Home > Longview Bank and Trust > Performance and Condition Ratios
Longview Bank and Trust, Performance and Condition Ratios
| 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 | 4.7937% | 2,005 |
| Cost of funding earning assets | 1.2500% | 1,850 |
| Net interest margin | 3.5438% | 2,164 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 1.9470% | 3,719 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.2462% | 1,704 |
| Return on assets (ROA) | 1.2462% | 1,700 |
| Pretax return on assets | 1.6750% | 1,264 |
| Return on Equity (ROE) | 15.5100% | 1,359 |
| Retained earnings to average equity (ytd only) | 7.8795% | 2,002 |
| Net charge-offs to loans | 0.1737% | 454 |
| Credit loss provision to net charge-offs | 74.5342% | 1,574 |
| Earnings coverage of net charge-offs (x) | 14.4037% | 1,876 |
| Efficiency ratio | 52.4308% | 3,746 |
| Assets per employee ($millions) | 6.5895% | 2,222 |
| Cash dividends to net income (ytd only)* | 49.2054% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7941% | 4,039 |
| Loan loss allowance to noncurrent loans | 107.2794% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.5160% | 1,053 |
| Noncurrent loans to loans | 0.7402% | 1,019 |
| Net loans and leases to total assets | 69.1500% | 1,834 |
| Net loans and leases to deposits | 80.0894% | 1,968 |
| Net loans and leases to core deposits | 90.1893% | 1,786 |
| Total domestic deposits to total assets | 86.3400% | 2,135 |
| Equity capital to assets | 8.1513% | 3,115 |
| Core capital (leverage) ratio | 8.4542% | 4,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0105% | 2,621 |
| Memoranda: | ||
| Average total assets | $262,561,667 | 2,619 |
| Average earning assets | $244,486,333 | 2,612 |
| Average equity | $21,092,667 | 2,765 |
| Average total loans | $185,368,333 | 2,388 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6194% | 2,038 |
| Cost of funding earning assets | 1.1389% | 1,630 |
| Net interest margin | 3.4805% | 2,416 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 1.9385% | 3,772 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.2303% | 1,854 |
| Return on assets (ROA) | 1.2303% | 1,824 |
| Pretax return on assets | 1.6546% | 1,363 |
| Return on Equity (ROE) | 15.4300% | 1,473 |
| Retained earnings to average equity (ytd only) | 7.7142% | 2,311 |
| Net charge-offs to loans | 0.2535% | 302 |
| Credit loss provision to net charge-offs | 33.8983% | 1,336 |
| Earnings coverage of net charge-offs (x) | 9.5254% | 1,688 |
| Efficiency ratio | 53.0493% | 3,701 |
| Assets per employee ($millions) | 6.7042% | 2,191 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7760% | 4,128 |
| Loan loss allowance to noncurrent loans | 3,091.3043% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 3,644 |
| Noncurrent loans to loans | 0.0251% | 3,588 |
| Net loans and leases to total assets | 69.5500% | 1,668 |
| Net loans and leases to deposits | 76.9575% | 2,043 |
| Net loans and leases to core deposits | 86.1945% | 1,851 |
| Total domestic deposits to total assets | 90.3700% | 1,017 |
| Equity capital to assets | 8.0898% | 3,177 |
| Core capital (leverage) ratio | 8.0581% | 4,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8174% | 2,779 |
| Memoranda: | ||
| Average total assets | $262,053,500 | 2,657 |
| Average earning assets | $244,101,500 | 2,650 |
| Average equity | $20,896,500 | 2,805 |
| Average total loans | $186,188,500 | 2,397 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7414% | 2,428 |
| Cost of funding earning assets | 0.4316% | 1,850 |
| Net interest margin | 3.3098% | 2,538 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 1.9527% | 3,707 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.2130% | 1,724 |
| Return on assets (ROA) | 1.2130% | 1,669 |
| Pretax return on assets | 1.6269% | 1,087 |
| Return on Equity (ROE) | 15.0600% | 1,242 |
| Retained earnings to average equity (ytd only) | 10.8307% | 924 |
| Net charge-offs to loans | -0.0112% | 3,866 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.9495% | 3,800 |
| Assets per employee ($millions) | 6.5661% | 2,282 |
| Cash dividends to net income (ytd only)* | 28.1065% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7932% | 4,047 |
| Loan loss allowance to noncurrent loans | 7,142.8571% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 3,535 |
| Noncurrent loans to loans | 0.0111% | 3,759 |
| Net loans and leases to total assets | 71.4300% | 1,478 |
| Net loans and leases to deposits | 80.7102% | 1,721 |
| Net loans and leases to core deposits | 95.0721% | 1,250 |
| Total domestic deposits to total assets | 88.5100% | 1,877 |
| Equity capital to assets | 7.8590% | 3,148 |
| Core capital (leverage) ratio | 7.9745% | 4,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2193% | 2,937 |
| Memoranda: | ||
| Average total assets | $250,780,000 | 2,725 |
| Average earning assets | $233,791,000 | 2,710 |
| Average equity | $20,192,600 | 2,941 |
| Average total loans | $169,387,600 | 2,463 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5548% | 2,451 |
| Cost of funding earning assets | 0.2787% | 2,396 |
| Net interest margin | 3.2760% | 2,372 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 1.9197% | 3,700 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2450% | 1,539 |
| Return on assets (ROA) | 1.2450% | 1,513 |
| Pretax return on assets | 1.6813% | 937 |
| Return on Equity (ROE) | 15.3600% | 1,103 |
| Retained earnings to average equity (ytd only) | 13.6912% | 512 |
| Net charge-offs to loans | -0.0065% | 3,560 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.3094% | 3,883 |
| Assets per employee ($millions) | 6.1634% | 2,611 |
| Cash dividends to net income (ytd only)* | 10.8902% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7668% | 4,149 |
| Loan loss allowance to noncurrent loans | 4,630.0000% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 3,595 |
| Noncurrent loans to loans | 0.0166% | 3,803 |
| Net loans and leases to total assets | 69.4400% | 1,533 |
| Net loans and leases to deposits | 80.0106% | 1,570 |
| Net loans and leases to core deposits | 86.8759% | 1,476 |
| Total domestic deposits to total assets | 86.7900% | 2,831 |
| Equity capital to assets | 7.8930% | 2,961 |
| Core capital (leverage) ratio | 8.5503% | 4,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4667% | 2,955 |
| Memoranda: | ||
| Average total assets | $247,814,250 | 2,763 |
| Average earning assets | $231,045,000 | 2,751 |
| Average equity | $20,080,500 | 2,986 |
| Average total loans | $164,454,750 | 2,502 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4051% | 2,417 |
| Cost of funding earning assets | 0.2430% | 2,357 |
| Net interest margin | 3.1621% | 2,318 |
| Noninterest income to average assets | 0.5784% | 1,835 |
| Noninterest expense to average assets | 1.9334% | 3,620 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1805% | 1,496 |
| Return on assets (ROA) | 1.1805% | 1,471 |
| Pretax return on assets | 1.5975% | 941 |
| Return on Equity (ROE) | 14.4365% | 1,014 |
| Retained earnings to average equity (ytd only) | 11.9118% | 618 |
| Net charge-offs to loans | -0.0050% | 3,346 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7564% | 3,888 |
| Assets per employee ($millions) | 5.8117% | 2,910 |
| Cash dividends to net income (ytd only)* | 17.4879% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8389% | 4,106 |
| Loan loss allowance to noncurrent loans | 4,616.6667% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 3,903 |
| Noncurrent loans to loans | 0.0182% | 3,829 |
| Net loans and leases to total assets | 67.0735% | 1,571 |
| Net loans and leases to deposits | 74.2381% | 1,844 |
| Net loans and leases to core deposits | 76.8293% | 1,939 |
| Total domestic deposits to total assets | 90.3491% | 1,549 |
| Equity capital to assets | 8.1322% | 3,019 |
| Core capital (leverage) ratio | 8.1859% | 4,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1510% | 2,770 |
| Memoranda: | ||
| Average total assets | $244,131,333 | 2,804 |
| Average earning assets | $227,949,333 | 2,808 |
| Average equity | $19,963,333 | 3,076 |
| Average total loans | $158,891,667 | 2,560 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2502% | 2,535 |
| Cost of funding earning assets | 0.2434% | 2,233 |
| Net interest margin | 3.0068% | 2,476 |
| Noninterest income to average assets | 0.5488% | 1,903 |
| Noninterest expense to average assets | 1.9496% | 3,554 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0453% | 1,706 |
| Return on assets (ROA) | 1.0453% | 1,702 |
| Pretax return on assets | 1.4122% | 1,223 |
| Return on Equity (ROE) | 12.7473% | 1,097 |
| Retained earnings to average equity (ytd only) | 7.7123% | 1,669 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9922% | 3,685 |
| Assets per employee ($millions) | 5.7136% | 3,105 |
| Cash dividends to net income (ytd only)* | 39.4984% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9134% | 4,005 |
| Loan loss allowance to noncurrent loans | 4,315.6250% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 3,935 |
| Noncurrent loans to loans | 0.0212% | 3,845 |
| Net loans and leases to total assets | 59.5889% | 2,106 |
| Net loans and leases to deposits | 65.8037% | 2,354 |
| Net loans and leases to core deposits | 68.1200% | 2,447 |
| Total domestic deposits to total assets | 90.5557% | 1,263 |
| Equity capital to assets | 7.8863% | 3,660 |
| Core capital (leverage) ratio | 7.8089% | 4,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7081% | 2,712 |
| Memoranda: | ||
| Average total assets | $244,151,000 | 2,818 |
| Average earning assets | $228,417,500 | 2,823 |
| Average equity | $20,020,000 | 3,146 |
| Average total loans | $155,784,500 | 2,585 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7842% | 1,914 |
| Cost of funding earning assets | 0.3627% | 1,828 |
| Net interest margin | 3.4215% | 1,961 |
| Noninterest income to average assets | 0.8390% | 1,349 |
| Noninterest expense to average assets | 2.1849% | 3,133 |
| Loan and lease loss provision to assets | 0.0478% | 2,109 |
| Net operating income to assets | 1.3200% | 1,550 |
| Return on assets (ROA) | 1.3200% | 1,593 |
| Pretax return on assets | 1.7955% | 922 |
| Return on Equity (ROE) | 15.1409% | 924 |
| Retained earnings to average equity (ytd only) | 11.3309% | 645 |
| Net charge-offs to loans | 0.0087% | 2,256 |
| Credit loss provision to net charge-offs | 807.6923% | 602 |
| Earnings coverage of net charge-offs (x) | 311.6154% | 393 |
| Efficiency ratio | 54.2415% | 3,910 |
| Assets per employee ($millions) | 5.5094% | 3,250 |
| Cash dividends to net income (ytd only)* | 25.1637% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8611% | 4,157 |
| Loan loss allowance to noncurrent loans | 4,315.6250% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 4,007 |
| Noncurrent loans to loans | 0.0200% | 3,927 |
| Net loans and leases to total assets | 67.1165% | 1,362 |
| Net loans and leases to deposits | 74.6515% | 1,680 |
| Net loans and leases to core deposits | 77.3720% | 1,814 |
| Total domestic deposits to total assets | 89.9064% | 1,003 |
| Equity capital to assets | 8.5326% | 4,032 |
| Core capital (leverage) ratio | 8.4411% | 3,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0448% | 2,880 |
| Memoranda: | ||
| Average total assets | $219,776,600 | 2,907 |
| Average earning assets | $204,853,600 | 2,916 |
| Average equity | $19,160,000 | 3,287 |
| Average total loans | $150,243,000 | 2,629 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8282% | 1,957 |
| Cost of funding earning assets | 0.3964% | 1,722 |
| Net interest margin | 3.4318% | 2,066 |
| Noninterest income to average assets | 0.8860% | 1,284 |
| Noninterest expense to average assets | 2.1500% | 3,220 |
| Loan and lease loss provision to assets | 0.0650% | 1,702 |
| Net operating income to assets | 1.3674% | 1,638 |
| Return on assets (ROA) | 1.3674% | 1,693 |
| Pretax return on assets | 1.8685% | 1,004 |
| Return on Equity (ROE) | 15.5933% | 1,023 |
| Retained earnings to average equity (ytd only) | 12.2207% | 793 |
| Net charge-offs to loans | -0.0162% | 3,880 |
| Credit loss provision to net charge-offs | -583.3333% | 3,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6515% | 3,963 |
| Assets per employee ($millions) | 5.2374% | 3,467 |
| Cash dividends to net income (ytd only)* | 21.6290% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9231% | 4,096 |
| Loan loss allowance to noncurrent loans | 3,715.7895% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 4,089 |
| Noncurrent loans to loans | 0.0248% | 4,018 |
| Net loans and leases to total assets | 68.8930% | 1,208 |
| Net loans and leases to deposits | 77.2612% | 1,550 |
| Net loans and leases to core deposits | 80.6690% | 1,683 |
| Total domestic deposits to total assets | 89.1690% | 1,185 |
| Equity capital to assets | 9.0180% | 3,816 |
| Core capital (leverage) ratio | 8.5015% | 4,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3633% | 2,887 |
| Memoranda: | ||
| Average total assets | $215,495,000 | 2,976 |
| Average earning assets | $200,785,750 | 2,982 |
| Average equity | $18,896,500 | 3,348 |
| Average total loans | $147,708,250 | 2,695 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6120% | 2,583 |
| Cost of funding earning assets | 0.4218% | 1,721 |
| Net interest margin | 3.1902% | 2,782 |
| Noninterest income to average assets | 0.9149% | 1,233 |
| Noninterest expense to average assets | 2.1925% | 3,112 |
| Loan and lease loss provision to assets | 0.0841% | 1,459 |
| Net operating income to assets | 1.1738% | 2,283 |
| Return on assets (ROA) | 1.1738% | 2,350 |
| Pretax return on assets | 1.6140% | 1,696 |
| Return on Equity (ROE) | 13.5177% | 1,561 |
| Retained earnings to average equity (ytd only) | 8.3732% | 1,952 |
| Net charge-offs to loans | -0.0178% | 3,938 |
| Credit loss provision to net charge-offs | -692.3077% | 3,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3536% | 3,498 |
| Assets per employee ($millions) | 5.0643% | 3,604 |
| Cash dividends to net income (ytd only)* | 38.0573% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9690% | 3,931 |
| Loan loss allowance to noncurrent loans | 509.8901% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.1254% | 3,397 |
| Noncurrent loans to loans | 0.1900% | 3,279 |
| Net loans and leases to total assets | 65.3270% | 1,786 |
| Net loans and leases to deposits | 72.9314% | 2,119 |
| Net loans and leases to core deposits | 76.1653% | 2,223 |
| Total domestic deposits to total assets | 89.5732% | 990 |
| Equity capital to assets | 8.6565% | 4,082 |
| Core capital (leverage) ratio | 8.0418% | 4,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7790% | 2,781 |
| Memoranda: | ||
| Average total assets | $214,003,333 | 2,980 |
| Average earning assets | $199,611,333 | 2,983 |
| Average equity | $18,583,000 | 3,374 |
| Average total loans | $145,959,000 | 2,726 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5655% | 2,743 |
| Cost of funding earning assets | 0.4444% | 1,767 |
| Net interest margin | 3.1211% | 2,927 |
| Noninterest income to average assets | 1.0202% | 1,102 |
| Noninterest expense to average assets | 2.2006% | 3,115 |
| Loan and lease loss provision to assets | 0.0849% | 1,540 |
| Net operating income to assets | 1.1899% | 2,185 |
| Return on assets (ROA) | 1.1899% | 2,258 |
| Pretax return on assets | 1.6481% | 1,606 |
| Return on Equity (ROE) | 13.6810% | 1,496 |
| Retained earnings to average equity (ytd only) | 7.6752% | 2,356 |
| Net charge-offs to loans | -0.0163% | 3,898 |
| Credit loss provision to net charge-offs | -750.0000% | 3,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9444% | 3,553 |
| Assets per employee ($millions) | 4.6864% | 3,941 |
| Cash dividends to net income (ytd only)* | 43.8986% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9213% | 4,096 |
| Loan loss allowance to noncurrent loans | 485.5072% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 3,550 |
| Noncurrent loans to loans | 0.1898% | 3,424 |
| Net loans and leases to total assets | 65.4256% | 1,880 |
| Net loans and leases to deposits | 73.0469% | 2,209 |
| Net loans and leases to core deposits | 76.8493% | 2,282 |
| Total domestic deposits to total assets | 89.5665% | 1,042 |
| Equity capital to assets | 8.4563% | 4,145 |
| Core capital (leverage) ratio | 8.1222% | 4,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5719% | 2,798 |
| Memoranda: | ||
| Average total assets | $212,122,000 | 2,994 |
| Average earning assets | $198,008,500 | 2,988 |
| Average equity | $18,449,000 | 3,380 |
| Average total loans | $147,112,500 | 2,727 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1986% | 2,143 |
| Cost of funding earning assets | 0.7546% | 1,428 |
| Net interest margin | 3.4440% | 2,640 |
| Noninterest income to average assets | 0.9209% | 1,215 |
| Noninterest expense to average assets | 2.2418% | 3,562 |
| Loan and lease loss provision to assets | 0.0920% | 3,199 |
| Net operating income to assets | 1.3229% | 1,192 |
| Return on assets (ROA) | 1.3229% | 1,292 |
| Pretax return on assets | 1.8056% | 679 |
| Return on Equity (ROE) | 14.7332% | 684 |
| Retained earnings to average equity (ytd only) | 7.2271% | 1,307 |
| Net charge-offs to loans | 0.0558% | 1,984 |
| Credit loss provision to net charge-offs | 225.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 46.3875% | 1,270 |
| Efficiency ratio | 54.1569% | 4,197 |
| Assets per employee ($millions) | 4.8567% | 3,539 |
| Cash dividends to net income (ytd only)* | 50.9470% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8664% | 4,280 |
| Loan loss allowance to noncurrent loans | 565.3509% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 3,737 |
| Noncurrent loans to loans | 0.1532% | 3,671 |
| Net loans and leases to total assets | 72.3046% | 1,255 |
| Net loans and leases to deposits | 82.9676% | 1,548 |
| Net loans and leases to core deposits | 88.0463% | 1,692 |
| Total domestic deposits to total assets | 87.1479% | 1,866 |
| Equity capital to assets | 8.9576% | 4,095 |
| Core capital (leverage) ratio | 8.4107% | 4,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9839% | 2,925 |
| Memoranda: | ||
| Average total assets | $195,560,200 | 2,975 |
| Average earning assets | $182,753,400 | 2,973 |
| Average equity | $17,559,000 | 3,412 |
| Average total loans | $143,353,200 | 2,717 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2380% | 2,286 |
| Cost of funding earning assets | 0.8243% | 1,383 |
| Net interest margin | 3.4137% | 2,876 |
| Noninterest income to average assets | 0.9180% | 1,177 |
| Noninterest expense to average assets | 2.1517% | 3,812 |
| Loan and lease loss provision to assets | 0.1034% | 3,029 |
| Net operating income to assets | 1.3426% | 1,254 |
| Return on assets (ROA) | 1.3426% | 1,348 |
| Pretax return on assets | 1.8567% | 705 |
| Return on Equity (ROE) | 14.9434% | 695 |
| Retained earnings to average equity (ytd only) | 5.5999% | 2,288 |
| Net charge-offs to loans | 0.0836% | 1,475 |
| Credit loss provision to net charge-offs | 168.5393% | 2,236 |
| Earnings coverage of net charge-offs (x) | 31.9551% | 1,526 |
| Efficiency ratio | 52.3299% | 4,309 |
| Assets per employee ($millions) | 5.1948% | 3,025 |
| Cash dividends to net income (ytd only)* | 62.5257% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8282% | 4,289 |
| Loan loss allowance to noncurrent loans | 299.7602% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 3,181 |
| Noncurrent loans to loans | 0.2763% | 3,304 |
| Net loans and leases to total assets | 73.8809% | 1,382 |
| Net loans and leases to deposits | 84.7289% | 1,837 |
| Net loans and leases to core deposits | 89.8322% | 1,992 |
| Total domestic deposits to total assets | 87.1969% | 1,577 |
| Equity capital to assets | 8.7542% | 4,290 |
| Core capital (leverage) ratio | 8.2148% | 4,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8316% | 2,955 |
| Memoranda: | ||
| Average total assets | $193,454,500 | 2,976 |
| Average earning assets | $180,992,000 | 2,967 |
| Average equity | $17,380,750 | 3,433 |
| Average total loans | $141,997,000 | 2,735 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2625% | 2,569 |
| Cost of funding earning assets | 0.8967% | 1,390 |
| Net interest margin | 3.3658% | 3,207 |
| Noninterest income to average assets | 0.9149% | 1,133 |
| Noninterest expense to average assets | 2.1690% | 3,879 |
| Loan and lease loss provision to assets | 0.0788% | 3,311 |
| Net operating income to assets | 1.3193% | 1,307 |
| Return on assets (ROA) | 1.3193% | 1,407 |
| Pretax return on assets | 1.8172% | 788 |
| Return on Equity (ROE) | 14.5519% | 784 |
| Retained earnings to average equity (ytd only) | 4.5185% | 2,698 |
| Net charge-offs to loans | 0.0072% | 2,704 |
| Credit loss provision to net charge-offs | 1,500.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 361.0000% | 287 |
| Efficiency ratio | 53.3592% | 4,247 |
| Assets per employee ($millions) | 5.0298% | 3,136 |
| Cash dividends to net income (ytd only)* | 68.9490% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8676% | 4,130 |
| Loan loss allowance to noncurrent loans | 91.1658% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.7040% | 1,744 |
| Noncurrent loans to loans | 0.9517% | 1,624 |
| Net loans and leases to total assets | 73.3331% | 1,503 |
| Net loans and leases to deposits | 84.1042% | 1,990 |
| Net loans and leases to core deposits | 89.6006% | 2,104 |
| Total domestic deposits to total assets | 87.1932% | 1,549 |
| Equity capital to assets | 8.8703% | 4,195 |
| Core capital (leverage) ratio | 8.2833% | 4,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0633% | 2,950 |
| Memoranda: | ||
| Average total assets | $190,406,333 | 2,981 |
| Average earning assets | $178,206,333 | 2,972 |
| Average equity | $17,262,333 | 3,439 |
| Average total loans | $139,018,667 | 2,756 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3950% | 2,633 |
| Cost of funding earning assets | 0.9830% | 1,498 |
| Net interest margin | 3.4120% | 3,260 |
| Noninterest income to average assets | 0.5802% | 2,126 |
| Noninterest expense to average assets | 2.1906% | 4,025 |
| Loan and lease loss provision to assets | 0.0640% | 2,964 |
| Net operating income to assets | 1.1262% | 1,760 |
| Return on assets (ROA) | 1.1262% | 1,862 |
| Pretax return on assets | 1.5166% | 1,263 |
| Return on Equity (ROE) | 12.2837% | 1,036 |
| Retained earnings to average equity (ytd only) | 8.5381% | 1,091 |
| Net charge-offs to loans | 0.0235% | 1,895 |
| Credit loss provision to net charge-offs | 375.0000% | 1,044 |
| Earnings coverage of net charge-offs (x) | 92.6250% | 610 |
| Efficiency ratio | 58.0882% | 3,984 |
| Assets per employee ($millions) | 5.0292% | 2,617 |
| Cash dividends to net income (ytd only)* | 30.4924% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8703% | 4,219 |
| Loan loss allowance to noncurrent loans | 79.4098% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 0.7980% | 1,699 |
| Noncurrent loans to loans | 1.0959% | 1,517 |
| Net loans and leases to total assets | 72.1792% | 1,896 |
| Net loans and leases to deposits | 81.1170% | 2,568 |
| Net loans and leases to core deposits | 88.9890% | 2,446 |
| Total domestic deposits to total assets | 88.9817% | 673 |
| Equity capital to assets | 9.0959% | 4,539 |
| Core capital (leverage) ratio | 8.5439% | 4,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2136% | 3,037 |
| Memoranda: | ||
| Average total assets | $187,529,000 | 2,976 |
| Average earning assets | $175,382,500 | 2,964 |
| Average equity | $17,193,500 | 3,452 |
| Average total loans | $135,973,000 | 2,764 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7111% | 2,292 |
| Cost of funding earning assets | 1.0147% | 1,663 |
| Net interest margin | 3.6964% | 2,825 |
| Noninterest income to average assets | 0.4801% | 2,853 |
| Noninterest expense to average assets | 2.1811% | 4,198 |
| Loan and lease loss provision to assets | 0.0222% | 3,583 |
| Net operating income to assets | 1.2863% | 1,743 |
| Return on assets (ROA) | 1.2863% | 1,823 |
| Pretax return on assets | 1.7448% | 1,078 |
| Return on Equity (ROE) | 14.3972% | 817 |
| Retained earnings to average equity (ytd only) | 10.4008% | 419 |
| Net charge-offs to loans | -0.0781% | 4,914 |
| Credit loss provision to net charge-offs | -39.6040% | 4,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2450% | 4,298 |
| Assets per employee ($millions) | 4.4866% | 3,243 |
| Cash dividends to net income (ytd only)* | 27.7586% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8954% | 3,980 |
| Loan loss allowance to noncurrent loans | 228.6538% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.2827% | 3,292 |
| Noncurrent loans to loans | 0.3916% | 3,031 |
| Net loans and leases to total assets | 71.5443% | 2,162 |
| Net loans and leases to deposits | 80.6186% | 2,709 |
| Net loans and leases to core deposits | 88.4906% | 2,565 |
| Total domestic deposits to total assets | 88.7442% | 770 |
| Equity capital to assets | 9.2439% | 4,534 |
| Core capital (leverage) ratio | 8.5002% | 4,846 |
| Tier 1 risk-based capital ratio | 11.4958% | 4,631 |
| Total risk-based capital ratio | 12.3657% | 4,704 |
| Memoranda: | ||
| Average total assets | $180,364,600 | 3,019 |
| Average earning assets | $169,217,200 | 2,999 |
| Average equity | $16,114,200 | 3,529 |
| Average total loans | $129,355,000 | 2,826 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7114% | 2,377 |
| Cost of funding earning assets | 1.0050% | 1,744 |
| Net interest margin | 3.7065% | 2,890 |
| Noninterest income to average assets | 0.4770% | 2,872 |
| Noninterest expense to average assets | 2.1448% | 4,283 |
| Loan and lease loss provision to assets | 0.0297% | 3,307 |
| Net operating income to assets | 1.3075% | 1,825 |
| Return on assets (ROA) | 1.3075% | 1,911 |
| Pretax return on assets | 1.7823% | 1,135 |
| Return on Equity (ROE) | 14.7662% | 830 |
| Retained earnings to average equity (ytd only) | 10.7139% | 578 |
| Net charge-offs to loans | -0.1038% | 4,998 |
| Credit loss provision to net charge-offs | -40.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2058% | 4,371 |
| Assets per employee ($millions) | 4.7843% | 2,814 |
| Cash dividends to net income (ytd only)* | 27.4430% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9026% | 4,031 |
| Loan loss allowance to noncurrent loans | 29,700.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 4,765 |
| Noncurrent loans to loans | 0.0030% | 4,678 |
| Net loans and leases to total assets | 69.9040% | 2,493 |
| Net loans and leases to deposits | 78.5776% | 3,045 |
| Net loans and leases to core deposits | 85.9926% | 2,906 |
| Total domestic deposits to total assets | 88.9617% | 620 |
| Equity capital to assets | 8.8994% | 4,827 |
| Core capital (leverage) ratio | 8.4072% | 4,981 |
| Tier 1 risk-based capital ratio | 11.2783% | 4,773 |
| Total risk-based capital ratio | 12.1531% | 4,842 |
| Memoranda: | ||
| Average total assets | $179,468,500 | 3,050 |
| Average earning assets | $168,494,000 | 3,032 |
| Average equity | $15,891,750 | 3,590 |
| Average total loans | $128,495,250 | 2,874 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5616% | 2,796 |
| Cost of funding earning assets | 0.9862% | 1,761 |
| Net interest margin | 3.5754% | 3,350 |
| Noninterest income to average assets | 0.4179% | 3,149 |
| Noninterest expense to average assets | 2.1717% | 4,294 |
| Loan and lease loss provision to assets | 0.0678% | 2,458 |
| Net operating income to assets | 1.1361% | 2,385 |
| Return on assets (ROA) | 1.1361% | 2,466 |
| Pretax return on assets | 1.5359% | 1,740 |
| Return on Equity (ROE) | 12.8529% | 1,289 |
| Retained earnings to average equity (ytd only) | 8.7390% | 1,116 |
| Net charge-offs to loans | 0.0188% | 2,496 |
| Credit loss provision to net charge-offs | 500.0000% | 590 |
| Earnings coverage of net charge-offs (x) | 118.3333% | 613 |
| Efficiency ratio | 57.5232% | 4,067 |
| Assets per employee ($millions) | 4.6332% | 2,957 |
| Cash dividends to net income (ytd only)* | 32.0080% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8377% | 4,311 |
| Loan loss allowance to noncurrent loans | 63.6469% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 0.9530% | 1,465 |
| Noncurrent loans to loans | 1.3161% | 1,192 |
| Net loans and leases to total assets | 71.8022% | 2,237 |
| Net loans and leases to deposits | 80.7638% | 2,875 |
| Net loans and leases to core deposits | 88.6447% | 2,733 |
| Total domestic deposits to total assets | 88.9040% | 704 |
| Equity capital to assets | 8.8619% | 4,869 |
| Core capital (leverage) ratio | 8.3949% | 5,013 |
| Tier 1 risk-based capital ratio | 10.8388% | 4,978 |
| Total risk-based capital ratio | 11.6458% | 5,061 |
| Memoranda: | ||
| Average total assets | $177,096,000 | 3,089 |
| Average earning assets | $166,302,330 | 3,071 |
| Average equity | $15,654,000 | 3,616 |
| Average total loans | $127,454,000 | 2,903 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5305% | 2,766 |
| Cost of funding earning assets | 0.9746% | 1,680 |
| Net interest margin | 3.5559% | 3,415 |
| Noninterest income to average assets | 0.4427% | 2,892 |
| Noninterest expense to average assets | 2.1746% | 4,326 |
| Loan and lease loss provision to assets | 0.1369% | 1,264 |
| Net operating income to assets | 1.0770% | 2,558 |
| Return on assets (ROA) | 1.0770% | 2,604 |
| Pretax return on assets | 1.4695% | 1,868 |
| Return on Equity (ROE) | 12.2007% | 1,463 |
| Retained earnings to average equity (ytd only) | 8.0390% | 1,644 |
| Net charge-offs to loans | 0.0445% | 1,637 |
| Credit loss provision to net charge-offs | 428.5714% | 662 |
| Earnings coverage of net charge-offs (x) | 50.2857% | 1,021 |
| Efficiency ratio | 57.5136% | 4,147 |
| Assets per employee ($millions) | 4.5498% | 3,119 |
| Cash dividends to net income (ytd only)* | 34.1102% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8677% | 4,279 |
| Loan loss allowance to noncurrent loans | 65.9831% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 0.9682% | 1,451 |
| Noncurrent loans to loans | 1.3150% | 1,243 |
| Net loans and leases to total assets | 70.4377% | 2,414 |
| Net loans and leases to deposits | 79.2003% | 2,930 |
| Net loans and leases to core deposits | 86.9661% | 2,782 |
| Total domestic deposits to total assets | 88.9361% | 886 |
| Equity capital to assets | 8.8102% | 4,812 |
| Core capital (leverage) ratio | 8.1973% | 5,139 |
| Tier 1 risk-based capital ratio | 11.0760% | 4,940 |
| Total risk-based capital ratio | 11.9205% | 5,021 |
| Memoranda: | ||
| Average total assets | $175,296,500 | 3,139 |
| Average earning assets | $164,572,500 | 3,119 |
| Average equity | $15,474,500 | 3,646 |
| Average total loans | $125,761,500 | 2,952 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4523% | 2,597 |
| Cost of funding earning assets | 0.7306% | 1,902 |
| Net interest margin | 3.7217% | 2,958 |
| Noninterest income to average assets | 0.3913% | 3,487 |
| Noninterest expense to average assets | 2.1950% | 4,350 |
| Loan and lease loss provision to assets | 0.1421% | 1,515 |
| Net operating income to assets | 1.1458% | 2,409 |
| Return on assets (ROA) | 1.1458% | 2,406 |
| Pretax return on assets | 1.5645% | 1,573 |
| Return on Equity (ROE) | 12.5184% | 1,540 |
| Retained earnings to average equity (ytd only) | 8.1346% | 1,174 |
| Net charge-offs to loans | 0.0135% | 3,225 |
| Credit loss provision to net charge-offs | 1,341.1765% | 309 |
| Earnings coverage of net charge-offs (x) | 161.1176% | 533 |
| Efficiency ratio | 56.2600% | 4,379 |
| Assets per employee ($millions) | 4.6798% | 2,906 |
| Cash dividends to net income (ytd only)* | 35.0190% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8354% | 4,417 |
| Loan loss allowance to noncurrent loans | 59.6471% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 1.0147% | 1,349 |
| Noncurrent loans to loans | 1.4006% | 1,113 |
| Net loans and leases to total assets | 71.8419% | 2,290 |
| Net loans and leases to deposits | 80.8264% | 2,871 |
| Net loans and leases to core deposits | 89.6844% | 2,601 |
| Total domestic deposits to total assets | 88.8843% | 909 |
| Equity capital to assets | 8.8455% | 4,698 |
| Core capital (leverage) ratio | 8.5614% | 4,983 |
| Tier 1 risk-based capital ratio | 10.8707% | 5,035 |
| Total risk-based capital ratio | 11.6823% | 5,111 |
| Memoranda: | ||
| Average total assets | $160,501,400 | 3,271 |
| Average earning assets | $151,380,800 | 3,230 |
| Average equity | $14,690,400 | 3,673 |
| Average total loans | $126,033,000 | 2,925 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4835% | 2,357 |
| Cost of funding earning assets | 0.6821% | 1,967 |
| Net interest margin | 3.8014% | 2,638 |
| Noninterest income to average assets | 0.3661% | 3,677 |
| Noninterest expense to average assets | 2.1770% | 4,365 |
| Loan and lease loss provision to assets | 0.1466% | 1,356 |
| Net operating income to assets | 1.1660% | 2,382 |
| Return on assets (ROA) | 1.1660% | 2,386 |
| Pretax return on assets | 1.6363% | 1,463 |
| Return on Equity (ROE) | 12.6230% | 1,572 |
| Retained earnings to average equity (ytd only) | 8.1921% | 1,560 |
| Net charge-offs to loans | -0.0053% | 4,236 |
| Credit loss provision to net charge-offs | -3,460.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9754% | 4,509 |
| Assets per employee ($millions) | 4.3585% | 3,343 |
| Cash dividends to net income (ytd only)* | 35.1015% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7968% | 4,633 |
| Loan loss allowance to noncurrent loans | 186.2385% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.3380% | 3,321 |
| Noncurrent loans to loans | 0.4278% | 3,124 |
| Net loans and leases to total assets | 78.3660% | 1,285 |
| Net loans and leases to deposits | 88.9221% | 2,032 |
| Net loans and leases to core deposits | 99.4570% | 1,835 |
| Total domestic deposits to total assets | 88.1289% | 1,189 |
| Equity capital to assets | 9.3058% | 4,268 |
| Core capital (leverage) ratio | 8.5919% | 5,038 |
| Tier 1 risk-based capital ratio | 10.7673% | 5,143 |
| Total risk-based capital ratio | 11.5629% | 5,215 |
| Memoranda: | ||
| Average total assets | $157,339,000 | 3,340 |
| Average earning assets | $148,748,750 | 3,287 |
| Average equity | $14,534,000 | 3,719 |
| Average total loans | $126,180,500 | 2,953 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3872% | 2,463 |
| Cost of funding earning assets | 0.6258% | 2,070 |
| Net interest margin | 3.7614% | 2,707 |
| Noninterest income to average assets | 0.3371% | 3,930 |
| Noninterest expense to average assets | 2.1380% | 4,518 |
| Loan and lease loss provision to assets | 0.1256% | 1,578 |
| Net operating income to assets | 1.1562% | 2,368 |
| Return on assets (ROA) | 1.1562% | 2,367 |
| Pretax return on assets | 1.6330% | 1,393 |
| Return on Equity (ROE) | 12.5484% | 1,528 |
| Retained earnings to average equity (ytd only) | 8.0688% | 1,598 |
| Net charge-offs to loans | -0.0048% | 4,090 |
| Credit loss provision to net charge-offs | -3,266.6667% | 4,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8684% | 4,598 |
| Assets per employee ($millions) | 4.9298% | 2,511 |
| Cash dividends to net income (ytd only)* | 35.6984% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7149% | 4,914 |
| Loan loss allowance to noncurrent loans | 61.2671% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 0.9411% | 1,606 |
| Noncurrent loans to loans | 1.1668% | 1,494 |
| Net loans and leases to total assets | 80.0786% | 1,004 |
| Net loans and leases to deposits | 90.6311% | 1,759 |
| Net loans and leases to core deposits | 100.1568% | 1,725 |
| Total domestic deposits to total assets | 88.3566% | 1,196 |
| Equity capital to assets | 9.0255% | 4,538 |
| Core capital (leverage) ratio | 8.5794% | 5,059 |
| Tier 1 risk-based capital ratio | 10.1312% | 5,393 |
| Total risk-based capital ratio | 10.8391% | 5,458 |
| Memoranda: | ||
| Average total assets | $156,030,330 | 3,369 |
| Average earning assets | $147,658,000 | 3,322 |
| Average equity | $14,376,330 | 3,757 |
| Average total loans | $125,776,670 | 2,972 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2939% | 2,542 |
| Cost of funding earning assets | 0.5838% | 2,142 |
| Net interest margin | 3.7102% | 2,761 |
| Noninterest income to average assets | 0.3379% | 3,898 |
| Noninterest expense to average assets | 2.1349% | 4,569 |
| Loan and lease loss provision to assets | 0.1257% | 1,496 |
| Net operating income to assets | 1.1316% | 2,280 |
| Return on assets (ROA) | 1.1316% | 2,298 |
| Pretax return on assets | 1.5900% | 1,417 |
| Return on Equity (ROE) | 12.1493% | 1,527 |
| Retained earnings to average equity (ytd only) | 7.6215% | 1,981 |
| Net charge-offs to loans | -0.0065% | 4,098 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4422% | 4,650 |
| Assets per employee ($millions) | 4.9348% | 2,562 |
| Cash dividends to net income (ytd only)* | 37.2685% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7067% | 5,018 |
| Loan loss allowance to noncurrent loans | 190.3433% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.2951% | 3,673 |
| Noncurrent loans to loans | 0.3713% | 3,452 |
| Net loans and leases to total assets | 78.9237% | 1,096 |
| Net loans and leases to deposits | 89.4964% | 1,747 |
| Net loans and leases to core deposits | 95.0141% | 2,056 |
| Total domestic deposits to total assets | 88.1865% | 1,515 |
| Equity capital to assets | 9.0930% | 4,464 |
| Core capital (leverage) ratio | 8.6957% | 4,995 |
| Tier 1 risk-based capital ratio | 10.3408% | 5,404 |
| Total risk-based capital ratio | 11.0402% | 5,498 |
| Memoranda: | ||
| Average total assets | $152,703,500 | 3,433 |
| Average earning assets | $144,576,000 | 3,401 |
| Average equity | $14,223,000 | 3,802 |
| Average total loans | $123,058,500 | 3,026 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9835% | 3,459 |
| Cost of funding earning assets | 0.4752% | 2,547 |
| Net interest margin | 3.5083% | 3,495 |
| Noninterest income to average assets | 0.4081% | 3,578 |
| Noninterest expense to average assets | 2.2068% | 4,514 |
| Loan and lease loss provision to assets | 0.3108% | 546 |
| Net operating income to assets | 0.8151% | 3,093 |
| Return on assets (ROA) | 0.8142% | 3,140 |
| Pretax return on assets | 1.2001% | 2,771 |
| Return on Equity (ROE) | 8.5623% | 2,509 |
| Retained earnings to average equity (ytd only) | 5.3085% | 1,926 |
| Net charge-offs to loans | 0.6082% | 378 |
| Credit loss provision to net charge-offs | 68.2443% | 3,110 |
| Earnings coverage of net charge-offs (x) | 3.3206% | 3,626 |
| Efficiency ratio | 59.3382% | 4,362 |
| Assets per employee ($millions) | 4.9165% | 2,579 |
| Cash dividends to net income (ytd only)* | 38.0017% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6940% | 5,083 |
| Loan loss allowance to noncurrent loans | 8,370.0000% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 5,150 |
| Noncurrent loans to loans | 0.0083% | 5,014 |
| Net loans and leases to total assets | 81.1980% | 800 |
| Net loans and leases to deposits | 92.8237% | 1,404 |
| Net loans and leases to core deposits | 94.9084% | 2,119 |
| Total domestic deposits to total assets | 87.4755% | 1,777 |
| Equity capital to assets | 9.5508% | 4,192 |
| Core capital (leverage) ratio | 8.8476% | 4,810 |
| Tier 1 risk-based capital ratio | 10.6481% | 5,318 |
| Total risk-based capital ratio | 11.3421% | 5,448 |
| Memoranda: | ||
| Average total assets | $143,826,000 | 3,554 |
| Average earning assets | $135,733,400 | 3,510 |
| Average equity | $13,676,200 | 3,890 |
| Average total loans | $107,701,200 | 3,216 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9132% | 3,648 |
| Cost of funding earning assets | 0.4501% | 2,714 |
| Net interest margin | 3.4631% | 3,628 |
| Noninterest income to average assets | 0.3779% | 3,824 |
| Noninterest expense to average assets | 2.2438% | 4,432 |
| Loan and lease loss provision to assets | 0.3891% | 356 |
| Net operating income to assets | 0.7347% | 3,798 |
| Return on assets (ROA) | 0.7333% | 3,878 |
| Pretax return on assets | 1.0095% | 3,651 |
| Return on Equity (ROE) | 7.7207% | 3,280 |
| Retained earnings to average equity (ytd only) | 4.9311% | 2,933 |
| Net charge-offs to loans | 0.8219% | 222 |
| Credit loss provision to net charge-offs | 64.7516% | 2,750 |
| Earnings coverage of net charge-offs (x) | 2.3307% | 3,476 |
| Efficiency ratio | 61.5719% | 3,944 |
| Assets per employee ($millions) | 4.5493% | 3,053 |
| Cash dividends to net income (ytd only)* | 36.1327% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7409% | 5,045 |
| Loan loss allowance to noncurrent loans | 287.0175% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.1958% | 4,317 |
| Noncurrent loans to loans | 0.2582% | 4,037 |
| Net loans and leases to total assets | 75.2732% | 1,715 |
| Net loans and leases to deposits | 86.0844% | 2,280 |
| Net loans and leases to core deposits | 88.4104% | 2,732 |
| Total domestic deposits to total assets | 87.4412% | 1,652 |
| Equity capital to assets | 9.5275% | 4,419 |
| Core capital (leverage) ratio | 8.9913% | 4,750 |
| Tier 1 risk-based capital ratio | 11.3674% | 5,040 |
| Total risk-based capital ratio | 12.1047% | 5,223 |
| Memoranda: | ||
| Average total assets | $142,908,750 | 3,604 |
| Average earning assets | $134,788,500 | 3,560 |
| Average equity | $13,573,500 | 3,938 |
| Average total loans | $104,476,500 | 3,300 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8471% | 3,730 |
| Cost of funding earning assets | 0.4222% | 2,873 |
| Net interest margin | 3.4250% | 3,679 |
| Noninterest income to average assets | 0.3845% | 3,795 |
| Noninterest expense to average assets | 2.2842% | 4,386 |
| Loan and lease loss provision to assets | 0.5450% | 208 |
| Net operating income to assets | 0.6501% | 4,082 |
| Return on assets (ROA) | 0.6478% | 4,143 |
| Pretax return on assets | 0.7858% | 4,327 |
| Return on Equity (ROE) | 6.8276% | 3,649 |
| Retained earnings to average equity (ytd only) | 4.8536% | 2,809 |
| Net charge-offs to loans | 1.2429% | 155 |
| Credit loss provision to net charge-offs | 60.7535% | 2,458 |
| Earnings coverage of net charge-offs (x) | 1.4867% | 3,273 |
| Efficiency ratio | 63.1374% | 3,811 |
| Assets per employee ($millions) | 4.2059% | 3,609 |
| Cash dividends to net income (ytd only)* | 28.9130% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7542% | 5,067 |
| Loan loss allowance to noncurrent loans | 265.0000% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.2161% | 4,292 |
| Noncurrent loans to loans | 0.2846% | 4,019 |
| Net loans and leases to total assets | 75.3754% | 1,632 |
| Net loans and leases to deposits | 86.6194% | 2,152 |
| Net loans and leases to core deposits | 88.2979% | 2,676 |
| Total domestic deposits to total assets | 87.0191% | 1,942 |
| Equity capital to assets | 9.8663% | 4,069 |
| Core capital (leverage) ratio | 8.9401% | 4,787 |
| Tier 1 risk-based capital ratio | 11.7071% | 4,837 |
| Total risk-based capital ratio | 12.4554% | 5,035 |
| Memoranda: | ||
| Average total assets | $142,018,670 | 3,634 |
| Average earning assets | $134,073,330 | 3,593 |
| Average equity | $13,474,670 | 3,962 |
| Average total loans | $102,502,000 | 3,350 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7269% | 4,021 |
| Cost of funding earning assets | 0.4220% | 2,797 |
| Net interest margin | 3.3050% | 3,989 |
| Noninterest income to average assets | 0.3871% | 3,757 |
| Noninterest expense to average assets | 2.3616% | 4,224 |
| Loan and lease loss provision to assets | 0.3593% | 324 |
| Net operating income to assets | 0.3694% | 5,024 |
| Return on assets (ROA) | 0.3676% | 5,054 |
| Pretax return on assets | 0.7826% | 4,176 |
| Return on Equity (ROE) | 3.9506% | 4,800 |
| Retained earnings to average equity (ytd only) | -0.0299% | 4,919 |
| Net charge-offs to loans | 0.0040% | 2,837 |
| Credit loss provision to net charge-offs | 12,900.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 411.0000% | 139 |
| Efficiency ratio | 67.3550% | 3,295 |
| Assets per employee ($millions) | 4.3465% | 3,428 |
| Cash dividends to net income (ytd only)* | 100.7576% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 3,242 |
| Loan loss allowance to noncurrent loans | 66.3086% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 1.2333% | 1,411 |
| Noncurrent loans to loans | 1.7834% | 1,057 |
| Net loans and leases to total assets | 68.3378% | 2,623 |
| Net loans and leases to deposits | 78.0876% | 2,955 |
| Net loans and leases to core deposits | 79.5418% | 3,334 |
| Total domestic deposits to total assets | 87.5143% | 1,982 |
| Equity capital to assets | 9.3177% | 4,489 |
| Core capital (leverage) ratio | 8.9364% | 4,810 |
| Tier 1 risk-based capital ratio | 11.9823% | 4,729 |
| Total risk-based capital ratio | 13.1431% | 4,691 |
| Memoranda: | ||
| Average total assets | $143,630,000 | 3,636 |
| Average earning assets | $135,554,000 | 3,597 |
| Average equity | $13,365,000 | 4,008 |
| Average total loans | $101,046,500 | 3,401 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6759% | 4,294 |
| Cost of funding earning assets | 0.5451% | 1,747 |
| Net interest margin | 3.1308% | 4,641 |
| Noninterest income to average assets | 0.4403% | 3,616 |
| Noninterest expense to average assets | 2.5765% | 3,753 |
| Loan and lease loss provision to assets | 0.0390% | 3,598 |
| Net operating income to assets | 0.5359% | 4,491 |
| Return on assets (ROA) | 0.5366% | 4,582 |
| Pretax return on assets | 0.8026% | 4,184 |
| Return on Equity (ROE) | 6.5854% | 3,696 |
| Retained earnings to average equity (ytd only) | 3.6023% | 3,360 |
| Net charge-offs to loans | 0.0349% | 3,330 |
| Credit loss provision to net charge-offs | 170.0000% | 1,627 |
| Earnings coverage of net charge-offs (x) | 36.6500% | 1,255 |
| Efficiency ratio | 75.4027% | 2,079 |
| Assets per employee ($millions) | 4.2475% | 3,530 |
| Cash dividends to net income (ytd only)* | 45.2991% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 4,341 |
| Loan loss allowance to noncurrent loans | 835.6164% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 5,016 |
| Noncurrent loans to loans | 0.1195% | 4,756 |
| Net loans and leases to total assets | 67.7964% | 2,811 |
| Net loans and leases to deposits | 82.7615% | 2,581 |
| Net loans and leases to core deposits | 84.0907% | 3,017 |
| Total domestic deposits to total assets | 81.9178% | 4,099 |
| Equity capital to assets | 8.0428% | 5,546 |
| Core capital (leverage) ratio | 8.2594% | 5,468 |
| Tier 1 risk-based capital ratio | 10.8783% | 5,402 |
| Total risk-based capital ratio | 11.8005% | 5,480 |
| Memoranda: | ||
| Average total assets | $87,212,600 | 4,600 |
| Average earning assets | $82,917,800 | 4,538 |
| Average equity | $7,106,600 | 5,074 |
| Average total loans | $57,342,800 | 4,364 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6676% | 4,351 |
| Cost of funding earning assets | 0.5621% | 1,596 |
| Net interest margin | 3.1055% | 4,762 |
| Noninterest income to average assets | 0.4028% | 3,902 |
| Noninterest expense to average assets | 2.5354% | 3,878 |
| Loan and lease loss provision to assets | 0.0507% | 3,230 |
| Net operating income to assets | 0.4966% | 4,711 |
| Return on assets (ROA) | 0.4966% | 4,801 |
| Pretax return on assets | 0.7642% | 4,425 |
| Return on Equity (ROE) | 6.0744% | 4,038 |
| Retained earnings to average equity (ytd only) | 3.4039% | 3,858 |
| Net charge-offs to loans | 0.0213% | 3,265 |
| Credit loss provision to net charge-offs | 366.6667% | 898 |
| Earnings coverage of net charge-offs (x) | 58.8875% | 974 |
| Efficiency ratio | 75.6769% | 2,025 |
| Assets per employee ($millions) | 3.9232% | 4,091 |
| Cash dividends to net income (ytd only)* | 43.9628% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 3,934 |
| Loan loss allowance to noncurrent loans | 282.2727% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 4,421 |
| Noncurrent loans to loans | 0.3831% | 3,888 |
| Net loans and leases to total assets | 65.8085% | 3,154 |
| Net loans and leases to deposits | 74.6377% | 3,536 |
| Net loans and leases to core deposits | 77.4443% | 3,710 |
| Total domestic deposits to total assets | 88.1707% | 1,307 |
| Equity capital to assets | 8.2643% | 5,640 |
| Core capital (leverage) ratio | 8.1625% | 5,598 |
| Tier 1 risk-based capital ratio | 11.4285% | 5,134 |
| Total risk-based capital ratio | 12.4250% | 5,180 |
| Memoranda: | ||
| Average total assets | $86,716,250 | 4,641 |
| Average earning assets | $82,303,250 | 4,578 |
| Average equity | $7,089,750 | 5,125 |
| Average total loans | $56,407,750 | 4,432 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6741% | 4,376 |
| Cost of funding earning assets | 0.5669% | 1,565 |
| Net interest margin | 3.1072% | 4,812 |
| Noninterest income to average assets | 0.3777% | 4,045 |
| Noninterest expense to average assets | 2.5423% | 3,907 |
| Loan and lease loss provision to assets | 0.0415% | 3,325 |
| Net operating income to assets | 0.4813% | 4,758 |
| Return on assets (ROA) | 0.4813% | 4,854 |
| Pretax return on assets | 0.7346% | 4,517 |
| Return on Equity (ROE) | 5.9079% | 4,089 |
| Retained earnings to average equity (ytd only) | 3.9009% | 3,412 |
| Net charge-offs to loans | 0.0392% | 2,674 |
| Credit loss provision to net charge-offs | 163.6364% | 1,503 |
| Earnings coverage of net charge-offs (x) | 30.6364% | 1,376 |
| Efficiency ratio | 76.6135% | 1,992 |
| Assets per employee ($millions) | 3.9880% | 3,928 |
| Cash dividends to net income (ytd only)* | 33.9713% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0819% | 4,040 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 62.9422% | 3,510 |
| Net loans and leases to deposits | 71.3512% | 3,851 |
| Net loans and leases to core deposits | 73.9848% | 3,983 |
| Total domestic deposits to total assets | 88.2146% | 1,309 |
| Equity capital to assets | 8.1734% | 5,743 |
| Core capital (leverage) ratio | 8.0074% | 5,726 |
| Tier 1 risk-based capital ratio | 11.7741% | 4,993 |
| Total risk-based capital ratio | 12.7788% | 5,018 |
| Memoranda: | ||
| Average total assets | $86,851,330 | 4,676 |
| Average earning assets | $82,196,000 | 4,617 |
| Average equity | $7,075,330 | 5,179 |
| Average total loans | $56,070,000 | 4,468 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6342% | 4,519 |
| Cost of funding earning assets | 0.5682% | 1,556 |
| Net interest margin | 3.0661% | 4,959 |
| Noninterest income to average assets | 0.3842% | 3,955 |
| Noninterest expense to average assets | 2.5460% | 3,923 |
| Loan and lease loss provision to assets | 0.0602% | 2,747 |
| Net operating income to assets | 0.4537% | 4,817 |
| Return on assets (ROA) | 0.4537% | 4,903 |
| Pretax return on assets | 0.6759% | 4,604 |
| Return on Equity (ROE) | 5.5781% | 4,187 |
| Retained earnings to average equity (ytd only) | 5.5781% | 2,598 |
| Net charge-offs to loans | 0.0925% | 1,586 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 12.2308% | 1,810 |
| Efficiency ratio | 77.5740% | 1,960 |
| Assets per employee ($millions) | 3.6304% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0665% | 4,251 |
| Loan loss allowance to noncurrent loans | 71.8938% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 0.9515% | 2,324 |
| Noncurrent loans to loans | 1.4834% | 1,590 |
| Net loans and leases to total assets | 63.4569% | 3,326 |
| Net loans and leases to deposits | 71.9285% | 3,654 |
| Net loans and leases to core deposits | 74.9888% | 3,791 |
| Total domestic deposits to total assets | 88.2222% | 1,516 |
| Equity capital to assets | 8.0891% | 5,786 |
| Core capital (leverage) ratio | 8.0415% | 5,748 |
| Tier 1 risk-based capital ratio | 11.8239% | 5,035 |
| Total risk-based capital ratio | 12.8250% | 5,090 |
| Memoranda: | ||
| Average total assets | $86,409,000 | 4,727 |
| Average earning assets | $81,668,500 | 4,666 |
| Average equity | $7,027,500 | 5,228 |
| Average total loans | $56,191,500 | 4,494 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8679% | 3,821 |
| Cost of funding earning assets | 0.5336% | 1,891 |
| Net interest margin | 3.3343% | 4,170 |
| Noninterest income to average assets | 0.4513% | 3,654 |
| Noninterest expense to average assets | 2.4829% | 4,283 |
| Loan and lease loss provision to assets | 0.9893% | 87 |
| Net operating income to assets | 0.1107% | 5,741 |
| Return on assets (ROA) | 0.1107% | 5,783 |
| Pretax return on assets | 0.0999% | 5,799 |
| Return on Equity (ROE) | 1.2963% | 5,720 |
| Retained earnings to average equity (ytd only) | -1.5500% | 5,720 |
| Net charge-offs to loans | 1.4246% | 116 |
| Credit loss provision to net charge-offs | 102.2388% | 2,450 |
| Earnings coverage of net charge-offs (x) | 1.1256% | 4,138 |
| Efficiency ratio | 69.5081% | 3,302 |
| Assets per employee ($millions) | 3.8949% | 4,124 |
| Cash dividends to net income (ytd only)* | 219.5652% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0567% | 4,274 |
| Loan loss allowance to noncurrent loans | 615.4639% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.1132% | 5,134 |
| Noncurrent loans to loans | 0.1717% | 4,802 |
| Net loans and leases to total assets | 65.2367% | 3,089 |
| Net loans and leases to deposits | 74.1330% | 3,480 |
| Net loans and leases to core deposits | 76.8153% | 3,682 |
| Total domestic deposits to total assets | 87.9995% | 1,632 |
| Equity capital to assets | 8.1773% | 5,772 |
| Core capital (leverage) ratio | 8.0456% | 5,811 |
| Tier 1 risk-based capital ratio | 11.5414% | 5,220 |
| Total risk-based capital ratio | 12.5341% | 5,278 |
| Memoranda: | ||
| Average total assets | $83,088,400 | 4,807 |
| Average earning assets | $77,767,600 | 4,770 |
| Average equity | $7,097,000 | 5,226 |
| Average total loans | $56,438,600 | 4,487 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8891% | 3,773 |
| Cost of funding earning assets | 0.5114% | 2,109 |
| Net interest margin | 3.3777% | 4,041 |
| Noninterest income to average assets | 0.4221% | 3,925 |
| Noninterest expense to average assets | 2.4389% | 4,391 |
| Loan and lease loss provision to assets | 0.8410% | 81 |
| Net operating income to assets | 0.2571% | 5,560 |
| Return on assets (ROA) | 0.2571% | 5,639 |
| Pretax return on assets | 0.3041% | 5,631 |
| Return on Equity (ROE) | 2.9776% | 5,400 |
| Retained earnings to average equity (ytd only) | -0.8053% | 5,736 |
| Net charge-offs to loans | 1.1626% | 142 |
| Credit loss provision to net charge-offs | 105.6911% | 2,178 |
| Earnings coverage of net charge-offs (x) | 1.4390% | 3,835 |
| Efficiency ratio | 68.0505% | 3,529 |
| Assets per employee ($millions) | 3.6372% | 4,545 |
| Cash dividends to net income (ytd only)* | 127.0484% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0846% | 4,314 |
| Loan loss allowance to noncurrent loans | 22.4361% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 3.2287% | 436 |
| Noncurrent loans to loans | 4.8343% | 222 |
| Net loans and leases to total assets | 66.0634% | 2,998 |
| Net loans and leases to deposits | 75.5516% | 3,359 |
| Net loans and leases to core deposits | 79.2196% | 3,488 |
| Total domestic deposits to total assets | 87.4414% | 1,828 |
| Equity capital to assets | 8.4991% | 5,712 |
| Core capital (leverage) ratio | 8.4640% | 5,580 |
| Tier 1 risk-based capital ratio | 11.9680% | 5,102 |
| Total risk-based capital ratio | 13.0029% | 5,156 |
| Memoranda: | ||
| Average total assets | $82,438,500 | 4,878 |
| Average earning assets | $77,170,500 | 4,840 |
| Average equity | $7,119,500 | 5,289 |
| Average total loans | $56,424,000 | 4,532 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0094% | 3,251 |
| Cost of funding earning assets | 0.4976% | 2,276 |
| Net interest margin | 3.5118% | 3,455 |
| Noninterest income to average assets | 0.4023% | 4,069 |
| Noninterest expense to average assets | 2.4332% | 4,457 |
| Loan and lease loss provision to assets | 0.7875% | 101 |
| Net operating income to assets | 0.3121% | 5,405 |
| Return on assets (ROA) | 0.3121% | 5,498 |
| Pretax return on assets | 0.4510% | 5,352 |
| Return on Equity (ROE) | 3.5942% | 5,179 |
| Retained earnings to average equity (ytd only) | -2.0779% | 5,837 |
| Net charge-offs to loans | 1.0988% | 177 |
| Credit loss provision to net charge-offs | 103.8585% | 1,999 |
| Earnings coverage of net charge-offs (x) | 1.6334% | 3,479 |
| Efficiency ratio | 66.2683% | 3,961 |
| Assets per employee ($millions) | 3.6529% | 4,530 |
| Cash dividends to net income (ytd only)* | 157.8125% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 4,301 |
| Loan loss allowance to noncurrent loans | 36.0146% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 2.0420% | 1,068 |
| Noncurrent loans to loans | 3.0647% | 641 |
| Net loans and leases to total assets | 65.8935% | 2,968 |
| Net loans and leases to deposits | 72.5199% | 3,675 |
| Net loans and leases to core deposits | 75.6086% | 3,807 |
| Total domestic deposits to total assets | 90.8627% | 337 |
| Equity capital to assets | 8.7938% | 5,440 |
| Core capital (leverage) ratio | 8.4765% | 5,552 |
| Tier 1 risk-based capital ratio | 12.2031% | 5,000 |
| Total risk-based capital ratio | 13.2368% | 5,061 |
| Memoranda: | ||
| Average total assets | $82,032,670 | 4,935 |
| Average earning assets | $76,370,670 | 4,912 |
| Average equity | $7,122,670 | 5,337 |
| Average total loans | $56,608,000 | 4,556 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0582% | 3,003 |
| Cost of funding earning assets | 0.4962% | 2,321 |
| Net interest margin | 3.5621% | 3,166 |
| Noninterest income to average assets | 0.3862% | 4,114 |
| Noninterest expense to average assets | 2.3556% | 4,723 |
| Loan and lease loss provision to assets | 0.0241% | 3,387 |
| Net operating income to assets | 0.8495% | 3,012 |
| Return on assets (ROA) | 0.8495% | 3,130 |
| Pretax return on assets | 1.2985% | 2,295 |
| Return on Equity (ROE) | 9.8455% | 2,073 |
| Retained earnings to average equity (ytd only) | 4.1955% | 3,488 |
| Net charge-offs to loans | 0.0275% | 2,626 |
| Credit loss provision to net charge-offs | 125.0000% | 1,404 |
| Earnings coverage of net charge-offs (x) | 68.5000% | 656 |
| Efficiency ratio | 64.0420% | 4,473 |
| Assets per employee ($millions) | 3.9931% | 3,974 |
| Cash dividends to net income (ytd only)* | 57.3864% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 4,865 |
| Loan loss allowance to noncurrent loans | 33.6042% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 2.0547% | 1,145 |
| Noncurrent loans to loans | 3.0663% | 688 |
| Net loans and leases to total assets | 66.3185% | 2,719 |
| Net loans and leases to deposits | 72.8020% | 3,459 |
| Net loans and leases to core deposits | 75.7543% | 3,620 |
| Total domestic deposits to total assets | 91.0943% | 338 |
| Equity capital to assets | 8.5778% | 5,681 |
| Core capital (leverage) ratio | 8.4608% | 5,563 |
| Tier 1 risk-based capital ratio | 12.0065% | 5,228 |
| Total risk-based capital ratio | 12.9822% | 5,322 |
| Memoranda: | ||
| Average total assets | $82,867,500 | 4,964 |
| Average earning assets | $76,585,000 | 4,949 |
| Average equity | $7,150,500 | 5,374 |
| Average total loans | $58,139,500 | 4,539 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4452% | 2,087 |
| Cost of funding earning assets | 0.4474% | 3,194 |
| Net interest margin | 3.9978% | 1,903 |
| Noninterest income to average assets | 0.4539% | 3,805 |
| Noninterest expense to average assets | 2.4459% | 4,715 |
| Loan and lease loss provision to assets | 0.0480% | 3,610 |
| Net operating income to assets | 1.0491% | 2,167 |
| Return on assets (ROA) | 1.0506% | 2,229 |
| Pretax return on assets | 1.6642% | 1,060 |
| Return on Equity (ROE) | 12.8186% | 1,180 |
| Retained earnings to average equity (ytd only) | 7.1931% | 1,320 |
| Net charge-offs to loans | -0.0033% | 5,421 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8558% | 5,362 |
| Assets per employee ($millions) | 3.7218% | 4,485 |
| Cash dividends to net income (ytd only)* | 43.8857% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9619% | 5,230 |
| Loan loss allowance to noncurrent loans | 55.4702% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 1.2726% | 2,217 |
| Noncurrent loans to loans | 1.7341% | 1,673 |
| Net loans and leases to total assets | 72.6804% | 1,805 |
| Net loans and leases to deposits | 79.8953% | 2,731 |
| Net loans and leases to core deposits | 82.0692% | 3,101 |
| Total domestic deposits to total assets | 90.9696% | 377 |
| Equity capital to assets | 8.6811% | 5,590 |
| Core capital (leverage) ratio | 8.6273% | 5,412 |
| Tier 1 risk-based capital ratio | 11.3276% | 5,751 |
| Total risk-based capital ratio | 12.2562% | 5,843 |
| Memoranda: | ||
| Average total assets | $83,282,400 | 4,978 |
| Average earning assets | $77,117,600 | 4,951 |
| Average equity | $6,826,000 | 5,455 |
| Average total loans | $60,624,400 | 4,470 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4232% | 2,149 |
| Cost of funding earning assets | 0.4354% | 3,411 |
| Net interest margin | 3.9878% | 1,918 |
| Noninterest income to average assets | 0.4161% | 4,129 |
| Noninterest expense to average assets | 2.4328% | 4,725 |
| Loan and lease loss provision to assets | 0.0638% | 3,072 |
| Net operating income to assets | 1.0161% | 2,381 |
| Return on assets (ROA) | 1.0171% | 2,434 |
| Pretax return on assets | 1.6150% | 1,280 |
| Return on Equity (ROE) | 12.5920% | 1,324 |
| Retained earnings to average equity (ytd only) | 7.0064% | 1,820 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1932% | 5,286 |
| Assets per employee ($millions) | 3.5823% | 4,713 |
| Cash dividends to net income (ytd only)* | 44.3567% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9201% | 5,535 |
| Loan loss allowance to noncurrent loans | 55.4913% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 1.2598% | 2,447 |
| Noncurrent loans to loans | 1.6581% | 1,966 |
| Net loans and leases to total assets | 75.2804% | 1,322 |
| Net loans and leases to deposits | 88.3711% | 1,623 |
| Net loans and leases to core deposits | 90.9257% | 2,129 |
| Total domestic deposits to total assets | 85.1867% | 3,264 |
| Equity capital to assets | 8.4316% | 5,849 |
| Core capital (leverage) ratio | 8.4217% | 5,734 |
| Tier 1 risk-based capital ratio | 10.7411% | 6,116 |
| Total risk-based capital ratio | 11.6358% | 6,202 |
| Memoranda: | ||
| Average total assets | $83,633,250 | 5,024 |
| Average earning assets | $77,467,750 | 4,990 |
| Average equity | $6,755,500 | 5,520 |
| Average total loans | $60,758,500 | 4,509 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3241% | 2,504 |
| Cost of funding earning assets | 0.4353% | 3,492 |
| Net interest margin | 3.8889% | 2,216 |
| Noninterest income to average assets | 0.4093% | 4,176 |
| Noninterest expense to average assets | 2.4344% | 4,785 |
| Loan and lease loss provision to assets | 0.0595% | 3,081 |
| Net operating income to assets | 0.9400% | 2,597 |
| Return on assets (ROA) | 0.9400% | 2,705 |
| Pretax return on assets | 1.4873% | 1,574 |
| Return on Equity (ROE) | 11.8057% | 1,478 |
| Retained earnings to average equity (ytd only) | 6.3661% | 2,110 |
| Net charge-offs to loans | 0.0067% | 4,151 |
| Credit loss provision to net charge-offs | 1,250.0000% | 278 |
| Earnings coverage of net charge-offs (x) | 325.0000% | 216 |
| Efficiency ratio | 61.1476% | 5,125 |
| Assets per employee ($millions) | 3.4646% | 4,915 |
| Cash dividends to net income (ytd only)* | 46.0759% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9201% | 5,668 |
| Loan loss allowance to noncurrent loans | 184.8185% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 4,932 |
| Noncurrent loans to loans | 0.4978% | 4,502 |
| Net loans and leases to total assets | 72.5247% | 1,647 |
| Net loans and leases to deposits | 80.9583% | 2,390 |
| Net loans and leases to core deposits | 83.1587% | 2,831 |
| Total domestic deposits to total assets | 89.5828% | 1,028 |
| Equity capital to assets | 8.1863% | 6,038 |
| Core capital (leverage) ratio | 8.1512% | 5,979 |
| Tier 1 risk-based capital ratio | 10.7826% | 6,139 |
| Total risk-based capital ratio | 11.6741% | 6,227 |
| Memoranda: | ||
| Average total assets | $84,047,000 | 5,063 |
| Average earning assets | $77,195,000 | 5,039 |
| Average equity | $6,691,670 | 5,560 |
| Average total loans | $60,144,330 | 4,544 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3521% | 2,320 |
| Cost of funding earning assets | 0.4389% | 3,545 |
| Net interest margin | 3.9132% | 2,046 |
| Noninterest income to average assets | 0.4261% | 3,978 |
| Noninterest expense to average assets | 2.4854% | 4,669 |
| Loan and lease loss provision to assets | 0.0710% | 2,717 |
| Net operating income to assets | 0.8900% | 2,701 |
| Return on assets (ROA) | 0.8900% | 2,766 |
| Pretax return on assets | 1.4155% | 1,697 |
| Return on Equity (ROE) | 11.3355% | 1,589 |
| Retained earnings to average equity (ytd only) | 5.2457% | 2,966 |
| Net charge-offs to loans | -0.0134% | 5,160 |
| Credit loss provision to net charge-offs | -750.0000% | 5,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5745% | 5,054 |
| Assets per employee ($millions) | 3.9159% | 4,114 |
| Cash dividends to net income (ytd only)* | 53.7234% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9574% | 5,675 |
| Loan loss allowance to noncurrent loans | 865.6250% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.3389% | 5,129 |
| Noncurrent loans to loans | 0.1106% | 5,795 |
| Net loans and leases to total assets | 66.5254% | 2,480 |
| Net loans and leases to deposits | 72.3542% | 3,291 |
| Net loans and leases to core deposits | 74.2044% | 3,623 |
| Total domestic deposits to total assets | 91.9442% | 254 |
| Equity capital to assets | 7.7505% | 6,205 |
| Core capital (leverage) ratio | 7.8714% | 6,195 |
| Tier 1 risk-based capital ratio | 10.7621% | 6,253 |
| Total risk-based capital ratio | 11.6591% | 6,320 |
| Memoranda: | ||
| Average total assets | $84,495,000 | 5,102 |
| Average earning assets | $76,561,500 | 5,101 |
| Average equity | $6,634,000 | 5,609 |
| Average total loans | $59,784,000 | 4,598 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3627% | 2,721 |
| Cost of funding earning assets | 0.4825% | 3,790 |
| Net interest margin | 3.8802% | 2,369 |
| Noninterest income to average assets | 0.4779% | 3,905 |
| Noninterest expense to average assets | 2.5548% | 4,599 |
| Loan and lease loss provision to assets | 0.0674% | 3,785 |
| Net operating income to assets | 0.9145% | 2,708 |
| Return on assets (ROA) | 0.9153% | 2,793 |
| Pretax return on assets | 1.4434% | 1,641 |
| Return on Equity (ROE) | 11.6803% | 1,528 |
| Retained earnings to average equity (ytd only) | 6.3796% | 1,754 |
| Net charge-offs to loans | 0.0512% | 4,502 |
| Credit loss provision to net charge-offs | 189.6552% | 1,205 |
| Earnings coverage of net charge-offs (x) | 42.4828% | 896 |
| Efficiency ratio | 62.8580% | 5,077 |
| Assets per employee ($millions) | 3.6018% | 4,677 |
| Cash dividends to net income (ytd only)* | 45.3815% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8687% | 6,013 |
| Loan loss allowance to noncurrent loans | 776.8116% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.3585% | 5,179 |
| Noncurrent loans to loans | 0.1118% | 5,867 |
| Net loans and leases to total assets | 73.8366% | 1,373 |
| Net loans and leases to deposits | 85.2502% | 1,780 |
| Net loans and leases to core deposits | 87.6619% | 2,275 |
| Total domestic deposits to total assets | 86.6117% | 2,932 |
| Equity capital to assets | 7.9562% | 6,053 |
| Core capital (leverage) ratio | 8.0629% | 6,085 |
| Tier 1 risk-based capital ratio | 10.1931% | 6,458 |
| Total risk-based capital ratio | 11.0258% | 6,530 |
| Memoranda: | ||
| Average total assets | $81,611,200 | 5,209 |
| Average earning assets | $75,434,600 | 5,167 |
| Average equity | $6,395,400 | 5,717 |
| Average total loans | $56,694,800 | 4,722 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2768% | 3,087 |
| Cost of funding earning assets | 0.4907% | 3,858 |
| Net interest margin | 3.7861% | 2,695 |
| Noninterest income to average assets | 0.4542% | 4,126 |
| Noninterest expense to average assets | 2.4992% | 4,724 |
| Loan and lease loss provision to assets | 0.0656% | 3,748 |
| Net operating income to assets | 0.8763% | 2,959 |
| Return on assets (ROA) | 0.8774% | 3,066 |
| Pretax return on assets | 1.3956% | 1,945 |
| Return on Equity (ROE) | 11.2396% | 1,740 |
| Retained earnings to average equity (ytd only) | 6.3446% | 2,215 |
| Net charge-offs to loans | 0.0168% | 4,790 |
| Credit loss provision to net charge-offs | 571.4286% | 490 |
| Earnings coverage of net charge-offs (x) | 127.1854% | 416 |
| Efficiency ratio | 63.1317% | 4,960 |
| Assets per employee ($millions) | 3.5306% | 4,792 |
| Cash dividends to net income (ytd only)* | 43.5513% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9082% | 6,038 |
| Loan loss allowance to noncurrent loans | 548.4848% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.4076% | 5,198 |
| Noncurrent loans to loans | 0.1656% | 5,824 |
| Net loans and leases to total assets | 72.9570% | 1,460 |
| Net loans and leases to deposits | 82.1464% | 2,120 |
| Net loans and leases to core deposits | 84.4557% | 2,603 |
| Total domestic deposits to total assets | 88.8134% | 1,662 |
| Equity capital to assets | 8.0008% | 6,156 |
| Core capital (leverage) ratio | 7.7602% | 6,350 |
| Tier 1 risk-based capital ratio | 10.2641% | 6,519 |
| Total risk-based capital ratio | 11.1275% | 6,588 |
| Memoranda: | ||
| Average total assets | $81,303,750 | 5,252 |
| Average earning assets | $75,256,750 | 5,217 |
| Average equity | $6,346,500 | 5,798 |
| Average total loans | $55,442,750 | 4,810 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1396% | 3,585 |
| Cost of funding earning assets | 0.4931% | 3,960 |
| Net interest margin | 3.6465% | 3,192 |
| Noninterest income to average assets | 0.4549% | 4,129 |
| Noninterest expense to average assets | 2.4687% | 4,842 |
| Loan and lease loss provision to assets | 0.0615% | 3,780 |
| Net operating income to assets | 0.8164% | 3,213 |
| Return on assets (ROA) | 0.8164% | 3,369 |
| Pretax return on assets | 1.2885% | 2,347 |
| Return on Equity (ROE) | 10.5458% | 2,000 |
| Retained earnings to average equity (ytd only) | 6.3847% | 2,211 |
| Net charge-offs to loans | -0.0259% | 6,055 |
| Credit loss provision to net charge-offs | -357.1429% | 5,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6491% | 4,767 |
| Assets per employee ($millions) | 3.3172% | 5,237 |
| Cash dividends to net income (ytd only)* | 39.4578% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 5,958 |
| Loan loss allowance to noncurrent loans | 197.4545% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.3316% | 5,484 |
| Noncurrent loans to loans | 0.4858% | 5,048 |
| Net loans and leases to total assets | 67.6012% | 2,324 |
| Net loans and leases to deposits | 74.0265% | 3,147 |
| Net loans and leases to core deposits | 76.0046% | 3,543 |
| Total domestic deposits to total assets | 91.3203% | 436 |
| Equity capital to assets | 7.7283% | 6,351 |
| Core capital (leverage) ratio | 7.6760% | 6,381 |
| Tier 1 risk-based capital ratio | 10.9363% | 6,364 |
| Total risk-based capital ratio | 11.8709% | 6,443 |
| Memoranda: | ||
| Average total assets | $81,337,000 | 5,289 |
| Average earning assets | $75,031,330 | 5,248 |
| Average equity | $6,296,330 | 5,858 |
| Average total loans | $53,994,670 | 4,882 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1581% | 3,479 |
| Cost of funding earning assets | 0.5129% | 3,944 |
| Net interest margin | 3.6451% | 3,089 |
| Noninterest income to average assets | 0.4569% | 4,073 |
| Noninterest expense to average assets | 2.5279% | 4,664 |
| Loan and lease loss provision to assets | 0.0497% | 3,795 |
| Net operating income to assets | 0.7549% | 3,408 |
| Return on assets (ROA) | 0.7549% | 3,549 |
| Pretax return on assets | 1.1969% | 2,586 |
| Return on Equity (ROE) | 9.7436% | 2,162 |
| Retained earnings to average equity (ytd only) | 4.5513% | 3,502 |
| Net charge-offs to loans | -0.0531% | 6,160 |
| Credit loss provision to net charge-offs | -142.8571% | 5,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9737% | 4,493 |
| Assets per employee ($millions) | 3.5914% | 4,800 |
| Cash dividends to net income (ytd only)* | 53.2895% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0268% | 5,892 |
| Loan loss allowance to noncurrent loans | 50.7692% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 1.2590% | 3,466 |
| Noncurrent loans to loans | 2.0224% | 2,595 |
| Net loans and leases to total assets | 61.6140% | 3,142 |
| Net loans and leases to deposits | 66.9020% | 3,927 |
| Net loans and leases to core deposits | 67.9942% | 4,305 |
| Total domestic deposits to total assets | 92.0959% | 232 |
| Equity capital to assets | 7.6038% | 6,560 |
| Core capital (leverage) ratio | 7.6323% | 6,401 |
| Tier 1 risk-based capital ratio | 11.6133% | 6,126 |
| Total risk-based capital ratio | 12.5987% | 6,235 |
| Memoranda: | ||
| Average total assets | $80,541,000 | 5,346 |
| Average earning assets | $73,303,500 | 5,339 |
| Average equity | $6,240,000 | 5,924 |
| Average total loans | $52,690,000 | 4,959 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6162% | 2,934 |
| Cost of funding earning assets | 0.6392% | 4,012 |
| Net interest margin | 3.9770% | 2,483 |
| Noninterest income to average assets | 0.4823% | 4,025 |
| Noninterest expense to average assets | 2.7004% | 4,398 |
| Loan and lease loss provision to assets | 0.0657% | 4,936 |
| Net operating income to assets | 0.8686% | 2,963 |
| Return on assets (ROA) | 0.8686% | 3,207 |
| Pretax return on assets | 1.3706% | 2,140 |
| Return on Equity (ROE) | 10.9855% | 1,810 |
| Retained earnings to average equity (ytd only) | 6.5315% | 1,801 |
| Net charge-offs to loans | 0.0449% | 5,281 |
| Credit loss provision to net charge-offs | 217.3913% | 1,162 |
| Earnings coverage of net charge-offs (x) | 47.5217% | 697 |
| Efficiency ratio | 65.2795% | 4,649 |
| Assets per employee ($millions) | 3.1392% | 5,766 |
| Cash dividends to net income (ytd only)* | 40.5446% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9471% | 6,134 |
| Loan loss allowance to noncurrent loans | 32.0577% | 5,981 |
| Noncurrent assets plus other real estate owned to assets | 2.0324% | 2,412 |
| Noncurrent loans to loans | 2.9542% | 1,768 |
| Net loans and leases to total assets | 68.1023% | 2,163 |
| Net loans and leases to deposits | 74.1708% | 3,066 |
| Net loans and leases to core deposits | 75.4493% | 3,606 |
| Total domestic deposits to total assets | 91.8182% | 278 |
| Equity capital to assets | 7.8989% | 6,460 |
| Core capital (leverage) ratio | 7.9294% | 6,259 |
| Tier 1 risk-based capital ratio | 10.9595% | 6,365 |
| Total risk-based capital ratio | 11.8697% | 6,471 |
| Memoranda: | ||
| Average total assets | $76,099,000 | 5,455 |
| Average earning assets | $69,927,600 | 5,433 |
| Average equity | $6,017,000 | 6,021 |
| Average total loans | $51,246,400 | 5,058 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5832% | 3,275 |
| Cost of funding earning assets | 0.6528% | 4,171 |
| Net interest margin | 3.9304% | 2,801 |
| Noninterest income to average assets | 0.4803% | 4,065 |
| Noninterest expense to average assets | 2.6541% | 4,541 |
| Loan and lease loss provision to assets | 0.0795% | 4,640 |
| Net operating income to assets | 0.8706% | 3,127 |
| Return on assets (ROA) | 0.8706% | 3,372 |
| Pretax return on assets | 1.3827% | 2,292 |
| Return on Equity (ROE) | 11.0076% | 1,957 |
| Retained earnings to average equity (ytd only) | 6.1402% | 2,609 |
| Net charge-offs to loans | 0.0475% | 4,989 |
| Credit loss provision to net charge-offs | 250.0000% | 1,095 |
| Earnings coverage of net charge-offs (x) | 45.9988% | 798 |
| Efficiency ratio | 64.4788% | 4,717 |
| Assets per employee ($millions) | 3.1689% | 5,694 |
| Cash dividends to net income (ytd only)* | 44.2189% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9901% | 6,122 |
| Loan loss allowance to noncurrent loans | 37.1366% | 5,792 |
| Noncurrent assets plus other real estate owned to assets | 2.1380% | 2,506 |
| Noncurrent loans to loans | 2.6661% | 2,124 |
| Net loans and leases to total assets | 67.1887% | 2,424 |
| Net loans and leases to deposits | 73.3170% | 3,393 |
| Net loans and leases to core deposits | 74.6232% | 3,898 |
| Total domestic deposits to total assets | 91.6414% | 261 |
| Equity capital to assets | 8.0168% | 6,583 |
| Core capital (leverage) ratio | 7.7774% | 6,478 |
| Tier 1 risk-based capital ratio | 11.2390% | 6,384 |
| Total risk-based capital ratio | 12.1906% | 6,483 |
| Memoranda: | ||
| Average total assets | $75,504,000 | 5,533 |
| Average earning assets | $69,846,750 | 5,491 |
| Average equity | $5,971,500 | 6,099 |
| Average total loans | $50,568,750 | 5,146 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5525% | 3,552 |
| Cost of funding earning assets | 0.6619% | 4,348 |
| Net interest margin | 3.8907% | 2,951 |
| Noninterest income to average assets | 0.4673% | 4,151 |
| Noninterest expense to average assets | 2.6606% | 4,568 |
| Loan and lease loss provision to assets | 0.0797% | 4,609 |
| Net operating income to assets | 0.8285% | 3,254 |
| Return on assets (ROA) | 0.8285% | 3,520 |
| Pretax return on assets | 1.3170% | 2,496 |
| Return on Equity (ROE) | 10.5234% | 2,160 |
| Retained earnings to average equity (ytd only) | 5.2617% | 3,119 |
| Net charge-offs to loans | 0.0518% | 4,682 |
| Credit loss provision to net charge-offs | 230.7692% | 1,236 |
| Earnings coverage of net charge-offs (x) | 40.4615% | 862 |
| Efficiency ratio | 65.5759% | 4,606 |
| Assets per employee ($millions) | 3.0862% | 5,879 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9948% | 6,182 |
| Loan loss allowance to noncurrent loans | 30.8688% | 6,113 |
| Noncurrent assets plus other real estate owned to assets | 2.4276% | 2,303 |
| Noncurrent loans to loans | 3.2226% | 1,807 |
| Net loans and leases to total assets | 64.6258% | 2,903 |
| Net loans and leases to deposits | 70.3421% | 3,843 |
| Net loans and leases to core deposits | 71.5740% | 4,344 |
| Total domestic deposits to total assets | 91.8735% | 244 |
| Equity capital to assets | 7.7882% | 6,680 |
| Core capital (leverage) ratio | 7.7638% | 6,473 |
| Tier 1 risk-based capital ratio | 11.2783% | 6,350 |
| Total risk-based capital ratio | 12.2335% | 6,488 |
| Memoranda: | ||
| Average total assets | $75,321,000 | 5,568 |
| Average earning assets | $69,499,670 | 5,539 |
| Average equity | $5,929,670 | 6,136 |
| Average total loans | $50,221,670 | 5,188 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6367% | 3,328 |
| Cost of funding earning assets | 0.6900% | 4,367 |
| Net interest margin | 3.9468% | 2,731 |
| Noninterest income to average assets | 0.5376% | 3,646 |
| Noninterest expense to average assets | 2.7257% | 4,329 |
| Loan and lease loss provision to assets | 0.0806% | 4,388 |
| Net operating income to assets | 0.8548% | 3,131 |
| Return on assets (ROA) | 0.8548% | 3,369 |
| Pretax return on assets | 1.3601% | 2,337 |
| Return on Equity (ROE) | 10.7980% | 2,104 |
| Retained earnings to average equity (ytd only) | 5.6367% | 3,175 |
| Net charge-offs to loans | 0.0718% | 3,779 |
| Credit loss provision to net charge-offs | 166.6667% | 1,525 |
| Earnings coverage of net charge-offs (x) | 29.7778% | 924 |
| Efficiency ratio | 65.4194% | 4,667 |
| Assets per employee ($millions) | 3.2208% | 5,723 |
| Cash dividends to net income (ytd only)* | 47.7987% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 6,257 |
| Loan loss allowance to noncurrent loans | 20.3404% | 6,550 |
| Noncurrent assets plus other real estate owned to assets | 3.5550% | 1,611 |
| Noncurrent loans to loans | 4.9053% | 1,156 |
| Net loans and leases to total assets | 62.8978% | 3,072 |
| Net loans and leases to deposits | 68.3845% | 3,997 |
| Net loans and leases to core deposits | 69.5774% | 4,485 |
| Total domestic deposits to total assets | 91.9767% | 264 |
| Equity capital to assets | 7.6753% | 6,705 |
| Core capital (leverage) ratio | 7.8445% | 6,379 |
| Tier 1 risk-based capital ratio | 11.3144% | 6,379 |
| Total risk-based capital ratio | 12.2633% | 6,514 |
| Memoranda: | ||
| Average total assets | $74,404,000 | 5,633 |
| Average earning assets | $68,410,000 | 5,616 |
| Average equity | $5,890,000 | 6,176 |
| Average total loans | $50,151,000 | 5,224 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7639% | 3,965 |
| Cost of funding earning assets | 0.9467% | 3,739 |
| Net interest margin | 3.8172% | 3,736 |
| Noninterest income to average assets | 0.4241% | 4,416 |
| Noninterest expense to average assets | 2.8501% | 4,165 |
| Loan and lease loss provision to assets | 0.0127% | 6,379 |
| Net operating income to assets | 0.7304% | 3,335 |
| Return on assets (ROA) | 0.7436% | 3,449 |
| Pretax return on assets | 1.1154% | 2,780 |
| Return on Equity (ROE) | 9.2540% | 2,342 |
| Retained earnings to average equity (ytd only) | 3.9057% | 3,434 |
| Net charge-offs to loans | 0.0877% | 5,455 |
| Credit loss provision to net charge-offs | 21.4286% | 5,898 |
| Earnings coverage of net charge-offs (x) | 18.6667% | 1,207 |
| Efficiency ratio | 72.0000% | 3,577 |
| Assets per employee ($millions) | 3.2504% | 5,616 |
| Cash dividends to net income (ytd only)* | 57.7947% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9455% | 6,414 |
| Loan loss allowance to noncurrent loans | 20.3618% | 6,607 |
| Noncurrent assets plus other real estate owned to assets | 3.7982% | 1,522 |
| Noncurrent loans to loans | 4.6433% | 1,273 |
| Net loans and leases to total assets | 70.9123% | 1,842 |
| Net loans and leases to deposits | 77.4842% | 2,923 |
| Net loans and leases to core deposits | 78.9537% | 3,576 |
| Total domestic deposits to total assets | 91.5184% | 330 |
| Equity capital to assets | 8.1767% | 6,456 |
| Core capital (leverage) ratio | 8.2005% | 5,995 |
| Tier 1 risk-based capital ratio | 10.8122% | 6,550 |
| Total risk-based capital ratio | 11.7208% | 6,678 |
| Memoranda: | ||
| Average total assets | $70,735,200 | 5,721 |
| Average earning assets | $65,492,400 | 5,683 |
| Average equity | $5,684,000 | 6,238 |
| Average total loans | $47,888,200 | 5,352 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7177% | 4,367 |
| Cost of funding earning assets | 1.0010% | 3,669 |
| Net interest margin | 3.7166% | 4,262 |
| Noninterest income to average assets | 0.4801% | 4,039 |
| Noninterest expense to average assets | 2.8446% | 4,171 |
| Loan and lease loss provision to assets | 0.0170% | 6,225 |
| Net operating income to assets | 0.7099% | 3,561 |
| Return on assets (ROA) | 0.7277% | 3,653 |
| Pretax return on assets | 1.0906% | 3,053 |
| Return on Equity (ROE) | 9.0962% | 2,554 |
| Retained earnings to average equity (ytd only) | 3.8274% | 4,000 |
| Net charge-offs to loans | 0.1133% | 4,881 |
| Credit loss provision to net charge-offs | 22.5000% | 5,525 |
| Earnings coverage of net charge-offs (x) | 14.3006% | 1,542 |
| Efficiency ratio | 72.4603% | 3,462 |
| Assets per employee ($millions) | 3.0367% | 6,037 |
| Cash dividends to net income (ytd only)* | 57.9229% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0094% | 6,221 |
| Loan loss allowance to noncurrent loans | 20.2838% | 6,671 |
| Noncurrent assets plus other real estate owned to assets | 3.9760% | 1,538 |
| Noncurrent loans to loans | 4.9765% | 1,252 |
| Net loans and leases to total assets | 68.2378% | 2,435 |
| Net loans and leases to deposits | 74.6495% | 3,565 |
| Net loans and leases to core deposits | 76.8734% | 4,072 |
| Total domestic deposits to total assets | 91.4109% | 316 |
| Equity capital to assets | 8.2727% | 6,509 |
| Core capital (leverage) ratio | 8.1013% | 6,278 |
| Tier 1 risk-based capital ratio | 11.5149% | 6,236 |
| Total risk-based capital ratio | 12.4967% | 6,383 |
| Memoranda: | ||
| Average total assets | $70,542,000 | 5,769 |
| Average earning assets | $65,398,000 | 5,733 |
| Average equity | $5,643,250 | 6,293 |
| Average total loans | $47,062,250 | 5,420 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6602% | 4,705 |
| Cost of funding earning assets | 1.0604% | 3,539 |
| Net interest margin | 3.5998% | 4,715 |
| Noninterest income to average assets | 0.4776% | 4,044 |
| Noninterest expense to average assets | 2.8089% | 4,395 |
| Loan and lease loss provision to assets | 0.0170% | 6,071 |
| Net operating income to assets | 0.6546% | 3,775 |
| Return on assets (ROA) | 0.6697% | 3,810 |
| Pretax return on assets | 1.0032% | 3,224 |
| Return on Equity (ROE) | 8.4668% | 2,728 |
| Retained earnings to average equity (ytd only) | 3.0366% | 4,346 |
| Net charge-offs to loans | 0.0214% | 5,542 |
| Credit loss provision to net charge-offs | 120.0000% | 2,541 |
| Earnings coverage of net charge-offs (x) | 70.6000% | 476 |
| Efficiency ratio | 73.7936% | 3,394 |
| Assets per employee ($millions) | 3.0820% | 5,916 |
| Cash dividends to net income (ytd only)* | 64.1350% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1283% | 5,836 |
| Loan loss allowance to noncurrent loans | 20.6539% | 6,704 |
| Noncurrent assets plus other real estate owned to assets | 4.0008% | 1,602 |
| Noncurrent loans to loans | 5.4631% | 1,161 |
| Net loans and leases to total assets | 64.0324% | 3,452 |
| Net loans and leases to deposits | 69.8856% | 4,457 |
| Net loans and leases to core deposits | 72.5845% | 4,749 |
| Total domestic deposits to total assets | 91.6246% | 317 |
| Equity capital to assets | 8.0354% | 6,656 |
| Core capital (leverage) ratio | 7.6779% | 6,608 |
| Tier 1 risk-based capital ratio | 11.9286% | 5,844 |
| Total risk-based capital ratio | 13.0274% | 5,945 |
| Memoranda: | ||
| Average total assets | $70,774,670 | 5,804 |
| Average earning assets | $65,448,000 | 5,774 |
| Average equity | $5,598,330 | 6,343 |
| Average total loans | $46,701,000 | 5,486 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7532% | 4,286 |
| Cost of funding earning assets | 1.1220% | 3,357 |
| Net interest margin | 3.6312% | 4,423 |
| Noninterest income to average assets | 0.5260% | 3,682 |
| Noninterest expense to average assets | 2.7998% | 4,445 |
| Loan and lease loss provision to assets | 0.0339% | 5,551 |
| Net operating income to assets | 0.6787% | 3,617 |
| Return on assets (ROA) | 0.6787% | 3,683 |
| Pretax return on assets | 1.0238% | 3,046 |
| Return on Equity (ROE) | 8.6494% | 2,630 |
| Retained earnings to average equity (ytd only) | 1.3695% | 5,280 |
| Net charge-offs to loans | 0.0255% | 4,731 |
| Credit loss provision to net charge-offs | 200.0000% | 1,479 |
| Earnings coverage of net charge-offs (x) | 62.3333% | 475 |
| Efficiency ratio | 72.5806% | 3,754 |
| Assets per employee ($millions) | 3.2163% | 5,675 |
| Cash dividends to net income (ytd only)* | 84.1667% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 5,850 |
| Loan loss allowance to noncurrent loans | 20.7683% | 6,745 |
| Noncurrent assets plus other real estate owned to assets | 3.9526% | 1,689 |
| Noncurrent loans to loans | 5.5351% | 1,178 |
| Net loans and leases to total assets | 60.3290% | 4,202 |
| Net loans and leases to deposits | 65.4116% | 5,062 |
| Net loans and leases to core deposits | 68.5135% | 5,227 |
| Total domestic deposits to total assets | 92.2299% | 234 |
| Equity capital to assets | 7.5146% | 6,860 |
| Core capital (leverage) ratio | 7.6269% | 6,627 |
| Tier 1 risk-based capital ratio | 11.6421% | 5,988 |
| Total risk-based capital ratio | 12.7294% | 6,101 |
| Memoranda: | ||
| Average total assets | $70,719,000 | 5,856 |
| Average earning assets | $64,883,000 | 5,828 |
| Average equity | $5,549,500 | 6,379 |
| Average total loans | $47,097,500 | 5,514 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6129% | 1,848 |
| Cost of funding earning assets | 1.4475% | 2,972 |
| Net interest margin | 4.1653% | 2,308 |
| Noninterest income to average assets | 0.5458% | 3,850 |
| Noninterest expense to average assets | 2.7859% | 4,658 |
| Loan and lease loss provision to assets | 0.2692% | 4,654 |
| Net operating income to assets | 0.8015% | 2,795 |
| Return on assets (ROA) | 0.8015% | 2,927 |
| Pretax return on assets | 1.2860% | 1,964 |
| Return on Equity (ROE) | 9.8704% | 1,977 |
| Retained earnings to average equity (ytd only) | -15.1186% | 6,884 |
| Net charge-offs to loans | 0.1410% | 5,513 |
| Credit loss provision to net charge-offs | 264.7059% | 1,060 |
| Earnings coverage of net charge-offs (x) | 15.2941% | 1,287 |
| Efficiency ratio | 64.1750% | 5,319 |
| Assets per employee ($millions) | 2.9331% | 6,242 |
| Cash dividends to net income (ytd only)* | 253.1716% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 6,129 |
| Loan loss allowance to noncurrent loans | 29.2586% | 6,336 |
| Noncurrent assets plus other real estate owned to assets | 3.2359% | 2,186 |
| Noncurrent loans to loans | 3.6027% | 2,079 |
| Net loans and leases to total assets | 71.9368% | 2,112 |
| Net loans and leases to deposits | 78.6102% | 3,411 |
| Net loans and leases to core deposits | 83.4695% | 3,671 |
| Total domestic deposits to total assets | 91.5108% | 397 |
| Equity capital to assets | 8.2120% | 6,246 |
| Core capital (leverage) ratio | 7.9977% | 6,207 |
| Tier 1 risk-based capital ratio | 10.9382% | 6,374 |
| Total risk-based capital ratio | 11.9593% | 6,529 |
| Memoranda: | ||
| Average total assets | $66,872,200 | 5,965 |
| Average earning assets | $60,931,400 | 5,961 |
| Average equity | $5,430,400 | 6,530 |
| Average total loans | $48,224,400 | 5,554 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6528% | 1,874 |
| Cost of funding earning assets | 1.5083% | 2,927 |
| Net interest margin | 4.1445% | 2,431 |
| Noninterest income to average assets | 0.5275% | 3,962 |
| Noninterest expense to average assets | 2.6956% | 4,897 |
| Loan and lease loss provision to assets | 0.3477% | 3,829 |
| Net operating income to assets | 0.7593% | 3,183 |
| Return on assets (ROA) | 0.7593% | 3,339 |
| Pretax return on assets | 1.2509% | 2,327 |
| Return on Equity (ROE) | 9.3772% | 2,360 |
| Retained earnings to average equity (ytd only) | -22.8756% | 7,265 |
| Net charge-offs to loans | 0.1888% | 4,821 |
| Credit loss provision to net charge-offs | 255.8824% | 1,299 |
| Earnings coverage of net charge-offs (x) | 11.7653% | 1,755 |
| Efficiency ratio | 62.7734% | 5,473 |
| Assets per employee ($millions) | 3.0236% | 6,102 |
| Cash dividends to net income (ytd only)* | 343.9495% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0528% | 6,151 |
| Loan loss allowance to noncurrent loans | 27.2533% | 6,498 |
| Noncurrent assets plus other real estate owned to assets | 3.0442% | 2,382 |
| Noncurrent loans to loans | 3.8630% | 1,973 |
| Net loans and leases to total assets | 69.0609% | 2,967 |
| Net loans and leases to deposits | 75.1490% | 4,327 |
| Net loans and leases to core deposits | 81.1692% | 4,361 |
| Total domestic deposits to total assets | 91.8985% | 206 |
| Equity capital to assets | 7.8196% | 6,919 |
| Core capital (leverage) ratio | 8.0376% | 6,292 |
| Tier 1 risk-based capital ratio | 10.9052% | 6,458 |
| Total risk-based capital ratio | 11.9311% | 6,634 |
| Memoranda: | ||
| Average total assets | $66,724,750 | 6,037 |
| Average earning assets | $60,641,250 | 6,042 |
| Average equity | $5,403,000 | 6,622 |
| Average total loans | $48,018,750 | 5,646 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7552% | 1,542 |
| Cost of funding earning assets | 1.5449% | 2,986 |
| Net interest margin | 4.2103% | 2,122 |
| Noninterest income to average assets | 0.5564% | 3,655 |
| Noninterest expense to average assets | 2.6723% | 5,027 |
| Loan and lease loss provision to assets | 0.1611% | 5,280 |
| Net operating income to assets | 1.0519% | 2,009 |
| Return on assets (ROA) | 1.0519% | 2,082 |
| Pretax return on assets | 1.5839% | 1,345 |
| Return on Equity (ROE) | 12.8354% | 1,278 |
| Retained earnings to average equity (ytd only) | -30.5676% | 7,426 |
| Net charge-offs to loans | 0.2174% | 4,300 |
| Credit loss provision to net charge-offs | 101.9231% | 4,001 |
| Earnings coverage of net charge-offs (x) | 11.0385% | 1,809 |
| Efficiency ratio | 60.4955% | 5,961 |
| Assets per employee ($millions) | 3.0234% | 6,094 |
| Cash dividends to net income (ytd only)* | 338.1503% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8532% | 6,893 |
| Loan loss allowance to noncurrent loans | 19.4631% | 6,970 |
| Noncurrent assets plus other real estate owned to assets | 3.5000% | 2,004 |
| Noncurrent loans to loans | 4.3838% | 1,677 |
| Net loans and leases to total assets | 70.9294% | 2,681 |
| Net loans and leases to deposits | 77.0819% | 4,147 |
| Net loans and leases to core deposits | 81.6949% | 4,460 |
| Total domestic deposits to total assets | 92.0182% | 217 |
| Equity capital to assets | 7.6540% | 7,021 |
| Core capital (leverage) ratio | 7.7091% | 6,598 |
| Tier 1 risk-based capital ratio | 10.5140% | 6,676 |
| Total risk-based capital ratio | 11.3535% | 6,942 |
| Memoranda: | ||
| Average total assets | $65,785,330 | 6,114 |
| Average earning assets | $60,328,330 | 6,090 |
| Average equity | $5,391,330 | 6,650 |
| Average total loans | $47,845,670 | 5,693 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7864% | 1,504 |
| Cost of funding earning assets | 1.5781% | 3,087 |
| Net interest margin | 4.2083% | 2,008 |
| Noninterest income to average assets | 0.6481% | 2,943 |
| Noninterest expense to average assets | 2.6108% | 5,311 |
| Loan and lease loss provision to assets | 0.1651% | 4,878 |
| Net operating income to assets | 1.1311% | 1,739 |
| Return on assets (ROA) | 1.1311% | 1,810 |
| Pretax return on assets | 1.7364% | 992 |
| Return on Equity (ROE) | 13.3538% | 1,182 |
| Retained earnings to average equity (ytd only) | -55.0032% | 7,721 |
| Net charge-offs to loans | 0.1084% | 4,342 |
| Credit loss provision to net charge-offs | 207.6923% | 1,793 |
| Earnings coverage of net charge-offs (x) | 23.9231% | 1,042 |
| Efficiency ratio | 57.8591% | 6,506 |
| Assets per employee ($millions) | 3.1103% | 5,978 |
| Cash dividends to net income (ytd only)* | 511.8919% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8874% | 6,874 |
| Loan loss allowance to noncurrent loans | 81.5175% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 1.2279% | 4,721 |
| Noncurrent loans to loans | 1.0886% | 5,182 |
| Net loans and leases to total assets | 71.6471% | 2,536 |
| Net loans and leases to deposits | 78.0900% | 4,022 |
| Net loans and leases to core deposits | 82.1779% | 4,462 |
| Total domestic deposits to total assets | 91.7493% | 306 |
| Equity capital to assets | 7.8939% | 6,763 |
| Core capital (leverage) ratio | 7.8492% | 6,436 |
| Tier 1 risk-based capital ratio | 10.6960% | 6,446 |
| Total risk-based capital ratio | 11.5687% | 6,794 |
| Memoranda: | ||
| Average total assets | $65,421,000 | 6,192 |
| Average earning assets | $60,072,000 | 6,165 |
| Average equity | $5,541,500 | 6,660 |
| Average total loans | $47,976,500 | 5,758 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0889% | 1,549 |
| Cost of funding earning assets | 2.0265% | 2,836 |
| Net interest margin | 4.0624% | 2,598 |
| Noninterest income to average assets | 0.4997% | 4,416 |
| Noninterest expense to average assets | 2.7956% | 4,994 |
| Loan and lease loss provision to assets | 0.0706% | 6,873 |
| Net operating income to assets | 0.9420% | 2,038 |
| Return on assets (ROA) | 0.9627% | 2,023 |
| Pretax return on assets | 1.4448% | 1,324 |
| Return on Equity (ROE) | 11.6602% | 1,248 |
| Retained earnings to average equity (ytd only) | 7.6904% | 777 |
| Net charge-offs to loans | 0.0373% | 6,748 |
| Credit loss provision to net charge-offs | 266.6667% | 1,310 |
| Earnings coverage of net charge-offs (x) | 56.1111% | 472 |
| Efficiency ratio | 65.3159% | 5,533 |
| Assets per employee ($millions) | 3.1203% | 5,943 |
| Cash dividends to net income (ytd only)* | 34.0458% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8310% | 7,044 |
| Loan loss allowance to noncurrent loans | 147.2727% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.8592% | 5,388 |
| Noncurrent loans to loans | 0.5643% | 6,115 |
| Net loans and leases to total assets | 73.7600% | 2,324 |
| Net loans and leases to deposits | 81.4191% | 3,713 |
| Net loans and leases to core deposits | 99.8905% | 4,010 |
| Total domestic deposits to total assets | 90.5930% | 700 |
| Equity capital to assets | 9.0453% | 5,068 |
| Core capital (leverage) ratio | 9.0760% | 4,292 |
| Tier 1 risk-based capital ratio | 11.8279% | 5,089 |
| Total risk-based capital ratio | 12.6386% | 5,480 |
| Memoranda: | ||
| Average total assets | $68,036,200 | 6,075 |
| Average earning assets | $63,312,200 | 6,022 |
| Average equity | $5,617,400 | 6,735 |
| Average total loans | $48,307,600 | 5,744 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1059% | 1,632 |
| Cost of funding earning assets | 2.1491% | 2,653 |
| Net interest margin | 3.9567% | 3,004 |
| Noninterest income to average assets | 0.4796% | 4,670 |
| Noninterest expense to average assets | 2.7767% | 4,992 |
| Loan and lease loss provision to assets | 0.0816% | 6,551 |
| Net operating income to assets | 0.8663% | 2,550 |
| Return on assets (ROA) | 0.8932% | 2,520 |
| Pretax return on assets | 1.3515% | 1,820 |
| Return on Equity (ROE) | 11.0708% | 1,603 |
| Retained earnings to average equity (ytd only) | 8.1587% | 1,091 |
| Net charge-offs to loans | 0.0138% | 6,723 |
| Credit loss provision to net charge-offs | 840.0000% | 452 |
| Earnings coverage of net charge-offs (x) | 143.3253% | 271 |
| Efficiency ratio | 66.6046% | 5,267 |
| Assets per employee ($millions) | 3.3172% | 5,348 |
| Cash dividends to net income (ytd only)* | 26.3044% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8706% | 6,881 |
| Loan loss allowance to noncurrent loans | 133.7662% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.7793% | 5,568 |
| Noncurrent loans to loans | 0.6509% | 5,997 |
| Net loans and leases to total assets | 70.7072% | 3,335 |
| Net loans and leases to deposits | 77.8550% | 4,757 |
| Net loans and leases to core deposits | 92.7625% | 5,157 |
| Total domestic deposits to total assets | 90.8191% | 474 |
| Equity capital to assets | 8.8132% | 5,763 |
| Core capital (leverage) ratio | 8.4716% | 5,539 |
| Tier 1 risk-based capital ratio | 12.1867% | 4,808 |
| Total risk-based capital ratio | 13.0500% | 5,100 |
| Memoranda: | ||
| Average total assets | $68,663,750 | 6,085 |
| Average earning assets | $64,024,500 | 6,033 |
| Average equity | $5,540,000 | 6,832 |
| Average total loans | $48,200,250 | 5,793 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1254% | 1,711 |
| Cost of funding earning assets | 2.2897% | 2,393 |
| Net interest margin | 3.8357% | 3,388 |
| Noninterest income to average assets | 0.4032% | 5,257 |
| Noninterest expense to average assets | 2.6556% | 5,538 |
| Loan and lease loss provision to assets | 0.1210% | 5,911 |
| Net operating income to assets | 0.7787% | 2,941 |
| Return on assets (ROA) | 0.8180% | 2,880 |
| Pretax return on assets | 1.2673% | 2,115 |
| Return on Equity (ROE) | 10.4457% | 1,868 |
| Retained earnings to average equity (ytd only) | 9.7100% | 784 |
| Net charge-offs to loans | 0.0041% | 6,555 |
| Credit loss provision to net charge-offs | 4,200.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 461.0000% | 68 |
| Efficiency ratio | 66.6667% | 5,421 |
| Assets per employee ($millions) | 3.3634% | 5,150 |
| Cash dividends to net income (ytd only)* | 7.0423% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8846% | 6,834 |
| Loan loss allowance to noncurrent loans | 92.8571% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.6957% | 5,667 |
| Noncurrent loans to loans | 0.9527% | 5,318 |
| Net loans and leases to total assets | 69.2900% | 3,882 |
| Net loans and leases to deposits | 76.1651% | 5,145 |
| Net loans and leases to core deposits | 92.0419% | 5,345 |
| Total domestic deposits to total assets | 90.9734% | 457 |
| Equity capital to assets | 8.6207% | 5,869 |
| Core capital (leverage) ratio | 8.2777% | 5,845 |
| Tier 1 risk-based capital ratio | 12.1554% | 4,799 |
| Total risk-based capital ratio | 13.0362% | 5,030 |
| Memoranda: | ||
| Average total assets | $69,437,000 | 6,096 |
| Average earning assets | $64,811,670 | 6,053 |
| Average equity | $5,437,670 | 6,918 |
| Average total loans | $48,493,000 | 5,828 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2249% | 1,515 |
| Cost of funding earning assets | 2.4814% | 1,986 |
| Net interest margin | 3.7435% | 3,682 |
| Noninterest income to average assets | 0.4311% | 4,954 |
| Noninterest expense to average assets | 2.4843% | 5,899 |
| Loan and lease loss provision to assets | 0.2382% | 4,078 |
| Net operating income to assets | 0.7179% | 3,470 |
| Return on assets (ROA) | 0.7941% | 3,316 |
| Pretax return on assets | 1.3102% | 2,249 |
| Return on Equity (ROE) | 10.6525% | 2,087 |
| Retained earnings to average equity (ytd only) | 9.1307% | 1,433 |
| Net charge-offs to loans | -0.0081% | 7,252 |
| Credit loss provision to net charge-offs | -4,200.0000% | 6,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4783% | 5,785 |
| Assets per employee ($millions) | 3.4281% | 5,001 |
| Cash dividends to net income (ytd only)* | 14.2857% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8620% | 6,907 |
| Loan loss allowance to noncurrent loans | 67.2581% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 0.9057% | 4,920 |
| Noncurrent loans to loans | 1.2816% | 4,414 |
| Net loans and leases to total assets | 66.6204% | 4,435 |
| Net loans and leases to deposits | 72.6645% | 5,660 |
| Net loans and leases to core deposits | 90.7818% | 5,479 |
| Total domestic deposits to total assets | 91.6822% | 231 |
| Equity capital to assets | 7.8608% | 6,993 |
| Core capital (leverage) ratio | 8.0003% | 6,442 |
| Tier 1 risk-based capital ratio | 11.2763% | 5,621 |
| Total risk-based capital ratio | 12.1166% | 5,933 |
| Memoranda: | ||
| Average total assets | $70,521,500 | 6,104 |
| Average earning assets | $65,607,500 | 6,051 |
| Average equity | $5,257,000 | 7,034 |
| Average total loans | $49,226,500 | 5,832 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5793% | 2,584 |
| Cost of funding earning assets | 3.2245% | 1,112 |
| Net interest margin | 3.3548% | 5,849 |
| Noninterest income to average assets | 0.4371% | 5,149 |
| Noninterest expense to average assets | 2.3971% | 6,405 |
| Loan and lease loss provision to assets | 0.4385% | 3,095 |
| Net operating income to assets | 0.4835% | 4,813 |
| Return on assets (ROA) | 0.4963% | 4,591 |
| Pretax return on assets | 0.7064% | 4,379 |
| Return on Equity (ROE) | 7.5198% | 3,270 |
| Retained earnings to average equity (ytd only) | 5.3621% | 1,830 |
| Net charge-offs to loans | 0.5321% | 2,234 |
| Credit loss provision to net charge-offs | 131.2236% | 4,059 |
| Earnings coverage of net charge-offs (x) | 3.3713% | 4,399 |
| Efficiency ratio | 68.0272% | 4,719 |
| Assets per employee ($millions) | 3.1388% | 5,657 |
| Cash dividends to net income (ytd only)* | 28.6932% | 4,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7489% | 7,288 |
| Loan loss allowance to noncurrent loans | 49.2126% | 5,544 |
| Noncurrent assets plus other real estate owned to assets | 1.2222% | 3,789 |
| Noncurrent loans to loans | 1.5217% | 3,507 |
| Net loans and leases to total assets | 71.9751% | 3,591 |
| Net loans and leases to deposits | 82.0311% | 4,725 |
| Net loans and leases to core deposits | 101.8922% | 4,624 |
| Total domestic deposits to total assets | 87.7413% | 1,584 |
| Equity capital to assets | 7.0308% | 7,721 |
| Core capital (leverage) ratio | 7.0373% | 7,666 |
| Tier 1 risk-based capital ratio | 9.4401% | 7,377 |
| Total risk-based capital ratio | 10.1921% | 7,834 |
| Memoranda: | ||
| Average total assets | $70,920,200 | 6,002 |
| Average earning assets | $65,250,400 | 5,985 |
| Average equity | $4,681,000 | 7,263 |
| Average total loans | $44,541,000 | 5,947 |