Home > Pickens Savings and Loan Association, FA > Performance and Condition Ratios
Pickens Savings and Loan Association, FA, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1786% | 3,666 |
| Cost of funding earning assets | 1.0430% | 3,204 |
| Net interest margin | 3.1357% | 3,013 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.4073% | 2,574 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6461% | 3,319 |
| Return on assets (ROA) | 0.6461% | 3,298 |
| Pretax return on assets | 0.7620% | 3,308 |
| Return on Equity (ROE) | 7.7600% | 3,089 |
| Retained earnings to average equity (ytd only) | 6.6892% | 1,991 |
| Net charge-offs to loans | -0.0029% | 3,738 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.7943% | 1,265 |
| Assets per employee ($millions) | 6.5603% | 2,374 |
| Cash dividends to net income (ytd only)* | 13.8443% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 2,460 |
| Loan loss allowance to noncurrent loans | 16,820.0000% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 3,797 |
| Noncurrent loans to loans | 0.0070% | 3,724 |
| Net loans and leases to total assets | 57.0300% | 3,119 |
| Net loans and leases to deposits | 65.8295% | 3,178 |
| Net loans and leases to core deposits | 68.3599% | 3,383 |
| Total domestic deposits to total assets | 86.6300% | 1,810 |
| Equity capital to assets | 9.1075% | 2,604 |
| Core capital (leverage) ratio | 11.6352% | 1,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3467% | 459 |
| Memoranda: | ||
| Average total assets | $125,204,800 | 3,597 |
| Average earning assets | $117,359,200 | 3,569 |
| Average equity | $10,419,800 | 3,674 |
| Average total loans | $69,272,200 | 3,564 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1336% | 3,596 |
| Cost of funding earning assets | 0.9366% | 3,188 |
| Net interest margin | 3.1970% | 2,923 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.4157% | 2,478 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6818% | 3,365 |
| Return on assets (ROA) | 0.6818% | 3,348 |
| Pretax return on assets | 0.8074% | 3,319 |
| Return on Equity (ROE) | 8.3900% | 3,093 |
| Retained earnings to average equity (ytd only) | 6.9239% | 2,315 |
| Net charge-offs to loans | -0.0039% | 3,691 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 74.8018% | 1,291 |
| Assets per employee ($millions) | 6.2410% | 2,535 |
| Cash dividends to net income (ytd only)* | 17.4727% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 2,403 |
| Loan loss allowance to noncurrent loans | 753.5714% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 2,983 |
| Noncurrent loans to loans | 0.1582% | 2,760 |
| Net loans and leases to total assets | 56.0500% | 3,200 |
| Net loans and leases to deposits | 63.7195% | 3,285 |
| Net loans and leases to core deposits | 65.7416% | 3,443 |
| Total domestic deposits to total assets | 87.9600% | 1,588 |
| Equity capital to assets | 7.8281% | 3,163 |
| Core capital (leverage) ratio | 11.1457% | 1,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0044% | 489 |
| Memoranda: | ||
| Average total assets | $125,344,750 | 3,612 |
| Average earning assets | $117,441,750 | 3,586 |
| Average equity | $10,186,750 | 3,703 |
| Average total loans | $68,609,000 | 3,584 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0872% | 3,516 |
| Cost of funding earning assets | 0.8086% | 3,179 |
| Net interest margin | 3.2787% | 2,802 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.3933% | 2,508 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7600% | 3,195 |
| Return on assets (ROA) | 0.7600% | 3,214 |
| Pretax return on assets | 0.9019% | 3,161 |
| Return on Equity (ROE) | 9.2400% | 2,913 |
| Retained earnings to average equity (ytd only) | 7.0700% | 2,260 |
| Net charge-offs to loans | -0.0029% | 3,603 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.4371% | 1,513 |
| Assets per employee ($millions) | 6.0136% | 2,696 |
| Cash dividends to net income (ytd only)* | 23.4801% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 1,864 |
| Loan loss allowance to noncurrent loans | 2,195.1220% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 3,457 |
| Noncurrent loans to loans | 0.0599% | 3,268 |
| Net loans and leases to total assets | 53.4700% | 3,306 |
| Net loans and leases to deposits | 61.0115% | 3,363 |
| Net loans and leases to core deposits | 62.7602% | 3,505 |
| Total domestic deposits to total assets | 87.6500% | 1,726 |
| Equity capital to assets | 8.3145% | 3,014 |
| Core capital (leverage) ratio | 10.9391% | 1,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1578% | 476 |
| Memoranda: | ||
| Average total assets | $125,519,667 | 3,621 |
| Average earning assets | $117,487,333 | 3,597 |
| Average equity | $10,325,333 | 3,701 |
| Average total loans | $67,878,333 | 3,598 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0384% | 3,377 |
| Cost of funding earning assets | 0.6258% | 3,303 |
| Net interest margin | 3.4127% | 2,600 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.3718% | 2,602 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8695% | 2,960 |
| Return on assets (ROA) | 0.8695% | 2,913 |
| Pretax return on assets | 1.0389% | 2,890 |
| Return on Equity (ROE) | 10.6300% | 2,595 |
| Retained earnings to average equity (ytd only) | 6.2512% | 2,695 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.4184% | 1,811 |
| Assets per employee ($millions) | 6.3431% | 2,459 |
| Cash dividends to net income (ytd only)* | 41.1765% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 1,921 |
| Loan loss allowance to noncurrent loans | 2,140.4762% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 3,450 |
| Noncurrent loans to loans | 0.0619% | 3,292 |
| Net loans and leases to total assets | 52.7800% | 3,291 |
| Net loans and leases to deposits | 61.0661% | 3,275 |
| Net loans and leases to core deposits | 62.8292% | 3,399 |
| Total domestic deposits to total assets | 86.4300% | 2,462 |
| Equity capital to assets | 8.3547% | 3,000 |
| Core capital (leverage) ratio | 11.0083% | 1,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9634% | 505 |
| Memoranda: | ||
| Average total assets | $125,136,500 | 3,668 |
| Average earning assets | $116,976,500 | 3,646 |
| Average equity | $10,238,000 | 3,756 |
| Average total loans | $67,602,500 | 3,647 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4580% | 3,186 |
| Cost of funding earning assets | 0.2492% | 3,328 |
| Net interest margin | 3.2088% | 2,845 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.3393% | 2,620 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8011% | 3,322 |
| Return on assets (ROA) | 0.8011% | 3,248 |
| Pretax return on assets | 0.9334% | 3,262 |
| Return on Equity (ROE) | 9.1300% | 3,090 |
| Retained earnings to average equity (ytd only) | 8.1508% | 1,775 |
| Net charge-offs to loans | 0.0095% | 2,019 |
| Credit loss provision to net charge-offs | 16.6667% | 1,942 |
| Earnings coverage of net charge-offs (x) | 189.5000% | 677 |
| Efficiency ratio | 71.2349% | 1,535 |
| Assets per employee ($millions) | 6.4953% | 2,336 |
| Cash dividends to net income (ytd only)* | 10.7692% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 1,735 |
| Loan loss allowance to noncurrent loans | 90,000.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 3,952 |
| Noncurrent loans to loans | 0.0015% | 3,888 |
| Net loans and leases to total assets | 53.8400% | 3,212 |
| Net loans and leases to deposits | 61.2291% | 3,258 |
| Net loans and leases to core deposits | 62.6847% | 3,349 |
| Total domestic deposits to total assets | 87.9400% | 2,088 |
| Equity capital to assets | 8.0033% | 3,058 |
| Core capital (leverage) ratio | 11.0188% | 1,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0306% | 476 |
| Memoranda: | ||
| Average total assets | $121,702,200 | 3,710 |
| Average earning assets | $114,778,600 | 3,678 |
| Average equity | $10,673,800 | 3,792 |
| Average total loans | $63,070,800 | 3,681 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3191% | 3,128 |
| Cost of funding earning assets | 0.1921% | 3,371 |
| Net interest margin | 3.1270% | 2,841 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.3527% | 2,462 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7256% | 3,493 |
| Return on assets (ROA) | 0.7256% | 3,442 |
| Pretax return on assets | 0.8300% | 3,509 |
| Return on Equity (ROE) | 8.0900% | 3,300 |
| Retained earnings to average equity (ytd only) | 6.8057% | 2,446 |
| Net charge-offs to loans | 0.0043% | 2,043 |
| Credit loss provision to net charge-offs | 100.0000% | 1,321 |
| Earnings coverage of net charge-offs (x) | 378.5000% | 407 |
| Efficiency ratio | 73.6279% | 1,320 |
| Assets per employee ($millions) | 6.3225% | 2,468 |
| Cash dividends to net income (ytd only)* | 15.9091% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 1,850 |
| 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 | 55.5200% | 2,953 |
| Net loans and leases to deposits | 63.6915% | 2,893 |
| Net loans and leases to core deposits | 64.3496% | 3,084 |
| Total domestic deposits to total assets | 87.1800% | 2,704 |
| Equity capital to assets | 7.6127% | 3,147 |
| Core capital (leverage) ratio | 10.7654% | 1,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3998% | 529 |
| Memoranda: | ||
| Average total assets | $121,275,000 | 3,740 |
| Average earning assets | $114,527,750 | 3,710 |
| Average equity | $10,873,000 | 3,822 |
| Average total loans | $62,001,750 | 3,719 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2024% | 3,039 |
| Cost of funding earning assets | 0.1911% | 3,032 |
| Net interest margin | 3.0113% | 2,841 |
| Noninterest income to average assets | 0.2302% | 3,810 |
| Noninterest expense to average assets | 2.2950% | 2,567 |
| Loan and lease loss provision to assets | 0.0049% | 2,515 |
| Net operating income to assets | 0.6855% | 3,357 |
| Return on assets (ROA) | 0.6855% | 3,309 |
| Pretax return on assets | 0.7792% | 3,376 |
| Return on Equity (ROE) | 7.2845% | 3,225 |
| Retained earnings to average equity (ytd only) | 5.4503% | 2,535 |
| Net charge-offs to loans | 0.0100% | 1,613 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 159.0000% | 614 |
| Efficiency ratio | 74.3193% | 1,476 |
| Assets per employee ($millions) | 6.3795% | 2,406 |
| Cash dividends to net income (ytd only)* | 25.1799% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4491% | 1,560 |
| Loan loss allowance to noncurrent loans | 870.1923% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 3,124 |
| Noncurrent loans to loans | 0.1665% | 2,858 |
| Net loans and leases to total assets | 50.7776% | 3,290 |
| Net loans and leases to deposits | 57.5850% | 3,257 |
| Net loans and leases to core deposits | 58.1679% | 3,414 |
| Total domestic deposits to total assets | 88.1785% | 2,505 |
| Equity capital to assets | 8.3095% | 2,899 |
| Core capital (leverage) ratio | 10.3567% | 2,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5451% | 445 |
| Memoranda: | ||
| Average total assets | $121,657,333 | 3,785 |
| Average earning assets | $115,101,333 | 3,760 |
| Average equity | $11,449,000 | 3,837 |
| Average total loans | $60,134,333 | 3,781 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1022% | 2,979 |
| Cost of funding earning assets | 0.1939% | 2,876 |
| Net interest margin | 2.9083% | 2,811 |
| Noninterest income to average assets | 0.2297% | 3,774 |
| Noninterest expense to average assets | 2.2941% | 2,523 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6203% | 3,326 |
| Return on assets (ROA) | 0.6203% | 3,310 |
| Pretax return on assets | 0.6925% | 3,415 |
| Return on Equity (ROE) | 6.2286% | 3,278 |
| Retained earnings to average equity (ytd only) | 2.7683% | 3,342 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5934% | 1,458 |
| Assets per employee ($millions) | 6.1359% | 2,670 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5151% | 1,509 |
| Loan loss allowance to noncurrent loans | 2,381.5789% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0310% | 3,725 |
| Noncurrent loans to loans | 0.0636% | 3,537 |
| Net loans and leases to total assets | 47.9388% | 3,392 |
| Net loans and leases to deposits | 54.9167% | 3,350 |
| Net loans and leases to core deposits | 55.8829% | 3,456 |
| Total domestic deposits to total assets | 87.2935% | 2,818 |
| Equity capital to assets | 9.1805% | 2,543 |
| Core capital (leverage) ratio | 10.0358% | 2,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2721% | 415 |
| Memoranda: | ||
| Average total assets | $121,880,500 | 3,800 |
| Average earning assets | $115,532,500 | 3,774 |
| Average equity | $12,137,500 | 3,847 |
| Average total loans | $58,975,000 | 3,805 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4197% | 2,884 |
| Cost of funding earning assets | 0.2762% | 2,639 |
| Net interest margin | 3.1435% | 2,754 |
| Noninterest income to average assets | 0.2480% | 3,885 |
| Noninterest expense to average assets | 2.4984% | 2,188 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6475% | 3,754 |
| Return on assets (ROA) | 0.6490% | 3,810 |
| Pretax return on assets | 0.7387% | 3,859 |
| Return on Equity (ROE) | 5.9519% | 3,787 |
| Retained earnings to average equity (ytd only) | 5.1913% | 2,714 |
| Net charge-offs to loans | -0.0968% | 4,574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9556% | 1,028 |
| Assets per employee ($millions) | 6.0522% | 2,715 |
| Cash dividends to net income (ytd only)* | 12.7800% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5546% | 1,372 |
| Loan loss allowance to noncurrent loans | 3,934.7826% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 3,945 |
| Noncurrent loans to loans | 0.0395% | 3,794 |
| Net loans and leases to total assets | 47.3472% | 3,560 |
| Net loans and leases to deposits | 55.2225% | 3,495 |
| Net loans and leases to core deposits | 56.0844% | 3,610 |
| Total domestic deposits to total assets | 85.7391% | 2,998 |
| Equity capital to assets | 10.7473% | 1,979 |
| Core capital (leverage) ratio | 10.1262% | 2,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9594% | 402 |
| Memoranda: | ||
| Average total assets | $116,955,000 | 3,833 |
| Average earning assets | $111,149,000 | 3,800 |
| Average equity | $12,752,200 | 3,848 |
| Average total loans | $59,926,000 | 3,815 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5020% | 2,838 |
| Cost of funding earning assets | 0.2990% | 2,602 |
| Net interest margin | 3.2030% | 2,720 |
| Noninterest income to average assets | 0.2392% | 3,970 |
| Noninterest expense to average assets | 2.5520% | 1,974 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6396% | 3,928 |
| Return on assets (ROA) | 0.6406% | 3,982 |
| Pretax return on assets | 0.7314% | 4,011 |
| Return on Equity (ROE) | 5.8532% | 3,951 |
| Retained earnings to average equity (ytd only) | 4.8338% | 3,278 |
| Net charge-offs to loans | -0.1281% | 4,692 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4702% | 919 |
| Assets per employee ($millions) | 5.9545% | 2,737 |
| Cash dividends to net income (ytd only)* | 17.4147% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5244% | 1,537 |
| Loan loss allowance to noncurrent loans | 8,227.2727% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 4,177 |
| Noncurrent loans to loans | 0.0185% | 4,063 |
| Net loans and leases to total assets | 49.0923% | 3,518 |
| Net loans and leases to deposits | 57.4066% | 3,455 |
| Net loans and leases to core deposits | 58.3194% | 3,597 |
| Total domestic deposits to total assets | 85.5168% | 2,938 |
| Equity capital to assets | 10.8699% | 2,106 |
| Core capital (leverage) ratio | 9.9861% | 2,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1040% | 481 |
| Memoranda: | ||
| Average total assets | $115,932,750 | 3,889 |
| Average earning assets | $110,144,750 | 3,855 |
| Average equity | $12,688,000 | 3,914 |
| Average total loans | $60,353,500 | 3,860 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6473% | 2,477 |
| Cost of funding earning assets | 0.3336% | 2,457 |
| Net interest margin | 3.3137% | 2,399 |
| Noninterest income to average assets | 0.2385% | 3,975 |
| Noninterest expense to average assets | 2.5557% | 1,978 |
| Loan and lease loss provision to assets | -0.0017% | 4,380 |
| Net operating income to assets | 0.7120% | 3,731 |
| Return on assets (ROA) | 0.7120% | 3,799 |
| Pretax return on assets | 0.8322% | 3,799 |
| Return on Equity (ROE) | 6.4909% | 3,789 |
| Retained earnings to average equity (ytd only) | 4.9515% | 3,202 |
| Net charge-offs to loans | -0.1945% | 4,792 |
| Credit loss provision to net charge-offs | 1.6949% | 1,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2185% | 1,150 |
| Assets per employee ($millions) | 5.8665% | 2,746 |
| Cash dividends to net income (ytd only)* | 23.7164% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4898% | 1,623 |
| Loan loss allowance to noncurrent loans | 1,274.6479% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 3,825 |
| Noncurrent loans to loans | 0.1169% | 3,605 |
| Net loans and leases to total assets | 51.0014% | 3,447 |
| Net loans and leases to deposits | 59.7569% | 3,410 |
| Net loans and leases to core deposits | 60.7266% | 3,567 |
| Total domestic deposits to total assets | 85.3482% | 2,963 |
| Equity capital to assets | 10.9529% | 2,016 |
| Core capital (leverage) ratio | 9.9155% | 2,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6453% | 505 |
| Memoranda: | ||
| Average total assets | $114,880,333 | 3,918 |
| Average earning assets | $109,122,000 | 3,887 |
| Average equity | $12,602,333 | 3,934 |
| Average total loans | $60,681,667 | 3,885 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6710% | 2,433 |
| Cost of funding earning assets | 0.3600% | 2,444 |
| Net interest margin | 3.3110% | 2,356 |
| Noninterest income to average assets | 0.2182% | 4,086 |
| Noninterest expense to average assets | 2.5656% | 1,971 |
| Loan and lease loss provision to assets | -0.0035% | 4,557 |
| Net operating income to assets | 0.6722% | 3,776 |
| Return on assets (ROA) | 0.6722% | 3,845 |
| Pretax return on assets | 0.7954% | 3,821 |
| Return on Equity (ROE) | 6.1228% | 3,826 |
| Retained earnings to average equity (ytd only) | 3.0133% | 3,780 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1006% | 1,125 |
| Assets per employee ($millions) | 5.7807% | 2,816 |
| Cash dividends to net income (ytd only)* | 50.7853% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3873% | 2,017 |
| Loan loss allowance to noncurrent loans | 480.6818% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.1522% | 3,403 |
| Noncurrent loans to loans | 0.2886% | 3,069 |
| Net loans and leases to total assets | 52.0140% | 3,451 |
| Net loans and leases to deposits | 61.7866% | 3,341 |
| Net loans and leases to core deposits | 62.8173% | 3,513 |
| Total domestic deposits to total assets | 84.1834% | 3,376 |
| Equity capital to assets | 10.6355% | 2,140 |
| Core capital (leverage) ratio | 10.1787% | 2,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0538% | 509 |
| Memoranda: | ||
| Average total assets | $113,655,500 | 3,933 |
| Average earning assets | $107,763,000 | 3,903 |
| Average equity | $12,478,000 | 3,958 |
| Average total loans | $60,650,000 | 3,906 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6733% | 3,648 |
| Cost of funding earning assets | 0.5906% | 2,384 |
| Net interest margin | 3.0826% | 3,668 |
| Noninterest income to average assets | 0.2318% | 4,111 |
| Noninterest expense to average assets | 2.6006% | 2,546 |
| Loan and lease loss provision to assets | 0.0019% | 4,307 |
| Net operating income to assets | 0.4848% | 4,056 |
| Return on assets (ROA) | 0.5284% | 4,056 |
| Pretax return on assets | 0.5819% | 4,115 |
| Return on Equity (ROE) | 4.6752% | 3,986 |
| Retained earnings to average equity (ytd only) | 3.9029% | 2,872 |
| Net charge-offs to loans | 0.0086% | 3,024 |
| Credit loss provision to net charge-offs | 40.0000% | 3,188 |
| Earnings coverage of net charge-offs (x) | 114.2000% | 726 |
| Efficiency ratio | 82.5853% | 713 |
| Assets per employee ($millions) | 5.5849% | 2,759 |
| Cash dividends to net income (ytd only)* | 16.5187% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4042% | 1,956 |
| Loan loss allowance to noncurrent loans | 205.0847% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 2,500 |
| Noncurrent loans to loans | 0.6847% | 1,975 |
| Net loans and leases to total assets | 53.2436% | 3,558 |
| Net loans and leases to deposits | 64.8833% | 3,368 |
| Net loans and leases to core deposits | 65.8364% | 3,553 |
| Total domestic deposits to total assets | 82.0606% | 3,648 |
| Equity capital to assets | 11.3341% | 1,999 |
| Core capital (leverage) ratio | 10.2959% | 2,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7326% | 524 |
| Memoranda: | ||
| Average total assets | $106,554,200 | 3,911 |
| Average earning assets | $100,401,000 | 3,890 |
| Average equity | $12,042,200 | 3,971 |
| Average total loans | $58,313,800 | 3,949 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7045% | 3,791 |
| Cost of funding earning assets | 0.6378% | 2,387 |
| Net interest margin | 3.0667% | 3,821 |
| Noninterest income to average assets | 0.2267% | 4,137 |
| Noninterest expense to average assets | 2.5952% | 2,544 |
| Loan and lease loss provision to assets | 0.0028% | 4,223 |
| Net operating income to assets | 0.4624% | 4,137 |
| Return on assets (ROA) | 0.5206% | 4,076 |
| Pretax return on assets | 0.5801% | 4,138 |
| Return on Equity (ROE) | 4.6097% | 3,999 |
| Retained earnings to average equity (ytd only) | 3.5666% | 3,271 |
| Net charge-offs to loans | 0.0115% | 2,690 |
| Credit loss provision to net charge-offs | 40.0000% | 2,925 |
| Earnings coverage of net charge-offs (x) | 81.8000% | 909 |
| Efficiency ratio | 82.9943% | 673 |
| Assets per employee ($millions) | 5.4660% | 2,741 |
| Cash dividends to net income (ytd only)* | 22.6277% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 1,664 |
| Loan loss allowance to noncurrent loans | 256.6667% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.3019% | 2,945 |
| Noncurrent loans to loans | 0.5519% | 2,414 |
| Net loans and leases to total assets | 53.9211% | 3,809 |
| Net loans and leases to deposits | 66.1015% | 3,613 |
| Net loans and leases to core deposits | 67.2953% | 3,805 |
| Total domestic deposits to total assets | 81.5732% | 3,527 |
| Equity capital to assets | 11.2533% | 2,188 |
| Core capital (leverage) ratio | 10.2731% | 2,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8825% | 520 |
| Memoranda: | ||
| Average total assets | $105,268,250 | 3,927 |
| Average earning assets | $99,084,000 | 3,903 |
| Average equity | $11,887,750 | 3,995 |
| Average total loans | $57,812,500 | 3,973 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6951% | 4,100 |
| Cost of funding earning assets | 0.6821% | 2,489 |
| Net interest margin | 3.0130% | 4,097 |
| Noninterest income to average assets | 0.2252% | 4,138 |
| Noninterest expense to average assets | 2.6155% | 2,614 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4071% | 4,221 |
| Return on assets (ROA) | 0.4850% | 4,127 |
| Pretax return on assets | 0.5254% | 4,208 |
| Return on Equity (ROE) | 4.2895% | 4,026 |
| Retained earnings to average equity (ytd only) | 2.7065% | 3,498 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2015% | 575 |
| Assets per employee ($millions) | 5.4198% | 2,718 |
| Cash dividends to net income (ytd only)* | 36.9048% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4488% | 1,412 |
| Loan loss allowance to noncurrent loans | 305.7554% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.2565% | 3,286 |
| Noncurrent loans to loans | 0.4738% | 2,729 |
| Net loans and leases to total assets | 53.3429% | 3,932 |
| Net loans and leases to deposits | 65.4350% | 3,769 |
| Net loans and leases to core deposits | 66.6256% | 3,947 |
| Total domestic deposits to total assets | 81.5204% | 3,491 |
| Equity capital to assets | 11.1214% | 2,236 |
| Core capital (leverage) ratio | 10.5202% | 2,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7460% | 520 |
| Memoranda: | ||
| Average total assets | $103,918,000 | 3,943 |
| Average earning assets | $97,642,000 | 3,914 |
| Average equity | $11,749,667 | 4,017 |
| Average total loans | $57,152,333 | 3,996 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8837% | 4,068 |
| Cost of funding earning assets | 0.7348% | 2,758 |
| Net interest margin | 3.1490% | 3,984 |
| Noninterest income to average assets | 0.2478% | 4,068 |
| Noninterest expense to average assets | 2.6711% | 2,778 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4799% | 3,945 |
| Return on assets (ROA) | 0.4799% | 3,999 |
| Pretax return on assets | 0.5271% | 4,075 |
| Return on Equity (ROE) | 4.2080% | 3,898 |
| Retained earnings to average equity (ytd only) | 4.2080% | 2,601 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1488% | 894 |
| Assets per employee ($millions) | 5.1268% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 1,348 |
| Loan loss allowance to noncurrent loans | 238.0952% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.3482% | 3,045 |
| Noncurrent loans to loans | 0.6300% | 2,411 |
| Net loans and leases to total assets | 54.4404% | 3,948 |
| Net loans and leases to deposits | 67.4558% | 3,765 |
| Net loans and leases to core deposits | 68.9821% | 3,938 |
| Total domestic deposits to total assets | 80.7053% | 3,723 |
| Equity capital to assets | 11.5364% | 2,408 |
| Core capital (leverage) ratio | 10.9338% | 2,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3018% | 543 |
| Memoranda: | ||
| Average total assets | $101,679,500 | 3,967 |
| Average earning assets | $95,269,000 | 3,938 |
| Average equity | $11,597,000 | 4,052 |
| Average total loans | $56,393,000 | 4,023 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1727% | 3,877 |
| Cost of funding earning assets | 0.7442% | 2,950 |
| Net interest margin | 3.4286% | 3,655 |
| Noninterest income to average assets | 0.3180% | 3,793 |
| Noninterest expense to average assets | 2.8995% | 2,297 |
| Loan and lease loss provision to assets | 0.0032% | 3,936 |
| Net operating income to assets | 0.5495% | 4,288 |
| Return on assets (ROA) | 0.5801% | 4,273 |
| Pretax return on assets | 0.6612% | 4,301 |
| Return on Equity (ROE) | 4.9834% | 4,212 |
| Retained earnings to average equity (ytd only) | 4.1423% | 2,890 |
| Net charge-offs to loans | -0.0019% | 4,218 |
| Credit loss provision to net charge-offs | -300.0000% | 4,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1301% | 792 |
| Assets per employee ($millions) | 5.0412% | 2,543 |
| Cash dividends to net income (ytd only)* | 16.8784% | 3,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5165% | 1,174 |
| Loan loss allowance to noncurrent loans | 250.2941% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.3372% | 3,066 |
| Noncurrent loans to loans | 0.6059% | 2,367 |
| Net loans and leases to total assets | 54.8129% | 4,020 |
| Net loans and leases to deposits | 68.5743% | 3,771 |
| Net loans and leases to core deposits | 69.6828% | 3,975 |
| Total domestic deposits to total assets | 79.9322% | 3,993 |
| Equity capital to assets | 11.2722% | 2,742 |
| Core capital (leverage) ratio | 11.2309% | 2,310 |
| Tier 1 risk-based capital ratio | 21.5891% | 1,072 |
| Total risk-based capital ratio | 22.8466% | 1,048 |
| Memoranda: | ||
| Average total assets | $94,982,400 | 4,075 |
| Average earning assets | $88,958,800 | 4,059 |
| Average equity | $11,056,600 | 4,121 |
| Average total loans | $53,992,000 | 4,101 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2189% | 3,882 |
| Cost of funding earning assets | 0.7325% | 3,056 |
| Net interest margin | 3.4863% | 3,603 |
| Noninterest income to average assets | 0.3507% | 3,629 |
| Noninterest expense to average assets | 2.9098% | 2,230 |
| Loan and lease loss provision to assets | 0.0185% | 3,537 |
| Net operating income to assets | 0.5964% | 4,301 |
| Return on assets (ROA) | 0.6344% | 4,250 |
| Pretax return on assets | 0.7371% | 4,267 |
| Return on Equity (ROE) | 5.4039% | 4,215 |
| Retained earnings to average equity (ytd only) | 4.2745% | 3,261 |
| Net charge-offs to loans | -0.0025% | 4,080 |
| Credit loss provision to net charge-offs | -1,300.0000% | 4,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3543% | 892 |
| Assets per employee ($millions) | 4.7838% | 2,816 |
| Cash dividends to net income (ytd only)* | 20.8993% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5800% | 1,029 |
| Loan loss allowance to noncurrent loans | 562.0915% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.1599% | 3,940 |
| Noncurrent loans to loans | 0.2811% | 3,532 |
| Net loans and leases to total assets | 55.9921% | 4,046 |
| Net loans and leases to deposits | 72.1835% | 3,603 |
| Net loans and leases to core deposits | 73.7111% | 3,846 |
| Total domestic deposits to total assets | 77.5691% | 4,431 |
| Equity capital to assets | 11.8922% | 2,333 |
| Core capital (leverage) ratio | 11.8825% | 1,931 |
| Tier 1 risk-based capital ratio | 22.0540% | 1,066 |
| Total risk-based capital ratio | 23.3088% | 1,035 |
| Memoranda: | ||
| Average total assets | $93,522,250 | 4,141 |
| Average earning assets | $87,731,000 | 4,121 |
| Average equity | $10,979,500 | 4,163 |
| Average total loans | $53,461,250 | 4,164 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2278% | 3,851 |
| Cost of funding earning assets | 0.7230% | 3,027 |
| Net interest margin | 3.5047% | 3,580 |
| Noninterest income to average assets | 0.4095% | 3,216 |
| Noninterest expense to average assets | 2.9180% | 2,235 |
| Loan and lease loss provision to assets | 0.0022% | 3,662 |
| Net operating income to assets | 0.6705% | 4,102 |
| Return on assets (ROA) | 0.6724% | 4,142 |
| Pretax return on assets | 0.7715% | 4,159 |
| Return on Equity (ROE) | 5.7529% | 4,133 |
| Retained earnings to average equity (ytd only) | 4.0381% | 3,227 |
| Net charge-offs to loans | -0.0075% | 4,239 |
| Credit loss provision to net charge-offs | -50.0000% | 3,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0888% | 1,054 |
| Assets per employee ($millions) | 4.6328% | 2,958 |
| Cash dividends to net income (ytd only)* | 29.8077% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5756% | 1,084 |
| Loan loss allowance to noncurrent loans | 1,161.6438% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0788% | 4,369 |
| Noncurrent loans to loans | 0.1356% | 4,069 |
| Net loans and leases to total assets | 57.1728% | 3,991 |
| Net loans and leases to deposits | 72.4579% | 3,646 |
| Net loans and leases to core deposits | 73.7460% | 3,907 |
| Total domestic deposits to total assets | 78.9048% | 4,241 |
| Equity capital to assets | 12.0629% | 2,139 |
| Core capital (leverage) ratio | 11.7673% | 1,972 |
| Tier 1 risk-based capital ratio | 21.9246% | 1,063 |
| Total risk-based capital ratio | 23.1802% | 1,036 |
| Memoranda: | ||
| Average total assets | $92,804,330 | 4,179 |
| Average earning assets | $86,854,330 | 4,155 |
| Average equity | $10,846,670 | 4,192 |
| Average total loans | $53,138,000 | 4,198 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1891% | 3,907 |
| Cost of funding earning assets | 0.7013% | 3,051 |
| Net interest margin | 3.4878% | 3,626 |
| Noninterest income to average assets | 0.2153% | 4,456 |
| Noninterest expense to average assets | 2.6917% | 2,931 |
| Loan and lease loss provision to assets | 0.0043% | 3,367 |
| Net operating income to assets | 0.6681% | 4,030 |
| Return on assets (ROA) | 0.6718% | 4,057 |
| Pretax return on assets | 0.7795% | 4,095 |
| Return on Equity (ROE) | 5.8419% | 4,069 |
| Retained earnings to average equity (ytd only) | 2.3592% | 3,964 |
| Net charge-offs to loans | -0.0076% | 4,128 |
| Credit loss provision to net charge-offs | -100.0000% | 3,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5434% | 1,318 |
| Assets per employee ($millions) | 4.9076% | 2,634 |
| Cash dividends to net income (ytd only)* | 59.6154% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6251% | 1,016 |
| Loan loss allowance to noncurrent loans | 997.6471% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.8504% | 1,665 |
| Noncurrent loans to loans | 0.1629% | 4,014 |
| Net loans and leases to total assets | 55.0528% | 4,133 |
| Net loans and leases to deposits | 69.3290% | 3,823 |
| Net loans and leases to core deposits | 70.2994% | 4,070 |
| Total domestic deposits to total assets | 79.4080% | 4,272 |
| Equity capital to assets | 11.5588% | 2,345 |
| Core capital (leverage) ratio | 11.6356% | 2,028 |
| Tier 1 risk-based capital ratio | 21.5974% | 1,098 |
| Total risk-based capital ratio | 22.8537% | 1,080 |
| Memoranda: | ||
| Average total assets | $92,878,500 | 4,217 |
| Average earning assets | $86,701,500 | 4,209 |
| Average equity | $10,681,500 | 4,241 |
| Average total loans | $52,796,000 | 4,248 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0775% | 3,810 |
| Cost of funding earning assets | 0.5311% | 3,171 |
| Net interest margin | 3.5464% | 3,557 |
| Noninterest income to average assets | 0.1978% | 4,719 |
| Noninterest expense to average assets | 2.8969% | 2,362 |
| Loan and lease loss provision to assets | -0.0551% | 5,204 |
| Net operating income to assets | 0.6255% | 4,345 |
| Return on assets (ROA) | 0.5967% | 4,437 |
| Pretax return on assets | 0.6518% | 4,530 |
| Return on Equity (ROE) | 5.3247% | 4,379 |
| Retained earnings to average equity (ytd only) | 4.5337% | 3,033 |
| Net charge-offs to loans | -0.0284% | 4,797 |
| Credit loss provision to net charge-offs | 340.0000% | 923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1834% | 788 |
| Assets per employee ($millions) | 4.8691% | 2,654 |
| Cash dividends to net income (ytd only)* | 14.8551% | 3,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5840% | 1,061 |
| Loan loss allowance to noncurrent loans | 281.0631% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 1.1058% | 1,213 |
| Noncurrent loans to loans | 0.5636% | 2,582 |
| Net loans and leases to total assets | 56.8186% | 4,064 |
| Net loans and leases to deposits | 71.3816% | 3,720 |
| Net loans and leases to core deposits | 72.1339% | 3,982 |
| Total domestic deposits to total assets | 79.5983% | 4,194 |
| Equity capital to assets | 11.4418% | 2,299 |
| Core capital (leverage) ratio | 11.4083% | 2,172 |
| Tier 1 risk-based capital ratio | 21.1608% | 1,134 |
| Total risk-based capital ratio | 22.4170% | 1,120 |
| Memoranda: | ||
| Average total assets | $92,513,200 | 4,230 |
| Average earning assets | $86,793,000 | 4,206 |
| Average equity | $10,366,800 | 4,254 |
| Average total loans | $52,797,000 | 4,246 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0474% | 3,793 |
| Cost of funding earning assets | 0.5015% | 3,186 |
| Net interest margin | 3.5459% | 3,532 |
| Noninterest income to average assets | 0.1989% | 4,781 |
| Noninterest expense to average assets | 2.8896% | 2,332 |
| Loan and lease loss provision to assets | -0.0735% | 5,321 |
| Net operating income to assets | 0.6553% | 4,349 |
| Return on assets (ROA) | 0.6168% | 4,464 |
| Pretax return on assets | 0.6730% | 4,596 |
| Return on Equity (ROE) | 5.5337% | 4,409 |
| Retained earnings to average equity (ytd only) | 4.4735% | 3,512 |
| Net charge-offs to loans | -0.1393% | 5,230 |
| Credit loss provision to net charge-offs | 92.7273% | 2,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8367% | 787 |
| Assets per employee ($millions) | 4.8817% | 2,617 |
| Cash dividends to net income (ytd only)* | 19.1589% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6676% | 934 |
| Loan loss allowance to noncurrent loans | 106.8758% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.9100% | 1,625 |
| Noncurrent loans to loans | 1.5603% | 1,023 |
| Net loans and leases to total assets | 56.3276% | 4,185 |
| Net loans and leases to deposits | 69.7819% | 3,933 |
| Net loans and leases to core deposits | 70.5032% | 4,158 |
| Total domestic deposits to total assets | 80.7196% | 3,947 |
| Equity capital to assets | 11.1006% | 2,575 |
| Core capital (leverage) ratio | 11.2329% | 2,388 |
| Tier 1 risk-based capital ratio | 21.1200% | 1,169 |
| Total risk-based capital ratio | 22.3763% | 1,146 |
| Memoranda: | ||
| Average total assets | $92,513,500 | 4,274 |
| Average earning assets | $86,934,250 | 4,249 |
| Average equity | $10,312,250 | 4,306 |
| Average total loans | $52,643,750 | 4,298 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0165% | 3,736 |
| Cost of funding earning assets | 0.4718% | 3,212 |
| Net interest margin | 3.5446% | 3,479 |
| Noninterest income to average assets | 0.1753% | 4,943 |
| Noninterest expense to average assets | 2.8975% | 2,362 |
| Loan and lease loss provision to assets | -0.1104% | 5,431 |
| Net operating income to assets | 0.6728% | 4,274 |
| Return on assets (ROA) | 0.6124% | 4,464 |
| Pretax return on assets | 0.6557% | 4,626 |
| Return on Equity (ROE) | 5.4903% | 4,415 |
| Retained earnings to average equity (ytd only) | 3.8995% | 3,653 |
| Net charge-offs to loans | -0.2020% | 5,327 |
| Credit loss provision to net charge-offs | 96.2264% | 2,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6033% | 795 |
| Assets per employee ($millions) | 4.8336% | 2,642 |
| Cash dividends to net income (ytd only)* | 28.9753% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6796% | 937 |
| Loan loss allowance to noncurrent loans | 102.1965% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 1.1041% | 1,341 |
| Noncurrent loans to loans | 1.6435% | 973 |
| Net loans and leases to total assets | 56.3470% | 4,134 |
| Net loans and leases to deposits | 70.1544% | 3,840 |
| Net loans and leases to core deposits | 70.8886% | 4,087 |
| Total domestic deposits to total assets | 80.3186% | 4,173 |
| Equity capital to assets | 11.2274% | 2,427 |
| Core capital (leverage) ratio | 11.2542% | 2,299 |
| Tier 1 risk-based capital ratio | 20.7265% | 1,218 |
| Total risk-based capital ratio | 21.9826% | 1,190 |
| Memoranda: | ||
| Average total assets | $92,425,330 | 4,309 |
| Average earning assets | $86,892,330 | 4,278 |
| Average equity | $10,309,000 | 4,339 |
| Average total loans | $52,481,330 | 4,337 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9694% | 3,722 |
| Cost of funding earning assets | 0.4533% | 3,183 |
| Net interest margin | 3.5162% | 3,478 |
| Noninterest income to average assets | 0.2157% | 4,720 |
| Noninterest expense to average assets | 2.8599% | 2,494 |
| Loan and lease loss provision to assets | -0.2200% | 5,558 |
| Net operating income to assets | 0.7521% | 3,904 |
| Return on assets (ROA) | 0.5651% | 4,531 |
| Pretax return on assets | 0.6686% | 4,524 |
| Return on Equity (ROE) | 5.0770% | 4,460 |
| Retained earnings to average equity (ytd only) | 1.8990% | 4,387 |
| Net charge-offs to loans | 0.0611% | 1,492 |
| Credit loss provision to net charge-offs | -637.5000% | 4,067 |
| Earnings coverage of net charge-offs (x) | 19.3750% | 1,506 |
| Efficiency ratio | 81.0513% | 1,038 |
| Assets per employee ($millions) | 4.8729% | 2,643 |
| Cash dividends to net income (ytd only)* | 62.5954% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5609% | 1,255 |
| Loan loss allowance to noncurrent loans | 87.2747% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 1.1795% | 1,299 |
| Noncurrent loans to loans | 1.7885% | 941 |
| Net loans and leases to total assets | 56.0588% | 4,117 |
| Net loans and leases to deposits | 69.8913% | 3,795 |
| Net loans and leases to core deposits | 70.6169% | 4,051 |
| Total domestic deposits to total assets | 80.2085% | 4,381 |
| Equity capital to assets | 11.0579% | 2,525 |
| Core capital (leverage) ratio | 11.0769% | 2,352 |
| Tier 1 risk-based capital ratio | 20.8238% | 1,228 |
| Total risk-based capital ratio | 22.0785% | 1,207 |
| Memoranda: | ||
| Average total assets | $92,732,000 | 4,355 |
| Average earning assets | $87,368,000 | 4,315 |
| Average equity | $10,321,000 | 4,379 |
| Average total loans | $52,406,000 | 4,382 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8231% | 3,968 |
| Cost of funding earning assets | 0.4413% | 2,864 |
| Net interest margin | 3.3818% | 3,905 |
| Noninterest income to average assets | 0.2636% | 4,556 |
| Noninterest expense to average assets | 2.8473% | 2,618 |
| Loan and lease loss provision to assets | 0.0011% | 4,217 |
| Net operating income to assets | 0.4568% | 4,504 |
| Return on assets (ROA) | 0.4568% | 4,538 |
| Pretax return on assets | 0.6051% | 4,732 |
| Return on Equity (ROE) | 4.1738% | 4,453 |
| Retained earnings to average equity (ytd only) | 3.4522% | 3,216 |
| Net charge-offs to loans | 0.1756% | 1,417 |
| Credit loss provision to net charge-offs | 1.0638% | 3,703 |
| Earnings coverage of net charge-offs (x) | 6.0426% | 3,236 |
| Efficiency ratio | 82.4475% | 893 |
| Assets per employee ($millions) | 4.8884% | 2,618 |
| Cash dividends to net income (ytd only)* | 17.2897% | 3,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6914% | 962 |
| Loan loss allowance to noncurrent loans | 88.9899% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 1.2199% | 1,203 |
| Noncurrent loans to loans | 1.9007% | 817 |
| Net loans and leases to total assets | 55.1319% | 4,260 |
| Net loans and leases to deposits | 69.5772% | 3,911 |
| Net loans and leases to core deposits | 70.5482% | 4,139 |
| Total domestic deposits to total assets | 79.2386% | 4,493 |
| Equity capital to assets | 11.2017% | 2,427 |
| Core capital (leverage) ratio | 10.9228% | 2,407 |
| Tier 1 risk-based capital ratio | 20.0240% | 1,317 |
| Total risk-based capital ratio | 21.2803% | 1,277 |
| Memoranda: | ||
| Average total assets | $93,704,400 | 4,354 |
| Average earning assets | $88,384,400 | 4,326 |
| Average equity | $10,254,400 | 4,414 |
| Average total loans | $53,545,600 | 4,379 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8273% | 3,909 |
| Cost of funding earning assets | 0.4380% | 2,830 |
| Net interest margin | 3.3894% | 3,885 |
| Noninterest income to average assets | 0.2698% | 4,579 |
| Noninterest expense to average assets | 2.8253% | 2,644 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5494% | 4,576 |
| Return on assets (ROA) | 0.5494% | 4,609 |
| Pretax return on assets | 0.6417% | 4,754 |
| Return on Equity (ROE) | 5.0503% | 4,514 |
| Retained earnings to average equity (ytd only) | 4.0846% | 3,490 |
| Net charge-offs to loans | 0.2349% | 915 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 4.7580% | 3,184 |
| Efficiency ratio | 81.4906% | 957 |
| Assets per employee ($millions) | 4.9637% | 2,499 |
| Cash dividends to net income (ytd only)* | 19.1205% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6746% | 1,082 |
| Loan loss allowance to noncurrent loans | 83.8095% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 1.2650% | 1,283 |
| Noncurrent loans to loans | 1.9981% | 855 |
| Net loans and leases to total assets | 54.7885% | 4,340 |
| Net loans and leases to deposits | 68.9599% | 4,040 |
| Net loans and leases to core deposits | 69.9041% | 4,247 |
| Total domestic deposits to total assets | 79.4497% | 4,447 |
| Equity capital to assets | 11.0868% | 2,773 |
| Core capital (leverage) ratio | 10.7760% | 2,668 |
| Tier 1 risk-based capital ratio | 19.9858% | 1,364 |
| Total risk-based capital ratio | 21.2427% | 1,326 |
| Memoranda: | ||
| Average total assets | $93,910,750 | 4,385 |
| Average earning assets | $88,588,250 | 4,361 |
| Average equity | $10,217,000 | 4,458 |
| Average total loans | $53,910,250 | 4,401 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8156% | 3,841 |
| Cost of funding earning assets | 0.4408% | 2,686 |
| Net interest margin | 3.3749% | 3,857 |
| Noninterest income to average assets | 0.2730% | 4,590 |
| Noninterest expense to average assets | 2.8386% | 2,620 |
| Loan and lease loss provision to assets | 0.0021% | 3,851 |
| Net operating income to assets | 0.5268% | 4,623 |
| Return on assets (ROA) | 0.5268% | 4,654 |
| Pretax return on assets | 0.6164% | 4,770 |
| Return on Equity (ROE) | 4.8731% | 4,525 |
| Retained earnings to average equity (ytd only) | 3.4131% | 3,680 |
| Net charge-offs to loans | 0.3495% | 575 |
| Credit loss provision to net charge-offs | 1.0526% | 2,899 |
| Earnings coverage of net charge-offs (x) | 3.0526% | 3,088 |
| Efficiency ratio | 82.1098% | 996 |
| Assets per employee ($millions) | 4.9585% | 2,443 |
| Cash dividends to net income (ytd only)* | 29.9595% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6555% | 1,147 |
| Loan loss allowance to noncurrent loans | 72.6298% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 1.3034% | 1,270 |
| Noncurrent loans to loans | 2.2793% | 702 |
| Net loans and leases to total assets | 55.5513% | 4,264 |
| Net loans and leases to deposits | 69.7692% | 3,929 |
| Net loans and leases to core deposits | 70.0082% | 4,227 |
| Total domestic deposits to total assets | 79.6215% | 4,496 |
| Equity capital to assets | 10.9880% | 2,820 |
| Core capital (leverage) ratio | 10.7472% | 2,656 |
| Tier 1 risk-based capital ratio | 19.7969% | 1,413 |
| Total risk-based capital ratio | 21.0515% | 1,378 |
| Memoranda: | ||
| Average total assets | $93,777,670 | 4,419 |
| Average earning assets | $88,478,000 | 4,391 |
| Average equity | $10,137,330 | 4,488 |
| Average total loans | $54,363,330 | 4,404 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8376% | 3,633 |
| Cost of funding earning assets | 0.4400% | 2,613 |
| Net interest margin | 3.3976% | 3,658 |
| Noninterest income to average assets | 0.2736% | 4,585 |
| Noninterest expense to average assets | 2.8431% | 2,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5344% | 4,446 |
| Return on assets (ROA) | 0.5344% | 4,487 |
| Pretax return on assets | 0.6327% | 4,652 |
| Return on Equity (ROE) | 4.9850% | 4,399 |
| Retained earnings to average equity (ytd only) | 2.0339% | 4,322 |
| Net charge-offs to loans | 0.6917% | 256 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.5579% | 2,717 |
| Efficiency ratio | 81.7958% | 1,184 |
| Assets per employee ($millions) | 4.9808% | 2,474 |
| Cash dividends to net income (ytd only)* | 59.2000% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6187% | 1,334 |
| Loan loss allowance to noncurrent loans | 78.0834% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 1.2067% | 1,457 |
| Noncurrent loans to loans | 2.0731% | 848 |
| Net loans and leases to total assets | 56.5155% | 4,114 |
| Net loans and leases to deposits | 70.7423% | 3,717 |
| Net loans and leases to core deposits | 71.2246% | 4,055 |
| Total domestic deposits to total assets | 79.8893% | 4,640 |
| Equity capital to assets | 10.6630% | 2,998 |
| Core capital (leverage) ratio | 10.7317% | 2,660 |
| Tier 1 risk-based capital ratio | 19.2247% | 1,554 |
| Total risk-based capital ratio | 20.4793% | 1,521 |
| Memoranda: | ||
| Average total assets | $93,560,500 | 4,470 |
| Average earning assets | $88,179,500 | 4,442 |
| Average equity | $10,030,000 | 4,540 |
| Average total loans | $54,936,500 | 4,428 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9161% | 3,518 |
| Cost of funding earning assets | 0.4919% | 2,150 |
| Net interest margin | 3.4241% | 3,731 |
| Noninterest income to average assets | 0.2408% | 4,986 |
| Noninterest expense to average assets | 2.9226% | 2,597 |
| Loan and lease loss provision to assets | -0.0130% | 5,501 |
| Net operating income to assets | 0.5012% | 4,630 |
| Return on assets (ROA) | 0.5012% | 4,702 |
| Pretax return on assets | 0.5630% | 4,890 |
| Return on Equity (ROE) | 4.6281% | 4,602 |
| Retained earnings to average equity (ytd only) | 4.0370% | 3,044 |
| Net charge-offs to loans | -0.1944% | 5,734 |
| Credit loss provision to net charge-offs | 11.1111% | 3,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1612% | 995 |
| Assets per employee ($millions) | 4.8676% | 2,550 |
| Cash dividends to net income (ytd only)* | 12.7706% | 3,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7565% | 1,032 |
| Loan loss allowance to noncurrent loans | 66.1017% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 1.6111% | 987 |
| Noncurrent loans to loans | 2.6572% | 574 |
| Net loans and leases to total assets | 58.9652% | 3,966 |
| Net loans and leases to deposits | 74.0428% | 3,509 |
| Net loans and leases to core deposits | 74.5611% | 3,870 |
| Total domestic deposits to total assets | 79.6367% | 4,649 |
| Equity capital to assets | 10.7790% | 2,837 |
| Core capital (leverage) ratio | 10.6555% | 2,715 |
| Tier 1 risk-based capital ratio | 19.2481% | 1,538 |
| Total risk-based capital ratio | 20.5078% | 1,495 |
| Memoranda: | ||
| Average total assets | $92,176,800 | 4,509 |
| Average earning assets | $87,000,800 | 4,454 |
| Average equity | $9,982,600 | 4,584 |
| Average total loans | $55,541,600 | 4,417 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9368% | 3,469 |
| Cost of funding earning assets | 0.4980% | 2,118 |
| Net interest margin | 3.4388% | 3,711 |
| Noninterest income to average assets | 0.2302% | 5,095 |
| Noninterest expense to average assets | 2.9373% | 2,509 |
| Loan and lease loss provision to assets | -0.0145% | 5,656 |
| Net operating income to assets | 0.4864% | 4,741 |
| Return on assets (ROA) | 0.4864% | 4,835 |
| Pretax return on assets | 0.5559% | 4,985 |
| Return on Equity (ROE) | 4.4862% | 4,726 |
| Retained earnings to average equity (ytd only) | 3.6984% | 3,673 |
| Net charge-offs to loans | -0.3192% | 5,845 |
| Credit loss provision to net charge-offs | 7.5188% | 3,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4361% | 954 |
| Assets per employee ($millions) | 5.1078% | 2,245 |
| Cash dividends to net income (ytd only)* | 17.5584% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7998% | 1,014 |
| Loan loss allowance to noncurrent loans | 81.7959% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 1.3487% | 1,396 |
| Noncurrent loans to loans | 2.2003% | 848 |
| Net loans and leases to total assets | 59.4631% | 3,943 |
| Net loans and leases to deposits | 74.9637% | 3,503 |
| Net loans and leases to core deposits | 75.4926% | 3,891 |
| Total domestic deposits to total assets | 79.3226% | 4,649 |
| Equity capital to assets | 11.0288% | 2,978 |
| Core capital (leverage) ratio | 10.6029% | 2,870 |
| Tier 1 risk-based capital ratio | 19.0392% | 1,664 |
| Total risk-based capital ratio | 20.2979% | 1,615 |
| Memoranda: | ||
| Average total assets | $92,099,750 | 4,544 |
| Average earning assets | $87,006,000 | 4,493 |
| Average equity | $9,986,000 | 4,624 |
| Average total loans | $55,549,750 | 4,455 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9759% | 3,326 |
| Cost of funding earning assets | 0.5033% | 2,081 |
| Net interest margin | 3.4726% | 3,602 |
| Noninterest income to average assets | 0.2149% | 5,201 |
| Noninterest expense to average assets | 2.9408% | 2,544 |
| Loan and lease loss provision to assets | -0.0260% | 5,796 |
| Net operating income to assets | 0.5079% | 4,646 |
| Return on assets (ROA) | 0.5079% | 4,757 |
| Pretax return on assets | 0.5795% | 4,941 |
| Return on Equity (ROE) | 4.7108% | 4,642 |
| Retained earnings to average equity (ytd only) | 3.5230% | 3,656 |
| Net charge-offs to loans | -0.4792% | 5,937 |
| Credit loss provision to net charge-offs | 9.0226% | 3,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1615% | 1,032 |
| Assets per employee ($millions) | 4.8750% | 2,443 |
| Cash dividends to net income (ytd only)* | 25.2137% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7787% | 1,117 |
| Loan loss allowance to noncurrent loans | 628.9308% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 4,739 |
| Noncurrent loans to loans | 0.2828% | 4,359 |
| Net loans and leases to total assets | 59.6189% | 3,936 |
| Net loans and leases to deposits | 74.9820% | 3,482 |
| Net loans and leases to core deposits | 75.5059% | 3,864 |
| Total domestic deposits to total assets | 79.5109% | 4,669 |
| Equity capital to assets | 10.9225% | 3,146 |
| Core capital (leverage) ratio | 10.5351% | 2,932 |
| Tier 1 risk-based capital ratio | 18.6962% | 1,757 |
| Total risk-based capital ratio | 19.9549% | 1,717 |
| Memoranda: | ||
| Average total assets | $92,152,670 | 4,577 |
| Average earning assets | $87,024,000 | 4,523 |
| Average equity | $9,934,670 | 4,658 |
| Average total loans | $55,508,670 | 4,487 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9964% | 3,236 |
| Cost of funding earning assets | 0.5215% | 1,931 |
| Net interest margin | 3.4749% | 3,574 |
| Noninterest income to average assets | 0.2176% | 5,180 |
| Noninterest expense to average assets | 2.9679% | 2,491 |
| Loan and lease loss provision to assets | -0.0522% | 5,946 |
| Net operating income to assets | 0.5048% | 4,614 |
| Return on assets (ROA) | 0.5048% | 4,710 |
| Pretax return on assets | 0.5788% | 4,883 |
| Return on Equity (ROE) | 4.7138% | 4,619 |
| Retained earnings to average equity (ytd only) | 4.7138% | 3,109 |
| Net charge-offs to loans | -0.9646% | 6,043 |
| Credit loss provision to net charge-offs | 9.0226% | 2,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9315% | 1,069 |
| Assets per employee ($millions) | 4.8161% | 2,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8123% | 1,128 |
| Loan loss allowance to noncurrent loans | 395.2569% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.2962% | 4,386 |
| Noncurrent loans to loans | 0.4585% | 3,802 |
| Net loans and leases to total assets | 59.2099% | 3,890 |
| Net loans and leases to deposits | 74.5213% | 3,372 |
| Net loans and leases to core deposits | 75.0488% | 3,785 |
| Total domestic deposits to total assets | 79.4536% | 4,867 |
| Equity capital to assets | 10.8595% | 3,106 |
| Core capital (leverage) ratio | 10.5505% | 2,906 |
| Tier 1 risk-based capital ratio | 18.9127% | 1,755 |
| Total risk-based capital ratio | 20.1721% | 1,716 |
| Memoranda: | ||
| Average total assets | $91,916,500 | 4,619 |
| Average earning assets | $86,678,500 | 4,567 |
| Average equity | $9,843,500 | 4,688 |
| Average total loans | $55,152,000 | 4,523 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0283% | 3,208 |
| Cost of funding earning assets | 0.5612% | 1,667 |
| Net interest margin | 3.4670% | 3,649 |
| Noninterest income to average assets | 0.0486% | 6,012 |
| Noninterest expense to average assets | 2.9274% | 2,776 |
| Loan and lease loss provision to assets | -0.2053% | 5,989 |
| Net operating income to assets | 0.5043% | 4,672 |
| Return on assets (ROA) | 0.5025% | 4,776 |
| Pretax return on assets | 0.5889% | 4,874 |
| Return on Equity (ROE) | 4.8725% | 4,567 |
| Retained earnings to average equity (ytd only) | 4.2857% | 2,922 |
| Net charge-offs to loans | 0.0776% | 2,712 |
| Credit loss provision to net charge-offs | -431.8182% | 5,413 |
| Earnings coverage of net charge-offs (x) | 8.1136% | 2,995 |
| Efficiency ratio | 88.3562% | 808 |
| Assets per employee ($millions) | 4.8594% | 2,517 |
| Cash dividends to net income (ytd only)* | 12.0430% | 4,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5946% | 1,631 |
| Loan loss allowance to noncurrent loans | 128.5088% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.7733% | 2,746 |
| Noncurrent loans to loans | 1.2408% | 1,904 |
| Net loans and leases to total assets | 58.7525% | 3,996 |
| Net loans and leases to deposits | 73.9930% | 3,497 |
| Net loans and leases to core deposits | 74.5113% | 3,888 |
| Total domestic deposits to total assets | 79.4028% | 4,887 |
| Equity capital to assets | 10.5602% | 3,293 |
| Core capital (leverage) ratio | 10.3343% | 3,121 |
| Tier 1 risk-based capital ratio | 18.4634% | 1,842 |
| Total risk-based capital ratio | 19.7200% | 1,785 |
| Memoranda: | ||
| Average total assets | $92,538,200 | 4,617 |
| Average earning assets | $87,134,600 | 4,558 |
| Average equity | $9,543,400 | 4,738 |
| Average total loans | $56,712,400 | 4,475 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0705% | 3,061 |
| Cost of funding earning assets | 0.5658% | 1,661 |
| Net interest margin | 3.5047% | 3,515 |
| Noninterest income to average assets | -0.0187% | 6,211 |
| Noninterest expense to average assets | 2.9174% | 2,793 |
| Loan and lease loss provision to assets | -0.2736% | 6,140 |
| Net operating income to assets | 0.5342% | 4,661 |
| Return on assets (ROA) | 0.5342% | 4,758 |
| Pretax return on assets | 0.6379% | 4,873 |
| Return on Equity (ROE) | 5.2114% | 4,527 |
| Retained earnings to average equity (ytd only) | 4.4248% | 3,315 |
| Net charge-offs to loans | 0.1027% | 2,108 |
| Credit loss provision to net charge-offs | -431.8182% | 5,332 |
| Earnings coverage of net charge-offs (x) | 5.7494% | 3,160 |
| Efficiency ratio | 88.8986% | 768 |
| Assets per employee ($millions) | 4.8602% | 2,470 |
| Cash dividends to net income (ytd only)* | 15.0935% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5627% | 1,922 |
| Loan loss allowance to noncurrent loans | 123.1092% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.8057% | 2,875 |
| Noncurrent loans to loans | 1.2693% | 2,014 |
| Net loans and leases to total assets | 59.9623% | 3,887 |
| Net loans and leases to deposits | 75.4332% | 3,378 |
| Net loans and leases to core deposits | 75.9610% | 3,811 |
| Total domestic deposits to total assets | 79.4906% | 4,864 |
| Equity capital to assets | 10.4285% | 3,676 |
| Core capital (leverage) ratio | 10.1649% | 3,422 |
| Tier 1 risk-based capital ratio | 17.8999% | 2,050 |
| Total risk-based capital ratio | 19.1549% | 2,018 |
| Memoranda: | ||
| Average total assets | $92,590,750 | 4,662 |
| Average earning assets | $87,194,000 | 4,602 |
| Average equity | $9,491,750 | 4,809 |
| Average total loans | $57,109,500 | 4,503 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0830% | 2,963 |
| Cost of funding earning assets | 0.5610% | 1,722 |
| Net interest margin | 3.5219% | 3,406 |
| Noninterest income to average assets | -0.1770% | 6,317 |
| Noninterest expense to average assets | 2.9307% | 2,783 |
| Loan and lease loss provision to assets | -0.4100% | 6,258 |
| Net operating income to assets | 0.5269% | 4,658 |
| Return on assets (ROA) | 0.5287% | 4,760 |
| Pretax return on assets | 0.6237% | 4,916 |
| Return on Equity (ROE) | 5.1876% | 4,529 |
| Retained earnings to average equity (ytd only) | 4.0018% | 3,471 |
| Net charge-offs to loans | 0.1498% | 1,592 |
| Credit loss provision to net charge-offs | -441.8605% | 5,184 |
| Earnings coverage of net charge-offs (x) | 2.2791% | 3,374 |
| Efficiency ratio | 93.2692% | 556 |
| Assets per employee ($millions) | 4.8991% | 2,400 |
| Cash dividends to net income (ytd only)* | 22.8571% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5309% | 2,156 |
| Loan loss allowance to noncurrent loans | 130.1775% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.8552% | 2,849 |
| Noncurrent loans to loans | 1.1760% | 2,301 |
| Net loans and leases to total assets | 60.8081% | 3,716 |
| Net loans and leases to deposits | 76.1168% | 3,257 |
| Net loans and leases to core deposits | 76.9101% | 3,675 |
| Total domestic deposits to total assets | 79.8878% | 4,892 |
| Equity capital to assets | 10.1490% | 3,868 |
| Core capital (leverage) ratio | 9.9812% | 3,632 |
| Tier 1 risk-based capital ratio | 17.4087% | 2,252 |
| Total risk-based capital ratio | 18.6633% | 2,206 |
| Memoranda: | ||
| Average total assets | $92,673,330 | 4,709 |
| Average earning assets | $87,338,670 | 4,646 |
| Average equity | $9,445,670 | 4,849 |
| Average total loans | $57,396,000 | 4,528 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1258% | 2,723 |
| Cost of funding earning assets | 0.5559% | 1,791 |
| Net interest margin | 3.5699% | 3,126 |
| Noninterest income to average assets | -0.5753% | 6,400 |
| Noninterest expense to average assets | 2.9329% | 2,798 |
| Loan and lease loss provision to assets | -0.8219% | 6,373 |
| Net operating income to assets | 0.5588% | 4,448 |
| Return on assets (ROA) | 0.5624% | 4,541 |
| Pretax return on assets | 0.6792% | 4,658 |
| Return on Equity (ROE) | 5.5056% | 4,280 |
| Retained earnings to average equity (ytd only) | 5.5056% | 2,774 |
| Net charge-offs to loans | 0.2999% | 790 |
| Credit loss provision to net charge-offs | -441.8605% | 4,791 |
| Earnings coverage of net charge-offs (x) | -0.7907% | 3,162 |
| Efficiency ratio | 105.2795% | 251 |
| Assets per employee ($millions) | 4.8901% | 2,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5493% | 2,238 |
| Loan loss allowance to noncurrent loans | 115.6373% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.9418% | 2,742 |
| Noncurrent loans to loans | 1.3398% | 2,148 |
| Net loans and leases to total assets | 60.1860% | 3,627 |
| Net loans and leases to deposits | 75.3954% | 3,125 |
| Net loans and leases to core deposits | 76.4425% | 3,545 |
| Total domestic deposits to total assets | 79.8271% | 5,091 |
| Equity capital to assets | 10.2516% | 3,829 |
| Core capital (leverage) ratio | 9.9715% | 3,638 |
| Tier 1 risk-based capital ratio | 17.5480% | 2,283 |
| Total risk-based capital ratio | 18.8029% | 2,242 |
| Memoranda: | ||
| Average total assets | $92,468,500 | 4,760 |
| Average earning assets | $87,062,000 | 4,690 |
| Average equity | $9,445,000 | 4,886 |
| Average total loans | $57,353,000 | 4,567 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1586% | 3,092 |
| Cost of funding earning assets | 0.5294% | 2,396 |
| Net interest margin | 3.6292% | 3,296 |
| Noninterest income to average assets | 0.1928% | 5,703 |
| Noninterest expense to average assets | 2.9968% | 2,850 |
| Loan and lease loss provision to assets | 0.0032% | 4,538 |
| Net operating income to assets | 0.5052% | 4,795 |
| Return on assets (ROA) | 0.5061% | 4,873 |
| Pretax return on assets | 0.6041% | 4,925 |
| Return on Equity (ROE) | 5.2110% | 4,551 |
| Retained earnings to average equity (ytd only) | 5.2110% | 2,458 |
| Net charge-offs to loans | 0.1476% | 2,557 |
| Credit loss provision to net charge-offs | 3.3708% | 4,174 |
| Earnings coverage of net charge-offs (x) | 6.3258% | 3,226 |
| Efficiency ratio | 83.1739% | 1,499 |
| Assets per employee ($millions) | 4.6013% | 2,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9221% | 1,262 |
| Loan loss allowance to noncurrent loans | 107.2254% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 1.4811% | 1,852 |
| Noncurrent loans to loans | 1.7926% | 1,605 |
| Net loans and leases to total assets | 61.7148% | 3,538 |
| Net loans and leases to deposits | 77.3125% | 3,047 |
| Net loans and leases to core deposits | 78.3914% | 3,477 |
| Total domestic deposits to total assets | 79.8250% | 5,061 |
| Equity capital to assets | 10.1766% | 3,886 |
| Core capital (leverage) ratio | 9.7381% | 3,918 |
| Tier 1 risk-based capital ratio | 16.9886% | 2,519 |
| Total risk-based capital ratio | 18.2497% | 2,471 |
| Memoranda: | ||
| Average total assets | $92,864,400 | 4,774 |
| Average earning assets | $87,264,400 | 4,712 |
| Average equity | $9,019,400 | 4,970 |
| Average total loans | $60,278,600 | 4,478 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1351% | 3,236 |
| Cost of funding earning assets | 0.5259% | 2,505 |
| Net interest margin | 3.6093% | 3,390 |
| Noninterest income to average assets | 0.1633% | 5,940 |
| Noninterest expense to average assets | 2.9725% | 2,896 |
| Loan and lease loss provision to assets | 0.0014% | 4,381 |
| Net operating income to assets | 0.4887% | 4,911 |
| Return on assets (ROA) | 0.4899% | 4,975 |
| Pretax return on assets | 0.5830% | 5,077 |
| Return on Equity (ROE) | 5.1046% | 4,673 |
| Retained earnings to average equity (ytd only) | 5.1046% | 3,015 |
| Net charge-offs to loans | 0.1533% | 2,263 |
| Credit loss provision to net charge-offs | 1.4286% | 3,794 |
| Earnings coverage of net charge-offs (x) | 5.8143% | 3,191 |
| Efficiency ratio | 83.6019% | 1,435 |
| Assets per employee ($millions) | 4.5889% | 2,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9048% | 1,444 |
| Loan loss allowance to noncurrent loans | 54.3269% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 2.7360% | 910 |
| Noncurrent loans to loans | 3.5061% | 683 |
| Net loans and leases to total assets | 63.4091% | 3,279 |
| Net loans and leases to deposits | 79.3031% | 2,803 |
| Net loans and leases to core deposits | 80.4154% | 3,268 |
| Total domestic deposits to total assets | 79.9579% | 5,110 |
| Equity capital to assets | 10.0134% | 4,150 |
| Core capital (leverage) ratio | 9.5977% | 4,249 |
| Tier 1 risk-based capital ratio | 16.1822% | 2,968 |
| Total risk-based capital ratio | 17.4427% | 2,917 |
| Memoranda: | ||
| Average total assets | $93,074,250 | 4,818 |
| Average earning assets | $87,475,500 | 4,757 |
| Average equity | $8,933,000 | 5,028 |
| Average total loans | $60,871,750 | 4,504 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1668% | 3,076 |
| Cost of funding earning assets | 0.5277% | 2,560 |
| Net interest margin | 3.6391% | 3,195 |
| Noninterest income to average assets | 0.1433% | 6,101 |
| Noninterest expense to average assets | 2.9645% | 2,952 |
| Loan and lease loss provision to assets | 0.0021% | 4,174 |
| Net operating income to assets | 0.5008% | 4,804 |
| Return on assets (ROA) | 0.5026% | 4,886 |
| Pretax return on assets | 0.6010% | 4,952 |
| Return on Equity (ROE) | 5.3123% | 4,522 |
| Retained earnings to average equity (ytd only) | 5.3123% | 2,750 |
| Net charge-offs to loans | 0.0195% | 3,824 |
| Credit loss provision to net charge-offs | 16.6667% | 3,236 |
| Earnings coverage of net charge-offs (x) | 46.8333% | 954 |
| Efficiency ratio | 83.1434% | 1,613 |
| Assets per employee ($millions) | 4.6618% | 2,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9779% | 1,404 |
| Loan loss allowance to noncurrent loans | 66.3702% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 2.3564% | 1,241 |
| Noncurrent loans to loans | 2.9801% | 978 |
| Net loans and leases to total assets | 63.4676% | 3,165 |
| Net loans and leases to deposits | 78.8903% | 2,678 |
| Net loans and leases to core deposits | 79.9724% | 3,216 |
| Total domestic deposits to total assets | 80.4505% | 5,145 |
| Equity capital to assets | 9.6927% | 4,499 |
| Core capital (leverage) ratio | 9.3075% | 4,576 |
| Tier 1 risk-based capital ratio | 15.8121% | 3,189 |
| Total risk-based capital ratio | 17.0747% | 3,118 |
| Memoranda: | ||
| Average total assets | $93,506,670 | 4,840 |
| Average earning assets | $87,932,670 | 4,778 |
| Average equity | $8,847,330 | 5,073 |
| Average total loans | $61,387,330 | 4,500 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1802% | 2,948 |
| Cost of funding earning assets | 0.5452% | 2,461 |
| Net interest margin | 3.6349% | 3,120 |
| Noninterest income to average assets | 0.1111% | 6,296 |
| Noninterest expense to average assets | 2.9346% | 3,102 |
| Loan and lease loss provision to assets | 0.0128% | 3,659 |
| Net operating income to assets | 0.5004% | 4,686 |
| Return on assets (ROA) | 0.5040% | 4,754 |
| Pretax return on assets | 0.5852% | 4,880 |
| Return on Equity (ROE) | 5.3927% | 4,339 |
| Retained earnings to average equity (ytd only) | 5.3927% | 2,858 |
| Net charge-offs to loans | 0.1486% | 1,828 |
| Credit loss provision to net charge-offs | 13.0435% | 2,581 |
| Earnings coverage of net charge-offs (x) | 6.0435% | 2,290 |
| Efficiency ratio | 83.1719% | 1,775 |
| Assets per employee ($millions) | 4.4721% | 3,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9147% | 1,708 |
| Loan loss allowance to noncurrent loans | 52.3302% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 2.7291% | 1,114 |
| Noncurrent loans to loans | 3.6589% | 774 |
| Net loans and leases to total assets | 64.3110% | 2,836 |
| Net loans and leases to deposits | 79.5786% | 2,356 |
| Net loans and leases to core deposits | 80.6627% | 2,891 |
| Total domestic deposits to total assets | 80.8144% | 5,287 |
| Equity capital to assets | 9.4331% | 4,587 |
| Core capital (leverage) ratio | 9.3327% | 4,523 |
| Tier 1 risk-based capital ratio | 15.8464% | 3,248 |
| Total risk-based capital ratio | 17.1080% | 3,205 |
| Memoranda: | ||
| Average total assets | $93,642,500 | 4,881 |
| Average earning assets | $88,035,000 | 4,821 |
| Average equity | $8,752,500 | 5,113 |
| Average total loans | $61,897,000 | 4,528 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2044% | 3,334 |
| Cost of funding earning assets | 0.7187% | 1,686 |
| Net interest margin | 3.4856% | 3,959 |
| Noninterest income to average assets | 0.2243% | 5,731 |
| Noninterest expense to average assets | 2.8434% | 3,557 |
| Loan and lease loss provision to assets | 0.1488% | 2,418 |
| Net operating income to assets | 0.4288% | 5,040 |
| Return on assets (ROA) | 0.4297% | 5,155 |
| Pretax return on assets | 0.5115% | 5,170 |
| Return on Equity (ROE) | 4.7541% | 4,744 |
| Retained earnings to average equity (ytd only) | 4.7541% | 2,765 |
| Net charge-offs to loans | 0.5159% | 1,278 |
| Credit loss provision to net charge-offs | 42.3881% | 3,986 |
| Earnings coverage of net charge-offs (x) | 1.8776% | 4,425 |
| Efficiency ratio | 81.1789% | 1,993 |
| Assets per employee ($millions) | 4.6686% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9271% | 1,720 |
| Loan loss allowance to noncurrent loans | 36.9833% | 5,721 |
| Noncurrent assets plus other real estate owned to assets | 3.9862% | 669 |
| Noncurrent loans to loans | 5.2107% | 459 |
| Net loans and leases to total assets | 65.3511% | 2,800 |
| Net loans and leases to deposits | 81.2666% | 2,289 |
| Net loans and leases to core deposits | 82.3857% | 2,850 |
| Total domestic deposits to total assets | 80.4158% | 5,339 |
| Equity capital to assets | 9.2598% | 4,735 |
| Core capital (leverage) ratio | 9.2511% | 4,631 |
| Tier 1 risk-based capital ratio | 15.2616% | 3,509 |
| Total risk-based capital ratio | 16.5215% | 3,452 |
| Memoranda: | ||
| Average total assets | $95,414,400 | 4,852 |
| Average earning assets | $89,740,200 | 4,782 |
| Average equity | $8,624,200 | 5,185 |
| Average total loans | $64,931,000 | 4,443 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2027% | 3,382 |
| Cost of funding earning assets | 0.7524% | 1,589 |
| Net interest margin | 3.4503% | 4,087 |
| Noninterest income to average assets | 0.2057% | 5,946 |
| Noninterest expense to average assets | 2.8271% | 3,569 |
| Loan and lease loss provision to assets | 0.2029% | 1,787 |
| Net operating income to assets | 0.3713% | 5,367 |
| Return on assets (ROA) | 0.3725% | 5,496 |
| Pretax return on assets | 0.4212% | 5,572 |
| Return on Equity (ROE) | 4.1458% | 5,153 |
| Retained earnings to average equity (ytd only) | 4.1458% | 3,733 |
| Net charge-offs to loans | 0.6686% | 903 |
| Credit loss provision to net charge-offs | 44.3769% | 3,628 |
| Earnings coverage of net charge-offs (x) | 1.3617% | 4,383 |
| Efficiency ratio | 81.9500% | 1,831 |
| Assets per employee ($millions) | 4.6931% | 2,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9209% | 1,938 |
| Loan loss allowance to noncurrent loans | 33.7050% | 5,857 |
| Noncurrent assets plus other real estate owned to assets | 4.6291% | 635 |
| Noncurrent loans to loans | 5.6992% | 468 |
| Net loans and leases to total assets | 65.7668% | 2,676 |
| Net loans and leases to deposits | 81.5714% | 2,192 |
| Net loans and leases to core deposits | 82.4210% | 2,835 |
| Total domestic deposits to total assets | 80.6247% | 5,328 |
| Equity capital to assets | 9.1049% | 5,052 |
| Core capital (leverage) ratio | 9.0564% | 5,038 |
| Tier 1 risk-based capital ratio | 14.7572% | 3,911 |
| Total risk-based capital ratio | 16.0182% | 3,862 |
| Memoranda: | ||
| Average total assets | $95,925,250 | 4,884 |
| Average earning assets | $90,192,750 | 4,804 |
| Average equity | $8,618,750 | 5,237 |
| Average total loans | $65,609,250 | 4,463 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2557% | 3,133 |
| Cost of funding earning assets | 0.7848% | 1,497 |
| Net interest margin | 3.4710% | 3,919 |
| Noninterest income to average assets | 0.2443% | 5,709 |
| Noninterest expense to average assets | 2.7388% | 3,895 |
| Loan and lease loss provision to assets | 0.1697% | 2,214 |
| Net operating income to assets | 0.4910% | 4,837 |
| Return on assets (ROA) | 0.4927% | 5,009 |
| Pretax return on assets | 0.6065% | 4,992 |
| Return on Equity (ROE) | 5.5073% | 4,455 |
| Retained earnings to average equity (ytd only) | 5.5073% | 2,736 |
| Net charge-offs to loans | 0.7098% | 922 |
| Credit loss provision to net charge-offs | 34.7458% | 3,505 |
| Earnings coverage of net charge-offs (x) | 1.5847% | 3,999 |
| Efficiency ratio | 77.9611% | 2,463 |
| Assets per employee ($millions) | 4.5479% | 2,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9289% | 2,023 |
| Loan loss allowance to noncurrent loans | 37.0470% | 5,750 |
| Noncurrent assets plus other real estate owned to assets | 4.2616% | 787 |
| Noncurrent loans to loans | 5.2065% | 602 |
| Net loans and leases to total assets | 65.8541% | 2,621 |
| Net loans and leases to deposits | 81.3856% | 2,133 |
| Net loans and leases to core deposits | 82.2208% | 2,780 |
| Total domestic deposits to total assets | 80.9162% | 5,360 |
| Equity capital to assets | 9.0058% | 5,209 |
| Core capital (leverage) ratio | 8.8751% | 5,182 |
| Tier 1 risk-based capital ratio | 14.1795% | 4,305 |
| Total risk-based capital ratio | 15.4393% | 4,257 |
| Memoranda: | ||
| Average total assets | $96,613,000 | 4,900 |
| Average earning assets | $90,983,670 | 4,814 |
| Average equity | $8,643,000 | 5,267 |
| Average total loans | $66,499,330 | 4,446 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2354% | 3,163 |
| Cost of funding earning assets | 0.8121% | 1,465 |
| Net interest margin | 3.4232% | 4,036 |
| Noninterest income to average assets | 0.3334% | 5,032 |
| Noninterest expense to average assets | 2.6511% | 4,238 |
| Loan and lease loss provision to assets | 0.0906% | 3,152 |
| Net operating income to assets | 0.6390% | 4,024 |
| Return on assets (ROA) | 0.6422% | 4,164 |
| Pretax return on assets | 0.8233% | 4,069 |
| Return on Equity (ROE) | 7.2022% | 3,382 |
| Retained earnings to average equity (ytd only) | 7.2022% | 2,069 |
| Net charge-offs to loans | 0.4314% | 1,374 |
| Credit loss provision to net charge-offs | 30.1370% | 2,885 |
| Earnings coverage of net charge-offs (x) | 3.0274% | 2,863 |
| Efficiency ratio | 74.4509% | 3,183 |
| Assets per employee ($millions) | 4.8848% | 2,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9944% | 2,060 |
| Loan loss allowance to noncurrent loans | 24.8333% | 6,201 |
| Noncurrent assets plus other real estate owned to assets | 5.8509% | 554 |
| Noncurrent loans to loans | 8.0311% | 326 |
| Net loans and leases to total assets | 67.4528% | 2,112 |
| Net loans and leases to deposits | 83.0378% | 1,705 |
| Net loans and leases to core deposits | 83.8621% | 2,337 |
| Total domestic deposits to total assets | 81.2314% | 5,438 |
| Equity capital to assets | 8.9216% | 5,584 |
| Core capital (leverage) ratio | 8.6092% | 5,440 |
| Tier 1 risk-based capital ratio | 13.7701% | 4,677 |
| Total risk-based capital ratio | 15.0318% | 4,630 |
| Memoranda: | ||
| Average total assets | $97,167,000 | 4,921 |
| Average earning assets | $91,609,500 | 4,854 |
| Average equity | $8,664,000 | 5,317 |
| Average total loans | $67,683,500 | 4,435 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7046% | 2,577 |
| Cost of funding earning assets | 1.1611% | 693 |
| Net interest margin | 3.5435% | 4,327 |
| Noninterest income to average assets | 0.2007% | 5,979 |
| Noninterest expense to average assets | 2.6091% | 4,707 |
| Loan and lease loss provision to assets | 0.7419% | 683 |
| Net operating income to assets | 0.1538% | 5,883 |
| Return on assets (ROA) | 0.1518% | 6,049 |
| Pretax return on assets | 0.0839% | 6,181 |
| Return on Equity (ROE) | 1.8025% | 5,960 |
| Retained earnings to average equity (ytd only) | 1.8025% | 4,953 |
| Net charge-offs to loans | 0.8283% | 1,404 |
| Credit loss provision to net charge-offs | 123.2172% | 2,311 |
| Earnings coverage of net charge-offs (x) | 1.3748% | 4,767 |
| Efficiency ratio | 75.9152% | 2,759 |
| Assets per employee ($millions) | 4.8320% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0432% | 1,908 |
| Loan loss allowance to noncurrent loans | 31.6364% | 5,999 |
| Noncurrent assets plus other real estate owned to assets | 5.1822% | 736 |
| Noncurrent loans to loans | 6.4584% | 524 |
| Net loans and leases to total assets | 69.0570% | 2,020 |
| Net loans and leases to deposits | 85.0563% | 1,629 |
| Net loans and leases to core deposits | 85.9059% | 2,321 |
| Total domestic deposits to total assets | 81.1898% | 5,345 |
| Equity capital to assets | 8.9115% | 5,619 |
| Core capital (leverage) ratio | 8.5462% | 5,548 |
| Tier 1 risk-based capital ratio | 13.2720% | 4,921 |
| Total risk-based capital ratio | 14.5337% | 4,857 |
| Memoranda: | ||
| Average total assets | $100,148,600 | 4,829 |
| Average earning assets | $91,463,200 | 4,827 |
| Average equity | $8,432,800 | 5,378 |
| Average total loans | $72,800,800 | 4,241 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7817% | 2,458 |
| Cost of funding earning assets | 1.2296% | 602 |
| Net interest margin | 3.5521% | 4,432 |
| Noninterest income to average assets | 0.1227% | 6,520 |
| Noninterest expense to average assets | 2.5247% | 5,005 |
| Loan and lease loss provision to assets | 0.8776% | 513 |
| Net operating income to assets | 0.0638% | 6,188 |
| Return on assets (ROA) | 0.0647% | 6,325 |
| Pretax return on assets | -0.0567% | 6,447 |
| Return on Equity (ROE) | 0.7789% | 6,288 |
| Retained earnings to average equity (ytd only) | 0.7789% | 5,846 |
| Net charge-offs to loans | 1.0545% | 998 |
| Credit loss provision to net charge-offs | 113.6752% | 2,564 |
| Earnings coverage of net charge-offs (x) | 1.0615% | 4,781 |
| Efficiency ratio | 75.4933% | 2,748 |
| Assets per employee ($millions) | 4.9515% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9060% | 2,450 |
| Loan loss allowance to noncurrent loans | 29.7056% | 6,141 |
| Noncurrent assets plus other real estate owned to assets | 6.1365% | 640 |
| Noncurrent loans to loans | 6.4163% | 600 |
| Net loans and leases to total assets | 69.2235% | 2,065 |
| Net loans and leases to deposits | 86.0190% | 1,598 |
| Net loans and leases to core deposits | 86.8913% | 2,355 |
| Total domestic deposits to total assets | 80.4746% | 5,525 |
| Equity capital to assets | 8.6267% | 6,161 |
| Core capital (leverage) ratio | 8.2026% | 6,139 |
| Tier 1 risk-based capital ratio | 12.3889% | 5,708 |
| Total risk-based capital ratio | 13.6471% | 5,676 |
| Memoranda: | ||
| Average total assets | $101,026,000 | 4,854 |
| Average earning assets | $91,624,750 | 4,867 |
| Average equity | $8,388,000 | 5,444 |
| Average total loans | $73,969,000 | 4,258 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9211% | 2,023 |
| Cost of funding earning assets | 1.3157% | 491 |
| Net interest margin | 3.6055% | 4,237 |
| Noninterest income to average assets | 0.2576% | 5,733 |
| Noninterest expense to average assets | 2.4978% | 5,147 |
| Loan and lease loss provision to assets | 1.0030% | 439 |
| Net operating income to assets | 0.1049% | 6,143 |
| Return on assets (ROA) | 0.1062% | 6,301 |
| Pretax return on assets | -0.0020% | 6,450 |
| Return on Equity (ROE) | 1.2955% | 6,236 |
| Retained earnings to average equity (ytd only) | 1.2955% | 5,545 |
| Net charge-offs to loans | 1.3567% | 766 |
| Credit loss provision to net charge-offs | 99.8043% | 2,781 |
| Earnings coverage of net charge-offs (x) | 0.9941% | 4,533 |
| Efficiency ratio | 71.4286% | 3,530 |
| Assets per employee ($millions) | 5.0328% | 2,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7356% | 3,090 |
| Loan loss allowance to noncurrent loans | 26.4091% | 6,306 |
| Noncurrent assets plus other real estate owned to assets | 5.5585% | 797 |
| Noncurrent loans to loans | 6.5720% | 631 |
| Net loans and leases to total assets | 70.3654% | 1,860 |
| Net loans and leases to deposits | 87.5726% | 1,411 |
| Net loans and leases to core deposits | 88.4420% | 2,158 |
| Total domestic deposits to total assets | 80.3509% | 5,649 |
| Equity capital to assets | 8.4555% | 6,254 |
| Core capital (leverage) ratio | 8.0760% | 6,184 |
| Tier 1 risk-based capital ratio | 12.1463% | 5,837 |
| Total risk-based capital ratio | 13.4029% | 5,809 |
| Memoranda: | ||
| Average total assets | $101,691,330 | 4,861 |
| Average earning assets | $91,361,000 | 4,887 |
| Average equity | $8,336,330 | 5,468 |
| Average total loans | $75,330,670 | 4,243 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9166% | 2,179 |
| Cost of funding earning assets | 1.4547% | 344 |
| Net interest margin | 3.4619% | 4,867 |
| Noninterest income to average assets | 0.2935% | 5,519 |
| Noninterest expense to average assets | 2.4225% | 5,396 |
| Loan and lease loss provision to assets | 0.4696% | 1,304 |
| Net operating income to assets | 0.4735% | 4,936 |
| Return on assets (ROA) | 0.4735% | 5,134 |
| Pretax return on assets | 0.5401% | 5,317 |
| Return on Equity (ROE) | 5.8674% | 4,359 |
| Retained earnings to average equity (ytd only) | 5.8674% | 3,030 |
| Net charge-offs to loans | 0.9356% | 1,105 |
| Credit loss provision to net charge-offs | 66.6667% | 2,983 |
| Earnings coverage of net charge-offs (x) | 1.4333% | 3,608 |
| Efficiency ratio | 70.5815% | 3,706 |
| Assets per employee ($millions) | 5.3080% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5789% | 3,810 |
| Loan loss allowance to noncurrent loans | 31.0094% | 6,122 |
| Noncurrent assets plus other real estate owned to assets | 4.5225% | 1,182 |
| Noncurrent loans to loans | 5.0917% | 1,094 |
| Net loans and leases to total assets | 73.6763% | 1,115 |
| Net loans and leases to deposits | 92.5572% | 758 |
| Net loans and leases to core deposits | 93.4759% | 1,506 |
| Total domestic deposits to total assets | 79.6008% | 5,946 |
| Equity capital to assets | 8.2418% | 6,325 |
| Core capital (leverage) ratio | 8.1258% | 6,125 |
| Tier 1 risk-based capital ratio | 11.5390% | 6,256 |
| Total risk-based capital ratio | 12.7936% | 6,230 |
| Memoranda: | ||
| Average total assets | $102,209,000 | 4,884 |
| Average earning assets | $92,666,000 | 4,886 |
| Average equity | $8,249,000 | 5,518 |
| Average total loans | $76,957,000 | 4,216 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2419% | 1,904 |
| Cost of funding earning assets | 1.6922% | 332 |
| Net interest margin | 3.5497% | 4,935 |
| Noninterest income to average assets | 0.2660% | 5,619 |
| Noninterest expense to average assets | 2.4884% | 5,511 |
| Loan and lease loss provision to assets | 1.2528% | 674 |
| Net operating income to assets | -0.0816% | 6,148 |
| Return on assets (ROA) | -0.0639% | 6,208 |
| Pretax return on assets | -0.2336% | 6,306 |
| Return on Equity (ROE) | -0.8026% | 6,228 |
| Retained earnings to average equity (ytd only) | -2.5156% | 6,216 |
| Net charge-offs to loans | 0.8599% | 2,014 |
| Credit loss provision to net charge-offs | 189.0647% | 1,355 |
| Earnings coverage of net charge-offs (x) | 1.4964% | 4,646 |
| Efficiency ratio | 71.5068% | 3,688 |
| Assets per employee ($millions) | 5.1783% | 1,969 |
| Cash dividends to net income (ytd only)* | -213.4328% | 7,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5966% | 3,603 |
| Loan loss allowance to noncurrent loans | 36.3636% | 5,816 |
| Noncurrent assets plus other real estate owned to assets | 4.2910% | 1,299 |
| Noncurrent loans to loans | 4.3906% | 1,371 |
| Net loans and leases to total assets | 74.5090% | 1,174 |
| Net loans and leases to deposits | 97.7465% | 574 |
| Net loans and leases to core deposits | 98.4122% | 1,302 |
| Total domestic deposits to total assets | 76.2268% | 6,452 |
| Equity capital to assets | 7.9041% | 6,630 |
| Core capital (leverage) ratio | 7.8044% | 6,437 |
| Tier 1 risk-based capital ratio | 11.2215% | 6,334 |
| Total risk-based capital ratio | 12.4779% | 6,304 |
| Memoranda: | ||
| Average total assets | $104,885,000 | 4,759 |
| Average earning assets | $94,966,400 | 4,784 |
| Average equity | $8,347,800 | 5,462 |
| Average total loans | $80,825,000 | 4,121 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2281% | 2,099 |
| Cost of funding earning assets | 1.7208% | 366 |
| Net interest margin | 3.5073% | 5,159 |
| Noninterest income to average assets | 0.2420% | 5,891 |
| Noninterest expense to average assets | 2.4622% | 5,585 |
| Loan and lease loss provision to assets | 1.5828% | 417 |
| Net operating income to assets | -0.2801% | 6,465 |
| Return on assets (ROA) | -0.2509% | 6,510 |
| Pretax return on assets | -0.5804% | 6,667 |
| Return on Equity (ROE) | -3.1471% | 6,570 |
| Retained earnings to average equity (ytd only) | -5.4202% | 6,614 |
| Net charge-offs to loans | 1.1527% | 1,367 |
| Credit loss provision to net charge-offs | 177.4148% | 1,677 |
| Earnings coverage of net charge-offs (x) | 1.0724% | 4,830 |
| Efficiency ratio | 72.0163% | 3,552 |
| Assets per employee ($millions) | 5.2345% | 1,884 |
| Cash dividends to net income (ytd only)* | -72.2224% | 7,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6080% | 3,626 |
| Loan loss allowance to noncurrent loans | 41.2371% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 3.8141% | 1,624 |
| Noncurrent loans to loans | 3.8993% | 1,711 |
| Net loans and leases to total assets | 74.8152% | 1,180 |
| Net loans and leases to deposits | 98.2464% | 564 |
| Net loans and leases to core deposits | 99.5551% | 1,292 |
| Total domestic deposits to total assets | 76.1505% | 6,513 |
| Equity capital to assets | 7.6999% | 6,842 |
| Core capital (leverage) ratio | 7.5957% | 6,698 |
| Tier 1 risk-based capital ratio | 10.9801% | 6,549 |
| Total risk-based capital ratio | 12.2367% | 6,528 |
| Memoranda: | ||
| Average total assets | $105,214,750 | 4,783 |
| Average earning assets | $95,302,750 | 4,811 |
| Average equity | $8,388,250 | 5,474 |
| Average total loans | $81,426,750 | 4,133 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3383% | 1,750 |
| Cost of funding earning assets | 1.7418% | 402 |
| Net interest margin | 3.5965% | 4,736 |
| Noninterest income to average assets | 0.2277% | 6,032 |
| Noninterest expense to average assets | 2.4746% | 5,627 |
| Loan and lease loss provision to assets | 0.3359% | 2,770 |
| Net operating income to assets | 0.5303% | 4,377 |
| Return on assets (ROA) | 0.5333% | 4,506 |
| Pretax return on assets | 0.6851% | 4,438 |
| Return on Equity (ROE) | 6.6138% | 3,639 |
| Retained earnings to average equity (ytd only) | 4.9427% | 3,039 |
| Net charge-offs to loans | 0.2852% | 3,447 |
| Credit loss provision to net charge-offs | 151.2821% | 2,019 |
| Earnings coverage of net charge-offs (x) | 4.5812% | 2,823 |
| Efficiency ratio | 70.8696% | 3,955 |
| Assets per employee ($millions) | 5.2304% | 1,843 |
| Cash dividends to net income (ytd only)* | 25.2669% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9788% | 6,421 |
| Loan loss allowance to noncurrent loans | 79,500.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.8307% | 5,221 |
| Noncurrent loans to loans | 0.0012% | 7,024 |
| Net loans and leases to total assets | 76.8830% | 934 |
| Net loans and leases to deposits | 101.7188% | 414 |
| Net loans and leases to core deposits | 103.0773% | 1,112 |
| Total domestic deposits to total assets | 75.5839% | 6,660 |
| Equity capital to assets | 8.2356% | 6,484 |
| Core capital (leverage) ratio | 8.1258% | 6,125 |
| Tier 1 risk-based capital ratio | 11.7665% | 5,959 |
| Total risk-based capital ratio | 12.8683% | 6,076 |
| Memoranda: | ||
| Average total assets | $105,389,670 | 4,813 |
| Average earning assets | $95,648,330 | 4,831 |
| Average equity | $8,497,330 | 5,456 |
| Average total loans | $82,034,330 | 4,155 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3410% | 1,750 |
| Cost of funding earning assets | 1.7859% | 397 |
| Net interest margin | 3.5551% | 4,788 |
| Noninterest income to average assets | 0.2193% | 6,165 |
| Noninterest expense to average assets | 2.4655% | 5,689 |
| Loan and lease loss provision to assets | 0.1172% | 4,539 |
| Net operating income to assets | 0.7085% | 3,485 |
| Return on assets (ROA) | 0.7147% | 3,521 |
| Pretax return on assets | 0.8735% | 3,602 |
| Return on Equity (ROE) | 8.9589% | 2,490 |
| Retained earnings to average equity (ytd only) | 5.5934% | 2,855 |
| Net charge-offs to loans | 0.5628% | 2,080 |
| Credit loss provision to net charge-offs | 26.7241% | 4,172 |
| Earnings coverage of net charge-offs (x) | 2.2414% | 3,196 |
| Efficiency ratio | 71.4912% | 3,962 |
| Assets per employee ($millions) | 5.3120% | 1,753 |
| Cash dividends to net income (ytd only)* | 37.5661% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7888% | 6,943 |
| Loan loss allowance to noncurrent loans | 112.6736% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 1.0862% | 4,753 |
| Noncurrent loans to loans | 0.7000% | 5,619 |
| Net loans and leases to total assets | 76.8390% | 895 |
| Net loans and leases to deposits | 101.1048% | 419 |
| Net loans and leases to core deposits | 102.8149% | 1,143 |
| Total domestic deposits to total assets | 75.9994% | 6,671 |
| Equity capital to assets | 7.9914% | 6,505 |
| Core capital (leverage) ratio | 7.9143% | 6,347 |
| Tier 1 risk-based capital ratio | 11.5511% | 6,065 |
| Total risk-based capital ratio | 12.4435% | 6,329 |
| Memoranda: | ||
| Average total assets | $105,781,000 | 4,844 |
| Average earning assets | $96,086,000 | 4,849 |
| Average equity | $8,438,500 | 5,475 |
| Average total loans | $82,441,500 | 4,181 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4926% | 2,316 |
| Cost of funding earning assets | 2.1913% | 312 |
| Net interest margin | 3.3013% | 5,973 |
| Noninterest income to average assets | 0.2741% | 5,822 |
| Noninterest expense to average assets | 2.5221% | 5,711 |
| Loan and lease loss provision to assets | 0.1678% | 5,540 |
| Net operating income to assets | 0.4279% | 4,424 |
| Return on assets (ROA) | 0.4205% | 4,588 |
| Pretax return on assets | 0.5827% | 4,378 |
| Return on Equity (ROE) | 5.5098% | 3,831 |
| Retained earnings to average equity (ytd only) | 3.7750% | 3,221 |
| Net charge-offs to loans | 0.1487% | 5,463 |
| Credit loss provision to net charge-offs | 144.0000% | 2,588 |
| Earnings coverage of net charge-offs (x) | 6.5280% | 2,333 |
| Efficiency ratio | 76.8248% | 2,897 |
| Assets per employee ($millions) | 5.2662% | 1,789 |
| Cash dividends to net income (ytd only)* | 31.4856% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8886% | 6,756 |
| Loan loss allowance to noncurrent loans | 125.0426% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 1.1061% | 4,799 |
| Noncurrent loans to loans | 0.7106% | 5,629 |
| Net loans and leases to total assets | 77.7295% | 983 |
| Net loans and leases to deposits | 102.5260% | 465 |
| Net loans and leases to core deposits | 104.6504% | 1,271 |
| Total domestic deposits to total assets | 75.8144% | 6,652 |
| Equity capital to assets | 7.9631% | 6,529 |
| Core capital (leverage) ratio | 7.8722% | 6,355 |
| Tier 1 risk-based capital ratio | 11.2155% | 6,169 |
| Total risk-based capital ratio | 12.2094% | 6,332 |
| Memoranda: | ||
| Average total assets | $107,253,200 | 4,794 |
| Average earning assets | $97,749,600 | 4,782 |
| Average equity | $8,185,400 | 5,656 |
| Average total loans | $84,073,200 | 4,212 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5111% | 2,391 |
| Cost of funding earning assets | 2.2134% | 370 |
| Net interest margin | 3.2977% | 6,028 |
| Noninterest income to average assets | 0.2611% | 6,032 |
| Noninterest expense to average assets | 2.5580% | 5,476 |
| Loan and lease loss provision to assets | 0.1856% | 5,184 |
| Net operating income to assets | 0.3862% | 4,811 |
| Return on assets (ROA) | 0.3898% | 4,973 |
| Pretax return on assets | 0.5260% | 4,831 |
| Return on Equity (ROE) | 5.1628% | 4,214 |
| Retained earnings to average equity (ytd only) | 2.8354% | 4,439 |
| Net charge-offs to loans | 0.1958% | 4,772 |
| Credit loss provision to net charge-offs | 120.9677% | 3,404 |
| Earnings coverage of net charge-offs (x) | 4.6048% | 2,980 |
| Efficiency ratio | 78.3548% | 2,578 |
| Assets per employee ($millions) | 5.7328% | 1,437 |
| Cash dividends to net income (ytd only)* | 45.0796% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8565% | 6,878 |
| Loan loss allowance to noncurrent loans | 198.0337% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.9502% | 5,196 |
| Noncurrent loans to loans | 0.4325% | 6,331 |
| Net loans and leases to total assets | 74.9220% | 1,598 |
| Net loans and leases to deposits | 100.6239% | 613 |
| Net loans and leases to core deposits | 103.3313% | 1,538 |
| Total domestic deposits to total assets | 74.4574% | 6,864 |
| Equity capital to assets | 7.5732% | 7,078 |
| Core capital (leverage) ratio | 7.4848% | 6,856 |
| Tier 1 risk-based capital ratio | 11.0976% | 6,285 |
| Total risk-based capital ratio | 12.0582% | 6,525 |
| Memoranda: | ||
| Average total assets | $107,735,750 | 4,843 |
| Average earning assets | $98,127,500 | 4,834 |
| Average equity | $8,135,000 | 5,742 |
| Average total loans | $84,441,250 | 4,271 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5033% | 2,498 |
| Cost of funding earning assets | 2.1940% | 478 |
| Net interest margin | 3.3092% | 5,984 |
| Noninterest income to average assets | 0.2404% | 6,185 |
| Noninterest expense to average assets | 2.5955% | 5,344 |
| Loan and lease loss provision to assets | 0.2609% | 4,317 |
| Net operating income to assets | 0.3370% | 5,040 |
| Return on assets (ROA) | 0.3428% | 5,171 |
| Pretax return on assets | 0.4379% | 5,101 |
| Return on Equity (ROE) | 4.5449% | 4,519 |
| Retained earnings to average equity (ytd only) | 2.7912% | 4,357 |
| Net charge-offs to loans | 0.1033% | 5,115 |
| Credit loss provision to net charge-offs | 318.1818% | 1,151 |
| Earnings coverage of net charge-offs (x) | 8.4318% | 2,136 |
| Efficiency ratio | 78.9683% | 2,577 |
| Assets per employee ($millions) | 5.4367% | 1,681 |
| Cash dividends to net income (ytd only)* | 38.5870% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8607% | 6,878 |
| Loan loss allowance to noncurrent loans | 239.2739% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 1.0135% | 5,117 |
| Noncurrent loans to loans | 0.3597% | 6,515 |
| Net loans and leases to total assets | 76.8046% | 1,332 |
| Net loans and leases to deposits | 103.0631% | 532 |
| Net loans and leases to core deposits | 105.8333% | 1,460 |
| Total domestic deposits to total assets | 74.5220% | 6,909 |
| Equity capital to assets | 7.5708% | 7,079 |
| Core capital (leverage) ratio | 7.4457% | 6,876 |
| Tier 1 risk-based capital ratio | 10.8245% | 6,429 |
| Total risk-based capital ratio | 11.7951% | 6,645 |
| Memoranda: | ||
| Average total assets | $107,339,670 | 4,880 |
| Average earning assets | $98,814,330 | 4,850 |
| Average equity | $8,097,000 | 5,763 |
| Average total loans | $85,150,670 | 4,289 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4957% | 2,598 |
| Cost of funding earning assets | 2.2007% | 590 |
| Net interest margin | 3.2950% | 5,994 |
| Noninterest income to average assets | 0.2250% | 6,351 |
| Noninterest expense to average assets | 2.7906% | 4,515 |
| Loan and lease loss provision to assets | 0.3038% | 3,609 |
| Net operating income to assets | 0.2250% | 5,598 |
| Return on assets (ROA) | 0.2250% | 5,719 |
| Pretax return on assets | 0.2025% | 5,872 |
| Return on Equity (ROE) | 2.9890% | 5,340 |
| Retained earnings to average equity (ytd only) | -0.5480% | 5,962 |
| Net charge-offs to loans | -0.0093% | 6,880 |
| Credit loss provision to net charge-offs | -4,050.0000% | 6,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6416% | 1,957 |
| Assets per employee ($millions) | 5.3763% | 1,794 |
| Cash dividends to net income (ytd only)* | 118.3333% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7816% | 7,167 |
| Loan loss allowance to noncurrent loans | 162.9540% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 1.1625% | 4,848 |
| Noncurrent loans to loans | 0.4796% | 6,336 |
| Net loans and leases to total assets | 79.4571% | 918 |
| Net loans and leases to deposits | 106.6722% | 398 |
| Net loans and leases to core deposits | 109.5234% | 1,313 |
| Total domestic deposits to total assets | 74.4871% | 6,983 |
| Equity capital to assets | 7.4689% | 7,097 |
| Core capital (leverage) ratio | 7.4086% | 6,926 |
| Tier 1 risk-based capital ratio | 10.3249% | 6,791 |
| Total risk-based capital ratio | 11.1977% | 7,054 |
| Memoranda: | ||
| Average total assets | $106,643,000 | 4,963 |
| Average earning assets | $99,424,000 | 4,895 |
| Average equity | $8,029,500 | 5,832 |
| Average total loans | $85,607,500 | 4,336 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6111% | 3,547 |
| Cost of funding earning assets | 2.5387% | 925 |
| Net interest margin | 3.0724% | 6,459 |
| Noninterest income to average assets | 0.1915% | 6,725 |
| Noninterest expense to average assets | 2.1455% | 7,093 |
| Loan and lease loss provision to assets | 0.4153% | 4,322 |
| Net operating income to assets | 0.3762% | 4,228 |
| Return on assets (ROA) | 0.4683% | 3,978 |
| Pretax return on assets | 0.6940% | 3,594 |
| Return on Equity (ROE) | 6.3002% | 3,077 |
| Retained earnings to average equity (ytd only) | 4.4892% | 2,108 |
| Net charge-offs to loans | 0.0998% | 6,139 |
| Credit loss provision to net charge-offs | 515.2941% | 599 |
| Earnings coverage of net charge-offs (x) | 12.0588% | 1,537 |
| Efficiency ratio | 68.8260% | 4,856 |
| Assets per employee ($millions) | 5.5663% | 1,590 |
| Cash dividends to net income (ytd only)* | 28.7449% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8002% | 7,128 |
| Loan loss allowance to noncurrent loans | 177.3438% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 1.0391% | 5,026 |
| Noncurrent loans to loans | 0.4512% | 6,368 |
| Net loans and leases to total assets | 79.8260% | 1,027 |
| Net loans and leases to deposits | 106.3878% | 530 |
| Net loans and leases to core deposits | 148.9669% | 534 |
| Total domestic deposits to total assets | 75.0331% | 6,859 |
| Equity capital to assets | 7.5908% | 6,955 |
| Core capital (leverage) ratio | 7.5432% | 6,750 |
| Tier 1 risk-based capital ratio | 10.5469% | 6,344 |
| Total risk-based capital ratio | 11.4479% | 6,659 |
| Memoranda: | ||
| Average total assets | $105,478,000 | 4,943 |
| Average earning assets | $100,444,000 | 4,835 |
| Average equity | $7,841,000 | 5,983 |
| Average total loans | $85,182,200 | 4,353 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6272% | 3,711 |
| Cost of funding earning assets | 2.5976% | 1,040 |
| Net interest margin | 3.0296% | 6,519 |
| Noninterest income to average assets | 0.1999% | 6,785 |
| Noninterest expense to average assets | 2.1098% | 7,171 |
| Loan and lease loss provision to assets | 0.3643% | 4,134 |
| Net operating income to assets | 0.4154% | 4,337 |
| Return on assets (ROA) | 0.4756% | 4,192 |
| Pretax return on assets | 0.7071% | 3,828 |
| Return on Equity (ROE) | 6.4319% | 3,332 |
| Retained earnings to average equity (ytd only) | 4.0028% | 3,037 |
| Net charge-offs to loans | 0.1283% | 5,415 |
| Credit loss provision to net charge-offs | 351.2195% | 1,169 |
| Earnings coverage of net charge-offs (x) | 9.4635% | 2,107 |
| Efficiency ratio | 68.2488% | 4,919 |
| Assets per employee ($millions) | 5.5822% | 1,531 |
| Cash dividends to net income (ytd only)* | 37.7663% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6450% | 7,497 |
| Loan loss allowance to noncurrent loans | 74.3243% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 1.1673% | 4,746 |
| Noncurrent loans to loans | 0.8678% | 5,554 |
| Net loans and leases to total assets | 79.8804% | 1,191 |
| Net loans and leases to deposits | 107.7490% | 569 |
| Net loans and leases to core deposits | 151.8370% | 546 |
| Total domestic deposits to total assets | 74.1356% | 6,923 |
| Equity capital to assets | 7.5466% | 7,265 |
| Core capital (leverage) ratio | 7.4205% | 7,058 |
| Tier 1 risk-based capital ratio | 10.3762% | 6,595 |
| Total risk-based capital ratio | 11.1029% | 7,058 |
| Memoranda: | ||
| Average total assets | $105,407,500 | 4,977 |
| Average earning assets | $100,604,000 | 4,846 |
| Average equity | $7,794,250 | 6,052 |
| Average total loans | $85,201,500 | 4,392 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6307% | 3,907 |
| Cost of funding earning assets | 2.6413% | 1,179 |
| Net interest margin | 2.9894% | 6,582 |
| Noninterest income to average assets | 0.2148% | 6,762 |
| Noninterest expense to average assets | 2.1865% | 7,092 |
| Loan and lease loss provision to assets | 0.2624% | 4,475 |
| Net operating income to assets | 0.4240% | 4,407 |
| Return on assets (ROA) | 0.4240% | 4,518 |
| Pretax return on assets | 0.6236% | 4,250 |
| Return on Equity (ROE) | 5.7740% | 3,761 |
| Retained earnings to average equity (ytd only) | 3.9356% | 3,088 |
| Net charge-offs to loans | 0.0094% | 6,435 |
| Credit loss provision to net charge-offs | 3,450.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 116.5000% | 329 |
| Efficiency ratio | 71.1634% | 4,566 |
| Assets per employee ($millions) | 5.8764% | 1,290 |
| Cash dividends to net income (ytd only)* | 31.8386% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5697% | 7,691 |
| Loan loss allowance to noncurrent loans | 58.2444% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 1.2857% | 4,367 |
| Noncurrent loans to loans | 0.9781% | 5,260 |
| Net loans and leases to total assets | 81.0137% | 1,137 |
| Net loans and leases to deposits | 109.3302% | 586 |
| Net loans and leases to core deposits | 154.7699% | 548 |
| Total domestic deposits to total assets | 74.1000% | 6,940 |
| Equity capital to assets | 7.4478% | 7,311 |
| Core capital (leverage) ratio | 7.3592% | 7,180 |
| Tier 1 risk-based capital ratio | 10.2641% | 6,636 |
| Total risk-based capital ratio | 10.9126% | 7,208 |
| Memoranda: | ||
| Average total assets | $105,189,670 | 5,008 |
| Average earning assets | $100,556,330 | 4,878 |
| Average equity | $7,724,330 | 6,114 |
| Average total loans | $85,178,000 | 4,424 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6495% | 4,052 |
| Cost of funding earning assets | 2.7213% | 1,204 |
| Net interest margin | 2.9282% | 6,675 |
| Noninterest income to average assets | 0.2174% | 6,735 |
| Noninterest expense to average assets | 2.0973% | 7,120 |
| Loan and lease loss provision to assets | 0.2974% | 3,572 |
| Net operating income to assets | 0.4309% | 4,739 |
| Return on assets (ROA) | 0.4309% | 4,916 |
| Pretax return on assets | 0.6292% | 4,664 |
| Return on Equity (ROE) | 5.9104% | 4,076 |
| Retained earnings to average equity (ytd only) | 2.1968% | 4,652 |
| Net charge-offs to loans | 0.0047% | 5,639 |
| Credit loss provision to net charge-offs | 7,800.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 243.0000% | 176 |
| Efficiency ratio | 69.3569% | 4,706 |
| Assets per employee ($millions) | 5.9097% | 1,249 |
| Cash dividends to net income (ytd only)* | 62.8319% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6135% | 7,636 |
| Loan loss allowance to noncurrent loans | 41.7398% | 5,758 |
| Noncurrent assets plus other real estate owned to assets | 1.4430% | 3,766 |
| Noncurrent loans to loans | 1.4697% | 4,099 |
| Net loans and leases to total assets | 79.6539% | 1,449 |
| Net loans and leases to deposits | 107.1568% | 775 |
| Net loans and leases to core deposits | 150.7481% | 681 |
| Total domestic deposits to total assets | 74.3340% | 6,831 |
| Equity capital to assets | 7.2565% | 7,520 |
| Core capital (leverage) ratio | 7.2066% | 7,472 |
| Tier 1 risk-based capital ratio | 10.2798% | 6,612 |
| Total risk-based capital ratio | 10.9818% | 7,128 |
| Memoranda: | ||
| Average total assets | $104,896,500 | 5,046 |
| Average earning assets | $100,539,000 | 4,899 |
| Average equity | $7,647,500 | 6,173 |
| Average total loans | $84,675,000 | 4,473 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0487% | 5,305 |
| Cost of funding earning assets | 3.1707% | 1,284 |
| Net interest margin | 2.8779% | 7,196 |
| Noninterest income to average assets | 0.2624% | 6,576 |
| Noninterest expense to average assets | 1.9858% | 7,467 |
| Loan and lease loss provision to assets | 0.1469% | 5,478 |
| Net operating income to assets | 0.5973% | 4,312 |
| Return on assets (ROA) | 0.5973% | 4,181 |
| Pretax return on assets | 0.9116% | 3,687 |
| Return on Equity (ROE) | 8.3032% | 2,943 |
| Retained earnings to average equity (ytd only) | 6.3975% | 1,366 |
| Net charge-offs to loans | 0.0244% | 6,503 |
| Credit loss provision to net charge-offs | 750.0000% | 560 |
| Earnings coverage of net charge-offs (x) | 54.0500% | 727 |
| Efficiency ratio | 65.2300% | 5,271 |
| Assets per employee ($millions) | 5.7455% | 1,297 |
| Cash dividends to net income (ytd only)* | 22.9508% | 4,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5185% | 7,824 |
| Loan loss allowance to noncurrent loans | 31.7553% | 6,612 |
| Noncurrent assets plus other real estate owned to assets | 1.5935% | 3,053 |
| Noncurrent loans to loans | 1.6327% | 3,322 |
| Net loans and leases to total assets | 80.8942% | 1,468 |
| Net loans and leases to deposits | 109.9675% | 835 |
| Net loans and leases to core deposits | 152.2503% | 775 |
| Total domestic deposits to total assets | 73.5619% | 6,725 |
| Equity capital to assets | 7.3255% | 7,531 |
| Core capital (leverage) ratio | 7.3630% | 7,345 |
| Tier 1 risk-based capital ratio | 10.6068% | 6,095 |
| Total risk-based capital ratio | 11.2137% | 6,667 |
| Memoranda: | ||
| Average total assets | $102,125,600 | 4,990 |
| Average earning assets | $98,716,200 | 4,841 |
| Average equity | $7,346,600 | 6,335 |
| Average total loans | $81,815,400 | 4,457 |