | 5,075 |
| Tier 1 risk-based capital ratio | 14.1088% | 4,188 |
| Total risk-based capital ratio | 14.8508% | 4,464 |
| Memoranda: | ||
| Average total assets | $89,112,330 | 4,950 |
| Average earning assets | $82,463,330 | 4,925 |
| Average equity | $7,937,670 | 5,287 |
| Average total loans | $53,289,000 | 4,774 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1856% | 2,927 |
| Cost of funding earning assets | 0.5455% | 2,459 |
| Net interest margin | 3.6401% | 3,100 |
| Noninterest income to average assets | 0.3259% | 4,760 |
| Noninterest expense to average assets | 2.3662% | 5,018 |
| Loan and lease loss provision to assets | 0.0268% | 3,477 |
| Net operating income to assets | 0.8750% | 2,771 |
| Return on assets (ROA) | 0.8750% | 2,836 |
| Pretax return on assets | 1.2992% | 2,096 |
| Return on Equity (ROE) | 10.0836% | 2,006 |
| Retained earnings to average equity (ytd only) | 8.7460% | 1,328 |
| Net charge-offs to loans | 0.0526% | 2,647 |
| Credit loss provision to net charge-offs | 85.7143% | 1,842 |
| Earnings coverage of net charge-offs (x) | 42.4286% | 845 |
| Efficiency ratio | 64.0871% | 4,845 |
| Assets per employee ($millions) | 3.0190% | 5,834 |
| Cash dividends to net income (ytd only)* | 13.2653% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7852% | 6,136 |
| Loan loss allowance to noncurrent loans | 23.0132% | 6,019 |
| Noncurrent assets plus other real estate owned to assets | 2.1497% | 1,559 |
| Noncurrent loans to loans | 3.4120% | 873 |
| Net loans and leases to total assets | 58.1766% | 3,817 |
| Net loans and leases to deposits | 64.3644% | 4,278 |
| Net loans and leases to core deposits | 67.4087% | 4,367 |
| Total domestic deposits to total assets | 90.3863% | 867 |
| Equity capital to assets | 8.7381% | 5,409 |
| Core capital (leverage) ratio | 8.7048% | 5,373 |
| Tier 1 risk-based capital ratio | 13.7654% | 4,494 |
| Total risk-based capital ratio | 14.4973% | 4,799 |
| Memoranda: | ||
| Average total assets | $89,595,500 | 4,981 |
| Average earning assets | $82,856,000 | 4,945 |
| Average equity | $7,775,000 | 5,350 |
| Average total loans | $53,207,000 | 4,816 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3078% | 2,931 |
| Cost of funding earning assets | 0.6475% | 2,222 |
| Net interest margin | 3.6603% | 3,217 |
| Noninterest income to average assets | 0.4545% | 4,060 |
| Noninterest expense to average assets | 2.4496% | 4,930 |
| Loan and lease loss provision to assets | 0.1203% | 2,814 |
| Net operating income to assets | 0.8354% | 3,106 |
| Return on assets (ROA) | 0.8362% | 3,183 |
| Pretax return on assets | 1.2595% | 2,322 |
| Return on Equity (ROE) | 9.5481% | 2,310 |
| Retained earnings to average equity (ytd only) | 7.2238% | 1,349 |
| Net charge-offs to loans | 0.2925% | 2,226 |
| Credit loss provision to net charge-offs | 69.3333% | 3,324 |
| Earnings coverage of net charge-offs (x) | 7.9467% | 2,760 |
| Efficiency ratio | 63.7462% | 4,948 |
| Assets per employee ($millions) | 2.9541% | 5,903 |
| Cash dividends to net income (ytd only)* | 24.3430% | 3,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7841% | 6,207 |
| Loan loss allowance to noncurrent loans | 21.9884% | 6,133 |
| Noncurrent assets plus other real estate owned to assets | 2.2523% | 1,576 |
| Noncurrent loans to loans | 3.5661% | 867 |
| Net loans and leases to total assets | 59.6793% | 3,775 |
| Net loans and leases to deposits | 65.8200% | 4,316 |
| Net loans and leases to core deposits | 68.7960% | 4,425 |
| Total domestic deposits to total assets | 90.6705% | 717 |
| Equity capital to assets | 8.6164% | 5,465 |
| Core capital (leverage) ratio | 8.6460% | 5,486 |
| Tier 1 risk-based capital ratio | 13.1050% | 4,908 |
| Total risk-based capital ratio | 13.8190% | 5,197 |
| Memoranda: | ||
| Average total assets | $86,464,400 | 5,069 |
| Average earning assets | $79,692,000 | 5,041 |
| Average equity | $7,572,200 | 5,441 |
| Average total loans | $51,276,000 | 4,922 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2873% | 3,050 |
| Cost of funding earning assets | 0.6621% | 2,242 |
| Net interest margin | 3.6253% | 3,338 |
| Noninterest income to average assets | 0.4624% | 4,058 |
| Noninterest expense to average assets | 2.4191% | 4,963 |
| Loan and lease loss provision to assets | 0.0279% | 4,452 |
| Net operating income to assets | 0.8896% | 2,886 |
| Return on assets (ROA) | 0.8907% | 2,996 |
| Pretax return on assets | 1.3562% | 2,089 |
| Return on Equity (ROE) | 10.1282% | 2,132 |
| Retained earnings to average equity (ytd only) | 8.7696% | 1,130 |
| Net charge-offs to loans | -0.0394% | 6,236 |
| Credit loss provision to net charge-offs | -120.0000% | 5,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3061% | 4,920 |
| Assets per employee ($millions) | 2.9554% | 5,918 |
| Cash dividends to net income (ytd only)* | 13.4142% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9479% | 5,926 |
| Loan loss allowance to noncurrent loans | 23.4988% | 6,171 |
| Noncurrent assets plus other real estate owned to assets | 2.4926% | 1,546 |
| Noncurrent loans to loans | 4.0337% | 859 |
| Net loans and leases to total assets | 58.5775% | 3,910 |
| Net loans and leases to deposits | 64.5456% | 4,458 |
| Net loans and leases to core deposits | 68.2121% | 4,509 |
| Total domestic deposits to total assets | 90.7536% | 631 |
| Equity capital to assets | 8.5640% | 5,668 |
| Core capital (leverage) ratio | 8.7494% | 5,475 |
| Tier 1 risk-based capital ratio | 13.5109% | 4,753 |
| Total risk-based capital ratio | 14.3918% | 4,977 |
| Memoranda: | ||
| Average total assets | $85,925,000 | 5,125 |
| Average earning assets | $79,145,750 | 5,107 |
| Average equity | $7,556,250 | 5,507 |
| Average total loans | $50,768,250 | 4,976 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3405% | 2,791 |
| Cost of funding earning assets | 0.6957% | 2,094 |
| Net interest margin | 3.6448% | 3,199 |
| Noninterest income to average assets | 0.4658% | 4,052 |
| Noninterest expense to average assets | 2.4867% | 4,783 |
| Loan and lease loss provision to assets | 0.0282% | 4,366 |
| Net operating income to assets | 0.8595% | 2,992 |
| Return on assets (ROA) | 0.8610% | 3,140 |
| Pretax return on assets | 1.3057% | 2,281 |
| Return on Equity (ROE) | 9.7031% | 2,315 |
| Retained earnings to average equity (ytd only) | 8.3510% | 1,347 |
| Net charge-offs to loans | -0.0597% | 6,326 |
| Credit loss provision to net charge-offs | -80.0000% | 5,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8182% | 4,738 |
| Assets per employee ($millions) | 2.8398% | 6,108 |
| Cash dividends to net income (ytd only)* | 13.9344% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9437% | 6,013 |
| Loan loss allowance to noncurrent loans | 56.8946% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 1.1245% | 3,490 |
| Noncurrent loans to loans | 1.6586% | 2,824 |
| Net loans and leases to total assets | 60.4965% | 3,577 |
| Net loans and leases to deposits | 66.8951% | 4,162 |
| Net loans and leases to core deposits | 70.1654% | 4,257 |
| Total domestic deposits to total assets | 90.4349% | 793 |
| Equity capital to assets | 8.8045% | 5,442 |
| Core capital (leverage) ratio | 8.6529% | 5,479 |
| Tier 1 risk-based capital ratio | 13.3159% | 4,906 |
| Total risk-based capital ratio | 14.1949% | 5,121 |
| Memoranda: | ||
| Average total assets | $85,012,670 | 5,191 |
| Average earning assets | $78,193,330 | 5,163 |
| Average equity | $7,544,000 | 5,547 |
| Average total loans | $50,213,330 | 5,015 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3178% | 2,816 |
| Cost of funding earning assets | 0.7342% | 1,967 |
| Net interest margin | 3.5836% | 3,326 |
| Noninterest income to average assets | 0.4381% | 4,194 |
| Noninterest expense to average assets | 2.4587% | 4,916 |
| Loan and lease loss provision to assets | 0.0283% | 4,111 |
| Net operating income to assets | 0.8196% | 3,049 |
| Return on assets (ROA) | 0.8196% | 3,190 |
| Pretax return on assets | 1.2388% | 2,439 |
| Return on Equity (ROE) | 9.1997% | 2,395 |
| Retained earnings to average equity (ytd only) | 7.8250% | 1,817 |
| Net charge-offs to loans | -0.1298% | 6,551 |
| Credit loss provision to net charge-offs | -37.5000% | 5,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7396% | 4,706 |
| Assets per employee ($millions) | 2.8777% | 6,180 |
| Cash dividends to net income (ytd only)* | 14.9425% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 6,041 |
| Loan loss allowance to noncurrent loans | 40.7035% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 1.4931% | 3,021 |
| Noncurrent loans to loans | 2.4161% | 2,144 |
| Net loans and leases to total assets | 56.6789% | 3,980 |
| Net loans and leases to deposits | 62.8728% | 4,433 |
| Net loans and leases to core deposits | 65.5433% | 4,584 |
| Total domestic deposits to total assets | 90.1485% | 963 |
| Equity capital to assets | 8.8206% | 5,696 |
| Core capital (leverage) ratio | 8.5022% | 5,590 |
| Tier 1 risk-based capital ratio | 13.6525% | 4,757 |
| Total risk-based capital ratio | 14.5653% | 4,954 |
| Memoranda: | ||
| Average total assets | $84,921,500 | 5,234 |
| Average earning assets | $77,909,500 | 5,208 |
| Average equity | $7,565,500 | 5,613 |
| Average total loans | $49,304,500 | 5,081 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0276% | 1,484 |
| Cost of funding earning assets | 0.9076% | 1,895 |
| Net interest margin | 4.1200% | 1,921 |
| Noninterest income to average assets | 0.6689% | 2,886 |
| Noninterest expense to average assets | 2.5865% | 4,783 |
| Loan and lease loss provision to assets | 0.0301% | 5,520 |
| Net operating income to assets | 1.1396% | 1,805 |
| Return on assets (ROA) | 1.1496% | 1,938 |
| Pretax return on assets | 1.7419% | 1,040 |
| Return on Equity (ROE) | 12.6933% | 1,313 |
| Retained earnings to average equity (ytd only) | 10.9334% | 448 |
| Net charge-offs to loans | 0.0881% | 4,799 |
| Credit loss provision to net charge-offs | 55.8140% | 4,554 |
| Earnings coverage of net charge-offs (x) | 32.5581% | 952 |
| Efficiency ratio | 59.2603% | 5,657 |
| Assets per employee ($millions) | 2.8797% | 6,196 |
| Cash dividends to net income (ytd only)* | 13.8646% | 3,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9433% | 6,149 |
| Loan loss allowance to noncurrent loans | 40.7733% | 5,582 |
| Noncurrent assets plus other real estate owned to assets | 1.4765% | 3,168 |
| Noncurrent loans to loans | 2.3134% | 2,337 |
| Net loans and leases to total assets | 58.3480% | 3,911 |
| Net loans and leases to deposits | 64.8043% | 4,453 |
| Net loans and leases to core deposits | 67.0580% | 4,641 |
| Total domestic deposits to total assets | 90.0372% | 928 |
| Equity capital to assets | 9.0000% | 5,522 |
| Core capital (leverage) ratio | 8.7363% | 5,267 |
| Tier 1 risk-based capital ratio | 13.2444% | 4,937 |
| Total risk-based capital ratio | 14.1076% | 5,151 |
| Memoranda: | ||
| Average total assets | $79,681,600 | 5,361 |
| Average earning assets | $71,067,800 | 5,393 |
| Average equity | $7,216,400 | 5,700 |
| Average total loans | $48,826,800 | 5,147 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1531% | 1,292 |
| Cost of funding earning assets | 0.9425% | 1,892 |
| Net interest margin | 4.2107% | 1,704 |
| Noninterest income to average assets | 0.5843% | 3,386 |
| Noninterest expense to average assets | 2.2881% | 5,716 |
| Loan and lease loss provision to assets | 0.0305% | 5,398 |
| Net operating income to assets | 1.3092% | 1,421 |
| Return on assets (ROA) | 1.3092% | 1,559 |
| Pretax return on assets | 2.0036% | 701 |
| Return on Equity (ROE) | 14.4317% | 1,016 |
| Retained earnings to average equity (ytd only) | 12.9942% | 398 |
| Net charge-offs to loans | 0.0958% | 4,425 |
| Credit loss provision to net charge-offs | 51.4286% | 4,371 |
| Earnings coverage of net charge-offs (x) | 34.3109% | 985 |
| Efficiency ratio | 52.6646% | 6,387 |
| Assets per employee ($millions) | 2.8787% | 6,248 |
| Cash dividends to net income (ytd only)* | 9.9608% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9514% | 6,241 |
| Loan loss allowance to noncurrent loans | 53.0752% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 1.2369% | 3,820 |
| Noncurrent loans to loans | 1.7925% | 3,084 |
| Net loans and leases to total assets | 60.1925% | 3,745 |
| Net loans and leases to deposits | 67.0828% | 4,324 |
| Net loans and leases to core deposits | 70.3604% | 4,455 |
| Total domestic deposits to total assets | 89.7287% | 984 |
| Equity capital to assets | 9.3731% | 5,373 |
| Core capital (leverage) ratio | 8.7034% | 5,470 |
| Tier 1 risk-based capital ratio | 13.2373% | 5,068 |
| Total risk-based capital ratio | 14.1158% | 5,323 |
| Memoranda: | ||
| Average total assets | $78,724,250 | 5,439 |
| Average earning assets | $69,884,250 | 5,490 |
| Average equity | $7,141,500 | 5,787 |
| Average total loans | $48,735,750 | 5,210 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2773% | 1,096 |
| Cost of funding earning assets | 0.9613% | 1,987 |
| Net interest margin | 4.3159% | 1,442 |
| Noninterest income to average assets | 0.5916% | 3,306 |
| Noninterest expense to average assets | 2.2792% | 5,800 |
| Loan and lease loss provision to assets | 0.0307% | 5,284 |
| Net operating income to assets | 1.3803% | 1,232 |
| Return on assets (ROA) | 1.3803% | 1,383 |
| Pretax return on assets | 2.1332% | 543 |
| Return on Equity (ROE) | 15.3919% | 868 |
| Retained earnings to average equity (ytd only) | 13.9356% | 350 |
| Net charge-offs to loans | 0.0206% | 5,119 |
| Credit loss provision to net charge-offs | 240.0000% | 1,193 |
| Earnings coverage of net charge-offs (x) | 169.0000% | 270 |
| Efficiency ratio | 51.0086% | 6,580 |
| Assets per employee ($millions) | 2.9372% | 6,171 |
| Cash dividends to net income (ytd only)* | 9.4620% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9872% | 6,209 |
| Loan loss allowance to noncurrent loans | 51.2552% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 1.2622% | 3,901 |
| Noncurrent loans to loans | 1.9261% | 3,034 |
| Net loans and leases to total assets | 61.9704% | 3,444 |
| Net loans and leases to deposits | 68.9193% | 4,053 |
| Net loans and leases to core deposits | 71.6577% | 4,331 |
| Total domestic deposits to total assets | 89.9173% | 971 |
| Equity capital to assets | 9.1963% | 5,467 |
| Core capital (leverage) ratio | 8.5625% | 5,568 |
| Tier 1 risk-based capital ratio | 12.7546% | 5,375 |
| Total risk-based capital ratio | 13.6721% | 5,607 |
| Memoranda: | ||
| Average total assets | $78,098,000 | 5,495 |
| Average earning assets | $69,695,330 | 5,532 |
| Average equity | $7,003,670 | 5,849 |
| Average total loans | $48,653,330 | 5,251 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2607% | 1,189 |
| Cost of funding earning assets | 0.9943% | 2,015 |
| Net interest margin | 4.2664% | 1,571 |
| Noninterest income to average assets | 0.5936% | 3,273 |
| Noninterest expense to average assets | 2.2350% | 5,954 |
| Loan and lease loss provision to assets | 0.0310% | 4,980 |
| Net operating income to assets | 1.3936% | 1,233 |
| Return on assets (ROA) | 1.3936% | 1,377 |
| Pretax return on assets | 2.1369% | 595 |
| Return on Equity (ROE) | 15.7457% | 842 |
| Retained earnings to average equity (ytd only) | 14.2878% | 537 |
| Net charge-offs to loans | 0.0498% | 4,003 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 476 |
| Efficiency ratio | 50.5275% | 6,636 |
| Assets per employee ($millions) | 3.0489% | 6,064 |
| Cash dividends to net income (ytd only)* | 9.2593% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9754% | 6,334 |
| Loan loss allowance to noncurrent loans | 66.5289% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 0.9726% | 4,565 |
| Noncurrent loans to loans | 1.4661% | 3,919 |
| Net loans and leases to total assets | 61.8566% | 3,287 |
| Net loans and leases to deposits | 68.6198% | 3,940 |
| Net loans and leases to core deposits | 71.6771% | 4,200 |
| Total domestic deposits to total assets | 90.1441% | 1,008 |
| Equity capital to assets | 8.8165% | 5,735 |
| Core capital (leverage) ratio | 8.3993% | 5,742 |
| Tier 1 risk-based capital ratio | 12.4751% | 5,624 |
| Total risk-based capital ratio | 13.3927% | 5,847 |
| Memoranda: | ||
| Average total assets | $77,495,000 | 5,543 |
| Average earning assets | $69,192,500 | 5,593 |
| Average equity | $6,859,000 | 5,911 |
| Average total loans | $48,162,500 | 5,299 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5670% | 1,021 |
| Cost of funding earning assets | 1.3122% | 1,425 |
| Net interest margin | 4.2548% | 1,857 |
| Noninterest income to average assets | 0.5912% | 3,211 |
| Noninterest expense to average assets | 2.4975% | 5,473 |
| Loan and lease loss provision to assets | 0.0322% | 6,162 |
| Net operating income to assets | 1.2239% | 1,449 |
| Return on assets (ROA) | 1.2239% | 1,553 |
| Pretax return on assets | 1.8433% | 742 |
| Return on Equity (ROE) | 14.3648% | 852 |
| Retained earnings to average equity (ytd only) | 9.2199% | 742 |
| Net charge-offs to loans | 0.0419% | 5,894 |
| Credit loss provision to net charge-offs | 126.3158% | 2,461 |
| Earnings coverage of net charge-offs (x) | 73.6316% | 410 |
| Efficiency ratio | 56.8056% | 6,213 |
| Assets per employee ($millions) | 3.0287% | 6,023 |
| Cash dividends to net income (ytd only)* | 35.8160% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 6,064 |
| Loan loss allowance to noncurrent loans | 82.0034% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 0.8360% | 4,953 |
| Noncurrent loans to loans | 1.2584% | 4,268 |
| Net loans and leases to total assets | 61.1796% | 3,746 |
| Net loans and leases to deposits | 67.8780% | 4,460 |
| Net loans and leases to core deposits | 71.9585% | 4,538 |
| Total domestic deposits to total assets | 90.1318% | 927 |
| Equity capital to assets | 8.8869% | 5,690 |
| Core capital (leverage) ratio | 8.3542% | 5,775 |
| Tier 1 risk-based capital ratio | 12.4975% | 5,451 |
| Total risk-based capital ratio | 13.4529% | 5,656 |
| Memoranda: | ||
| Average total assets | $74,594,600 | 5,622 |
| Average earning assets | $66,301,200 | 5,656 |
| Average equity | $6,355,800 | 6,056 |
| Average total loans | $45,396,200 | 5,445 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5693% | 1,102 |
| Cost of funding earning assets | 1.3656% | 1,392 |
| Net interest margin | 4.2037% | 2,084 |
| Noninterest income to average assets | 0.5759% | 3,328 |
| Noninterest expense to average assets | 2.3091% | 6,005 |
| Loan and lease loss provision to assets | 0.0323% | 6,039 |
| Net operating income to assets | 1.3079% | 1,358 |
| Return on assets (ROA) | 1.3079% | 1,448 |
| Pretax return on assets | 1.9736% | 660 |
| Return on Equity (ROE) | 15.5206% | 743 |
| Retained earnings to average equity (ytd only) | 13.8812% | 299 |
| Net charge-offs to loans | -0.0148% | 6,843 |
| Credit loss provision to net charge-offs | -360.0000% | 6,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1809% | 6,578 |
| Assets per employee ($millions) | 3.1291% | 5,840 |
| Cash dividends to net income (ytd only)* | 10.5619% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 5,917 |
| Loan loss allowance to noncurrent loans | 48.3124% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 1.4394% | 3,963 |
| Noncurrent loans to loans | 2.2619% | 3,036 |
| Net loans and leases to total assets | 60.3803% | 4,063 |
| Net loans and leases to deposits | 67.1320% | 4,749 |
| Net loans and leases to core deposits | 71.4398% | 4,780 |
| Total domestic deposits to total assets | 89.9426% | 898 |
| Equity capital to assets | 9.0813% | 5,657 |
| Core capital (leverage) ratio | 8.4673% | 5,753 |
| Tier 1 risk-based capital ratio | 13.2206% | 4,933 |
| Total risk-based capital ratio | 14.2585% | 5,061 |
| Memoranda: | ||
| Average total assets | $74,313,750 | 5,669 |
| Average earning assets | $66,098,500 | 5,710 |
| Average equity | $6,262,500 | 6,126 |
| Average total loans | $45,043,500 | 5,513 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5499% | 1,183 |
| Cost of funding earning assets | 1.4279% | 1,291 |
| Net interest margin | 4.1220% | 2,333 |
| Noninterest income to average assets | 0.4915% | 3,934 |
| Noninterest expense to average assets | 2.3524% | 5,987 |
| Loan and lease loss provision to assets | 0.0324% | 5,906 |
| Net operating income to assets | 1.1721% | 1,654 |
| Return on assets (ROA) | 1.1721% | 1,737 |
| Pretax return on assets | 1.7555% | 951 |
| Return on Equity (ROE) | 14.2841% | 923 |
| Retained earnings to average equity (ytd only) | 12.6056% | 437 |
| Net charge-offs to loans | -0.0089% | 6,662 |
| Credit loss provision to net charge-offs | -600.0000% | 6,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4905% | 6,365 |
| Assets per employee ($millions) | 3.1130% | 5,847 |
| Cash dividends to net income (ytd only)* | 11.7512% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 5,982 |
| Loan loss allowance to noncurrent loans | 117.1429% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.6719% | 5,556 |
| Noncurrent loans to loans | 0.9344% | 5,102 |
| Net loans and leases to total assets | 59.5037% | 4,375 |
| Net loans and leases to deposits | 65.6318% | 5,053 |
| Net loans and leases to core deposits | 68.9170% | 5,197 |
| Total domestic deposits to total assets | 90.6629% | 653 |
| Equity capital to assets | 8.5514% | 6,125 |
| Core capital (leverage) ratio | 8.1492% | 6,100 |
| Tier 1 risk-based capital ratio | 12.7289% | 5,153 |
| Total risk-based capital ratio | 13.7539% | 5,320 |
| Memoranda: | ||
| Average total assets | $74,052,000 | 5,723 |
| Average earning assets | $65,550,330 | 5,772 |
| Average equity | $6,076,670 | 6,215 |
| Average total loans | $44,776,000 | 5,573 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5744% | 1,110 |
| Cost of funding earning assets | 1.5298% | 1,055 |
| Net interest margin | 4.0445% | 2,494 |
| Noninterest income to average assets | 0.5046% | 3,846 |
| Noninterest expense to average assets | 2.2897% | 6,215 |
| Loan and lease loss provision to assets | 0.0326% | 5,563 |
| Net operating income to assets | 1.1557% | 1,644 |
| Return on assets (ROA) | 1.1557% | 1,695 |
| Pretax return on assets | 1.7254% | 940 |
| Return on Equity (ROE) | 14.3907% | 921 |
| Retained earnings to average equity (ytd only) | 12.7016% | 634 |
| Net charge-offs to loans | -0.0179% | 6,533 |
| Credit loss provision to net charge-offs | -300.0000% | 5,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1662% | 6,487 |
| Assets per employee ($millions) | 3.2554% | 5,585 |
| Cash dividends to net income (ytd only)* | 11.7371% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 6,048 |
| Loan loss allowance to noncurrent loans | 118.5366% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.6638% | 5,633 |
| Noncurrent loans to loans | 0.9272% | 5,178 |
| Net loans and leases to total assets | 58.4107% | 4,574 |
| Net loans and leases to deposits | 64.1454% | 5,235 |
| Net loans and leases to core deposits | 66.8189% | 5,430 |
| Total domestic deposits to total assets | 91.0598% | 597 |
| Equity capital to assets | 8.0855% | 6,403 |
| Core capital (leverage) ratio | 8.0171% | 6,232 |
| Tier 1 risk-based capital ratio | 12.5606% | 5,203 |
| Total risk-based capital ratio | 13.5931% | 5,399 |
| Memoranda: | ||
| Average total assets | $73,721,500 | 5,769 |
| Average earning assets | $64,581,500 | 5,838 |
| Average equity | $5,920,500 | 6,274 |
| Average total loans | $44,689,500 | 5,627 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9724% | 900 |
| Cost of funding earning assets | 1.8557% | 980 |
| Net interest margin | 4.1166% | 2,497 |
| Noninterest income to average assets | 0.6307% | 3,279 |
| Noninterest expense to average assets | 2.5185% | 5,718 |
| Loan and lease loss provision to assets | 0.0625% | 6,517 |
| Net operating income to assets | 1.1336% | 1,597 |
| Return on assets (ROA) | 1.1364% | 1,670 |
| Pretax return on assets | 1.7344% | 883 |
| Return on Equity (ROE) | 14.2552% | 845 |
| Retained earnings to average equity (ytd only) | 11.1012% | 369 |
| Net charge-offs to loans | 0.0520% | 6,271 |
| Credit loss provision to net charge-offs | 191.3043% | 1,684 |
| Earnings coverage of net charge-offs (x) | 54.8696% | 425 |
| Efficiency ratio | 58.0890% | 6,327 |
| Assets per employee ($millions) | 3.1551% | 5,766 |
| Cash dividends to net income (ytd only)* | 22.1250% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0585% | 6,116 |
| Loan loss allowance to noncurrent loans | 90.7021% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.8020% | 5,407 |
| Noncurrent loans to loans | 1.1670% | 4,767 |
| Net loans and leases to total assets | 61.5698% | 4,380 |
| Net loans and leases to deposits | 67.6375% | 5,150 |
| Net loans and leases to core deposits | 70.6716% | 5,382 |
| Total domestic deposits to total assets | 91.0291% | 588 |
| Equity capital to assets | 7.9746% | 6,520 |
| Core capital (leverage) ratio | 7.8249% | 6,408 |
| Tier 1 risk-based capital ratio | 12.0235% | 5,447 |
| Total risk-based capital ratio | 13.0280% | 5,671 |
| Memoranda: | ||
| Average total assets | $70,399,400 | 5,873 |
| Average earning assets | $62,939,800 | 5,895 |
| Average equity | $5,612,000 | 6,482 |
| Average total loans | $44,241,200 | 5,738 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8999% | 1,135 |
| Cost of funding earning assets | 1.8918% | 1,058 |
| Net interest margin | 4.0081% | 3,065 |
| Noninterest income to average assets | 0.5669% | 3,677 |
| Noninterest expense to average assets | 2.3915% | 6,057 |
| Loan and lease loss provision to assets | 0.0725% | 6,334 |
| Net operating income to assets | 1.1318% | 1,792 |
| Return on assets (ROA) | 1.1356% | 1,892 |
| Pretax return on assets | 1.7196% | 1,076 |
| Return on Equity (ROE) | 14.2470% | 984 |
| Retained earnings to average equity (ytd only) | 12.4034% | 415 |
| Net charge-offs to loans | 0.0666% | 5,846 |
| Credit loss provision to net charge-offs | 172.7273% | 2,134 |
| Earnings coverage of net charge-offs (x) | 42.5493% | 652 |
| Efficiency ratio | 56.9210% | 6,423 |
| Assets per employee ($millions) | 3.1202% | 5,876 |
| Cash dividends to net income (ytd only)* | 12.9407% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0594% | 6,119 |
| Loan loss allowance to noncurrent loans | 36.8093% | 5,881 |
| Noncurrent assets plus other real estate owned to assets | 1.8045% | 3,742 |
| Noncurrent loans to loans | 2.8781% | 2,775 |
| Net loans and leases to total assets | 61.5537% | 4,624 |
| Net loans and leases to deposits | 67.9067% | 5,434 |
| Net loans and leases to core deposits | 70.8280% | 5,665 |
| Total domestic deposits to total assets | 90.6445% | 577 |
| Equity capital to assets | 8.2380% | 6,566 |
| Core capital (leverage) ratio | 7.8887% | 6,480 |
| Tier 1 risk-based capital ratio | 11.9714% | 5,488 |
| Total risk-based capital ratio | 12.9801% | 5,674 |
| Memoranda: | ||
| Average total assets | $69,857,250 | 5,947 |
| Average earning assets | $62,937,500 | 5,960 |
| Average equity | $5,568,250 | 6,577 |
| Average total loans | $44,012,000 | 5,827 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9307% | 1,104 |
| Cost of funding earning assets | 1.9341% | 1,092 |
| Net interest margin | 3.9965% | 3,030 |
| Noninterest income to average assets | 0.5316% | 3,860 |
| Noninterest expense to average assets | 2.4212% | 6,005 |
| Loan and lease loss provision to assets | 0.0636% | 6,317 |
| Net operating income to assets | 1.0806% | 1,920 |
| Return on assets (ROA) | 1.0864% | 1,973 |
| Pretax return on assets | 1.6556% | 1,156 |
| Return on Equity (ROE) | 13.7889% | 1,079 |
| Retained earnings to average equity (ytd only) | 11.9186% | 507 |
| Net charge-offs to loans | 0.0913% | 5,223 |
| Credit loss provision to net charge-offs | 110.0000% | 3,701 |
| Earnings coverage of net charge-offs (x) | 29.6000% | 930 |
| Efficiency ratio | 58.2517% | 6,346 |
| Assets per employee ($millions) | 3.0226% | 6,098 |
| Cash dividends to net income (ytd only)* | 13.5638% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0445% | 6,209 |
| Loan loss allowance to noncurrent loans | 45.9000% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 1.4528% | 4,281 |
| Noncurrent loans to loans | 2.2755% | 3,399 |
| Net loans and leases to total assets | 62.5541% | 4,570 |
| Net loans and leases to deposits | 68.8848% | 5,433 |
| Net loans and leases to core deposits | 72.6381% | 5,604 |
| Total domestic deposits to total assets | 90.8097% | 563 |
| Equity capital to assets | 8.1445% | 6,605 |
| Core capital (leverage) ratio | 7.8058% | 6,489 |
| Tier 1 risk-based capital ratio | 12.0261% | 5,288 |
| Total risk-based capital ratio | 13.0449% | 5,462 |
| Memoranda: | ||
| Average total assets | $69,221,330 | 5,999 |
| Average earning assets | $62,354,000 | 6,009 |
| Average equity | $5,453,670 | 6,631 |
| Average total loans | $43,800,330 | 5,874 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9695% | 1,034 |
| Cost of funding earning assets | 1.9748% | 1,170 |
| Net interest margin | 3.9947% | 2,888 |
| Noninterest income to average assets | 0.5270% | 3,838 |
| Noninterest expense to average assets | 2.4612% | 5,869 |
| Loan and lease loss provision to assets | 0.0347% | 6,328 |
| Net operating income to assets | 1.0713% | 1,927 |
| Return on assets (ROA) | 1.0713% | 1,999 |
| Pretax return on assets | 1.6273% | 1,201 |
| Return on Equity (ROE) | 13.8331% | 1,083 |
| Retained earnings to average equity (ytd only) | 11.8890% | 763 |
| Net charge-offs to loans | 0.1281% | 4,197 |
| Credit loss provision to net charge-offs | 42.8571% | 4,589 |
| Earnings coverage of net charge-offs (x) | 20.5000% | 1,154 |
| Efficiency ratio | 59.4101% | 6,274 |
| Assets per employee ($millions) | 3.0075% | 6,200 |
| Cash dividends to net income (ytd only)* | 14.0541% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 6,335 |
| Loan loss allowance to noncurrent loans | 32.5835% | 6,235 |
| Noncurrent assets plus other real estate owned to assets | 2.0066% | 3,496 |
| Noncurrent loans to loans | 3.1516% | 2,548 |
| Net loans and leases to total assets | 62.5605% | 4,645 |
| Net loans and leases to deposits | 68.6197% | 5,518 |
| Net loans and leases to core deposits | 71.5136% | 5,767 |
| Total domestic deposits to total assets | 91.1700% | 479 |
| Equity capital to assets | 7.8629% | 6,796 |
| Core capital (leverage) ratio | 7.5565% | 6,790 |
| Tier 1 risk-based capital ratio | 11.6632% | 5,519 |
| Total risk-based capital ratio | 12.6605% | 5,731 |
| Memoranda: | ||
| Average total assets | $69,072,500 | 6,070 |
| Average earning assets | $62,183,000 | 6,075 |
| Average equity | $5,349,500 | 6,724 |
| Average total loans | $43,727,500 | 5,947 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5375% | 614 |
| Cost of funding earning assets | 2.3066% | 1,626 |
| Net interest margin | 4.2309% | 1,971 |
| Noninterest income to average assets | 0.1668% | 6,886 |
| Noninterest expense to average assets | 2.5786% | 5,869 |
| Loan and lease loss provision to assets | 0.9635% | 2,347 |
| Net operating income to assets | 0.1135% | 5,172 |
| Return on assets (ROA) | 0.1204% | 5,203 |
| Pretax return on assets | 0.4277% | 4,407 |
| Return on Equity (ROE) | 1.4333% | 5,112 |
| Retained earnings to average equity (ytd only) | 0.0184% | 4,902 |
| Net charge-offs to loans | 1.3155% | 1,894 |
| Credit loss provision to net charge-offs | 108.5217% | 5,101 |
| Earnings coverage of net charge-offs (x) | 1.5548% | 4,579 |
| Efficiency ratio | 64.7426% | 5,635 |
| Assets per employee ($millions) | 2.9988% | 6,229 |
| Cash dividends to net income (ytd only)* | 98.7179% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 6,152 |
| Loan loss allowance to noncurrent loans | 61.3423% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 1.0946% | 4,904 |
| Noncurrent loans to loans | 1.7036% | 4,084 |
| Net loans and leases to total assets | 62.7414% | 4,859 |
| Net loans and leases to deposits | 68.5192% | 5,773 |
| Net loans and leases to core deposits | 83.1137% | 5,809 |
| Total domestic deposits to total assets | 91.5676% | 360 |
| Equity capital to assets | 7.6263% | 6,924 |
| Core capital (leverage) ratio | 7.7823% | 6,475 |
| Tier 1 risk-based capital ratio | 11.3109% | 5,605 |
| Total risk-based capital ratio | 12.3266% | 5,806 |
| Memoranda: | ||
| Average total assets | $64,762,600 | 6,174 |
| Average earning assets | $58,049,600 | 6,219 |
| Average equity | $5,441,800 | 6,788 |
| Average total loans | $43,711,000 | 5,945 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6482% | 561 |
| Cost of funding earning assets | 2.3772% | 1,712 |
| Net interest margin | 4.2710% | 1,805 |
| Noninterest income to average assets | 0.6634% | 3,267 |
| Noninterest expense to average assets | 2.4653% | 6,196 |
| Loan and lease loss provision to assets | 0.2469% | 4,974 |
| Net operating income to assets | 1.1603% | 1,563 |
| Return on assets (ROA) | 1.1698% | 1,597 |
| Pretax return on assets | 1.7935% | 812 |
| Return on Equity (ROE) | 13.5826% | 1,002 |
| Retained earnings to average equity (ytd only) | 11.7117% | 380 |
| Net charge-offs to loans | 0.2410% | 4,547 |
| Credit loss provision to net charge-offs | 149.3671% | 3,224 |
| Earnings coverage of net charge-offs (x) | 12.2532% | 1,780 |
| Efficiency ratio | 54.5666% | 7,177 |
| Assets per employee ($millions) | 2.8897% | 6,436 |
| Cash dividends to net income (ytd only)* | 13.7741% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 6,279 |
| Loan loss allowance to noncurrent loans | 51.6763% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 1.4790% | 4,160 |
| Noncurrent loans to loans | 1.9372% | 3,722 |
| Net loans and leases to total assets | 66.5102% | 4,303 |
| Net loans and leases to deposits | 73.6426% | 5,417 |
| Net loans and leases to core deposits | 88.9434% | 5,536 |
| Total domestic deposits to total assets | 90.3148% | 659 |
| Equity capital to assets | 8.6786% | 5,992 |
| Core capital (leverage) ratio | 8.5137% | 5,465 |
| Tier 1 risk-based capital ratio | 12.3128% | 4,692 |
| Total risk-based capital ratio | 13.3015% | 4,867 |
| Memoranda: | ||
| Average total assets | $63,710,250 | 6,256 |
| Average earning assets | $57,096,500 | 6,291 |
| Average equity | $5,487,250 | 6,850 |
| Average total loans | $43,706,000 | 5,986 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8297% | 427 |
| Cost of funding earning assets | 2.4628% | 1,737 |
| Net interest margin | 4.3669% | 1,478 |
| Noninterest income to average assets | 0.6657% | 3,225 |
| Noninterest expense to average assets | 2.4844% | 6,170 |
| Loan and lease loss provision to assets | 0.3567% | 3,786 |
| Net operating income to assets | 1.1258% | 1,679 |
| Return on assets (ROA) | 1.1403% | 1,715 |
| Pretax return on assets | 1.7550% | 920 |
| Return on Equity (ROE) | 13.2748% | 1,129 |
| Retained earnings to average equity (ytd only) | 11.3837% | 512 |
| Net charge-offs to loans | 0.2166% | 4,149 |
| Credit loss provision to net charge-offs | 238.2979% | 1,955 |
| Earnings coverage of net charge-offs (x) | 13.9574% | 1,696 |
| Efficiency ratio | 53.9694% | 7,334 |
| Assets per employee ($millions) | 2.9309% | 6,311 |
| Cash dividends to net income (ytd only)* | 14.2458% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0839% | 5,704 |
| Loan loss allowance to noncurrent loans | 46.8317% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 1.7494% | 3,554 |
| Noncurrent loans to loans | 2.3145% | 3,122 |
| Net loans and leases to total assets | 66.9417% | 4,370 |
| Net loans and leases to deposits | 73.9895% | 5,455 |
| Net loans and leases to core deposits | 87.7692% | 5,745 |
| Total domestic deposits to total assets | 90.4746% | 641 |
| Equity capital to assets | 8.5313% | 6,003 |
| Core capital (leverage) ratio | 8.4509% | 5,524 |
| Tier 1 risk-based capital ratio | 12.3797% | 4,619 |
| Total risk-based capital ratio | 13.4663% | 4,653 |
| Memoranda: | ||
| Average total assets | $62,793,000 | 6,341 |
| Average earning assets | $56,195,330 | 6,374 |
| Average equity | $5,393,670 | 6,929 |
| Average total loans | $43,391,000 | 6,049 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9966% | 342 |
| Cost of funding earning assets | 2.5455% | 1,753 |
| Net interest margin | 4.4511% | 1,233 |
| Noninterest income to average assets | 0.6586% | 3,148 |
| Noninterest expense to average assets | 2.4472% | 6,037 |
| Loan and lease loss provision to assets | 0.0387% | 6,477 |
| Net operating income to assets | 1.4018% | 1,136 |
| Return on assets (ROA) | 1.4270% | 1,169 |
| Pretax return on assets | 2.2083% | 438 |
| Return on Equity (ROE) | 16.5543% | 748 |
| Retained earnings to average equity (ytd only) | 14.6067% | 457 |
| Net charge-offs to loans | 0.1017% | 4,157 |
| Credit loss provision to net charge-offs | 54.5455% | 4,609 |
| Earnings coverage of net charge-offs (x) | 31.0909% | 1,026 |
| Efficiency ratio | 52.2885% | 7,387 |
| Assets per employee ($millions) | 2.7086% | 6,869 |
| Cash dividends to net income (ytd only)* | 11.7647% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9120% | 6,688 |
| Loan loss allowance to noncurrent loans | 39.7828% | 5,893 |
| Noncurrent assets plus other real estate owned to assets | 1.6261% | 3,475 |
| Noncurrent loans to loans | 2.2925% | 2,864 |
| Net loans and leases to total assets | 70.2843% | 3,609 |
| Net loans and leases to deposits | 77.9509% | 4,927 |
| Net loans and leases to core deposits | 91.9892% | 5,346 |
| Total domestic deposits to total assets | 90.1649% | 723 |
| Equity capital to assets | 8.7275% | 5,724 |
| Core capital (leverage) ratio | 8.5291% | 5,475 |
| Tier 1 risk-based capital ratio | 12.1142% | 4,856 |
| Total risk-based capital ratio | 13.0397% | 5,053 |
| Memoranda: | ||
| Average total assets | $61,949,500 | 6,401 |
| Average earning assets | $55,627,000 | 6,429 |
| Average equity | $5,340,000 | 6,988 |
| Average total loans | $43,268,000 | 6,082 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1326% | 853 |
| Cost of funding earning assets | 3.0439% | 1,704 |
| Net interest margin | 4.0887% | 2,764 |
| Noninterest income to average assets | 0.6356% | 3,593 |
| Noninterest expense to average assets | 2.6270% | 5,546 |
| Loan and lease loss provision to assets | 0.1300% | 5,707 |
| Net operating income to assets | 1.0650% | 2,280 |
| Return on assets (ROA) | 1.0875% | 2,110 |
| Pretax return on assets | 1.6598% | 1,240 |
| Return on Equity (ROE) | 13.4375% | 1,229 |
| Retained earnings to average equity (ytd only) | 9.8823% | 464 |
| Net charge-offs to loans | 0.0264% | 6,464 |
| Credit loss provision to net charge-offs | 727.2727% | 575 |
| Earnings coverage of net charge-offs (x) | 98.1818% | 442 |
| Efficiency ratio | 59.5697% | 6,425 |
| Assets per employee ($millions) | 2.6783% | 6,834 |
| Cash dividends to net income (ytd only)* | 26.4574% | 4,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9634% | 6,313 |
| Loan loss allowance to noncurrent loans | 44.6389% | 5,774 |
| Noncurrent assets plus other real estate owned to assets | 1.6477% | 2,946 |
| Noncurrent loans to loans | 2.1583% | 2,555 |
| Net loans and leases to total assets | 68.0822% | 4,454 |
| Net loans and leases to deposits | 75.2408% | 5,697 |
| Net loans and leases to core deposits | 88.4754% | 5,931 |
| Total domestic deposits to total assets | 90.4857% | 495 |
| Equity capital to assets | 8.5111% | 6,066 |
| Core capital (leverage) ratio | 8.2756% | 6,001 |
| Tier 1 risk-based capital ratio | 11.9254% | 4,884 |
| Total risk-based capital ratio | 12.8838% | 5,009 |
| Memoranda: | ||
| Average total assets | $61,515,200 | 6,338 |
| Average earning assets | $56,375,000 | 6,326 |
| Average equity | $4,978,600 | 7,151 |
| Average total loans | $41,732,200 | 6,088 |