Home > Mid-America Bank > Performance and Condition Ratios
Mid-America Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1832% | 508 |
| Cost of funding earning assets | 2.6835% | 258 |
| Net interest margin | 3.4997% | 2,180 |
| Noninterest income to average assets | 0.9000% | 766 |
| Noninterest expense to average assets | 2.0662% | 3,483 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.5298% | 966 |
| Return on assets (ROA) | 1.5298% | 937 |
| Pretax return on assets | 1.9828% | 693 |
| Return on Equity (ROE) | 15.1700% | 1,254 |
| Retained earnings to average equity (ytd only) | 11.8115% | 654 |
| Net charge-offs to loans | 0.0370% | 1,567 |
| Credit loss provision to net charge-offs | 271.1864% | 1,014 |
| Earnings coverage of net charge-offs (x) | 68.1864% | 1,109 |
| Efficiency ratio | 50.0155% | 3,981 |
| Assets per employee ($millions) | 8.3326% | 1,262 |
| Cash dividends to net income (ytd only)* | 22.1439% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 1,535 |
| 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 | 78.9000% | 772 |
| Net loans and leases to deposits | 118.4858% | 94 |
| Net loans and leases to core deposits | 136.4875% | 309 |
| Total domestic deposits to total assets | 66.5900% | 4,367 |
| Equity capital to assets | 10.3295% | 1,829 |
| Core capital (leverage) ratio | 10.0226% | 2,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1416% | 1,821 |
| Memoranda: | ||
| Average total assets | $389,658,000 | 2,048 |
| Average earning assets | $359,489,000 | 2,047 |
| Average equity | $39,292,200 | 1,909 |
| Average total loans | $318,703,800 | 1,727 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9863% | 541 |
| Cost of funding earning assets | 2.5595% | 249 |
| Net interest margin | 3.4268% | 2,403 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 1.9729% | 3,659 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.5608% | 1,002 |
| Return on assets (ROA) | 1.5608% | 997 |
| Pretax return on assets | 2.0852% | 675 |
| Return on Equity (ROE) | 15.5800% | 1,330 |
| Retained earnings to average equity (ytd only) | 13.4707% | 750 |
| Net charge-offs to loans | 0.0493% | 1,185 |
| Credit loss provision to net charge-offs | 269.2308% | 947 |
| Earnings coverage of net charge-offs (x) | 54.1538% | 1,266 |
| Efficiency ratio | 47.3448% | 4,074 |
| Assets per employee ($millions) | 8.1085% | 1,292 |
| Cash dividends to net income (ytd only)* | 13.5345% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3825% | 1,519 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 78.2400% | 852 |
| Net loans and leases to deposits | 116.4283% | 105 |
| Net loans and leases to core deposits | 133.8259% | 295 |
| Total domestic deposits to total assets | 67.2000% | 4,384 |
| Equity capital to assets | 10.0433% | 1,810 |
| Core capital (leverage) ratio | 9.9878% | 2,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1118% | 1,851 |
| Memoranda: | ||
| Average total assets | $384,998,250 | 2,058 |
| Average earning assets | $355,268,250 | 2,067 |
| Average equity | $38,571,500 | 1,916 |
| Average total loans | $316,727,750 | 1,734 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7097% | 627 |
| Cost of funding earning assets | 2.3762% | 235 |
| Net interest margin | 3.3335% | 2,676 |
| Noninterest income to average assets | 0.9600% | 608 |
| Noninterest expense to average assets | 1.9741% | 3,649 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.4173% | 1,289 |
| Return on assets (ROA) | 1.4173% | 1,272 |
| Pretax return on assets | 1.9461% | 812 |
| Return on Equity (ROE) | 14.1600% | 1,644 |
| Retained earnings to average equity (ytd only) | 12.0456% | 980 |
| Net charge-offs to loans | 0.0743% | 830 |
| Credit loss provision to net charge-offs | 179.4872% | 1,094 |
| Earnings coverage of net charge-offs (x) | 33.2479% | 1,502 |
| Efficiency ratio | 48.9702% | 3,999 |
| Assets per employee ($millions) | 8.2442% | 1,211 |
| Cash dividends to net income (ytd only)* | 14.9254% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3493% | 1,717 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 77.0100% | 942 |
| Net loans and leases to deposits | 115.0787% | 131 |
| Net loans and leases to core deposits | 133.7609% | 280 |
| Total domestic deposits to total assets | 66.9200% | 4,425 |
| Equity capital to assets | 9.4859% | 2,167 |
| Core capital (leverage) ratio | 10.0780% | 2,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5929% | 2,061 |
| Memoranda: | ||
| Average total assets | $378,190,000 | 2,086 |
| Average earning assets | $348,877,667 | 2,104 |
| Average equity | $37,856,000 | 1,945 |
| Average total loans | $315,082,333 | 1,725 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5703% | 559 |
| Cost of funding earning assets | 2.2212% | 186 |
| Net interest margin | 3.3492% | 2,755 |
| Noninterest income to average assets | 0.7700% | 918 |
| Noninterest expense to average assets | 2.0544% | 3,485 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.1330% | 2,120 |
| Return on assets (ROA) | 1.1330% | 2,087 |
| Pretax return on assets | 1.6856% | 1,299 |
| Return on Equity (ROE) | 10.9900% | 2,491 |
| Retained earnings to average equity (ytd only) | 8.8416% | 1,994 |
| Net charge-offs to loans | 0.0090% | 1,608 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 232.4286% | 459 |
| Efficiency ratio | 53.2740% | 3,678 |
| Assets per employee ($millions) | 7.1697% | 1,841 |
| Cash dividends to net income (ytd only)* | 19.5503% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3719% | 1,729 |
| Loan loss allowance to noncurrent loans | 1,788.8889% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 3,142 |
| Noncurrent loans to loans | 0.0767% | 3,190 |
| Net loans and leases to total assets | 83.8200% | 251 |
| Net loans and leases to deposits | 111.6609% | 160 |
| Net loans and leases to core deposits | 134.9559% | 229 |
| Total domestic deposits to total assets | 75.0700% | 4,218 |
| Equity capital to assets | 10.0970% | 1,769 |
| Core capital (leverage) ratio | 10.3269% | 2,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6664% | 2,108 |
| Memoranda: | ||
| Average total assets | $361,179,500 | 2,193 |
| Average earning assets | $332,620,000 | 2,201 |
| Average equity | $37,233,000 | 1,998 |
| Average total loans | $311,724,500 | 1,750 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9320% | 347 |
| Cost of funding earning assets | 1.2248% | 65 |
| Net interest margin | 3.7072% | 1,360 |
| Noninterest income to average assets | 1.4800% | 351 |
| Noninterest expense to average assets | 2.4224% | 2,355 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.8871% | 363 |
| Return on assets (ROA) | 1.8871% | 351 |
| Pretax return on assets | 2.3167% | 262 |
| Return on Equity (ROE) | 17.7700% | 739 |
| Retained earnings to average equity (ytd only) | 13.8860% | 403 |
| Net charge-offs to loans | 0.0004% | 2,600 |
| Credit loss provision to net charge-offs | 42,000.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 8,002.0000% | 16 |
| Efficiency ratio | 49.7677% | 4,142 |
| Assets per employee ($millions) | 6.9907% | 1,984 |
| Cash dividends to net income (ytd only)* | 21.8588% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3859% | 1,545 |
| Loan loss allowance to noncurrent loans | 3,319.5313% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 3,433 |
| Noncurrent loans to loans | 0.0417% | 3,467 |
| Net loans and leases to total assets | 86.5000% | 128 |
| Net loans and leases to deposits | 115.0574% | 106 |
| Net loans and leases to core deposits | 138.7535% | 153 |
| Total domestic deposits to total assets | 75.1800% | 4,304 |
| Equity capital to assets | 10.5346% | 1,438 |
| Core capital (leverage) ratio | 10.4809% | 2,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9182% | 2,005 |
| Memoranda: | ||
| Average total assets | $327,274,400 | 2,310 |
| Average earning assets | $299,227,600 | 2,341 |
| Average equity | $34,754,400 | 2,121 |
| Average total loans | $275,672,000 | 1,837 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7670% | 302 |
| Cost of funding earning assets | 1.0119% | 61 |
| Net interest margin | 3.7551% | 1,025 |
| Noninterest income to average assets | 1.7000% | 316 |
| Noninterest expense to average assets | 2.3901% | 2,373 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 2.0875% | 253 |
| Return on assets (ROA) | 2.0875% | 253 |
| Pretax return on assets | 2.6164% | 190 |
| Return on Equity (ROE) | 19.6200% | 469 |
| Retained earnings to average equity (ytd only) | 17.2789% | 195 |
| Net charge-offs to loans | -0.0010% | 3,180 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 46.5268% | 4,349 |
| Assets per employee ($millions) | 6.4818% | 2,337 |
| Cash dividends to net income (ytd only)* | 11.9119% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4134% | 1,565 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 85.8200% | 131 |
| Net loans and leases to deposits | 111.0669% | 116 |
| Net loans and leases to core deposits | 130.6066% | 145 |
| Total domestic deposits to total assets | 77.2700% | 4,307 |
| Equity capital to assets | 10.8090% | 1,249 |
| Core capital (leverage) ratio | 10.8328% | 1,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7539% | 2,149 |
| Memoranda: | ||
| Average total assets | $321,709,250 | 2,361 |
| Average earning assets | $294,101,000 | 2,385 |
| Average equity | $34,237,500 | 2,177 |
| Average total loans | $267,942,500 | 1,864 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5993% | 308 |
| Cost of funding earning assets | 0.9069% | 57 |
| Net interest margin | 3.6924% | 923 |
| Noninterest income to average assets | 1.9312% | 243 |
| Noninterest expense to average assets | 2.4031% | 2,217 |
| Loan and lease loss provision to assets | 0.1327% | 723 |
| Net operating income to assets | 2.2432% | 151 |
| Return on assets (ROA) | 2.2432% | 151 |
| Pretax return on assets | 2.7853% | 128 |
| Return on Equity (ROE) | 21.1962% | 231 |
| Retained earnings to average equity (ytd only) | 18.8086% | 98 |
| Net charge-offs to loans | -0.0023% | 3,161 |
| Credit loss provision to net charge-offs | -7,000.0000% | 3,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1621% | 4,489 |
| Assets per employee ($millions) | 6.0041% | 2,740 |
| Cash dividends to net income (ytd only)* | 11.2644% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4603% | 1,517 |
| Loan loss allowance to noncurrent loans | 1,116.8508% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.1117% | 2,927 |
| Noncurrent loans to loans | 0.1308% | 3,063 |
| Net loans and leases to total assets | 84.1435% | 183 |
| Net loans and leases to deposits | 107.0015% | 118 |
| Net loans and leases to core deposits | 121.7433% | 185 |
| Total domestic deposits to total assets | 78.6377% | 4,316 |
| Equity capital to assets | 10.8401% | 1,291 |
| Core capital (leverage) ratio | 10.7405% | 1,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7666% | 2,175 |
| Memoranda: | ||
| Average total assets | $316,594,667 | 2,397 |
| Average earning assets | $290,650,000 | 2,429 |
| Average equity | $33,506,000 | 2,256 |
| Average total loans | $259,455,333 | 1,900 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4092% | 370 |
| Cost of funding earning assets | 0.8810% | 60 |
| Net interest margin | 3.5282% | 1,032 |
| Noninterest income to average assets | 1.8415% | 272 |
| Noninterest expense to average assets | 2.4516% | 2,013 |
| Loan and lease loss provision to assets | 0.1343% | 605 |
| Net operating income to assets | 2.0231% | 213 |
| Return on assets (ROA) | 2.0231% | 211 |
| Pretax return on assets | 2.5027% | 186 |
| Return on Equity (ROE) | 19.3600% | 255 |
| Retained earnings to average equity (ytd only) | 16.9124% | 186 |
| Net charge-offs to loans | -0.0032% | 3,208 |
| Credit loss provision to net charge-offs | -5,250.0000% | 3,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1779% | 4,394 |
| Assets per employee ($millions) | 5.6059% | 3,228 |
| Cash dividends to net income (ytd only)* | 12.6422% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5326% | 1,452 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 79.1605% | 281 |
| Net loans and leases to deposits | 100.4113% | 165 |
| Net loans and leases to core deposits | 113.5335% | 195 |
| Total domestic deposits to total assets | 78.8363% | 4,356 |
| Equity capital to assets | 10.4454% | 1,611 |
| Core capital (leverage) ratio | 10.6164% | 1,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1338% | 2,144 |
| Memoranda: | ||
| Average total assets | $312,781,500 | 2,431 |
| Average earning assets | $287,852,500 | 2,456 |
| Average equity | $32,686,000 | 2,348 |
| Average total loans | $250,756,000 | 1,931 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5463% | 558 |
| Cost of funding earning assets | 1.0747% | 51 |
| Net interest margin | 3.4716% | 1,825 |
| Noninterest income to average assets | 2.1862% | 271 |
| Noninterest expense to average assets | 2.5617% | 1,985 |
| Loan and lease loss provision to assets | 0.0927% | 1,344 |
| Net operating income to assets | 2.2495% | 225 |
| Return on assets (ROA) | 2.2495% | 234 |
| Pretax return on assets | 2.7160% | 194 |
| Return on Equity (ROE) | 22.9530% | 178 |
| Retained earnings to average equity (ytd only) | 18.5948% | 83 |
| Net charge-offs to loans | -0.0009% | 3,274 |
| Credit loss provision to net charge-offs | -14,000.0000% | 4,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7004% | 4,423 |
| Assets per employee ($millions) | 5.4648% | 3,292 |
| Cash dividends to net income (ytd only)* | 18.9873% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5656% | 1,345 |
| Loan loss allowance to noncurrent loans | 791.3223% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.1582% | 2,836 |
| Noncurrent loans to loans | 0.1979% | 2,957 |
| Net loans and leases to total assets | 78.6855% | 341 |
| Net loans and leases to deposits | 100.4283% | 188 |
| Net loans and leases to core deposits | 112.4032% | 255 |
| Total domestic deposits to total assets | 78.3499% | 4,359 |
| Equity capital to assets | 10.4550% | 2,217 |
| Core capital (leverage) ratio | 10.1715% | 2,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1683% | 2,176 |
| Memoranda: | ||
| Average total assets | $302,028,200 | 2,430 |
| Average earning assets | $277,015,600 | 2,450 |
| Average equity | $29,599,600 | 2,562 |
| Average total loans | $220,989,800 | 2,093 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5501% | 615 |
| Cost of funding earning assets | 1.1203% | 51 |
| Net interest margin | 3.4298% | 2,074 |
| Noninterest income to average assets | 2.2283% | 287 |
| Noninterest expense to average assets | 2.4201% | 2,374 |
| Loan and lease loss provision to assets | 0.1239% | 944 |
| Net operating income to assets | 2.2403% | 297 |
| Return on assets (ROA) | 2.2403% | 315 |
| Pretax return on assets | 2.8302% | 221 |
| Return on Equity (ROE) | 23.2540% | 242 |
| Retained earnings to average equity (ytd only) | 20.7714% | 111 |
| Net charge-offs to loans | -0.0012% | 3,147 |
| Credit loss provision to net charge-offs | -14,000.0000% | 4,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0305% | 4,541 |
| Assets per employee ($millions) | 5.5676% | 3,126 |
| Cash dividends to net income (ytd only)* | 10.6762% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6391% | 1,246 |
| Loan loss allowance to noncurrent loans | 2,992.1875% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 3,885 |
| Noncurrent loans to loans | 0.0548% | 3,833 |
| Net loans and leases to total assets | 73.7164% | 716 |
| Net loans and leases to deposits | 93.5773% | 428 |
| Net loans and leases to core deposits | 104.5635% | 441 |
| Total domestic deposits to total assets | 78.7760% | 4,352 |
| Equity capital to assets | 9.9455% | 2,953 |
| Core capital (leverage) ratio | 9.9394% | 2,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5916% | 2,130 |
| Memoranda: | ||
| Average total assets | $301,028,750 | 2,454 |
| Average earning assets | $276,120,500 | 2,474 |
| Average equity | $29,000,750 | 2,623 |
| Average total loans | $215,080,250 | 2,169 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6696% | 559 |
| Cost of funding earning assets | 1.1742% | 47 |
| Net interest margin | 3.4954% | 1,868 |
| Noninterest income to average assets | 2.4973% | 244 |
| Noninterest expense to average assets | 2.3991% | 2,467 |
| Loan and lease loss provision to assets | 0.1412% | 862 |
| Net operating income to assets | 2.5376% | 208 |
| Return on assets (ROA) | 2.5376% | 224 |
| Pretax return on assets | 3.1556% | 157 |
| Return on Equity (ROE) | 26.6419% | 158 |
| Retained earnings to average equity (ytd only) | 24.2417% | 81 |
| Net charge-offs to loans | -0.0010% | 3,083 |
| Credit loss provision to net charge-offs | -21,000.0000% | 4,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1202% | 4,694 |
| Assets per employee ($millions) | 5.7563% | 2,840 |
| Cash dividends to net income (ytd only)* | 9.0090% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6962% | 1,068 |
| Loan loss allowance to noncurrent loans | 2,913.9535% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.4018% | 2,000 |
| Noncurrent loans to loans | 0.0582% | 3,888 |
| Net loans and leases to total assets | 70.0871% | 1,187 |
| Net loans and leases to deposits | 88.7535% | 736 |
| Net loans and leases to core deposits | 100.7632% | 637 |
| Total domestic deposits to total assets | 78.9682% | 4,347 |
| Equity capital to assets | 9.6272% | 3,221 |
| Core capital (leverage) ratio | 9.6692% | 2,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4054% | 2,205 |
| Memoranda: | ||
| Average total assets | $297,442,333 | 2,464 |
| Average earning assets | $272,184,667 | 2,493 |
| Average equity | $28,331,333 | 2,648 |
| Average total loans | $208,884,000 | 2,219 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8424% | 460 |
| Cost of funding earning assets | 1.2189% | 52 |
| Net interest margin | 3.6235% | 1,523 |
| Noninterest income to average assets | 3.1065% | 193 |
| Noninterest expense to average assets | 2.5645% | 1,977 |
| Loan and lease loss provision to assets | 0.1445% | 919 |
| Net operating income to assets | 3.0625% | 145 |
| Return on assets (ROA) | 3.0625% | 161 |
| Pretax return on assets | 3.7022% | 123 |
| Return on Equity (ROE) | 32.3376% | 106 |
| Retained earnings to average equity (ytd only) | 30.3038% | 76 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0000% | 4,742 |
| Assets per employee ($millions) | 5.8952% | 2,703 |
| Cash dividends to net income (ytd only)* | 6.2893% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7863% | 896 |
| Loan loss allowance to noncurrent loans | 386.5608% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.6868% | 1,367 |
| Noncurrent loans to loans | 0.4621% | 2,467 |
| Net loans and leases to total assets | 66.8043% | 1,685 |
| Net loans and leases to deposits | 85.0426% | 1,043 |
| Net loans and leases to core deposits | 96.5388% | 861 |
| Total domestic deposits to total assets | 78.5539% | 4,376 |
| Equity capital to assets | 9.5052% | 3,202 |
| Core capital (leverage) ratio | 9.7273% | 2,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8283% | 1,954 |
| Memoranda: | ||
| Average total assets | $290,744,000 | 2,483 |
| Average earning assets | $265,158,500 | 2,519 |
| Average equity | $27,534,500 | 2,697 |
| Average total loans | $202,517,500 | 2,268 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1275% | 385 |
| Cost of funding earning assets | 1.4820% | 90 |
| Net interest margin | 3.6455% | 1,992 |
| Noninterest income to average assets | 2.0452% | 318 |
| Noninterest expense to average assets | 2.8762% | 1,747 |
| Loan and lease loss provision to assets | 0.2569% | 1,512 |
| Net operating income to assets | 1.6927% | 506 |
| Return on assets (ROA) | 1.6927% | 549 |
| Pretax return on assets | 2.2256% | 287 |
| Return on Equity (ROE) | 18.5688% | 297 |
| Retained earnings to average equity (ytd only) | 15.8538% | 120 |
| Net charge-offs to loans | -0.0005% | 3,905 |
| Credit loss provision to net charge-offs | -68,500.0000% | 4,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6739% | 4,244 |
| Assets per employee ($millions) | 5.2006% | 3,156 |
| Cash dividends to net income (ytd only)* | 14.6212% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7693% | 910 |
| Loan loss allowance to noncurrent loans | 1,304.4118% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.6267% | 1,681 |
| Noncurrent loans to loans | 0.1356% | 3,741 |
| Net loans and leases to total assets | 70.1426% | 1,545 |
| Net loans and leases to deposits | 89.7482% | 943 |
| Net loans and leases to core deposits | 102.2555% | 801 |
| Total domestic deposits to total assets | 78.1549% | 4,302 |
| Equity capital to assets | 9.4330% | 3,677 |
| Core capital (leverage) ratio | 9.2535% | 3,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3886% | 2,490 |
| Memoranda: | ||
| Average total assets | $266,673,200 | 2,482 |
| Average earning assets | $242,381,400 | 2,512 |
| Average equity | $24,309,600 | 2,855 |
| Average total loans | $191,769,800 | 2,311 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2046% | 411 |
| Cost of funding earning assets | 1.5416% | 103 |
| Net interest margin | 3.6629% | 2,053 |
| Noninterest income to average assets | 1.7735% | 378 |
| Noninterest expense to average assets | 2.7889% | 1,999 |
| Loan and lease loss provision to assets | 0.3470% | 1,097 |
| Net operating income to assets | 1.5054% | 893 |
| Return on assets (ROA) | 1.5054% | 978 |
| Pretax return on assets | 1.9675% | 548 |
| Return on Equity (ROE) | 16.6689% | 476 |
| Retained earnings to average equity (ytd only) | 14.3125% | 237 |
| Net charge-offs to loans | -0.0007% | 3,794 |
| Credit loss provision to net charge-offs | -68,500.0000% | 4,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6465% | 4,084 |
| Assets per employee ($millions) | 5.1521% | 3,062 |
| Cash dividends to net income (ytd only)* | 14.1367% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7821% | 758 |
| Loan loss allowance to noncurrent loans | 583.5526% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.7393% | 1,578 |
| Noncurrent loans to loans | 0.3054% | 3,190 |
| Net loans and leases to total assets | 69.0053% | 2,112 |
| Net loans and leases to deposits | 85.8897% | 1,719 |
| Net loans and leases to core deposits | 97.5821% | 1,339 |
| Total domestic deposits to total assets | 80.3418% | 3,795 |
| Equity capital to assets | 8.8888% | 4,190 |
| Core capital (leverage) ratio | 9.0449% | 3,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5169% | 2,787 |
| Memoranda: | ||
| Average total assets | $263,133,500 | 2,487 |
| Average earning assets | $239,220,000 | 2,516 |
| Average equity | $23,764,250 | 2,886 |
| Average total loans | $189,579,500 | 2,322 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3156% | 466 |
| Cost of funding earning assets | 1.5809% | 125 |
| Net interest margin | 3.7347% | 2,040 |
| Noninterest income to average assets | 1.3565% | 560 |
| Noninterest expense to average assets | 2.8332% | 2,011 |
| Loan and lease loss provision to assets | 0.2457% | 1,713 |
| Net operating income to assets | 1.3207% | 1,302 |
| Return on assets (ROA) | 1.3207% | 1,404 |
| Pretax return on assets | 1.7458% | 901 |
| Return on Equity (ROE) | 14.5386% | 786 |
| Retained earnings to average equity (ytd only) | 12.1341% | 444 |
| Net charge-offs to loans | -0.0011% | 3,757 |
| Credit loss provision to net charge-offs | -31,500.0000% | 4,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7227% | 3,593 |
| Assets per employee ($millions) | 5.0467% | 3,116 |
| Cash dividends to net income (ytd only)* | 16.5387% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6240% | 954 |
| Loan loss allowance to noncurrent loans | 945.8333% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.5444% | 2,177 |
| Noncurrent loans to loans | 0.1717% | 3,764 |
| Net loans and leases to total assets | 71.9721% | 1,708 |
| Net loans and leases to deposits | 89.5985% | 1,391 |
| Net loans and leases to core deposits | 102.3184% | 1,095 |
| Total domestic deposits to total assets | 80.3274% | 3,769 |
| Equity capital to assets | 8.9916% | 4,097 |
| Core capital (leverage) ratio | 8.9782% | 3,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0029% | 2,968 |
| Memoranda: | ||
| Average total assets | $256,388,667 | 2,502 |
| Average earning assets | $238,091,333 | 2,502 |
| Average equity | $23,289,667 | 2,909 |
| Average total loans | $186,410,333 | 2,342 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1509% | 715 |
| Cost of funding earning assets | 1.6900% | 138 |
| Net interest margin | 3.4609% | 3,118 |
| Noninterest income to average assets | 1.2039% | 605 |
| Noninterest expense to average assets | 2.7890% | 2,461 |
| Loan and lease loss provision to assets | 0.1674% | 1,751 |
| Net operating income to assets | 1.0923% | 1,869 |
| Return on assets (ROA) | 1.0923% | 1,968 |
| Pretax return on assets | 1.4575% | 1,419 |
| Return on Equity (ROE) | 11.9601% | 1,116 |
| Retained earnings to average equity (ytd only) | 9.5157% | 843 |
| Net charge-offs to loans | -0.0088% | 4,031 |
| Credit loss provision to net charge-offs | -2,625.0000% | 3,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1864% | 3,342 |
| Assets per employee ($millions) | 4.9585% | 2,695 |
| Cash dividends to net income (ytd only)* | 20.4380% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6297% | 996 |
| Loan loss allowance to noncurrent loans | 1,243.0962% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.5271% | 2,409 |
| Noncurrent loans to loans | 0.1311% | 3,993 |
| Net loans and leases to total assets | 69.5528% | 2,318 |
| Net loans and leases to deposits | 87.0509% | 1,865 |
| Net loans and leases to core deposits | 99.7281% | 1,494 |
| Total domestic deposits to total assets | 79.8990% | 3,881 |
| Equity capital to assets | 8.9907% | 4,603 |
| Core capital (leverage) ratio | 9.1580% | 4,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5127% | 3,224 |
| Memoranda: | ||
| Average total assets | $250,846,500 | 2,488 |
| Average earning assets | $232,659,500 | 2,482 |
| Average equity | $22,909,500 | 2,932 |
| Average total loans | $181,773,500 | 2,341 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7936% | 332 |
| Cost of funding earning assets | 1.6714% | 219 |
| Net interest margin | 4.1222% | 1,479 |
| Noninterest income to average assets | 1.3453% | 526 |
| Noninterest expense to average assets | 3.1760% | 1,576 |
| Loan and lease loss provision to assets | 0.2238% | 868 |
| Net operating income to assets | 1.3329% | 1,571 |
| Return on assets (ROA) | 1.3329% | 1,651 |
| Pretax return on assets | 1.7379% | 1,090 |
| Return on Equity (ROE) | 13.5188% | 1,003 |
| Retained earnings to average equity (ytd only) | 10.4304% | 414 |
| Net charge-offs to loans | 0.1986% | 1,024 |
| Credit loss provision to net charge-offs | 138.1766% | 1,865 |
| Earnings coverage of net charge-offs (x) | 12.1140% | 2,434 |
| Efficiency ratio | 61.8175% | 3,413 |
| Assets per employee ($millions) | 4.8770% | 2,738 |
| Cash dividends to net income (ytd only)* | 22.8453% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5791% | 1,023 |
| Loan loss allowance to noncurrent loans | 1,217.8723% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.5557% | 2,225 |
| Noncurrent loans to loans | 0.1297% | 4,000 |
| Net loans and leases to total assets | 73.1503% | 1,897 |
| Net loans and leases to deposits | 92.6302% | 1,296 |
| Net loans and leases to core deposits | 107.4884% | 1,011 |
| Total domestic deposits to total assets | 78.9703% | 4,194 |
| Equity capital to assets | 9.2832% | 4,502 |
| Core capital (leverage) ratio | 9.4084% | 4,160 |
| Tier 1 risk-based capital ratio | 10.1122% | 5,107 |
| Total risk-based capital ratio | 11.3630% | 5,061 |
| Memoranda: | ||
| Average total assets | $216,753,000 | 2,693 |
| Average earning assets | $199,409,000 | 2,717 |
| Average equity | $21,370,200 | 3,013 |
| Average total loans | $176,716,400 | 2,356 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8265% | 338 |
| Cost of funding earning assets | 1.6383% | 258 |
| Net interest margin | 4.1883% | 1,399 |
| Noninterest income to average assets | 1.1791% | 661 |
| Noninterest expense to average assets | 3.1025% | 1,712 |
| Loan and lease loss provision to assets | 0.3048% | 483 |
| Net operating income to assets | 1.1982% | 2,195 |
| Return on assets (ROA) | 1.1982% | 2,278 |
| Pretax return on assets | 1.6192% | 1,569 |
| Return on Equity (ROE) | 11.9502% | 1,639 |
| Retained earnings to average equity (ytd only) | 9.2904% | 962 |
| Net charge-offs to loans | 0.2574% | 686 |
| Credit loss provision to net charge-offs | 141.5929% | 1,711 |
| Earnings coverage of net charge-offs (x) | 8.9380% | 2,608 |
| Efficiency ratio | 61.7231% | 3,368 |
| Assets per employee ($millions) | 4.7232% | 2,882 |
| Cash dividends to net income (ytd only)* | 22.2577% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6161% | 963 |
| Loan loss allowance to noncurrent loans | 819.7143% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.6484% | 2,066 |
| Noncurrent loans to loans | 0.1972% | 3,831 |
| Net loans and leases to total assets | 77.0384% | 1,307 |
| Net loans and leases to deposits | 99.4381% | 685 |
| Net loans and leases to core deposits | 115.5216% | 677 |
| Total domestic deposits to total assets | 77.4737% | 4,446 |
| Equity capital to assets | 9.6488% | 4,338 |
| Core capital (leverage) ratio | 9.8671% | 3,770 |
| Tier 1 risk-based capital ratio | 9.9489% | 5,198 |
| Total risk-based capital ratio | 11.1998% | 5,146 |
| Memoranda: | ||
| Average total assets | $209,978,750 | 2,780 |
| Average earning assets | $192,883,750 | 2,791 |
| Average equity | $21,053,500 | 3,058 |
| Average total loans | $175,585,750 | 2,390 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8383% | 315 |
| Cost of funding earning assets | 1.5929% | 279 |
| Net interest margin | 4.2455% | 1,249 |
| Noninterest income to average assets | 0.9295% | 1,008 |
| Noninterest expense to average assets | 3.1135% | 1,691 |
| Loan and lease loss provision to assets | 0.4012% | 299 |
| Net operating income to assets | 0.9276% | 3,178 |
| Return on assets (ROA) | 0.9276% | 3,239 |
| Pretax return on assets | 1.3112% | 2,521 |
| Return on Equity (ROE) | 9.1243% | 2,806 |
| Retained earnings to average equity (ytd only) | 7.7768% | 1,483 |
| Net charge-offs to loans | 0.6265% | 242 |
| Credit loss provision to net charge-offs | 74.8175% | 2,281 |
| Earnings coverage of net charge-offs (x) | 3.1934% | 2,870 |
| Efficiency ratio | 64.5174% | 3,052 |
| Assets per employee ($millions) | 4.3996% | 3,286 |
| Cash dividends to net income (ytd only)* | 14.7679% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4473% | 1,431 |
| Loan loss allowance to noncurrent loans | 959.2593% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.8071% | 1,741 |
| Noncurrent loans to loans | 0.1509% | 4,008 |
| Net loans and leases to total assets | 81.8072% | 634 |
| Net loans and leases to deposits | 106.8505% | 308 |
| Net loans and leases to core deposits | 125.0603% | 411 |
| Total domestic deposits to total assets | 76.5623% | 4,613 |
| Equity capital to assets | 9.8414% | 4,104 |
| Core capital (leverage) ratio | 9.9438% | 3,650 |
| Tier 1 risk-based capital ratio | 9.6435% | 5,263 |
| Total risk-based capital ratio | 10.8348% | 5,251 |
| Memoranda: | ||
| Average total assets | $204,400,670 | 2,834 |
| Average earning assets | $187,588,000 | 2,849 |
| Average equity | $20,779,670 | 3,077 |
| Average total loans | $174,939,330 | 2,406 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6833% | 371 |
| Cost of funding earning assets | 1.4853% | 342 |
| Net interest margin | 4.1981% | 1,307 |
| Noninterest income to average assets | 0.9798% | 855 |
| Noninterest expense to average assets | 3.1045% | 1,726 |
| Loan and lease loss provision to assets | 0.6136% | 170 |
| Net operating income to assets | 0.8993% | 3,239 |
| Return on assets (ROA) | 0.8993% | 3,293 |
| Pretax return on assets | 1.1287% | 3,047 |
| Return on Equity (ROE) | 8.6959% | 2,951 |
| Retained earnings to average equity (ytd only) | 5.9723% | 2,465 |
| Net charge-offs to loans | 0.5297% | 280 |
| Credit loss provision to net charge-offs | 133.1878% | 1,341 |
| Earnings coverage of net charge-offs (x) | 3.7817% | 2,379 |
| Efficiency ratio | 64.0515% | 3,232 |
| Assets per employee ($millions) | 4.5722% | 3,087 |
| Cash dividends to net income (ytd only)* | 31.3199% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5859% | 1,092 |
| Loan loss allowance to noncurrent loans | 178.3715% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.7640% | 1,844 |
| Noncurrent loans to loans | 0.8891% | 1,877 |
| Net loans and leases to total assets | 84.5738% | 324 |
| Net loans and leases to deposits | 106.9068% | 294 |
| Net loans and leases to core deposits | 126.1904% | 377 |
| Total domestic deposits to total assets | 79.1099% | 4,334 |
| Equity capital to assets | 10.0681% | 3,754 |
| Core capital (leverage) ratio | 10.5574% | 2,986 |
| Tier 1 risk-based capital ratio | 9.6117% | 5,325 |
| Total risk-based capital ratio | 10.8624% | 5,302 |
| Memoranda: | ||
| Average total assets | $198,811,000 | 2,912 |
| Average earning assets | $183,132,000 | 2,919 |
| Average equity | $20,561,500 | 3,111 |
| Average total loans | $172,934,000 | 2,446 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7460% | 258 |
| Cost of funding earning assets | 1.3756% | 156 |
| Net interest margin | 4.3704% | 1,001 |
| Noninterest income to average assets | 1.4720% | 422 |
| Noninterest expense to average assets | 3.4156% | 1,123 |
| Loan and lease loss provision to assets | 0.3043% | 531 |
| Net operating income to assets | 1.4793% | 1,176 |
| Return on assets (ROA) | 1.4793% | 1,166 |
| Pretax return on assets | 1.7233% | 1,105 |
| Return on Equity (ROE) | 13.6558% | 1,140 |
| Retained earnings to average equity (ytd only) | 9.8842% | 637 |
| Net charge-offs to loans | -0.0097% | 4,480 |
| Credit loss provision to net charge-offs | -3,600.0000% | 4,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7498% | 3,395 |
| Assets per employee ($millions) | 4.1712% | 3,651 |
| Cash dividends to net income (ytd only)* | 27.6190% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6137% | 997 |
| Loan loss allowance to noncurrent loans | 263.8298% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.5389% | 2,438 |
| Noncurrent loans to loans | 0.6116% | 2,448 |
| Net loans and leases to total assets | 86.6855% | 194 |
| Net loans and leases to deposits | 106.4990% | 349 |
| Net loans and leases to core deposits | 125.4777% | 409 |
| Total domestic deposits to total assets | 81.3956% | 3,808 |
| Equity capital to assets | 10.6361% | 3,043 |
| Core capital (leverage) ratio | 10.7144% | 2,824 |
| Tier 1 risk-based capital ratio | 9.7687% | 5,346 |
| Total risk-based capital ratio | 11.0195% | 5,311 |
| Memoranda: | ||
| Average total assets | $177,449,000 | 3,078 |
| Average earning assets | $161,243,600 | 3,127 |
| Average equity | $19,222,600 | 3,161 |
| Average total loans | $155,023,600 | 2,584 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6930% | 260 |
| Cost of funding earning assets | 1.3317% | 150 |
| Net interest margin | 4.3613% | 989 |
| Noninterest income to average assets | 1.5937% | 383 |
| Noninterest expense to average assets | 3.3447% | 1,210 |
| Loan and lease loss provision to assets | 0.2339% | 690 |
| Net operating income to assets | 1.6313% | 891 |
| Return on assets (ROA) | 1.6313% | 899 |
| Pretax return on assets | 1.9688% | 674 |
| Return on Equity (ROE) | 14.9841% | 881 |
| Retained earnings to average equity (ytd only) | 11.8140% | 507 |
| Net charge-offs to loans | -0.0150% | 4,517 |
| Credit loss provision to net charge-offs | -1,794.1176% | 4,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2931% | 3,778 |
| Assets per employee ($millions) | 4.1491% | 3,656 |
| Cash dividends to net income (ytd only)* | 21.1567% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5439% | 1,210 |
| Loan loss allowance to noncurrent loans | 241.2959% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.5664% | 2,489 |
| Noncurrent loans to loans | 0.6399% | 2,485 |
| Net loans and leases to total assets | 87.1521% | 176 |
| Net loans and leases to deposits | 108.7006% | 329 |
| Net loans and leases to core deposits | 129.2005% | 347 |
| Total domestic deposits to total assets | 80.1763% | 4,070 |
| Equity capital to assets | 11.0567% | 2,607 |
| Core capital (leverage) ratio | 10.8676% | 2,707 |
| Tier 1 risk-based capital ratio | 10.1622% | 5,342 |
| Total risk-based capital ratio | 11.4126% | 5,271 |
| Memoranda: | ||
| Average total assets | $173,842,750 | 3,150 |
| Average earning assets | $157,593,500 | 3,191 |
| Average equity | $18,926,250 | 3,210 |
| Average total loans | $151,515,750 | 2,641 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5628% | 293 |
| Cost of funding earning assets | 1.2666% | 143 |
| Net interest margin | 4.2962% | 1,039 |
| Noninterest income to average assets | 1.8018% | 322 |
| Noninterest expense to average assets | 3.3369% | 1,236 |
| Loan and lease loss provision to assets | 0.2340% | 681 |
| Net operating income to assets | 1.7071% | 707 |
| Return on assets (ROA) | 1.7071% | 713 |
| Pretax return on assets | 2.1201% | 468 |
| Return on Equity (ROE) | 15.7673% | 718 |
| Retained earnings to average equity (ytd only) | 12.7954% | 413 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6349% | 4,132 |
| Assets per employee ($millions) | 4.0723% | 3,775 |
| Cash dividends to net income (ytd only)* | 18.8485% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5186% | 1,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 87.8823% | 144 |
| Net loans and leases to deposits | 108.4574% | 336 |
| Net loans and leases to core deposits | 128.6732% | 358 |
| Total domestic deposits to total assets | 81.0293% | 3,990 |
| Equity capital to assets | 11.2463% | 2,413 |
| Core capital (leverage) ratio | 11.2022% | 2,346 |
| Tier 1 risk-based capital ratio | 10.2856% | 5,345 |
| Total risk-based capital ratio | 11.5356% | 5,267 |
| Memoranda: | ||
| Average total assets | $170,937,330 | 3,207 |
| Average earning assets | $154,741,670 | 3,235 |
| Average equity | $18,506,670 | 3,274 |
| Average total loans | $148,154,670 | 2,689 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4534% | 302 |
| Cost of funding earning assets | 1.2684% | 100 |
| Net interest margin | 4.1850% | 1,206 |
| Noninterest income to average assets | 2.1320% | 252 |
| Noninterest expense to average assets | 3.2431% | 1,472 |
| Loan and lease loss provision to assets | 0.2487% | 599 |
| Net operating income to assets | 2.1581% | 265 |
| Return on assets (ROA) | 2.1581% | 266 |
| Pretax return on assets | 2.4234% | 255 |
| Return on Equity (ROE) | 20.3422% | 228 |
| Retained earnings to average equity (ytd only) | 18.1092% | 148 |
| Net charge-offs to loans | -0.0056% | 4,046 |
| Credit loss provision to net charge-offs | -5,250.0000% | 4,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8258% | 4,706 |
| Assets per employee ($millions) | 4.0506% | 3,893 |
| Cash dividends to net income (ytd only)* | 10.9769% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5852% | 1,194 |
| Loan loss allowance to noncurrent loans | 7,862.0690% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 3,962 |
| Noncurrent loans to loans | 0.0202% | 4,898 |
| Net loans and leases to total assets | 81.2699% | 751 |
| Net loans and leases to deposits | 99.2477% | 768 |
| Net loans and leases to core deposits | 116.3554% | 714 |
| Total domestic deposits to total assets | 81.8859% | 4,001 |
| Equity capital to assets | 11.0918% | 2,493 |
| Core capital (leverage) ratio | 11.2952% | 2,169 |
| Tier 1 risk-based capital ratio | 10.9092% | 5,181 |
| Total risk-based capital ratio | 12.1598% | 5,090 |
| Memoranda: | ||
| Average total assets | $168,852,500 | 3,258 |
| Average earning assets | $152,639,000 | 3,290 |
| Average equity | $17,913,500 | 3,364 |
| Average total loans | $144,101,500 | 2,762 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5655% | 240 |
| Cost of funding earning assets | 1.0841% | 140 |
| Net interest margin | 4.4814% | 640 |
| Noninterest income to average assets | 1.2319% | 692 |
| Noninterest expense to average assets | 3.4689% | 1,087 |
| Loan and lease loss provision to assets | 0.4451% | 311 |
| Net operating income to assets | 1.1321% | 1,746 |
| Return on assets (ROA) | 1.1321% | 1,775 |
| Pretax return on assets | 1.3937% | 2,015 |
| Return on Equity (ROE) | 10.4292% | 1,705 |
| Retained earnings to average equity (ytd only) | 6.7671% | 1,165 |
| Net charge-offs to loans | 0.0147% | 3,597 |
| Credit loss provision to net charge-offs | 3,447.3684% | 119 |
| Earnings coverage of net charge-offs (x) | 142.4211% | 491 |
| Efficiency ratio | 65.3565% | 3,372 |
| Assets per employee ($millions) | 3.7166% | 4,409 |
| Cash dividends to net income (ytd only)* | 35.1140% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 1,392 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2244% | 4,016 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 86.9554% | 196 |
| Net loans and leases to deposits | 107.2601% | 346 |
| Net loans and leases to core deposits | 125.0035% | 458 |
| Total domestic deposits to total assets | 81.0696% | 4,106 |
| Equity capital to assets | 10.0947% | 3,600 |
| Core capital (leverage) ratio | 10.1148% | 3,293 |
| Tier 1 risk-based capital ratio | 9.3973% | 5,608 |
| Total risk-based capital ratio | 10.6475% | 5,597 |
| Memoranda: | ||
| Average total assets | $147,165,200 | 3,503 |
| Average earning assets | $133,842,000 | 3,547 |
| Average equity | $15,974,400 | 3,598 |
| Average total loans | $129,520,400 | 2,921 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5385% | 242 |
| Cost of funding earning assets | 1.0311% | 166 |
| Net interest margin | 4.5074% | 593 |
| Noninterest income to average assets | 1.2068% | 716 |
| Noninterest expense to average assets | 3.3194% | 1,301 |
| Loan and lease loss provision to assets | 0.4427% | 293 |
| Net operating income to assets | 1.0773% | 2,195 |
| Return on assets (ROA) | 1.0773% | 2,241 |
| Pretax return on assets | 1.5553% | 1,558 |
| Return on Equity (ROE) | 9.7298% | 2,240 |
| Retained earnings to average equity (ytd only) | 6.9102% | 1,737 |
| Net charge-offs to loans | 0.0201% | 3,091 |
| Credit loss provision to net charge-offs | 2,500.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 112.8543% | 645 |
| Efficiency ratio | 62.4255% | 3,817 |
| Assets per employee ($millions) | 3.5504% | 4,652 |
| Cash dividends to net income (ytd only)* | 28.9796% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4523% | 1,694 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 86.5692% | 224 |
| Net loans and leases to deposits | 105.8947% | 424 |
| Net loans and leases to core deposits | 125.2628% | 425 |
| Total domestic deposits to total assets | 81.7503% | 3,854 |
| Equity capital to assets | 10.4010% | 3,478 |
| Core capital (leverage) ratio | 10.4257% | 3,058 |
| Tier 1 risk-based capital ratio | 9.8171% | 5,630 |
| Total risk-based capital ratio | 11.0401% | 5,606 |
| Memoranda: | ||
| Average total assets | $143,073,750 | 3,602 |
| Average earning assets | $130,478,250 | 3,620 |
| Average equity | $15,841,000 | 3,650 |
| Average total loans | $125,807,500 | 3,002 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4435% | 262 |
| Cost of funding earning assets | 0.9937% | 182 |
| Net interest margin | 4.4497% | 637 |
| Noninterest income to average assets | 1.1233% | 792 |
| Noninterest expense to average assets | 3.3383% | 1,298 |
| Loan and lease loss provision to assets | 0.3605% | 393 |
| Net operating income to assets | 1.0541% | 2,192 |
| Return on assets (ROA) | 1.0541% | 2,234 |
| Pretax return on assets | 1.4925% | 1,677 |
| Return on Equity (ROE) | 9.3089% | 2,357 |
| Retained earnings to average equity (ytd only) | 6.8894% | 1,646 |
| Net charge-offs to loans | -0.0016% | 4,166 |
| Credit loss provision to net charge-offs | -25,000.0000% | 5,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3056% | 3,624 |
| Assets per employee ($millions) | 3.3981% | 4,860 |
| Cash dividends to net income (ytd only)* | 25.9918% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 2,009 |
| Loan loss allowance to noncurrent loans | 13,753.8462% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 5,109 |
| Noncurrent loans to loans | 0.0101% | 5,142 |
| Net loans and leases to total assets | 89.1563% | 107 |
| Net loans and leases to deposits | 107.1971% | 348 |
| Net loans and leases to core deposits | 119.4949% | 576 |
| Total domestic deposits to total assets | 83.1704% | 3,517 |
| Equity capital to assets | 11.1884% | 2,611 |
| Core capital (leverage) ratio | 11.1896% | 2,231 |
| Tier 1 risk-based capital ratio | 9.9225% | 5,647 |
| Total risk-based capital ratio | 11.0513% | 5,640 |
| Memoranda: | ||
| Average total assets | $138,693,000 | 3,689 |
| Average earning assets | $126,794,000 | 3,692 |
| Average equity | $15,705,330 | 3,677 |
| Average total loans | $122,000,670 | 3,063 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2883% | 326 |
| Cost of funding earning assets | 0.9575% | 206 |
| Net interest margin | 4.3309% | 725 |
| Noninterest income to average assets | 1.1004% | 818 |
| Noninterest expense to average assets | 3.2075% | 1,587 |
| Loan and lease loss provision to assets | 0.2195% | 727 |
| Net operating income to assets | 1.1384% | 1,718 |
| Return on assets (ROA) | 1.1384% | 1,753 |
| Pretax return on assets | 1.6447% | 1,139 |
| Return on Equity (ROE) | 9.9910% | 1,963 |
| Retained earnings to average equity (ytd only) | 7.5510% | 1,631 |
| Net charge-offs to loans | -0.0034% | 4,085 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2429% | 3,948 |
| Assets per employee ($millions) | 3.3948% | 4,936 |
| Cash dividends to net income (ytd only)* | 24.4216% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 2,413 |
| Loan loss allowance to noncurrent loans | 1,772.5275% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 5,013 |
| Noncurrent loans to loans | 0.0748% | 4,905 |
| Net loans and leases to total assets | 86.2637% | 206 |
| Net loans and leases to deposits | 104.0920% | 397 |
| Net loans and leases to core deposits | 113.6815% | 691 |
| Total domestic deposits to total assets | 82.8726% | 3,894 |
| Equity capital to assets | 11.2950% | 2,358 |
| Core capital (leverage) ratio | 11.4800% | 1,966 |
| Tier 1 risk-based capital ratio | 10.3989% | 5,590 |
| Total risk-based capital ratio | 11.4830% | 5,582 |
| Memoranda: | ||
| Average total assets | $136,680,000 | 3,743 |
| Average earning assets | $125,332,500 | 3,747 |
| Average equity | $15,574,000 | 3,715 |
| Average total loans | $118,485,500 | 3,133 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3403% | 333 |
| Cost of funding earning assets | 0.9703% | 207 |
| Net interest margin | 4.3701% | 821 |
| Noninterest income to average assets | 1.4372% | 563 |
| Noninterest expense to average assets | 3.5748% | 1,044 |
| Loan and lease loss provision to assets | 0.1814% | 1,312 |
| Net operating income to assets | 1.3291% | 1,145 |
| Return on assets (ROA) | 1.3291% | 1,201 |
| Pretax return on assets | 1.7133% | 968 |
| Return on Equity (ROE) | 11.8322% | 1,296 |
| Retained earnings to average equity (ytd only) | 9.0936% | 572 |
| Net charge-offs to loans | 0.0972% | 2,326 |
| Credit loss provision to net charge-offs | 219.0476% | 1,304 |
| Earnings coverage of net charge-offs (x) | 22.8762% | 1,711 |
| Efficiency ratio | 65.3591% | 3,698 |
| Assets per employee ($millions) | 3.3544% | 4,970 |
| Cash dividends to net income (ytd only)* | 23.1454% | 3,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3331% | 2,371 |
| Loan loss allowance to noncurrent loans | 2,900.0000% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 5,201 |
| Noncurrent loans to loans | 0.0460% | 5,064 |
| Net loans and leases to total assets | 84.7810% | 318 |
| Net loans and leases to deposits | 102.6911% | 487 |
| Net loans and leases to core deposits | 108.3681% | 999 |
| Total domestic deposits to total assets | 82.5592% | 3,914 |
| Equity capital to assets | 11.4978% | 2,176 |
| Core capital (leverage) ratio | 11.2316% | 2,134 |
| Tier 1 risk-based capital ratio | 10.7931% | 5,435 |
| Total risk-based capital ratio | 11.8862% | 5,432 |
| Memoranda: | ||
| Average total assets | $126,775,200 | 3,885 |
| Average earning assets | $116,977,800 | 3,886 |
| Average equity | $14,240,800 | 3,916 |
| Average total loans | $108,048,200 | 3,239 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2972% | 370 |
| Cost of funding earning assets | 0.9578% | 217 |
| Net interest margin | 4.3395% | 862 |
| Noninterest income to average assets | 1.2359% | 758 |
| Noninterest expense to average assets | 3.4633% | 1,217 |
| Loan and lease loss provision to assets | 0.1761% | 1,277 |
| Net operating income to assets | 1.1548% | 1,789 |
| Return on assets (ROA) | 1.1548% | 1,887 |
| Pretax return on assets | 1.6052% | 1,363 |
| Return on Equity (ROE) | 10.3457% | 1,916 |
| Retained earnings to average equity (ytd only) | 8.5290% | 971 |
| Net charge-offs to loans | 0.1293% | 1,669 |
| Credit loss provision to net charge-offs | 160.1942% | 1,701 |
| Earnings coverage of net charge-offs (x) | 16.2039% | 2,131 |
| Efficiency ratio | 66.0358% | 3,589 |
| Assets per employee ($millions) | 3.4564% | 4,829 |
| Cash dividends to net income (ytd only)* | 17.5603% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3136% | 2,613 |
| Loan loss allowance to noncurrent loans | 1,889.7436% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0579% | 5,217 |
| Noncurrent loans to loans | 0.0695% | 5,067 |
| Net loans and leases to total assets | 82.1497% | 594 |
| Net loans and leases to deposits | 99.0164% | 775 |
| Net loans and leases to core deposits | 104.6693% | 1,297 |
| Total domestic deposits to total assets | 82.9657% | 3,614 |
| Equity capital to assets | 11.1455% | 2,866 |
| Core capital (leverage) ratio | 11.1231% | 2,339 |
| Tier 1 risk-based capital ratio | 9.1466% | 5,912 |
| Total risk-based capital ratio | 10.0591% | 5,928 |
| Memoranda: | ||
| Average total assets | $124,925,500 | 3,936 |
| Average earning assets | $115,403,250 | 3,932 |
| Average equity | $13,944,250 | 3,981 |
| Average total loans | $106,237,500 | 3,283 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3187% | 343 |
| Cost of funding earning assets | 0.9366% | 241 |
| Net interest margin | 4.3821% | 789 |
| Noninterest income to average assets | 0.9899% | 1,137 |
| Noninterest expense to average assets | 3.4859% | 1,185 |
| Loan and lease loss provision to assets | 0.1480% | 1,551 |
| Net operating income to assets | 0.9586% | 2,587 |
| Return on assets (ROA) | 0.9586% | 2,731 |
| Pretax return on assets | 1.4026% | 2,015 |
| Return on Equity (ROE) | 8.5834% | 2,706 |
| Retained earnings to average equity (ytd only) | 7.1847% | 1,517 |
| Net charge-offs to loans | 0.1899% | 1,209 |
| Credit loss provision to net charge-offs | 90.9091% | 2,226 |
| Earnings coverage of net charge-offs (x) | 9.5253% | 2,417 |
| Efficiency ratio | 69.2132% | 3,114 |
| Assets per employee ($millions) | 3.4309% | 4,866 |
| Cash dividends to net income (ytd only)* | 16.2950% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 2,796 |
| Loan loss allowance to noncurrent loans | 15,588.8889% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0759% | 5,228 |
| Noncurrent loans to loans | 0.0083% | 5,473 |
| Net loans and leases to total assets | 81.8042% | 647 |
| Net loans and leases to deposits | 98.5311% | 833 |
| Net loans and leases to core deposits | 103.7481% | 1,337 |
| Total domestic deposits to total assets | 83.0237% | 3,646 |
| Equity capital to assets | 10.9453% | 3,115 |
| Core capital (leverage) ratio | 11.5121% | 1,986 |
| Tier 1 risk-based capital ratio | 9.1843% | 5,985 |
| Total risk-based capital ratio | 10.1034% | 6,001 |
| Memoranda: | ||
| Average total assets | $121,634,330 | 4,017 |
| Average earning assets | $112,321,000 | 4,012 |
| Average equity | $13,584,330 | 4,061 |
| Average total loans | $104,246,330 | 3,336 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3350% | 333 |
| Cost of funding earning assets | 0.9428% | 230 |
| Net interest margin | 4.3923% | 751 |
| Noninterest income to average assets | 0.9551% | 1,173 |
| Noninterest expense to average assets | 3.4282% | 1,326 |
| Loan and lease loss provision to assets | 0.1535% | 1,375 |
| Net operating income to assets | 1.0881% | 1,949 |
| Return on assets (ROA) | 1.0881% | 2,051 |
| Pretax return on assets | 1.4258% | 1,817 |
| Return on Equity (ROE) | 9.6364% | 2,139 |
| Retained earnings to average equity (ytd only) | 9.6364% | 943 |
| Net charge-offs to loans | -0.1094% | 5,673 |
| Credit loss provision to net charge-offs | -160.7143% | 4,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4605% | 3,386 |
| Assets per employee ($millions) | 3.3189% | 5,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4433% | 2,232 |
| Loan loss allowance to noncurrent loans | 371.2500% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.4302% | 3,866 |
| Noncurrent loans to loans | 0.3888% | 4,044 |
| Net loans and leases to total assets | 84.8729% | 304 |
| Net loans and leases to deposits | 102.2351% | 496 |
| Net loans and leases to core deposits | 107.5834% | 986 |
| Total domestic deposits to total assets | 83.0174% | 3,888 |
| Equity capital to assets | 11.2997% | 2,630 |
| Core capital (leverage) ratio | 11.3930% | 2,061 |
| Tier 1 risk-based capital ratio | 9.0872% | 6,054 |
| Total risk-based capital ratio | 10.1055% | 6,060 |
| Memoranda: | ||
| Average total assets | $117,263,500 | 4,136 |
| Average earning assets | $108,190,500 | 4,121 |
| Average equity | $13,241,500 | 4,125 |
| Average total loans | $102,341,500 | 3,383 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4089% | 314 |
| Cost of funding earning assets | 1.0012% | 176 |
| Net interest margin | 4.4077% | 782 |
| Noninterest income to average assets | 1.2216% | 800 |
| Noninterest expense to average assets | 3.6685% | 1,018 |
| Loan and lease loss provision to assets | 0.1641% | 1,405 |
| Net operating income to assets | 1.3511% | 1,147 |
| Return on assets (ROA) | 1.3511% | 1,187 |
| Pretax return on assets | 1.4669% | 1,663 |
| Return on Equity (ROE) | 12.2366% | 1,244 |
| Retained earnings to average equity (ytd only) | 8.9752% | 657 |
| Net charge-offs to loans | 0.0959% | 2,463 |
| Credit loss provision to net charge-offs | 202.2472% | 1,377 |
| Earnings coverage of net charge-offs (x) | 20.1011% | 1,898 |
| Efficiency ratio | 69.2242% | 3,359 |
| Assets per employee ($millions) | 3.1094% | 5,403 |
| Cash dividends to net income (ytd only)* | 26.6532% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3872% | 2,489 |
| Loan loss allowance to noncurrent loans | 17,650.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 5,289 |
| Noncurrent loans to loans | 0.0079% | 5,511 |
| Net loans and leases to total assets | 87.2512% | 158 |
| Net loans and leases to deposits | 105.3516% | 384 |
| Net loans and leases to core deposits | 112.0314% | 770 |
| Total domestic deposits to total assets | 82.8190% | 3,898 |
| Equity capital to assets | 11.2842% | 2,556 |
| Core capital (leverage) ratio | 11.1336% | 2,277 |
| Tier 1 risk-based capital ratio | 9.0519% | 6,101 |
| Total risk-based capital ratio | 10.0557% | 6,112 |
| Memoranda: | ||
| Average total assets | $109,690,200 | 4,265 |
| Average earning assets | $101,480,800 | 4,251 |
| Average equity | $12,111,200 | 4,286 |
| Average total loans | $92,852,000 | 3,524 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3676% | 337 |
| Cost of funding earning assets | 0.9975% | 180 |
| Net interest margin | 4.3701% | 846 |
| Noninterest income to average assets | 1.2416% | 785 |
| Noninterest expense to average assets | 3.4578% | 1,366 |
| Loan and lease loss provision to assets | 0.1661% | 1,275 |
| Net operating income to assets | 1.4963% | 925 |
| Return on assets (ROA) | 1.4963% | 958 |
| Pretax return on assets | 1.6661% | 1,194 |
| Return on Equity (ROE) | 13.6317% | 974 |
| Retained earnings to average equity (ytd only) | 11.5578% | 408 |
| Net charge-offs to loans | 0.0103% | 3,811 |
| Credit loss provision to net charge-offs | 1,928.5714% | 195 |
| Earnings coverage of net charge-offs (x) | 212.7846% | 337 |
| Efficiency ratio | 65.3640% | 3,996 |
| Assets per employee ($millions) | 2.9819% | 5,567 |
| Cash dividends to net income (ytd only)* | 15.2138% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 2,239 |
| Loan loss allowance to noncurrent loans | 478.2178% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.3468% | 4,389 |
| Noncurrent loans to loans | 0.3095% | 4,494 |
| Net loans and leases to total assets | 85.1091% | 296 |
| Net loans and leases to deposits | 102.5216% | 519 |
| Net loans and leases to core deposits | 109.4618% | 906 |
| Total domestic deposits to total assets | 83.0158% | 3,814 |
| Equity capital to assets | 10.9663% | 3,067 |
| Core capital (leverage) ratio | 11.0225% | 2,463 |
| Tier 1 risk-based capital ratio | 9.0153% | 6,189 |
| Total risk-based capital ratio | 10.0881% | 6,195 |
| Memoranda: | ||
| Average total assets | $108,351,250 | 4,335 |
| Average earning assets | $100,377,000 | 4,322 |
| Average equity | $11,893,500 | 4,375 |
| Average total loans | $90,617,250 | 3,610 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3444% | 339 |
| Cost of funding earning assets | 1.0019% | 180 |
| Net interest margin | 4.3424% | 852 |
| Noninterest income to average assets | 1.2596% | 767 |
| Noninterest expense to average assets | 3.4321% | 1,412 |
| Loan and lease loss provision to assets | 0.1687% | 1,239 |
| Net operating income to assets | 1.5558% | 823 |
| Return on assets (ROA) | 1.5558% | 851 |
| Pretax return on assets | 1.6720% | 1,138 |
| Return on Equity (ROE) | 14.1687% | 868 |
| Retained earnings to average equity (ytd only) | 12.6323% | 338 |
| Net charge-offs to loans | 0.0159% | 3,386 |
| Credit loss provision to net charge-offs | 1,285.7143% | 280 |
| Earnings coverage of net charge-offs (x) | 140.2857% | 453 |
| Efficiency ratio | 65.0907% | 4,175 |
| Assets per employee ($millions) | 3.3158% | 5,136 |
| Cash dividends to net income (ytd only)* | 10.8434% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5561% | 2,068 |
| Loan loss allowance to noncurrent loans | 1,096.8750% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.4515% | 4,121 |
| Noncurrent loans to loans | 0.1419% | 5,182 |
| Net loans and leases to total assets | 81.1721% | 647 |
| Net loans and leases to deposits | 98.0267% | 785 |
| Net loans and leases to core deposits | 104.9323% | 1,132 |
| Total domestic deposits to total assets | 82.8062% | 4,029 |
| Equity capital to assets | 11.0900% | 2,793 |
| Core capital (leverage) ratio | 10.7742% | 2,650 |
| Tier 1 risk-based capital ratio | 9.3241% | 6,223 |
| Total risk-based capital ratio | 10.4256% | 6,220 |
| Memoranda: | ||
| Average total assets | $106,698,000 | 4,408 |
| Average earning assets | $98,608,670 | 4,408 |
| Average equity | $11,716,000 | 4,433 |
| Average total loans | $88,194,000 | 3,683 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2782% | 362 |
| Cost of funding earning assets | 0.9809% | 199 |
| Net interest margin | 4.2972% | 881 |
| Noninterest income to average assets | 0.9453% | 1,247 |
| Noninterest expense to average assets | 3.4177% | 1,459 |
| Loan and lease loss provision to assets | 0.1722% | 1,142 |
| Net operating income to assets | 1.1367% | 1,736 |
| Return on assets (ROA) | 1.1367% | 1,844 |
| Pretax return on assets | 1.3625% | 2,031 |
| Return on Equity (ROE) | 10.8113% | 1,687 |
| Retained earnings to average equity (ytd only) | 10.8113% | 750 |
| Net charge-offs to loans | 0.0505% | 2,280 |
| Credit loss provision to net charge-offs | 409.0909% | 647 |
| Earnings coverage of net charge-offs (x) | 36.4545% | 1,036 |
| Efficiency ratio | 69.0108% | 3,657 |
| Assets per employee ($millions) | 3.2117% | 5,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5442% | 2,257 |
| Loan loss allowance to noncurrent loans | 513.2576% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.6172% | 3,635 |
| Noncurrent loans to loans | 0.3009% | 4,712 |
| Net loans and leases to total assets | 79.1141% | 784 |
| Net loans and leases to deposits | 94.4009% | 941 |
| Net loans and leases to core deposits | 99.8578% | 1,331 |
| Total domestic deposits to total assets | 83.8065% | 3,887 |
| Equity capital to assets | 10.2539% | 3,826 |
| Core capital (leverage) ratio | 10.4354% | 3,053 |
| Tier 1 risk-based capital ratio | 8.8975% | 6,324 |
| Total risk-based capital ratio | 9.9989% | 6,330 |
| Memoranda: | ||
| Average total assets | $104,516,000 | 4,487 |
| Average earning assets | $97,458,000 | 4,473 |
| Average equity | $10,988,500 | 4,600 |
| Average total loans | $87,178,500 | 3,722 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7299% | 217 |
| Cost of funding earning assets | 0.9162% | 353 |
| Net interest margin | 4.8138% | 426 |
| Noninterest income to average assets | 0.9211% | 1,438 |
| Noninterest expense to average assets | 3.5568% | 1,376 |
| Loan and lease loss provision to assets | 0.1596% | 1,644 |
| Net operating income to assets | 1.6793% | 601 |
| Return on assets (ROA) | 1.6793% | 628 |
| Pretax return on assets | 1.6397% | 1,122 |
| Return on Equity (ROE) | 15.2897% | 732 |
| Retained earnings to average equity (ytd only) | 10.9813% | 382 |
| Net charge-offs to loans | 0.1215% | 2,815 |
| Credit loss provision to net charge-offs | 152.6316% | 1,587 |
| Earnings coverage of net charge-offs (x) | 17.2105% | 1,948 |
| Efficiency ratio | 66.4064% | 4,180 |
| Assets per employee ($millions) | 3.1198% | 5,533 |
| Cash dividends to net income (ytd only)* | 28.1782% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5252% | 2,361 |
| Loan loss allowance to noncurrent loans | 470.1068% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.7342% | 3,371 |
| Noncurrent loans to loans | 0.3244% | 4,676 |
| Net loans and leases to total assets | 85.4318% | 250 |
| Net loans and leases to deposits | 102.2208% | 504 |
| Net loans and leases to core deposits | 107.3708% | 935 |
| Total domestic deposits to total assets | 83.5757% | 3,892 |
| Equity capital to assets | 10.7979% | 3,120 |
| Core capital (leverage) ratio | 10.7404% | 2,679 |
| Tier 1 risk-based capital ratio | 10.0513% | 6,247 |
| Total risk-based capital ratio | 11.3122% | 6,190 |
| Memoranda: | ||
| Average total assets | $90,869,200 | 4,818 |
| Average earning assets | $83,718,400 | 4,800 |
| Average equity | $9,980,600 | 4,756 |
| Average total loans | $78,185,000 | 3,930 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7251% | 217 |
| Cost of funding earning assets | 0.9062% | 405 |
| Net interest margin | 4.8189% | 413 |
| Noninterest income to average assets | 0.9267% | 1,430 |
| Noninterest expense to average assets | 3.4616% | 1,546 |
| Loan and lease loss provision to assets | 0.1504% | 1,653 |
| Net operating income to assets | 1.8489% | 464 |
| Return on assets (ROA) | 1.8489% | 481 |
| Pretax return on assets | 1.7466% | 986 |
| Return on Equity (ROE) | 16.7536% | 582 |
| Retained earnings to average equity (ytd only) | 12.6641% | 362 |
| Net charge-offs to loans | 0.0701% | 3,194 |
| Credit loss provision to net charge-offs | 250.0000% | 1,043 |
| Earnings coverage of net charge-offs (x) | 31.5262% | 1,321 |
| Efficiency ratio | 64.5985% | 4,447 |
| Assets per employee ($millions) | 3.1355% | 5,533 |
| Cash dividends to net income (ytd only)* | 24.4100% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5910% | 2,327 |
| Loan loss allowance to noncurrent loans | 421.2025% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.8889% | 3,216 |
| Noncurrent loans to loans | 0.3777% | 4,779 |
| Net loans and leases to total assets | 84.6977% | 283 |
| Net loans and leases to deposits | 101.2881% | 539 |
| Net loans and leases to core deposits | 105.4947% | 986 |
| Total domestic deposits to total assets | 83.6205% | 3,910 |
| Equity capital to assets | 10.5071% | 3,545 |
| Core capital (leverage) ratio | 10.6557% | 2,854 |
| Tier 1 risk-based capital ratio | 10.1700% | 6,305 |
| Total risk-based capital ratio | 11.5286% | 6,238 |
| Memoranda: | ||
| Average total assets | $88,628,000 | 4,925 |
| Average earning assets | $81,510,000 | 4,916 |
| Average equity | $9,780,750 | 4,830 |
| Average total loans | $76,078,500 | 4,029 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7089% | 218 |
| Cost of funding earning assets | 0.9095% | 407 |
| Net interest margin | 4.7995% | 414 |
| Noninterest income to average assets | 0.8861% | 1,536 |
| Noninterest expense to average assets | 3.4581% | 1,558 |
| Loan and lease loss provision to assets | 0.1049% | 2,269 |
| Net operating income to assets | 1.9377% | 384 |
| Return on assets (ROA) | 1.9377% | 398 |
| Pretax return on assets | 1.7162% | 986 |
| Return on Equity (ROE) | 17.2466% | 530 |
| Retained earnings to average equity (ytd only) | 13.5109% | 292 |
| Net charge-offs to loans | -0.0190% | 5,529 |
| Credit loss provision to net charge-offs | -642.8571% | 5,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5035% | 4,443 |
| Assets per employee ($millions) | 3.0717% | 5,648 |
| Cash dividends to net income (ytd only)* | 21.6606% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6699% | 2,230 |
| Loan loss allowance to noncurrent loans | 408.3333% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5806% | 4,245 |
| Noncurrent loans to loans | 0.4089% | 4,763 |
| Net loans and leases to total assets | 84.5406% | 263 |
| Net loans and leases to deposits | 103.2292% | 388 |
| Net loans and leases to core deposits | 107.8613% | 776 |
| Total domestic deposits to total assets | 81.8960% | 4,680 |
| Equity capital to assets | 10.7812% | 3,113 |
| Core capital (leverage) ratio | 11.0480% | 2,375 |
| Tier 1 risk-based capital ratio | 10.3760% | 6,290 |
| Total risk-based capital ratio | 11.7677% | 6,192 |
| Memoranda: | ||
| Average total assets | $85,770,330 | 5,027 |
| Average earning assets | $78,508,330 | 5,010 |
| Average equity | $9,636,670 | 4,881 |
| Average total loans | $73,552,000 | 4,119 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7331% | 209 |
| Cost of funding earning assets | 0.9201% | 408 |
| Net interest margin | 4.8131% | 373 |
| Noninterest income to average assets | 0.8186% | 1,681 |
| Noninterest expense to average assets | 3.5117% | 1,463 |
| Loan and lease loss provision to assets | 0.0727% | 2,686 |
| Net operating income to assets | 2.4074% | 171 |
| Return on assets (ROA) | 2.4074% | 182 |
| Pretax return on assets | 1.6178% | 1,139 |
| Return on Equity (ROE) | 20.9539% | 248 |
| Retained earnings to average equity (ytd only) | 17.1594% | 214 |
| Net charge-offs to loans | -0.0283% | 5,525 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5047% | 4,271 |
| Assets per employee ($millions) | 2.8699% | 6,018 |
| Cash dividends to net income (ytd only)* | 18.1087% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7559% | 2,168 |
| Loan loss allowance to noncurrent loans | 956.2963% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.6272% | 4,246 |
| Noncurrent loans to loans | 0.1836% | 5,545 |
| Net loans and leases to total assets | 83.8949% | 242 |
| Net loans and leases to deposits | 103.7027% | 305 |
| Net loans and leases to core deposits | 108.7571% | 640 |
| Total domestic deposits to total assets | 80.8995% | 5,259 |
| Equity capital to assets | 11.2559% | 2,473 |
| Core capital (leverage) ratio | 11.3783% | 2,068 |
| Tier 1 risk-based capital ratio | 10.8885% | 6,202 |
| Total risk-based capital ratio | 12.2944% | 6,087 |
| Memoranda: | ||
| Average total assets | $82,580,000 | 5,145 |
| Average earning assets | $75,212,000 | 5,141 |
| Average equity | $9,487,500 | 4,938 |
| Average total loans | $70,714,000 | 4,243 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0263% | 164 |
| Cost of funding earning assets | 1.0080% | 425 |
| Net interest margin | 5.0183% | 301 |
| Noninterest income to average assets | 1.1596% | 1,049 |
| Noninterest expense to average assets | 3.6488% | 1,377 |
| Loan and lease loss provision to assets | 0.0664% | 3,798 |
| Net operating income to assets | 1.1569% | 1,729 |
| Return on assets (ROA) | 1.1569% | 1,792 |
| Pretax return on assets | 1.9938% | 491 |
| Return on Equity (ROE) | 10.5624% | 1,905 |
| Retained earnings to average equity (ytd only) | 6.5000% | 1,687 |
| Net charge-offs to loans | 0.1882% | 2,957 |
| Credit loss provision to net charge-offs | 43.8596% | 3,961 |
| Earnings coverage of net charge-offs (x) | 13.6053% | 2,005 |
| Efficiency ratio | 63.9134% | 4,912 |
| Assets per employee ($millions) | 2.8237% | 6,073 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8717% | 1,848 |
| Loan loss allowance to noncurrent loans | 651.7949% | 750 |
| Noncurrent assets plus other real estate owned to assets | 1.0738% | 3,262 |
| Noncurrent loans to loans | 0.2872% | 5,327 |
| Net loans and leases to total assets | 84.2809% | 237 |
| Net loans and leases to deposits | 105.1539% | 292 |
| Net loans and leases to core deposits | 110.8201% | 579 |
| Total domestic deposits to total assets | 80.1500% | 5,411 |
| Equity capital to assets | 11.7425% | 1,996 |
| Core capital (leverage) ratio | 11.7768% | 1,775 |
| Tier 1 risk-based capital ratio | 11.3797% | 5,980 |
| Total risk-based capital ratio | 12.7955% | 5,820 |
| Memoranda: | ||
| Average total assets | $75,284,800 | 5,344 |
| Average earning assets | $68,250,800 | 5,343 |
| Average equity | $8,246,200 | 5,275 |
| Average total loans | $60,559,200 | 4,599 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0763% | 152 |
| Cost of funding earning assets | 1.0256% | 433 |
| Net interest margin | 5.0507% | 292 |
| Noninterest income to average assets | 1.2644% | 917 |
| Noninterest expense to average assets | 3.4812% | 1,653 |
| Loan and lease loss provision to assets | 0.0807% | 3,447 |
| Net operating income to assets | 1.3057% | 1,343 |
| Return on assets (ROA) | 1.3057% | 1,396 |
| Pretax return on assets | 2.2867% | 330 |
| Return on Equity (ROE) | 12.1531% | 1,432 |
| Retained earnings to average equity (ytd only) | 8.0631% | 1,385 |
| Net charge-offs to loans | 0.2339% | 2,404 |
| Credit loss provision to net charge-offs | 43.6893% | 3,640 |
| Earnings coverage of net charge-offs (x) | 12.8156% | 2,090 |
| Efficiency ratio | 59.5216% | 5,494 |
| Assets per employee ($millions) | 2.5544% | 6,422 |
| Cash dividends to net income (ytd only)* | 33.6541% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0495% | 1,613 |
| Loan loss allowance to noncurrent loans | 893.0070% | 521 |
| Noncurrent assets plus other real estate owned to assets | 1.0531% | 3,547 |
| Noncurrent loans to loans | 0.2295% | 5,657 |
| Net loans and leases to total assets | 79.6419% | 590 |
| Net loans and leases to deposits | 98.2944% | 551 |
| Net loans and leases to core deposits | 104.2267% | 867 |
| Total domestic deposits to total assets | 81.0238% | 5,207 |
| Equity capital to assets | 10.7408% | 3,019 |
| Core capital (leverage) ratio | 10.4563% | 3,051 |
| Tier 1 risk-based capital ratio | 10.2727% | 6,518 |
| Total risk-based capital ratio | 11.7247% | 6,430 |
| Memoranda: | ||
| Average total assets | $74,340,250 | 5,423 |
| Average earning assets | $67,474,000 | 5,418 |
| Average equity | $7,986,750 | 5,392 |
| Average total loans | $58,722,500 | 4,691 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0472% | 170 |
| Cost of funding earning assets | 1.0413% | 445 |
| Net interest margin | 5.0059% | 306 |
| Noninterest income to average assets | 1.3754% | 830 |
| Noninterest expense to average assets | 3.3652% | 1,899 |
| Loan and lease loss provision to assets | 0.0815% | 3,433 |
| Net operating income to assets | 1.3945% | 1,096 |
| Return on assets (ROA) | 1.3945% | 1,175 |
| Pretax return on assets | 2.5416% | 263 |
| Return on Equity (ROE) | 12.9786% | 1,249 |
| Retained earnings to average equity (ytd only) | 9.0572% | 1,100 |
| Net charge-offs to loans | 0.3338% | 1,850 |
| Credit loss provision to net charge-offs | 31.2500% | 3,566 |
| Earnings coverage of net charge-offs (x) | 10.0521% | 2,200 |
| Efficiency ratio | 56.1961% | 5,942 |
| Assets per employee ($millions) | 2.5369% | 6,465 |
| Cash dividends to net income (ytd only)* | 30.2144% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1259% | 1,569 |
| Loan loss allowance to noncurrent loans | 325.3846% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 1.0682% | 3,608 |
| Noncurrent loans to loans | 0.6534% | 4,636 |
| Net loans and leases to total assets | 76.7643% | 897 |
| Net loans and leases to deposits | 94.5050% | 776 |
| Net loans and leases to core deposits | 100.2282% | 1,057 |
| Total domestic deposits to total assets | 81.2277% | 5,284 |
| Equity capital to assets | 10.6508% | 3,115 |
| Core capital (leverage) ratio | 10.5007% | 2,873 |
| Tier 1 risk-based capital ratio | 8.8845% | 6,765 |
| Total risk-based capital ratio | 10.1364% | 6,767 |
| Memoranda: | ||
| Average total assets | $73,576,000 | 5,471 |
| Average earning assets | $67,800,330 | 5,449 |
| Average equity | $7,905,330 | 5,455 |
| Average total loans | $57,527,000 | 4,765 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9741% | 177 |
| Cost of funding earning assets | 1.0595% | 453 |
| Net interest margin | 4.9146% | 331 |
| Noninterest income to average assets | 1.4991% | 688 |
| Noninterest expense to average assets | 3.7062% | 1,243 |
| Loan and lease loss provision to assets | 0.0830% | 3,266 |
| Net operating income to assets | 0.9902% | 2,269 |
| Return on assets (ROA) | 0.9902% | 2,391 |
| Pretax return on assets | 2.2514% | 378 |
| Return on Equity (ROE) | 9.1736% | 2,404 |
| Retained earnings to average equity (ytd only) | 5.8424% | 2,762 |
| Net charge-offs to loans | 0.2339% | 2,035 |
| Credit loss provision to net charge-offs | 45.4545% | 2,673 |
| Earnings coverage of net charge-offs (x) | 12.7879% | 1,573 |
| Efficiency ratio | 61.3553% | 5,399 |
| Assets per employee ($millions) | 2.9609% | 6,056 |
| Cash dividends to net income (ytd only)* | 36.3128% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2813% | 1,444 |
| Loan loss allowance to noncurrent loans | 335.9694% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 1.2699% | 3,439 |
| Noncurrent loans to loans | 0.6790% | 4,768 |
| Net loans and leases to total assets | 76.2087% | 813 |
| Net loans and leases to deposits | 94.2808% | 654 |
| Net loans and leases to core deposits | 94.6780% | 1,295 |
| Total domestic deposits to total assets | 80.8316% | 5,540 |
| Equity capital to assets | 10.6210% | 3,406 |
| Core capital (leverage) ratio | 10.6963% | 2,552 |
| Tier 1 risk-based capital ratio | 11.1344% | 6,346 |
| Total risk-based capital ratio | 12.6161% | 6,226 |
| Memoranda: | ||
| Average total assets | $72,310,500 | 5,555 |
| Average earning assets | $66,821,500 | 5,521 |
| Average equity | $7,805,000 | 5,538 |
| Average total loans | $56,444,500 | 4,841 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2842% | 175 |
| Cost of funding earning assets | 1.2558% | 444 |
| Net interest margin | 5.0284% | 375 |
| Noninterest income to average assets | 1.6797% | 573 |
| Noninterest expense to average assets | 3.5430% | 1,735 |
| Loan and lease loss provision to assets | 0.0311% | 5,504 |
| Net operating income to assets | 1.8244% | 495 |
| Return on assets (ROA) | 1.8244% | 556 |
| Pretax return on assets | 2.7615% | 182 |
| Return on Equity (ROE) | 18.2191% | 429 |
| Retained earnings to average equity (ytd only) | 14.1773% | 195 |
| Net charge-offs to loans | 0.1183% | 4,507 |
| Credit loss provision to net charge-offs | 33.8983% | 5,041 |
| Earnings coverage of net charge-offs (x) | 30.4068% | 1,006 |
| Efficiency ratio | 55.9214% | 6,065 |
| Assets per employee ($millions) | 3.2090% | 5,604 |
| Cash dividends to net income (ytd only)* | 22.1843% | 3,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4202% | 1,207 |
| Loan loss allowance to noncurrent loans | 304.7945% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 1.3655% | 3,353 |
| Noncurrent loans to loans | 0.7941% | 4,594 |
| Net loans and leases to total assets | 76.2415% | 881 |
| Net loans and leases to deposits | 95.1527% | 668 |
| Net loans and leases to core deposits | 95.1527% | 1,376 |
| Total domestic deposits to total assets | 80.1255% | 5,631 |
| Equity capital to assets | 10.9748% | 2,982 |
| Core capital (leverage) ratio | 11.2969% | 2,015 |
| Tier 1 risk-based capital ratio | 11.4841% | 6,117 |
| Total risk-based capital ratio | 12.9851% | 5,905 |
| Memoranda: | ||
| Average total assets | $64,239,400 | 5,809 |
| Average earning assets | $59,482,600 | 5,767 |
| Average equity | $6,432,800 | 5,909 |
| Average total loans | $49,866,200 | 5,112 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3572% | 167 |
| Cost of funding earning assets | 1.2893% | 458 |
| Net interest margin | 5.0679% | 361 |
| Noninterest income to average assets | 1.7643% | 505 |
| Noninterest expense to average assets | 3.5817% | 1,586 |
| Loan and lease loss provision to assets | 0.0426% | 5,241 |
| Net operating income to assets | 1.9026% | 449 |
| Return on assets (ROA) | 1.9026% | 524 |
| Pretax return on assets | 2.8411% | 181 |
| Return on Equity (ROE) | 19.5277% | 360 |
| Retained earnings to average equity (ytd only) | 15.2683% | 222 |
| Net charge-offs to loans | 0.1593% | 3,841 |
| Credit loss provision to net charge-offs | 34.4828% | 4,724 |
| Earnings coverage of net charge-offs (x) | 23.3625% | 1,317 |
| Efficiency ratio | 55.3983% | 6,119 |
| Assets per employee ($millions) | 3.5369% | 4,885 |
| Cash dividends to net income (ytd only)* | 21.8118% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5017% | 1,206 |
| Loan loss allowance to noncurrent loans | 304.3280% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 1.6964% | 3,045 |
| Noncurrent loans to loans | 0.8221% | 4,775 |
| Net loans and leases to total assets | 81.7841% | 360 |
| Net loans and leases to deposits | 102.2526% | 336 |
| Net loans and leases to core deposits | 103.1173% | 927 |
| Total domestic deposits to total assets | 79.9824% | 5,658 |
| Equity capital to assets | 10.1093% | 4,340 |
| Core capital (leverage) ratio | 10.0570% | 3,464 |
| Tier 1 risk-based capital ratio | 8.9119% | 6,947 |
| Total risk-based capital ratio | 10.1692% | 6,950 |
| Memoranda: | ||
| Average total assets | $62,649,750 | 5,927 |
| Average earning assets | $58,116,250 | 5,876 |
| Average equity | $6,104,000 | 6,065 |
| Average total loans | $48,542,750 | 5,219 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2590% | 197 |
| Cost of funding earning assets | 1.2976% | 536 |
| Net interest margin | 4.9614% | 428 |
| Noninterest income to average assets | 1.6947% | 526 |
| Noninterest expense to average assets | 3.2386% | 2,470 |
| Loan and lease loss provision to assets | 0.0642% | 4,842 |
| Net operating income to assets | 2.0446% | 364 |
| Return on assets (ROA) | 2.0446% | 407 |
| Pretax return on assets | 2.9818% | 157 |
| Return on Equity (ROE) | 21.2570% | 277 |
| Retained earnings to average equity (ytd only) | 16.9188% | 187 |
| Net charge-offs to loans | 0.1151% | 4,024 |
| Credit loss provision to net charge-offs | 74.0741% | 3,473 |
| Earnings coverage of net charge-offs (x) | 35.1481% | 971 |
| Efficiency ratio | 51.5322% | 6,537 |
| Assets per employee ($millions) | 3.7854% | 4,353 |
| Cash dividends to net income (ytd only)* | 20.4082% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7752% | 967 |
| Loan loss allowance to noncurrent loans | 292.7195% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 1.6674% | 3,217 |
| Noncurrent loans to loans | 0.9481% | 4,613 |
| Net loans and leases to total assets | 74.4215% | 1,189 |
| Net loans and leases to deposits | 89.1709% | 1,234 |
| Net loans and leases to core deposits | 97.1932% | 1,331 |
| Total domestic deposits to total assets | 83.4595% | 4,550 |
| Equity capital to assets | 9.7015% | 4,760 |
| Core capital (leverage) ratio | 9.6615% | 3,901 |
| Tier 1 risk-based capital ratio | 9.1951% | 6,958 |
| Total risk-based capital ratio | 10.4544% | 6,959 |
| Memoranda: | ||
| Average total assets | $62,311,670 | 5,966 |
| Average earning assets | $57,645,000 | 5,916 |
| Average equity | $5,993,330 | 6,118 |
| Average total loans | $46,922,670 | 5,307 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3647% | 189 |
| Cost of funding earning assets | 1.3283% | 562 |
| Net interest margin | 5.0363% | 373 |
| Noninterest income to average assets | 1.6250% | 553 |
| Noninterest expense to average assets | 3.2304% | 2,506 |
| Loan and lease loss provision to assets | 0.1305% | 3,714 |
| Net operating income to assets | 2.1536% | 314 |
| Return on assets (ROA) | 2.1536% | 367 |
| Pretax return on assets | 2.8911% | 205 |
| Return on Equity (ROE) | 22.4930% | 261 |
| Retained earnings to average equity (ytd only) | 18.0625% | 248 |
| Net charge-offs to loans | 0.2448% | 2,708 |
| Credit loss provision to net charge-offs | 71.4286% | 2,876 |
| Earnings coverage of net charge-offs (x) | 16.5357% | 1,360 |
| Efficiency ratio | 51.6701% | 6,573 |
| Assets per employee ($millions) | 3.9196% | 4,165 |
| Cash dividends to net income (ytd only)* | 19.6970% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9791% | 853 |
| Loan loss allowance to noncurrent loans | 2,732.0000% | 181 |
| Noncurrent assets plus other real estate owned to assets | 1.2246% | 4,092 |
| Noncurrent loans to loans | 0.1090% | 6,484 |
| Net loans and leases to total assets | 70.9363% | 1,587 |
| Net loans and leases to deposits | 84.0218% | 1,662 |
| Net loans and leases to core deposits | 93.6490% | 1,494 |
| Total domestic deposits to total assets | 84.4261% | 4,313 |
| Equity capital to assets | 9.5688% | 4,696 |
| Core capital (leverage) ratio | 9.8697% | 3,539 |
| Tier 1 risk-based capital ratio | 9.8208% | 6,912 |
| Total risk-based capital ratio | 11.0826% | 6,912 |
| Memoranda: | ||
| Average total assets | $61,292,000 | 6,029 |
| Average earning assets | $56,311,000 | 5,997 |
| Average equity | $5,868,500 | 6,184 |
| Average total loans | $45,755,000 | 5,383 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3414% | 239 |
| Cost of funding earning assets | 1.4792% | 777 |
| Net interest margin | 4.8623% | 556 |
| Noninterest income to average assets | 0.9046% | 1,655 |
| Noninterest expense to average assets | 2.8798% | 4,042 |
| Loan and lease loss provision to assets | 0.5189% | 2,026 |
| Net operating income to assets | 1.2401% | 1,405 |
| Return on assets (ROA) | 1.2401% | 1,509 |
| Pretax return on assets | 2.0202% | 510 |
| Return on Equity (ROE) | 13.0463% | 1,156 |
| Retained earnings to average equity (ytd only) | 8.4064% | 951 |
| Net charge-offs to loans | 0.3011% | 3,897 |
| Credit loss provision to net charge-offs | 218.9781% | 1,111 |
| Earnings coverage of net charge-offs (x) | 10.7153% | 1,803 |
| Efficiency ratio | 53.1440% | 6,597 |
| Assets per employee ($millions) | 3.7419% | 4,460 |
| Cash dividends to net income (ytd only)* | 35.5649% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0094% | 807 |
| Loan loss allowance to noncurrent loans | 19,628.5714% | 33 |
| Noncurrent assets plus other real estate owned to assets | 1.2343% | 4,169 |
| Noncurrent loans to loans | 0.0153% | 6,799 |
| Net loans and leases to total assets | 73.9653% | 1,281 |
| Net loans and leases to deposits | 87.7256% | 1,422 |
| Net loans and leases to core deposits | 98.3149% | 1,307 |
| Total domestic deposits to total assets | 84.3143% | 4,177 |
| Equity capital to assets | 9.5808% | 4,769 |
| Core capital (leverage) ratio | 9.7015% | 3,746 |
| Tier 1 risk-based capital ratio | 10.0975% | 6,831 |
| Total risk-based capital ratio | 11.3615% | 6,811 |
| Memoranda: | ||
| Average total assets | $57,815,800 | 6,115 |
| Average earning assets | $53,678,800 | 6,057 |
| Average equity | $5,495,800 | 6,295 |
| Average total loans | $45,506,200 | 5,442 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2327% | 306 |
| Cost of funding earning assets | 1.5208% | 795 |
| Net interest margin | 4.7119% | 745 |
| Noninterest income to average assets | 0.8167% | 1,975 |
| Noninterest expense to average assets | 2.7945% | 4,364 |
| Loan and lease loss provision to assets | 0.4188% | 2,372 |
| Net operating income to assets | 1.2169% | 1,608 |
| Return on assets (ROA) | 1.2169% | 1,719 |
| Pretax return on assets | 2.0010% | 623 |
| Return on Equity (ROE) | 12.8284% | 1,324 |
| Retained earnings to average equity (ytd only) | 8.1680% | 1,442 |
| Net charge-offs to loans | 0.0704% | 5,256 |
| Credit loss provision to net charge-offs | 750.0000% | 357 |
| Earnings coverage of net charge-offs (x) | 43.3322% | 733 |
| Efficiency ratio | 53.5921% | 6,533 |
| Assets per employee ($millions) | 3.6481% | 4,648 |
| Cash dividends to net income (ytd only)* | 36.3291% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9565% | 895 |
| Loan loss allowance to noncurrent loans | 751.0989% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.9731% | 4,799 |
| Noncurrent loans to loans | 0.3936% | 6,068 |
| Net loans and leases to total assets | 76.8730% | 858 |
| Net loans and leases to deposits | 92.3745% | 980 |
| Net loans and leases to core deposits | 104.5531% | 952 |
| Total domestic deposits to total assets | 83.2188% | 4,600 |
| Equity capital to assets | 9.6078% | 4,921 |
| Core capital (leverage) ratio | 9.6283% | 3,950 |
| Tier 1 risk-based capital ratio | 10.5356% | 6,765 |
| Total risk-based capital ratio | 11.8023% | 6,742 |
| Memoranda: | ||
| Average total assets | $57,302,250 | 6,174 |
| Average earning assets | $53,480,000 | 6,114 |
| Average equity | $5,435,750 | 6,358 |
| Average total loans | $45,468,500 | 5,492 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2940% | 279 |
| Cost of funding earning assets | 1.5603% | 814 |
| Net interest margin | 4.7336% | 683 |
| Noninterest income to average assets | 0.6603% | 2,760 |
| Noninterest expense to average assets | 2.7359% | 4,673 |
| Loan and lease loss provision to assets | 0.4214% | 2,323 |
| Net operating income to assets | 1.1449% | 1,739 |
| Return on assets (ROA) | 1.1449% | 1,815 |
| Pretax return on assets | 1.9246% | 669 |
| Return on Equity (ROE) | 12.1227% | 1,457 |
| Retained earnings to average equity (ytd only) | 7.4744% | 1,667 |
| Net charge-offs to loans | -0.0177% | 6,795 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8355% | 6,635 |
| Assets per employee ($millions) | 3.5376% | 4,837 |
| Cash dividends to net income (ytd only)* | 38.3436% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9407% | 945 |
| Loan loss allowance to noncurrent loans | 698.9529% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.7191% | 5,466 |
| Noncurrent loans to loans | 0.4207% | 6,062 |
| Net loans and leases to total assets | 77.8467% | 799 |
| Net loans and leases to deposits | 94.8508% | 816 |
| Net loans and leases to core deposits | 101.8704% | 1,186 |
| Total domestic deposits to total assets | 82.0728% | 5,139 |
| Equity capital to assets | 9.6818% | 4,565 |
| Core capital (leverage) ratio | 9.6097% | 3,794 |
| Tier 1 risk-based capital ratio | 11.0821% | 6,458 |
| Total risk-based capital ratio | 12.3494% | 6,440 |
| Memoranda: | ||
| Average total assets | $56,946,670 | 6,237 |
| Average earning assets | $53,193,670 | 6,176 |
| Average equity | $5,378,330 | 6,419 |
| Average total loans | $45,212,330 | 5,546 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3012% | 281 |
| Cost of funding earning assets | 1.5678% | 924 |
| Net interest margin | 4.7334% | 658 |
| Noninterest income to average assets | 0.5812% | 3,301 |
| Noninterest expense to average assets | 2.7591% | 4,606 |
| Loan and lease loss provision to assets | 0.4202% | 2,087 |
| Net operating income to assets | 0.9874% | 2,221 |
| Return on assets (ROA) | 0.9874% | 2,280 |
| Pretax return on assets | 1.7997% | 818 |
| Return on Equity (ROE) | 10.5866% | 1,878 |
| Retained earnings to average equity (ytd only) | 6.0817% | 2,593 |
| Net charge-offs to loans | -0.0177% | 6,529 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4149% | 6,573 |
| Assets per employee ($millions) | 3.3185% | 5,434 |
| Cash dividends to net income (ytd only)* | 42.5532% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8312% | 1,083 |
| Loan loss allowance to noncurrent loans | 318.2500% | 973 |
| Noncurrent assets plus other real estate owned to assets | 1.0919% | 4,739 |
| Noncurrent loans to loans | 0.8896% | 5,268 |
| Net loans and leases to total assets | 77.4457% | 810 |
| Net loans and leases to deposits | 94.4323% | 789 |
| Net loans and leases to core deposits | 101.4442% | 1,243 |
| Total domestic deposits to total assets | 82.0119% | 5,313 |
| Equity capital to assets | 9.5117% | 4,421 |
| Core capital (leverage) ratio | 9.4876% | 3,829 |
| Tier 1 risk-based capital ratio | 11.2810% | 6,272 |
| Total risk-based capital ratio | 12.5492% | 6,241 |
| Memoranda: | ||
| Average total assets | $57,119,500 | 6,283 |
| Average earning assets | $53,069,500 | 6,234 |
| Average equity | $5,327,500 | 6,446 |
| Average total loans | $45,120,000 | 5,603 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9674% | 909 |
| Cost of funding earning assets | 1.8560% | 979 |
| Net interest margin | 4.1114% | 2,517 |
| Noninterest income to average assets | 0.8794% | 1,926 |
| Noninterest expense to average assets | 2.3497% | 6,219 |
| Loan and lease loss provision to assets | 0.5739% | 2,836 |
| Net operating income to assets | 1.1799% | 1,463 |
| Return on assets (ROA) | 1.1799% | 1,537 |
| Pretax return on assets | 1.8298% | 717 |
| Return on Equity (ROE) | 13.8328% | 922 |
| Retained earnings to average equity (ytd only) | 9.1427% | 669 |
| Net charge-offs to loans | 0.1005% | 5,857 |
| Credit loss provision to net charge-offs | 739.1304% | 291 |
| Earnings coverage of net charge-offs (x) | 30.9565% | 712 |
| Efficiency ratio | 49.4318% | 7,174 |
| Assets per employee ($millions) | 3.4014% | 5,165 |
| Cash dividends to net income (ytd only)* | 33.9056% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6747% | 1,200 |
| Loan loss allowance to noncurrent loans | 279.6767% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 1.1224% | 4,765 |
| Noncurrent loans to loans | 0.9564% | 5,139 |
| Net loans and leases to total assets | 76.2054% | 1,237 |
| Net loans and leases to deposits | 94.3960% | 1,020 |
| Net loans and leases to core deposits | 105.3456% | 1,231 |
| Total domestic deposits to total assets | 80.7295% | 5,612 |
| Equity capital to assets | 9.1467% | 4,925 |
| Core capital (leverage) ratio | 8.8688% | 4,753 |
| Tier 1 risk-based capital ratio | 11.6692% | 5,752 |
| Total risk-based capital ratio | 12.9370% | 5,745 |
| Memoranda: | ||
| Average total assets | $59,241,800 | 6,234 |
| Average earning assets | $55,820,200 | 6,137 |
| Average equity | $5,053,200 | 6,649 |
| Average total loans | $45,758,400 | 5,663 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8958% | 1,141 |
| Cost of funding earning assets | 1.9172% | 975 |
| Net interest margin | 3.9786% | 3,194 |
| Noninterest income to average assets | 0.7204% | 2,702 |
| Noninterest expense to average assets | 2.1433% | 6,752 |
| Loan and lease loss provision to assets | 0.4027% | 3,493 |
| Net operating income to assets | 1.2573% | 1,450 |
| Return on assets (ROA) | 1.2573% | 1,526 |
| Pretax return on assets | 1.9397% | 719 |
| Return on Equity (ROE) | 15.0035% | 851 |
| Retained earnings to average equity (ytd only) | 10.0113% | 790 |
| Net charge-offs to loans | 0.0581% | 5,932 |
| Credit loss provision to net charge-offs | 900.0000% | 324 |
| Earnings coverage of net charge-offs (x) | 52.3423% | 549 |
| Efficiency ratio | 47.7805% | 7,284 |
| Assets per employee ($millions) | 3.4710% | 5,055 |
| Cash dividends to net income (ytd only)* | 33.2746% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4102% | 1,461 |
| Loan loss allowance to noncurrent loans | 280.4688% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 1.0338% | 5,038 |
| Noncurrent loans to loans | 0.8593% | 5,502 |
| Net loans and leases to total assets | 73.9031% | 1,829 |
| Net loans and leases to deposits | 91.0530% | 1,571 |
| Net loans and leases to core deposits | 108.1119% | 1,157 |
| Total domestic deposits to total assets | 81.1649% | 5,313 |
| Equity capital to assets | 8.8295% | 5,807 |
| Core capital (leverage) ratio | 8.7005% | 5,187 |
| Tier 1 risk-based capital ratio | 12.0850% | 5,376 |
| Total risk-based capital ratio | 13.3501% | 5,336 |
| Memoranda: | ||
| Average total assets | $59,596,250 | 6,286 |
| Average earning assets | $56,400,000 | 6,187 |
| Average equity | $4,994,250 | 6,752 |
| Average total loans | $45,879,000 | 5,736 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8881% | 1,217 |
| Cost of funding earning assets | 1.9721% | 978 |
| Net interest margin | 3.9160% | 3,371 |
| Noninterest income to average assets | 0.4449% | 4,564 |
| Noninterest expense to average assets | 2.0437% | 7,027 |
| Loan and lease loss provision to assets | 0.4014% | 3,314 |
| Net operating income to assets | 1.1172% | 1,792 |
| Return on assets (ROA) | 1.1172% | 1,860 |
| Pretax return on assets | 1.6992% | 1,058 |
| Return on Equity (ROE) | 13.5708% | 1,125 |
| Retained earnings to average equity (ytd only) | 8.4919% | 1,265 |
| Net charge-offs to loans | 0.0043% | 6,314 |
| Credit loss provision to net charge-offs | 12,000.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 628.0000% | 48 |
| Efficiency ratio | 49.3140% | 7,266 |
| Assets per employee ($millions) | 5.0882% | 2,066 |
| Cash dividends to net income (ytd only)* | 37.4251% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2866% | 1,608 |
| Loan loss allowance to noncurrent loans | 437.1308% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.7845% | 5,547 |
| Noncurrent loans to loans | 0.5231% | 6,212 |
| Net loans and leases to total assets | 72.5081% | 2,276 |
| Net loans and leases to deposits | 88.2035% | 2,140 |
| Net loans and leases to core deposits | 104.6520% | 1,571 |
| Total domestic deposits to total assets | 82.2054% | 4,905 |
| Equity capital to assets | 8.2741% | 6,457 |
| Core capital (leverage) ratio | 8.2515% | 5,852 |
| Tier 1 risk-based capital ratio | 12.2589% | 5,071 |
| Total risk-based capital ratio | 13.5259% | 5,030 |
| Memoranda: | ||
| Average total assets | $59,792,670 | 6,313 |
| Average earning assets | $56,486,670 | 6,221 |
| Average equity | $4,922,330 | 6,804 |
| Average total loans | $46,277,000 | 5,747 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9813% | 1,011 |
| Cost of funding earning assets | 2.0417% | 966 |
| Net interest margin | 3.9396% | 3,152 |
| Noninterest income to average assets | 0.3381% | 5,437 |
| Noninterest expense to average assets | 2.1839% | 6,732 |
| Loan and lease loss provision to assets | 0.4057% | 2,933 |
| Net operating income to assets | 1.0074% | 2,152 |
| Return on assets (ROA) | 1.0074% | 2,215 |
| Pretax return on assets | 1.4537% | 1,633 |
| Return on Equity (ROE) | 12.2697% | 1,422 |
| Retained earnings to average equity (ytd only) | 8.1523% | 1,642 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0134% | 6,972 |
| Assets per employee ($millions) | 4.9373% | 2,321 |
| Cash dividends to net income (ytd only)* | 33.5570% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1089% | 1,939 |
| Loan loss allowance to noncurrent loans | 319.2810% | 947 |
| Noncurrent assets plus other real estate owned to assets | 1.0718% | 5,000 |
| Noncurrent loans to loans | 0.6605% | 6,000 |
| Net loans and leases to total assets | 76.5440% | 1,429 |
| Net loans and leases to deposits | 92.3212% | 1,569 |
| Net loans and leases to core deposits | 111.7435% | 1,179 |
| Total domestic deposits to total assets | 82.9105% | 4,672 |
| Equity capital to assets | 8.2755% | 6,337 |
| Core capital (leverage) ratio | 8.2135% | 5,890 |
| Tier 1 risk-based capital ratio | 12.0518% | 5,146 |
| Total risk-based capital ratio | 13.3172% | 5,095 |
| Memoranda: | ||
| Average total assets | $59,160,000 | 6,421 |
| Average earning assets | $55,640,000 | 6,339 |
| Average equity | $4,857,500 | 6,892 |
| Average total loans | $46,761,500 | 5,808 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3479% | 938 |
| Cost of funding earning assets | 2.6419% | 686 |
| Net interest margin | 3.7061% | 4,114 |
| Noninterest income to average assets | 0.2457% | 6,345 |
| Noninterest expense to average assets | 2.0683% | 7,248 |
| Loan and lease loss provision to assets | 0.4243% | 4,283 |
| Net operating income to assets | 0.8273% | 2,425 |
| Return on assets (ROA) | 0.8273% | 2,512 |
| Pretax return on assets | 1.2622% | 1,802 |
| Return on Equity (ROE) | 10.0266% | 1,682 |
| Retained earnings to average equity (ytd only) | 4.5634% | 2,060 |
| Net charge-offs to loans | 0.6085% | 3,394 |
| Credit loss provision to net charge-offs | 86.3309% | 6,121 |
| Earnings coverage of net charge-offs (x) | 3.4317% | 3,348 |
| Efficiency ratio | 55.0847% | 7,119 |
| Assets per employee ($millions) | 4.9228% | 2,313 |
| Cash dividends to net income (ytd only)* | 54.4872% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9430% | 2,162 |
| Loan loss allowance to noncurrent loans | 189.4628% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 1.2713% | 4,546 |
| Noncurrent loans to loans | 1.0255% | 5,262 |
| Net loans and leases to total assets | 78.3421% | 1,309 |
| Net loans and leases to deposits | 95.2831% | 1,417 |
| Net loans and leases to core deposits | 144.5045% | 654 |
| Total domestic deposits to total assets | 82.2203% | 4,856 |
| Equity capital to assets | 8.1459% | 6,412 |
| Core capital (leverage) ratio | 8.1836% | 5,845 |
| Tier 1 risk-based capital ratio | 11.6563% | 5,244 |
| Total risk-based capital ratio | 12.9177% | 5,187 |
| Memoranda: | ||
| Average total assets | $56,568,200 | 6,474 |
| Average earning assets | $53,560,600 | 6,392 |
| Average equity | $4,667,600 | 7,060 |
| Average total loans | $45,689,000 | 5,849 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4187% | 893 |
| Cost of funding earning assets | 2.7803% | 629 |
| Net interest margin | 3.6384% | 4,331 |
| Noninterest income to average assets | 0.2288% | 6,585 |
| Noninterest expense to average assets | 2.1355% | 7,121 |
| Loan and lease loss provision to assets | 0.3575% | 4,178 |
| Net operating income to assets | 0.7937% | 2,844 |
| Return on assets (ROA) | 0.7937% | 2,904 |
| Pretax return on assets | 1.1917% | 2,291 |
| Return on Equity (ROE) | 9.5863% | 2,069 |
| Retained earnings to average equity (ytd only) | 3.1091% | 3,582 |
| Net charge-offs to loans | 0.4443% | 3,459 |
| Credit loss provision to net charge-offs | 99.3377% | 5,144 |
| Earnings coverage of net charge-offs (x) | 4.3046% | 3,183 |
| Efficiency ratio | 57.9560% | 6,720 |
| Assets per employee ($millions) | 4.7632% | 2,453 |
| Cash dividends to net income (ytd only)* | 67.5668% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0263% | 1,735 |
| Loan loss allowance to noncurrent loans | 469.9507% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.8223% | 5,446 |
| Noncurrent loans to loans | 0.4312% | 6,474 |
| Net loans and leases to total assets | 80.7026% | 1,043 |
| Net loans and leases to deposits | 97.7143% | 1,355 |
| Net loans and leases to core deposits | 153.1474% | 509 |
| Total domestic deposits to total assets | 82.5904% | 4,405 |
| Equity capital to assets | 8.2508% | 6,559 |
| Core capital (leverage) ratio | 8.1647% | 6,079 |
| Tier 1 risk-based capital ratio | 11.6197% | 5,318 |
| Total risk-based capital ratio | 12.8831% | 5,238 |
| Memoranda: | ||
| Average total assets | $55,942,000 | 6,547 |
| Average earning assets | $53,135,250 | 6,453 |
| Average equity | $4,631,500 | 7,132 |
| Average total loans | $45,312,250 | 5,913 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4079% | 992 |
| Cost of funding earning assets | 2.9154% | 586 |
| Net interest margin | 3.4924% | 4,834 |
| Noninterest income to average assets | 0.2305% | 6,635 |
| Noninterest expense to average assets | 2.0599% | 7,358 |
| Loan and lease loss provision to assets | 0.3781% | 3,657 |
| Net operating income to assets | 0.7599% | 3,010 |
| Return on assets (ROA) | 0.7599% | 3,118 |
| Pretax return on assets | 1.1056% | 2,621 |
| Return on Equity (ROE) | 9.1673% | 2,301 |
| Retained earnings to average equity (ytd only) | 2.6503% | 3,854 |
| Net charge-offs to loans | 0.4248% | 3,101 |
| Credit loss provision to net charge-offs | 110.5263% | 4,189 |
| Earnings coverage of net charge-offs (x) | 4.3368% | 3,128 |
| Efficiency ratio | 58.1301% | 6,847 |
| Assets per employee ($millions) | 4.7782% | 2,355 |
| Cash dividends to net income (ytd only)* | 71.0900% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0972% | 1,403 |
| Loan loss allowance to noncurrent loans | 173.8739% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 1.4423% | 4,083 |
| Noncurrent loans to loans | 1.2062% | 4,802 |
| Net loans and leases to total assets | 78.5657% | 1,626 |
| Net loans and leases to deposits | 93.0455% | 2,264 |
| Net loans and leases to core deposits | 139.9354% | 1,014 |
| Total domestic deposits to total assets | 84.4379% | 3,529 |
| Equity capital to assets | 8.1377% | 6,585 |
| Core capital (leverage) ratio | 8.1169% | 6,130 |
| Tier 1 risk-based capital ratio | 11.4955% | 5,384 |
| Total risk-based capital ratio | 12.7556% | 5,297 |
| Memoranda: | ||
| Average total assets | $55,536,670 | 6,615 |
| Average earning assets | $52,685,330 | 6,522 |
| Average equity | $4,603,330 | 7,205 |
| Average total loans | $44,722,330 | 5,992 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3685% | 1,132 |
| Cost of funding earning assets | 3.0763% | 492 |
| Net interest margin | 3.2922% | 5,520 |
| Noninterest income to average assets | 0.2196% | 6,718 |
| Noninterest expense to average assets | 2.1744% | 6,938 |
| Loan and lease loss provision to assets | 0.3295% | 3,347 |
| Net operating income to assets | 0.6516% | 3,792 |
| Return on assets (ROA) | 0.6516% | 3,976 |
| Pretax return on assets | 0.8419% | 3,917 |
| Return on Equity (ROE) | 7.7865% | 3,249 |
| Retained earnings to average equity (ytd only) | -5.3368% | 6,599 |
| Net charge-offs to loans | 0.4538% | 2,321 |
| Credit loss provision to net charge-offs | 90.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.2000% | 3,248 |
| Efficiency ratio | 64.9891% | 5,507 |
| Assets per employee ($millions) | 4.7020% | 2,434 |
| Cash dividends to net income (ytd only)* | 168.5393% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1106% | 1,211 |
| Loan loss allowance to noncurrent loans | 165.5052% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 1.5756% | 3,564 |
| Noncurrent loans to loans | 1.2753% | 4,432 |
| Net loans and leases to total assets | 78.0873% | 1,806 |
| Net loans and leases to deposits | 89.6038% | 2,993 |
| Net loans and leases to core deposits | 135.0084% | 1,357 |
| Total domestic deposits to total assets | 87.1473% | 2,151 |
| Equity capital to assets | 8.0462% | 6,745 |
| Core capital (leverage) ratio | 8.0922% | 6,304 |
| Tier 1 risk-based capital ratio | 11.4020% | 5,509 |
| Total risk-based capital ratio | 12.6656% | 5,393 |
| Memoranda: | ||
| Average total assets | $54,636,000 | 6,685 |
| Average earning assets | $51,880,500 | 6,576 |
| Average equity | $4,572,000 | 7,264 |
| Average total loans | $44,077,000 | 6,055 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6175% | 332 |
| Cost of funding earning assets | 3.6651% | 300 |
| Net interest margin | 3.9524% | 3,349 |
| Noninterest income to average assets | 0.2591% | 6,598 |
| Noninterest expense to average assets | 2.4102% | 6,359 |
| Loan and lease loss provision to assets | 0.4820% | 2,890 |
| Net operating income to assets | 0.7090% | 3,854 |
| Return on assets (ROA) | 0.7090% | 3,685 |
| Pretax return on assets | 1.0966% | 3,036 |
| Return on Equity (ROE) | 8.3614% | 2,910 |
| Retained earnings to average equity (ytd only) | 3.3872% | 3,045 |
| Net charge-offs to loans | 0.1869% | 4,329 |
| Credit loss provision to net charge-offs | 292.6829% | 1,552 |
| Earnings coverage of net charge-offs (x) | 9.5854% | 2,666 |
| Efficiency ratio | 60.4230% | 6,274 |
| Assets per employee ($millions) | 4.4040% | 2,785 |
| Cash dividends to net income (ytd only)* | 59.4901% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2135% | 934 |
| Loan loss allowance to noncurrent loans | 233.4963% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 1.1561% | 3,959 |
| Noncurrent loans to loans | 0.9480% | 4,710 |
| Net loans and leases to total assets | 79.8308% | 1,697 |
| Net loans and leases to deposits | 92.6091% | 3,029 |
| Net loans and leases to core deposits | 128.9553% | 1,932 |
| Total domestic deposits to total assets | 86.2019% | 2,311 |
| Equity capital to assets | 8.7118% | 5,793 |
| Core capital (leverage) ratio | 8.3985% | 5,767 |
| Tier 1 risk-based capital ratio | 12.1298% | 4,719 |
| Total risk-based capital ratio | 13.3948% | 4,595 |
| Memoranda: | ||
| Average total assets | $49,788,200 | 6,785 |
| Average earning assets | $46,984,200 | 6,714 |
| Average equity | $4,221,800 | 7,421 |
| Average total loans | $43,865,800 | 5,989 |