Home > Progressive Ozark Bank > Performance and Condition Ratios
Progressive Ozark Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4902% | 1,176 |
| Cost of funding earning assets | 0.6754% | 3,959 |
| Net interest margin | 4.8148% | 409 |
| Noninterest income to average assets | 1.2100% | 498 |
| Noninterest expense to average assets | 3.8195% | 422 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.7302% | 690 |
| Return on assets (ROA) | 1.7302% | 661 |
| Pretax return on assets | 1.7302% | 1,004 |
| Return on Equity (ROE) | 19.1100% | 698 |
| Retained earnings to average equity (ytd only) | 4.5580% | 2,767 |
| Net charge-offs to loans | 0.0830% | 1,033 |
| Credit loss provision to net charge-offs | 173.5537% | 1,340 |
| Earnings coverage of net charge-offs (x) | 25.2231% | 1,737 |
| Efficiency ratio | 67.2743% | 2,198 |
| Assets per employee ($millions) | 3.1990% | 4,352 |
| Cash dividends to net income (ytd only)* | 76.1436% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8973% | 3,714 |
| Loan loss allowance to noncurrent loans | 623.2558% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 2,675 |
| Noncurrent loans to loans | 0.1440% | 2,795 |
| Net loans and leases to total assets | 88.9700% | 58 |
| Net loans and leases to deposits | 100.8855% | 489 |
| Net loans and leases to core deposits | 102.2249% | 1,322 |
| Total domestic deposits to total assets | 88.1900% | 1,288 |
| Equity capital to assets | 9.1820% | 2,557 |
| Core capital (leverage) ratio | 9.4160% | 3,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2785% | 2,143 |
| Memoranda: | ||
| Average total assets | $164,261,600 | 3,236 |
| Average earning assets | $152,508,600 | 3,231 |
| Average equity | $14,875,000 | 3,281 |
| Average total loans | $145,821,800 | 2,706 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3444% | 1,219 |
| Cost of funding earning assets | 0.5114% | 4,120 |
| Net interest margin | 4.8331% | 390 |
| Noninterest income to average assets | 1.2200% | 488 |
| Noninterest expense to average assets | 3.7937% | 422 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.8281% | 630 |
| Return on assets (ROA) | 1.8281% | 622 |
| Pretax return on assets | 1.8281% | 966 |
| Return on Equity (ROE) | 20.2600% | 702 |
| Retained earnings to average equity (ytd only) | 5.7211% | 2,714 |
| Net charge-offs to loans | 0.0515% | 1,165 |
| Credit loss provision to net charge-offs | 189.2857% | 1,157 |
| Earnings coverage of net charge-offs (x) | 41.9821% | 1,419 |
| Efficiency ratio | 66.4622% | 2,226 |
| Assets per employee ($millions) | 3.1631% | 4,372 |
| Cash dividends to net income (ytd only)* | 71.7595% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8814% | 3,790 |
| Loan loss allowance to noncurrent loans | 707.0652% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 2,826 |
| Noncurrent loans to loans | 0.1247% | 2,931 |
| Net loans and leases to total assets | 88.9500% | 57 |
| Net loans and leases to deposits | 103.5174% | 370 |
| Net loans and leases to core deposits | 104.3592% | 1,104 |
| Total domestic deposits to total assets | 85.9200% | 2,224 |
| Equity capital to assets | 9.1379% | 2,335 |
| Core capital (leverage) ratio | 9.4754% | 3,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3657% | 2,129 |
| Memoranda: | ||
| Average total assets | $163,740,000 | 3,251 |
| Average earning assets | $152,004,500 | 3,243 |
| Average equity | $14,775,250 | 3,283 |
| Average total loans | $144,943,750 | 2,718 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1585% | 1,280 |
| Cost of funding earning assets | 0.4152% | 4,137 |
| Net interest margin | 4.7433% | 429 |
| Noninterest income to average assets | 1.2000% | 439 |
| Noninterest expense to average assets | 3.7420% | 423 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.7212% | 754 |
| Return on assets (ROA) | 1.7212% | 754 |
| Pretax return on assets | 1.7212% | 1,167 |
| Return on Equity (ROE) | 19.1400% | 816 |
| Retained earnings to average equity (ytd only) | 5.4413% | 2,808 |
| Net charge-offs to loans | 0.0528% | 989 |
| Credit loss provision to net charge-offs | 289.4737% | 879 |
| Earnings coverage of net charge-offs (x) | 39.9211% | 1,399 |
| Efficiency ratio | 66.8488% | 2,125 |
| Assets per employee ($millions) | 3.1394% | 4,412 |
| Cash dividends to net income (ytd only)* | 71.5707% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9100% | 3,746 |
| Loan loss allowance to noncurrent loans | 3,780.0000% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 3,614 |
| Noncurrent loans to loans | 0.0241% | 3,589 |
| Net loans and leases to total assets | 86.5800% | 129 |
| Net loans and leases to deposits | 99.7052% | 527 |
| Net loans and leases to core deposits | 100.1488% | 1,229 |
| Total domestic deposits to total assets | 86.8400% | 1,975 |
| Equity capital to assets | 8.9507% | 2,546 |
| Core capital (leverage) ratio | 9.4773% | 3,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3998% | 2,133 |
| Memoranda: | ||
| Average total assets | $163,493,667 | 3,258 |
| Average earning assets | $151,751,000 | 3,257 |
| Average equity | $14,702,333 | 3,300 |
| Average total loans | $144,059,000 | 2,728 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0554% | 1,134 |
| Cost of funding earning assets | 0.4067% | 3,954 |
| Net interest margin | 4.6488% | 484 |
| Noninterest income to average assets | 1.1700% | 458 |
| Noninterest expense to average assets | 3.7668% | 419 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 1.4885% | 1,211 |
| Return on assets (ROA) | 1.4885% | 1,189 |
| Pretax return on assets | 1.4885% | 1,695 |
| Return on Equity (ROE) | 16.5100% | 1,260 |
| Retained earnings to average equity (ytd only) | 3.0944% | 3,484 |
| Net charge-offs to loans | 0.1144% | 549 |
| Credit loss provision to net charge-offs | 224.3902% | 781 |
| Earnings coverage of net charge-offs (x) | 16.9512% | 1,507 |
| Efficiency ratio | 68.7078% | 1,895 |
| Assets per employee ($millions) | 3.1893% | 4,469 |
| Cash dividends to net income (ytd only)* | 81.2604% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9062% | 3,837 |
| Loan loss allowance to noncurrent loans | 1,567.4699% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 3,272 |
| Noncurrent loans to loans | 0.0578% | 3,320 |
| Net loans and leases to total assets | 87.4700% | 88 |
| Net loans and leases to deposits | 96.9267% | 607 |
| Net loans and leases to core deposits | 96.9267% | 1,235 |
| Total domestic deposits to total assets | 90.2400% | 1,070 |
| Equity capital to assets | 9.0112% | 2,510 |
| Core capital (leverage) ratio | 9.2398% | 3,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4243% | 2,208 |
| Memoranda: | ||
| Average total assets | $162,046,000 | 3,322 |
| Average earning assets | $150,491,500 | 3,314 |
| Average equity | $14,607,000 | 3,343 |
| Average total loans | $143,396,500 | 2,770 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4757% | 753 |
| Cost of funding earning assets | 0.1589% | 4,066 |
| Net interest margin | 4.3168% | 407 |
| Noninterest income to average assets | 1.2600% | 428 |
| Noninterest expense to average assets | 3.8167% | 379 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.3562% | 1,261 |
| Return on assets (ROA) | 1.3562% | 1,219 |
| Pretax return on assets | 1.3562% | 1,917 |
| Return on Equity (ROE) | 15.5200% | 1,141 |
| Retained earnings to average equity (ytd only) | 6.0091% | 2,645 |
| Net charge-offs to loans | 0.0379% | 1,339 |
| Credit loss provision to net charge-offs | 272.0000% | 960 |
| Earnings coverage of net charge-offs (x) | 47.5000% | 1,394 |
| Efficiency ratio | 72.6256% | 1,370 |
| Assets per employee ($millions) | 2.9896% | 4,530 |
| Cash dividends to net income (ytd only)* | 61.2774% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8036% | 4,020 |
| Loan loss allowance to noncurrent loans | 935.7724% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.0762% | 3,030 |
| Noncurrent loans to loans | 0.0859% | 3,140 |
| Net loans and leases to total assets | 88.0000% | 70 |
| Net loans and leases to deposits | 97.5950% | 549 |
| Net loans and leases to core deposits | 97.5950% | 1,122 |
| Total domestic deposits to total assets | 90.1700% | 1,283 |
| Equity capital to assets | 9.0170% | 2,344 |
| Core capital (leverage) ratio | 8.5773% | 4,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4231% | 2,600 |
| Memoranda: | ||
| Average total assets | $165,092,400 | 3,305 |
| Average earning assets | $152,960,800 | 3,297 |
| Average equity | $14,428,200 | 3,419 |
| Average total loans | $132,009,600 | 2,804 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3059% | 725 |
| Cost of funding earning assets | 0.1223% | 4,104 |
| Net interest margin | 4.1836% | 437 |
| Noninterest income to average assets | 1.2500% | 473 |
| Noninterest expense to average assets | 3.7580% | 387 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.3220% | 1,287 |
| Return on assets (ROA) | 1.3220% | 1,257 |
| Pretax return on assets | 1.3220% | 1,975 |
| Return on Equity (ROE) | 15.2400% | 1,124 |
| Retained earnings to average equity (ytd only) | 6.1960% | 2,680 |
| Net charge-offs to loans | 0.0330% | 1,187 |
| Credit loss provision to net charge-offs | 187.5000% | 1,007 |
| Earnings coverage of net charge-offs (x) | 53.3125% | 1,247 |
| Efficiency ratio | 73.2811% | 1,353 |
| Assets per employee ($millions) | 2.9841% | 4,572 |
| Cash dividends to net income (ytd only)* | 59.3560% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8046% | 4,085 |
| Loan loss allowance to noncurrent loans | 821.8045% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 3,109 |
| Noncurrent loans to loans | 0.0979% | 3,178 |
| Net loans and leases to total assets | 80.6400% | 478 |
| Net loans and leases to deposits | 88.9834% | 965 |
| Net loans and leases to core deposits | 89.1347% | 1,350 |
| Total domestic deposits to total assets | 90.6200% | 1,397 |
| Equity capital to assets | 8.6925% | 2,413 |
| Core capital (leverage) ratio | 8.2850% | 4,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9193% | 2,507 |
| Memoranda: | ||
| Average total assets | $166,005,750 | 3,324 |
| Average earning assets | $153,739,750 | 3,315 |
| Average equity | $14,396,000 | 3,472 |
| Average total loans | $129,206,500 | 2,835 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0889% | 782 |
| Cost of funding earning assets | 0.0964% | 4,224 |
| Net interest margin | 3.9925% | 505 |
| Noninterest income to average assets | 1.2545% | 447 |
| Noninterest expense to average assets | 3.7564% | 335 |
| Loan and lease loss provision to assets | 0.0157% | 2,318 |
| Net operating income to assets | 1.1821% | 1,490 |
| Return on assets (ROA) | 1.1821% | 1,467 |
| Pretax return on assets | 1.1821% | 2,131 |
| Return on Equity (ROE) | 13.6421% | 1,203 |
| Retained earnings to average equity (ytd only) | 4.5288% | 2,869 |
| Net charge-offs to loans | 0.0252% | 1,219 |
| Credit loss provision to net charge-offs | 81.2500% | 1,384 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 1,065 |
| Efficiency ratio | 75.8226% | 1,306 |
| Assets per employee ($millions) | 3.1580% | 4,607 |
| Cash dividends to net income (ytd only)* | 66.8029% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8194% | 4,141 |
| Loan loss allowance to noncurrent loans | 183.5924% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.3448% | 1,624 |
| Noncurrent loans to loans | 0.4463% | 1,785 |
| Net loans and leases to total assets | 75.4536% | 781 |
| Net loans and leases to deposits | 83.0119% | 1,181 |
| Net loans and leases to core deposits | 83.4058% | 1,488 |
| Total domestic deposits to total assets | 90.8949% | 1,282 |
| Equity capital to assets | 8.4771% | 2,783 |
| Core capital (leverage) ratio | 8.5105% | 3,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1954% | 2,415 |
| Memoranda: | ||
| Average total assets | $165,638,000 | 3,365 |
| Average earning assets | $153,489,667 | 3,362 |
| Average equity | $14,352,667 | 3,554 |
| Average total loans | $126,993,667 | 2,876 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0602% | 682 |
| Cost of funding earning assets | 0.0979% | 4,154 |
| Net interest margin | 3.9623% | 443 |
| Noninterest income to average assets | 1.2476% | 456 |
| Noninterest expense to average assets | 3.6791% | 355 |
| Loan and lease loss provision to assets | -0.0417% | 4,502 |
| Net operating income to assets | 1.2795% | 1,047 |
| Return on assets (ROA) | 1.2795% | 1,042 |
| Pretax return on assets | 1.2795% | 1,565 |
| Return on Equity (ROE) | 14.6004% | 720 |
| Retained earnings to average equity (ytd only) | 4.6990% | 2,707 |
| Net charge-offs to loans | 0.0032% | 1,666 |
| Credit loss provision to net charge-offs | -1,700.0000% | 3,363 |
| Earnings coverage of net charge-offs (x) | 505.0000% | 209 |
| Efficiency ratio | 74.8255% | 1,653 |
| Assets per employee ($millions) | 3.2517% | 4,615 |
| Cash dividends to net income (ytd only)* | 67.8161% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8364% | 4,185 |
| Loan loss allowance to noncurrent loans | 187.9713% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 1,742 |
| Noncurrent loans to loans | 0.4449% | 1,916 |
| Net loans and leases to total assets | 74.8554% | 587 |
| Net loans and leases to deposits | 82.6650% | 962 |
| Net loans and leases to core deposits | 83.0699% | 1,293 |
| Total domestic deposits to total assets | 90.5528% | 1,264 |
| Equity capital to assets | 8.6772% | 2,998 |
| Core capital (leverage) ratio | 8.9385% | 3,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8660% | 2,271 |
| Memoranda: | ||
| Average total assets | $163,192,000 | 3,396 |
| Average earning assets | $151,124,000 | 3,398 |
| Average equity | $14,301,000 | 3,624 |
| Average total loans | $125,623,500 | 2,895 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6333% | 471 |
| Cost of funding earning assets | 0.1190% | 4,235 |
| Net interest margin | 4.5142% | 265 |
| Noninterest income to average assets | 1.2664% | 660 |
| Noninterest expense to average assets | 3.9309% | 308 |
| Loan and lease loss provision to assets | 0.1169% | 1,074 |
| Net operating income to assets | 1.4113% | 1,241 |
| Return on assets (ROA) | 1.4113% | 1,305 |
| Pretax return on assets | 1.4113% | 2,012 |
| Return on Equity (ROE) | 15.8180% | 786 |
| Retained earnings to average equity (ytd only) | 0.7692% | 4,312 |
| Net charge-offs to loans | 0.0494% | 1,325 |
| Credit loss provision to net charge-offs | 317.2414% | 1,034 |
| Earnings coverage of net charge-offs (x) | 41.4655% | 1,415 |
| Efficiency ratio | 72.0056% | 1,512 |
| Assets per employee ($millions) | 3.1480% | 4,663 |
| Cash dividends to net income (ytd only)* | 95.1373% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8448% | 4,190 |
| Loan loss allowance to noncurrent loans | 2,802.6316% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 3,890 |
| Noncurrent loans to loans | 0.0301% | 3,858 |
| Net loans and leases to total assets | 77.8570% | 385 |
| Net loans and leases to deposits | 86.2114% | 766 |
| Net loans and leases to core deposits | 86.3645% | 1,176 |
| Total domestic deposits to total assets | 90.3094% | 804 |
| Equity capital to assets | 8.8522% | 3,757 |
| Core capital (leverage) ratio | 9.0175% | 3,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6376% | 2,392 |
| Memoranda: | ||
| Average total assets | $157,369,600 | 3,418 |
| Average earning assets | $146,160,000 | 3,413 |
| Average equity | $14,041,000 | 3,742 |
| Average total loans | $117,413,800 | 2,972 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7274% | 462 |
| Cost of funding earning assets | 0.1246% | 4,309 |
| Net interest margin | 4.6028% | 262 |
| Noninterest income to average assets | 1.2415% | 749 |
| Noninterest expense to average assets | 3.9256% | 301 |
| Loan and lease loss provision to assets | 0.2050% | 497 |
| Net operating income to assets | 1.3880% | 1,580 |
| Return on assets (ROA) | 1.3880% | 1,644 |
| Pretax return on assets | 1.3880% | 2,388 |
| Return on Equity (ROE) | 15.3624% | 1,070 |
| Retained earnings to average equity (ytd only) | 6.8707% | 2,466 |
| Net charge-offs to loans | 0.0440% | 1,231 |
| Credit loss provision to net charge-offs | 634.2105% | 682 |
| Earnings coverage of net charge-offs (x) | 49.2368% | 1,251 |
| Efficiency ratio | 71.1310% | 1,482 |
| Assets per employee ($millions) | 2.8846% | 4,770 |
| Cash dividends to net income (ytd only)* | 55.2761% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9308% | 4,066 |
| Loan loss allowance to noncurrent loans | 406.4057% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.1804% | 2,910 |
| Noncurrent loans to loans | 0.2290% | 3,023 |
| Net loans and leases to total assets | 78.0266% | 406 |
| Net loans and leases to deposits | 86.5597% | 796 |
| Net loans and leases to core deposits | 86.7178% | 1,238 |
| Total domestic deposits to total assets | 90.1419% | 708 |
| Equity capital to assets | 9.2906% | 3,564 |
| Core capital (leverage) ratio | 9.1104% | 3,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3013% | 2,262 |
| Memoranda: | ||
| Average total assets | $156,575,250 | 3,458 |
| Average earning assets | $145,502,000 | 3,455 |
| Average equity | $14,146,750 | 3,773 |
| Average total loans | $115,251,750 | 3,035 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8544% | 436 |
| Cost of funding earning assets | 0.1287% | 4,363 |
| Net interest margin | 4.7257% | 248 |
| Noninterest income to average assets | 1.2305% | 768 |
| Noninterest expense to average assets | 3.8548% | 322 |
| Loan and lease loss provision to assets | 0.1428% | 847 |
| Net operating income to assets | 1.6335% | 978 |
| Return on assets (ROA) | 1.6335% | 1,029 |
| Pretax return on assets | 1.6335% | 1,646 |
| Return on Equity (ROE) | 18.2500% | 621 |
| Retained earnings to average equity (ytd only) | 10.1437% | 1,358 |
| Net charge-offs to loans | 0.0284% | 1,383 |
| Credit loss provision to net charge-offs | 700.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 87.0625% | 803 |
| Efficiency ratio | 68.4556% | 1,825 |
| Assets per employee ($millions) | 2.9171% | 4,798 |
| Cash dividends to net income (ytd only)* | 44.4184% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8967% | 4,163 |
| Loan loss allowance to noncurrent loans | 497.5962% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.1273% | 3,388 |
| Noncurrent loans to loans | 0.1802% | 3,319 |
| Net loans and leases to total assets | 70.0200% | 1,197 |
| Net loans and leases to deposits | 77.4393% | 1,683 |
| Net loans and leases to core deposits | 77.5737% | 2,087 |
| Total domestic deposits to total assets | 90.4193% | 590 |
| Equity capital to assets | 9.0984% | 3,712 |
| Core capital (leverage) ratio | 9.1297% | 3,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1278% | 1,932 |
| Memoranda: | ||
| Average total assets | $156,843,667 | 3,459 |
| Average earning assets | $146,052,333 | 3,457 |
| Average equity | $14,038,333 | 3,785 |
| Average total loans | $112,774,333 | 3,086 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1727% | 282 |
| Cost of funding earning assets | 0.1403% | 4,381 |
| Net interest margin | 5.0325% | 176 |
| Noninterest income to average assets | 1.1511% | 924 |
| Noninterest expense to average assets | 3.8832% | 312 |
| Loan and lease loss provision to assets | 0.2084% | 576 |
| Net operating income to assets | 1.7319% | 895 |
| Return on assets (ROA) | 1.7319% | 946 |
| Pretax return on assets | 1.7319% | 1,428 |
| Return on Equity (ROE) | 19.5215% | 568 |
| Retained earnings to average equity (ytd only) | 12.5642% | 1,013 |
| Net charge-offs to loans | 0.0538% | 970 |
| Credit loss provision to net charge-offs | 533.3333% | 580 |
| Earnings coverage of net charge-offs (x) | 49.6667% | 903 |
| Efficiency ratio | 66.6816% | 2,131 |
| Assets per employee ($millions) | 3.1261% | 4,795 |
| Cash dividends to net income (ytd only)* | 35.6391% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8882% | 4,189 |
| Loan loss allowance to noncurrent loans | 270.8895% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 2,983 |
| Noncurrent loans to loans | 0.3279% | 2,923 |
| Net loans and leases to total assets | 70.3381% | 1,245 |
| Net loans and leases to deposits | 77.6071% | 1,752 |
| Net loans and leases to core deposits | 77.7449% | 2,211 |
| Total domestic deposits to total assets | 90.6335% | 528 |
| Equity capital to assets | 8.8352% | 3,849 |
| Core capital (leverage) ratio | 9.2799% | 3,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7601% | 1,981 |
| Memoranda: | ||
| Average total assets | $153,586,000 | 3,494 |
| Average earning assets | $142,594,500 | 3,492 |
| Average equity | $13,626,000 | 3,832 |
| Average total loans | $111,452,000 | 3,108 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6696% | 949 |
| Cost of funding earning assets | 0.2331% | 4,450 |
| Net interest margin | 4.4366% | 369 |
| Noninterest income to average assets | 1.3422% | 648 |
| Noninterest expense to average assets | 4.0097% | 380 |
| Loan and lease loss provision to assets | 0.0808% | 3,365 |
| Net operating income to assets | 1.3864% | 1,050 |
| Return on assets (ROA) | 1.3864% | 1,143 |
| Pretax return on assets | 1.3864% | 1,698 |
| Return on Equity (ROE) | 14.2196% | 759 |
| Retained earnings to average equity (ytd only) | 5.9724% | 1,807 |
| Net charge-offs to loans | 0.0364% | 2,324 |
| Credit loss provision to net charge-offs | 278.9474% | 1,807 |
| Earnings coverage of net charge-offs (x) | 50.6579% | 1,189 |
| Efficiency ratio | 73.2118% | 1,540 |
| Assets per employee ($millions) | 2.7360% | 4,863 |
| Cash dividends to net income (ytd only)* | 57.9989% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8555% | 4,310 |
| Loan loss allowance to noncurrent loans | 269.0544% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.2362% | 3,110 |
| Noncurrent loans to loans | 0.3180% | 3,063 |
| Net loans and leases to total assets | 73.6554% | 1,068 |
| Net loans and leases to deposits | 81.3249% | 1,728 |
| Net loans and leases to core deposits | 81.4808% | 2,231 |
| Total domestic deposits to total assets | 90.5694% | 346 |
| Equity capital to assets | 8.9115% | 4,133 |
| Core capital (leverage) ratio | 9.1749% | 3,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,205,400 | 3,613 |
| Average earning assets | $122,279,000 | 3,599 |
| Average equity | $12,792,200 | 3,882 |
| Average total loans | $104,401,600 | 3,172 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8186% | 858 |
| Cost of funding earning assets | 0.2550% | 4,495 |
| Net interest margin | 4.5636% | 336 |
| Noninterest income to average assets | 1.3095% | 637 |
| Noninterest expense to average assets | 3.9483% | 396 |
| Loan and lease loss provision to assets | 0.0464% | 3,777 |
| Net operating income to assets | 1.5770% | 770 |
| Return on assets (ROA) | 1.5770% | 841 |
| Pretax return on assets | 1.5770% | 1,253 |
| Return on Equity (ROE) | 15.7807% | 576 |
| Retained earnings to average equity (ytd only) | 8.3996% | 1,176 |
| Net charge-offs to loans | 0.0272% | 2,288 |
| Credit loss provision to net charge-offs | 209.5238% | 2,073 |
| Earnings coverage of net charge-offs (x) | 73.6667% | 966 |
| Efficiency ratio | 70.8663% | 1,766 |
| Assets per employee ($millions) | 2.8171% | 4,884 |
| Cash dividends to net income (ytd only)* | 46.7731% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8211% | 4,313 |
| Loan loss allowance to noncurrent loans | 287.4598% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.2260% | 3,318 |
| Noncurrent loans to loans | 0.2856% | 3,258 |
| Net loans and leases to total assets | 78.2279% | 802 |
| Net loans and leases to deposits | 87.0952% | 1,583 |
| Net loans and leases to core deposits | 87.2754% | 2,209 |
| Total domestic deposits to total assets | 89.8188% | 494 |
| Equity capital to assets | 9.5719% | 3,629 |
| Core capital (leverage) ratio | 9.5565% | 3,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,071,250 | 3,656 |
| Average earning assets | $118,675,750 | 3,627 |
| Average equity | $12,698,750 | 3,897 |
| Average total loans | $103,062,250 | 3,199 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9992% | 827 |
| Cost of funding earning assets | 0.2951% | 4,497 |
| Net interest margin | 4.7042% | 338 |
| Noninterest income to average assets | 1.2024% | 692 |
| Noninterest expense to average assets | 3.8796% | 466 |
| Loan and lease loss provision to assets | 0.0130% | 4,060 |
| Net operating income to assets | 1.7016% | 621 |
| Return on assets (ROA) | 1.7016% | 675 |
| Pretax return on assets | 1.7016% | 999 |
| Return on Equity (ROE) | 16.7633% | 473 |
| Retained earnings to average equity (ytd only) | 5.5399% | 2,261 |
| Net charge-offs to loans | 0.0336% | 2,062 |
| Credit loss provision to net charge-offs | 47.0588% | 2,636 |
| Earnings coverage of net charge-offs (x) | 62.2353% | 941 |
| Efficiency ratio | 69.3511% | 2,038 |
| Assets per employee ($millions) | 2.7935% | 4,909 |
| Cash dividends to net income (ytd only)* | 66.9524% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8391% | 4,225 |
| Loan loss allowance to noncurrent loans | 845.0980% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.1410% | 3,812 |
| Noncurrent loans to loans | 0.0993% | 4,058 |
| Net loans and leases to total assets | 74.4152% | 1,356 |
| Net loans and leases to deposits | 82.8758% | 2,102 |
| Net loans and leases to core deposits | 83.5084% | 2,653 |
| Total domestic deposits to total assets | 89.7912% | 459 |
| Equity capital to assets | 9.3314% | 3,798 |
| Core capital (leverage) ratio | 9.6824% | 3,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,415,333 | 3,683 |
| Average earning assets | $115,217,333 | 3,660 |
| Average equity | $12,527,333 | 3,926 |
| Average total loans | $101,123,333 | 3,218 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0908% | 811 |
| Cost of funding earning assets | 0.4040% | 4,350 |
| Net interest margin | 4.6868% | 340 |
| Noninterest income to average assets | 1.3815% | 464 |
| Noninterest expense to average assets | 4.0520% | 482 |
| Loan and lease loss provision to assets | 0.1234% | 2,152 |
| Net operating income to assets | 1.5804% | 649 |
| Return on assets (ROA) | 1.5804% | 718 |
| Pretax return on assets | 1.5804% | 1,111 |
| Return on Equity (ROE) | 14.8656% | 563 |
| Retained earnings to average equity (ytd only) | 3.5471% | 2,873 |
| Net charge-offs to loans | 0.0718% | 1,312 |
| Credit loss provision to net charge-offs | 200.0000% | 1,417 |
| Earnings coverage of net charge-offs (x) | 27.6111% | 1,233 |
| Efficiency ratio | 70.3990% | 2,293 |
| Assets per employee ($millions) | 2.8657% | 4,846 |
| Cash dividends to net income (ytd only)* | 76.1388% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 4,220 |
| Loan loss allowance to noncurrent loans | 266.1677% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.3685% | 2,969 |
| Noncurrent loans to loans | 0.3269% | 3,322 |
| Net loans and leases to total assets | 86.1977% | 128 |
| Net loans and leases to deposits | 97.3612% | 786 |
| Net loans and leases to core deposits | 98.2385% | 1,604 |
| Total domestic deposits to total assets | 88.5340% | 865 |
| Equity capital to assets | 10.6609% | 3,182 |
| Core capital (leverage) ratio | 10.6910% | 2,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,682,000 | 3,755 |
| Average earning assets | $108,902,500 | 3,728 |
| Average equity | $12,404,500 | 3,957 |
| Average total loans | $100,323,500 | 3,220 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0587% | 1,318 |
| Cost of funding earning assets | 0.4461% | 4,281 |
| Net interest margin | 4.6126% | 559 |
| Noninterest income to average assets | 1.4965% | 415 |
| Noninterest expense to average assets | 4.1566% | 445 |
| Loan and lease loss provision to assets | 0.0718% | 2,560 |
| Net operating income to assets | 1.5710% | 892 |
| Return on assets (ROA) | 1.5710% | 952 |
| Pretax return on assets | 1.5710% | 1,581 |
| Return on Equity (ROE) | 14.1303% | 875 |
| Retained earnings to average equity (ytd only) | -5.9658% | 5,003 |
| Net charge-offs to loans | 0.0276% | 2,842 |
| Credit loss provision to net charge-offs | 315.3846% | 882 |
| Earnings coverage of net charge-offs (x) | 72.1154% | 869 |
| Efficiency ratio | 71.6725% | 1,914 |
| Assets per employee ($millions) | 2.8967% | 4,866 |
| Cash dividends to net income (ytd only)* | 142.2197% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8844% | 4,035 |
| Loan loss allowance to noncurrent loans | 262.3494% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 3,279 |
| Noncurrent loans to loans | 0.3371% | 3,235 |
| Net loans and leases to total assets | 84.2408% | 300 |
| Net loans and leases to deposits | 95.5864% | 984 |
| Net loans and leases to core deposits | 95.8247% | 1,915 |
| Total domestic deposits to total assets | 88.1306% | 1,068 |
| Equity capital to assets | 10.6008% | 3,345 |
| Core capital (leverage) ratio | 10.8570% | 2,631 |
| Tier 1 risk-based capital ratio | 15.8112% | 2,471 |
| Total risk-based capital ratio | 16.9325% | 2,447 |
| Memoranda: | ||
| Average total assets | $114,132,000 | 3,774 |
| Average earning assets | $106,470,000 | 3,769 |
| Average equity | $12,689,000 | 3,916 |
| Average total loans | $94,301,600 | 3,313 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0760% | 1,342 |
| Cost of funding earning assets | 0.4585% | 4,305 |
| Net interest margin | 4.6175% | 595 |
| Noninterest income to average assets | 1.5385% | 387 |
| Noninterest expense to average assets | 4.1219% | 460 |
| Loan and lease loss provision to assets | 0.0199% | 3,506 |
| Net operating income to assets | 1.7074% | 732 |
| Return on assets (ROA) | 1.7074% | 773 |
| Pretax return on assets | 1.7074% | 1,321 |
| Return on Equity (ROE) | 15.1775% | 745 |
| Retained earnings to average equity (ytd only) | -3.5859% | 5,015 |
| Net charge-offs to loans | 0.0214% | 2,678 |
| Credit loss provision to net charge-offs | 113.3333% | 2,052 |
| Earnings coverage of net charge-offs (x) | 98.1975% | 761 |
| Efficiency ratio | 70.4691% | 2,056 |
| Assets per employee ($millions) | 2.6785% | 5,020 |
| Cash dividends to net income (ytd only)* | 123.6267% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8736% | 4,143 |
| Loan loss allowance to noncurrent loans | 1,433.3333% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0969% | 4,224 |
| Noncurrent loans to loans | 0.0610% | 4,365 |
| Net loans and leases to total assets | 82.3998% | 518 |
| Net loans and leases to deposits | 93.4890% | 1,271 |
| Net loans and leases to core deposits | 93.7272% | 2,203 |
| Total domestic deposits to total assets | 88.1386% | 977 |
| Equity capital to assets | 11.2801% | 2,850 |
| Core capital (leverage) ratio | 11.1378% | 2,524 |
| Tier 1 risk-based capital ratio | 17.4934% | 1,944 |
| Total risk-based capital ratio | 18.6191% | 1,940 |
| Memoranda: | ||
| Average total assets | $113,697,750 | 3,823 |
| Average earning assets | $106,144,000 | 3,818 |
| Average equity | $12,790,500 | 3,945 |
| Average total loans | $93,257,000 | 3,371 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0374% | 1,378 |
| Cost of funding earning assets | 0.4568% | 4,301 |
| Net interest margin | 4.5807% | 643 |
| Noninterest income to average assets | 1.4912% | 402 |
| Noninterest expense to average assets | 4.0123% | 532 |
| Loan and lease loss provision to assets | -0.0316% | 5,153 |
| Net operating income to assets | 1.7860% | 616 |
| Return on assets (ROA) | 1.7860% | 638 |
| Pretax return on assets | 1.7860% | 1,073 |
| Return on Equity (ROE) | 15.8765% | 610 |
| Retained earnings to average equity (ytd only) | -2.8384% | 4,963 |
| Net charge-offs to loans | 0.0215% | 2,417 |
| Credit loss provision to net charge-offs | -180.0000% | 3,976 |
| Earnings coverage of net charge-offs (x) | 100.0000% | 696 |
| Efficiency ratio | 69.5771% | 2,296 |
| Assets per employee ($millions) | 2.6260% | 5,086 |
| Cash dividends to net income (ytd only)* | 117.8782% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8608% | 4,233 |
| Loan loss allowance to noncurrent loans | 255.5195% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.3348% | 3,193 |
| Noncurrent loans to loans | 0.3369% | 3,333 |
| Net loans and leases to total assets | 80.2721% | 843 |
| Net loans and leases to deposits | 90.8153% | 1,654 |
| Net loans and leases to core deposits | 91.0452% | 2,504 |
| Total domestic deposits to total assets | 88.3905% | 927 |
| Equity capital to assets | 11.3598% | 2,738 |
| Core capital (leverage) ratio | 11.3592% | 2,290 |
| Tier 1 risk-based capital ratio | 18.1156% | 1,777 |
| Total risk-based capital ratio | 19.2245% | 1,767 |
| Memoranda: | ||
| Average total assets | $113,999,330 | 3,842 |
| Average earning assets | $106,403,330 | 3,834 |
| Average equity | $12,824,000 | 3,953 |
| Average total loans | $93,072,670 | 3,390 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9820% | 1,376 |
| Cost of funding earning assets | 0.4645% | 4,224 |
| Net interest margin | 4.5175% | 714 |
| Noninterest income to average assets | 1.4039% | 436 |
| Noninterest expense to average assets | 3.9671% | 559 |
| Loan and lease loss provision to assets | -0.0489% | 5,257 |
| Net operating income to assets | 1.6972% | 730 |
| Return on assets (ROA) | 1.6972% | 757 |
| Pretax return on assets | 1.6972% | 1,215 |
| Return on Equity (ROE) | 15.1609% | 719 |
| Retained earnings to average equity (ytd only) | -3.5562% | 4,843 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6468% | 2,246 |
| Assets per employee ($millions) | 2.6291% | 5,137 |
| Cash dividends to net income (ytd only)* | 123.4568% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8590% | 4,305 |
| Loan loss allowance to noncurrent loans | 220.0549% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 3,163 |
| Noncurrent loans to loans | 0.3903% | 3,187 |
| Net loans and leases to total assets | 81.7774% | 617 |
| Net loans and leases to deposits | 93.3076% | 1,247 |
| Net loans and leases to core deposits | 93.3076% | 2,185 |
| Total domestic deposits to total assets | 87.6429% | 1,500 |
| Equity capital to assets | 11.3143% | 2,547 |
| Core capital (leverage) ratio | 11.3998% | 2,213 |
| Tier 1 risk-based capital ratio | 18.1992% | 1,742 |
| Total risk-based capital ratio | 19.3314% | 1,733 |
| Memoranda: | ||
| Average total assets | $114,541,000 | 3,878 |
| Average earning assets | $106,784,000 | 3,864 |
| Average equity | $12,822,500 | 3,969 |
| Average total loans | $93,895,500 | 3,410 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8782% | 1,342 |
| Cost of funding earning assets | 0.3259% | 4,432 |
| Net interest margin | 4.5524% | 688 |
| Noninterest income to average assets | 1.4695% | 423 |
| Noninterest expense to average assets | 3.9634% | 562 |
| Loan and lease loss provision to assets | 0.0035% | 4,038 |
| Net operating income to assets | 1.7661% | 595 |
| Return on assets (ROA) | 1.7661% | 593 |
| Pretax return on assets | 1.7661% | 1,008 |
| Return on Equity (ROE) | 15.4402% | 734 |
| Retained earnings to average equity (ytd only) | -0.8667% | 5,075 |
| Net charge-offs to loans | 0.0338% | 2,729 |
| Credit loss provision to net charge-offs | 12.5000% | 3,422 |
| Earnings coverage of net charge-offs (x) | 63.5938% | 988 |
| Efficiency ratio | 69.1339% | 2,359 |
| Assets per employee ($millions) | 2.5784% | 5,187 |
| Cash dividends to net income (ytd only)* | 105.6130% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8621% | 4,320 |
| Loan loss allowance to noncurrent loans | 290.0356% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.2629% | 3,531 |
| Noncurrent loans to loans | 0.2972% | 3,498 |
| Net loans and leases to total assets | 80.7757% | 827 |
| Net loans and leases to deposits | 92.3216% | 1,502 |
| Net loans and leases to core deposits | 94.2992% | 2,203 |
| Total domestic deposits to total assets | 87.4938% | 1,543 |
| Equity capital to assets | 11.0782% | 2,613 |
| Core capital (leverage) ratio | 11.3825% | 2,196 |
| Tier 1 risk-based capital ratio | 17.9230% | 1,776 |
| Total risk-based capital ratio | 19.0476% | 1,768 |
| Memoranda: | ||
| Average total assets | $115,002,000 | 3,874 |
| Average earning assets | $107,702,600 | 3,842 |
| Average equity | $13,154,000 | 3,862 |
| Average total loans | $94,774,400 | 3,393 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8391% | 1,322 |
| Cost of funding earning assets | 0.3148% | 4,417 |
| Net interest margin | 4.5243% | 708 |
| Noninterest income to average assets | 1.4780% | 435 |
| Noninterest expense to average assets | 3.9309% | 570 |
| Loan and lease loss provision to assets | 0.0116% | 3,766 |
| Net operating income to assets | 1.7778% | 628 |
| Return on assets (ROA) | 1.7778% | 631 |
| Pretax return on assets | 1.7778% | 1,063 |
| Return on Equity (ROE) | 15.4203% | 799 |
| Retained earnings to average equity (ytd only) | 3.8803% | 3,837 |
| Net charge-offs to loans | 0.0309% | 2,474 |
| Credit loss provision to net charge-offs | 45.4545% | 2,866 |
| Earnings coverage of net charge-offs (x) | 70.0061% | 957 |
| Efficiency ratio | 68.7183% | 2,402 |
| Assets per employee ($millions) | 2.5887% | 5,261 |
| Cash dividends to net income (ytd only)* | 74.8366% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8760% | 4,357 |
| Loan loss allowance to noncurrent loans | 435.0785% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 4,122 |
| Noncurrent loans to loans | 0.2013% | 3,993 |
| Net loans and leases to total assets | 82.5581% | 622 |
| Net loans and leases to deposits | 94.1057% | 1,368 |
| Net loans and leases to core deposits | 96.1533% | 2,104 |
| Total domestic deposits to total assets | 87.7291% | 1,374 |
| Equity capital to assets | 11.6633% | 2,140 |
| Core capital (leverage) ratio | 11.8856% | 1,851 |
| Tier 1 risk-based capital ratio | 18.7264% | 1,610 |
| Total risk-based capital ratio | 19.8801% | 1,588 |
| Memoranda: | ||
| Average total assets | $114,745,000 | 3,913 |
| Average earning assets | $107,593,000 | 3,884 |
| Average equity | $13,229,000 | 3,882 |
| Average total loans | $94,833,250 | 3,419 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7567% | 1,362 |
| Cost of funding earning assets | 0.3098% | 4,354 |
| Net interest margin | 4.4469% | 771 |
| Noninterest income to average assets | 1.4379% | 462 |
| Noninterest expense to average assets | 3.8670% | 631 |
| Loan and lease loss provision to assets | -0.0191% | 5,322 |
| Net operating income to assets | 1.7579% | 640 |
| Return on assets (ROA) | 1.7579% | 642 |
| Pretax return on assets | 1.7579% | 1,075 |
| Return on Equity (ROE) | 15.3062% | 792 |
| Retained earnings to average equity (ytd only) | 3.7546% | 3,721 |
| Net charge-offs to loans | 0.0274% | 2,304 |
| Credit loss provision to net charge-offs | -84.6154% | 4,068 |
| Earnings coverage of net charge-offs (x) | 76.9231% | 839 |
| Efficiency ratio | 68.9826% | 2,490 |
| Assets per employee ($millions) | 2.6476% | 5,287 |
| Cash dividends to net income (ytd only)* | 75.4698% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8607% | 4,509 |
| Loan loss allowance to noncurrent loans | 655.2000% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.1177% | 4,405 |
| Noncurrent loans to loans | 0.1314% | 4,316 |
| Net loans and leases to total assets | 82.8656% | 598 |
| Net loans and leases to deposits | 94.2702% | 1,327 |
| Net loans and leases to core deposits | 95.2218% | 2,131 |
| Total domestic deposits to total assets | 87.9022% | 1,432 |
| Equity capital to assets | 11.5734% | 2,144 |
| Core capital (leverage) ratio | 11.7473% | 1,872 |
| Tier 1 risk-based capital ratio | 18.4843% | 1,676 |
| Total risk-based capital ratio | 19.6182% | 1,670 |
| Memoranda: | ||
| Average total assets | $115,025,330 | 3,938 |
| Average earning assets | $107,806,330 | 3,916 |
| Average equity | $13,210,330 | 3,904 |
| Average total loans | $94,821,670 | 3,432 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6624% | 1,403 |
| Cost of funding earning assets | 0.3140% | 4,234 |
| Net interest margin | 4.3483% | 861 |
| Noninterest income to average assets | 1.3528% | 512 |
| Noninterest expense to average assets | 3.7988% | 678 |
| Loan and lease loss provision to assets | -0.0554% | 5,469 |
| Net operating income to assets | 1.6814% | 710 |
| Return on assets (ROA) | 1.6814% | 720 |
| Pretax return on assets | 1.6814% | 1,167 |
| Return on Equity (ROE) | 14.6967% | 859 |
| Retained earnings to average equity (ytd only) | 14.6967% | 347 |
| Net charge-offs to loans | 0.0169% | 2,173 |
| Credit loss provision to net charge-offs | -400.0000% | 3,947 |
| Earnings coverage of net charge-offs (x) | 117.5000% | 534 |
| Efficiency ratio | 70.0255% | 2,479 |
| Assets per employee ($millions) | 2.6356% | 5,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8678% | 4,571 |
| Loan loss allowance to noncurrent loans | 1,582.6923% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 4,881 |
| Noncurrent loans to loans | 0.0548% | 4,734 |
| Net loans and leases to total assets | 81.0655% | 782 |
| Net loans and leases to deposits | 92.1847% | 1,432 |
| Net loans and leases to core deposits | 93.4846% | 2,177 |
| Total domestic deposits to total assets | 87.9381% | 1,652 |
| Equity capital to assets | 11.5842% | 2,070 |
| Core capital (leverage) ratio | 11.8502% | 1,749 |
| Tier 1 risk-based capital ratio | 18.8331% | 1,595 |
| Total risk-based capital ratio | 19.9737% | 1,583 |
| Memoranda: | ||
| Average total assets | $115,614,500 | 3,971 |
| Average earning assets | $108,271,500 | 3,942 |
| Average equity | $13,227,500 | 3,938 |
| Average total loans | $94,653,000 | 3,454 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7469% | 1,081 |
| Cost of funding earning assets | 0.2407% | 4,638 |
| Net interest margin | 4.5062% | 599 |
| Noninterest income to average assets | 1.8627% | 331 |
| Noninterest expense to average assets | 4.0777% | 479 |
| Loan and lease loss provision to assets | -0.0172% | 5,327 |
| Net operating income to assets | 2.0108% | 278 |
| Return on assets (ROA) | 2.0108% | 282 |
| Pretax return on assets | 2.0108% | 478 |
| Return on Equity (ROE) | 18.2393% | 285 |
| Retained earnings to average equity (ytd only) | 4.9680% | 2,151 |
| Net charge-offs to loans | 0.0313% | 3,174 |
| Credit loss provision to net charge-offs | -66.6667% | 4,666 |
| Earnings coverage of net charge-offs (x) | 77.1667% | 793 |
| Efficiency ratio | 67.1631% | 3,056 |
| Assets per employee ($millions) | 2.8112% | 5,314 |
| Cash dividends to net income (ytd only)* | 72.7623% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8923% | 4,510 |
| Loan loss allowance to noncurrent loans | 1,832.6087% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.1865% | 4,198 |
| Noncurrent loans to loans | 0.0487% | 4,773 |
| Net loans and leases to total assets | 81.2330% | 795 |
| Net loans and leases to deposits | 92.7140% | 1,422 |
| Net loans and leases to core deposits | 93.3779% | 2,249 |
| Total domestic deposits to total assets | 87.6168% | 1,694 |
| Equity capital to assets | 11.2970% | 2,365 |
| Core capital (leverage) ratio | 11.6437% | 1,836 |
| Tier 1 risk-based capital ratio | 18.3172% | 1,710 |
| Total risk-based capital ratio | 19.4956% | 1,679 |
| Memoranda: | ||
| Average total assets | $116,120,400 | 3,960 |
| Average earning assets | $108,449,400 | 3,944 |
| Average equity | $12,802,000 | 4,015 |
| Average total loans | $95,923,400 | 3,418 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7489% | 1,033 |
| Cost of funding earning assets | 0.2428% | 4,634 |
| Net interest margin | 4.5060% | 596 |
| Noninterest income to average assets | 1.6733% | 406 |
| Noninterest expense to average assets | 4.0445% | 491 |
| Loan and lease loss provision to assets | -0.0138% | 5,466 |
| Net operating income to assets | 1.8532% | 422 |
| Return on assets (ROA) | 1.8532% | 432 |
| Pretax return on assets | 1.8532% | 776 |
| Return on Equity (ROE) | 16.9131% | 437 |
| Retained earnings to average equity (ytd only) | 4.9369% | 2,928 |
| Net charge-offs to loans | 0.0319% | 2,796 |
| Credit loss provision to net charge-offs | -52.1739% | 4,445 |
| Earnings coverage of net charge-offs (x) | 69.7734% | 896 |
| Efficiency ratio | 68.7378% | 2,750 |
| Assets per employee ($millions) | 2.5095% | 5,522 |
| Cash dividends to net income (ytd only)* | 70.8101% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8920% | 4,606 |
| Loan loss allowance to noncurrent loans | 435.5330% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.1806% | 4,383 |
| Noncurrent loans to loans | 0.2048% | 4,262 |
| Net loans and leases to total assets | 84.4225% | 396 |
| Net loans and leases to deposits | 98.4784% | 869 |
| Net loans and leases to core deposits | 99.6342% | 1,734 |
| Total domestic deposits to total assets | 85.7269% | 2,419 |
| Equity capital to assets | 11.4208% | 2,448 |
| Core capital (leverage) ratio | 11.1274% | 2,347 |
| Tier 1 risk-based capital ratio | 17.1503% | 2,117 |
| Total risk-based capital ratio | 18.3207% | 2,089 |
| Memoranda: | ||
| Average total assets | $116,335,250 | 3,993 |
| Average earning assets | $108,711,250 | 3,983 |
| Average equity | $12,747,250 | 4,059 |
| Average total loans | $96,286,000 | 3,437 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6963% | 1,067 |
| Cost of funding earning assets | 0.2423% | 4,621 |
| Net interest margin | 4.4540% | 630 |
| Noninterest income to average assets | 1.6515% | 419 |
| Noninterest expense to average assets | 3.9942% | 530 |
| Loan and lease loss provision to assets | -0.0426% | 5,598 |
| Net operating income to assets | 1.8626% | 401 |
| Return on assets (ROA) | 1.8626% | 411 |
| Pretax return on assets | 1.8626% | 722 |
| Return on Equity (ROE) | 17.2320% | 391 |
| Retained earnings to average equity (ytd only) | 5.2137% | 2,572 |
| Net charge-offs to loans | 0.0166% | 2,913 |
| Credit loss provision to net charge-offs | -312.5000% | 4,571 |
| Earnings coverage of net charge-offs (x) | 133.6250% | 540 |
| Efficiency ratio | 68.6969% | 2,893 |
| Assets per employee ($millions) | 2.4825% | 5,562 |
| Cash dividends to net income (ytd only)* | 69.7441% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8897% | 4,680 |
| Loan loss allowance to noncurrent loans | 302.8169% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.2548% | 4,108 |
| Noncurrent loans to loans | 0.2938% | 3,988 |
| Net loans and leases to total assets | 83.8925% | 459 |
| Net loans and leases to deposits | 94.9766% | 1,179 |
| Net loans and leases to core deposits | 95.7579% | 2,005 |
| Total domestic deposits to total assets | 88.3296% | 1,287 |
| Equity capital to assets | 11.1616% | 2,644 |
| Core capital (leverage) ratio | 10.3321% | 3,100 |
| Tier 1 risk-based capital ratio | 17.2017% | 2,099 |
| Total risk-based capital ratio | 18.3904% | 2,066 |
| Memoranda: | ||
| Average total assets | $117,471,670 | 3,999 |
| Average earning assets | $109,788,330 | 3,979 |
| Average equity | $12,697,330 | 4,078 |
| Average total loans | $96,317,000 | 3,451 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6143% | 1,103 |
| Cost of funding earning assets | 0.2336% | 4,686 |
| Net interest margin | 4.3807% | 657 |
| Noninterest income to average assets | 1.6623% | 409 |
| Noninterest expense to average assets | 3.8586% | 631 |
| Loan and lease loss provision to assets | 0.0369% | 3,061 |
| Net operating income to assets | 1.8605% | 398 |
| Return on assets (ROA) | 1.8605% | 413 |
| Pretax return on assets | 1.8605% | 704 |
| Return on Equity (ROE) | 17.4860% | 373 |
| Retained earnings to average equity (ytd only) | 17.4860% | 153 |
| Net charge-offs to loans | 0.0374% | 2,045 |
| Credit loss provision to net charge-offs | 122.2222% | 1,376 |
| Earnings coverage of net charge-offs (x) | 62.7778% | 779 |
| Efficiency ratio | 67.0362% | 3,338 |
| Assets per employee ($millions) | 2.5099% | 5,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 4,634 |
| Loan loss allowance to noncurrent loans | 5,966.6667% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 5,092 |
| Noncurrent loans to loans | 0.0156% | 5,177 |
| Net loans and leases to total assets | 79.0376% | 978 |
| Net loans and leases to deposits | 89.0405% | 1,661 |
| Net loans and leases to core deposits | 90.0297% | 2,341 |
| Total domestic deposits to total assets | 88.7659% | 1,283 |
| Equity capital to assets | 10.7526% | 2,906 |
| Core capital (leverage) ratio | 10.6349% | 2,760 |
| Tier 1 risk-based capital ratio | 17.2562% | 2,108 |
| Total risk-based capital ratio | 18.4767% | 2,060 |
| Memoranda: | ||
| Average total assets | $119,110,000 | 4,011 |
| Average earning assets | $111,305,500 | 3,992 |
| Average equity | $12,673,000 | 4,110 |
| Average total loans | $96,145,000 | 3,478 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6756% | 1,103 |
| Cost of funding earning assets | 0.2081% | 4,940 |
| Net interest margin | 4.4674% | 664 |
| Noninterest income to average assets | 1.7544% | 404 |
| Noninterest expense to average assets | 4.1074% | 524 |
| Loan and lease loss provision to assets | 0.1605% | 1,537 |
| Net operating income to assets | 1.6648% | 591 |
| Return on assets (ROA) | 1.6648% | 620 |
| Pretax return on assets | 1.6648% | 1,097 |
| Return on Equity (ROE) | 15.7205% | 535 |
| Retained earnings to average equity (ytd only) | 2.9990% | 3,766 |
| Net charge-offs to loans | 0.2063% | 1,348 |
| Credit loss provision to net charge-offs | 96.4103% | 2,673 |
| Earnings coverage of net charge-offs (x) | 10.9641% | 2,578 |
| Efficiency ratio | 69.2330% | 3,032 |
| Assets per employee ($millions) | 2.4531% | 5,679 |
| Cash dividends to net income (ytd only)* | 80.9231% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9285% | 4,659 |
| Loan loss allowance to noncurrent loans | 97.0652% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 0.8866% | 2,135 |
| Noncurrent loans to loans | 0.9566% | 2,172 |
| Net loans and leases to total assets | 80.9218% | 755 |
| Net loans and leases to deposits | 91.3705% | 1,526 |
| Net loans and leases to core deposits | 92.6823% | 2,237 |
| Total domestic deposits to total assets | 88.5645% | 1,346 |
| Equity capital to assets | 10.5243% | 3,125 |
| Core capital (leverage) ratio | 10.5937% | 2,781 |
| Tier 1 risk-based capital ratio | 16.4264% | 2,374 |
| Total risk-based capital ratio | 17.6387% | 2,330 |
| Memoranda: | ||
| Average total assets | $117,131,200 | 4,045 |
| Average earning assets | $109,548,200 | 4,013 |
| Average equity | $12,404,200 | 4,189 |
| Average total loans | $94,538,800 | 3,489 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6895% | 1,091 |
| Cost of funding earning assets | 0.2118% | 4,958 |
| Net interest margin | 4.4778% | 663 |
| Noninterest income to average assets | 1.7883% | 409 |
| Noninterest expense to average assets | 4.0805% | 534 |
| Loan and lease loss provision to assets | 0.1983% | 1,068 |
| Net operating income to assets | 1.7029% | 587 |
| Return on assets (ROA) | 1.7029% | 625 |
| Pretax return on assets | 1.7029% | 1,109 |
| Return on Equity (ROE) | 16.0547% | 537 |
| Retained earnings to average equity (ytd only) | 3.7504% | 3,635 |
| Net charge-offs to loans | 0.2592% | 903 |
| Credit loss provision to net charge-offs | 95.0820% | 2,457 |
| Earnings coverage of net charge-offs (x) | 9.1149% | 2,706 |
| Efficiency ratio | 68.2165% | 3,189 |
| Assets per employee ($millions) | 2.3937% | 5,773 |
| Cash dividends to net income (ytd only)* | 76.6400% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9415% | 4,701 |
| Loan loss allowance to noncurrent loans | 1,437.0968% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 4,912 |
| Noncurrent loans to loans | 0.0655% | 5,089 |
| Net loans and leases to total assets | 81.5913% | 673 |
| Net loans and leases to deposits | 92.1101% | 1,479 |
| Net loans and leases to core deposits | 92.6838% | 2,317 |
| Total domestic deposits to total assets | 88.5802% | 1,116 |
| Equity capital to assets | 10.9115% | 3,114 |
| Core capital (leverage) ratio | 10.4111% | 3,101 |
| Tier 1 risk-based capital ratio | 16.6547% | 2,357 |
| Total risk-based capital ratio | 17.8835% | 2,310 |
| Memoranda: | ||
| Average total assets | $116,977,250 | 4,073 |
| Average earning assets | $109,546,000 | 4,038 |
| Average equity | $12,407,250 | 4,223 |
| Average total loans | $94,129,500 | 3,516 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6323% | 1,199 |
| Cost of funding earning assets | 0.2125% | 5,011 |
| Net interest margin | 4.4199% | 729 |
| Noninterest income to average assets | 1.7625% | 412 |
| Noninterest expense to average assets | 4.0299% | 570 |
| Loan and lease loss provision to assets | 0.2431% | 811 |
| Net operating income to assets | 1.6266% | 678 |
| Return on assets (ROA) | 1.6266% | 722 |
| Pretax return on assets | 1.6266% | 1,287 |
| Return on Equity (ROE) | 15.4804% | 614 |
| Retained earnings to average equity (ytd only) | 3.1381% | 3,905 |
| Net charge-offs to loans | 0.3023% | 786 |
| Credit loss provision to net charge-offs | 100.7042% | 2,076 |
| Earnings coverage of net charge-offs (x) | 7.7465% | 2,597 |
| Efficiency ratio | 68.3088% | 3,275 |
| Assets per employee ($millions) | 2.5038% | 5,784 |
| Cash dividends to net income (ytd only)* | 79.7283% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9597% | 4,721 |
| Loan loss allowance to noncurrent loans | 698.4496% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.2286% | 4,578 |
| Noncurrent loans to loans | 0.1374% | 4,889 |
| Net loans and leases to total assets | 79.0166% | 1,065 |
| Net loans and leases to deposits | 88.7246% | 1,895 |
| Net loans and leases to core deposits | 89.3254% | 2,599 |
| Total domestic deposits to total assets | 89.0584% | 891 |
| Equity capital to assets | 10.5329% | 3,600 |
| Core capital (leverage) ratio | 10.0850% | 3,467 |
| Tier 1 risk-based capital ratio | 16.2904% | 2,509 |
| Total risk-based capital ratio | 17.5217% | 2,465 |
| Memoranda: | ||
| Average total assets | $117,670,670 | 4,096 |
| Average earning assets | $110,138,670 | 4,052 |
| Average equity | $12,364,000 | 4,256 |
| Average total loans | $93,960,330 | 3,520 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5557% | 1,367 |
| Cost of funding earning assets | 0.2178% | 5,029 |
| Net interest margin | 4.3379% | 851 |
| Noninterest income to average assets | 1.8221% | 387 |
| Noninterest expense to average assets | 3.9433% | 651 |
| Loan and lease loss provision to assets | 0.3909% | 360 |
| Net operating income to assets | 1.5501% | 778 |
| Return on assets (ROA) | 1.5501% | 820 |
| Pretax return on assets | 1.5501% | 1,437 |
| Return on Equity (ROE) | 14.7710% | 708 |
| Retained earnings to average equity (ytd only) | 14.7710% | 264 |
| Net charge-offs to loans | 0.4596% | 489 |
| Credit loss provision to net charge-offs | 106.4815% | 1,550 |
| Earnings coverage of net charge-offs (x) | 5.2870% | 2,337 |
| Efficiency ratio | 67.0133% | 3,631 |
| Assets per employee ($millions) | 2.5162% | 5,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9658% | 4,777 |
| Loan loss allowance to noncurrent loans | 223.9506% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.4735% | 3,705 |
| Noncurrent loans to loans | 0.4313% | 3,895 |
| Net loans and leases to total assets | 78.6420% | 1,004 |
| Net loans and leases to deposits | 88.5244% | 1,764 |
| Net loans and leases to core deposits | 88.8416% | 2,475 |
| Total domestic deposits to total assets | 88.8365% | 1,188 |
| Equity capital to assets | 10.6765% | 3,283 |
| Core capital (leverage) ratio | 10.3728% | 3,105 |
| Tier 1 risk-based capital ratio | 16.7101% | 2,395 |
| Total risk-based capital ratio | 17.9540% | 2,341 |
| Memoranda: | ||
| Average total assets | $117,666,500 | 4,128 |
| Average earning assets | $110,190,500 | 4,089 |
| Average equity | $12,348,500 | 4,275 |
| Average total loans | $93,997,000 | 3,536 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5873% | 1,371 |
| Cost of funding earning assets | 0.2177% | 5,116 |
| Net interest margin | 4.3696% | 848 |
| Noninterest income to average assets | 1.8053% | 409 |
| Noninterest expense to average assets | 4.0815% | 609 |
| Loan and lease loss provision to assets | 0.2003% | 1,069 |
| Net operating income to assets | 1.6299% | 660 |
| Return on assets (ROA) | 1.6299% | 679 |
| Pretax return on assets | 1.6299% | 1,170 |
| Return on Equity (ROE) | 15.5769% | 600 |
| Retained earnings to average equity (ytd only) | 0.4991% | 5,320 |
| Net charge-offs to loans | 0.1787% | 1,603 |
| Credit loss provision to net charge-offs | 147.1698% | 1,807 |
| Earnings coverage of net charge-offs (x) | 13.4465% | 2,370 |
| Efficiency ratio | 69.0414% | 3,394 |
| Assets per employee ($millions) | 2.5451% | 5,865 |
| Cash dividends to net income (ytd only)* | 96.7962% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9566% | 4,830 |
| Loan loss allowance to noncurrent loans | 187.5000% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.4758% | 3,724 |
| Noncurrent loans to loans | 0.5102% | 3,655 |
| Net loans and leases to total assets | 79.5956% | 903 |
| Net loans and leases to deposits | 89.6397% | 1,669 |
| Net loans and leases to core deposits | 89.6397% | 2,441 |
| Total domestic deposits to total assets | 88.7950% | 1,229 |
| Equity capital to assets | 10.3107% | 3,610 |
| Core capital (leverage) ratio | 10.2306% | 3,222 |
| Tier 1 risk-based capital ratio | 15.8961% | 2,738 |
| Total risk-based capital ratio | 17.1160% | 2,691 |
| Memoranda: | ||
| Average total assets | $116,820,200 | 4,119 |
| Average earning assets | $109,780,800 | 4,069 |
| Average equity | $12,223,200 | 4,262 |
| Average total loans | $88,955,600 | 3,611 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5533% | 1,444 |
| Cost of funding earning assets | 0.2212% | 5,170 |
| Net interest margin | 4.3322% | 901 |
| Noninterest income to average assets | 1.7940% | 416 |
| Noninterest expense to average assets | 4.0265% | 647 |
| Loan and lease loss provision to assets | 0.1473% | 1,479 |
| Net operating income to assets | 1.6912% | 639 |
| Return on assets (ROA) | 1.6912% | 662 |
| Pretax return on assets | 1.6912% | 1,133 |
| Return on Equity (ROE) | 16.1046% | 577 |
| Retained earnings to average equity (ytd only) | 1.7616% | 4,995 |
| Net charge-offs to loans | 0.1536% | 1,605 |
| Credit loss provision to net charge-offs | 127.7228% | 1,900 |
| Earnings coverage of net charge-offs (x) | 15.9410% | 2,151 |
| Efficiency ratio | 68.6526% | 3,426 |
| Assets per employee ($millions) | 2.5684% | 5,924 |
| Cash dividends to net income (ytd only)* | 89.0612% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9391% | 5,025 |
| Loan loss allowance to noncurrent loans | 156.5138% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.5235% | 3,752 |
| Noncurrent loans to loans | 0.6000% | 3,523 |
| Net loans and leases to total assets | 77.8501% | 1,124 |
| Net loans and leases to deposits | 87.5542% | 1,966 |
| Net loans and leases to core deposits | 87.5542% | 2,701 |
| Total domestic deposits to total assets | 88.9164% | 1,069 |
| Equity capital to assets | 10.6000% | 3,475 |
| Core capital (leverage) ratio | 10.1920% | 3,383 |
| Tier 1 risk-based capital ratio | 16.6047% | 2,523 |
| Total risk-based capital ratio | 17.8021% | 2,505 |
| Memoranda: | ||
| Average total assets | $116,757,000 | 4,163 |
| Average earning assets | $109,719,000 | 4,120 |
| Average equity | $12,261,250 | 4,308 |
| Average total loans | $87,673,250 | 3,677 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4882% | 1,575 |
| Cost of funding earning assets | 0.2235% | 5,215 |
| Net interest margin | 4.2647% | 987 |
| Noninterest income to average assets | 1.7499% | 447 |
| Noninterest expense to average assets | 3.9675% | 703 |
| Loan and lease loss provision to assets | 0.1417% | 1,540 |
| Net operating income to assets | 1.6475% | 688 |
| Return on assets (ROA) | 1.6475% | 716 |
| Pretax return on assets | 1.6475% | 1,197 |
| Return on Equity (ROE) | 15.7363% | 640 |
| Retained earnings to average equity (ytd only) | 1.5002% | 4,948 |
| Net charge-offs to loans | 0.0623% | 2,487 |
| Credit loss provision to net charge-offs | 307.4074% | 919 |
| Earnings coverage of net charge-offs (x) | 38.8148% | 1,151 |
| Efficiency ratio | 68.9205% | 3,504 |
| Assets per employee ($millions) | 2.5428% | 6,008 |
| Cash dividends to net income (ytd only)* | 90.4663% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 4,857 |
| Loan loss allowance to noncurrent loans | 124.6110% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.6805% | 3,360 |
| Noncurrent loans to loans | 0.8051% | 3,103 |
| Net loans and leases to total assets | 74.3225% | 1,608 |
| Net loans and leases to deposits | 83.2886% | 2,401 |
| Net loans and leases to core deposits | 83.2886% | 3,048 |
| Total domestic deposits to total assets | 89.2348% | 1,031 |
| Equity capital to assets | 10.3599% | 3,605 |
| Core capital (leverage) ratio | 10.0251% | 3,561 |
| Tier 1 risk-based capital ratio | 16.7969% | 2,487 |
| Total risk-based capital ratio | 18.0469% | 2,442 |
| Memoranda: | ||
| Average total assets | $117,150,670 | 4,203 |
| Average earning assets | $110,067,000 | 4,152 |
| Average equity | $12,264,670 | 4,331 |
| Average total loans | $86,621,330 | 3,720 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4751% | 1,532 |
| Cost of funding earning assets | 0.2254% | 5,265 |
| Net interest margin | 4.2497% | 976 |
| Noninterest income to average assets | 1.7741% | 425 |
| Noninterest expense to average assets | 3.8621% | 813 |
| Loan and lease loss provision to assets | 0.0307% | 3,277 |
| Net operating income to assets | 1.8697% | 426 |
| Return on assets (ROA) | 1.8697% | 452 |
| Pretax return on assets | 1.8697% | 757 |
| Return on Equity (ROE) | 17.7663% | 407 |
| Retained earnings to average equity (ytd only) | 16.3073% | 205 |
| Net charge-offs to loans | 0.0279% | 2,619 |
| Credit loss provision to net charge-offs | 150.0000% | 1,240 |
| Earnings coverage of net charge-offs (x) | 92.8333% | 527 |
| Efficiency ratio | 67.0219% | 3,987 |
| Assets per employee ($millions) | 2.6257% | 6,026 |
| Cash dividends to net income (ytd only)* | 8.2117% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 5,170 |
| Loan loss allowance to noncurrent loans | 86.0707% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 1.1493% | 2,339 |
| Noncurrent loans to loans | 1.1266% | 2,520 |
| Net loans and leases to total assets | 71.5704% | 1,882 |
| Net loans and leases to deposits | 80.4827% | 2,510 |
| Net loans and leases to core deposits | 80.4827% | 3,109 |
| Total domestic deposits to total assets | 88.9264% | 1,320 |
| Equity capital to assets | 10.6741% | 3,342 |
| Core capital (leverage) ratio | 10.3653% | 3,145 |
| Tier 1 risk-based capital ratio | 17.8118% | 2,194 |
| Total risk-based capital ratio | 19.0237% | 2,175 |
| Memoranda: | ||
| Average total assets | $117,241,000 | 4,232 |
| Average earning assets | $110,031,500 | 4,180 |
| Average equity | $12,338,000 | 4,350 |
| Average total loans | $86,024,000 | 3,751 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7170% | 1,264 |
| Cost of funding earning assets | 0.2760% | 5,040 |
| Net interest margin | 4.4410% | 830 |
| Noninterest income to average assets | 1.9028% | 369 |
| Noninterest expense to average assets | 3.9137% | 842 |
| Loan and lease loss provision to assets | 0.0329% | 3,938 |
| Net operating income to assets | 2.1392% | 253 |
| Return on assets (ROA) | 2.1434% | 255 |
| Pretax return on assets | 2.1434% | 368 |
| Return on Equity (ROE) | 21.1580% | 200 |
| Retained earnings to average equity (ytd only) | 3.7999% | 3,508 |
| Net charge-offs to loans | 0.0540% | 3,751 |
| Credit loss provision to net charge-offs | 82.9787% | 2,805 |
| Earnings coverage of net charge-offs (x) | 54.7447% | 855 |
| Efficiency ratio | 64.3085% | 4,547 |
| Assets per employee ($millions) | 2.6438% | 6,073 |
| Cash dividends to net income (ytd only)* | 82.0402% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9509% | 5,287 |
| Loan loss allowance to noncurrent loans | 79.1547% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 1.3041% | 2,158 |
| Noncurrent loans to loans | 1.2013% | 2,446 |
| Net loans and leases to total assets | 73.7851% | 1,622 |
| Net loans and leases to deposits | 83.2674% | 2,304 |
| Net loans and leases to core deposits | 83.6879% | 2,927 |
| Total domestic deposits to total assets | 88.6123% | 1,466 |
| Equity capital to assets | 10.3708% | 3,640 |
| Core capital (leverage) ratio | 10.2005% | 3,307 |
| Tier 1 risk-based capital ratio | 17.1675% | 2,443 |
| Total risk-based capital ratio | 18.3801% | 2,424 |
| Memoranda: | ||
| Average total assets | $118,455,800 | 4,217 |
| Average earning assets | $111,575,200 | 4,145 |
| Average equity | $12,000,200 | 4,362 |
| Average total loans | $86,968,200 | 3,701 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7264% | 1,245 |
| Cost of funding earning assets | 0.2935% | 4,941 |
| Net interest margin | 4.4329% | 845 |
| Noninterest income to average assets | 1.9015% | 375 |
| Noninterest expense to average assets | 3.8165% | 949 |
| Loan and lease loss provision to assets | 0.0437% | 3,524 |
| Net operating income to assets | 2.2220% | 229 |
| Return on assets (ROA) | 2.2276% | 232 |
| Pretax return on assets | 2.2276% | 347 |
| Return on Equity (ROE) | 22.1174% | 185 |
| Retained earnings to average equity (ytd only) | 6.0523% | 2,377 |
| Net charge-offs to loans | 0.0368% | 3,754 |
| Credit loss provision to net charge-offs | 162.5000% | 1,495 |
| Earnings coverage of net charge-offs (x) | 84.2478% | 676 |
| Efficiency ratio | 62.7487% | 4,773 |
| Assets per employee ($millions) | 2.4600% | 6,250 |
| Cash dividends to net income (ytd only)* | 72.6360% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9674% | 5,352 |
| Loan loss allowance to noncurrent loans | 178.3158% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.5391% | 4,257 |
| Noncurrent loans to loans | 0.5425% | 4,302 |
| Net loans and leases to total assets | 76.6200% | 1,148 |
| Net loans and leases to deposits | 86.1749% | 1,889 |
| Net loans and leases to core deposits | 86.6191% | 2,595 |
| Total domestic deposits to total assets | 88.9123% | 1,298 |
| Equity capital to assets | 10.6963% | 3,310 |
| Core capital (leverage) ratio | 10.2623% | 3,327 |
| Tier 1 risk-based capital ratio | 16.8942% | 2,655 |
| Total risk-based capital ratio | 18.1117% | 2,614 |
| Memoranda: | ||
| Average total assets | $118,988,000 | 4,238 |
| Average earning assets | $112,218,250 | 4,167 |
| Average equity | $11,984,250 | 4,391 |
| Average total loans | $87,046,250 | 3,727 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6976% | 1,285 |
| Cost of funding earning assets | 0.3242% | 4,710 |
| Net interest margin | 4.3735% | 893 |
| Noninterest income to average assets | 1.9036% | 371 |
| Noninterest expense to average assets | 3.6963% | 1,144 |
| Loan and lease loss provision to assets | 0.0066% | 4,103 |
| Net operating income to assets | 2.3286% | 184 |
| Return on assets (ROA) | 2.3369% | 187 |
| Pretax return on assets | 2.3369% | 282 |
| Return on Equity (ROE) | 23.6598% | 148 |
| Retained earnings to average equity (ytd only) | 9.6447% | 808 |
| Net charge-offs to loans | 0.0115% | 4,019 |
| Credit loss provision to net charge-offs | 80.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 282.4000% | 240 |
| Efficiency ratio | 61.2832% | 5,106 |
| Assets per employee ($millions) | 2.5909% | 6,223 |
| Cash dividends to net income (ytd only)* | 59.2357% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9574% | 5,532 |
| Loan loss allowance to noncurrent loans | 96.9662% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 0.8869% | 3,330 |
| Noncurrent loans to loans | 0.9874% | 3,256 |
| Net loans and leases to total assets | 70.5940% | 1,984 |
| Net loans and leases to deposits | 78.6861% | 2,710 |
| Net loans and leases to core deposits | 79.0588% | 3,315 |
| Total domestic deposits to total assets | 89.7159% | 956 |
| Equity capital to assets | 9.9901% | 4,120 |
| Core capital (leverage) ratio | 9.6951% | 4,053 |
| Tier 1 risk-based capital ratio | 16.6274% | 2,772 |
| Total risk-based capital ratio | 17.7998% | 2,769 |
| Memoranda: | ||
| Average total assets | $120,930,330 | 4,216 |
| Average earning assets | $114,142,670 | 4,144 |
| Average equity | $11,944,330 | 4,404 |
| Average total loans | $86,878,000 | 3,749 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7653% | 1,114 |
| Cost of funding earning assets | 0.3343% | 4,700 |
| Net interest margin | 4.4309% | 755 |
| Noninterest income to average assets | 1.8455% | 384 |
| Noninterest expense to average assets | 3.6445% | 1,224 |
| Loan and lease loss provision to assets | 0.0797% | 2,555 |
| Net operating income to assets | 2.3002% | 202 |
| Return on assets (ROA) | 2.3168% | 204 |
| Pretax return on assets | 2.3168% | 300 |
| Return on Equity (ROE) | 23.5930% | 156 |
| Retained earnings to average equity (ytd only) | 23.5930% | 68 |
| Net charge-offs to loans | -0.0046% | 4,803 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4959% | 5,335 |
| Assets per employee ($millions) | 2.6069% | 6,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9867% | 5,577 |
| Loan loss allowance to noncurrent loans | 333.4630% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.4056% | 4,927 |
| Noncurrent loans to loans | 0.2959% | 5,230 |
| Net loans and leases to total assets | 70.1907% | 1,856 |
| Net loans and leases to deposits | 78.2122% | 2,524 |
| Net loans and leases to core deposits | 78.5788% | 3,140 |
| Total domestic deposits to total assets | 89.7439% | 1,212 |
| Equity capital to assets | 9.9672% | 3,881 |
| Core capital (leverage) ratio | 9.8918% | 3,726 |
| Tier 1 risk-based capital ratio | 16.8389% | 2,763 |
| Total risk-based capital ratio | 18.0508% | 2,738 |
| Memoranda: | ||
| Average total assets | $120,510,000 | 4,265 |
| Average earning assets | $113,656,000 | 4,187 |
| Average equity | $11,834,000 | 4,438 |
| Average total loans | $86,920,000 | 3,773 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1274% | 734 |
| Cost of funding earning assets | 0.3685% | 4,971 |
| Net interest margin | 4.7589% | 468 |
| Noninterest income to average assets | 1.7580% | 484 |
| Noninterest expense to average assets | 3.9387% | 937 |
| Loan and lease loss provision to assets | 0.0043% | 5,031 |
| Net operating income to assets | 2.2761% | 217 |
| Return on assets (ROA) | 2.2761% | 222 |
| Pretax return on assets | 2.2761% | 277 |
| Return on Equity (ROE) | 22.7898% | 184 |
| Retained earnings to average equity (ytd only) | 3.5531% | 3,687 |
| Net charge-offs to loans | 0.2317% | 2,602 |
| Credit loss provision to net charge-offs | 2.4631% | 4,677 |
| Earnings coverage of net charge-offs (x) | 13.0739% | 2,066 |
| Efficiency ratio | 63.3324% | 5,002 |
| Assets per employee ($millions) | 2.5212% | 6,387 |
| Cash dividends to net income (ytd only)* | 84.4092% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9565% | 5,736 |
| Loan loss allowance to noncurrent loans | 224.8649% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.5097% | 4,714 |
| Noncurrent loans to loans | 0.4254% | 4,929 |
| Net loans and leases to total assets | 72.7033% | 1,561 |
| Net loans and leases to deposits | 81.5131% | 2,250 |
| Net loans and leases to core deposits | 82.1058% | 2,885 |
| Total domestic deposits to total assets | 89.1922% | 1,493 |
| Equity capital to assets | 9.6677% | 4,200 |
| Core capital (leverage) ratio | 9.6524% | 4,054 |
| Tier 1 risk-based capital ratio | 16.5863% | 2,804 |
| Total risk-based capital ratio | 17.8173% | 2,786 |
| Memoranda: | ||
| Average total assets | $116,382,200 | 4,353 |
| Average earning assets | $109,100,400 | 4,287 |
| Average equity | $11,623,600 | 4,527 |
| Average total loans | $87,628,000 | 3,746 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1631% | 697 |
| Cost of funding earning assets | 0.3784% | 5,015 |
| Net interest margin | 4.7846% | 444 |
| Noninterest income to average assets | 1.8137% | 478 |
| Noninterest expense to average assets | 3.9509% | 905 |
| Loan and lease loss provision to assets | 0.0495% | 4,026 |
| Net operating income to assets | 2.2948% | 219 |
| Return on assets (ROA) | 2.2948% | 230 |
| Pretax return on assets | 2.2948% | 322 |
| Return on Equity (ROE) | 22.7903% | 174 |
| Retained earnings to average equity (ytd only) | 7.4520% | 1,670 |
| Net charge-offs to loans | 0.2901% | 2,086 |
| Credit loss provision to net charge-offs | 22.5131% | 4,027 |
| Earnings coverage of net charge-offs (x) | 10.6649% | 2,333 |
| Efficiency ratio | 62.7605% | 5,020 |
| Assets per employee ($millions) | 2.4865% | 6,488 |
| Cash dividends to net income (ytd only)* | 67.3020% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 5,674 |
| Loan loss allowance to noncurrent loans | 202.7586% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.6974% | 4,370 |
| Noncurrent loans to loans | 0.4977% | 4,951 |
| Net loans and leases to total assets | 74.0404% | 1,285 |
| Net loans and leases to deposits | 82.7117% | 2,045 |
| Net loans and leases to core deposits | 83.3178% | 2,727 |
| Total domestic deposits to total assets | 89.5162% | 1,286 |
| Equity capital to assets | 10.0748% | 3,802 |
| Core capital (leverage) ratio | 9.6959% | 4,111 |
| Tier 1 risk-based capital ratio | 16.3415% | 3,017 |
| Total risk-based capital ratio | 17.6003% | 2,981 |
| Memoranda: | ||
| Average total assets | $115,853,250 | 4,416 |
| Average earning assets | $108,511,750 | 4,344 |
| Average equity | $11,665,500 | 4,561 |
| Average total loans | $87,789,000 | 3,763 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1720% | 667 |
| Cost of funding earning assets | 0.3829% | 5,106 |
| Net interest margin | 4.7890% | 441 |
| Noninterest income to average assets | 1.7868% | 524 |
| Noninterest expense to average assets | 3.8748% | 1,012 |
| Loan and lease loss provision to assets | 0.0260% | 4,400 |
| Net operating income to assets | 2.3685% | 196 |
| Return on assets (ROA) | 2.3685% | 210 |
| Pretax return on assets | 2.3685% | 319 |
| Return on Equity (ROE) | 23.5267% | 154 |
| Retained earnings to average equity (ytd only) | 8.6849% | 1,231 |
| Net charge-offs to loans | 0.3822% | 1,691 |
| Credit loss provision to net charge-offs | 8.9286% | 3,911 |
| Earnings coverage of net charge-offs (x) | 8.2321% | 2,439 |
| Efficiency ratio | 61.8061% | 5,201 |
| Assets per employee ($millions) | 2.5574% | 6,442 |
| Cash dividends to net income (ytd only)* | 63.0848% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 5,815 |
| Loan loss allowance to noncurrent loans | 232.0106% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.8969% | 3,995 |
| Noncurrent loans to loans | 0.4318% | 5,181 |
| Net loans and leases to total assets | 72.1022% | 1,562 |
| Net loans and leases to deposits | 80.1376% | 2,300 |
| Net loans and leases to core deposits | 80.9868% | 2,914 |
| Total domestic deposits to total assets | 89.9730% | 1,038 |
| Equity capital to assets | 9.6775% | 4,344 |
| Core capital (leverage) ratio | 9.9992% | 3,521 |
| Tier 1 risk-based capital ratio | 16.2619% | 3,064 |
| Total risk-based capital ratio | 17.5237% | 3,003 |
| Memoranda: | ||
| Average total assets | $115,515,670 | 4,450 |
| Average earning assets | $108,121,670 | 4,380 |
| Average equity | $11,629,330 | 4,605 |
| Average total loans | $87,915,330 | 3,770 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3072% | 509 |
| Cost of funding earning assets | 0.4048% | 5,059 |
| Net interest margin | 4.9024% | 336 |
| Noninterest income to average assets | 1.7848% | 507 |
| Noninterest expense to average assets | 3.8595% | 1,048 |
| Loan and lease loss provision to assets | -0.0672% | 6,806 |
| Net operating income to assets | 2.5730% | 145 |
| Return on assets (ROA) | 2.5730% | 154 |
| Pretax return on assets | 2.5730% | 240 |
| Return on Equity (ROE) | 25.0430% | 125 |
| Retained earnings to average equity (ytd only) | 25.0430% | 64 |
| Net charge-offs to loans | 0.4359% | 1,361 |
| Credit loss provision to net charge-offs | -19.7917% | 4,987 |
| Earnings coverage of net charge-offs (x) | 7.3854% | 2,075 |
| Efficiency ratio | 60.6330% | 5,501 |
| Assets per employee ($millions) | 2.4192% | 6,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 5,790 |
| Loan loss allowance to noncurrent loans | 209.3822% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 1.0132% | 3,900 |
| Noncurrent loans to loans | 0.5022% | 5,171 |
| Net loans and leases to total assets | 75.7236% | 875 |
| Net loans and leases to deposits | 84.9858% | 1,473 |
| Net loans and leases to core deposits | 85.9462% | 2,111 |
| Total domestic deposits to total assets | 89.1014% | 1,626 |
| Equity capital to assets | 10.5301% | 3,513 |
| Core capital (leverage) ratio | 10.2399% | 3,092 |
| Tier 1 risk-based capital ratio | 16.5408% | 2,979 |
| Total risk-based capital ratio | 17.8038% | 2,929 |
| Memoranda: | ||
| Average total assets | $113,175,500 | 4,548 |
| Average earning assets | $105,743,500 | 4,481 |
| Average equity | $11,628,000 | 4,646 |
| Average total loans | $88,102,500 | 3,789 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8165% | 356 |
| Cost of funding earning assets | 0.4975% | 5,235 |
| Net interest margin | 5.3190% | 229 |
| Noninterest income to average assets | 1.9107% | 465 |
| Noninterest expense to average assets | 4.2857% | 691 |
| Loan and lease loss provision to assets | 0.3863% | 1,689 |
| Net operating income to assets | 2.2020% | 256 |
| Return on assets (ROA) | 2.2020% | 279 |
| Pretax return on assets | 2.2020% | 412 |
| Return on Equity (ROE) | 22.1069% | 216 |
| Retained earnings to average equity (ytd only) | 4.5527% | 3,017 |
| Net charge-offs to loans | 0.3854% | 2,710 |
| Credit loss provision to net charge-offs | 122.7920% | 2,322 |
| Earnings coverage of net charge-offs (x) | 8.2279% | 2,445 |
| Efficiency ratio | 62.3468% | 5,190 |
| Assets per employee ($millions) | 2.2088% | 6,829 |
| Cash dividends to net income (ytd only)* | 79.4058% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 5,324 |
| Loan loss allowance to noncurrent loans | 106.9574% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 1.2801% | 3,511 |
| Noncurrent loans to loans | 1.0797% | 4,046 |
| Net loans and leases to total assets | 78.2615% | 646 |
| Net loans and leases to deposits | 88.2809% | 1,235 |
| Net loans and leases to core deposits | 88.9553% | 1,973 |
| Total domestic deposits to total assets | 88.6505% | 1,809 |
| Equity capital to assets | 10.0162% | 4,143 |
| Core capital (leverage) ratio | 9.6161% | 3,939 |
| Tier 1 risk-based capital ratio | 15.7345% | 3,302 |
| Total risk-based capital ratio | 17.0009% | 3,247 |
| Memoranda: | ||
| Average total assets | $111,581,000 | 4,555 |
| Average earning assets | $104,118,200 | 4,489 |
| Average equity | $11,114,200 | 4,737 |
| Average total loans | $91,070,000 | 3,720 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8526% | 365 |
| Cost of funding earning assets | 0.5189% | 5,313 |
| Net interest margin | 5.3338% | 229 |
| Noninterest income to average assets | 1.9176% | 445 |
| Noninterest expense to average assets | 4.2869% | 662 |
| Loan and lease loss provision to assets | 0.5510% | 1,049 |
| Net operating income to assets | 2.0542% | 356 |
| Return on assets (ROA) | 2.0542% | 397 |
| Pretax return on assets | 2.0542% | 620 |
| Return on Equity (ROE) | 20.6522% | 299 |
| Retained earnings to average equity (ytd only) | 4.5278% | 3,714 |
| Net charge-offs to loans | 0.4675% | 2,232 |
| Credit loss provision to net charge-offs | 143.3022% | 2,005 |
| Earnings coverage of net charge-offs (x) | 6.7757% | 2,715 |
| Efficiency ratio | 62.2002% | 5,121 |
| Assets per employee ($millions) | 2.0733% | 6,974 |
| Cash dividends to net income (ytd only)* | 78.0758% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 5,278 |
| Loan loss allowance to noncurrent loans | 80.7265% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 1.9877% | 2,657 |
| Noncurrent loans to loans | 1.4870% | 3,557 |
| Net loans and leases to total assets | 83.1356% | 272 |
| Net loans and leases to deposits | 93.4036% | 835 |
| Net loans and leases to core deposits | 94.1443% | 1,574 |
| Total domestic deposits to total assets | 89.0069% | 1,418 |
| Equity capital to assets | 10.3772% | 3,976 |
| Core capital (leverage) ratio | 9.9288% | 3,652 |
| Tier 1 risk-based capital ratio | 15.1657% | 3,731 |
| Total risk-based capital ratio | 16.3996% | 3,692 |
| Memoranda: | ||
| Average total assets | $111,314,250 | 4,608 |
| Average earning assets | $103,813,750 | 4,545 |
| Average equity | $11,072,000 | 4,788 |
| Average total loans | $91,540,000 | 3,743 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7714% | 422 |
| Cost of funding earning assets | 0.5427% | 5,352 |
| Net interest margin | 5.2287% | 276 |
| Noninterest income to average assets | 1.9061% | 428 |
| Noninterest expense to average assets | 4.2745% | 667 |
| Loan and lease loss provision to assets | 0.4819% | 1,316 |
| Net operating income to assets | 2.0323% | 374 |
| Return on assets (ROA) | 2.0323% | 419 |
| Pretax return on assets | 2.0323% | 652 |
| Return on Equity (ROE) | 20.7190% | 310 |
| Retained earnings to average equity (ytd only) | 5.1299% | 3,202 |
| Net charge-offs to loans | 0.4640% | 2,212 |
| Credit loss provision to net charge-offs | 127.2300% | 2,163 |
| Earnings coverage of net charge-offs (x) | 6.6385% | 2,604 |
| Efficiency ratio | 62.9649% | 5,087 |
| Assets per employee ($millions) | 2.2496% | 6,951 |
| Cash dividends to net income (ytd only)* | 75.2406% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 5,750 |
| Loan loss allowance to noncurrent loans | 58.4009% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 2.1658% | 2,590 |
| Noncurrent loans to loans | 1.8928% | 3,087 |
| Net loans and leases to total assets | 80.1775% | 484 |
| Net loans and leases to deposits | 89.4388% | 1,203 |
| Net loans and leases to core deposits | 90.1117% | 1,970 |
| Total domestic deposits to total assets | 89.6451% | 1,131 |
| Equity capital to assets | 9.8215% | 4,590 |
| Core capital (leverage) ratio | 9.4336% | 4,246 |
| Tier 1 risk-based capital ratio | 14.8373% | 3,871 |
| Total risk-based capital ratio | 16.0859% | 3,827 |
| Memoranda: | ||
| Average total assets | $112,481,330 | 4,603 |
| Average earning assets | $105,035,000 | 4,536 |
| Average equity | $11,033,330 | 4,801 |
| Average total loans | $91,813,330 | 3,761 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8621% | 378 |
| Cost of funding earning assets | 0.5755% | 5,313 |
| Net interest margin | 5.2866% | 256 |
| Noninterest income to average assets | 1.9132% | 440 |
| Noninterest expense to average assets | 4.2886% | 677 |
| Loan and lease loss provision to assets | 0.4658% | 1,318 |
| Net operating income to assets | 2.0910% | 359 |
| Return on assets (ROA) | 2.0910% | 414 |
| Pretax return on assets | 2.0910% | 647 |
| Return on Equity (ROE) | 21.3304% | 300 |
| Retained earnings to average equity (ytd only) | 21.3304% | 150 |
| Net charge-offs to loans | 0.6166% | 1,554 |
| Credit loss provision to net charge-offs | 92.2535% | 2,510 |
| Earnings coverage of net charge-offs (x) | 5.0634% | 2,449 |
| Efficiency ratio | 62.6494% | 5,161 |
| Assets per employee ($millions) | 2.3479% | 6,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 6,159 |
| Loan loss allowance to noncurrent loans | 62.0621% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 2.0001% | 2,896 |
| Noncurrent loans to loans | 1.6526% | 3,620 |
| Net loans and leases to total assets | 78.7615% | 518 |
| Net loans and leases to deposits | 87.7148% | 1,204 |
| Net loans and leases to core deposits | 88.3571% | 2,010 |
| Total domestic deposits to total assets | 89.7928% | 1,198 |
| Equity capital to assets | 9.8352% | 4,326 |
| Core capital (leverage) ratio | 9.4883% | 4,067 |
| Tier 1 risk-based capital ratio | 15.0017% | 3,763 |
| Total risk-based capital ratio | 16.2246% | 3,735 |
| Memoranda: | ||
| Average total assets | $112,483,000 | 4,641 |
| Average earning assets | $104,945,000 | 4,572 |
| Average equity | $11,026,500 | 4,821 |
| Average total loans | $92,125,000 | 3,775 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5500% | 171 |
| Cost of funding earning assets | 0.7479% | 5,227 |
| Net interest margin | 5.8021% | 112 |
| Noninterest income to average assets | 1.6701% | 501 |
| Noninterest expense to average assets | 4.6316% | 513 |
| Loan and lease loss provision to assets | 0.1141% | 5,167 |
| Net operating income to assets | 2.3053% | 183 |
| Return on assets (ROA) | 2.3026% | 198 |
| Pretax return on assets | 2.3026% | 297 |
| Return on Equity (ROE) | 23.6444% | 145 |
| Retained earnings to average equity (ytd only) | -0.2343% | 5,894 |
| Net charge-offs to loans | 0.1829% | 4,686 |
| Credit loss provision to net charge-offs | 74.8503% | 4,680 |
| Earnings coverage of net charge-offs (x) | 15.8743% | 1,367 |
| Efficiency ratio | 65.3637% | 4,887 |
| Assets per employee ($millions) | 2.2433% | 7,054 |
| Cash dividends to net income (ytd only)* | 100.9909% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0248% | 6,094 |
| Loan loss allowance to noncurrent loans | 105.5556% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 1.2636% | 4,119 |
| Noncurrent loans to loans | 0.9709% | 4,767 |
| Net loans and leases to total assets | 83.4689% | 238 |
| Net loans and leases to deposits | 93.7918% | 827 |
| Net loans and leases to core deposits | 94.2736% | 1,667 |
| Total domestic deposits to total assets | 88.9938% | 1,536 |
| Equity capital to assets | 9.7689% | 4,481 |
| Core capital (leverage) ratio | 9.4013% | 4,181 |
| Tier 1 risk-based capital ratio | 14.2782% | 4,125 |
| Total risk-based capital ratio | 15.5240% | 4,093 |
| Memoranda: | ||
| Average total assets | $109,573,800 | 4,650 |
| Average earning assets | $101,619,000 | 4,595 |
| Average equity | $10,670,600 | 4,868 |
| Average total loans | $91,285,000 | 3,823 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5914% | 172 |
| Cost of funding earning assets | 0.7937% | 5,188 |
| Net interest margin | 5.7977% | 117 |
| Noninterest income to average assets | 1.7122% | 474 |
| Noninterest expense to average assets | 4.5569% | 548 |
| Loan and lease loss provision to assets | 0.1595% | 4,470 |
| Net operating income to assets | 2.3686% | 189 |
| Return on assets (ROA) | 2.3649% | 201 |
| Pretax return on assets | 2.3649% | 321 |
| Return on Equity (ROE) | 24.3038% | 153 |
| Retained earnings to average equity (ytd only) | -0.8009% | 6,118 |
| Net charge-offs to loans | 0.0572% | 5,400 |
| Credit loss provision to net charge-offs | 335.8974% | 841 |
| Earnings coverage of net charge-offs (x) | 53.2294% | 610 |
| Efficiency ratio | 64.3176% | 5,011 |
| Assets per employee ($millions) | 2.2511% | 7,109 |
| Cash dividends to net income (ytd only)* | 103.2955% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0896% | 5,931 |
| Loan loss allowance to noncurrent loans | 220.3540% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.9229% | 4,909 |
| Noncurrent loans to loans | 0.4945% | 5,854 |
| Net loans and leases to total assets | 81.9668% | 362 |
| Net loans and leases to deposits | 91.6065% | 1,045 |
| Net loans and leases to core deposits | 92.0729% | 1,987 |
| Total domestic deposits to total assets | 89.4771% | 1,154 |
| Equity capital to assets | 9.7115% | 4,763 |
| Core capital (leverage) ratio | 9.3136% | 4,430 |
| Tier 1 risk-based capital ratio | 14.3981% | 4,053 |
| Total risk-based capital ratio | 15.6482% | 4,022 |
| Memoranda: | ||
| Average total assets | $109,487,250 | 4,689 |
| Average earning assets | $101,462,500 | 4,628 |
| Average equity | $10,653,750 | 4,880 |
| Average total loans | $90,931,500 | 3,869 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5931% | 183 |
| Cost of funding earning assets | 0.8461% | 5,089 |
| Net interest margin | 5.7470% | 121 |
| Noninterest income to average assets | 1.7525% | 442 |
| Noninterest expense to average assets | 4.5451% | 565 |
| Loan and lease loss provision to assets | 0.1703% | 4,229 |
| Net operating income to assets | 2.3605% | 202 |
| Return on assets (ROA) | 2.3550% | 216 |
| Pretax return on assets | 2.3550% | 312 |
| Return on Equity (ROE) | 24.1858% | 155 |
| Retained earnings to average equity (ytd only) | -4.5701% | 6,533 |
| Net charge-offs to loans | 0.3173% | 3,285 |
| Credit loss provision to net charge-offs | 64.5833% | 4,219 |
| Earnings coverage of net charge-offs (x) | 9.5972% | 1,901 |
| Efficiency ratio | 64.2340% | 5,195 |
| Assets per employee ($millions) | 2.2105% | 7,179 |
| Cash dividends to net income (ytd only)* | 118.8958% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9338% | 6,570 |
| Loan loss allowance to noncurrent loans | 343.9024% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.8124% | 5,257 |
| Noncurrent loans to loans | 0.2715% | 6,382 |
| Net loans and leases to total assets | 82.8648% | 312 |
| Net loans and leases to deposits | 92.6083% | 988 |
| Net loans and leases to core deposits | 93.0885% | 2,008 |
| Total domestic deposits to total assets | 89.4788% | 1,256 |
| Equity capital to assets | 9.6875% | 4,552 |
| Core capital (leverage) ratio | 9.3158% | 4,230 |
| Tier 1 risk-based capital ratio | 14.2969% | 3,943 |
| Total risk-based capital ratio | 15.5005% | 3,954 |
| Memoranda: | ||
| Average total assets | $109,215,670 | 4,720 |
| Average earning assets | $101,166,670 | 4,678 |
| Average equity | $10,634,330 | 4,887 |
| Average total loans | $90,773,000 | 3,925 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5766% | 185 |
| Cost of funding earning assets | 0.8968% | 4,948 |
| Net interest margin | 5.6798% | 125 |
| Noninterest income to average assets | 1.8383% | 415 |
| Noninterest expense to average assets | 4.3733% | 673 |
| Loan and lease loss provision to assets | 0.2517% | 3,138 |
| Net operating income to assets | 2.4803% | 181 |
| Return on assets (ROA) | 2.4693% | 191 |
| Pretax return on assets | 2.4693% | 258 |
| Return on Equity (ROE) | 25.2966% | 160 |
| Retained earnings to average equity (ytd only) | 0.2989% | 5,686 |
| Net charge-offs to loans | 0.4094% | 2,459 |
| Credit loss provision to net charge-offs | 74.1935% | 3,274 |
| Earnings coverage of net charge-offs (x) | 8.0538% | 1,866 |
| Efficiency ratio | 61.5503% | 5,750 |
| Assets per employee ($millions) | 2.2424% | 7,226 |
| Cash dividends to net income (ytd only)* | 98.8183% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9132% | 6,663 |
| Loan loss allowance to noncurrent loans | 183.9286% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.9420% | 5,005 |
| Noncurrent loans to loans | 0.4965% | 6,025 |
| Net loans and leases to total assets | 81.3737% | 403 |
| Net loans and leases to deposits | 90.7054% | 1,157 |
| Net loans and leases to core deposits | 91.4064% | 2,184 |
| Total domestic deposits to total assets | 89.7121% | 1,350 |
| Equity capital to assets | 9.7373% | 4,129 |
| Core capital (leverage) ratio | 9.4091% | 3,944 |
| Tier 1 risk-based capital ratio | 14.6352% | 3,650 |
| Total risk-based capital ratio | 15.8059% | 3,665 |
| Memoranda: | ||
| Average total assets | $109,666,000 | 4,741 |
| Average earning assets | $101,694,500 | 4,698 |
| Average equity | $10,705,000 | 4,867 |
| Average total loans | $90,859,000 | 3,952 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7227% | 226 |
| Cost of funding earning assets | 1.2533% | 4,196 |
| Net interest margin | 5.4694% | 182 |
| Noninterest income to average assets | 1.7283% | 501 |
| Noninterest expense to average assets | 4.5041% | 648 |
| Loan and lease loss provision to assets | 0.1919% | 5,310 |
| Net operating income to assets | 2.1013% | 233 |
| Return on assets (ROA) | 2.1013% | 245 |
| Pretax return on assets | 2.1013% | 386 |
| Return on Equity (ROE) | 22.6735% | 153 |
| Retained earnings to average equity (ytd only) | 7.5709% | 1,127 |
| Net charge-offs to loans | 0.2643% | 4,712 |
| Credit loss provision to net charge-offs | 86.5306% | 5,259 |
| Earnings coverage of net charge-offs (x) | 10.3388% | 1,724 |
| Efficiency ratio | 66.2627% | 4,926 |
| Assets per employee ($millions) | 2.1462% | 7,336 |
| Cash dividends to net income (ytd only)* | 66.6092% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9007% | 6,720 |
| Loan loss allowance to noncurrent loans | 192.0746% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 1.0890% | 4,833 |
| Noncurrent loans to loans | 0.4689% | 6,106 |
| Net loans and leases to total assets | 82.8276% | 395 |
| Net loans and leases to deposits | 92.6340% | 1,187 |
| Net loans and leases to core deposits | 93.3541% | 2,337 |
| Total domestic deposits to total assets | 89.4139% | 1,432 |
| Equity capital to assets | 9.7858% | 4,016 |
| Core capital (leverage) ratio | 9.4391% | 3,787 |
| Tier 1 risk-based capital ratio | 14.3665% | 3,636 |
| Total risk-based capital ratio | 15.5167% | 3,656 |
| Memoranda: | ||
| Average total assets | $110,454,000 | 4,703 |
| Average earning assets | $102,370,200 | 4,661 |
| Average equity | $10,236,600 | 5,064 |
| Average total loans | $92,712,800 | 3,986 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7295% | 224 |
| Cost of funding earning assets | 1.3236% | 4,081 |
| Net interest margin | 5.4060% | 206 |
| Noninterest income to average assets | 1.7235% | 482 |
| Noninterest expense to average assets | 4.3695% | 687 |
| Loan and lease loss provision to assets | 0.2156% | 4,908 |
| Net operating income to assets | 2.1510% | 264 |
| Return on assets (ROA) | 2.1510% | 280 |
| Pretax return on assets | 2.1510% | 456 |
| Return on Equity (ROE) | 23.5350% | 150 |
| Retained earnings to average equity (ytd only) | 3.1626% | 4,213 |
| Net charge-offs to loans | 0.1390% | 5,190 |
| Credit loss provision to net charge-offs | 184.5361% | 1,964 |
| Earnings coverage of net charge-offs (x) | 20.2577% | 1,176 |
| Efficiency ratio | 64.8668% | 5,074 |
| Assets per employee ($millions) | 2.1804% | 7,400 |
| Cash dividends to net income (ytd only)* | 86.5622% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9004% | 6,740 |
| Loan loss allowance to noncurrent loans | 137.0675% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 1.2224% | 4,706 |
| Noncurrent loans to loans | 0.6569% | 5,892 |
| Net loans and leases to total assets | 85.7084% | 226 |
| Net loans and leases to deposits | 95.6205% | 1,033 |
| Net loans and leases to core deposits | 96.3793% | 2,215 |
| Total domestic deposits to total assets | 89.6339% | 1,059 |
| Equity capital to assets | 9.5752% | 4,734 |
| Core capital (leverage) ratio | 9.1739% | 4,418 |
| Tier 1 risk-based capital ratio | 13.6044% | 4,113 |
| Total risk-based capital ratio | 14.7643% | 4,149 |
| Memoranda: | ||
| Average total assets | $110,703,750 | 4,749 |
| Average earning assets | $102,649,500 | 4,705 |
| Average equity | $10,118,000 | 5,156 |
| Average total loans | $93,020,250 | 4,052 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6782% | 254 |
| Cost of funding earning assets | 1.3730% | 4,038 |
| Net interest margin | 5.3052% | 245 |
| Noninterest income to average assets | 1.7216% | 447 |
| Noninterest expense to average assets | 4.2199% | 797 |
| Loan and lease loss provision to assets | 0.3554% | 3,586 |
| Net operating income to assets | 2.0662% | 294 |
| Return on assets (ROA) | 2.0662% | 318 |
| Pretax return on assets | 2.0662% | 527 |
| Return on Equity (ROE) | 22.9548% | 174 |
| Retained earnings to average equity (ytd only) | 3.0554% | 4,156 |
| Net charge-offs to loans | 0.1180% | 4,999 |
| Credit loss provision to net charge-offs | 361.8182% | 1,010 |
| Earnings coverage of net charge-offs (x) | 24.6545% | 1,060 |
| Efficiency ratio | 63.5386% | 5,428 |
| Assets per employee ($millions) | 2.0885% | 7,522 |
| Cash dividends to net income (ytd only)* | 86.6897% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9082% | 6,729 |
| Loan loss allowance to noncurrent loans | 479.5455% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.6676% | 5,815 |
| Noncurrent loans to loans | 0.1894% | 6,874 |
| Net loans and leases to total assets | 83.1903% | 416 |
| Net loans and leases to deposits | 92.1163% | 1,514 |
| Net loans and leases to core deposits | 93.2856% | 2,815 |
| Total domestic deposits to total assets | 90.3100% | 760 |
| Equity capital to assets | 9.1615% | 5,198 |
| Core capital (leverage) ratio | 8.7741% | 4,965 |
| Tier 1 risk-based capital ratio | 13.7421% | 3,913 |
| Total risk-based capital ratio | 14.9414% | 3,907 |
| Memoranda: | ||
| Average total assets | $111,992,000 | 4,748 |
| Average earning assets | $103,860,000 | 4,701 |
| Average equity | $10,080,670 | 5,172 |
| Average total loans | $93,226,330 | 4,076 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6433% | 289 |
| Cost of funding earning assets | 1.4419% | 3,926 |
| Net interest margin | 5.2014% | 286 |
| Noninterest income to average assets | 1.6299% | 472 |
| Noninterest expense to average assets | 3.9204% | 1,145 |
| Loan and lease loss provision to assets | 0.2557% | 3,997 |
| Net operating income to assets | 2.2833% | 217 |
| Return on assets (ROA) | 2.2833% | 242 |
| Pretax return on assets | 2.2833% | 357 |
| Return on Equity (ROE) | 25.5908% | 148 |
| Retained earnings to average equity (ytd only) | 9.1936% | 1,347 |
| Net charge-offs to loans | -0.1242% | 7,562 |
| Credit loss provision to net charge-offs | -248.2759% | 6,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6927% | 6,057 |
| Assets per employee ($millions) | 2.3498% | 7,391 |
| Cash dividends to net income (ytd only)* | 64.0747% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8103% | 7,102 |
| Loan loss allowance to noncurrent loans | 1,088.4058% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.5648% | 6,094 |
| Noncurrent loans to loans | 0.0744% | 7,213 |
| Net loans and leases to total assets | 81.5060% | 644 |
| Net loans and leases to deposits | 90.1194% | 1,884 |
| Net loans and leases to core deposits | 92.9674% | 2,982 |
| Total domestic deposits to total assets | 90.4422% | 767 |
| Equity capital to assets | 9.0205% | 5,247 |
| Core capital (leverage) ratio | 8.6763% | 5,056 |
| Tier 1 risk-based capital ratio | 13.2996% | 4,125 |
| Total risk-based capital ratio | 14.3241% | 4,251 |
| Memoranda: | ||
| Average total assets | $112,642,000 | 4,805 |
| Average earning assets | $104,587,000 | 4,744 |
| Average equity | $10,050,500 | 5,224 |
| Average total loans | $93,375,000 | 4,134 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9854% | 289 |
| Cost of funding earning assets | 1.9066% | 3,431 |
| Net interest margin | 5.0788% | 382 |
| Noninterest income to average assets | 1.7744% | 470 |
| Noninterest expense to average assets | 4.3816% | 893 |
| Loan and lease loss provision to assets | 0.1765% | 5,932 |
| Net operating income to assets | 1.9429% | 257 |
| Return on assets (ROA) | 1.9429% | 269 |
| Pretax return on assets | 1.9429% | 459 |
| Return on Equity (ROE) | 23.4341% | 122 |
| Retained earnings to average equity (ytd only) | 10.9481% | 284 |
| Net charge-offs to loans | 0.3694% | 4,369 |
| Credit loss provision to net charge-offs | 55.4622% | 6,686 |
| Earnings coverage of net charge-offs (x) | 6.6583% | 2,320 |
| Efficiency ratio | 67.3982% | 5,112 |
| Assets per employee ($millions) | 2.2958% | 7,474 |
| Cash dividends to net income (ytd only)* | 53.2813% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6888% | 7,395 |
| Loan loss allowance to noncurrent loans | 356.0440% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.6365% | 5,870 |
| Noncurrent loans to loans | 0.1935% | 6,936 |
| Net loans and leases to total assets | 83.0447% | 537 |
| Net loans and leases to deposits | 91.7413% | 1,927 |
| Net loans and leases to core deposits | 95.5157% | 4,510 |
| Total domestic deposits to total assets | 90.5206% | 736 |
| Equity capital to assets | 8.8243% | 5,392 |
| Core capital (leverage) ratio | 8.4924% | 5,288 |
| Tier 1 risk-based capital ratio | 12.7825% | 4,299 |
| Total risk-based capital ratio | 13.6527% | 4,560 |
| Memoranda: | ||
| Average total assets | $112,151,400 | 4,775 |
| Average earning assets | $104,374,800 | 4,717 |
| Average equity | $9,298,400 | 5,510 |
| Average total loans | $96,647,600 | 4,046 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0268% | 290 |
| Cost of funding earning assets | 2.0036% | 3,339 |
| Net interest margin | 5.0232% | 422 |
| Noninterest income to average assets | 1.7858% | 458 |
| Noninterest expense to average assets | 4.3283% | 877 |
| Loan and lease loss provision to assets | 0.1261% | 6,090 |
| Net operating income to assets | 2.0083% | 290 |
| Return on assets (ROA) | 2.0083% | 311 |
| Pretax return on assets | 2.0083% | 531 |
| Return on Equity (ROE) | 24.6204% | 115 |
| Retained earnings to average equity (ytd only) | 7.6866% | 1,235 |
| Net charge-offs to loans | 0.2919% | 4,205 |
| Credit loss provision to net charge-offs | 49.7653% | 6,311 |
| Earnings coverage of net charge-offs (x) | 8.4226% | 2,243 |
| Efficiency ratio | 66.9735% | 5,192 |
| Assets per employee ($millions) | 2.1770% | 7,634 |
| Cash dividends to net income (ytd only)* | 68.7796% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6035% | 7,574 |
| Loan loss allowance to noncurrent loans | 61.1877% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 1.1851% | 4,705 |
| Noncurrent loans to loans | 0.9863% | 5,333 |
| Net loans and leases to total assets | 87.3083% | 249 |
| Net loans and leases to deposits | 96.3229% | 1,531 |
| Net loans and leases to core deposits | 112.2614% | 2,996 |
| Total domestic deposits to total assets | 90.6413% | 539 |
| Equity capital to assets | 8.6807% | 5,985 |
| Core capital (leverage) ratio | 8.3253% | 5,797 |
| Tier 1 risk-based capital ratio | 12.2095% | 4,782 |
| Total risk-based capital ratio | 12.9900% | 5,153 |
| Memoranda: | ||
| Average total assets | $112,065,250 | 4,806 |
| Average earning assets | $104,340,250 | 4,757 |
| Average equity | $9,141,250 | 5,618 |
| Average total loans | $97,292,000 | 4,055 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0009% | 315 |
| Cost of funding earning assets | 2.1289% | 3,135 |
| Net interest margin | 4.8720% | 573 |
| Noninterest income to average assets | 1.8208% | 441 |
| Noninterest expense to average assets | 4.2320% | 1,034 |
| Loan and lease loss provision to assets | 0.1061% | 6,096 |
| Net operating income to assets | 2.0259% | 281 |
| Return on assets (ROA) | 2.0259% | 304 |
| Pretax return on assets | 2.0259% | 527 |
| Return on Equity (ROE) | 25.3577% | 130 |
| Retained earnings to average equity (ytd only) | 5.9965% | 2,024 |
| Net charge-offs to loans | 0.2126% | 4,184 |
| Credit loss provision to net charge-offs | 57.6923% | 5,634 |
| Earnings coverage of net charge-offs (x) | 11.5962% | 1,889 |
| Efficiency ratio | 66.5000% | 5,460 |
| Assets per employee ($millions) | 2.1243% | 7,755 |
| Cash dividends to net income (ytd only)* | 76.3525% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5624% | 7,710 |
| Loan loss allowance to noncurrent loans | 75.6944% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 0.9832% | 5,003 |
| Noncurrent loans to loans | 0.7430% | 5,756 |
| Net loans and leases to total assets | 85.5847% | 428 |
| Net loans and leases to deposits | 94.7157% | 1,992 |
| Net loans and leases to core deposits | 108.7549% | 3,521 |
| Total domestic deposits to total assets | 90.3596% | 681 |
| Equity capital to assets | 8.1553% | 6,552 |
| Core capital (leverage) ratio | 7.8188% | 6,589 |
| Tier 1 risk-based capital ratio | 9.9750% | 6,955 |
| Total risk-based capital ratio | 10.5948% | 7,498 |
| Memoranda: | ||
| Average total assets | $113,136,670 | 4,797 |
| Average earning assets | $105,500,670 | 4,737 |
| Average equity | $9,038,670 | 5,672 |
| Average total loans | $97,851,670 | 4,068 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0166% | 322 |
| Cost of funding earning assets | 2.2657% | 2,860 |
| Net interest margin | 4.7509% | 684 |
| Noninterest income to average assets | 1.7776% | 430 |
| Noninterest expense to average assets | 4.2324% | 905 |
| Loan and lease loss provision to assets | 0.0811% | 5,927 |
| Net operating income to assets | 1.8940% | 439 |
| Return on assets (ROA) | 1.8940% | 488 |
| Pretax return on assets | 1.8940% | 808 |
| Return on Equity (ROE) | 23.9545% | 218 |
| Retained earnings to average equity (ytd only) | 6.1559% | 2,562 |
| Net charge-offs to loans | 0.1261% | 3,957 |
| Credit loss provision to net charge-offs | 74.1935% | 4,280 |
| Earnings coverage of net charge-offs (x) | 18.0645% | 1,476 |
| Efficiency ratio | 68.1818% | 4,930 |
| Assets per employee ($millions) | 2.1119% | 7,798 |
| Cash dividends to net income (ytd only)* | 74.3017% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5678% | 7,723 |
| Loan loss allowance to noncurrent loans | 132.4645% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.7401% | 5,314 |
| Noncurrent loans to loans | 0.4287% | 6,349 |
| Net loans and leases to total assets | 85.8374% | 471 |
| Net loans and leases to deposits | 96.5280% | 1,867 |
| Net loans and leases to core deposits | 110.1969% | 3,406 |
| Total domestic deposits to total assets | 88.9249% | 1,261 |
| Equity capital to assets | 7.9384% | 6,901 |
| Core capital (leverage) ratio | 7.6030% | 7,022 |
| Tier 1 risk-based capital ratio | 11.2792% | 5,618 |
| Total risk-based capital ratio | 12.0091% | 6,041 |
| Memoranda: | ||
| Average total assets | $113,410,500 | 4,814 |
| Average earning assets | $105,749,000 | 4,757 |
| Average equity | $8,967,000 | 5,709 |
| Average total loans | $98,325,500 | 4,081 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9726% | 1,200 |
| Cost of funding earning assets | 2.5910% | 3,722 |
| Net interest margin | 4.3816% | 1,745 |
| Noninterest income to average assets | 1.9087% | 374 |
| Noninterest expense to average assets | 3.9840% | 1,444 |
| Loan and lease loss provision to assets | 0.5015% | 2,805 |
| Net operating income to assets | 1.5036% | 1,012 |
| Return on assets (ROA) | 1.5036% | 976 |
| Pretax return on assets | 1.5036% | 1,677 |
| Return on Equity (ROE) | 19.8743% | 385 |
| Retained earnings to average equity (ytd only) | 7.5927% | 962 |
| Net charge-offs to loans | 0.4414% | 2,620 |
| Credit loss provision to net charge-offs | 134.2169% | 3,966 |
| Earnings coverage of net charge-offs (x) | 5.3663% | 3,667 |
| Efficiency ratio | 66.3410% | 5,052 |
| Assets per employee ($millions) | 2.0506% | 7,864 |
| Cash dividends to net income (ytd only)* | 61.7964% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5682% | 7,732 |
| Loan loss allowance to noncurrent loans | 362.3377% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.5967% | 5,405 |
| Noncurrent loans to loans | 0.1568% | 6,938 |
| Net loans and leases to total assets | 86.5793% | 529 |
| Net loans and leases to deposits | 101.5464% | 1,634 |
| Net loans and leases to core deposits | 115.0118% | 3,235 |
| Total domestic deposits to total assets | 85.2608% | 2,721 |
| Equity capital to assets | 7.8746% | 7,002 |
| Core capital (leverage) ratio | 7.5639% | 7,127 |
| Tier 1 risk-based capital ratio | 11.1271% | 5,618 |
| Total risk-based capital ratio | 11.8574% | 5,993 |
| Memoranda: | ||
| Average total assets | $111,070,400 | 4,748 |
| Average earning assets | $103,433,600 | 4,697 |
| Average equity | $8,402,800 | 5,945 |
| Average total loans | $94,020,000 | 4,107 |