Home > Metz Banking Company > Performance and Condition Ratios
Metz Banking Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5535% | 3,006 |
| Cost of funding earning assets | 1.5042% | 1,932 |
| Net interest margin | 3.0494% | 3,179 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.1763% | 3,190 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.8311% | 2,775 |
| Return on assets (ROA) | 0.8609% | 2,645 |
| Pretax return on assets | 0.8609% | 3,066 |
| Return on Equity (ROE) | 9.1400% | 2,722 |
| Retained earnings to average equity (ytd only) | 4.7171% | 2,708 |
| Net charge-offs to loans | 0.0197% | 1,950 |
| Credit loss provision to net charge-offs | 435.7143% | 737 |
| Earnings coverage of net charge-offs (x) | 62.2143% | 1,169 |
| Efficiency ratio | 70.8890% | 1,773 |
| Assets per employee ($millions) | 6.5705% | 2,365 |
| Cash dividends to net income (ytd only)* | 48.3909% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 3,107 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 73.3000% | 1,442 |
| Net loans and leases to deposits | 81.5581% | 1,985 |
| Net loans and leases to core deposits | 84.8205% | 2,394 |
| Total domestic deposits to total assets | 89.8800% | 792 |
| Equity capital to assets | 9.7618% | 2,151 |
| Core capital (leverage) ratio | 11.4359% | 1,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $97,460,400 | 3,852 |
| Average earning assets | $92,675,400 | 3,813 |
| Average equity | $9,179,400 | 3,803 |
| Average total loans | $70,944,800 | 3,534 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3799% | 3,137 |
| Cost of funding earning assets | 1.3483% | 2,009 |
| Net interest margin | 3.0315% | 3,276 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.1004% | 3,355 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.8986% | 2,685 |
| Return on assets (ROA) | 0.9219% | 2,593 |
| Pretax return on assets | 0.9219% | 3,054 |
| Return on Equity (ROE) | 9.8800% | 2,667 |
| Retained earnings to average equity (ytd only) | 6.9392% | 2,306 |
| Net charge-offs to loans | 0.0303% | 1,472 |
| Credit loss provision to net charge-offs | 243.7500% | 1,002 |
| Earnings coverage of net charge-offs (x) | 43.3750% | 1,401 |
| Efficiency ratio | 68.8090% | 1,931 |
| Assets per employee ($millions) | 6.3944% | 2,407 |
| Cash dividends to net income (ytd only)* | 29.7619% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0329% | 3,195 |
| Loan loss allowance to noncurrent loans | 2,044.4444% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 3,424 |
| Noncurrent loans to loans | 0.0505% | 3,394 |
| Net loans and leases to total assets | 73.5200% | 1,403 |
| Net loans and leases to deposits | 81.4196% | 1,943 |
| Net loans and leases to core deposits | 83.8526% | 2,333 |
| Total domestic deposits to total assets | 90.3000% | 860 |
| Equity capital to assets | 9.4312% | 2,140 |
| Core capital (leverage) ratio | 11.7964% | 1,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $97,186,000 | 3,867 |
| Average earning assets | $92,359,750 | 3,833 |
| Average equity | $9,069,000 | 3,817 |
| Average total loans | $70,429,750 | 3,549 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2654% | 3,161 |
| Cost of funding earning assets | 1.2042% | 1,978 |
| Net interest margin | 3.0613% | 3,296 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 1.9998% | 3,601 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.9958% | 2,431 |
| Return on assets (ROA) | 1.0183% | 2,355 |
| Pretax return on assets | 1.0183% | 2,862 |
| Return on Equity (ROE) | 10.9500% | 2,433 |
| Retained earnings to average equity (ytd only) | 6.5443% | 2,438 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.0233% | 2,373 |
| Assets per employee ($millions) | 6.0879% | 2,637 |
| Cash dividends to net income (ytd only)* | 40.2414% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 3,110 |
| Loan loss allowance to noncurrent loans | 1,444.2308% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 3,243 |
| Noncurrent loans to loans | 0.0738% | 3,163 |
| Net loans and leases to total assets | 71.5800% | 1,575 |
| Net loans and leases to deposits | 79.1648% | 2,035 |
| Net loans and leases to core deposits | 82.5101% | 2,292 |
| Total domestic deposits to total assets | 90.4200% | 811 |
| Equity capital to assets | 9.3556% | 2,262 |
| Core capital (leverage) ratio | 11.5916% | 1,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $97,609,333 | 3,876 |
| Average earning assets | $92,511,000 | 3,844 |
| Average equity | $9,076,667 | 3,838 |
| Average total loans | $70,154,333 | 3,564 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0955% | 3,260 |
| Cost of funding earning assets | 0.9598% | 2,181 |
| Net interest margin | 3.1357% | 3,275 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.0960% | 3,393 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0398% | 2,413 |
| Return on assets (ROA) | 1.0685% | 2,295 |
| Pretax return on assets | 1.0685% | 2,803 |
| Return on Equity (ROE) | 11.5300% | 2,345 |
| Retained earnings to average equity (ytd only) | 11.5251% | 1,356 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.8407% | 2,108 |
| Assets per employee ($millions) | 6.6917% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 3,525 |
| Loan loss allowance to noncurrent loans | 4,450.0000% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 3,672 |
| Noncurrent loans to loans | 0.0224% | 3,612 |
| Net loans and leases to total assets | 70.3000% | 1,594 |
| Net loans and leases to deposits | 77.6732% | 1,988 |
| Net loans and leases to core deposits | 80.6471% | 2,207 |
| Total domestic deposits to total assets | 90.5100% | 975 |
| Equity capital to assets | 9.3160% | 2,286 |
| Core capital (leverage) ratio | 11.6352% | 1,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $97,710,500 | 3,925 |
| Average earning assets | $92,101,000 | 3,895 |
| Average equity | $9,058,500 | 3,891 |
| Average total loans | $69,993,000 | 3,604 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6277% | 2,716 |
| Cost of funding earning assets | 0.2304% | 3,512 |
| Net interest margin | 3.3974% | 2,268 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 2.0470% | 3,452 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.2439% | 1,618 |
| Return on assets (ROA) | 1.2489% | 1,549 |
| Pretax return on assets | 1.2489% | 2,280 |
| Return on Equity (ROE) | 13.5400% | 1,645 |
| Retained earnings to average equity (ytd only) | 8.6427% | 1,585 |
| Net charge-offs to loans | 0.0346% | 1,388 |
| Credit loss provision to net charge-offs | 543.4783% | 644 |
| Earnings coverage of net charge-offs (x) | 58.6957% | 1,270 |
| Efficiency ratio | 59.8930% | 3,071 |
| Assets per employee ($millions) | 6.7889% | 2,129 |
| Cash dividends to net income (ytd only)* | 36.1789% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0362% | 3,168 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 71.5400% | 1,467 |
| Net loans and leases to deposits | 78.8797% | 1,860 |
| Net loans and leases to core deposits | 80.1299% | 2,129 |
| Total domestic deposits to total assets | 90.7000% | 1,059 |
| Equity capital to assets | 9.2230% | 2,210 |
| Core capital (leverage) ratio | 11.1541% | 1,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $98,483,600 | 3,940 |
| Average earning assets | $94,191,000 | 3,896 |
| Average equity | $9,082,800 | 3,985 |
| Average total loans | $66,464,000 | 3,637 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4970% | 2,629 |
| Cost of funding earning assets | 0.1766% | 3,553 |
| Net interest margin | 3.3204% | 2,233 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.8682% | 3,824 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.3770% | 1,148 |
| Return on assets (ROA) | 1.3784% | 1,120 |
| Pretax return on assets | 1.3784% | 1,786 |
| Return on Equity (ROE) | 14.9500% | 1,187 |
| Retained earnings to average equity (ytd only) | 12.0349% | 784 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.7246% | 3,645 |
| Assets per employee ($millions) | 7.7591% | 1,442 |
| Cash dividends to net income (ytd only)* | 19.4742% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 3,320 |
| Loan loss allowance to noncurrent loans | 431.2500% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.1586% | 2,508 |
| Noncurrent loans to loans | 0.2403% | 2,422 |
| Net loans and leases to total assets | 65.3400% | 1,948 |
| Net loans and leases to deposits | 71.4954% | 2,246 |
| Net loans and leases to core deposits | 72.3700% | 2,459 |
| Total domestic deposits to total assets | 91.3800% | 1,086 |
| Equity capital to assets | 8.5825% | 2,491 |
| Core capital (leverage) ratio | 10.9693% | 1,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $99,343,250 | 3,963 |
| Average earning assets | $95,127,000 | 3,911 |
| Average equity | $9,162,000 | 4,018 |
| Average total loans | $65,902,250 | 3,665 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4030% | 2,423 |
| Cost of funding earning assets | 0.1751% | 3,247 |
| Net interest margin | 3.2279% | 2,110 |
| Noninterest income to average assets | 0.1761% | 4,125 |
| Noninterest expense to average assets | 1.8071% | 3,932 |
| Loan and lease loss provision to assets | 0.1619% | 571 |
| Net operating income to assets | 1.3032% | 1,128 |
| Return on assets (ROA) | 1.3032% | 1,110 |
| Pretax return on assets | 1.3032% | 1,738 |
| Return on Equity (ROE) | 13.8044% | 1,163 |
| Retained earnings to average equity (ytd only) | 9.5173% | 1,135 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2257% | 3,853 |
| Assets per employee ($millions) | 7.6827% | 1,492 |
| Cash dividends to net income (ytd only)* | 31.0559% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 3,463 |
| Loan loss allowance to noncurrent loans | 3,136.3636% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 3,784 |
| Noncurrent loans to loans | 0.0329% | 3,704 |
| Net loans and leases to total assets | 66.2949% | 1,656 |
| Net loans and leases to deposits | 72.7572% | 1,975 |
| Net loans and leases to core deposits | 73.9386% | 2,179 |
| Total domestic deposits to total assets | 91.1179% | 1,176 |
| Equity capital to assets | 8.8471% | 2,499 |
| Core capital (leverage) ratio | 10.6971% | 1,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,835,000 | 4,005 |
| Average earning assets | $94,798,333 | 3,962 |
| Average equity | $9,330,333 | 4,071 |
| Average total loans | $65,672,000 | 3,699 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3489% | 2,244 |
| Cost of funding earning assets | 0.1742% | 3,169 |
| Net interest margin | 3.1747% | 1,959 |
| Noninterest income to average assets | 0.1790% | 4,097 |
| Noninterest expense to average assets | 2.0709% | 3,250 |
| Loan and lease loss provision to assets | 0.3255% | 182 |
| Net operating income to assets | 0.8218% | 2,587 |
| Return on assets (ROA) | 0.8503% | 2,474 |
| Pretax return on assets | 0.8503% | 2,938 |
| Return on Equity (ROE) | 8.7288% | 2,421 |
| Retained earnings to average equity (ytd only) | 8.7288% | 1,354 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3489% | 2,986 |
| Assets per employee ($millions) | 7.1365% | 1,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 3,487 |
| Loan loss allowance to noncurrent loans | 6,900.0000% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 3,966 |
| Noncurrent loans to loans | 0.0154% | 3,899 |
| Net loans and leases to total assets | 64.3663% | 1,577 |
| Net loans and leases to deposits | 70.8959% | 1,877 |
| Net loans and leases to core deposits | 72.0638% | 2,104 |
| Total domestic deposits to total assets | 90.7898% | 1,139 |
| Equity capital to assets | 9.1782% | 2,545 |
| Core capital (leverage) ratio | 10.6837% | 1,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,315,000 | 4,022 |
| Average earning assets | $94,120,000 | 3,982 |
| Average equity | $9,577,500 | 4,103 |
| Average total loans | $65,057,000 | 3,717 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5152% | 2,613 |
| Cost of funding earning assets | 0.2451% | 2,994 |
| Net interest margin | 3.2702% | 2,408 |
| Noninterest income to average assets | 0.1847% | 4,230 |
| Noninterest expense to average assets | 2.0485% | 3,538 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2663% | 1,700 |
| Return on assets (ROA) | 1.2822% | 1,710 |
| Pretax return on assets | 1.2822% | 2,410 |
| Return on Equity (ROE) | 12.2020% | 1,745 |
| Retained earnings to average equity (ytd only) | 8.1616% | 1,473 |
| Net charge-offs to loans | -0.0569% | 4,383 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7996% | 2,900 |
| Assets per employee ($millions) | 6.4479% | 2,373 |
| Cash dividends to net income (ytd only)* | 33.1126% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 3,973 |
| Loan loss allowance to noncurrent loans | 348.5714% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.1809% | 2,673 |
| Noncurrent loans to loans | 0.2688% | 2,640 |
| Net loans and leases to total assets | 66.6932% | 1,408 |
| Net loans and leases to deposits | 74.4037% | 1,693 |
| Net loans and leases to core deposits | 75.7190% | 1,942 |
| Total domestic deposits to total assets | 89.6370% | 1,147 |
| Equity capital to assets | 10.3237% | 2,345 |
| Core capital (leverage) ratio | 10.2349% | 2,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,214,600 | 4,052 |
| Average earning assets | $90,178,600 | 4,020 |
| Average equity | $9,900,000 | 4,141 |
| Average total loans | $54,449,600 | 3,925 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5532% | 2,687 |
| Cost of funding earning assets | 0.2638% | 2,972 |
| Net interest margin | 3.2894% | 2,443 |
| Noninterest income to average assets | 0.1938% | 4,235 |
| Noninterest expense to average assets | 1.9560% | 3,796 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3819% | 1,593 |
| Return on assets (ROA) | 1.4033% | 1,591 |
| Pretax return on assets | 1.4033% | 2,320 |
| Return on Equity (ROE) | 13.2942% | 1,618 |
| Retained earnings to average equity (ytd only) | 10.5949% | 1,153 |
| Net charge-offs to loans | -0.0798% | 4,534 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6001% | 3,179 |
| Assets per employee ($millions) | 6.9911% | 1,873 |
| Cash dividends to net income (ytd only)* | 20.3046% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 3,494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 56.6431% | 2,658 |
| Net loans and leases to deposits | 63.2595% | 2,928 |
| Net loans and leases to core deposits | 64.3648% | 3,099 |
| Total domestic deposits to total assets | 89.5408% | 989 |
| Equity capital to assets | 10.4224% | 2,514 |
| Core capital (leverage) ratio | 10.4764% | 2,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,588,500 | 4,107 |
| Average earning assets | $89,456,500 | 4,078 |
| Average equity | $9,878,750 | 4,200 |
| Average total loans | $51,783,250 | 4,013 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7365% | 2,241 |
| Cost of funding earning assets | 0.2836% | 2,938 |
| Net interest margin | 3.4529% | 1,997 |
| Noninterest income to average assets | 0.1953% | 4,222 |
| Noninterest expense to average assets | 1.9662% | 3,798 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5321% | 1,210 |
| Return on assets (ROA) | 1.5517% | 1,222 |
| Pretax return on assets | 1.5517% | 1,866 |
| Return on Equity (ROE) | 14.6346% | 1,253 |
| Retained earnings to average equity (ytd only) | 10.5410% | 1,240 |
| Net charge-offs to loans | -0.0079% | 3,590 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2035% | 3,517 |
| Assets per employee ($millions) | 6.8898% | 1,883 |
| Cash dividends to net income (ytd only)* | 27.9720% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 3,360 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 53.4622% | 3,200 |
| Net loans and leases to deposits | 59.6314% | 3,423 |
| Net loans and leases to core deposits | 60.3205% | 3,597 |
| Total domestic deposits to total assets | 89.6545% | 948 |
| Equity capital to assets | 10.2989% | 2,578 |
| Core capital (leverage) ratio | 10.4191% | 2,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,159,333 | 4,151 |
| Average earning assets | $88,158,000 | 4,110 |
| Average equity | $9,771,333 | 4,229 |
| Average total loans | $50,361,000 | 4,078 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1595% | 1,270 |
| Cost of funding earning assets | 0.3117% | 2,874 |
| Net interest margin | 3.8477% | 1,061 |
| Noninterest income to average assets | 0.2266% | 4,026 |
| Noninterest expense to average assets | 1.9820% | 3,774 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.9198% | 640 |
| Return on assets (ROA) | 1.9642% | 645 |
| Pretax return on assets | 1.9642% | 1,007 |
| Return on Equity (ROE) | 18.2456% | 700 |
| Retained earnings to average equity (ytd only) | 18.2456% | 356 |
| Net charge-offs to loans | -0.0081% | 3,583 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7973% | 4,116 |
| Assets per employee ($millions) | 6.6200% | 2,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1474% | 3,202 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 53.9135% | 3,253 |
| Net loans and leases to deposits | 60.3729% | 3,453 |
| Net loans and leases to core deposits | 61.1045% | 3,635 |
| Total domestic deposits to total assets | 89.3008% | 1,173 |
| Equity capital to assets | 10.6463% | 2,134 |
| Core capital (leverage) ratio | 10.9168% | 1,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,010,500 | 4,188 |
| Average earning assets | $85,972,500 | 4,145 |
| Average equity | $9,690,000 | 4,247 |
| Average total loans | $49,467,000 | 4,115 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0555% | 2,566 |
| Cost of funding earning assets | 0.7130% | 1,657 |
| Net interest margin | 3.3425% | 2,949 |
| Noninterest income to average assets | 0.1731% | 4,418 |
| Noninterest expense to average assets | 2.2985% | 3,403 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.0584% | 2,073 |
| Return on assets (ROA) | 1.0913% | 2,076 |
| Pretax return on assets | 1.0913% | 2,732 |
| Return on Equity (ROE) | 9.6141% | 2,156 |
| Retained earnings to average equity (ytd only) | 3.1689% | 3,250 |
| Net charge-offs to loans | 0.0597% | 1,923 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 28.9333% | 1,643 |
| Efficiency ratio | 68.4708% | 2,169 |
| Assets per employee ($millions) | 6.2386% | 2,131 |
| Cash dividends to net income (ytd only)* | 67.0391% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 2,969 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 54.7372% | 3,417 |
| Net loans and leases to deposits | 61.4886% | 3,642 |
| Net loans and leases to core deposits | 62.6908% | 3,792 |
| Total domestic deposits to total assets | 89.0200% | 980 |
| Equity capital to assets | 10.8918% | 2,350 |
| Core capital (leverage) ratio | 10.5588% | 2,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,011,000 | 4,221 |
| Average earning assets | $78,115,200 | 4,184 |
| Average equity | $9,309,200 | 4,269 |
| Average total loans | $50,265,600 | 4,105 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2457% | 2,264 |
| Cost of funding earning assets | 0.8147% | 1,420 |
| Net interest margin | 3.4310% | 2,812 |
| Noninterest income to average assets | 0.1818% | 4,383 |
| Noninterest expense to average assets | 2.2261% | 3,617 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2196% | 1,577 |
| Return on assets (ROA) | 1.2576% | 1,574 |
| Pretax return on assets | 1.2576% | 2,196 |
| Return on Equity (ROE) | 10.9593% | 1,696 |
| Retained earnings to average equity (ytd only) | 2.3186% | 3,819 |
| Net charge-offs to loans | 0.0815% | 1,489 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 23.8065% | 1,780 |
| Efficiency ratio | 64.6043% | 2,645 |
| Assets per employee ($millions) | 6.1049% | 2,176 |
| Cash dividends to net income (ytd only)* | 78.8436% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1327% | 3,020 |
| Loan loss allowance to noncurrent loans | 14,450.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 4,502 |
| Noncurrent loans to loans | 0.0078% | 4,417 |
| Net loans and leases to total assets | 59.0291% | 3,318 |
| Net loans and leases to deposits | 66.4012% | 3,587 |
| Net loans and leases to core deposits | 67.5029% | 3,790 |
| Total domestic deposits to total assets | 88.8976% | 816 |
| Equity capital to assets | 10.9948% | 2,401 |
| Core capital (leverage) ratio | 10.9535% | 1,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,678,500 | 4,244 |
| Average earning assets | $76,749,750 | 4,211 |
| Average equity | $9,258,250 | 4,296 |
| Average total loans | $50,735,250 | 4,120 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4567% | 2,049 |
| Cost of funding earning assets | 0.9190% | 1,282 |
| Net interest margin | 3.5377% | 2,682 |
| Noninterest income to average assets | 0.1922% | 4,318 |
| Noninterest expense to average assets | 2.1370% | 3,956 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.4137% | 1,085 |
| Return on assets (ROA) | 1.4719% | 1,062 |
| Pretax return on assets | 1.4719% | 1,523 |
| Return on Equity (ROE) | 12.6357% | 1,182 |
| Retained earnings to average equity (ytd only) | 3.9514% | 2,937 |
| Net charge-offs to loans | 0.1264% | 1,085 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 17.4688% | 1,814 |
| Efficiency ratio | 60.1852% | 3,390 |
| Assets per employee ($millions) | 6.0876% | 2,103 |
| Cash dividends to net income (ytd only)* | 68.7285% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 2,895 |
| Loan loss allowance to noncurrent loans | 480.8333% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.1408% | 3,815 |
| Noncurrent loans to loans | 0.2343% | 3,537 |
| Net loans and leases to total assets | 59.4103% | 3,383 |
| Net loans and leases to deposits | 66.9156% | 3,648 |
| Net loans and leases to core deposits | 68.5369% | 3,828 |
| Total domestic deposits to total assets | 88.7839% | 828 |
| Equity capital to assets | 11.0506% | 2,299 |
| Core capital (leverage) ratio | 11.3162% | 1,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,082,000 | 4,267 |
| Average earning assets | $75,078,000 | 4,235 |
| Average equity | $9,212,000 | 4,319 |
| Average total loans | $50,637,333 | 4,128 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6002% | 1,996 |
| Cost of funding earning assets | 1.0025% | 1,410 |
| Net interest margin | 3.5977% | 2,671 |
| Noninterest income to average assets | 0.2368% | 4,135 |
| Noninterest expense to average assets | 2.3418% | 3,678 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2946% | 1,258 |
| Return on assets (ROA) | 1.2946% | 1,357 |
| Pretax return on assets | 1.2946% | 1,885 |
| Return on Equity (ROE) | 10.8025% | 1,470 |
| Retained earnings to average equity (ytd only) | 2.0200% | 3,440 |
| Net charge-offs to loans | -0.0079% | 3,998 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3994% | 3,176 |
| Assets per employee ($millions) | 5.5300% | 2,087 |
| Cash dividends to net income (ytd only)* | 81.3008% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 2,590 |
| Loan loss allowance to noncurrent loans | 1,605.2632% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 4,353 |
| Noncurrent loans to loans | 0.0756% | 4,215 |
| Net loans and leases to total assets | 64.1088% | 3,054 |
| Net loans and leases to deposits | 72.7597% | 3,380 |
| Net loans and leases to core deposits | 74.7147% | 3,588 |
| Total domestic deposits to total assets | 88.1103% | 1,067 |
| Equity capital to assets | 11.7321% | 2,258 |
| Core capital (leverage) ratio | 11.9106% | 1,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,010,000 | 4,316 |
| Average earning assets | $71,823,000 | 4,286 |
| Average equity | $9,109,000 | 4,355 |
| Average total loans | $50,351,000 | 4,147 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7303% | 2,242 |
| Cost of funding earning assets | 1.1077% | 1,294 |
| Net interest margin | 3.6226% | 3,070 |
| Noninterest income to average assets | 0.2206% | 4,346 |
| Noninterest expense to average assets | 2.4396% | 3,594 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2015% | 2,052 |
| Return on assets (ROA) | 1.2015% | 2,151 |
| Pretax return on assets | 1.2015% | 2,841 |
| Return on Equity (ROE) | 9.8098% | 2,386 |
| Retained earnings to average equity (ytd only) | 0.9721% | 4,388 |
| Net charge-offs to loans | -0.0080% | 4,414 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0011% | 2,617 |
| Assets per employee ($millions) | 5.3286% | 2,217 |
| Cash dividends to net income (ytd only)* | 90.0901% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 2,399 |
| Loan loss allowance to noncurrent loans | 951.5625% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 4,214 |
| Noncurrent loans to loans | 0.1268% | 4,014 |
| Net loans and leases to total assets | 66.8231% | 2,857 |
| Net loans and leases to deposits | 76.3131% | 3,147 |
| Net loans and leases to core deposits | 77.4850% | 3,481 |
| Total domestic deposits to total assets | 87.5643% | 1,334 |
| Equity capital to assets | 12.2453% | 1,983 |
| Core capital (leverage) ratio | 12.0084% | 1,772 |
| Tier 1 risk-based capital ratio | 17.2993% | 1,962 |
| Total risk-based capital ratio | 18.4603% | 1,932 |
| Memoranda: | ||
| Average total assets | $73,904,800 | 4,368 |
| Average earning assets | $69,783,800 | 4,348 |
| Average equity | $9,052,200 | 4,371 |
| Average total loans | $50,189,400 | 4,179 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7257% | 2,341 |
| Cost of funding earning assets | 1.1244% | 1,261 |
| Net interest margin | 3.6013% | 3,245 |
| Noninterest income to average assets | 0.2315% | 4,351 |
| Noninterest expense to average assets | 2.3201% | 3,902 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3110% | 1,806 |
| Return on assets (ROA) | 1.3110% | 1,886 |
| Pretax return on assets | 1.3110% | 2,627 |
| Return on Equity (ROE) | 10.7030% | 2,138 |
| Retained earnings to average equity (ytd only) | 1.8453% | 4,327 |
| Net charge-offs to loans | -0.0080% | 4,322 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8944% | 3,025 |
| Assets per employee ($millions) | 5.3834% | 2,141 |
| Cash dividends to net income (ytd only)* | 82.7588% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 2,451 |
| Loan loss allowance to noncurrent loans | 1,013.3333% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 4,324 |
| Noncurrent loans to loans | 0.1195% | 4,118 |
| Net loans and leases to total assets | 65.7879% | 3,075 |
| Net loans and leases to deposits | 75.0393% | 3,381 |
| Net loans and leases to core deposits | 75.6819% | 3,718 |
| Total domestic deposits to total assets | 87.6712% | 1,178 |
| Equity capital to assets | 12.1656% | 2,140 |
| Core capital (leverage) ratio | 12.2833% | 1,689 |
| Tier 1 risk-based capital ratio | 17.3206% | 1,991 |
| Total risk-based capital ratio | 18.4765% | 1,974 |
| Memoranda: | ||
| Average total assets | $73,731,000 | 4,431 |
| Average earning assets | $69,603,000 | 4,403 |
| Average equity | $9,031,500 | 4,421 |
| Average total loans | $50,122,000 | 4,228 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6597% | 2,485 |
| Cost of funding earning assets | 1.0880% | 1,345 |
| Net interest margin | 3.5717% | 3,362 |
| Noninterest income to average assets | 0.2432% | 4,298 |
| Noninterest expense to average assets | 2.3119% | 3,976 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2953% | 1,790 |
| Return on assets (ROA) | 1.2953% | 1,851 |
| Pretax return on assets | 1.2953% | 2,576 |
| Return on Equity (ROE) | 10.5501% | 2,156 |
| Retained earnings to average equity (ytd only) | 1.6471% | 4,229 |
| Net charge-offs to loans | -0.0080% | 4,255 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0909% | 3,120 |
| Assets per employee ($millions) | 4.8624% | 2,648 |
| Cash dividends to net income (ytd only)* | 84.3882% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2131% | 2,454 |
| Loan loss allowance to noncurrent loans | 1,011.6667% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 4,353 |
| Noncurrent loans to loans | 0.1199% | 4,143 |
| Net loans and leases to total assets | 67.7717% | 2,852 |
| Net loans and leases to deposits | 77.6030% | 3,181 |
| Net loans and leases to core deposits | 78.2851% | 3,555 |
| Total domestic deposits to total assets | 87.3314% | 1,416 |
| Equity capital to assets | 12.4822% | 1,867 |
| Core capital (leverage) ratio | 12.5438% | 1,514 |
| Tier 1 risk-based capital ratio | 17.2637% | 2,007 |
| Total risk-based capital ratio | 18.4204% | 1,986 |
| Memoranda: | ||
| Average total assets | $73,185,330 | 4,472 |
| Average earning assets | $68,931,330 | 4,450 |
| Average equity | $8,985,670 | 4,438 |
| Average total loans | $50,099,000 | 4,254 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6063% | 2,511 |
| Cost of funding earning assets | 0.9850% | 1,634 |
| Net interest margin | 3.6213% | 3,175 |
| Noninterest income to average assets | 0.2401% | 4,285 |
| Noninterest expense to average assets | 2.2916% | 4,044 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3586% | 1,492 |
| Return on assets (ROA) | 1.3586% | 1,535 |
| Pretax return on assets | 1.3586% | 2,237 |
| Return on Equity (ROE) | 11.1578% | 1,887 |
| Retained earnings to average equity (ytd only) | 2.1957% | 4,012 |
| Net charge-offs to loans | -0.0080% | 4,145 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7803% | 3,414 |
| Assets per employee ($millions) | 5.2441% | 2,236 |
| Cash dividends to net income (ytd only)* | 80.3213% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 2,513 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 67.2732% | 2,865 |
| Net loans and leases to deposits | 76.7891% | 3,186 |
| Net loans and leases to core deposits | 77.8286% | 3,530 |
| Total domestic deposits to total assets | 87.6078% | 1,513 |
| Equity capital to assets | 12.2424% | 1,881 |
| Core capital (leverage) ratio | 12.5329% | 1,491 |
| Tier 1 risk-based capital ratio | 17.1160% | 2,076 |
| Total risk-based capital ratio | 18.2640% | 2,053 |
| Memoranda: | ||
| Average total assets | $73,310,000 | 4,518 |
| Average earning assets | $69,035,500 | 4,498 |
| Average equity | $8,926,500 | 4,471 |
| Average total loans | $50,130,000 | 4,296 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7030% | 1,812 |
| Cost of funding earning assets | 0.6455% | 2,427 |
| Net interest margin | 4.0575% | 1,797 |
| Noninterest income to average assets | 0.2138% | 4,630 |
| Noninterest expense to average assets | 2.4014% | 3,873 |
| Loan and lease loss provision to assets | 0.0897% | 2,352 |
| Net operating income to assets | 1.5200% | 1,069 |
| Return on assets (ROA) | 1.5200% | 1,053 |
| Pretax return on assets | 1.5200% | 1,714 |
| Return on Equity (ROE) | 12.6029% | 1,509 |
| Retained earnings to average equity (ytd only) | 3.4538% | 3,687 |
| Net charge-offs to loans | 0.0733% | 2,072 |
| Credit loss provision to net charge-offs | 175.6757% | 1,602 |
| Earnings coverage of net charge-offs (x) | 31.5405% | 1,539 |
| Efficiency ratio | 59.8693% | 3,881 |
| Assets per employee ($millions) | 5.2288% | 2,229 |
| Cash dividends to net income (ytd only)* | 72.5953% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 2,553 |
| Loan loss allowance to noncurrent loans | 3,558.8235% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 4,760 |
| Noncurrent loans to loans | 0.0338% | 4,621 |
| Net loans and leases to total assets | 67.8374% | 2,899 |
| Net loans and leases to deposits | 77.3288% | 3,240 |
| Net loans and leases to core deposits | 78.0606% | 3,577 |
| Total domestic deposits to total assets | 87.7259% | 1,435 |
| Equity capital to assets | 12.1102% | 1,816 |
| Core capital (leverage) ratio | 12.3280% | 1,549 |
| Tier 1 risk-based capital ratio | 16.9983% | 2,069 |
| Total risk-based capital ratio | 18.1428% | 2,047 |
| Memoranda: | ||
| Average total assets | $72,499,600 | 4,544 |
| Average earning assets | $67,849,600 | 4,529 |
| Average equity | $8,744,000 | 4,492 |
| Average total loans | $50,496,800 | 4,309 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6373% | 1,878 |
| Cost of funding earning assets | 0.5730% | 2,679 |
| Net interest margin | 4.0643% | 1,742 |
| Noninterest income to average assets | 0.2249% | 4,624 |
| Noninterest expense to average assets | 2.2362% | 4,244 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7937% | 607 |
| Return on assets (ROA) | 1.7937% | 610 |
| Pretax return on assets | 1.7937% | 1,026 |
| Return on Equity (ROE) | 14.8880% | 895 |
| Retained earnings to average equity (ytd only) | 5.7073% | 2,821 |
| Net charge-offs to loans | 0.1002% | 1,489 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 25.6029% | 1,772 |
| Efficiency ratio | 55.4895% | 4,445 |
| Assets per employee ($millions) | 5.1924% | 2,227 |
| Cash dividends to net income (ytd only)* | 61.6650% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 3,493 |
| Loan loss allowance to noncurrent loans | 1,540.0000% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 4,731 |
| Noncurrent loans to loans | 0.0679% | 4,578 |
| Net loans and leases to total assets | 70.1773% | 2,618 |
| Net loans and leases to deposits | 80.0094% | 3,045 |
| Net loans and leases to core deposits | 81.2843% | 3,382 |
| Total domestic deposits to total assets | 87.7113% | 1,387 |
| Equity capital to assets | 12.1690% | 1,787 |
| Core capital (leverage) ratio | 12.4841% | 1,512 |
| Tier 1 risk-based capital ratio | 16.6339% | 2,229 |
| Total risk-based capital ratio | 17.6238% | 2,256 |
| Memoranda: | ||
| Average total assets | $72,323,750 | 4,597 |
| Average earning assets | $67,710,250 | 4,577 |
| Average equity | $8,713,750 | 4,540 |
| Average total loans | $50,555,000 | 4,348 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5701% | 1,875 |
| Cost of funding earning assets | 0.4976% | 3,021 |
| Net interest margin | 4.0725% | 1,638 |
| Noninterest income to average assets | 0.2216% | 4,696 |
| Noninterest expense to average assets | 2.1246% | 4,549 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.9058% | 466 |
| Return on assets (ROA) | 1.9058% | 462 |
| Pretax return on assets | 1.9058% | 761 |
| Return on Equity (ROE) | 15.8714% | 695 |
| Retained earnings to average equity (ytd only) | 6.6439% | 2,234 |
| Net charge-offs to loans | 0.1513% | 1,020 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 18.1053% | 1,920 |
| Efficiency ratio | 52.7148% | 4,812 |
| Assets per employee ($millions) | 4.8346% | 2,638 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0504% | 3,534 |
| Loan loss allowance to noncurrent loans | 1,633.3333% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0455% | 4,798 |
| Noncurrent loans to loans | 0.0643% | 4,634 |
| Net loans and leases to total assets | 70.0189% | 2,579 |
| Net loans and leases to deposits | 79.7753% | 2,974 |
| Net loans and leases to core deposits | 82.3620% | 3,213 |
| Total domestic deposits to total assets | 87.7701% | 1,490 |
| Equity capital to assets | 12.1334% | 1,758 |
| Core capital (leverage) ratio | 12.5423% | 1,415 |
| Tier 1 risk-based capital ratio | 16.4109% | 2,286 |
| Total risk-based capital ratio | 17.3968% | 2,322 |
| Memoranda: | ||
| Average total assets | $72,200,670 | 4,649 |
| Average earning assets | $67,526,330 | 4,630 |
| Average equity | $8,669,670 | 4,587 |
| Average total loans | $50,222,330 | 4,397 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4499% | 2,021 |
| Cost of funding earning assets | 0.4622% | 3,109 |
| Net interest margin | 3.9877% | 1,764 |
| Noninterest income to average assets | 0.2276% | 4,649 |
| Noninterest expense to average assets | 2.1599% | 4,507 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8045% | 562 |
| Return on assets (ROA) | 1.8045% | 566 |
| Pretax return on assets | 1.8045% | 906 |
| Return on Equity (ROE) | 15.1075% | 786 |
| Retained earnings to average equity (ytd only) | 5.8106% | 2,803 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4818% | 4,752 |
| Assets per employee ($millions) | 4.7650% | 2,772 |
| Cash dividends to net income (ytd only)* | 61.5385% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 3,066 |
| Loan loss allowance to noncurrent loans | 861.1940% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.0937% | 4,626 |
| Noncurrent loans to loans | 0.1342% | 4,364 |
| Net loans and leases to total assets | 69.0395% | 2,621 |
| Net loans and leases to deposits | 78.5889% | 2,955 |
| Net loans and leases to core deposits | 81.1719% | 3,224 |
| Total domestic deposits to total assets | 87.8489% | 1,702 |
| Equity capital to assets | 12.0714% | 1,729 |
| Core capital (leverage) ratio | 12.3562% | 1,456 |
| Tier 1 risk-based capital ratio | 16.4540% | 2,289 |
| Total risk-based capital ratio | 17.5318% | 2,313 |
| Memoranda: | ||
| Average total assets | $72,041,500 | 4,708 |
| Average earning assets | $67,507,000 | 4,685 |
| Average equity | $8,605,000 | 4,644 |
| Average total loans | $49,675,500 | 4,450 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5204% | 1,651 |
| Cost of funding earning assets | 0.4507% | 2,769 |
| Net interest margin | 4.0697% | 1,532 |
| Noninterest income to average assets | 0.2017% | 4,935 |
| Noninterest expense to average assets | 2.3351% | 4,243 |
| Loan and lease loss provision to assets | 0.0774% | 2,652 |
| Net operating income to assets | 1.5945% | 660 |
| Return on assets (ROA) | 1.5945% | 675 |
| Pretax return on assets | 1.5945% | 1,308 |
| Return on Equity (ROE) | 13.6445% | 822 |
| Retained earnings to average equity (ytd only) | 4.1856% | 2,654 |
| Net charge-offs to loans | 0.1707% | 1,446 |
| Credit loss provision to net charge-offs | 65.1163% | 3,163 |
| Earnings coverage of net charge-offs (x) | 14.0698% | 2,356 |
| Efficiency ratio | 58.2759% | 4,494 |
| Assets per employee ($millions) | 5.1863% | 2,265 |
| Cash dividends to net income (ytd only)* | 69.3241% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 2,972 |
| Loan loss allowance to noncurrent loans | 524.5455% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.1515% | 4,381 |
| Noncurrent loans to loans | 0.2225% | 4,017 |
| Net loans and leases to total assets | 67.2805% | 2,918 |
| Net loans and leases to deposits | 76.3703% | 3,292 |
| Net loans and leases to core deposits | 78.8301% | 3,517 |
| Total domestic deposits to total assets | 88.0977% | 1,445 |
| Equity capital to assets | 11.8196% | 1,969 |
| Core capital (leverage) ratio | 11.6952% | 1,795 |
| Tier 1 risk-based capital ratio | 16.5801% | 2,236 |
| Total risk-based capital ratio | 17.6818% | 2,222 |
| Memoranda: | ||
| Average total assets | $72,373,600 | 4,741 |
| Average earning assets | $67,671,000 | 4,711 |
| Average equity | $8,457,600 | 4,710 |
| Average total loans | $50,392,000 | 4,447 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4030% | 1,954 |
| Cost of funding earning assets | 0.4411% | 2,799 |
| Net interest margin | 3.9619% | 1,827 |
| Noninterest income to average assets | 0.2047% | 4,983 |
| Noninterest expense to average assets | 2.2070% | 4,511 |
| Loan and lease loss provision to assets | 0.1032% | 2,051 |
| Net operating income to assets | 1.6041% | 710 |
| Return on assets (ROA) | 1.6041% | 728 |
| Pretax return on assets | 1.6041% | 1,406 |
| Return on Equity (ROE) | 13.7657% | 883 |
| Retained earnings to average equity (ytd only) | 4.2721% | 3,358 |
| Net charge-offs to loans | -0.0053% | 4,472 |
| Credit loss provision to net charge-offs | -2,800.0000% | 5,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3825% | 4,689 |
| Assets per employee ($millions) | 5.6330% | 1,802 |
| Cash dividends to net income (ytd only)* | 68.9656% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 2,344 |
| Loan loss allowance to noncurrent loans | 65.7115% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 1.3820% | 1,134 |
| Noncurrent loans to loans | 1.9820% | 862 |
| Net loans and leases to total assets | 68.8184% | 2,722 |
| Net loans and leases to deposits | 78.0543% | 3,155 |
| Net loans and leases to core deposits | 81.4596% | 3,332 |
| Total domestic deposits to total assets | 88.1673% | 1,274 |
| Equity capital to assets | 11.7604% | 2,145 |
| Core capital (leverage) ratio | 11.9244% | 1,742 |
| Tier 1 risk-based capital ratio | 15.6894% | 2,635 |
| Total risk-based capital ratio | 16.9026% | 2,593 |
| Memoranda: | ||
| Average total assets | $72,315,000 | 4,784 |
| Average earning assets | $67,709,250 | 4,756 |
| Average equity | $8,426,500 | 4,762 |
| Average total loans | $50,633,000 | 4,488 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3724% | 1,906 |
| Cost of funding earning assets | 0.4340% | 2,766 |
| Net interest margin | 3.9385% | 1,812 |
| Noninterest income to average assets | 0.2000% | 5,047 |
| Noninterest expense to average assets | 2.1636% | 4,646 |
| Loan and lease loss provision to assets | 0.1555% | 1,289 |
| Net operating income to assets | 1.5609% | 767 |
| Return on assets (ROA) | 1.5609% | 790 |
| Pretax return on assets | 1.5609% | 1,459 |
| Return on Equity (ROE) | 13.4375% | 940 |
| Retained earnings to average equity (ytd only) | 3.8734% | 3,390 |
| Net charge-offs to loans | -0.0079% | 4,461 |
| Credit loss provision to net charge-offs | -2,800.0000% | 4,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7623% | 4,857 |
| Assets per employee ($millions) | 5.1396% | 2,225 |
| Cash dividends to net income (ytd only)* | 71.1744% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3300% | 2,271 |
| Loan loss allowance to noncurrent loans | 62.2659% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 1.4843% | 1,036 |
| Noncurrent loans to loans | 2.1360% | 768 |
| Net loans and leases to total assets | 68.5637% | 2,730 |
| Net loans and leases to deposits | 77.8462% | 3,130 |
| Net loans and leases to core deposits | 80.9142% | 3,352 |
| Total domestic deposits to total assets | 88.0759% | 1,417 |
| Equity capital to assets | 11.8463% | 2,043 |
| Core capital (leverage) ratio | 11.8174% | 1,751 |
| Tier 1 risk-based capital ratio | 15.7393% | 2,606 |
| Total risk-based capital ratio | 16.9719% | 2,551 |
| Memoranda: | ||
| Average total assets | $72,010,330 | 4,822 |
| Average earning assets | $67,285,000 | 4,798 |
| Average equity | $8,364,670 | 4,789 |
| Average total loans | $50,490,670 | 4,514 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3113% | 1,926 |
| Cost of funding earning assets | 0.4163% | 2,841 |
| Net interest margin | 3.8951% | 1,796 |
| Noninterest income to average assets | 0.1943% | 5,105 |
| Noninterest expense to average assets | 2.2211% | 4,586 |
| Loan and lease loss provision to assets | 0.3109% | 418 |
| Net operating income to assets | 1.2993% | 1,247 |
| Return on assets (ROA) | 1.2993% | 1,281 |
| Pretax return on assets | 1.2993% | 2,236 |
| Return on Equity (ROE) | 11.2975% | 1,465 |
| Retained earnings to average equity (ytd only) | 1.6415% | 4,448 |
| Net charge-offs to loans | -0.0079% | 4,331 |
| Credit loss provision to net charge-offs | -5,600.0000% | 4,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9710% | 4,717 |
| Assets per employee ($millions) | 5.1914% | 2,196 |
| Cash dividends to net income (ytd only)* | 85.4701% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3176% | 2,449 |
| Loan loss allowance to noncurrent loans | 63.1779% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 1.4461% | 1,139 |
| Noncurrent loans to loans | 2.0855% | 841 |
| Net loans and leases to total assets | 68.4255% | 2,613 |
| Net loans and leases to deposits | 77.3494% | 3,046 |
| Net loans and leases to core deposits | 80.6104% | 3,239 |
| Total domestic deposits to total assets | 88.4630% | 1,450 |
| Equity capital to assets | 11.4682% | 2,203 |
| Core capital (leverage) ratio | 11.6978% | 1,831 |
| Tier 1 risk-based capital ratio | 15.5201% | 2,748 |
| Total risk-based capital ratio | 16.7520% | 2,684 |
| Memoranda: | ||
| Average total assets | $72,038,000 | 4,868 |
| Average earning assets | $67,264,500 | 4,847 |
| Average equity | $8,285,000 | 4,845 |
| Average total loans | $50,736,000 | 4,539 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4533% | 1,676 |
| Cost of funding earning assets | 0.3833% | 3,171 |
| Net interest margin | 4.0700% | 1,449 |
| Noninterest income to average assets | 0.2291% | 5,040 |
| Noninterest expense to average assets | 2.3836% | 4,338 |
| Loan and lease loss provision to assets | 0.0657% | 3,051 |
| Net operating income to assets | 1.5928% | 690 |
| Return on assets (ROA) | 1.5928% | 716 |
| Pretax return on assets | 1.5928% | 1,310 |
| Return on Equity (ROE) | 13.7204% | 819 |
| Retained earnings to average equity (ytd only) | 4.0920% | 3,001 |
| Net charge-offs to loans | 0.0097% | 3,939 |
| Credit loss provision to net charge-offs | 940.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 237.4000% | 299 |
| Efficiency ratio | 58.9699% | 4,725 |
| Assets per employee ($millions) | 5.0998% | 2,286 |
| Cash dividends to net income (ytd only)* | 70.1754% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 3,189 |
| Loan loss allowance to noncurrent loans | 59.1618% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 1.4370% | 1,180 |
| Noncurrent loans to loans | 2.0087% | 896 |
| Net loans and leases to total assets | 70.6892% | 2,383 |
| Net loans and leases to deposits | 79.9740% | 2,887 |
| Net loans and leases to core deposits | 83.8902% | 3,033 |
| Total domestic deposits to total assets | 88.3903% | 1,442 |
| Equity capital to assets | 11.5341% | 2,136 |
| Core capital (leverage) ratio | 11.4306% | 1,986 |
| Tier 1 risk-based capital ratio | 15.1627% | 2,896 |
| Total risk-based capital ratio | 16.2675% | 2,892 |
| Memoranda: | ||
| Average total assets | $71,572,800 | 4,899 |
| Average earning assets | $67,051,200 | 4,866 |
| Average equity | $8,308,800 | 4,884 |
| Average total loans | $51,553,200 | 4,534 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4573% | 1,671 |
| Cost of funding earning assets | 0.3749% | 3,282 |
| Net interest margin | 4.0824% | 1,428 |
| Noninterest income to average assets | 0.2458% | 5,005 |
| Noninterest expense to average assets | 2.2396% | 4,672 |
| Loan and lease loss provision to assets | 0.0875% | 2,481 |
| Net operating income to assets | 1.7500% | 536 |
| Return on assets (ROA) | 1.7500% | 565 |
| Pretax return on assets | 1.7500% | 1,003 |
| Return on Equity (ROE) | 15.0506% | 659 |
| Retained earnings to average equity (ytd only) | 5.4438% | 2,522 |
| Net charge-offs to loans | 0.0181% | 3,358 |
| Credit loss provision to net charge-offs | 671.4286% | 578 |
| Earnings coverage of net charge-offs (x) | 141.0472% | 490 |
| Efficiency ratio | 54.9315% | 5,162 |
| Assets per employee ($millions) | 5.2381% | 2,108 |
| Cash dividends to net income (ytd only)* | 63.8299% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 3,437 |
| Loan loss allowance to noncurrent loans | 79.9207% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.0323% | 1,996 |
| Noncurrent loans to loans | 1.4612% | 1,479 |
| Net loans and leases to total assets | 69.8185% | 2,517 |
| Net loans and leases to deposits | 79.0136% | 3,076 |
| Net loans and leases to core deposits | 82.2067% | 3,263 |
| Total domestic deposits to total assets | 88.3627% | 1,202 |
| Equity capital to assets | 11.5664% | 2,460 |
| Core capital (leverage) ratio | 11.6047% | 1,954 |
| Tier 1 risk-based capital ratio | 15.0423% | 3,035 |
| Total risk-based capital ratio | 16.1346% | 3,035 |
| Memoranda: | ||
| Average total assets | $71,616,750 | 4,940 |
| Average earning assets | $67,214,000 | 4,905 |
| Average equity | $8,327,250 | 4,932 |
| Average total loans | $51,672,250 | 4,565 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4702% | 1,605 |
| Cost of funding earning assets | 0.3725% | 3,332 |
| Net interest margin | 4.0977% | 1,365 |
| Noninterest income to average assets | 0.2421% | 5,037 |
| Noninterest expense to average assets | 2.1817% | 4,886 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.9002% | 395 |
| Return on assets (ROA) | 1.9002% | 412 |
| Pretax return on assets | 1.9002% | 698 |
| Return on Equity (ROE) | 16.3129% | 495 |
| Retained earnings to average equity (ytd only) | 6.6460% | 1,782 |
| Net charge-offs to loans | 0.0349% | 2,754 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 733 |
| Efficiency ratio | 53.4483% | 5,355 |
| Assets per employee ($millions) | 5.1404% | 2,152 |
| Cash dividends to net income (ytd only)* | 59.2593% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0682% | 4,117 |
| Loan loss allowance to noncurrent loans | 92.6667% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 0.8337% | 2,504 |
| Noncurrent loans to loans | 1.1528% | 1,991 |
| Net loans and leases to total assets | 71.5528% | 2,239 |
| Net loans and leases to deposits | 81.1565% | 2,797 |
| Net loans and leases to core deposits | 84.5090% | 3,034 |
| Total domestic deposits to total assets | 88.1665% | 1,345 |
| Equity capital to assets | 11.7627% | 2,303 |
| Core capital (leverage) ratio | 11.5578% | 1,949 |
| Tier 1 risk-based capital ratio | 14.8592% | 3,135 |
| Total risk-based capital ratio | 15.8586% | 3,191 |
| Memoranda: | ||
| Average total assets | $71,044,670 | 5,005 |
| Average earning assets | $66,574,670 | 4,963 |
| Average equity | $8,275,670 | 4,978 |
| Average total loans | $51,628,000 | 4,597 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6353% | 1,174 |
| Cost of funding earning assets | 0.3686% | 3,414 |
| Net interest margin | 4.2666% | 975 |
| Noninterest income to average assets | 0.2663% | 4,828 |
| Noninterest expense to average assets | 2.2725% | 4,734 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.9948% | 337 |
| Return on assets (ROA) | 1.9948% | 357 |
| Pretax return on assets | 1.9948% | 578 |
| Return on Equity (ROE) | 17.2106% | 413 |
| Retained earnings to average equity (ytd only) | 7.4319% | 1,694 |
| Net charge-offs to loans | -0.0156% | 4,735 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2537% | 5,442 |
| Assets per employee ($millions) | 5.0921% | 2,247 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 4,132 |
| Loan loss allowance to noncurrent loans | 1,181.2500% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0673% | 5,328 |
| Noncurrent loans to loans | 0.0920% | 5,106 |
| Net loans and leases to total assets | 72.4015% | 1,966 |
| Net loans and leases to deposits | 81.9871% | 2,544 |
| Net loans and leases to core deposits | 85.3973% | 2,800 |
| Total domestic deposits to total assets | 88.3083% | 1,464 |
| Equity capital to assets | 11.6258% | 2,311 |
| Core capital (leverage) ratio | 11.4440% | 2,014 |
| Tier 1 risk-based capital ratio | 14.5367% | 3,375 |
| Total risk-based capital ratio | 15.5489% | 3,429 |
| Memoranda: | ||
| Average total assets | $70,584,500 | 5,056 |
| Average earning assets | $66,188,000 | 5,017 |
| Average equity | $8,181,000 | 5,023 |
| Average total loans | $51,417,500 | 4,632 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5637% | 1,427 |
| Cost of funding earning assets | 0.3959% | 3,204 |
| Net interest margin | 4.1678% | 1,240 |
| Noninterest income to average assets | 0.2631% | 5,002 |
| Noninterest expense to average assets | 2.4588% | 4,360 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.7062% | 569 |
| Return on assets (ROA) | 1.7062% | 590 |
| Pretax return on assets | 1.7062% | 981 |
| Return on Equity (ROE) | 15.2415% | 652 |
| Retained earnings to average equity (ytd only) | 5.7630% | 1,918 |
| Net charge-offs to loans | 0.0574% | 3,075 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 41.5862% | 1,139 |
| Efficiency ratio | 59.0353% | 5,024 |
| Assets per employee ($millions) | 4.9914% | 2,374 |
| Cash dividends to net income (ytd only)* | 62.1891% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1154% | 3,960 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 71.6782% | 2,110 |
| Net loans and leases to deposits | 81.1076% | 2,696 |
| Net loans and leases to core deposits | 84.5481% | 2,929 |
| Total domestic deposits to total assets | 88.3742% | 1,436 |
| Equity capital to assets | 11.5543% | 2,315 |
| Core capital (leverage) ratio | 11.2287% | 2,179 |
| Tier 1 risk-based capital ratio | 14.8510% | 3,244 |
| Total risk-based capital ratio | 15.9010% | 3,281 |
| Memoranda: | ||
| Average total assets | $70,683,600 | 5,077 |
| Average earning assets | $66,174,600 | 5,036 |
| Average equity | $7,912,600 | 5,080 |
| Average total loans | $50,561,000 | 4,651 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5278% | 1,515 |
| Cost of funding earning assets | 0.4036% | 3,191 |
| Net interest margin | 4.1242% | 1,341 |
| Noninterest income to average assets | 0.2746% | 4,975 |
| Noninterest expense to average assets | 2.2327% | 4,961 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.9054% | 422 |
| Return on assets (ROA) | 1.9054% | 441 |
| Pretax return on assets | 1.9054% | 710 |
| Return on Equity (ROE) | 17.1568% | 460 |
| Retained earnings to average equity (ytd only) | 7.8417% | 1,309 |
| Net charge-offs to loans | 0.0396% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 67.5315% | 836 |
| Efficiency ratio | 53.9545% | 5,520 |
| Assets per employee ($millions) | 5.0980% | 2,180 |
| Cash dividends to net income (ytd only)* | 54.2947% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1211% | 4,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 5,588 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 71.5519% | 2,132 |
| Net loans and leases to deposits | 80.7540% | 2,795 |
| Net loans and leases to core deposits | 83.4076% | 3,110 |
| Total domestic deposits to total assets | 88.6048% | 1,235 |
| Equity capital to assets | 11.3294% | 2,667 |
| Core capital (leverage) ratio | 11.2554% | 2,240 |
| Tier 1 risk-based capital ratio | 14.6331% | 3,481 |
| Total risk-based capital ratio | 15.6924% | 3,518 |
| Memoranda: | ||
| Average total assets | $70,884,750 | 5,130 |
| Average earning assets | $66,402,750 | 5,092 |
| Average equity | $7,872,250 | 5,147 |
| Average total loans | $50,538,000 | 4,694 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4983% | 1,541 |
| Cost of funding earning assets | 0.4229% | 3,009 |
| Net interest margin | 4.0754% | 1,424 |
| Noninterest income to average assets | 0.2630% | 5,069 |
| Noninterest expense to average assets | 2.1068% | 5,328 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.9711% | 383 |
| Return on assets (ROA) | 1.9711% | 399 |
| Pretax return on assets | 1.9711% | 631 |
| Return on Equity (ROE) | 17.8695% | 420 |
| Retained earnings to average equity (ytd only) | 8.8963% | 959 |
| Net charge-offs to loans | 0.0638% | 2,470 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 43.5625% | 1,062 |
| Efficiency ratio | 51.6644% | 5,742 |
| Assets per employee ($millions) | 5.0923% | 2,151 |
| Cash dividends to net income (ytd only)* | 50.2152% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1401% | 4,132 |
| Loan loss allowance to noncurrent loans | 485.7143% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.1669% | 5,210 |
| Noncurrent loans to loans | 0.2347% | 4,829 |
| Net loans and leases to total assets | 70.3038% | 2,272 |
| Net loans and leases to deposits | 79.1351% | 2,891 |
| Net loans and leases to core deposits | 81.7315% | 3,207 |
| Total domestic deposits to total assets | 88.8403% | 1,225 |
| Equity capital to assets | 11.0840% | 2,802 |
| Core capital (leverage) ratio | 11.0147% | 2,407 |
| Tier 1 risk-based capital ratio | 14.8328% | 3,456 |
| Total risk-based capital ratio | 15.9205% | 3,471 |
| Memoranda: | ||
| Average total assets | $70,722,330 | 5,192 |
| Average earning assets | $66,202,670 | 5,150 |
| Average equity | $7,801,000 | 5,200 |
| Average total loans | $50,168,330 | 4,745 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5636% | 1,303 |
| Cost of funding earning assets | 0.4509% | 2,759 |
| Net interest margin | 4.1128% | 1,246 |
| Noninterest income to average assets | 0.2612% | 5,089 |
| Noninterest expense to average assets | 2.1409% | 5,299 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.9535% | 366 |
| Return on assets (ROA) | 1.9535% | 386 |
| Pretax return on assets | 1.9535% | 645 |
| Return on Equity (ROE) | 17.7537% | 408 |
| Retained earnings to average equity (ytd only) | 10.0123% | 924 |
| Net charge-offs to loans | -0.0160% | 4,944 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2885% | 5,792 |
| Assets per employee ($millions) | 5.0404% | 2,300 |
| Cash dividends to net income (ytd only)* | 43.6047% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 4,025 |
| Loan loss allowance to noncurrent loans | 3,725.0000% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 5,731 |
| Noncurrent loans to loans | 0.0320% | 5,667 |
| Net loans and leases to total assets | 69.9922% | 2,143 |
| Net loans and leases to deposits | 78.8537% | 2,701 |
| Net loans and leases to core deposits | 81.4694% | 3,012 |
| Total domestic deposits to total assets | 88.7621% | 1,412 |
| Equity capital to assets | 11.1585% | 2,799 |
| Core capital (leverage) ratio | 10.8731% | 2,544 |
| Tier 1 risk-based capital ratio | 14.7132% | 3,597 |
| Total risk-based capital ratio | 15.8478% | 3,588 |
| Memoranda: | ||
| Average total assets | $70,437,500 | 5,247 |
| Average earning assets | $65,649,500 | 5,209 |
| Average equity | $7,750,500 | 5,253 |
| Average total loans | $49,903,000 | 4,788 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5230% | 1,783 |
| Cost of funding earning assets | 0.5053% | 2,617 |
| Net interest margin | 4.0177% | 1,847 |
| Noninterest income to average assets | 0.2579% | 5,284 |
| Noninterest expense to average assets | 2.2857% | 5,145 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.7037% | 577 |
| Return on assets (ROA) | 1.7065% | 595 |
| Pretax return on assets | 1.7065% | 973 |
| Return on Equity (ROE) | 16.5840% | 541 |
| Retained earnings to average equity (ytd only) | 8.3673% | 883 |
| Net charge-offs to loans | -0.0304% | 5,791 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2942% | 5,534 |
| Assets per employee ($millions) | 5.0221% | 2,293 |
| Cash dividends to net income (ytd only)* | 49.5458% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 4,047 |
| Loan loss allowance to noncurrent loans | 271.2329% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.3115% | 4,795 |
| Noncurrent loans to loans | 0.4396% | 4,324 |
| Net loans and leases to total assets | 70.0128% | 2,237 |
| Net loans and leases to deposits | 78.6144% | 2,892 |
| Net loans and leases to core deposits | 80.5571% | 3,230 |
| Total domestic deposits to total assets | 89.0585% | 1,210 |
| Equity capital to assets | 10.8477% | 3,062 |
| Core capital (leverage) ratio | 10.3277% | 3,132 |
| Tier 1 risk-based capital ratio | 14.3055% | 3,894 |
| Total risk-based capital ratio | 15.4332% | 3,906 |
| Memoranda: | ||
| Average total assets | $70,962,800 | 5,259 |
| Average earning assets | $65,907,800 | 5,231 |
| Average equity | $7,302,200 | 5,350 |
| Average total loans | $49,308,600 | 4,844 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5089% | 1,837 |
| Cost of funding earning assets | 0.5091% | 2,673 |
| Net interest margin | 3.9998% | 1,879 |
| Noninterest income to average assets | 0.2381% | 5,504 |
| Noninterest expense to average assets | 2.1295% | 5,510 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.8202% | 497 |
| Return on assets (ROA) | 1.8239% | 506 |
| Pretax return on assets | 1.8239% | 844 |
| Return on Equity (ROE) | 17.9657% | 452 |
| Retained earnings to average equity (ytd only) | 9.6568% | 791 |
| Net charge-offs to loans | -0.0407% | 5,836 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9155% | 5,830 |
| Assets per employee ($millions) | 5.1353% | 2,096 |
| Cash dividends to net income (ytd only)* | 46.2491% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 4,290 |
| Loan loss allowance to noncurrent loans | 124.0084% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.6663% | 3,838 |
| Noncurrent loans to loans | 0.9584% | 3,165 |
| Net loans and leases to total assets | 68.6900% | 2,435 |
| Net loans and leases to deposits | 76.7894% | 3,097 |
| Net loans and leases to core deposits | 78.6332% | 3,479 |
| Total domestic deposits to total assets | 89.4525% | 1,005 |
| Equity capital to assets | 10.4515% | 3,624 |
| Core capital (leverage) ratio | 10.3638% | 3,193 |
| Tier 1 risk-based capital ratio | 14.0669% | 4,162 |
| Total risk-based capital ratio | 15.1889% | 4,205 |
| Memoranda: | ||
| Average total assets | $71,126,000 | 5,314 |
| Average earning assets | $66,001,750 | 5,282 |
| Average equity | $7,221,000 | 5,413 |
| Average total loans | $49,180,750 | 4,893 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4256% | 2,081 |
| Cost of funding earning assets | 0.5124% | 2,700 |
| Net interest margin | 3.9132% | 2,106 |
| Noninterest income to average assets | 0.2427% | 5,457 |
| Noninterest expense to average assets | 1.9359% | 5,936 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.9275% | 391 |
| Return on assets (ROA) | 1.9331% | 404 |
| Pretax return on assets | 1.9331% | 639 |
| Return on Equity (ROE) | 19.2326% | 345 |
| Retained earnings to average equity (ytd only) | 10.8096% | 566 |
| Net charge-offs to loans | -0.0532% | 5,908 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1096% | 6,165 |
| Assets per employee ($millions) | 5.1174% | 2,070 |
| Cash dividends to net income (ytd only)* | 43.7956% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 4,454 |
| Loan loss allowance to noncurrent loans | 52.6690% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 1.5689% | 2,079 |
| Noncurrent loans to loans | 2.2663% | 1,437 |
| Net loans and leases to total assets | 68.4003% | 2,348 |
| Net loans and leases to deposits | 76.3100% | 3,018 |
| Net loans and leases to core deposits | 78.6467% | 3,362 |
| Total domestic deposits to total assets | 89.6347% | 999 |
| Equity capital to assets | 10.2676% | 3,732 |
| Core capital (leverage) ratio | 10.2727% | 3,241 |
| Tier 1 risk-based capital ratio | 13.9738% | 4,273 |
| Total risk-based capital ratio | 15.1056% | 4,301 |
| Memoranda: | ||
| Average total assets | $70,870,000 | 5,360 |
| Average earning assets | $65,572,670 | 5,332 |
| Average equity | $7,123,330 | 5,459 |
| Average total loans | $48,915,000 | 4,933 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5338% | 1,698 |
| Cost of funding earning assets | 0.5174% | 2,739 |
| Net interest margin | 4.0163% | 1,703 |
| Noninterest income to average assets | 0.2440% | 5,406 |
| Noninterest expense to average assets | 2.0033% | 5,882 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.9409% | 372 |
| Return on assets (ROA) | 1.9522% | 385 |
| Pretax return on assets | 1.9522% | 588 |
| Return on Equity (ROE) | 19.6375% | 318 |
| Retained earnings to average equity (ytd only) | 11.0746% | 730 |
| Net charge-offs to loans | -0.0988% | 6,114 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7914% | 6,207 |
| Assets per employee ($millions) | 5.0733% | 2,155 |
| Cash dividends to net income (ytd only)* | 43.6047% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 4,726 |
| Loan loss allowance to noncurrent loans | 121.6049% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.6843% | 4,055 |
| Noncurrent loans to loans | 0.9716% | 3,484 |
| Net loans and leases to total assets | 69.5914% | 1,968 |
| Net loans and leases to deposits | 77.4200% | 2,636 |
| Net loans and leases to core deposits | 79.6750% | 3,012 |
| Total domestic deposits to total assets | 89.8882% | 1,133 |
| Equity capital to assets | 10.0175% | 3,822 |
| Core capital (leverage) ratio | 10.1183% | 3,404 |
| Tier 1 risk-based capital ratio | 13.4322% | 4,742 |
| Total risk-based capital ratio | 14.5475% | 4,758 |
| Memoranda: | ||
| Average total assets | $70,483,500 | 5,429 |
| Average earning assets | $64,935,000 | 5,412 |
| Average equity | $7,007,000 | 5,516 |
| Average total loans | $48,574,500 | 4,986 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6139% | 1,827 |
| Cost of funding earning assets | 0.5983% | 2,674 |
| Net interest margin | 4.0155% | 1,903 |
| Noninterest income to average assets | 0.2437% | 5,598 |
| Noninterest expense to average assets | 2.4905% | 4,789 |
| Loan and lease loss provision to assets | 0.2218% | 1,644 |
| Net operating income to assets | 1.2620% | 1,355 |
| Return on assets (ROA) | 1.2620% | 1,412 |
| Pretax return on assets | 1.2620% | 2,306 |
| Return on Equity (ROE) | 12.4600% | 1,292 |
| Retained earnings to average equity (ytd only) | 3.8172% | 3,489 |
| Net charge-offs to loans | 0.0604% | 4,368 |
| Credit loss provision to net charge-offs | 542.8571% | 430 |
| Earnings coverage of net charge-offs (x) | 36.3214% | 1,029 |
| Efficiency ratio | 62.6652% | 5,107 |
| Assets per employee ($millions) | 4.9958% | 2,185 |
| Cash dividends to net income (ytd only)* | 69.3642% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 4,504 |
| Loan loss allowance to noncurrent loans | 119.6281% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 0.6920% | 4,179 |
| Noncurrent loans to loans | 1.0269% | 3,463 |
| Net loans and leases to total assets | 66.5575% | 2,601 |
| Net loans and leases to deposits | 73.9292% | 3,266 |
| Net loans and leases to core deposits | 76.1135% | 3,594 |
| Total domestic deposits to total assets | 90.0287% | 1,057 |
| Equity capital to assets | 9.8640% | 3,947 |
| Core capital (leverage) ratio | 9.9805% | 3,603 |
| Tier 1 risk-based capital ratio | 13.5240% | 4,637 |
| Total risk-based capital ratio | 14.6549% | 4,666 |
| Memoranda: | ||
| Average total assets | $68,539,600 | 5,525 |
| Average earning assets | $63,677,600 | 5,480 |
| Average equity | $6,942,200 | 5,580 |
| Average total loans | $46,341,600 | 5,100 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5496% | 2,040 |
| Cost of funding earning assets | 0.6122% | 2,717 |
| Net interest margin | 3.9374% | 2,154 |
| Noninterest income to average assets | 0.2777% | 5,459 |
| Noninterest expense to average assets | 2.2114% | 5,578 |
| Loan and lease loss provision to assets | 0.2972% | 1,145 |
| Net operating income to assets | 1.4410% | 1,005 |
| Return on assets (ROA) | 1.4410% | 1,063 |
| Pretax return on assets | 1.4410% | 1,794 |
| Return on Equity (ROE) | 14.1326% | 969 |
| Retained earnings to average equity (ytd only) | 5.5035% | 2,722 |
| Net charge-offs to loans | -0.0087% | 5,863 |
| Credit loss provision to net charge-offs | -5,066.6667% | 6,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9901% | 5,904 |
| Assets per employee ($millions) | 4.8607% | 2,354 |
| Cash dividends to net income (ytd only)* | 61.0590% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 4,623 |
| Loan loss allowance to noncurrent loans | 122.7364% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 1.0963% | 3,463 |
| Noncurrent loans to loans | 1.0212% | 3,758 |
| Net loans and leases to total assets | 70.6187% | 1,850 |
| Net loans and leases to deposits | 78.7648% | 2,552 |
| Net loans and leases to core deposits | 81.1674% | 2,975 |
| Total domestic deposits to total assets | 89.6576% | 1,190 |
| Equity capital to assets | 10.2322% | 3,596 |
| Core capital (leverage) ratio | 10.1824% | 3,425 |
| Tier 1 risk-based capital ratio | 13.1213% | 5,038 |
| Total risk-based capital ratio | 14.2736% | 5,060 |
| Memoranda: | ||
| Average total assets | $68,189,250 | 5,590 |
| Average earning assets | $63,593,500 | 5,540 |
| Average equity | $6,953,000 | 5,652 |
| Average total loans | $46,144,500 | 5,153 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4425% | 2,407 |
| Cost of funding earning assets | 0.6221% | 2,754 |
| Net interest margin | 3.8204% | 2,474 |
| Noninterest income to average assets | 0.2902% | 5,378 |
| Noninterest expense to average assets | 2.0400% | 5,971 |
| Loan and lease loss provision to assets | 0.1172% | 2,860 |
| Net operating income to assets | 1.6971% | 624 |
| Return on assets (ROA) | 1.6971% | 680 |
| Pretax return on assets | 1.6971% | 1,121 |
| Return on Equity (ROE) | 16.6627% | 585 |
| Retained earnings to average equity (ytd only) | 8.0292% | 1,476 |
| Net charge-offs to loans | -0.0132% | 5,832 |
| Credit loss provision to net charge-offs | -1,333.3333% | 6,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9278% | 6,226 |
| Assets per employee ($millions) | 4.8772% | 2,263 |
| Cash dividends to net income (ytd only)* | 51.8135% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 5,664 |
| Loan loss allowance to noncurrent loans | 103.9666% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 1.0984% | 3,533 |
| Noncurrent loans to loans | 1.0025% | 3,932 |
| Net loans and leases to total assets | 69.2491% | 2,025 |
| Net loans and leases to deposits | 77.2034% | 2,695 |
| Net loans and leases to core deposits | 79.8177% | 3,045 |
| Total domestic deposits to total assets | 89.6970% | 1,207 |
| Equity capital to assets | 10.1858% | 3,675 |
| Core capital (leverage) ratio | 10.0787% | 3,404 |
| Tier 1 risk-based capital ratio | 13.3734% | 4,859 |
| Total risk-based capital ratio | 14.3334% | 5,026 |
| Memoranda: | ||
| Average total assets | $68,235,670 | 5,629 |
| Average earning assets | $63,658,000 | 5,575 |
| Average equity | $6,949,670 | 5,697 |
| Average total loans | $45,304,000 | 5,219 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3879% | 2,564 |
| Cost of funding earning assets | 0.6358% | 2,778 |
| Net interest margin | 3.7521% | 2,651 |
| Noninterest income to average assets | 0.2873% | 5,399 |
| Noninterest expense to average assets | 2.1052% | 5,902 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6771% | 614 |
| Return on assets (ROA) | 1.6771% | 677 |
| Pretax return on assets | 1.6771% | 1,133 |
| Return on Equity (ROE) | 16.4675% | 557 |
| Retained earnings to average equity (ytd only) | 7.8307% | 1,813 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6589% | 6,095 |
| Assets per employee ($millions) | 5.3385% | 1,821 |
| Cash dividends to net income (ytd only)* | 52.4476% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0221% | 5,912 |
| Loan loss allowance to noncurrent loans | 342.1053% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.4582% | 5,236 |
| Noncurrent loans to loans | 0.2988% | 5,653 |
| Net loans and leases to total assets | 63.4870% | 2,806 |
| Net loans and leases to deposits | 70.6985% | 3,364 |
| Net loans and leases to core deposits | 73.0474% | 3,699 |
| Total domestic deposits to total assets | 89.7997% | 1,164 |
| Equity capital to assets | 10.0965% | 4,019 |
| Core capital (leverage) ratio | 9.9622% | 3,436 |
| Tier 1 risk-based capital ratio | 13.9826% | 4,518 |
| Total risk-based capital ratio | 14.9189% | 4,711 |
| Memoranda: | ||
| Average total assets | $68,213,000 | 5,681 |
| Average earning assets | $63,538,500 | 5,630 |
| Average equity | $6,947,000 | 5,755 |
| Average total loans | $44,065,000 | 5,296 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9709% | 1,639 |
| Cost of funding earning assets | 0.8110% | 2,577 |
| Net interest margin | 4.1599% | 1,777 |
| Noninterest income to average assets | 0.2684% | 5,534 |
| Noninterest expense to average assets | 2.4698% | 5,191 |
| Loan and lease loss provision to assets | 0.1744% | 3,438 |
| Net operating income to assets | 1.4661% | 978 |
| Return on assets (ROA) | 1.4661% | 1,089 |
| Pretax return on assets | 1.4661% | 1,797 |
| Return on Equity (ROE) | 14.2625% | 948 |
| Retained earnings to average equity (ytd only) | 5.4130% | 2,435 |
| Net charge-offs to loans | 0.6796% | 1,736 |
| Credit loss provision to net charge-offs | 38.5906% | 4,960 |
| Earnings coverage of net charge-offs (x) | 3.6309% | 3,654 |
| Efficiency ratio | 60.0885% | 5,524 |
| Assets per employee ($millions) | 4.7876% | 2,514 |
| Cash dividends to net income (ytd only)* | 62.0476% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0432% | 5,793 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2760% | 5,863 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 64.3929% | 2,826 |
| Net loans and leases to deposits | 71.8687% | 3,434 |
| Net loans and leases to core deposits | 74.3484% | 3,736 |
| Total domestic deposits to total assets | 89.5981% | 1,191 |
| Equity capital to assets | 10.2751% | 3,793 |
| Core capital (leverage) ratio | 9.7146% | 3,783 |
| Tier 1 risk-based capital ratio | 13.8804% | 4,464 |
| Total risk-based capital ratio | 14.8289% | 4,638 |
| Memoranda: | ||
| Average total assets | $65,957,200 | 5,744 |
| Average earning assets | $60,914,800 | 5,708 |
| Average equity | $6,780,000 | 5,823 |
| Average total loans | $43,850,200 | 5,338 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9602% | 1,802 |
| Cost of funding earning assets | 0.8333% | 2,682 |
| Net interest margin | 4.1269% | 1,995 |
| Noninterest income to average assets | 0.2659% | 5,652 |
| Noninterest expense to average assets | 2.3260% | 5,610 |
| Loan and lease loss provision to assets | 0.0852% | 4,543 |
| Net operating income to assets | 1.6643% | 742 |
| Return on assets (ROA) | 1.6643% | 821 |
| Pretax return on assets | 1.6643% | 1,379 |
| Return on Equity (ROE) | 16.1894% | 718 |
| Retained earnings to average equity (ytd only) | 7.3049% | 1,940 |
| Net charge-offs to loans | 0.0972% | 4,413 |
| Credit loss provision to net charge-offs | 131.2500% | 2,194 |
| Earnings coverage of net charge-offs (x) | 26.9346% | 1,198 |
| Efficiency ratio | 57.0717% | 5,907 |
| Assets per employee ($millions) | 4.7846% | 2,479 |
| Cash dividends to net income (ytd only)* | 54.8783% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4474% | 4,170 |
| Loan loss allowance to noncurrent loans | 243.6090% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.6733% | 5,000 |
| Noncurrent loans to loans | 0.5941% | 5,255 |
| Net loans and leases to total assets | 65.8685% | 2,676 |
| Net loans and leases to deposits | 73.5636% | 3,364 |
| Net loans and leases to core deposits | 76.1039% | 3,713 |
| Total domestic deposits to total assets | 89.5394% | 1,105 |
| Equity capital to assets | 10.3307% | 4,041 |
| Core capital (leverage) ratio | 10.0132% | 3,518 |
| Tier 1 risk-based capital ratio | 13.6056% | 4,810 |
| Total risk-based capital ratio | 14.8576% | 4,767 |
| Memoranda: | ||
| Average total assets | $65,690,000 | 5,820 |
| Average earning assets | $60,640,500 | 5,784 |
| Average equity | $6,753,250 | 5,891 |
| Average total loans | $43,909,000 | 5,395 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9786% | 1,847 |
| Cost of funding earning assets | 0.8552% | 2,754 |
| Net interest margin | 4.1234% | 1,996 |
| Noninterest income to average assets | 0.2728% | 5,624 |
| Noninterest expense to average assets | 2.1852% | 6,049 |
| Loan and lease loss provision to assets | 0.0613% | 4,883 |
| Net operating income to assets | 1.8388% | 527 |
| Return on assets (ROA) | 1.8388% | 594 |
| Pretax return on assets | 1.8388% | 967 |
| Return on Equity (ROE) | 17.9167% | 520 |
| Retained earnings to average equity (ytd only) | 8.9583% | 1,294 |
| Net charge-offs to loans | 0.1100% | 4,084 |
| Credit loss provision to net charge-offs | 83.3333% | 3,230 |
| Earnings coverage of net charge-offs (x) | 25.8333% | 1,185 |
| Efficiency ratio | 53.4884% | 6,369 |
| Assets per employee ($millions) | 4.6883% | 2,587 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 4,419 |
| Loan loss allowance to noncurrent loans | 215.3061% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 1.0817% | 4,216 |
| Noncurrent loans to loans | 0.6549% | 5,195 |
| Net loans and leases to total assets | 67.4264% | 2,387 |
| Net loans and leases to deposits | 75.4038% | 3,062 |
| Net loans and leases to core deposits | 78.0667% | 3,504 |
| Total domestic deposits to total assets | 89.4204% | 1,259 |
| Equity capital to assets | 10.4409% | 3,760 |
| Core capital (leverage) ratio | 10.0729% | 3,322 |
| Tier 1 risk-based capital ratio | 13.4652% | 4,858 |
| Total risk-based capital ratio | 14.7153% | 4,812 |
| Memoranda: | ||
| Average total assets | $65,258,330 | 5,877 |
| Average earning assets | $60,338,000 | 5,827 |
| Average equity | $6,697,670 | 5,930 |
| Average total loans | $43,622,000 | 5,445 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0076% | 1,857 |
| Cost of funding earning assets | 0.8767% | 2,855 |
| Net interest margin | 4.1309% | 1,991 |
| Noninterest income to average assets | 0.2643% | 5,756 |
| Noninterest expense to average assets | 2.2560% | 5,886 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.8319% | 565 |
| Return on assets (ROA) | 1.8319% | 638 |
| Pretax return on assets | 1.8319% | 1,011 |
| Return on Equity (ROE) | 18.0060% | 548 |
| Retained earnings to average equity (ytd only) | 8.9426% | 1,614 |
| Net charge-offs to loans | -0.0186% | 6,161 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1880% | 6,204 |
| Assets per employee ($millions) | 4.7089% | 2,648 |
| Cash dividends to net income (ytd only)* | 50.3356% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4987% | 4,158 |
| Loan loss allowance to noncurrent loans | 249.0272% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.8252% | 4,884 |
| Noncurrent loans to loans | 0.6018% | 5,457 |
| Net loans and leases to total assets | 63.8043% | 2,891 |
| Net loans and leases to deposits | 71.0944% | 3,575 |
| Net loans and leases to core deposits | 74.2480% | 3,874 |
| Total domestic deposits to total assets | 89.7459% | 1,221 |
| Equity capital to assets | 10.1130% | 3,978 |
| Core capital (leverage) ratio | 9.8694% | 3,540 |
| Tier 1 risk-based capital ratio | 13.8070% | 4,603 |
| Total risk-based capital ratio | 15.0591% | 4,580 |
| Memoranda: | ||
| Average total assets | $65,069,500 | 5,916 |
| Average earning assets | $60,229,000 | 5,868 |
| Average equity | $6,620,000 | 5,994 |
| Average total loans | $42,988,500 | 5,505 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4515% | 1,290 |
| Cost of funding earning assets | 1.0113% | 3,295 |
| Net interest margin | 4.4402% | 1,286 |
| Noninterest income to average assets | 0.3213% | 5,246 |
| Noninterest expense to average assets | 2.5150% | 5,422 |
| Loan and lease loss provision to assets | 0.2545% | 3,662 |
| Net operating income to assets | 1.6655% | 588 |
| Return on assets (ROA) | 1.6719% | 620 |
| Pretax return on assets | 1.6719% | 1,055 |
| Return on Equity (ROE) | 16.6741% | 508 |
| Retained earnings to average equity (ytd only) | 7.1551% | 1,428 |
| Net charge-offs to loans | 0.0825% | 5,499 |
| Credit loss provision to net charge-offs | 444.4444% | 512 |
| Earnings coverage of net charge-offs (x) | 33.5278% | 772 |
| Efficiency ratio | 56.7073% | 6,228 |
| Assets per employee ($millions) | 4.2809% | 3,298 |
| Cash dividends to net income (ytd only)* | 57.0885% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4743% | 4,127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4469% | 5,846 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 66.3967% | 2,712 |
| Net loans and leases to deposits | 74.1045% | 3,486 |
| Net loans and leases to core deposits | 77.4862% | 3,752 |
| Total domestic deposits to total assets | 89.5988% | 1,203 |
| Equity capital to assets | 10.2361% | 3,868 |
| Core capital (leverage) ratio | 9.5885% | 3,890 |
| Tier 1 risk-based capital ratio | 13.3841% | 4,784 |
| Total risk-based capital ratio | 14.6349% | 4,757 |
| Memoranda: | ||
| Average total assets | $62,863,600 | 5,961 |
| Average earning assets | $58,241,000 | 5,923 |
| Average equity | $6,303,200 | 6,071 |
| Average total loans | $43,639,400 | 5,534 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4964% | 1,258 |
| Cost of funding earning assets | 1.0188% | 3,537 |
| Net interest margin | 4.4776% | 1,199 |
| Noninterest income to average assets | 0.3348% | 5,180 |
| Noninterest expense to average assets | 2.3627% | 5,875 |
| Loan and lease loss provision to assets | 0.3092% | 3,052 |
| Net operating income to assets | 1.8147% | 508 |
| Return on assets (ROA) | 1.8232% | 540 |
| Pretax return on assets | 1.8232% | 914 |
| Return on Equity (ROE) | 18.2812% | 433 |
| Retained earnings to average equity (ytd only) | 8.6596% | 1,260 |
| Net charge-offs to loans | 0.0030% | 6,155 |
| Credit loss provision to net charge-offs | 14,500.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 998.4737% | 28 |
| Efficiency ratio | 52.6616% | 6,622 |
| Assets per employee ($millions) | 4.3081% | 3,258 |
| Cash dividends to net income (ytd only)* | 52.6321% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4500% | 4,334 |
| Loan loss allowance to noncurrent loans | 32,900.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.4952% | 5,847 |
| Noncurrent loans to loans | 0.0044% | 6,961 |
| Net loans and leases to total assets | 69.2024% | 2,240 |
| Net loans and leases to deposits | 77.1008% | 3,152 |
| Net loans and leases to core deposits | 80.5693% | 3,554 |
| Total domestic deposits to total assets | 89.7558% | 1,008 |
| Equity capital to assets | 10.0786% | 4,238 |
| Core capital (leverage) ratio | 9.7384% | 3,792 |
| Tier 1 risk-based capital ratio | 12.9682% | 5,117 |
| Total risk-based capital ratio | 14.2202% | 5,089 |
| Memoranda: | ||
| Average total assets | $62,526,000 | 6,018 |
| Average earning assets | $57,975,750 | 5,979 |
| Average equity | $6,235,750 | 6,131 |
| Average total loans | $43,730,750 | 5,574 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5517% | 1,176 |
| Cost of funding earning assets | 1.0135% | 3,863 |
| Net interest margin | 4.5381% | 1,038 |
| Noninterest income to average assets | 0.3364% | 5,198 |
| Noninterest expense to average assets | 2.3064% | 6,108 |
| Loan and lease loss provision to assets | 0.0647% | 5,497 |
| Net operating income to assets | 2.1803% | 269 |
| Return on assets (ROA) | 2.2288% | 267 |
| Pretax return on assets | 2.2288% | 391 |
| Return on Equity (ROE) | 22.4308% | 218 |
| Retained earnings to average equity (ytd only) | 12.6641% | 427 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6752% | 6,896 |
| Assets per employee ($millions) | 4.2517% | 3,248 |
| Cash dividends to net income (ytd only)* | 43.5414% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 5,542 |
| Loan loss allowance to noncurrent loans | 2,321.7391% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.4594% | 6,004 |
| Noncurrent loans to loans | 0.0517% | 6,856 |
| Net loans and leases to total assets | 68.9204% | 2,432 |
| Net loans and leases to deposits | 76.7715% | 3,328 |
| Net loans and leases to core deposits | 80.6421% | 3,697 |
| Total domestic deposits to total assets | 89.7734% | 1,084 |
| Equity capital to assets | 10.0572% | 4,069 |
| Core capital (leverage) ratio | 9.8966% | 3,393 |
| Tier 1 risk-based capital ratio | 13.0125% | 4,904 |
| Total risk-based capital ratio | 14.1279% | 4,988 |
| Memoranda: | ||
| Average total assets | $61,827,330 | 6,084 |
| Average earning assets | $57,424,330 | 6,047 |
| Average equity | $6,143,330 | 6,190 |
| Average total loans | $43,181,670 | 5,653 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4984% | 1,304 |
| Cost of funding earning assets | 1.0138% | 4,095 |
| Net interest margin | 4.4846% | 1,104 |
| Noninterest income to average assets | 0.3484% | 5,119 |
| Noninterest expense to average assets | 2.4124% | 5,849 |
| Loan and lease loss provision to assets | 0.1315% | 4,355 |
| Net operating income to assets | 1.9917% | 352 |
| Return on assets (ROA) | 2.0903% | 318 |
| Pretax return on assets | 2.0903% | 480 |
| Return on Equity (ROE) | 21.1718% | 284 |
| Retained earnings to average equity (ytd only) | 11.1851% | 867 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1884% | 6,769 |
| Assets per employee ($millions) | 4.1169% | 3,601 |
| Cash dividends to net income (ytd only)* | 47.1698% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 5,514 |
| Loan loss allowance to noncurrent loans | 1,780.0000% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.7562% | 5,409 |
| Noncurrent loans to loans | 0.0686% | 6,866 |
| Net loans and leases to total assets | 69.9092% | 2,145 |
| Net loans and leases to deposits | 77.6694% | 3,118 |
| Net loans and leases to core deposits | 80.1883% | 3,722 |
| Total domestic deposits to total assets | 90.0086% | 1,145 |
| Equity capital to assets | 9.8392% | 3,977 |
| Core capital (leverage) ratio | 9.7580% | 3,437 |
| Tier 1 risk-based capital ratio | 12.7393% | 5,024 |
| Total risk-based capital ratio | 13.8714% | 5,125 |
| Memoranda: | ||
| Average total assets | $60,853,500 | 6,159 |
| Average earning assets | $56,816,500 | 6,107 |
| Average equity | $6,008,000 | 6,246 |
| Average total loans | $42,528,500 | 5,728 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6350% | 1,784 |
| Cost of funding earning assets | 1.3214% | 3,746 |
| Net interest margin | 4.3136% | 1,777 |
| Noninterest income to average assets | 0.3113% | 5,576 |
| Noninterest expense to average assets | 2.5219% | 5,712 |
| Loan and lease loss provision to assets | 0.1647% | 5,569 |
| Net operating income to assets | 1.6308% | 591 |
| Return on assets (ROA) | 1.6308% | 637 |
| Pretax return on assets | 1.6308% | 1,073 |
| Return on Equity (ROE) | 17.0449% | 473 |
| Retained earnings to average equity (ytd only) | 6.6802% | 1,464 |
| Net charge-offs to loans | 0.2244% | 4,942 |
| Credit loss provision to net charge-offs | 108.6957% | 4,061 |
| Earnings coverage of net charge-offs (x) | 11.8478% | 1,564 |
| Efficiency ratio | 58.4128% | 6,289 |
| Assets per employee ($millions) | 3.9969% | 3,792 |
| Cash dividends to net income (ytd only)* | 60.8081% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 5,307 |
| Loan loss allowance to noncurrent loans | 234.7032% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.8790% | 5,257 |
| Noncurrent loans to loans | 0.5296% | 5,989 |
| Net loans and leases to total assets | 68.1156% | 2,961 |
| Net loans and leases to deposits | 75.7775% | 3,877 |
| Net loans and leases to core deposits | 77.9336% | 4,466 |
| Total domestic deposits to total assets | 89.8889% | 1,169 |
| Equity capital to assets | 9.9076% | 3,870 |
| Core capital (leverage) ratio | 9.3426% | 3,938 |
| Tier 1 risk-based capital ratio | 12.9354% | 4,649 |
| Total risk-based capital ratio | 14.0737% | 4,721 |
| Memoranda: | ||
| Average total assets | $60,708,000 | 6,166 |
| Average earning assets | $56,380,200 | 6,122 |
| Average equity | $5,808,200 | 6,425 |
| Average total loans | $40,992,800 | 5,884 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6160% | 2,007 |
| Cost of funding earning assets | 1.3881% | 3,647 |
| Net interest margin | 4.2280% | 2,111 |
| Noninterest income to average assets | 0.3219% | 5,579 |
| Noninterest expense to average assets | 2.3996% | 6,037 |
| Loan and lease loss provision to assets | 0.2189% | 4,876 |
| Net operating income to assets | 1.6180% | 723 |
| Return on assets (ROA) | 1.6180% | 789 |
| Pretax return on assets | 1.6180% | 1,299 |
| Return on Equity (ROE) | 17.0609% | 580 |
| Retained earnings to average equity (ytd only) | 7.8263% | 1,479 |
| Net charge-offs to loans | 0.0359% | 6,203 |
| Credit loss provision to net charge-offs | 909.0909% | 320 |
| Earnings coverage of net charge-offs (x) | 76.2536% | 399 |
| Efficiency ratio | 56.6408% | 6,469 |
| Assets per employee ($millions) | 4.0757% | 3,689 |
| Cash dividends to net income (ytd only)* | 54.1271% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4356% | 4,282 |
| Loan loss allowance to noncurrent loans | 311.5183% | 941 |
| Noncurrent assets plus other real estate owned to assets | 1.7012% | 3,894 |
| Noncurrent loans to loans | 0.4609% | 6,266 |
| Net loans and leases to total assets | 66.8193% | 3,507 |
| Net loans and leases to deposits | 74.3335% | 4,450 |
| Net loans and leases to core deposits | 76.7785% | 4,953 |
| Total domestic deposits to total assets | 89.8912% | 935 |
| Equity capital to assets | 9.9027% | 4,286 |
| Core capital (leverage) ratio | 9.5521% | 3,825 |
| Tier 1 risk-based capital ratio | 12.6726% | 4,841 |
| Total risk-based capital ratio | 13.9241% | 4,821 |
| Memoranda: | ||
| Average total assets | $60,896,500 | 6,236 |
| Average earning assets | $56,384,750 | 6,188 |
| Average equity | $5,775,250 | 6,519 |
| Average total loans | $40,903,000 | 5,966 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6378% | 1,992 |
| Cost of funding earning assets | 1.4431% | 3,598 |
| Net interest margin | 4.1946% | 2,171 |
| Noninterest income to average assets | 0.3223% | 5,579 |
| Noninterest expense to average assets | 2.2231% | 6,594 |
| Loan and lease loss provision to assets | 0.3289% | 3,771 |
| Net operating income to assets | 1.6607% | 637 |
| Return on assets (ROA) | 1.6607% | 684 |
| Pretax return on assets | 1.6607% | 1,143 |
| Return on Equity (ROE) | 17.7744% | 487 |
| Retained earnings to average equity (ytd only) | 8.9752% | 1,115 |
| Net charge-offs to loans | 0.0688% | 5,453 |
| Credit loss provision to net charge-offs | 714.2857% | 526 |
| Earnings coverage of net charge-offs (x) | 43.2143% | 683 |
| Efficiency ratio | 52.7713% | 7,004 |
| Assets per employee ($millions) | 4.0261% | 3,725 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4727% | 4,052 |
| Loan loss allowance to noncurrent loans | 221.7228% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 1.8430% | 3,705 |
| Noncurrent loans to loans | 0.6642% | 5,923 |
| Net loans and leases to total assets | 65.5815% | 3,920 |
| Net loans and leases to deposits | 72.8078% | 4,875 |
| Net loans and leases to core deposits | 75.2279% | 5,292 |
| Total domestic deposits to total assets | 90.0748% | 889 |
| Equity capital to assets | 9.6668% | 4,439 |
| Core capital (leverage) ratio | 9.3757% | 4,004 |
| Tier 1 risk-based capital ratio | 12.9451% | 4,496 |
| Total risk-based capital ratio | 14.1969% | 4,446 |
| Memoranda: | ||
| Average total assets | $60,817,000 | 6,273 |
| Average earning assets | $56,405,330 | 6,226 |
| Average equity | $5,682,330 | 6,565 |
| Average total loans | $40,722,330 | 6,020 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4905% | 2,633 |
| Cost of funding earning assets | 1.4910% | 3,615 |
| Net interest margin | 3.9995% | 2,875 |
| Noninterest income to average assets | 0.3212% | 5,580 |
| Noninterest expense to average assets | 2.2809% | 6,439 |
| Loan and lease loss provision to assets | 0.3277% | 3,437 |
| Net operating income to assets | 1.4223% | 1,031 |
| Return on assets (ROA) | 1.4223% | 1,101 |
| Pretax return on assets | 1.4223% | 1,713 |
| Return on Equity (ROE) | 15.4876% | 804 |
| Retained earnings to average equity (ytd only) | 8.3504% | 1,574 |
| Net charge-offs to loans | 0.1366% | 4,128 |
| Credit loss provision to net charge-offs | 357.1429% | 1,135 |
| Earnings coverage of net charge-offs (x) | 19.0714% | 1,214 |
| Efficiency ratio | 56.5854% | 6,683 |
| Assets per employee ($millions) | 3.8609% | 4,178 |
| Cash dividends to net income (ytd only)* | 46.0829% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3088% | 4,884 |
| Loan loss allowance to noncurrent loans | 71.2221% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 1.4310% | 4,362 |
| Noncurrent loans to loans | 1.8377% | 4,012 |
| Net loans and leases to total assets | 66.1589% | 3,816 |
| Net loans and leases to deposits | 72.9895% | 4,909 |
| Net loans and leases to core deposits | 75.3360% | 5,353 |
| Total domestic deposits to total assets | 90.6417% | 678 |
| Equity capital to assets | 9.1301% | 5,089 |
| Core capital (leverage) ratio | 9.1574% | 4,287 |
| Tier 1 risk-based capital ratio | 12.6158% | 4,629 |
| Total risk-based capital ratio | 13.8434% | 4,615 |
| Memoranda: | ||
| Average total assets | $61,029,500 | 6,349 |
| Average earning assets | $56,607,000 | 6,295 |
| Average equity | $5,604,500 | 6,643 |
| Average total loans | $40,984,500 | 6,078 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3614% | 905 |
| Cost of funding earning assets | 2.0605% | 2,680 |
| Net interest margin | 4.3009% | 1,715 |
| Noninterest income to average assets | 0.3994% | 5,207 |
| Noninterest expense to average assets | 2.6764% | 5,496 |
| Loan and lease loss provision to assets | 0.1226% | 6,412 |
| Net operating income to assets | 1.5817% | 568 |
| Return on assets (ROA) | 1.5817% | 607 |
| Pretax return on assets | 1.5817% | 998 |
| Return on Equity (ROE) | 16.8489% | 467 |
| Retained earnings to average equity (ytd only) | 8.4524% | 598 |
| Net charge-offs to loans | 0.0098% | 7,096 |
| Credit loss provision to net charge-offs | 1,750.0000% | 179 |
| Earnings coverage of net charge-offs (x) | 243.2500% | 114 |
| Efficiency ratio | 61.0956% | 6,319 |
| Assets per employee ($millions) | 3.7678% | 4,360 |
| Cash dividends to net income (ytd only)* | 49.8339% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 5,073 |
| Loan loss allowance to noncurrent loans | 205.6911% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.5706% | 6,037 |
| Noncurrent loans to loans | 0.6065% | 6,027 |
| Net loans and leases to total assets | 66.4378% | 4,049 |
| Net loans and leases to deposits | 73.4589% | 5,124 |
| Net loans and leases to core deposits | 89.6961% | 5,166 |
| Total domestic deposits to total assets | 90.4421% | 764 |
| Equity capital to assets | 9.2378% | 4,790 |
| Core capital (leverage) ratio | 9.0511% | 4,342 |
| Tier 1 risk-based capital ratio | 12.3452% | 4,642 |
| Total risk-based capital ratio | 13.4908% | 4,695 |
| Memoranda: | ||
| Average total assets | $57,091,200 | 6,460 |
| Average earning assets | $52,850,000 | 6,419 |
| Average equity | $5,359,400 | 6,819 |
| Average total loans | $41,010,800 | 6,055 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4234% | 881 |
| Cost of funding earning assets | 2.1590% | 2,606 |
| Net interest margin | 4.2644% | 1,826 |
| Noninterest income to average assets | 0.4240% | 5,105 |
| Noninterest expense to average assets | 2.5367% | 5,948 |
| Loan and lease loss provision to assets | 0.0237% | 7,119 |
| Net operating income to assets | 1.8261% | 416 |
| Return on assets (ROA) | 1.8261% | 442 |
| Pretax return on assets | 1.8261% | 760 |
| Return on Equity (ROE) | 19.3701% | 347 |
| Retained earnings to average equity (ytd only) | 12.3356% | 317 |
| Net charge-offs to loans | 0.0097% | 6,804 |
| Credit loss provision to net charge-offs | 333.3333% | 1,233 |
| Earnings coverage of net charge-offs (x) | 260.3275% | 144 |
| Efficiency ratio | 57.8294% | 6,741 |
| Assets per employee ($millions) | 3.6662% | 4,503 |
| Cash dividends to net income (ytd only)* | 36.3162% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 5,956 |
| Loan loss allowance to noncurrent loans | 213.8756% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.6529% | 5,827 |
| Noncurrent loans to loans | 0.4962% | 6,321 |
| Net loans and leases to total assets | 71.0394% | 3,263 |
| Net loans and leases to deposits | 78.9014% | 4,577 |
| Net loans and leases to core deposits | 97.0764% | 4,695 |
| Total domestic deposits to total assets | 90.0356% | 757 |
| Equity capital to assets | 9.6336% | 4,578 |
| Core capital (leverage) ratio | 9.4782% | 3,940 |
| Tier 1 risk-based capital ratio | 12.2428% | 4,754 |
| Total risk-based capital ratio | 13.2394% | 4,925 |
| Memoranda: | ||
| Average total assets | $56,292,750 | 6,532 |
| Average earning assets | $52,307,750 | 6,487 |
| Average equity | $5,307,000 | 6,902 |
| Average total loans | $41,124,000 | 6,100 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4936% | 835 |
| Cost of funding earning assets | 2.2597% | 2,530 |
| Net interest margin | 4.2340% | 1,866 |
| Noninterest income to average assets | 0.3027% | 6,099 |
| Noninterest expense to average assets | 2.4611% | 6,257 |
| Loan and lease loss provision to assets | 0.0360% | 6,882 |
| Net operating income to assets | 1.7080% | 557 |
| Return on assets (ROA) | 1.7080% | 604 |
| Pretax return on assets | 1.7080% | 999 |
| Return on Equity (ROE) | 18.2577% | 468 |
| Retained earnings to average equity (ytd only) | 11.3244% | 515 |
| Net charge-offs to loans | 0.0147% | 6,330 |
| Credit loss provision to net charge-offs | 333.3333% | 1,387 |
| Earnings coverage of net charge-offs (x) | 161.3333% | 256 |
| Efficiency ratio | 58.5261% | 6,765 |
| Assets per employee ($millions) | 3.5419% | 4,705 |
| Cash dividends to net income (ytd only)* | 37.9747% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 5,816 |
| Loan loss allowance to noncurrent loans | 798.2143% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 6,730 |
| Noncurrent loans to loans | 0.1333% | 7,182 |
| Net loans and leases to total assets | 73.3245% | 2,878 |
| Net loans and leases to deposits | 81.3696% | 4,328 |
| Net loans and leases to core deposits | 99.7695% | 4,531 |
| Total domestic deposits to total assets | 90.1129% | 781 |
| Equity capital to assets | 9.4565% | 4,667 |
| Core capital (leverage) ratio | 9.2578% | 4,224 |
| Tier 1 risk-based capital ratio | 11.8819% | 5,014 |
| Total risk-based capital ratio | 12.8852% | 5,192 |
| Memoranda: | ||
| Average total assets | $55,504,000 | 6,617 |
| Average earning assets | $51,157,670 | 6,588 |
| Average equity | $5,192,330 | 6,998 |
| Average total loans | $40,792,670 | 6,168 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3865% | 1,093 |
| Cost of funding earning assets | 2.3396% | 2,544 |
| Net interest margin | 4.0469% | 2,466 |
| Noninterest income to average assets | 0.2986% | 6,047 |
| Noninterest expense to average assets | 2.6802% | 5,101 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3474% | 1,268 |
| Return on assets (ROA) | 1.3474% | 1,362 |
| Pretax return on assets | 1.3474% | 2,125 |
| Return on Equity (ROE) | 14.4842% | 1,073 |
| Retained earnings to average equity (ytd only) | 8.2208% | 1,734 |
| Net charge-offs to loans | -0.0199% | 7,438 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5461% | 5,222 |
| Assets per employee ($millions) | 3.5563% | 4,681 |
| Cash dividends to net income (ytd only)* | 43.2432% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0891% | 5,550 |
| Loan loss allowance to noncurrent loans | 701.5873% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.2847% | 6,659 |
| Noncurrent loans to loans | 0.1552% | 7,079 |
| Net loans and leases to total assets | 70.5483% | 3,566 |
| Net loans and leases to deposits | 77.9244% | 4,934 |
| Net loans and leases to core deposits | 95.0219% | 5,060 |
| Total domestic deposits to total assets | 90.5343% | 575 |
| Equity capital to assets | 9.1019% | 5,224 |
| Core capital (leverage) ratio | 9.1850% | 4,431 |
| Tier 1 risk-based capital ratio | 11.5865% | 5,325 |
| Total risk-based capital ratio | 12.5897% | 5,468 |
| Memoranda: | ||
| Average total assets | $54,921,000 | 6,673 |
| Average earning assets | $50,607,000 | 6,633 |
| Average equity | $5,109,000 | 7,072 |
| Average total loans | $40,189,000 | 6,232 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8842% | 1,447 |
| Cost of funding earning assets | 3.0260% | 1,778 |
| Net interest margin | 3.8582% | 3,757 |
| Noninterest income to average assets | 0.3921% | 5,541 |
| Noninterest expense to average assets | 2.6544% | 5,429 |
| Loan and lease loss provision to assets | 0.1376% | 5,599 |
| Net operating income to assets | 1.2009% | 1,763 |
| Return on assets (ROA) | 1.2009% | 1,697 |
| Pretax return on assets | 1.2009% | 2,635 |
| Return on Equity (ROE) | 13.1092% | 1,304 |
| Retained earnings to average equity (ytd only) | 6.1121% | 1,478 |
| Net charge-offs to loans | 0.1525% | 4,678 |
| Credit loss provision to net charge-offs | 123.7288% | 4,332 |
| Earnings coverage of net charge-offs (x) | 12.0339% | 2,301 |
| Efficiency ratio | 66.4778% | 5,025 |
| Assets per employee ($millions) | 3.3089% | 5,193 |
| Cash dividends to net income (ytd only)* | 53.3752% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 5,231 |
| Loan loss allowance to noncurrent loans | 280.2548% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.4835% | 5,764 |
| Noncurrent loans to loans | 0.3945% | 6,159 |
| Net loans and leases to total assets | 74.3342% | 3,026 |
| Net loans and leases to deposits | 82.5464% | 4,644 |
| Net loans and leases to core deposits | 99.4114% | 4,881 |
| Total domestic deposits to total assets | 90.0514% | 632 |
| Equity capital to assets | 9.5180% | 4,661 |
| Core capital (leverage) ratio | 9.2163% | 4,417 |
| Tier 1 risk-based capital ratio | 11.7071% | 5,052 |
| Total risk-based capital ratio | 12.7374% | 5,141 |
| Memoranda: | ||
| Average total assets | $53,044,000 | 6,659 |
| Average earning assets | $49,504,800 | 6,614 |
| Average equity | $4,859,200 | 7,193 |
| Average total loans | $38,681,000 | 6,237 |