Home > Red River State Bank > Performance and Condition Ratios
Red River State 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 | 5.5862% | 1,048 |
| Cost of funding earning assets | 1.1182% | 3,016 |
| Net interest margin | 4.4679% | 644 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 2.2049% | 3,114 |
| Loan and lease loss provision to assets | 1.1400% | 57 |
| Net operating income to assets | 0.9280% | 2,459 |
| Return on assets (ROA) | 0.9280% | 2,430 |
| Pretax return on assets | 1.0285% | 2,590 |
| Return on Equity (ROE) | 7.2900% | 3,213 |
| Retained earnings to average equity (ytd only) | 1.9212% | 3,596 |
| Net charge-offs to loans | 1.0589% | 94 |
| Credit loss provision to net charge-offs | 119.4281% | 1,680 |
| Earnings coverage of net charge-offs (x) | 2.2700% | 2,702 |
| Efficiency ratio | 50.3951% | 3,956 |
| Assets per employee ($millions) | 6.2136% | 2,625 |
| Cash dividends to net income (ytd only)* | 73.6568% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 660 |
| Loan loss allowance to noncurrent loans | 65.7204% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 2.2394% | 112 |
| Noncurrent loans to loans | 2.5867% | 186 |
| Net loans and leases to total assets | 85.1000% | 202 |
| Net loans and leases to deposits | 97.6114% | 671 |
| Net loans and leases to core deposits | 100.9324% | 1,380 |
| Total domestic deposits to total assets | 87.1900% | 1,616 |
| Equity capital to assets | 12.4042% | 1,007 |
| Core capital (leverage) ratio | 12.1935% | 1,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1760% | 767 |
| Memoranda: | ||
| Average total assets | $124,358,400 | 3,606 |
| Average earning assets | $119,294,200 | 3,554 |
| Average equity | $15,823,600 | 3,201 |
| Average total loans | $112,287,600 | 3,027 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4656% | 1,057 |
| Cost of funding earning assets | 0.9762% | 3,101 |
| Net interest margin | 4.4894% | 627 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 2.0775% | 3,403 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 2.0121% | 493 |
| Return on assets (ROA) | 2.0121% | 483 |
| Pretax return on assets | 2.1214% | 627 |
| Return on Equity (ROE) | 15.7100% | 1,304 |
| Retained earnings to average equity (ytd only) | 15.7142% | 487 |
| Net charge-offs to loans | -0.0129% | 4,008 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 47.1877% | 4,080 |
| Assets per employee ($millions) | 6.8722% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5962% | 891 |
| Loan loss allowance to noncurrent loans | 41.8762% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 3.4729% | 52 |
| Noncurrent loans to loans | 3.8117% | 86 |
| Net loans and leases to total assets | 89.6600% | 42 |
| Net loans and leases to deposits | 104.2947% | 343 |
| Net loans and leases to core deposits | 107.9260% | 941 |
| Total domestic deposits to total assets | 85.9700% | 2,205 |
| Equity capital to assets | 13.6679% | 697 |
| Core capital (leverage) ratio | 13.5792% | 915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3955% | 667 |
| Memoranda: | ||
| Average total assets | $124,380,000 | 3,621 |
| Average earning assets | $119,509,000 | 3,566 |
| Average equity | $15,925,750 | 3,179 |
| Average total loans | $113,462,500 | 3,017 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2357% | 1,166 |
| Cost of funding earning assets | 0.8334% | 3,120 |
| Net interest margin | 4.4022% | 706 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 2.0898% | 3,373 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | 1.8538% | 607 |
| Return on assets (ROA) | 1.8538% | 604 |
| Pretax return on assets | 1.9806% | 768 |
| Return on Equity (ROE) | 14.8100% | 1,508 |
| Retained earnings to average equity (ytd only) | 14.8090% | 581 |
| Net charge-offs to loans | -0.0088% | 3,875 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.2938% | 4,044 |
| Assets per employee ($millions) | 7.2306% | 1,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5289% | 1,093 |
| Loan loss allowance to noncurrent loans | 40.6128% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 3.5315% | 48 |
| Noncurrent loans to loans | 3.7646% | 99 |
| Net loans and leases to total assets | 92.3800% | 14 |
| Net loans and leases to deposits | 106.7451% | 285 |
| Net loans and leases to core deposits | 113.9718% | 684 |
| Total domestic deposits to total assets | 86.5400% | 2,081 |
| Equity capital to assets | 13.1914% | 772 |
| Core capital (leverage) ratio | 13.1052% | 996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4093% | 772 |
| Memoranda: | ||
| Average total assets | $124,607,000 | 3,630 |
| Average earning assets | $119,984,667 | 3,568 |
| Average equity | $15,598,667 | 3,223 |
| Average total loans | $113,714,333 | 3,021 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8603% | 1,487 |
| Cost of funding earning assets | 0.6929% | 3,074 |
| Net interest margin | 4.1674% | 997 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 2.0694% | 3,449 |
| Loan and lease loss provision to assets | 0.4100% | 197 |
| Net operating income to assets | 1.4253% | 1,337 |
| Return on assets (ROA) | 1.4253% | 1,312 |
| Pretax return on assets | 1.6070% | 1,445 |
| Return on Equity (ROE) | 11.6900% | 2,299 |
| Retained earnings to average equity (ytd only) | 11.6935% | 1,324 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.5846% | 3,888 |
| Assets per employee ($millions) | 6.9144% | 2,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5415% | 1,145 |
| Loan loss allowance to noncurrent loans | 14.1581% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 9.8064% | 2 |
| Noncurrent loans to loans | 10.8877% | 10 |
| Net loans and leases to total assets | 88.6800% | 54 |
| Net loans and leases to deposits | 101.5831% | 376 |
| Net loans and leases to core deposits | 106.7717% | 803 |
| Total domestic deposits to total assets | 87.3000% | 2,162 |
| Equity capital to assets | 12.4820% | 880 |
| Core capital (leverage) ratio | 12.6172% | 1,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9912% | 994 |
| Memoranda: | ||
| Average total assets | $125,450,000 | 3,665 |
| Average earning assets | $120,650,000 | 3,600 |
| Average equity | $15,290,500 | 3,282 |
| Average total loans | $112,915,500 | 3,063 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7369% | 480 |
| Cost of funding earning assets | 0.6458% | 729 |
| Net interest margin | 4.0911% | 670 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 1.9665% | 3,672 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.6117% | 672 |
| Return on assets (ROA) | 1.6117% | 645 |
| Pretax return on assets | 1.9475% | 532 |
| Return on Equity (ROE) | 14.8800% | 1,284 |
| Retained earnings to average equity (ytd only) | 14.8810% | 301 |
| Net charge-offs to loans | 0.3507% | 213 |
| Credit loss provision to net charge-offs | 38.0952% | 1,867 |
| Earnings coverage of net charge-offs (x) | 6.4714% | 2,332 |
| Efficiency ratio | 48.7267% | 4,205 |
| Assets per employee ($millions) | 6.3221% | 2,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 1,484 |
| Loan loss allowance to noncurrent loans | 13.0279% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 9.7010% | 2 |
| Noncurrent loans to loans | 10.7850% | 11 |
| Net loans and leases to total assets | 88.6800% | 57 |
| Net loans and leases to deposits | 100.9652% | 402 |
| Net loans and leases to core deposits | 106.0068% | 749 |
| Total domestic deposits to total assets | 87.8400% | 2,125 |
| Equity capital to assets | 11.8996% | 964 |
| Core capital (leverage) ratio | 11.4356% | 1,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9536% | 1,132 |
| Memoranda: | ||
| Average total assets | $131,348,200 | 3,623 |
| Average earning assets | $126,663,800 | 3,561 |
| Average equity | $14,226,200 | 3,439 |
| Average total loans | $119,750,400 | 2,922 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0740% | 193 |
| Cost of funding earning assets | 0.6095% | 412 |
| Net interest margin | 4.4644% | 253 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 1.7610% | 4,051 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 2.1311% | 234 |
| Return on assets (ROA) | 2.1311% | 232 |
| Pretax return on assets | 2.5012% | 214 |
| Return on Equity (ROE) | 20.1500% | 423 |
| Retained earnings to average equity (ytd only) | 20.1499% | 101 |
| Net charge-offs to loans | -0.0011% | 3,188 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 39.9498% | 4,573 |
| Assets per employee ($millions) | 6.9411% | 1,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6499% | 967 |
| Loan loss allowance to noncurrent loans | 389.1262% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.3905% | 1,388 |
| Noncurrent loans to loans | 0.4240% | 1,753 |
| Net loans and leases to total assets | 90.5800% | 19 |
| Net loans and leases to deposits | 102.3695% | 288 |
| Net loans and leases to core deposits | 107.7237% | 542 |
| Total domestic deposits to total assets | 88.4800% | 2,283 |
| Equity capital to assets | 11.3717% | 1,049 |
| Core capital (leverage) ratio | 11.3620% | 1,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3232% | 1,332 |
| Memoranda: | ||
| Average total assets | $132,575,000 | 3,634 |
| Average earning assets | $128,180,000 | 3,571 |
| Average equity | $14,021,250 | 3,504 |
| Average total loans | $121,255,000 | 2,919 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0022% | 170 |
| Cost of funding earning assets | 0.5660% | 353 |
| Net interest margin | 4.4362% | 214 |
| Noninterest income to average assets | 0.0964% | 4,496 |
| Noninterest expense to average assets | 1.7213% | 4,106 |
| Loan and lease loss provision to assets | 0.0452% | 1,766 |
| Net operating income to assets | 2.1836% | 162 |
| Return on assets (ROA) | 2.1836% | 162 |
| Pretax return on assets | 2.6264% | 144 |
| Return on Equity (ROE) | 21.1741% | 233 |
| Retained earnings to average equity (ytd only) | 21.1741% | 59 |
| Net charge-offs to loans | -0.0017% | 3,094 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.1841% | 4,631 |
| Assets per employee ($millions) | 6.9415% | 1,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5379% | 1,308 |
| Loan loss allowance to noncurrent loans | 1,124.4048% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.1274% | 2,817 |
| Noncurrent loans to loans | 0.1368% | 3,023 |
| Net loans and leases to total assets | 91.6968% | 12 |
| Net loans and leases to deposits | 103.0716% | 184 |
| Net loans and leases to core deposits | 110.4084% | 344 |
| Total domestic deposits to total assets | 88.9642% | 2,201 |
| Equity capital to assets | 10.9183% | 1,249 |
| Core capital (leverage) ratio | 10.7572% | 1,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8876% | 871 |
| Memoranda: | ||
| Average total assets | $132,806,667 | 3,670 |
| Average earning assets | $128,624,667 | 3,611 |
| Average equity | $13,696,000 | 3,616 |
| Average total loans | $121,186,333 | 2,934 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8152% | 198 |
| Cost of funding earning assets | 0.5340% | 409 |
| Net interest margin | 4.2812% | 247 |
| Noninterest income to average assets | 0.0810% | 4,573 |
| Noninterest expense to average assets | 1.6118% | 4,277 |
| Loan and lease loss provision to assets | 0.0450% | 1,554 |
| Net operating income to assets | 1.9030% | 269 |
| Return on assets (ROA) | 1.9030% | 269 |
| Pretax return on assets | 2.5633% | 168 |
| Return on Equity (ROE) | 19.0048% | 282 |
| Retained earnings to average equity (ytd only) | 19.0048% | 120 |
| Net charge-offs to loans | 0.0299% | 1,011 |
| Credit loss provision to net charge-offs | 166.6667% | 830 |
| Earnings coverage of net charge-offs (x) | 96.5556% | 684 |
| Efficiency ratio | 38.1935% | 4,678 |
| Assets per employee ($millions) | 6.6674% | 2,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5385% | 1,428 |
| Loan loss allowance to noncurrent loans | 145.1713% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.9629% | 536 |
| Noncurrent loans to loans | 1.0598% | 850 |
| Net loans and leases to total assets | 89.4599% | 16 |
| Net loans and leases to deposits | 99.8117% | 182 |
| Net loans and leases to core deposits | 106.1439% | 349 |
| Total domestic deposits to total assets | 89.6286% | 1,755 |
| Equity capital to assets | 10.2146% | 1,749 |
| Core capital (leverage) ratio | 10.0099% | 2,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6587% | 1,112 |
| Memoranda: | ||
| Average total assets | $133,265,500 | 3,689 |
| Average earning assets | $128,843,000 | 3,622 |
| Average equity | $13,344,000 | 3,724 |
| Average total loans | $120,366,000 | 2,939 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3881% | 151 |
| Cost of funding earning assets | 0.6415% | 444 |
| Net interest margin | 4.7466% | 190 |
| Noninterest income to average assets | 0.1212% | 4,527 |
| Noninterest expense to average assets | 1.9387% | 3,842 |
| Loan and lease loss provision to assets | 0.8213% | 49 |
| Net operating income to assets | 1.9605% | 366 |
| Return on assets (ROA) | 1.9605% | 388 |
| Pretax return on assets | 1.9605% | 653 |
| Return on Equity (ROE) | 23.1154% | 172 |
| Retained earnings to average equity (ytd only) | 16.9311% | 126 |
| Net charge-offs to loans | -0.0216% | 4,011 |
| Credit loss provision to net charge-offs | -4,228.0000% | 4,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0700% | 4,665 |
| Assets per employee ($millions) | 6.6592% | 2,188 |
| Cash dividends to net income (ytd only)* | 26.7539% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 1,380 |
| Loan loss allowance to noncurrent loans | 796.9957% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 2,709 |
| Noncurrent loans to loans | 0.1949% | 2,976 |
| Net loans and leases to total assets | 88.3882% | 26 |
| Net loans and leases to deposits | 98.1417% | 248 |
| Net loans and leases to core deposits | 104.9358% | 393 |
| Total domestic deposits to total assets | 90.0618% | 931 |
| Equity capital to assets | 9.8113% | 2,841 |
| Core capital (leverage) ratio | 9.5253% | 2,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1386% | 872 |
| Memoranda: | ||
| Average total assets | $128,694,600 | 3,694 |
| Average earning assets | $124,700,800 | 3,631 |
| Average equity | $10,914,800 | 4,049 |
| Average total loans | $115,665,000 | 2,989 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4001% | 171 |
| Cost of funding earning assets | 0.6543% | 490 |
| Net interest margin | 4.7459% | 212 |
| Noninterest income to average assets | 0.1620% | 4,388 |
| Noninterest expense to average assets | 1.8018% | 4,165 |
| Loan and lease loss provision to assets | 1.1045% | 29 |
| Net operating income to assets | 1.8572% | 602 |
| Return on assets (ROA) | 1.8572% | 625 |
| Pretax return on assets | 1.8572% | 1,032 |
| Return on Equity (ROE) | 22.8325% | 258 |
| Retained earnings to average equity (ytd only) | 14.1595% | 492 |
| Net charge-offs to loans | -0.0209% | 3,983 |
| Credit loss provision to net charge-offs | -5,866.6667% | 4,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.8236% | 4,771 |
| Assets per employee ($millions) | 8.1416% | 1,211 |
| Cash dividends to net income (ytd only)* | 37.9854% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 1,859 |
| Loan loss allowance to noncurrent loans | 189.3552% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.7059% | 1,052 |
| Noncurrent loans to loans | 0.7592% | 1,486 |
| Net loans and leases to total assets | 91.6471% | 12 |
| Net loans and leases to deposits | 99.5995% | 234 |
| Net loans and leases to core deposits | 112.2273% | 282 |
| Total domestic deposits to total assets | 92.0156% | 122 |
| Equity capital to assets | 7.8276% | 4,597 |
| Core capital (leverage) ratio | 7.5778% | 4,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1234% | 1,924 |
| Memoranda: | ||
| Average total assets | $127,572,500 | 3,746 |
| Average earning assets | $123,697,500 | 3,679 |
| Average equity | $10,376,750 | 4,148 |
| Average total loans | $114,687,500 | 3,043 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0073% | 97 |
| Cost of funding earning assets | 0.6664% | 530 |
| Net interest margin | 5.3409% | 117 |
| Noninterest income to average assets | 0.1738% | 4,339 |
| Noninterest expense to average assets | 1.8314% | 4,116 |
| Loan and lease loss provision to assets | 0.1448% | 832 |
| Net operating income to assets | 3.3828% | 98 |
| Return on assets (ROA) | 3.3828% | 98 |
| Pretax return on assets | 3.3828% | 129 |
| Return on Equity (ROE) | 39.8836% | 44 |
| Retained earnings to average equity (ytd only) | 27.0761% | 57 |
| Net charge-offs to loans | -0.0309% | 4,169 |
| Credit loss provision to net charge-offs | -529.4118% | 3,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.1742% | 4,868 |
| Assets per employee ($millions) | 8.9834% | 866 |
| Cash dividends to net income (ytd only)* | 32.1123% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6730% | 4,574 |
| Loan loss allowance to noncurrent loans | 282.1086% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 2,846 |
| Noncurrent loans to loans | 0.2386% | 3,091 |
| Net loans and leases to total assets | 90.6626% | 15 |
| Net loans and leases to deposits | 98.4445% | 301 |
| Net loans and leases to core deposits | 117.0763% | 254 |
| Total domestic deposits to total assets | 92.0951% | 111 |
| Equity capital to assets | 7.7657% | 4,645 |
| Core capital (leverage) ratio | 8.0523% | 4,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4159% | 1,829 |
| Memoranda: | ||
| Average total assets | $124,277,333 | 3,809 |
| Average earning assets | $120,653,667 | 3,723 |
| Average equity | $10,540,667 | 4,150 |
| Average total loans | $110,018,000 | 3,129 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1031% | 95 |
| Cost of funding earning assets | 0.7265% | 497 |
| Net interest margin | 5.3767% | 117 |
| Noninterest income to average assets | 0.1886% | 4,252 |
| Noninterest expense to average assets | 1.8996% | 3,983 |
| Loan and lease loss provision to assets | 0.1571% | 814 |
| Net operating income to assets | 3.3523% | 118 |
| Return on assets (ROA) | 3.3523% | 130 |
| Pretax return on assets | 3.3523% | 161 |
| Return on Equity (ROE) | 37.5367% | 75 |
| Retained earnings to average equity (ytd only) | 37.5367% | 43 |
| Net charge-offs to loans | -0.0040% | 3,316 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.1194% | 4,858 |
| Assets per employee ($millions) | 6.8735% | 1,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7265% | 4,529 |
| Loan loss allowance to noncurrent loans | 240.3509% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 2,768 |
| Noncurrent loans to loans | 0.3022% | 3,013 |
| Net loans and leases to total assets | 90.7915% | 20 |
| Net loans and leases to deposits | 99.5630% | 297 |
| Net loans and leases to core deposits | 106.9107% | 483 |
| Total domestic deposits to total assets | 91.1900% | 333 |
| Equity capital to assets | 8.6475% | 4,000 |
| Core capital (leverage) ratio | 9.3827% | 3,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2061% | 1,504 |
| Memoranda: | ||
| Average total assets | $114,549,000 | 3,924 |
| Average earning assets | $111,221,500 | 3,855 |
| Average equity | $10,230,000 | 4,191 |
| Average total loans | $99,429,000 | 3,269 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2833% | 275 |
| Cost of funding earning assets | 0.9301% | 767 |
| Net interest margin | 4.3533% | 452 |
| Noninterest income to average assets | 0.2537% | 3,965 |
| Noninterest expense to average assets | 2.6134% | 2,504 |
| Loan and lease loss provision to assets | 0.1834% | 2,117 |
| Net operating income to assets | 1.6536% | 566 |
| Return on assets (ROA) | 1.6536% | 611 |
| Pretax return on assets | 1.6536% | 947 |
| Return on Equity (ROE) | 16.8982% | 421 |
| Retained earnings to average equity (ytd only) | 5.9659% | 1,808 |
| Net charge-offs to loans | 0.0036% | 3,240 |
| Credit loss provision to net charge-offs | 6,000.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 601.0000% | 198 |
| Efficiency ratio | 58.7225% | 3,629 |
| Assets per employee ($millions) | 5.5461% | 2,796 |
| Cash dividends to net income (ytd only)* | 64.6950% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9054% | 4,173 |
| Loan loss allowance to noncurrent loans | 210.2981% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.3502% | 2,586 |
| Noncurrent loans to loans | 0.4305% | 2,687 |
| Net loans and leases to total assets | 80.5979% | 388 |
| Net loans and leases to deposits | 88.9878% | 1,005 |
| Net loans and leases to core deposits | 94.4107% | 1,217 |
| Total domestic deposits to total assets | 90.5718% | 345 |
| Equity capital to assets | 9.2631% | 3,831 |
| Core capital (leverage) ratio | 9.0352% | 3,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4912% | 1,681 |
| Memoranda: | ||
| Average total assets | $98,148,800 | 4,023 |
| Average earning assets | $94,618,400 | 3,964 |
| Average equity | $9,604,600 | 4,234 |
| Average total loans | $82,800,200 | 3,511 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4451% | 259 |
| Cost of funding earning assets | 0.9614% | 872 |
| Net interest margin | 4.4837% | 393 |
| Noninterest income to average assets | 0.2768% | 3,823 |
| Noninterest expense to average assets | 2.4938% | 2,874 |
| Loan and lease loss provision to assets | 0.1868% | 2,117 |
| Net operating income to assets | 1.9140% | 359 |
| Return on assets (ROA) | 1.9140% | 393 |
| Pretax return on assets | 1.9140% | 610 |
| Return on Equity (ROE) | 19.2771% | 278 |
| Retained earnings to average equity (ytd only) | 9.8686% | 793 |
| Net charge-offs to loans | -0.0520% | 4,687 |
| Credit loss provision to net charge-offs | -421.8750% | 3,760 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2771% | 4,121 |
| Assets per employee ($millions) | 5.9415% | 2,315 |
| Cash dividends to net income (ytd only)* | 48.8069% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8594% | 4,199 |
| Loan loss allowance to noncurrent loans | 82.8108% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 0.9158% | 1,248 |
| Noncurrent loans to loans | 1.0378% | 1,443 |
| Net loans and leases to total assets | 87.4877% | 89 |
| Net loans and leases to deposits | 97.2391% | 672 |
| Net loans and leases to core deposits | 103.4815% | 954 |
| Total domestic deposits to total assets | 89.9718% | 435 |
| Equity capital to assets | 9.8055% | 3,425 |
| Core capital (leverage) ratio | 9.5782% | 3,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7312% | 1,579 |
| Memoranda: | ||
| Average total assets | $96,342,250 | 4,040 |
| Average earning assets | $92,777,500 | 3,988 |
| Average equity | $9,565,500 | 4,256 |
| Average total loans | $82,073,750 | 3,539 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6957% | 234 |
| Cost of funding earning assets | 0.9855% | 1,030 |
| Net interest margin | 4.7102% | 330 |
| Noninterest income to average assets | 0.2321% | 4,090 |
| Noninterest expense to average assets | 2.5531% | 2,816 |
| Loan and lease loss provision to assets | 0.1899% | 2,124 |
| Net operating income to assets | 2.0171% | 325 |
| Return on assets (ROA) | 2.0171% | 357 |
| Pretax return on assets | 2.0171% | 529 |
| Return on Equity (ROE) | 20.2271% | 237 |
| Retained earnings to average equity (ytd only) | 8.5902% | 1,136 |
| Net charge-offs to loans | -0.0778% | 4,798 |
| Credit loss provision to net charge-offs | -290.3226% | 3,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6348% | 4,221 |
| Assets per employee ($millions) | 5.8439% | 2,324 |
| Cash dividends to net income (ytd only)* | 57.5314% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8517% | 4,186 |
| Loan loss allowance to noncurrent loans | 76.8410% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 0.9432% | 1,294 |
| Noncurrent loans to loans | 1.1084% | 1,416 |
| Net loans and leases to total assets | 84.3688% | 226 |
| Net loans and leases to deposits | 93.6189% | 996 |
| Net loans and leases to core deposits | 100.6762% | 1,210 |
| Total domestic deposits to total assets | 90.1194% | 373 |
| Equity capital to assets | 9.6702% | 3,508 |
| Core capital (leverage) ratio | 9.4630% | 3,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6217% | 1,952 |
| Memoranda: | ||
| Average total assets | $94,788,000 | 4,059 |
| Average earning assets | $91,121,667 | 4,009 |
| Average equity | $9,452,667 | 4,286 |
| Average total loans | $79,720,667 | 3,577 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3619% | 485 |
| Cost of funding earning assets | 1.0065% | 1,388 |
| Net interest margin | 4.3554% | 689 |
| Noninterest income to average assets | 0.2378% | 4,134 |
| Noninterest expense to average assets | 2.5035% | 3,261 |
| Loan and lease loss provision to assets | 0.1946% | 1,553 |
| Net operating income to assets | 1.7123% | 502 |
| Return on assets (ROA) | 1.7123% | 554 |
| Pretax return on assets | 1.7123% | 841 |
| Return on Equity (ROE) | 16.8951% | 347 |
| Retained earnings to average equity (ytd only) | 16.8951% | 117 |
| Net charge-offs to loans | -0.1552% | 4,901 |
| Credit loss provision to net charge-offs | -150.0000% | 3,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7647% | 4,134 |
| Assets per employee ($millions) | 5.1734% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8624% | 4,237 |
| Loan loss allowance to noncurrent loans | 96.9784% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 0.7463% | 1,813 |
| Noncurrent loans to loans | 0.8893% | 1,837 |
| Net loans and leases to total assets | 83.1993% | 335 |
| Net loans and leases to deposits | 92.9772% | 1,184 |
| Net loans and leases to core deposits | 100.5333% | 1,431 |
| Total domestic deposits to total assets | 89.4836% | 478 |
| Equity capital to assets | 10.2898% | 3,527 |
| Core capital (leverage) ratio | 10.0347% | 3,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5107% | 2,071 |
| Memoranda: | ||
| Average total assets | $92,509,000 | 4,088 |
| Average earning assets | $88,626,000 | 4,045 |
| Average equity | $9,375,500 | 4,316 |
| Average total loans | $77,312,500 | 3,622 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3080% | 809 |
| Cost of funding earning assets | 0.9487% | 1,965 |
| Net interest margin | 4.3593% | 968 |
| Noninterest income to average assets | 0.2630% | 4,104 |
| Noninterest expense to average assets | 2.8206% | 2,537 |
| Loan and lease loss provision to assets | 0.2082% | 965 |
| Net operating income to assets | 1.3731% | 1,437 |
| Return on assets (ROA) | 1.3731% | 1,510 |
| Pretax return on assets | 1.3731% | 2,256 |
| Return on Equity (ROE) | 13.9909% | 896 |
| Retained earnings to average equity (ytd only) | 4.6115% | 2,641 |
| Net charge-offs to loans | 0.2327% | 877 |
| Credit loss provision to net charge-offs | 111.7647% | 2,241 |
| Earnings coverage of net charge-offs (x) | 8.4882% | 2,769 |
| Efficiency ratio | 64.0777% | 3,064 |
| Assets per employee ($millions) | 5.1054% | 2,449 |
| Cash dividends to net income (ytd only)* | 67.0391% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7833% | 4,355 |
| Loan loss allowance to noncurrent loans | 340.3409% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.1915% | 3,692 |
| Noncurrent loans to loans | 0.2301% | 3,621 |
| Net loans and leases to total assets | 82.5664% | 481 |
| Net loans and leases to deposits | 91.9308% | 1,376 |
| Net loans and leases to core deposits | 99.0005% | 1,650 |
| Total domestic deposits to total assets | 89.8136% | 387 |
| Equity capital to assets | 9.9775% | 3,942 |
| Core capital (leverage) ratio | 9.4482% | 4,112 |
| Tier 1 risk-based capital ratio | 13.3356% | 3,615 |
| Total risk-based capital ratio | 14.2502% | 3,668 |
| Memoranda: | ||
| Average total assets | $91,256,400 | 4,128 |
| Average earning assets | $86,642,200 | 4,088 |
| Average equity | $8,955,800 | 4,379 |
| Average total loans | $73,069,000 | 3,717 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2676% | 921 |
| Cost of funding earning assets | 0.9170% | 2,150 |
| Net interest margin | 4.3505% | 1,051 |
| Noninterest income to average assets | 0.2649% | 4,157 |
| Noninterest expense to average assets | 2.7326% | 2,777 |
| Loan and lease loss provision to assets | 0.0995% | 1,933 |
| Net operating income to assets | 1.5573% | 1,042 |
| Return on assets (ROA) | 1.5573% | 1,092 |
| Pretax return on assets | 1.5573% | 1,788 |
| Return on Equity (ROE) | 15.9352% | 615 |
| Retained earnings to average equity (ytd only) | 5.2268% | 2,778 |
| Net charge-offs to loans | -0.0148% | 4,497 |
| Credit loss provision to net charge-offs | -850.0000% | 4,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2541% | 3,284 |
| Assets per employee ($millions) | 4.3949% | 3,345 |
| Cash dividends to net income (ytd only)* | 67.1993% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8471% | 4,246 |
| Loan loss allowance to noncurrent loans | 116.1634% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.6100% | 2,170 |
| Noncurrent loans to loans | 0.7292% | 2,144 |
| Net loans and leases to total assets | 82.9467% | 455 |
| Net loans and leases to deposits | 92.2637% | 1,407 |
| Net loans and leases to core deposits | 99.6408% | 1,686 |
| Total domestic deposits to total assets | 89.9017% | 310 |
| Equity capital to assets | 9.8653% | 4,146 |
| Core capital (leverage) ratio | 9.5238% | 4,143 |
| Tier 1 risk-based capital ratio | 13.6841% | 3,484 |
| Total risk-based capital ratio | 14.7191% | 3,498 |
| Memoranda: | ||
| Average total assets | $91,096,250 | 4,176 |
| Average earning assets | $86,362,750 | 4,143 |
| Average equity | $8,902,500 | 4,434 |
| Average total loans | $72,217,500 | 3,774 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1041% | 1,210 |
| Cost of funding earning assets | 0.8418% | 2,438 |
| Net interest margin | 4.2623% | 1,214 |
| Noninterest income to average assets | 0.2756% | 4,094 |
| Noninterest expense to average assets | 2.7674% | 2,695 |
| Loan and lease loss provision to assets | 0.0992% | 1,883 |
| Net operating income to assets | 1.4510% | 1,294 |
| Return on assets (ROA) | 1.4510% | 1,345 |
| Pretax return on assets | 1.4510% | 2,026 |
| Return on Equity (ROE) | 14.8953% | 781 |
| Retained earnings to average equity (ytd only) | 1.5393% | 4,276 |
| Net charge-offs to loans | -0.0170% | 4,496 |
| Credit loss provision to net charge-offs | -750.0000% | 4,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0960% | 3,118 |
| Assets per employee ($millions) | 4.2540% | 3,495 |
| Cash dividends to net income (ytd only)* | 89.6657% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8503% | 4,266 |
| Loan loss allowance to noncurrent loans | 170.7317% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.4131% | 2,859 |
| Noncurrent loans to loans | 0.4980% | 2,788 |
| Net loans and leases to total assets | 82.2352% | 564 |
| Net loans and leases to deposits | 91.4585% | 1,565 |
| Net loans and leases to core deposits | 98.4337% | 1,854 |
| Total domestic deposits to total assets | 89.9154% | 360 |
| Equity capital to assets | 9.8731% | 4,082 |
| Core capital (leverage) ratio | 9.4614% | 4,190 |
| Tier 1 risk-based capital ratio | 13.2762% | 3,703 |
| Total risk-based capital ratio | 14.2791% | 3,726 |
| Memoranda: | ||
| Average total assets | $90,697,330 | 4,207 |
| Average earning assets | $86,009,670 | 4,176 |
| Average equity | $8,835,000 | 4,463 |
| Average total loans | $70,554,000 | 3,831 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8574% | 1,739 |
| Cost of funding earning assets | 0.8297% | 2,375 |
| Net interest margin | 4.0278% | 1,771 |
| Noninterest income to average assets | 0.2889% | 3,941 |
| Noninterest expense to average assets | 2.4645% | 3,597 |
| Loan and lease loss provision to assets | 0.1007% | 1,748 |
| Net operating income to assets | 1.5277% | 1,058 |
| Return on assets (ROA) | 1.5277% | 1,081 |
| Pretax return on assets | 1.5277% | 1,685 |
| Return on Equity (ROE) | 15.7874% | 619 |
| Retained earnings to average equity (ytd only) | 13.9779% | 353 |
| Net charge-offs to loans | -0.0814% | 4,975 |
| Credit loss provision to net charge-offs | -164.2857% | 3,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2139% | 3,773 |
| Assets per employee ($millions) | 4.4260% | 3,294 |
| Cash dividends to net income (ytd only)* | 11.4613% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9020% | 4,147 |
| Loan loss allowance to noncurrent loans | 146.5394% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.4733% | 2,721 |
| Noncurrent loans to loans | 0.6155% | 2,483 |
| Net loans and leases to total assets | 76.2042% | 1,447 |
| Net loans and leases to deposits | 85.0718% | 2,245 |
| Net loans and leases to core deposits | 92.7090% | 2,239 |
| Total domestic deposits to total assets | 89.5764% | 613 |
| Equity capital to assets | 10.1932% | 3,628 |
| Core capital (leverage) ratio | 9.8433% | 3,773 |
| Tier 1 risk-based capital ratio | 14.1820% | 3,254 |
| Total risk-based capital ratio | 15.1996% | 3,281 |
| Memoranda: | ||
| Average total assets | $91,379,000 | 4,240 |
| Average earning assets | $86,301,000 | 4,215 |
| Average equity | $8,842,500 | 4,492 |
| Average total loans | $68,784,000 | 3,897 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9435% | 1,174 |
| Cost of funding earning assets | 0.6103% | 2,644 |
| Net interest margin | 4.3331% | 1,085 |
| Noninterest income to average assets | 0.3419% | 3,826 |
| Noninterest expense to average assets | 2.8141% | 2,641 |
| Loan and lease loss provision to assets | 0.0717% | 2,701 |
| Net operating income to assets | 1.5469% | 998 |
| Return on assets (ROA) | 1.5469% | 994 |
| Pretax return on assets | 1.5469% | 1,634 |
| Return on Equity (ROE) | 15.1750% | 787 |
| Retained earnings to average equity (ytd only) | 3.4361% | 3,700 |
| Net charge-offs to loans | 0.0428% | 2,558 |
| Credit loss provision to net charge-offs | 222.2222% | 1,315 |
| Earnings coverage of net charge-offs (x) | 50.1481% | 1,134 |
| Efficiency ratio | 63.4844% | 3,268 |
| Assets per employee ($millions) | 5.2354% | 2,219 |
| Cash dividends to net income (ytd only)* | 77.3570% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8317% | 4,431 |
| Loan loss allowance to noncurrent loans | 412.8571% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 4,090 |
| Noncurrent loans to loans | 0.2014% | 3,863 |
| Net loans and leases to total assets | 73.1340% | 2,072 |
| Net loans and leases to deposits | 80.6903% | 2,883 |
| Net loans and leases to core deposits | 87.4531% | 2,792 |
| Total domestic deposits to total assets | 90.6354% | 286 |
| Equity capital to assets | 9.1916% | 4,411 |
| Core capital (leverage) ratio | 9.6814% | 3,914 |
| Tier 1 risk-based capital ratio | 13.3340% | 3,642 |
| Total risk-based capital ratio | 14.2711% | 3,722 |
| Memoranda: | ||
| Average total assets | $83,649,800 | 4,363 |
| Average earning assets | $78,972,600 | 4,330 |
| Average equity | $8,527,200 | 4,524 |
| Average total loans | $63,121,600 | 4,020 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9571% | 1,027 |
| Cost of funding earning assets | 0.5539% | 2,838 |
| Net interest margin | 4.4032% | 892 |
| Noninterest income to average assets | 0.3588% | 3,734 |
| Noninterest expense to average assets | 2.6797% | 3,034 |
| Loan and lease loss provision to assets | 0.0741% | 2,474 |
| Net operating income to assets | 1.7661% | 642 |
| Return on assets (ROA) | 1.7661% | 643 |
| Pretax return on assets | 1.7661% | 1,097 |
| Return on Equity (ROE) | 16.8438% | 562 |
| Retained earnings to average equity (ytd only) | 4.2699% | 3,634 |
| Net charge-offs to loans | 0.0412% | 2,259 |
| Credit loss provision to net charge-offs | 236.8421% | 1,226 |
| Earnings coverage of net charge-offs (x) | 58.8484% | 1,070 |
| Efficiency ratio | 59.2862% | 3,921 |
| Assets per employee ($millions) | 5.1004% | 2,336 |
| Cash dividends to net income (ytd only)* | 74.6503% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8444% | 4,481 |
| Loan loss allowance to noncurrent loans | 272.7273% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.2561% | 3,668 |
| Noncurrent loans to loans | 0.3096% | 3,561 |
| Net loans and leases to total assets | 82.0160% | 715 |
| Net loans and leases to deposits | 91.9128% | 1,636 |
| Net loans and leases to core deposits | 100.3238% | 1,760 |
| Total domestic deposits to total assets | 89.2324% | 760 |
| Equity capital to assets | 10.5311% | 3,115 |
| Core capital (leverage) ratio | 10.2672% | 3,335 |
| Tier 1 risk-based capital ratio | 14.5739% | 3,080 |
| Total risk-based capital ratio | 15.5897% | 3,109 |
| Memoranda: | ||
| Average total assets | $81,002,750 | 4,458 |
| Average earning assets | $76,548,000 | 4,419 |
| Average equity | $8,493,500 | 4,573 |
| Average total loans | $61,527,500 | 4,094 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8509% | 1,123 |
| Cost of funding earning assets | 0.5145% | 2,901 |
| Net interest margin | 4.3364% | 964 |
| Noninterest income to average assets | 0.3589% | 3,753 |
| Noninterest expense to average assets | 2.6856% | 3,062 |
| Loan and lease loss provision to assets | 0.0743% | 2,404 |
| Net operating income to assets | 1.6881% | 742 |
| Return on assets (ROA) | 1.6881% | 749 |
| Pretax return on assets | 1.6881% | 1,248 |
| Return on Equity (ROE) | 16.1229% | 646 |
| Retained earnings to average equity (ytd only) | 0.1418% | 4,932 |
| Net charge-offs to loans | -0.0134% | 4,418 |
| Credit loss provision to net charge-offs | -750.0000% | 4,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3784% | 3,886 |
| Assets per employee ($millions) | 4.3583% | 3,345 |
| Cash dividends to net income (ytd only)* | 99.1202% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9295% | 4,208 |
| Loan loss allowance to noncurrent loans | 147.2081% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.5022% | 2,746 |
| Noncurrent loans to loans | 0.6314% | 2,531 |
| Net loans and leases to total assets | 78.8028% | 1,192 |
| Net loans and leases to deposits | 88.3989% | 2,060 |
| Net loans and leases to core deposits | 96.4025% | 2,022 |
| Total domestic deposits to total assets | 89.1445% | 873 |
| Equity capital to assets | 10.6477% | 2,969 |
| Core capital (leverage) ratio | 10.1619% | 3,405 |
| Tier 1 risk-based capital ratio | 15.6839% | 2,556 |
| Total risk-based capital ratio | 16.8350% | 2,541 |
| Memoranda: | ||
| Average total assets | $80,801,670 | 4,505 |
| Average earning assets | $76,192,670 | 4,467 |
| Average equity | $8,460,000 | 4,622 |
| Average total loans | $59,536,670 | 4,171 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6329% | 1,483 |
| Cost of funding earning assets | 0.4768% | 2,991 |
| Net interest margin | 4.1561% | 1,281 |
| Noninterest income to average assets | 0.3367% | 3,908 |
| Noninterest expense to average assets | 2.6739% | 3,123 |
| Loan and lease loss provision to assets | 0.0732% | 2,299 |
| Net operating income to assets | 1.5028% | 1,072 |
| Return on assets (ROA) | 1.5028% | 1,073 |
| Pretax return on assets | 1.5028% | 1,675 |
| Return on Equity (ROE) | 14.4711% | 909 |
| Retained earnings to average equity (ytd only) | 13.2495% | 489 |
| Net charge-offs to loans | -0.0138% | 4,380 |
| Credit loss provision to net charge-offs | -750.0000% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9162% | 3,648 |
| Assets per employee ($millions) | 4.7988% | 2,738 |
| Cash dividends to net income (ytd only)* | 8.4416% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9726% | 4,107 |
| Loan loss allowance to noncurrent loans | 54.7225% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 1.3376% | 1,106 |
| Noncurrent loans to loans | 1.7773% | 954 |
| Net loans and leases to total assets | 74.5259% | 1,782 |
| Net loans and leases to deposits | 84.1560% | 2,375 |
| Net loans and leases to core deposits | 91.7886% | 2,318 |
| Total domestic deposits to total assets | 88.5569% | 1,329 |
| Equity capital to assets | 11.2360% | 2,361 |
| Core capital (leverage) ratio | 10.3383% | 3,135 |
| Tier 1 risk-based capital ratio | 16.4421% | 2,295 |
| Total risk-based capital ratio | 17.5774% | 2,294 |
| Memoranda: | ||
| Average total assets | $81,978,000 | 4,534 |
| Average earning assets | $77,187,000 | 4,507 |
| Average equity | $8,513,500 | 4,661 |
| Average total loans | $58,105,000 | 4,246 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5407% | 1,585 |
| Cost of funding earning assets | 0.4259% | 2,994 |
| Net interest margin | 4.1148% | 1,388 |
| Noninterest income to average assets | 0.4148% | 3,535 |
| Noninterest expense to average assets | 3.1344% | 1,764 |
| Loan and lease loss provision to assets | 0.0375% | 3,519 |
| Net operating income to assets | 1.1293% | 1,758 |
| Return on assets (ROA) | 1.1293% | 1,787 |
| Pretax return on assets | 1.1293% | 3,064 |
| Return on Equity (ROE) | 10.7307% | 1,572 |
| Retained earnings to average equity (ytd only) | 1.3888% | 4,451 |
| Net charge-offs to loans | 0.0255% | 3,294 |
| Credit loss provision to net charge-offs | 214.2857% | 1,268 |
| Earnings coverage of net charge-offs (x) | 66.7143% | 883 |
| Efficiency ratio | 72.8725% | 2,085 |
| Assets per employee ($millions) | 4.5882% | 3,047 |
| Cash dividends to net income (ytd only)* | 87.0575% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9328% | 4,304 |
| Loan loss allowance to noncurrent loans | 254.6729% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.2455% | 3,914 |
| Noncurrent loans to loans | 0.3663% | 3,450 |
| Net loans and leases to total assets | 66.3967% | 3,047 |
| Net loans and leases to deposits | 73.5822% | 3,550 |
| Net loans and leases to core deposits | 78.5267% | 3,543 |
| Total domestic deposits to total assets | 90.2347% | 486 |
| Equity capital to assets | 9.6357% | 4,104 |
| Core capital (leverage) ratio | 9.7007% | 3,815 |
| Tier 1 risk-based capital ratio | 14.8179% | 2,915 |
| Total risk-based capital ratio | 15.8419% | 2,971 |
| Memoranda: | ||
| Average total assets | $80,047,000 | 4,593 |
| Average earning assets | $75,605,200 | 4,548 |
| Average equity | $8,424,400 | 4,715 |
| Average total loans | $54,804,400 | 4,337 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5565% | 1,480 |
| Cost of funding earning assets | 0.4180% | 3,003 |
| Net interest margin | 4.1386% | 1,297 |
| Noninterest income to average assets | 0.4412% | 3,392 |
| Noninterest expense to average assets | 2.8586% | 2,538 |
| Loan and lease loss provision to assets | 0.0256% | 3,624 |
| Net operating income to assets | 1.4872% | 922 |
| Return on assets (ROA) | 1.4872% | 939 |
| Pretax return on assets | 1.4872% | 1,815 |
| Return on Equity (ROE) | 13.8067% | 873 |
| Retained earnings to average equity (ytd only) | 1.3601% | 4,862 |
| Net charge-offs to loans | 0.0124% | 3,298 |
| Credit loss provision to net charge-offs | 300.0000% | 979 |
| Earnings coverage of net charge-offs (x) | 177.5067% | 481 |
| Efficiency ratio | 65.3936% | 3,316 |
| Assets per employee ($millions) | 4.3027% | 3,464 |
| Cash dividends to net income (ytd only)* | 90.1492% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9436% | 4,351 |
| Loan loss allowance to noncurrent loans | 157.1429% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.4429% | 3,263 |
| Noncurrent loans to loans | 0.6005% | 2,906 |
| Net loans and leases to total assets | 73.0584% | 2,086 |
| Net loans and leases to deposits | 82.2141% | 2,757 |
| Net loans and leases to core deposits | 88.0299% | 2,767 |
| Total domestic deposits to total assets | 88.8636% | 942 |
| Equity capital to assets | 10.9466% | 2,915 |
| Core capital (leverage) ratio | 10.4681% | 3,024 |
| Tier 1 risk-based capital ratio | 15.3860% | 2,753 |
| Total risk-based capital ratio | 16.4374% | 2,775 |
| Memoranda: | ||
| Average total assets | $78,264,750 | 4,667 |
| Average earning assets | $74,323,500 | 4,625 |
| Average equity | $8,430,500 | 4,761 |
| Average total loans | $53,898,750 | 4,403 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4604% | 1,623 |
| Cost of funding earning assets | 0.4145% | 2,937 |
| Net interest margin | 4.0459% | 1,472 |
| Noninterest income to average assets | 0.4737% | 3,190 |
| Noninterest expense to average assets | 2.6306% | 3,339 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6706% | 596 |
| Return on assets (ROA) | 1.6706% | 618 |
| Pretax return on assets | 1.6706% | 1,126 |
| Return on Equity (ROE) | 15.5918% | 584 |
| Retained earnings to average equity (ytd only) | -0.7368% | 5,194 |
| Net charge-offs to loans | 0.0227% | 2,771 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 109.3333% | 613 |
| Efficiency ratio | 61.1604% | 4,141 |
| Assets per employee ($millions) | 4.4172% | 3,242 |
| Cash dividends to net income (ytd only)* | 104.7256% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9395% | 4,473 |
| Loan loss allowance to noncurrent loans | 528.2828% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.1318% | 4,658 |
| Noncurrent loans to loans | 0.1778% | 4,409 |
| Net loans and leases to total assets | 73.4392% | 1,969 |
| Net loans and leases to deposits | 82.8108% | 2,616 |
| Net loans and leases to core deposits | 88.8064% | 2,636 |
| Total domestic deposits to total assets | 88.6832% | 1,109 |
| Equity capital to assets | 11.1463% | 2,657 |
| Core capital (leverage) ratio | 10.1949% | 3,285 |
| Tier 1 risk-based capital ratio | 15.4900% | 2,709 |
| Total risk-based capital ratio | 16.5465% | 2,735 |
| Memoranda: | ||
| Average total assets | $78,536,670 | 4,692 |
| Average earning assets | $74,297,670 | 4,649 |
| Average equity | $8,414,670 | 4,781 |
| Average total loans | $52,824,330 | 4,450 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3070% | 1,938 |
| Cost of funding earning assets | 0.4021% | 2,976 |
| Net interest margin | 3.9049% | 1,761 |
| Noninterest income to average assets | 0.4585% | 3,269 |
| Noninterest expense to average assets | 2.4321% | 4,024 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7045% | 543 |
| Return on assets (ROA) | 1.7045% | 555 |
| Pretax return on assets | 1.7045% | 996 |
| Return on Equity (ROE) | 16.2143% | 502 |
| Retained earnings to average equity (ytd only) | 9.6243% | 898 |
| Net charge-offs to loans | -0.0545% | 5,222 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7952% | 4,616 |
| Assets per employee ($millions) | 4.5858% | 3,029 |
| Cash dividends to net income (ytd only)* | 40.6433% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0462% | 3,996 |
| Loan loss allowance to noncurrent loans | 326.2195% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.2104% | 4,387 |
| Noncurrent loans to loans | 0.3207% | 3,972 |
| Net loans and leases to total assets | 64.9085% | 3,130 |
| Net loans and leases to deposits | 73.0367% | 3,506 |
| Net loans and leases to core deposits | 78.0221% | 3,469 |
| Total domestic deposits to total assets | 88.8711% | 1,213 |
| Equity capital to assets | 10.9750% | 2,651 |
| Core capital (leverage) ratio | 10.1532% | 3,306 |
| Tier 1 risk-based capital ratio | 17.0828% | 2,160 |
| Total risk-based capital ratio | 18.2304% | 2,141 |
| Memoranda: | ||
| Average total assets | $80,259,000 | 4,705 |
| Average earning assets | $75,597,000 | 4,664 |
| Average equity | $8,437,000 | 4,819 |
| Average total loans | $51,401,500 | 4,519 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5335% | 1,441 |
| Cost of funding earning assets | 0.3780% | 3,226 |
| Net interest margin | 4.1555% | 1,226 |
| Noninterest income to average assets | 0.3984% | 3,898 |
| Noninterest expense to average assets | 2.7179% | 3,288 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.6577% | 599 |
| Return on assets (ROA) | 1.6577% | 625 |
| Pretax return on assets | 1.6577% | 1,111 |
| Return on Equity (ROE) | 15.5452% | 555 |
| Retained earnings to average equity (ytd only) | 6.2535% | 1,578 |
| Net charge-offs to loans | 0.0478% | 3,086 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 52.6000% | 978 |
| Efficiency ratio | 62.1147% | 4,224 |
| Assets per employee ($millions) | 5.1599% | 2,226 |
| Cash dividends to net income (ytd only)* | 59.7719% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0239% | 4,175 |
| Loan loss allowance to noncurrent loans | 348.0263% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.1841% | 4,585 |
| Noncurrent loans to loans | 0.2942% | 4,093 |
| Net loans and leases to total assets | 61.9399% | 3,617 |
| Net loans and leases to deposits | 68.9559% | 4,013 |
| Net loans and leases to core deposits | 72.5512% | 4,048 |
| Total domestic deposits to total assets | 89.8255% | 712 |
| Equity capital to assets | 10.0752% | 3,640 |
| Core capital (leverage) ratio | 9.7613% | 3,794 |
| Tier 1 risk-based capital ratio | 16.3267% | 2,417 |
| Total risk-based capital ratio | 17.4292% | 2,422 |
| Memoranda: | ||
| Average total assets | $79,325,400 | 4,744 |
| Average earning assets | $75,924,200 | 4,677 |
| Average equity | $8,459,200 | 4,851 |
| Average total loans | $52,248,800 | 4,514 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5829% | 1,326 |
| Cost of funding earning assets | 0.3853% | 3,173 |
| Net interest margin | 4.1976% | 1,124 |
| Noninterest income to average assets | 0.4177% | 3,796 |
| Noninterest expense to average assets | 2.5302% | 3,895 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.9206% | 388 |
| Return on assets (ROA) | 1.9206% | 410 |
| Pretax return on assets | 1.9206% | 675 |
| Return on Equity (ROE) | 17.7522% | 376 |
| Retained earnings to average equity (ytd only) | 17.7522% | 79 |
| Net charge-offs to loans | 0.0712% | 2,295 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 40.3954% | 1,235 |
| Efficiency ratio | 56.8485% | 4,975 |
| Assets per employee ($millions) | 4.4226% | 3,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 4,445 |
| Loan loss allowance to noncurrent loans | 74.9288% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 0.9337% | 2,234 |
| Noncurrent loans to loans | 1.3281% | 1,666 |
| Net loans and leases to total assets | 69.6039% | 2,552 |
| Net loans and leases to deposits | 79.3387% | 3,042 |
| Net loans and leases to core deposits | 84.0254% | 3,117 |
| Total domestic deposits to total assets | 87.7301% | 1,539 |
| Equity capital to assets | 12.0837% | 2,053 |
| Core capital (leverage) ratio | 11.1042% | 2,352 |
| Tier 1 risk-based capital ratio | 18.5991% | 1,768 |
| Total risk-based capital ratio | 19.7650% | 1,750 |
| Memoranda: | ||
| Average total assets | $78,517,000 | 4,793 |
| Average earning assets | $75,437,750 | 4,729 |
| Average equity | $8,494,500 | 4,888 |
| Average total loans | $52,394,500 | 4,541 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5496% | 1,388 |
| Cost of funding earning assets | 0.4098% | 2,941 |
| Net interest margin | 4.1398% | 1,259 |
| Noninterest income to average assets | 0.4044% | 3,847 |
| Noninterest expense to average assets | 2.5192% | 3,985 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.8687% | 422 |
| Return on assets (ROA) | 1.8687% | 442 |
| Pretax return on assets | 1.8687% | 747 |
| Return on Equity (ROE) | 17.9327% | 359 |
| Retained earnings to average equity (ytd only) | 17.9327% | 82 |
| Net charge-offs to loans | 0.0383% | 2,687 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 74.4000% | 742 |
| Efficiency ratio | 57.4127% | 4,978 |
| Assets per employee ($millions) | 4.2313% | 3,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 4,402 |
| Loan loss allowance to noncurrent loans | 98.3725% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 0.7261% | 2,803 |
| Noncurrent loans to loans | 1.0377% | 2,206 |
| Net loans and leases to total assets | 69.2519% | 2,595 |
| Net loans and leases to deposits | 78.3974% | 3,111 |
| Net loans and leases to core deposits | 84.2262% | 3,063 |
| Total domestic deposits to total assets | 88.3344% | 1,257 |
| Equity capital to assets | 11.4910% | 2,560 |
| Core capital (leverage) ratio | 10.5866% | 2,865 |
| Tier 1 risk-based capital ratio | 17.6845% | 2,018 |
| Total risk-based capital ratio | 18.8664% | 2,004 |
| Memoranda: | ||
| Average total assets | $79,628,000 | 4,827 |
| Average earning assets | $76,622,670 | 4,740 |
| Average equity | $8,297,670 | 4,972 |
| Average total loans | $52,240,330 | 4,582 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7551% | 935 |
| Cost of funding earning assets | 0.4022% | 3,041 |
| Net interest margin | 4.3529% | 827 |
| Noninterest income to average assets | 0.3736% | 4,048 |
| Noninterest expense to average assets | 2.9597% | 2,517 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6175% | 677 |
| Return on assets (ROA) | 2.0010% | 348 |
| Pretax return on assets | 2.0010% | 568 |
| Return on Equity (ROE) | 20.1722% | 235 |
| Retained earnings to average equity (ytd only) | 20.1722% | 90 |
| Net charge-offs to loans | -0.0387% | 5,192 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6617% | 4,022 |
| Assets per employee ($millions) | 4.8943% | 2,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0797% | 4,171 |
| Loan loss allowance to noncurrent loans | 144.0722% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.4955% | 3,621 |
| Noncurrent loans to loans | 0.7494% | 2,962 |
| Net loans and leases to total assets | 65.4037% | 3,046 |
| Net loans and leases to deposits | 73.3180% | 3,519 |
| Net loans and leases to core deposits | 79.3201% | 3,381 |
| Total domestic deposits to total assets | 89.2056% | 997 |
| Equity capital to assets | 10.6284% | 3,336 |
| Core capital (leverage) ratio | 9.7735% | 3,810 |
| Tier 1 risk-based capital ratio | 18.4979% | 1,854 |
| Total risk-based capital ratio | 19.7469% | 1,811 |
| Memoranda: | ||
| Average total assets | $81,360,000 | 4,831 |
| Average earning assets | $78,569,000 | 4,736 |
| Average equity | $8,070,500 | 5,049 |
| Average total loans | $51,716,000 | 4,622 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4939% | 1,618 |
| Cost of funding earning assets | 0.5608% | 1,670 |
| Net interest margin | 3.9331% | 1,923 |
| Noninterest income to average assets | 0.1947% | 5,420 |
| Noninterest expense to average assets | 2.7707% | 3,348 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2152% | 1,498 |
| Return on assets (ROA) | 1.1774% | 1,711 |
| Pretax return on assets | 1.1774% | 2,741 |
| Return on Equity (ROE) | 10.0435% | 1,993 |
| Retained earnings to average equity (ytd only) | 1.7411% | 4,734 |
| Net charge-offs to loans | 0.0198% | 3,873 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 80.3750% | 700 |
| Efficiency ratio | 69.5116% | 3,301 |
| Assets per employee ($millions) | 4.9654% | 2,405 |
| Cash dividends to net income (ytd only)* | 82.6645% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 4,197 |
| Loan loss allowance to noncurrent loans | 123.1111% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.5331% | 3,510 |
| Noncurrent loans to loans | 0.8711% | 2,608 |
| Net loans and leases to total assets | 60.5395% | 3,757 |
| Net loans and leases to deposits | 66.8411% | 4,236 |
| Net loans and leases to core deposits | 72.1596% | 4,116 |
| Total domestic deposits to total assets | 90.5723% | 417 |
| Equity capital to assets | 9.2618% | 4,831 |
| Core capital (leverage) ratio | 12.8314% | 1,218 |
| Tier 1 risk-based capital ratio | 16.5625% | 2,448 |
| Total risk-based capital ratio | 17.8170% | 2,402 |
| Memoranda: | ||
| Average total assets | $52,911,000 | 5,484 |
| Average earning assets | $51,002,600 | 5,410 |
| Average equity | $6,203,000 | 5,398 |
| Average total loans | $40,499,000 | 4,989 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1585% | 466 |
| Cost of funding earning assets | 0.6804% | 932 |
| Net interest margin | 4.4780% | 684 |
| Noninterest income to average assets | 0.2250% | 5,307 |
| Noninterest expense to average assets | 2.8155% | 3,121 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7349% | 585 |
| Return on assets (ROA) | 1.7349% | 609 |
| Pretax return on assets | 1.7349% | 1,020 |
| Return on Equity (ROE) | 13.4726% | 1,015 |
| Retained earnings to average equity (ytd only) | 1.6093% | 5,063 |
| Net charge-offs to loans | 0.0283% | 3,377 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 73.2249% | 791 |
| Efficiency ratio | 61.8738% | 4,593 |
| Assets per employee ($millions) | 3.5033% | 4,784 |
| Cash dividends to net income (ytd only)* | 88.0547% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 2,296 |
| Loan loss allowance to noncurrent loans | 146.1741% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.9015% | 2,619 |
| Noncurrent loans to loans | 1.0035% | 2,474 |
| Net loans and leases to total assets | 88.5205% | 112 |
| Net loans and leases to deposits | 102.8636% | 505 |
| Net loans and leases to core deposits | 120.2624% | 462 |
| Total domestic deposits to total assets | 86.0561% | 2,498 |
| Equity capital to assets | 13.7512% | 1,124 |
| Core capital (leverage) ratio | 13.4658% | 1,028 |
| Tier 1 risk-based capital ratio | 21.6185% | 1,246 |
| Total risk-based capital ratio | 22.8787% | 1,223 |
| Memoranda: | ||
| Average total assets | $45,036,000 | 5,729 |
| Average earning assets | $43,500,250 | 5,669 |
| Average equity | $5,799,250 | 5,551 |
| Average total loans | $37,709,750 | 5,151 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0510% | 554 |
| Cost of funding earning assets | 0.6927% | 873 |
| Net interest margin | 4.3583% | 820 |
| Noninterest income to average assets | 0.2346% | 5,279 |
| Noninterest expense to average assets | 2.4547% | 4,384 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.9898% | 367 |
| Return on assets (ROA) | 1.9898% | 383 |
| Pretax return on assets | 1.9898% | 607 |
| Return on Equity (ROE) | 15.7786% | 635 |
| Retained earnings to average equity (ytd only) | 1.4814% | 4,960 |
| Net charge-offs to loans | 0.0425% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 57.2500% | 867 |
| Efficiency ratio | 55.2297% | 5,494 |
| Assets per employee ($millions) | 4.0123% | 3,858 |
| Cash dividends to net income (ytd only)* | 90.6114% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4517% | 2,504 |
| Loan loss allowance to noncurrent loans | 140.2532% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.8950% | 2,748 |
| Noncurrent loans to loans | 1.0351% | 2,577 |
| Net loans and leases to total assets | 85.2113% | 285 |
| Net loans and leases to deposits | 98.2189% | 775 |
| Net loans and leases to core deposits | 122.0484% | 416 |
| Total domestic deposits to total assets | 86.7565% | 2,291 |
| Equity capital to assets | 13.0373% | 1,384 |
| Core capital (leverage) ratio | 12.4317% | 1,413 |
| Tier 1 risk-based capital ratio | 20.5603% | 1,440 |
| Total risk-based capital ratio | 21.8216% | 1,413 |
| Memoranda: | ||
| Average total assets | $46,034,670 | 5,765 |
| Average earning assets | $44,466,670 | 5,701 |
| Average equity | $5,805,330 | 5,602 |
| Average total loans | $37,690,330 | 5,195 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9707% | 597 |
| Cost of funding earning assets | 0.6874% | 912 |
| Net interest margin | 4.2833% | 910 |
| Noninterest income to average assets | 0.1873% | 5,587 |
| Noninterest expense to average assets | 2.2646% | 4,960 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.0603% | 305 |
| Return on assets (ROA) | 2.0603% | 322 |
| Pretax return on assets | 2.0603% | 531 |
| Return on Equity (ROE) | 16.6009% | 507 |
| Retained earnings to average equity (ytd only) | 16.6009% | 196 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3622% | 5,788 |
| Assets per employee ($millions) | 4.3881% | 3,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5183% | 2,376 |
| Loan loss allowance to noncurrent loans | 112.8514% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 1.0317% | 2,558 |
| Noncurrent loans to loans | 1.3454% | 2,138 |
| Net loans and leases to total assets | 75.5205% | 1,279 |
| Net loans and leases to deposits | 86.3365% | 1,789 |
| Net loans and leases to core deposits | 103.5714% | 1,093 |
| Total domestic deposits to total assets | 87.4723% | 2,123 |
| Equity capital to assets | 12.3309% | 1,803 |
| Core capital (leverage) ratio | 13.3627% | 1,028 |
| Tier 1 risk-based capital ratio | 24.9560% | 890 |
| Total risk-based capital ratio | 26.2180% | 871 |
| Memoranda: | ||
| Average total assets | $46,984,500 | 5,792 |
| Average earning assets | $45,386,000 | 5,731 |
| Average equity | $5,831,000 | 5,644 |
| Average total loans | $37,454,500 | 5,231 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3911% | 386 |
| Cost of funding earning assets | 0.8435% | 533 |
| Net interest margin | 4.5476% | 683 |
| Noninterest income to average assets | 0.2266% | 5,502 |
| Noninterest expense to average assets | 2.7331% | 3,737 |
| Loan and lease loss provision to assets | 0.0068% | 4,492 |
| Net operating income to assets | 1.8855% | 402 |
| Return on assets (ROA) | 1.8855% | 419 |
| Pretax return on assets | 1.8855% | 666 |
| Return on Equity (ROE) | 14.6846% | 830 |
| Retained earnings to average equity (ytd only) | 2.4180% | 4,510 |
| Net charge-offs to loans | -0.5030% | 6,393 |
| Credit loss provision to net charge-offs | -1.5789% | 5,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0887% | 5,334 |
| Assets per employee ($millions) | 4.1545% | 3,625 |
| Cash dividends to net income (ytd only)* | 83.5337% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4831% | 2,552 |
| Loan loss allowance to noncurrent loans | 68.6203% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 1.7921% | 1,462 |
| Noncurrent loans to loans | 2.1613% | 1,247 |
| Net loans and leases to total assets | 81.6893% | 558 |
| Net loans and leases to deposits | 93.6907% | 1,108 |
| Net loans and leases to core deposits | 116.2158% | 519 |
| Total domestic deposits to total assets | 87.1904% | 2,172 |
| Equity capital to assets | 12.4945% | 1,657 |
| Core capital (leverage) ratio | 13.1552% | 1,084 |
| Tier 1 risk-based capital ratio | 18.7705% | 1,917 |
| Total risk-based capital ratio | 20.0296% | 1,877 |
| Memoranda: | ||
| Average total assets | $44,125,200 | 5,925 |
| Average earning assets | $42,681,800 | 5,860 |
| Average equity | $5,665,800 | 5,698 |
| Average total loans | $37,776,400 | 5,265 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4037% | 377 |
| Cost of funding earning assets | 0.8943% | 426 |
| Net interest margin | 4.5094% | 724 |
| Noninterest income to average assets | 0.2226% | 5,597 |
| Noninterest expense to average assets | 2.4025% | 4,814 |
| Loan and lease loss provision to assets | 0.0091% | 4,243 |
| Net operating income to assets | 2.1769% | 251 |
| Return on assets (ROA) | 2.1769% | 255 |
| Pretax return on assets | 2.1769% | 385 |
| Return on Equity (ROE) | 16.8351% | 571 |
| Retained earnings to average equity (ytd only) | 2.2871% | 4,916 |
| Net charge-offs to loans | -0.6711% | 6,485 |
| Credit loss provision to net charge-offs | -1.5789% | 5,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3588% | 5,966 |
| Assets per employee ($millions) | 3.4469% | 4,959 |
| Cash dividends to net income (ytd only)* | 86.4146% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4689% | 2,860 |
| Loan loss allowance to noncurrent loans | 878.1250% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.1547% | 5,566 |
| Noncurrent loans to loans | 0.1673% | 5,411 |
| Net loans and leases to total assets | 91.1394% | 38 |
| Net loans and leases to deposits | 105.8784% | 331 |
| Net loans and leases to core deposits | 128.9438% | 244 |
| Total domestic deposits to total assets | 86.0793% | 2,806 |
| Equity capital to assets | 13.7079% | 1,107 |
| Core capital (leverage) ratio | 13.4157% | 1,026 |
| Tier 1 risk-based capital ratio | 14.2080% | 4,077 |
| Total risk-based capital ratio | 15.4609% | 4,005 |
| Memoranda: | ||
| Average total assets | $43,731,500 | 6,004 |
| Average earning assets | $42,340,000 | 5,936 |
| Average equity | $5,654,750 | 5,757 |
| Average total loans | $37,747,000 | 5,309 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2877% | 439 |
| Cost of funding earning assets | 0.9006% | 430 |
| Net interest margin | 4.3871% | 870 |
| Noninterest income to average assets | 0.2740% | 5,237 |
| Noninterest expense to average assets | 2.3764% | 4,953 |
| Loan and lease loss provision to assets | 0.0090% | 4,053 |
| Net operating income to assets | 2.1338% | 259 |
| Return on assets (ROA) | 2.1338% | 273 |
| Pretax return on assets | 2.1338% | 418 |
| Return on Equity (ROE) | 16.8151% | 572 |
| Retained earnings to average equity (ytd only) | -1.3098% | 5,901 |
| Net charge-offs to loans | -1.0113% | 6,574 |
| Credit loss provision to net charge-offs | -1.0526% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5845% | 6,024 |
| Assets per employee ($millions) | 3.3145% | 5,229 |
| Cash dividends to net income (ytd only)* | 107.7895% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5141% | 2,834 |
| Loan loss allowance to noncurrent loans | 739.4737% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.3922% | 4,837 |
| Noncurrent loans to loans | 0.2048% | 5,403 |
| Net loans and leases to total assets | 84.8403% | 247 |
| Net loans and leases to deposits | 97.6311% | 692 |
| Net loans and leases to core deposits | 118.7654% | 408 |
| Total domestic deposits to total assets | 86.8989% | 2,514 |
| Equity capital to assets | 12.8504% | 1,453 |
| Core capital (leverage) ratio | 12.5124% | 1,383 |
| Tier 1 risk-based capital ratio | 14.0934% | 4,201 |
| Total risk-based capital ratio | 15.3457% | 4,128 |
| Memoranda: | ||
| Average total assets | $44,521,000 | 6,044 |
| Average earning assets | $43,081,000 | 5,976 |
| Average equity | $5,649,670 | 5,792 |
| Average total loans | $37,576,000 | 5,352 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2213% | 469 |
| Cost of funding earning assets | 0.8778% | 510 |
| Net interest margin | 4.3435% | 913 |
| Noninterest income to average assets | 0.4333% | 3,925 |
| Noninterest expense to average assets | 2.2725% | 5,268 |
| Loan and lease loss provision to assets | 0.0265% | 3,485 |
| Net operating income to assets | 2.3343% | 192 |
| Return on assets (ROA) | 2.3343% | 201 |
| Pretax return on assets | 2.3343% | 293 |
| Return on Equity (ROE) | 18.5068% | 397 |
| Retained earnings to average equity (ytd only) | 18.5068% | 161 |
| Net charge-offs to loans | -2.2431% | 6,666 |
| Credit loss provision to net charge-offs | -1.4151% | 4,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0458% | 6,312 |
| Assets per employee ($millions) | 4.3304% | 3,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5935% | 2,732 |
| Loan loss allowance to noncurrent loans | 789.1892% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.1709% | 5,723 |
| Noncurrent loans to loans | 0.2019% | 5,487 |
| Net loans and leases to total assets | 83.2810% | 277 |
| Net loans and leases to deposits | 96.5466% | 617 |
| Net loans and leases to core deposits | 118.0723% | 360 |
| Total domestic deposits to total assets | 86.2599% | 3,227 |
| Equity capital to assets | 13.4814% | 1,103 |
| Core capital (leverage) ratio | 13.2387% | 1,076 |
| Tier 1 risk-based capital ratio | 15.1577% | 3,629 |
| Total risk-based capital ratio | 16.4118% | 3,584 |
| Memoranda: | ||
| Average total assets | $45,237,500 | 6,084 |
| Average earning assets | $43,743,500 | 6,012 |
| Average equity | $5,706,000 | 5,818 |
| Average total loans | $37,805,000 | 5,396 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6438% | 288 |
| Cost of funding earning assets | 0.8898% | 781 |
| Net interest margin | 4.7540% | 472 |
| Noninterest income to average assets | 0.5710% | 3,267 |
| Noninterest expense to average assets | 2.9175% | 3,321 |
| Loan and lease loss provision to assets | 0.3814% | 803 |
| Net operating income to assets | 1.8423% | 447 |
| Return on assets (ROA) | 1.8423% | 457 |
| Pretax return on assets | 1.8423% | 688 |
| Return on Equity (ROE) | 15.5971% | 674 |
| Retained earnings to average equity (ytd only) | 2.7181% | 4,308 |
| Net charge-offs to loans | 0.5874% | 1,124 |
| Credit loss provision to net charge-offs | 76.2931% | 3,134 |
| Earnings coverage of net charge-offs (x) | 4.4483% | 3,564 |
| Efficiency ratio | 56.7477% | 5,876 |
| Assets per employee ($millions) | 4.7171% | 2,561 |
| Cash dividends to net income (ytd only)* | 82.5731% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9471% | 5,768 |
| Loan loss allowance to noncurrent loans | 492.0000% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.1590% | 5,840 |
| Noncurrent loans to loans | 0.1925% | 5,617 |
| Net loans and leases to total assets | 81.8151% | 427 |
| Net loans and leases to deposits | 93.0984% | 947 |
| Net loans and leases to core deposits | 111.0782% | 574 |
| Total domestic deposits to total assets | 87.8803% | 2,252 |
| Equity capital to assets | 11.8166% | 1,936 |
| Core capital (leverage) ratio | 12.3924% | 1,408 |
| Tier 1 risk-based capital ratio | 13.5720% | 4,599 |
| Total risk-based capital ratio | 14.4704% | 4,782 |
| Memoranda: | ||
| Average total assets | $46,409,200 | 6,105 |
| Average earning assets | $44,615,200 | 6,033 |
| Average equity | $5,481,800 | 5,935 |
| Average total loans | $39,497,400 | 5,368 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6404% | 301 |
| Cost of funding earning assets | 0.8876% | 868 |
| Net interest margin | 4.7528% | 466 |
| Noninterest income to average assets | 0.1904% | 6,048 |
| Noninterest expense to average assets | 2.3569% | 5,164 |
| Loan and lease loss provision to assets | 0.1298% | 2,666 |
| Net operating income to assets | 2.2761% | 225 |
| Return on assets (ROA) | 2.2761% | 235 |
| Pretax return on assets | 2.2761% | 337 |
| Return on Equity (ROE) | 19.2713% | 352 |
| Retained earnings to average equity (ytd only) | 3.6393% | 4,105 |
| Net charge-offs to loans | -0.0908% | 6,474 |
| Credit loss provision to net charge-offs | -166.6667% | 5,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4852% | 6,425 |
| Assets per employee ($millions) | 4.4691% | 2,931 |
| Cash dividends to net income (ytd only)* | 81.1154% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 4,576 |
| Loan loss allowance to noncurrent loans | 123.0769% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.9017% | 3,881 |
| Noncurrent loans to loans | 1.0266% | 3,746 |
| Net loans and leases to total assets | 86.7244% | 118 |
| Net loans and leases to deposits | 99.3566% | 496 |
| Net loans and leases to core deposits | 125.5564% | 243 |
| Total domestic deposits to total assets | 87.2860% | 2,514 |
| Equity capital to assets | 12.4701% | 1,599 |
| Core capital (leverage) ratio | 12.5844% | 1,378 |
| Tier 1 risk-based capital ratio | 13.5002% | 4,757 |
| Total risk-based capital ratio | 14.7017% | 4,738 |
| Memoranda: | ||
| Average total assets | $46,218,750 | 6,183 |
| Average earning assets | $44,464,250 | 6,106 |
| Average equity | $5,458,750 | 6,018 |
| Average total loans | $39,631,250 | 5,412 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5650% | 345 |
| Cost of funding earning assets | 0.8763% | 1,003 |
| Net interest margin | 4.6886% | 515 |
| Noninterest income to average assets | 0.1883% | 6,083 |
| Noninterest expense to average assets | 2.3968% | 5,064 |
| Loan and lease loss provision to assets | 0.1284% | 2,713 |
| Net operating income to assets | 2.1743% | 274 |
| Return on assets (ROA) | 2.1743% | 292 |
| Pretax return on assets | 2.1743% | 440 |
| Return on Equity (ROE) | 18.7431% | 406 |
| Retained earnings to average equity (ytd only) | 0.6641% | 5,631 |
| Net charge-offs to loans | -0.2163% | 6,684 |
| Credit loss provision to net charge-offs | -69.7674% | 5,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0018% | 6,355 |
| Assets per employee ($millions) | 4.3707% | 3,054 |
| Cash dividends to net income (ytd only)* | 96.4567% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2782% | 4,611 |
| Loan loss allowance to noncurrent loans | 78.6730% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 1.4483% | 2,929 |
| Noncurrent loans to loans | 1.6247% | 2,870 |
| Net loans and leases to total assets | 87.9996% | 89 |
| Net loans and leases to deposits | 100.8390% | 384 |
| Net loans and leases to core deposits | 128.2024% | 203 |
| Total domestic deposits to total assets | 87.2675% | 2,681 |
| Equity capital to assets | 12.4534% | 1,606 |
| Core capital (leverage) ratio | 12.0894% | 1,570 |
| Tier 1 risk-based capital ratio | 13.4911% | 4,777 |
| Total risk-based capital ratio | 14.7255% | 4,744 |
| Memoranda: | ||
| Average total assets | $46,728,000 | 6,218 |
| Average earning assets | $44,959,670 | 6,138 |
| Average equity | $5,420,670 | 6,073 |
| Average total loans | $39,757,000 | 5,432 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5099% | 365 |
| Cost of funding earning assets | 0.8650% | 1,178 |
| Net interest margin | 4.6449% | 523 |
| Noninterest income to average assets | 0.3151% | 5,174 |
| Noninterest expense to average assets | 2.4047% | 5,105 |
| Loan and lease loss provision to assets | 0.1244% | 2,679 |
| Net operating income to assets | 2.2389% | 227 |
| Return on assets (ROA) | 2.2389% | 253 |
| Pretax return on assets | 2.2389% | 384 |
| Return on Equity (ROE) | 19.9649% | 296 |
| Retained earnings to average equity (ytd only) | -2.2183% | 6,101 |
| Net charge-offs to loans | -0.1096% | 6,482 |
| Credit loss provision to net charge-offs | -136.3636% | 5,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4348% | 6,475 |
| Assets per employee ($millions) | 4.5779% | 2,839 |
| Cash dividends to net income (ytd only)* | 111.1111% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 5,452 |
| Loan loss allowance to noncurrent loans | 156.2500% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.6291% | 4,811 |
| Noncurrent loans to loans | 0.7282% | 4,674 |
| Net loans and leases to total assets | 85.4147% | 143 |
| Net loans and leases to deposits | 97.1189% | 484 |
| Net loans and leases to core deposits | 125.5200% | 212 |
| Total domestic deposits to total assets | 87.9486% | 2,350 |
| Equity capital to assets | 11.7827% | 2,194 |
| Core capital (leverage) ratio | 11.5303% | 1,862 |
| Tier 1 risk-based capital ratio | 12.9037% | 5,299 |
| Total risk-based capital ratio | 13.9802% | 5,366 |
| Memoranda: | ||
| Average total assets | $48,238,500 | 6,234 |
| Average earning assets | $46,244,000 | 6,152 |
| Average equity | $5,409,500 | 6,140 |
| Average total loans | $40,155,500 | 5,456 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4669% | 667 |
| Cost of funding earning assets | 0.9729% | 1,508 |
| Net interest margin | 4.4940% | 957 |
| Noninterest income to average assets | 0.2337% | 5,773 |
| Noninterest expense to average assets | 2.4944% | 5,116 |
| Loan and lease loss provision to assets | 0.2740% | 2,455 |
| Net operating income to assets | 1.7650% | 544 |
| Return on assets (ROA) | 1.7650% | 608 |
| Pretax return on assets | 1.7650% | 987 |
| Return on Equity (ROE) | 16.6230% | 583 |
| Retained earnings to average equity (ytd only) | 7.7233% | 1,223 |
| Net charge-offs to loans | 0.2664% | 3,342 |
| Credit loss provision to net charge-offs | 128.3019% | 2,195 |
| Earnings coverage of net charge-offs (x) | 9.5472% | 2,258 |
| Efficiency ratio | 55.0222% | 6,166 |
| Assets per employee ($millions) | 5.0698% | 2,142 |
| Cash dividends to net income (ytd only)* | 53.5388% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0403% | 5,813 |
| Loan loss allowance to noncurrent loans | 155.8824% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.5365% | 5,134 |
| Noncurrent loans to loans | 0.6673% | 4,863 |
| Net loans and leases to total assets | 79.5594% | 513 |
| Net loans and leases to deposits | 89.3850% | 1,130 |
| Net loans and leases to core deposits | 112.3037% | 458 |
| Total domestic deposits to total assets | 89.0075% | 1,559 |
| Equity capital to assets | 10.7006% | 3,284 |
| Core capital (leverage) ratio | 11.8295% | 1,650 |
| Tier 1 risk-based capital ratio | 12.4687% | 5,500 |
| Total risk-based capital ratio | 13.4432% | 5,616 |
| Memoranda: | ||
| Average total assets | $49,631,800 | 6,221 |
| Average earning assets | $47,485,400 | 6,132 |
| Average equity | $5,269,800 | 6,218 |
| Average total loans | $39,782,400 | 5,515 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4715% | 726 |
| Cost of funding earning assets | 1.0076% | 1,511 |
| Net interest margin | 4.4639% | 1,064 |
| Noninterest income to average assets | 0.2188% | 5,979 |
| Noninterest expense to average assets | 2.2904% | 5,711 |
| Loan and lease loss provision to assets | 0.1215% | 4,036 |
| Net operating income to assets | 2.0905% | 338 |
| Return on assets (ROA) | 2.0905% | 377 |
| Pretax return on assets | 2.0905% | 585 |
| Return on Equity (ROE) | 19.7280% | 343 |
| Retained earnings to average equity (ytd only) | 11.9031% | 543 |
| Net charge-offs to loans | 0.0944% | 4,434 |
| Credit loss provision to net charge-offs | 160.7143% | 1,732 |
| Earnings coverage of net charge-offs (x) | 29.2518% | 1,120 |
| Efficiency ratio | 50.8698% | 6,527 |
| Assets per employee ($millions) | 4.2545% | 3,359 |
| Cash dividends to net income (ytd only)* | 39.6639% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0326% | 5,964 |
| Loan loss allowance to noncurrent loans | 93.6073% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 0.9893% | 4,303 |
| Noncurrent loans to loans | 1.1031% | 4,219 |
| Net loans and leases to total assets | 83.9679% | 230 |
| Net loans and leases to deposits | 95.3811% | 698 |
| Net loans and leases to core deposits | 121.1599% | 288 |
| Total domestic deposits to total assets | 88.0342% | 2,027 |
| Equity capital to assets | 11.7179% | 2,514 |
| Core capital (leverage) ratio | 12.3547% | 1,470 |
| Tier 1 risk-based capital ratio | 13.1391% | 5,139 |
| Total risk-based capital ratio | 14.1214% | 5,317 |
| Memoranda: | ||
| Average total assets | $49,365,250 | 6,303 |
| Average earning assets | $47,371,500 | 6,212 |
| Average equity | $5,231,000 | 6,300 |
| Average total loans | $39,538,250 | 5,597 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3506% | 958 |
| Cost of funding earning assets | 1.0296% | 1,585 |
| Net interest margin | 4.3210% | 1,425 |
| Noninterest income to average assets | 0.1912% | 6,189 |
| Noninterest expense to average assets | 2.1704% | 6,080 |
| Loan and lease loss provision to assets | 0.1195% | 4,041 |
| Net operating income to assets | 2.0629% | 356 |
| Return on assets (ROA) | 2.0629% | 397 |
| Pretax return on assets | 2.0629% | 619 |
| Return on Equity (ROE) | 20.1295% | 352 |
| Retained earnings to average equity (ytd only) | 8.1995% | 1,573 |
| Net charge-offs to loans | 0.0203% | 5,125 |
| Credit loss provision to net charge-offs | 750.0000% | 416 |
| Earnings coverage of net charge-offs (x) | 137.0000% | 326 |
| Efficiency ratio | 49.8628% | 6,653 |
| Assets per employee ($millions) | 4.1765% | 3,505 |
| Cash dividends to net income (ytd only)* | 59.2664% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0503% | 5,957 |
| Loan loss allowance to noncurrent loans | 146.3415% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.6791% | 5,073 |
| Noncurrent loans to loans | 0.7177% | 5,072 |
| Net loans and leases to total assets | 86.1238% | 135 |
| Net loans and leases to deposits | 97.5831% | 549 |
| Net loans and leases to core deposits | 129.4816% | 213 |
| Total domestic deposits to total assets | 88.2569% | 1,980 |
| Equity capital to assets | 11.3817% | 2,708 |
| Core capital (leverage) ratio | 10.9904% | 2,302 |
| Tier 1 risk-based capital ratio | 12.5471% | 5,537 |
| Total risk-based capital ratio | 13.5549% | 5,698 |
| Memoranda: | ||
| Average total assets | $50,220,330 | 6,320 |
| Average earning assets | $48,368,670 | 6,223 |
| Average equity | $5,146,670 | 6,351 |
| Average total loans | $39,482,000 | 5,629 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1111% | 1,544 |
| Cost of funding earning assets | 1.0175% | 1,881 |
| Net interest margin | 4.0937% | 2,117 |
| Noninterest income to average assets | 0.1833% | 6,278 |
| Noninterest expense to average assets | 1.9022% | 6,643 |
| Loan and lease loss provision to assets | 0.1146% | 3,922 |
| Net operating income to assets | 2.1009% | 351 |
| Return on assets (ROA) | 2.1009% | 404 |
| Pretax return on assets | 2.1009% | 634 |
| Return on Equity (ROE) | 21.5454% | 293 |
| Retained earnings to average equity (ytd only) | 13.7107% | 599 |
| Net charge-offs to loans | 0.0408% | 4,127 |
| Credit loss provision to net charge-offs | 375.0000% | 817 |
| Earnings coverage of net charge-offs (x) | 72.5000% | 460 |
| Efficiency ratio | 46.1967% | 6,889 |
| Assets per employee ($millions) | 4.4638% | 3,063 |
| Cash dividends to net income (ytd only)* | 36.3636% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 6,110 |
| Loan loss allowance to noncurrent loans | 163.3065% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.5560% | 5,490 |
| Noncurrent loans to loans | 0.6381% | 5,365 |
| Net loans and leases to total assets | 78.3288% | 556 |
| Net loans and leases to deposits | 87.8647% | 1,185 |
| Net loans and leases to core deposits | 113.8438% | 436 |
| Total domestic deposits to total assets | 89.1471% | 1,604 |
| Equity capital to assets | 10.5759% | 3,405 |
| Core capital (leverage) ratio | 10.6003% | 2,646 |
| Tier 1 risk-based capital ratio | 12.5596% | 5,558 |
| Total risk-based capital ratio | 13.5391% | 5,731 |
| Memoranda: | ||
| Average total assets | $52,359,500 | 6,296 |
| Average earning assets | $50,321,500 | 6,180 |
| Average equity | $5,105,500 | 6,397 |
| Average total loans | $39,229,500 | 5,673 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6237% | 914 |
| Cost of funding earning assets | 1.3233% | 1,374 |
| Net interest margin | 4.3003% | 1,695 |
| Noninterest income to average assets | 0.2315% | 5,881 |
| Noninterest expense to average assets | 2.5684% | 5,203 |
| Loan and lease loss provision to assets | 0.2134% | 4,055 |
| Net operating income to assets | 1.5901% | 679 |
| Return on assets (ROA) | 1.5901% | 740 |
| Pretax return on assets | 1.5901% | 1,228 |
| Return on Equity (ROE) | 16.3203% | 561 |
| Retained earnings to average equity (ytd only) | 7.4164% | 1,307 |
| Net charge-offs to loans | 0.1846% | 4,670 |
| Credit loss provision to net charge-offs | 145.2055% | 1,982 |
| Earnings coverage of net charge-offs (x) | 12.2740% | 1,638 |
| Efficiency ratio | 58.7477% | 5,940 |
| Assets per employee ($millions) | 5.5617% | 1,569 |
| Cash dividends to net income (ytd only)* | 54.5570% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 6,247 |
| Loan loss allowance to noncurrent loans | 102.8721% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.7336% | 5,178 |
| Noncurrent loans to loans | 0.9673% | 4,773 |
| Net loans and leases to total assets | 70.4802% | 1,940 |
| Net loans and leases to deposits | 77.8221% | 2,873 |
| Net loans and leases to core deposits | 97.0729% | 1,405 |
| Total domestic deposits to total assets | 90.5658% | 683 |
| Equity capital to assets | 9.0224% | 5,523 |
| Core capital (leverage) ratio | 10.3826% | 2,864 |
| Tier 1 risk-based capital ratio | 11.5937% | 6,102 |
| Total risk-based capital ratio | 12.5040% | 6,286 |
| Memoranda: | ||
| Average total assets | $49,681,600 | 6,378 |
| Average earning assets | $47,833,600 | 6,263 |
| Average equity | $4,840,600 | 6,496 |
| Average total loans | $39,549,200 | 5,714 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8519% | 620 |
| Cost of funding earning assets | 1.4321% | 1,095 |
| Net interest margin | 4.4199% | 1,346 |
| Noninterest income to average assets | 0.2130% | 6,093 |
| Noninterest expense to average assets | 2.4841% | 5,516 |
| Loan and lease loss provision to assets | 0.2517% | 3,492 |
| Net operating income to assets | 1.7289% | 588 |
| Return on assets (ROA) | 1.7289% | 644 |
| Pretax return on assets | 1.7289% | 1,085 |
| Return on Equity (ROE) | 17.3742% | 527 |
| Retained earnings to average equity (ytd only) | 7.6168% | 1,657 |
| Net charge-offs to loans | 0.2563% | 3,830 |
| Credit loss provision to net charge-offs | 119.7368% | 2,720 |
| Earnings coverage of net charge-offs (x) | 9.4211% | 2,050 |
| Efficiency ratio | 55.6382% | 6,328 |
| Assets per employee ($millions) | 4.2297% | 3,399 |
| Cash dividends to net income (ytd only)* | 56.1604% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9573% | 6,429 |
| Loan loss allowance to noncurrent loans | 291.4729% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 6,218 |
| Noncurrent loans to loans | 0.3284% | 6,197 |
| Net loans and leases to total assets | 83.6138% | 246 |
| Net loans and leases to deposits | 93.8915% | 845 |
| Net loans and leases to core deposits | 123.7176% | 316 |
| Total domestic deposits to total assets | 89.0537% | 1,402 |
| Equity capital to assets | 10.6024% | 3,570 |
| Core capital (leverage) ratio | 10.4237% | 2,964 |
| Tier 1 risk-based capital ratio | 11.9019% | 5,958 |
| Total risk-based capital ratio | 12.8091% | 6,192 |
| Memoranda: | ||
| Average total assets | $48,197,750 | 6,473 |
| Average earning assets | $46,365,250 | 6,369 |
| Average equity | $4,796,250 | 6,560 |
| Average total loans | $39,538,250 | 5,765 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6966% | 883 |
| Cost of funding earning assets | 1.4879% | 1,045 |
| Net interest margin | 4.2086% | 2,003 |
| Noninterest income to average assets | 0.2051% | 6,197 |
| Noninterest expense to average assets | 2.4244% | 5,768 |
| Loan and lease loss provision to assets | 0.1149% | 4,850 |
| Net operating income to assets | 1.7270% | 568 |
| Return on assets (ROA) | 1.7270% | 612 |
| Pretax return on assets | 1.7270% | 996 |
| Return on Equity (ROE) | 17.7238% | 483 |
| Retained earnings to average equity (ytd only) | 6.8622% | 1,941 |
| Net charge-offs to loans | 0.1161% | 4,545 |
| Credit loss provision to net charge-offs | 121.7391% | 2,505 |
| Earnings coverage of net charge-offs (x) | 19.5217% | 1,215 |
| Efficiency ratio | 56.8269% | 6,315 |
| Assets per employee ($millions) | 3.9940% | 3,766 |
| Cash dividends to net income (ytd only)* | 61.2827% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9183% | 6,607 |
| Loan loss allowance to noncurrent loans | 211.5607% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.3610% | 6,232 |
| Noncurrent loans to loans | 0.4341% | 6,040 |
| Net loans and leases to total assets | 82.3944% | 349 |
| Net loans and leases to deposits | 92.0942% | 1,052 |
| Net loans and leases to core deposits | 122.6474% | 366 |
| Total domestic deposits to total assets | 89.4675% | 1,263 |
| Equity capital to assets | 10.0609% | 4,064 |
| Core capital (leverage) ratio | 9.7528% | 3,591 |
| Tier 1 risk-based capital ratio | 11.3866% | 6,261 |
| Total risk-based capital ratio | 12.2509% | 6,514 |
| Memoranda: | ||
| Average total assets | $48,754,670 | 6,520 |
| Average earning assets | $47,046,000 | 6,399 |
| Average equity | $4,750,670 | 6,615 |
| Average total loans | $39,624,670 | 5,816 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5488% | 1,179 |
| Cost of funding earning assets | 1.4897% | 1,208 |
| Net interest margin | 4.0590% | 2,440 |
| Noninterest income to average assets | 0.1790% | 6,439 |
| Noninterest expense to average assets | 2.3023% | 6,178 |
| Loan and lease loss provision to assets | 0.1058% | 4,692 |
| Net operating income to assets | 1.7166% | 565 |
| Return on assets (ROA) | 1.7166% | 596 |
| Pretax return on assets | 1.7166% | 958 |
| Return on Equity (ROE) | 17.9003% | 492 |
| Retained earnings to average equity (ytd only) | 9.4168% | 1,258 |
| Net charge-offs to loans | -0.1519% | 7,204 |
| Credit loss provision to net charge-offs | -86.6667% | 5,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8185% | 6,520 |
| Assets per employee ($millions) | 4.4521% | 2,972 |
| Cash dividends to net income (ytd only)* | 47.3934% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9926% | 6,425 |
| Loan loss allowance to noncurrent loans | 125.0804% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.6350% | 5,684 |
| Noncurrent loans to loans | 0.7936% | 5,446 |
| Net loans and leases to total assets | 79.2294% | 598 |
| Net loans and leases to deposits | 88.1681% | 1,446 |
| Net loans and leases to core deposits | 116.4286% | 515 |
| Total domestic deposits to total assets | 89.8618% | 1,236 |
| Equity capital to assets | 9.7421% | 4,120 |
| Core capital (leverage) ratio | 9.6685% | 3,572 |
| Tier 1 risk-based capital ratio | 11.4150% | 6,166 |
| Total risk-based capital ratio | 12.3457% | 6,417 |
| Memoranda: | ||
| Average total assets | $49,168,000 | 6,553 |
| Average earning assets | $47,794,500 | 6,419 |
| Average equity | $4,715,000 | 6,647 |
| Average total loans | $39,509,000 | 5,872 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3251% | 441 |
| Cost of funding earning assets | 1.7082% | 1,564 |
| Net interest margin | 4.6169% | 979 |
| Noninterest income to average assets | 0.2978% | 5,663 |
| Noninterest expense to average assets | 2.7185% | 4,908 |
| Loan and lease loss provision to assets | 0.4456% | 3,456 |
| Net operating income to assets | 1.5944% | 625 |
| Return on assets (ROA) | 1.5944% | 678 |
| Pretax return on assets | 1.5944% | 1,142 |
| Return on Equity (ROE) | 15.7376% | 608 |
| Retained earnings to average equity (ytd only) | 6.9184% | 1,356 |
| Net charge-offs to loans | 0.5479% | 3,415 |
| Credit loss provision to net charge-offs | 92.1296% | 5,036 |
| Earnings coverage of net charge-offs (x) | 4.2176% | 3,014 |
| Efficiency ratio | 57.1294% | 6,445 |
| Assets per employee ($millions) | 4.4875% | 2,898 |
| Cash dividends to net income (ytd only)* | 56.0393% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9089% | 6,703 |
| Loan loss allowance to noncurrent loans | 329.0909% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 6,678 |
| Noncurrent loans to loans | 0.2762% | 6,512 |
| Net loans and leases to total assets | 79.9506% | 667 |
| Net loans and leases to deposits | 88.7594% | 1,683 |
| Net loans and leases to core deposits | 115.9469% | 643 |
| Total domestic deposits to total assets | 90.0756% | 1,051 |
| Equity capital to assets | 9.4382% | 4,487 |
| Core capital (leverage) ratio | 9.4685% | 3,741 |
| Tier 1 risk-based capital ratio | 11.0051% | 6,319 |
| Total risk-based capital ratio | 11.8602% | 6,599 |
| Memoranda: | ||
| Average total assets | $44,657,000 | 6,708 |
| Average earning assets | $43,145,800 | 6,613 |
| Average equity | $4,524,200 | 6,810 |
| Average total loans | $39,424,600 | 5,944 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4957% | 347 |
| Cost of funding earning assets | 1.7464% | 1,645 |
| Net interest margin | 4.7493% | 748 |
| Noninterest income to average assets | 0.3066% | 5,703 |
| Noninterest expense to average assets | 2.4807% | 5,779 |
| Loan and lease loss provision to assets | 0.4906% | 3,016 |
| Net operating income to assets | 1.9135% | 392 |
| Return on assets (ROA) | 1.9135% | 435 |
| Pretax return on assets | 1.9135% | 747 |
| Return on Equity (ROE) | 18.5276% | 429 |
| Retained earnings to average equity (ytd only) | 8.2543% | 1,328 |
| Net charge-offs to loans | 0.4001% | 3,684 |
| Credit loss provision to net charge-offs | 135.5932% | 2,963 |
| Earnings coverage of net charge-offs (x) | 6.6441% | 2,483 |
| Efficiency ratio | 50.7847% | 7,088 |
| Assets per employee ($millions) | 4.1397% | 3,572 |
| Cash dividends to net income (ytd only)* | 55.4484% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0383% | 6,227 |
| Loan loss allowance to noncurrent loans | 114.1304% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.8081% | 5,482 |
| Noncurrent loans to loans | 0.9098% | 5,424 |
| Net loans and leases to total assets | 87.9065% | 112 |
| Net loans and leases to deposits | 98.2621% | 779 |
| Net loans and leases to core deposits | 135.6305% | 304 |
| Total domestic deposits to total assets | 89.4613% | 1,140 |
| Equity capital to assets | 10.1522% | 3,945 |
| Core capital (leverage) ratio | 10.3167% | 2,894 |
| Tier 1 risk-based capital ratio | 11.0203% | 6,362 |
| Total risk-based capital ratio | 12.0215% | 6,553 |
| Memoranda: | ||
| Average total assets | $43,480,500 | 6,837 |
| Average earning assets | $41,913,750 | 6,727 |
| Average equity | $4,490,500 | 6,907 |
| Average total loans | $39,323,750 | 6,032 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4897% | 343 |
| Cost of funding earning assets | 1.7668% | 1,784 |
| Net interest margin | 4.7228% | 785 |
| Noninterest income to average assets | 0.2804% | 5,905 |
| Noninterest expense to average assets | 2.4021% | 6,066 |
| Loan and lease loss provision to assets | 0.7057% | 2,063 |
| Net operating income to assets | 1.7198% | 568 |
| Return on assets (ROA) | 1.7198% | 622 |
| Pretax return on assets | 1.7198% | 1,027 |
| Return on Equity (ROE) | 16.5530% | 624 |
| Retained earnings to average equity (ytd only) | 7.6917% | 1,555 |
| Net charge-offs to loans | 0.6162% | 2,682 |
| Credit loss provision to net charge-offs | 125.8333% | 3,202 |
| Earnings coverage of net charge-offs (x) | 4.3250% | 2,991 |
| Efficiency ratio | 49.7580% | 7,242 |
| Assets per employee ($millions) | 3.8315% | 4,151 |
| Cash dividends to net income (ytd only)* | 53.5326% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 6,258 |
| Loan loss allowance to noncurrent loans | 143.5088% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.6762% | 5,798 |
| Noncurrent loans to loans | 0.7193% | 5,816 |
| Net loans and leases to total assets | 93.0339% | 19 |
| Net loans and leases to deposits | 104.8535% | 443 |
| Net loans and leases to core deposits | 134.8708% | 348 |
| Total domestic deposits to total assets | 88.7275% | 1,588 |
| Equity capital to assets | 10.7149% | 3,163 |
| Core capital (leverage) ratio | 10.2639% | 2,879 |
| Tier 1 risk-based capital ratio | 11.0227% | 6,215 |
| Total risk-based capital ratio | 12.0210% | 6,457 |
| Memoranda: | ||
| Average total assets | $42,795,000 | 6,910 |
| Average earning assets | $41,204,000 | 6,805 |
| Average equity | $4,446,330 | 6,955 |
| Average total loans | $38,948,330 | 6,092 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3311% | 502 |
| Cost of funding earning assets | 1.7197% | 2,291 |
| Net interest margin | 4.6114% | 927 |
| Noninterest income to average assets | 0.3061% | 5,691 |
| Noninterest expense to average assets | 2.1893% | 6,713 |
| Loan and lease loss provision to assets | 0.4082% | 2,919 |
| Net operating income to assets | 2.1615% | 265 |
| Return on assets (ROA) | 2.1615% | 291 |
| Pretax return on assets | 2.1615% | 451 |
| Return on Equity (ROE) | 21.1266% | 324 |
| Retained earnings to average equity (ytd only) | 12.1501% | 723 |
| Net charge-offs to loans | 0.5801% | 2,357 |
| Credit loss provision to net charge-offs | 78.5714% | 3,914 |
| Earnings coverage of net charge-offs (x) | 4.9464% | 2,506 |
| Efficiency ratio | 46.0039% | 7,550 |
| Assets per employee ($millions) | 4.3711% | 3,175 |
| Cash dividends to net income (ytd only)* | 42.4893% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9438% | 6,693 |
| Loan loss allowance to noncurrent loans | 124.9147% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.6703% | 5,841 |
| Noncurrent loans to loans | 0.7556% | 5,815 |
| Net loans and leases to total assets | 87.8795% | 131 |
| Net loans and leases to deposits | 98.4570% | 868 |
| Net loans and leases to core deposits | 127.2206% | 556 |
| Total domestic deposits to total assets | 89.2567% | 1,394 |
| Equity capital to assets | 10.2446% | 3,542 |
| Core capital (leverage) ratio | 10.5509% | 2,573 |
| Tier 1 risk-based capital ratio | 11.0998% | 6,061 |
| Total risk-based capital ratio | 12.0070% | 6,369 |
| Memoranda: | ||
| Average total assets | $43,119,000 | 6,979 |
| Average earning assets | $41,636,000 | 6,871 |
| Average equity | $4,411,500 | 7,034 |
| Average total loans | $38,612,500 | 6,185 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1740% | 1,310 |
| Cost of funding earning assets | 1.8243% | 3,857 |
| Net interest margin | 4.3497% | 1,574 |
| Noninterest income to average assets | 0.6344% | 3,393 |
| Noninterest expense to average assets | 2.7999% | 4,976 |
| Loan and lease loss provision to assets | 0.3840% | 4,490 |
| Net operating income to assets | 1.6528% | 482 |
| Return on assets (ROA) | 1.6528% | 515 |
| Pretax return on assets | 1.6528% | 862 |
| Return on Equity (ROE) | 16.5047% | 504 |
| Retained earnings to average equity (ytd only) | 7.2878% | 877 |
| Net charge-offs to loans | 0.2083% | 5,324 |
| Credit loss provision to net charge-offs | 214.6667% | 1,782 |
| Earnings coverage of net charge-offs (x) | 11.3867% | 1,592 |
| Efficiency ratio | 57.8895% | 6,779 |
| Assets per employee ($millions) | 4.2527% | 3,343 |
| Cash dividends to net income (ytd only)* | 55.8442% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9832% | 6,474 |
| Loan loss allowance to noncurrent loans | 233.3333% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.3809% | 6,499 |
| Noncurrent loans to loans | 0.4214% | 6,428 |
| Net loans and leases to total assets | 89.5149% | 107 |
| Net loans and leases to deposits | 100.3374% | 872 |
| Net loans and leases to core deposits | 141.7433% | 746 |
| Total domestic deposits to total assets | 89.2139% | 1,378 |
| Equity capital to assets | 10.2170% | 3,493 |
| Core capital (leverage) ratio | 10.3383% | 2,750 |
| Tier 1 risk-based capital ratio | 11.0109% | 5,905 |
| Total risk-based capital ratio | 11.9688% | 6,164 |
| Memoranda: | ||
| Average total assets | $41,929,400 | 7,027 |
| Average earning assets | $40,508,400 | 6,927 |
| Average equity | $4,198,800 | 7,210 |
| Average total loans | $35,997,400 | 6,310 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1058% | 1,634 |
| Cost of funding earning assets | 1.8119% | 4,332 |
| Net interest margin | 4.2939% | 1,744 |
| Noninterest income to average assets | 0.6734% | 3,193 |
| Noninterest expense to average assets | 2.7604% | 5,061 |
| Loan and lease loss provision to assets | 0.1978% | 5,410 |
| Net operating income to assets | 1.8669% | 385 |
| Return on assets (ROA) | 1.8669% | 407 |
| Pretax return on assets | 1.8669% | 703 |
| Return on Equity (ROE) | 18.7394% | 379 |
| Retained earnings to average equity (ytd only) | 7.8482% | 1,177 |
| Net charge-offs to loans | 0.0980% | 5,691 |
| Credit loss provision to net charge-offs | 238.4615% | 1,834 |
| Earnings coverage of net charge-offs (x) | 24.8817% | 1,076 |
| Efficiency ratio | 57.2090% | 6,842 |
| Assets per employee ($millions) | 3.9941% | 3,743 |
| Cash dividends to net income (ytd only)* | 58.1194% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8713% | 6,878 |
| Loan loss allowance to noncurrent loans | 126.1538% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.6510% | 5,834 |
| Noncurrent loans to loans | 0.6907% | 5,921 |
| Net loans and leases to total assets | 93.4278% | 30 |
| Net loans and leases to deposits | 105.3856% | 687 |
| Net loans and leases to core deposits | 151.9010% | 544 |
| Total domestic deposits to total assets | 88.6533% | 1,362 |
| Equity capital to assets | 10.7233% | 3,269 |
| Core capital (leverage) ratio | 10.7330% | 2,615 |
| Tier 1 risk-based capital ratio | 11.1726% | 5,788 |
| Total risk-based capital ratio | 12.0282% | 6,146 |
| Memoranda: | ||
| Average total assets | $41,780,000 | 7,082 |
| Average earning assets | $40,397,750 | 6,984 |
| Average equity | $4,162,250 | 7,294 |
| Average total loans | $35,385,250 | 6,384 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8973% | 2,593 |
| Cost of funding earning assets | 1.8112% | 4,704 |
| Net interest margin | 4.0861% | 2,371 |
| Noninterest income to average assets | 0.6086% | 3,622 |
| Noninterest expense to average assets | 2.5287% | 6,024 |
| Loan and lease loss provision to assets | 0.2500% | 4,570 |
| Net operating income to assets | 1.7786% | 490 |
| Return on assets (ROA) | 1.7786% | 529 |
| Pretax return on assets | 1.7786% | 880 |
| Return on Equity (ROE) | 18.2921% | 467 |
| Retained earnings to average equity (ytd only) | 5.8709% | 2,085 |
| Net charge-offs to loans | 0.1039% | 5,120 |
| Credit loss provision to net charge-offs | 294.4444% | 1,586 |
| Earnings coverage of net charge-offs (x) | 23.8889% | 1,173 |
| Efficiency ratio | 55.4865% | 7,168 |
| Assets per employee ($millions) | 3.8044% | 4,088 |
| Cash dividends to net income (ytd only)* | 67.9045% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9123% | 6,718 |
| Loan loss allowance to noncurrent loans | 122.9323% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.6992% | 5,660 |
| Noncurrent loans to loans | 0.7421% | 5,759 |
| Net loans and leases to total assets | 93.3524% | 34 |
| Net loans and leases to deposits | 107.1795% | 695 |
| Net loans and leases to core deposits | 154.0514% | 559 |
| Total domestic deposits to total assets | 87.0991% | 2,199 |
| Equity capital to assets | 10.9347% | 2,979 |
| Core capital (leverage) ratio | 10.7569% | 2,602 |
| Tier 1 risk-based capital ratio | 11.0901% | 5,786 |
| Total risk-based capital ratio | 11.9618% | 6,115 |
| Memoranda: | ||
| Average total assets | $42,393,000 | 7,120 |
| Average earning assets | $40,967,670 | 7,016 |
| Average equity | $4,122,000 | 7,370 |
| Average total loans | $34,632,330 | 6,476 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7399% | 3,586 |
| Cost of funding earning assets | 1.8145% | 5,048 |
| Net interest margin | 3.9253% | 2,950 |
| Noninterest income to average assets | 0.2334% | 6,598 |
| Noninterest expense to average assets | 1.9476% | 7,452 |
| Loan and lease loss provision to assets | 0.0808% | 5,933 |
| Net operating income to assets | 2.0104% | 344 |
| Return on assets (ROA) | 2.0104% | 391 |
| Pretax return on assets | 2.0104% | 659 |
| Return on Equity (ROE) | 21.8377% | 314 |
| Retained earnings to average equity (ytd only) | 12.6737% | 686 |
| Net charge-offs to loans | 0.1411% | 3,831 |
| Credit loss provision to net charge-offs | 75.0000% | 4,263 |
| Earnings coverage of net charge-offs (x) | 19.4167% | 1,423 |
| Efficiency ratio | 48.2222% | 7,718 |
| Assets per employee ($millions) | 4.4398% | 2,816 |
| Cash dividends to net income (ytd only)* | 41.9643% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8492% | 6,976 |
| Loan loss allowance to noncurrent loans | 54.8387% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 1.1870% | 4,297 |
| Noncurrent loans to loans | 1.5485% | 3,955 |
| Net loans and leases to total assets | 76.0012% | 2,265 |
| Net loans and leases to deposits | 84.2753% | 3,934 |
| Net loans and leases to core deposits | 109.3670% | 3,517 |
| Total domestic deposits to total assets | 90.1820% | 717 |
| Equity capital to assets | 9.3878% | 4,824 |
| Core capital (leverage) ratio | 10.1254% | 3,268 |
| Tier 1 risk-based capital ratio | 11.3933% | 5,514 |
| Total risk-based capital ratio | 12.1833% | 5,869 |
| Memoranda: | ||
| Average total assets | $44,567,500 | 7,078 |
| Average earning assets | $43,206,500 | 6,968 |
| Average equity | $4,103,000 | 7,416 |
| Average total loans | $34,027,500 | 6,541 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6177% | 2,399 |
| Cost of funding earning assets | 2.6248% | 3,561 |
| Net interest margin | 3.9929% | 3,150 |
| Noninterest income to average assets | 0.2570% | 6,611 |
| Noninterest expense to average assets | 2.4772% | 6,097 |
| Loan and lease loss provision to assets | 0.1762% | 5,138 |
| Net operating income to assets | 1.3757% | 1,288 |
| Return on assets (ROA) | 1.3757% | 1,240 |
| Pretax return on assets | 1.3757% | 2,044 |
| Return on Equity (ROE) | 14.2923% | 1,050 |
| Retained earnings to average equity (ytd only) | 4.8828% | 2,092 |
| Net charge-offs to loans | 0.0758% | 5,672 |
| Credit loss provision to net charge-offs | 300.0000% | 1,503 |
| Earnings coverage of net charge-offs (x) | 26.4167% | 1,289 |
| Efficiency ratio | 61.4824% | 6,051 |
| Assets per employee ($millions) | 4.4737% | 2,655 |
| Cash dividends to net income (ytd only)* | 65.8363% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8582% | 6,861 |
| Loan loss allowance to noncurrent loans | 114.0625% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.5722% | 5,476 |
| Noncurrent loans to loans | 0.7524% | 5,148 |
| Net loans and leases to total assets | 75.3984% | 2,782 |
| Net loans and leases to deposits | 83.5091% | 4,498 |
| Net loans and leases to core deposits | 107.2289% | 4,056 |
| Total domestic deposits to total assets | 90.2877% | 553 |
| Equity capital to assets | 9.0261% | 5,338 |
| Core capital (leverage) ratio | 10.0691% | 3,381 |
| Tier 1 risk-based capital ratio | 10.8604% | 5,849 |
| Total risk-based capital ratio | 11.6457% | 6,193 |
| Memoranda: | ||
| Average total assets | $40,853,400 | 7,179 |
| Average earning assets | $38,593,200 | 7,106 |
| Average equity | $3,932,200 | 7,538 |
| Average total loans | $31,666,400 | 6,621 |