Home > Reynolds State Bank > Performance and Condition Ratios
Reynolds State Bank, Performance and Condition Ratios
| 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 | 2.3922% | 4,867 |
| Cost of funding earning assets | 0.6271% | 2,137 |
| Net interest margin | 1.7651% | 4,887 |
| Noninterest income to average assets | 0.0038% | 4,953 |
| Noninterest expense to average assets | 0.6807% | 4,968 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9024% | 2,686 |
| Return on assets (ROA) | 0.9141% | 2,771 |
| Pretax return on assets | 1.0552% | 2,858 |
| Return on Equity (ROE) | 4.9535% | 3,923 |
| Retained earnings to average equity (ytd only) | -42.9168% | 4,988 |
| Net charge-offs to loans | -0.2400% | 4,912 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5206% | 4,883 |
| Assets per employee ($millions) | 21.6440% | 78 |
| Cash dividends to net income (ytd only)* | 966.3866% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3988% | 104 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 8.0891% | 4,950 |
| Net loans and leases to deposits | 9.2619% | 4,955 |
| Net loans and leases to core deposits | 9.4449% | 4,948 |
| Total domestic deposits to total assets | 87.3369% | 1,767 |
| Equity capital to assets | 11.9414% | 1,603 |
| Core capital (leverage) ratio | 10.2370% | 2,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.3159% | 212 |
| Memoranda: | ||
| Average total assets | $104,150,400 | 3,942 |
| Average earning assets | $101,411,600 | 3,877 |
| Average equity | $19,218,600 | 3,257 |
| Average total loans | $12,499,400 | 4,854 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5335% | 4,900 |
| Cost of funding earning assets | 0.6659% | 2,222 |
| Net interest margin | 1.8676% | 4,923 |
| Noninterest income to average assets | 0.0039% | 4,982 |
| Noninterest expense to average assets | 0.7059% | 5,002 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0199% | 2,260 |
| Return on assets (ROA) | 1.0187% | 2,394 |
| Pretax return on assets | 1.1170% | 2,688 |
| Return on Equity (ROE) | 5.0530% | 3,882 |
| Retained earnings to average equity (ytd only) | 5.0530% | 2,534 |
| Net charge-offs to loans | -0.2994% | 4,951 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6960% | 4,923 |
| Assets per employee ($millions) | 21.5356% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0108% | 136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 9.2145% | 4,983 |
| Net loans and leases to deposits | 11.6852% | 4,983 |
| Net loans and leases to core deposits | 11.7762% | 4,980 |
| Total domestic deposits to total assets | 78.8564% | 4,076 |
| Equity capital to assets | 20.4136% | 194 |
| Core capital (leverage) ratio | 19.3932% | 224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.9747% | 73 |
| Memoranda: | ||
| Average total assets | $103,133,000 | 3,950 |
| Average earning assets | $100,517,500 | 3,886 |
| Average equity | $20,792,500 | 3,112 |
| Average total loans | $13,358,750 | 4,866 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6856% | 4,941 |
| Cost of funding earning assets | 0.7477% | 2,135 |
| Net interest margin | 1.9379% | 4,961 |
| Noninterest income to average assets | 0.0039% | 5,002 |
| Noninterest expense to average assets | 0.6042% | 5,045 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2577% | 1,468 |
| Return on assets (ROA) | 1.2577% | 1,590 |
| Pretax return on assets | 1.2872% | 2,079 |
| Return on Equity (ROE) | 6.2658% | 3,415 |
| Retained earnings to average equity (ytd only) | 6.2658% | 1,957 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.9459% | 5,007 |
| Assets per employee ($millions) | 20.0782% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9930% | 440 |
| Loan loss allowance to noncurrent loans | 96.8641% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.2859% | 3,182 |
| Noncurrent loans to loans | 2.0575% | 643 |
| Net loans and leases to total assets | 13.6178% | 4,996 |
| Net loans and leases to deposits | 17.5209% | 4,994 |
| Net loans and leases to core deposits | 17.7313% | 4,989 |
| Total domestic deposits to total assets | 77.7231% | 4,226 |
| Equity capital to assets | 21.5517% | 158 |
| Core capital (leverage) ratio | 20.0711% | 204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.2679% | 72 |
| Memoranda: | ||
| Average total assets | $101,618,000 | 3,972 |
| Average earning assets | $98,973,333 | 3,894 |
| Average equity | $20,396,333 | 3,141 |
| Average total loans | $14,401,667 | 4,875 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7983% | 5,001 |
| Cost of funding earning assets | 0.8832% | 1,956 |
| Net interest margin | 1.9150% | 5,034 |
| Noninterest income to average assets | 0.0078% | 5,047 |
| Noninterest expense to average assets | 0.6378% | 5,089 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2364% | 1,416 |
| Return on assets (ROA) | 1.2364% | 1,515 |
| Pretax return on assets | 1.2364% | 2,078 |
| Return on Equity (ROE) | 6.3914% | 3,178 |
| Retained earnings to average equity (ytd only) | 6.3914% | 1,753 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.0292% | 5,044 |
| Assets per employee ($millions) | 16.4172% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9041% | 600 |
| Loan loss allowance to noncurrent loans | 96.1938% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.2934% | 3,279 |
| Noncurrent loans to loans | 1.9795% | 724 |
| Net loans and leases to total assets | 14.5397% | 5,038 |
| Net loans and leases to deposits | 18.1165% | 5,037 |
| Net loans and leases to core deposits | 18.3308% | 5,037 |
| Total domestic deposits to total assets | 80.2564% | 3,813 |
| Equity capital to assets | 19.6431% | 264 |
| Core capital (leverage) ratio | 19.1917% | 268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.7978% | 125 |
| Memoranda: | ||
| Average total assets | $102,231,500 | 3,957 |
| Average earning assets | $99,632,500 | 3,880 |
| Average equity | $19,776,500 | 3,189 |
| Average total loans | $14,628,000 | 4,910 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9817% | 5,059 |
| Cost of funding earning assets | 0.7361% | 2,992 |
| Net interest margin | 2.2455% | 5,050 |
| Noninterest income to average assets | 0.0068% | 5,116 |
| Noninterest expense to average assets | 0.7956% | 5,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0876% | 2,491 |
| Return on assets (ROA) | 1.0745% | 2,646 |
| Pretax return on assets | 1.3748% | 2,248 |
| Return on Equity (ROE) | 4.5806% | 4,329 |
| Retained earnings to average equity (ytd only) | -20.3591% | 5,140 |
| Net charge-offs to loans | -0.9494% | 5,136 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.3798% | 5,104 |
| Assets per employee ($millions) | 21.1920% | 54 |
| Cash dividends to net income (ytd only)* | 544.4646% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8968% | 556 |
| Loan loss allowance to noncurrent loans | 514.8148% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 4,381 |
| Noncurrent loans to loans | 0.3684% | 3,126 |
| Net loans and leases to total assets | 13.5693% | 5,108 |
| Net loans and leases to deposits | 16.8613% | 5,108 |
| Net loans and leases to core deposits | 17.0446% | 5,105 |
| Total domestic deposits to total assets | 80.4757% | 3,881 |
| Equity capital to assets | 19.0676% | 296 |
| Core capital (leverage) ratio | 18.3207% | 315 |
| Tier 1 risk-based capital ratio | 54.3068% | 115 |
| Total risk-based capital ratio | 55.0942% | 117 |
| Memoranda: | ||
| Average total assets | $102,562,000 | 3,962 |
| Average earning assets | $99,575,000 | 3,880 |
| Average equity | $24,058,000 | 2,791 |
| Average total loans | $13,482,400 | 4,992 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0414% | 5,140 |
| Cost of funding earning assets | 0.7239% | 3,103 |
| Net interest margin | 2.3175% | 5,125 |
| Noninterest income to average assets | 0.0079% | 5,191 |
| Noninterest expense to average assets | 0.6672% | 5,234 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3071% | 1,828 |
| Return on assets (ROA) | 1.2899% | 1,979 |
| Pretax return on assets | 1.5691% | 1,739 |
| Return on Equity (ROE) | 5.2434% | 4,263 |
| Retained earnings to average equity (ytd only) | 5.2434% | 2,765 |
| Net charge-offs to loans | -1.2940% | 5,213 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.5587% | 5,214 |
| Assets per employee ($millions) | 17.7858% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9487% | 508 |
| Loan loss allowance to noncurrent loans | 1,544.4444% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 4,666 |
| Noncurrent loans to loans | 0.1262% | 4,085 |
| Net loans and leases to total assets | 13.1078% | 5,189 |
| Net loans and leases to deposits | 17.5687% | 5,185 |
| Net loans and leases to core deposits | 17.8918% | 5,180 |
| Total domestic deposits to total assets | 74.6090% | 4,776 |
| Equity capital to assets | 24.8034% | 130 |
| Core capital (leverage) ratio | 24.6318% | 125 |
| Tier 1 risk-based capital ratio | 59.2289% | 98 |
| Total risk-based capital ratio | 59.8861% | 98 |
| Memoranda: | ||
| Average total assets | $101,712,500 | 4,016 |
| Average earning assets | $98,724,750 | 3,931 |
| Average equity | $25,021,500 | 2,730 |
| Average total loans | $13,189,000 | 5,077 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0721% | 5,194 |
| Cost of funding earning assets | 0.7081% | 3,123 |
| Net interest margin | 2.3639% | 5,175 |
| Noninterest income to average assets | 0.0080% | 5,241 |
| Noninterest expense to average assets | 0.6577% | 5,284 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3273% | 1,668 |
| Return on assets (ROA) | 1.3014% | 1,831 |
| Pretax return on assets | 1.6073% | 1,528 |
| Return on Equity (ROE) | 5.3058% | 4,261 |
| Retained earnings to average equity (ytd only) | 5.3058% | 2,623 |
| Net charge-offs to loans | -1.9953% | 5,263 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.6336% | 5,262 |
| Assets per employee ($millions) | 16.8858% | 81 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1117% | 388 |
| Loan loss allowance to noncurrent loans | 1,208.6957% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 4,666 |
| Noncurrent loans to loans | 0.1747% | 3,930 |
| Net loans and leases to total assets | 12.7197% | 5,241 |
| Net loans and leases to deposits | 17.1472% | 5,233 |
| Net loans and leases to core deposits | 17.4189% | 5,231 |
| Total domestic deposits to total assets | 74.1795% | 4,821 |
| Equity capital to assets | 25.3654% | 118 |
| Core capital (leverage) ratio | 25.2717% | 114 |
| Tier 1 risk-based capital ratio | 62.0050% | 88 |
| Total risk-based capital ratio | 62.7022% | 87 |
| Memoranda: | ||
| Average total assets | $100,045,000 | 4,068 |
| Average earning assets | $96,873,000 | 3,992 |
| Average equity | $24,539,000 | 2,765 |
| Average total loans | $12,830,000 | 5,138 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0820% | 5,247 |
| Cost of funding earning assets | 0.6868% | 3,117 |
| Net interest margin | 2.3953% | 5,228 |
| Noninterest income to average assets | 0.0080% | 5,297 |
| Noninterest expense to average assets | 0.5834% | 5,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5576% | 990 |
| Return on assets (ROA) | 1.5612% | 1,007 |
| Pretax return on assets | 1.7302% | 1,141 |
| Return on Equity (ROE) | 6.4777% | 3,848 |
| Retained earnings to average equity (ytd only) | 6.4777% | 2,252 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.2613% | 5,332 |
| Assets per employee ($millions) | 16.3583% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 2,802 |
| Loan loss allowance to noncurrent loans | 48.3871% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 3,329 |
| Noncurrent loans to loans | 2.3929% | 558 |
| Net loans and leases to total assets | 13.0464% | 5,300 |
| Net loans and leases to deposits | 17.4358% | 5,293 |
| Net loans and leases to core deposits | 17.7185% | 5,290 |
| Total domestic deposits to total assets | 74.8253% | 4,872 |
| Equity capital to assets | 25.0117% | 117 |
| Core capital (leverage) ratio | 24.4429% | 121 |
| Tier 1 risk-based capital ratio | 66.1752% | 72 |
| Total risk-based capital ratio | 66.5810% | 74 |
| Memoranda: | ||
| Average total assets | $99,410,000 | 4,116 |
| Average earning assets | $95,521,500 | 4,051 |
| Average equity | $23,959,000 | 2,810 |
| Average total loans | $12,662,500 | 5,201 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2278% | 5,128 |
| Cost of funding earning assets | 0.6977% | 2,105 |
| Net interest margin | 2.5301% | 5,203 |
| Noninterest income to average assets | 0.0089% | 5,336 |
| Noninterest expense to average assets | 0.8967% | 5,364 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3707% | 1,531 |
| Return on assets (ROA) | 1.4435% | 1,289 |
| Pretax return on assets | 1.6307% | 1,376 |
| Return on Equity (ROE) | 6.2261% | 4,100 |
| Retained earnings to average equity (ytd only) | 2.4012% | 4,181 |
| Net charge-offs to loans | 0.2613% | 739 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 50.7097% | 1,125 |
| Efficiency ratio | 36.6640% | 5,323 |
| Assets per employee ($millions) | 16.7783% | 80 |
| Cash dividends to net income (ytd only)* | 61.4334% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 2,504 |
| Loan loss allowance to noncurrent loans | 220.5882% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 4,493 |
| Noncurrent loans to loans | 0.5497% | 2,626 |
| Net loans and leases to total assets | 12.1387% | 5,346 |
| Net loans and leases to deposits | 15.8239% | 5,339 |
| Net loans and leases to core deposits | 16.0667% | 5,337 |
| Total domestic deposits to total assets | 76.7110% | 4,675 |
| Equity capital to assets | 23.2135% | 142 |
| Core capital (leverage) ratio | 23.6682% | 134 |
| Tier 1 risk-based capital ratio | 64.8866% | 78 |
| Total risk-based capital ratio | 65.2910% | 80 |
| Memoranda: | ||
| Average total assets | $101,488,000 | 4,076 |
| Average earning assets | $97,744,400 | 4,011 |
| Average equity | $23,529,800 | 2,771 |
| Average total loans | $11,866,000 | 5,251 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2019% | 5,197 |
| Cost of funding earning assets | 0.6862% | 1,935 |
| Net interest margin | 2.5157% | 5,276 |
| Noninterest income to average assets | 0.0092% | 5,410 |
| Noninterest expense to average assets | 0.7696% | 5,446 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5241% | 1,137 |
| Return on assets (ROA) | 1.6232% | 917 |
| Pretax return on assets | 1.7805% | 1,058 |
| Return on Equity (ROE) | 7.0031% | 3,934 |
| Retained earnings to average equity (ytd only) | 7.0031% | 2,125 |
| Net charge-offs to loans | 0.0568% | 2,002 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 254.8666% | 363 |
| Efficiency ratio | 31.5252% | 5,424 |
| Assets per employee ($millions) | 16.9152% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4013% | 1,693 |
| Loan loss allowance to noncurrent loans | 158.5586% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.1094% | 4,421 |
| Noncurrent loans to loans | 0.8838% | 1,931 |
| Net loans and leases to total assets | 12.2021% | 5,418 |
| Net loans and leases to deposits | 15.8928% | 5,414 |
| Net loans and leases to core deposits | 17.2621% | 5,408 |
| Total domestic deposits to total assets | 76.7773% | 4,679 |
| Equity capital to assets | 23.1232% | 143 |
| Core capital (leverage) ratio | 24.1355% | 123 |
| Tier 1 risk-based capital ratio | 65.2428% | 76 |
| Total risk-based capital ratio | 65.7069% | 76 |
| Memoranda: | ||
| Average total assets | $101,692,500 | 4,113 |
| Average earning assets | $98,313,500 | 4,039 |
| Average equity | $23,570,000 | 2,777 |
| Average total loans | $11,740,000 | 5,319 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2237% | 5,207 |
| Cost of funding earning assets | 0.6882% | 1,694 |
| Net interest margin | 2.5355% | 5,320 |
| Noninterest income to average assets | 0.0157% | 5,463 |
| Noninterest expense to average assets | 0.7390% | 5,518 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6313% | 844 |
| Return on assets (ROA) | 1.7846% | 604 |
| Pretax return on assets | 1.8947% | 783 |
| Return on Equity (ROE) | 7.6936% | 3,629 |
| Retained earnings to average equity (ytd only) | 7.6936% | 1,758 |
| Net charge-offs to loans | 0.0872% | 1,469 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 176.2000% | 461 |
| Efficiency ratio | 29.9125% | 5,496 |
| Assets per employee ($millions) | 16.8547% | 71 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 1,441 |
| Loan loss allowance to noncurrent loans | 166.0377% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.1048% | 4,469 |
| Noncurrent loans to loans | 0.8948% | 1,931 |
| Net loans and leases to total assets | 11.5398% | 5,483 |
| Net loans and leases to deposits | 15.0664% | 5,482 |
| Net loans and leases to core deposits | 16.3718% | 5,478 |
| Total domestic deposits to total assets | 76.5930% | 4,787 |
| Equity capital to assets | 23.3041% | 138 |
| Core capital (leverage) ratio | 24.1680% | 124 |
| Tier 1 risk-based capital ratio | 66.7122% | 75 |
| Total risk-based capital ratio | 67.1931% | 76 |
| Memoranda: | ||
| Average total assets | $101,759,670 | 4,147 |
| Average earning assets | $98,521,670 | 4,076 |
| Average equity | $23,604,000 | 2,786 |
| Average total loans | $11,466,670 | 5,384 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2859% | 5,155 |
| Cost of funding earning assets | 0.6871% | 1,512 |
| Net interest margin | 2.5988% | 5,324 |
| Noninterest income to average assets | 0.0078% | 5,551 |
| Noninterest expense to average assets | 0.6858% | 5,584 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.9672% | 402 |
| Return on assets (ROA) | 2.1239% | 282 |
| Pretax return on assets | 1.9985% | 571 |
| Return on Equity (ROE) | 9.1777% | 2,817 |
| Retained earnings to average equity (ytd only) | 9.1777% | 1,402 |
| Net charge-offs to loans | 0.2128% | 699 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 78.3333% | 711 |
| Efficiency ratio | 27.1318% | 5,573 |
| Assets per employee ($millions) | 14.3997% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5058% | 1,444 |
| Loan loss allowance to noncurrent loans | 397.7273% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 4,889 |
| Noncurrent loans to loans | 0.3786% | 3,429 |
| Net loans and leases to total assets | 11.3564% | 5,549 |
| Net loans and leases to deposits | 14.8072% | 5,546 |
| Net loans and leases to core deposits | 16.1610% | 5,538 |
| Total domestic deposits to total assets | 76.6950% | 4,897 |
| Equity capital to assets | 23.2028% | 137 |
| Core capital (leverage) ratio | 23.5149% | 129 |
| Tier 1 risk-based capital ratio | 67.0814% | 67 |
| Total risk-based capital ratio | 67.5695% | 71 |
| Memoranda: | ||
| Average total assets | $102,075,500 | 4,190 |
| Average earning assets | $98,969,000 | 4,114 |
| Average equity | $23,622,500 | 2,810 |
| Average total loans | $11,277,000 | 5,445 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3728% | 4,976 |
| Cost of funding earning assets | 0.6982% | 1,030 |
| Net interest margin | 2.6746% | 5,293 |
| Noninterest income to average assets | 0.0098% | 5,599 |
| Noninterest expense to average assets | 0.8963% | 5,628 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3032% | 1,214 |
| Return on assets (ROA) | 1.4359% | 951 |
| Pretax return on assets | 1.8445% | 700 |
| Return on Equity (ROE) | 6.1141% | 3,712 |
| Retained earnings to average equity (ytd only) | 4.2412% | 2,617 |
| Net charge-offs to loans | -0.0188% | 4,942 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.8669% | 5,596 |
| Assets per employee ($millions) | 14.7647% | 100 |
| Cash dividends to net income (ytd only)* | 30.6331% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6557% | 1,022 |
| Loan loss allowance to noncurrent loans | 160.1770% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.1093% | 4,582 |
| Noncurrent loans to loans | 1.0337% | 1,720 |
| Net loans and leases to total assets | 10.4022% | 5,618 |
| Net loans and leases to deposits | 13.5800% | 5,620 |
| Net loans and leases to core deposits | 14.7888% | 5,615 |
| Total domestic deposits to total assets | 76.5996% | 4,905 |
| Equity capital to assets | 23.0830% | 130 |
| Core capital (leverage) ratio | 22.6426% | 130 |
| Tier 1 risk-based capital ratio | 64.4600% | 73 |
| Total risk-based capital ratio | 64.9564% | 73 |
| Memoranda: | ||
| Average total assets | $102,305,400 | 4,200 |
| Average earning assets | $97,960,000 | 4,133 |
| Average equity | $24,026,400 | 2,753 |
| Average total loans | $10,650,800 | 5,525 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3832% | 4,984 |
| Cost of funding earning assets | 0.7010% | 959 |
| Net interest margin | 2.6822% | 5,341 |
| Noninterest income to average assets | 0.0105% | 5,666 |
| Noninterest expense to average assets | 0.7343% | 5,707 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4981% | 899 |
| Return on assets (ROA) | 1.5549% | 815 |
| Pretax return on assets | 1.9050% | 679 |
| Return on Equity (ROE) | 6.5921% | 3,864 |
| Retained earnings to average equity (ytd only) | 6.5921% | 1,913 |
| Net charge-offs to loans | -0.0252% | 4,928 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.5714% | 5,697 |
| Assets per employee ($millions) | 14.9916% | 91 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6503% | 1,136 |
| Loan loss allowance to noncurrent loans | 116.7742% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 4,525 |
| Noncurrent loans to loans | 1.4132% | 1,320 |
| Net loans and leases to total assets | 10.2791% | 5,686 |
| Net loans and leases to deposits | 13.5570% | 5,688 |
| Net loans and leases to core deposits | 14.7571% | 5,681 |
| Total domestic deposits to total assets | 75.8217% | 5,040 |
| Equity capital to assets | 23.5389% | 125 |
| Core capital (leverage) ratio | 23.4416% | 119 |
| Tier 1 risk-based capital ratio | 64.7266% | 74 |
| Total risk-based capital ratio | 65.2214% | 75 |
| Memoranda: | ||
| Average total assets | $102,043,500 | 4,244 |
| Average earning assets | $97,379,750 | 4,181 |
| Average equity | $24,068,750 | 2,776 |
| Average total loans | $10,580,500 | 5,586 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4224% | 4,931 |
| Cost of funding earning assets | 0.7089% | 853 |
| Net interest margin | 2.7136% | 5,347 |
| Noninterest income to average assets | 0.0079% | 5,718 |
| Noninterest expense to average assets | 0.7262% | 5,759 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5634% | 764 |
| Return on assets (ROA) | 1.6324% | 667 |
| Pretax return on assets | 1.9628% | 573 |
| Return on Equity (ROE) | 6.9160% | 3,599 |
| Retained earnings to average equity (ytd only) | 6.9160% | 1,635 |
| Net charge-offs to loans | -0.0191% | 4,766 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.8664% | 5,748 |
| Assets per employee ($millions) | 14.5376% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7107% | 1,038 |
| Loan loss allowance to noncurrent loans | 163.6364% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 4,766 |
| Noncurrent loans to loans | 1.0454% | 1,876 |
| Net loans and leases to total assets | 10.1628% | 5,736 |
| Net loans and leases to deposits | 13.5370% | 5,736 |
| Net loans and leases to core deposits | 14.6870% | 5,730 |
| Total domestic deposits to total assets | 75.0744% | 5,196 |
| Equity capital to assets | 24.1679% | 111 |
| Core capital (leverage) ratio | 23.8172% | 116 |
| Tier 1 risk-based capital ratio | 71.0732% | 61 |
| Total risk-based capital ratio | 71.6220% | 62 |
| Memoranda: | ||
| Average total assets | $101,077,670 | 4,285 |
| Average earning assets | $96,773,000 | 4,219 |
| Average equity | $23,857,670 | 2,797 |
| Average total loans | $10,451,330 | 5,635 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4364% | 4,864 |
| Cost of funding earning assets | 0.7144% | 781 |
| Net interest margin | 2.7220% | 5,364 |
| Noninterest income to average assets | 0.0079% | 5,800 |
| Noninterest expense to average assets | 0.7108% | 5,830 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9298% | 346 |
| Return on assets (ROA) | 1.9616% | 338 |
| Pretax return on assets | 1.9616% | 547 |
| Return on Equity (ROE) | 8.4123% | 2,709 |
| Retained earnings to average equity (ytd only) | 8.4123% | 1,304 |
| Net charge-offs to loans | -0.0384% | 5,054 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.9173% | 5,814 |
| Assets per employee ($millions) | 14.2443% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7308% | 1,088 |
| Loan loss allowance to noncurrent loans | 310.3448% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 5,054 |
| Noncurrent loans to loans | 0.5577% | 3,130 |
| Net loans and leases to total assets | 10.2497% | 5,804 |
| Net loans and leases to deposits | 13.5650% | 5,802 |
| Net loans and leases to core deposits | 14.7341% | 5,795 |
| Total domestic deposits to total assets | 75.5601% | 5,278 |
| Equity capital to assets | 23.8742% | 118 |
| Core capital (leverage) ratio | 22.9934% | 124 |
| Tier 1 risk-based capital ratio | 67.0313% | 71 |
| Total risk-based capital ratio | 67.5563% | 73 |
| Memoranda: | ||
| Average total assets | $100,735,000 | 4,335 |
| Average earning assets | $97,428,000 | 4,247 |
| Average equity | $23,489,500 | 2,842 |
| Average total loans | $10,416,000 | 5,700 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3835% | 5,016 |
| Cost of funding earning assets | 0.7205% | 742 |
| Net interest margin | 2.6630% | 5,458 |
| Noninterest income to average assets | 0.0114% | 5,836 |
| Noninterest expense to average assets | 0.8614% | 5,873 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.4213% | 971 |
| Return on assets (ROA) | 1.4613% | 922 |
| Pretax return on assets | 1.7057% | 988 |
| Return on Equity (ROE) | 6.2691% | 3,860 |
| Retained earnings to average equity (ytd only) | 2.5982% | 4,041 |
| Net charge-offs to loans | 0.1452% | 1,809 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 124.6429% | 488 |
| Efficiency ratio | 34.1758% | 5,848 |
| Assets per employee ($millions) | 14.5371% | 94 |
| Cash dividends to net income (ytd only)* | 58.5556% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7159% | 1,112 |
| Loan loss allowance to noncurrent loans | 436.5854% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 5,194 |
| Noncurrent loans to loans | 0.3930% | 3,736 |
| Net loans and leases to total assets | 10.0757% | 5,861 |
| Net loans and leases to deposits | 13.1301% | 5,862 |
| Net loans and leases to core deposits | 14.4057% | 5,854 |
| Total domestic deposits to total assets | 76.7374% | 5,151 |
| Equity capital to assets | 22.7732% | 130 |
| Core capital (leverage) ratio | 21.9960% | 138 |
| Tier 1 risk-based capital ratio | 63.8999% | 75 |
| Total risk-based capital ratio | 64.4085% | 75 |
| Memoranda: | ||
| Average total assets | $105,178,600 | 4,252 |
| Average earning assets | $99,099,800 | 4,224 |
| Average equity | $24,517,200 | 2,758 |
| Average total loans | $9,640,600 | 5,774 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3746% | 5,071 |
| Cost of funding earning assets | 0.7262% | 712 |
| Net interest margin | 2.6484% | 5,548 |
| Noninterest income to average assets | 0.0113% | 5,905 |
| Noninterest expense to average assets | 0.7293% | 5,954 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6174% | 705 |
| Return on assets (ROA) | 1.6359% | 714 |
| Pretax return on assets | 1.7830% | 925 |
| Return on Equity (ROE) | 6.9795% | 3,568 |
| Retained earnings to average equity (ytd only) | 6.9795% | 1,638 |
| Net charge-offs to loans | 0.1977% | 1,183 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 100.1227% | 656 |
| Efficiency ratio | 29.2634% | 5,937 |
| Assets per employee ($millions) | 15.0727% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7656% | 1,077 |
| Loan loss allowance to noncurrent loans | 116.9935% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.1450% | 4,857 |
| Noncurrent loans to loans | 1.5092% | 1,432 |
| Net loans and leases to total assets | 9.4390% | 5,934 |
| Net loans and leases to deposits | 12.6852% | 5,933 |
| Net loans and leases to core deposits | 13.6783% | 5,923 |
| Total domestic deposits to total assets | 74.4098% | 5,393 |
| Equity capital to assets | 24.2614% | 117 |
| Core capital (leverage) ratio | 22.8447% | 125 |
| Tier 1 risk-based capital ratio | 59.4698% | 85 |
| Total risk-based capital ratio | 59.9296% | 90 |
| Memoranda: | ||
| Average total assets | $106,033,250 | 4,279 |
| Average earning assets | $99,326,750 | 4,251 |
| Average equity | $24,853,000 | 2,757 |
| Average total loans | $9,442,750 | 5,842 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3614% | 5,159 |
| Cost of funding earning assets | 0.7315% | 688 |
| Net interest margin | 2.6299% | 5,639 |
| Noninterest income to average assets | 0.0132% | 5,980 |
| Noninterest expense to average assets | 0.7570% | 6,028 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6447% | 650 |
| Return on assets (ROA) | 1.6628% | 664 |
| Pretax return on assets | 1.7324% | 1,021 |
| Return on Equity (ROE) | 7.1775% | 3,440 |
| Retained earnings to average equity (ytd only) | 7.1775% | 1,521 |
| Net charge-offs to loans | 0.2171% | 1,076 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 627 |
| Efficiency ratio | 30.6402% | 6,009 |
| Assets per employee ($millions) | 15.1580% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8596% | 961 |
| Loan loss allowance to noncurrent loans | 122.8188% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 4,947 |
| Noncurrent loans to loans | 1.5141% | 1,446 |
| Net loans and leases to total assets | 9.1022% | 6,011 |
| Net loans and leases to deposits | 12.2239% | 6,010 |
| Net loans and leases to core deposits | 13.1744% | 6,001 |
| Total domestic deposits to total assets | 74.4623% | 5,472 |
| Equity capital to assets | 24.0684% | 113 |
| Core capital (leverage) ratio | 22.4084% | 126 |
| Tier 1 risk-based capital ratio | 58.9217% | 93 |
| Total risk-based capital ratio | 59.3961% | 96 |
| Memoranda: | ||
| Average total assets | $106,208,000 | 4,306 |
| Average earning assets | $99,243,330 | 4,285 |
| Average equity | $24,604,670 | 2,776 |
| Average total loans | $9,211,000 | 5,920 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1775% | 5,520 |
| Cost of funding earning assets | 0.7410% | 664 |
| Net interest margin | 2.4365% | 5,858 |
| Noninterest income to average assets | 0.0151% | 6,043 |
| Noninterest expense to average assets | 0.7679% | 6,092 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5170% | 829 |
| Return on assets (ROA) | 1.5396% | 834 |
| Pretax return on assets | 1.5472% | 1,446 |
| Return on Equity (ROE) | 6.7777% | 3,573 |
| Retained earnings to average equity (ytd only) | 6.7777% | 1,989 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.4975% | 6,052 |
| Assets per employee ($millions) | 17.6255% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1598% | 626 |
| Loan loss allowance to noncurrent loans | 78.7755% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 0.2317% | 4,633 |
| Noncurrent loans to loans | 2.7417% | 637 |
| Net loans and leases to total assets | 8.2674% | 6,076 |
| Net loans and leases to deposits | 10.9441% | 6,074 |
| Net loans and leases to core deposits | 11.8424% | 6,065 |
| Total domestic deposits to total assets | 75.5421% | 5,465 |
| Equity capital to assets | 23.2079% | 121 |
| Core capital (leverage) ratio | 21.5973% | 144 |
| Tier 1 risk-based capital ratio | 60.0151% | 88 |
| Total risk-based capital ratio | 60.5355% | 90 |
| Memoranda: | ||
| Average total assets | $106,259,000 | 4,339 |
| Average earning assets | $99,323,500 | 4,312 |
| Average equity | $24,138,000 | 2,819 |
| Average total loans | $8,896,000 | 5,984 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3717% | 5,219 |
| Cost of funding earning assets | 0.7214% | 730 |
| Net interest margin | 2.6503% | 5,706 |
| Noninterest income to average assets | 0.0136% | 6,080 |
| Noninterest expense to average assets | 0.7398% | 6,148 |
| Loan and lease loss provision to assets | 0.0437% | 3,453 |
| Net operating income to assets | 1.4699% | 916 |
| Return on assets (ROA) | 1.5973% | 730 |
| Pretax return on assets | 1.8997% | 657 |
| Return on Equity (ROE) | 6.9297% | 3,544 |
| Retained earnings to average equity (ytd only) | 3.1338% | 3,823 |
| Net charge-offs to loans | -0.0362% | 5,466 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.2243% | 6,141 |
| Assets per employee ($millions) | 15.2521% | 77 |
| Cash dividends to net income (ytd only)* | 54.7778% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1793% | 612 |
| Loan loss allowance to noncurrent loans | 62.8664% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 0.2875% | 4,438 |
| Noncurrent loans to loans | 3.4666% | 410 |
| Net loans and leases to total assets | 8.1141% | 6,136 |
| Net loans and leases to deposits | 10.5698% | 6,137 |
| Net loans and leases to core deposits | 11.4137% | 6,125 |
| Total domestic deposits to total assets | 76.7667% | 5,354 |
| Equity capital to assets | 22.2292% | 138 |
| Core capital (leverage) ratio | 21.1704% | 155 |
| Tier 1 risk-based capital ratio | 56.2246% | 99 |
| Total risk-based capital ratio | 56.7212% | 103 |
| Memoranda: | ||
| Average total assets | $102,859,600 | 4,408 |
| Average earning assets | $97,724,800 | 4,344 |
| Average equity | $23,709,600 | 2,808 |
| Average total loans | $8,281,200 | 6,054 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3951% | 5,217 |
| Cost of funding earning assets | 0.7187% | 762 |
| Net interest margin | 2.6764% | 5,749 |
| Noninterest income to average assets | 0.0144% | 6,164 |
| Noninterest expense to average assets | 0.6020% | 6,246 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7355% | 583 |
| Return on assets (ROA) | 1.9172% | 432 |
| Pretax return on assets | 2.1606% | 450 |
| Return on Equity (ROE) | 8.2404% | 2,947 |
| Retained earnings to average equity (ytd only) | 8.2404% | 1,142 |
| Net charge-offs to loans | -0.0328% | 5,393 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.5294% | 6,243 |
| Assets per employee ($millions) | 14.7081% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7749% | 1,313 |
| Loan loss allowance to noncurrent loans | 47.8827% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 0.2982% | 4,575 |
| Noncurrent loans to loans | 3.7068% | 390 |
| Net loans and leases to total assets | 7.9014% | 6,224 |
| Net loans and leases to deposits | 10.4772% | 6,223 |
| Net loans and leases to core deposits | 11.3072% | 6,214 |
| Total domestic deposits to total assets | 75.4150% | 5,584 |
| Equity capital to assets | 23.6001% | 119 |
| Core capital (leverage) ratio | 22.7524% | 122 |
| Tier 1 risk-based capital ratio | 66.9395% | 79 |
| Total risk-based capital ratio | 67.3754% | 80 |
| Memoranda: | ||
| Average total assets | $101,883,250 | 4,472 |
| Average earning assets | $96,843,750 | 4,415 |
| Average equity | $23,703,750 | 2,833 |
| Average total loans | $8,137,500 | 6,141 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3552% | 5,323 |
| Cost of funding earning assets | 0.7119% | 796 |
| Net interest margin | 2.6433% | 5,835 |
| Noninterest income to average assets | 0.0138% | 6,238 |
| Noninterest expense to average assets | 0.6205% | 6,319 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.6127% | 726 |
| Return on assets (ROA) | 1.8675% | 477 |
| Pretax return on assets | 2.2201% | 398 |
| Return on Equity (ROE) | 8.0661% | 3,016 |
| Retained earnings to average equity (ytd only) | 8.0661% | 1,240 |
| Net charge-offs to loans | -0.0247% | 5,245 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.4565% | 6,317 |
| Assets per employee ($millions) | 14.3417% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8036% | 1,361 |
| Loan loss allowance to noncurrent loans | 76.0417% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 0.1913% | 5,102 |
| Noncurrent loans to loans | 2.3718% | 974 |
| Net loans and leases to total assets | 7.9180% | 6,299 |
| Net loans and leases to deposits | 10.4122% | 6,297 |
| Net loans and leases to core deposits | 11.2524% | 6,286 |
| Total domestic deposits to total assets | 76.0449% | 5,594 |
| Equity capital to assets | 23.2140% | 122 |
| Core capital (leverage) ratio | 22.6575% | 124 |
| Tier 1 risk-based capital ratio | 66.6596% | 83 |
| Total risk-based capital ratio | 67.1009% | 83 |
| Memoranda: | ||
| Average total assets | $101,525,330 | 4,522 |
| Average earning assets | $96,923,000 | 4,446 |
| Average equity | $23,505,670 | 2,862 |
| Average total loans | $8,089,330 | 6,214 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4613% | 5,061 |
| Cost of funding earning assets | 0.7078% | 830 |
| Net interest margin | 2.7535% | 5,737 |
| Noninterest income to average assets | 0.0118% | 6,307 |
| Noninterest expense to average assets | 0.6426% | 6,394 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.0295% | 323 |
| Return on assets (ROA) | 2.4997% | 165 |
| Pretax return on assets | 2.4762% | 255 |
| Return on Equity (ROE) | 10.8108% | 1,688 |
| Retained earnings to average equity (ytd only) | 10.8108% | 751 |
| Net charge-offs to loans | -0.0495% | 5,507 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.2604% | 6,390 |
| Assets per employee ($millions) | 14.3883% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5988% | 2,055 |
| Loan loss allowance to noncurrent loans | 91.8239% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 5,325 |
| Noncurrent loans to loans | 1.7411% | 1,564 |
| Net loans and leases to total assets | 8.9219% | 6,368 |
| Net loans and leases to deposits | 11.8647% | 6,367 |
| Net loans and leases to core deposits | 12.7756% | 6,355 |
| Total domestic deposits to total assets | 75.1971% | 5,812 |
| Equity capital to assets | 23.6313% | 116 |
| Core capital (leverage) ratio | 22.1639% | 132 |
| Tier 1 risk-based capital ratio | 64.7096% | 92 |
| Total risk-based capital ratio | 65.1440% | 96 |
| Memoranda: | ||
| Average total assets | $102,092,000 | 4,553 |
| Average earning assets | $97,767,500 | 4,466 |
| Average equity | $23,606,000 | 2,870 |
| Average total loans | $8,086,500 | 6,281 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6459% | 4,946 |
| Cost of funding earning assets | 0.7337% | 930 |
| Net interest margin | 2.9122% | 5,616 |
| Noninterest income to average assets | 0.0138% | 6,367 |
| Noninterest expense to average assets | 0.7978% | 6,471 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.9128% | 385 |
| Return on assets (ROA) | 1.8162% | 480 |
| Pretax return on assets | 1.8459% | 719 |
| Return on Equity (ROE) | 7.7123% | 3,267 |
| Retained earnings to average equity (ytd only) | 3.6579% | 3,618 |
| Net charge-offs to loans | -0.0133% | 5,619 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.0909% | 6,467 |
| Assets per employee ($millions) | 14.7809% | 80 |
| Cash dividends to net income (ytd only)* | 52.5701% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0594% | 1,012 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 6.6650% | 6,461 |
| Net loans and leases to deposits | 8.7554% | 6,461 |
| Net loans and leases to core deposits | 9.3998% | 6,450 |
| Total domestic deposits to total assets | 76.1245% | 5,714 |
| Equity capital to assets | 22.6268% | 139 |
| Core capital (leverage) ratio | 22.1973% | 138 |
| Tier 1 risk-based capital ratio | 65.1934% | 79 |
| Total risk-based capital ratio | 65.6412% | 80 |
| Memoranda: | ||
| Average total assets | $94,264,800 | 4,749 |
| Average earning assets | $88,318,800 | 4,694 |
| Average equity | $22,198,400 | 2,929 |
| Average total loans | $7,534,400 | 6,384 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7518% | 4,708 |
| Cost of funding earning assets | 0.7476% | 898 |
| Net interest margin | 3.0042% | 5,497 |
| Noninterest income to average assets | 0.0130% | 6,454 |
| Noninterest expense to average assets | 0.6133% | 6,566 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.2443% | 216 |
| Return on assets (ROA) | 2.1443% | 274 |
| Pretax return on assets | 2.1022% | 456 |
| Return on Equity (ROE) | 9.0063% | 2,683 |
| Retained earnings to average equity (ytd only) | 9.0063% | 1,004 |
| Net charge-offs to loans | 0.0174% | 4,185 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1,522.7669% | 36 |
| Efficiency ratio | 21.7817% | 6,567 |
| Assets per employee ($millions) | 15.6123% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9828% | 1,289 |
| Loan loss allowance to noncurrent loans | 461.2903% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 6,037 |
| Noncurrent loans to loans | 0.4298% | 4,614 |
| Net loans and leases to total assets | 7.5464% | 6,540 |
| Net loans and leases to deposits | 10.1570% | 6,539 |
| Net loans and leases to core deposits | 10.8425% | 6,529 |
| Total domestic deposits to total assets | 74.2970% | 5,993 |
| Equity capital to assets | 24.7667% | 100 |
| Core capital (leverage) ratio | 24.1584% | 100 |
| Tier 1 risk-based capital ratio | 69.4545% | 71 |
| Total risk-based capital ratio | 69.9107% | 72 |
| Memoranda: | ||
| Average total assets | $91,964,500 | 4,842 |
| Average earning assets | $85,788,750 | 4,792 |
| Average equity | $21,895,250 | 2,960 |
| Average total loans | $7,657,750 | 6,457 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7828% | 4,586 |
| Cost of funding earning assets | 0.7496% | 923 |
| Net interest margin | 3.0333% | 5,438 |
| Noninterest income to average assets | 0.0131% | 6,529 |
| Noninterest expense to average assets | 0.6762% | 6,626 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.0269% | 319 |
| Return on assets (ROA) | 1.8885% | 430 |
| Pretax return on assets | 2.0308% | 525 |
| Return on Equity (ROE) | 8.0427% | 3,067 |
| Retained earnings to average equity (ytd only) | 8.0427% | 1,316 |
| Net charge-offs to loans | 0.1025% | 2,657 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 249.0000% | 267 |
| Efficiency ratio | 23.6782% | 6,631 |
| Assets per employee ($millions) | 15.3130% | 75 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7557% | 1,964 |
| Loan loss allowance to noncurrent loans | 42.8135% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 0.3559% | 4,959 |
| Noncurrent loans to loans | 4.1008% | 570 |
| Net loans and leases to total assets | 8.5265% | 6,605 |
| Net loans and leases to deposits | 11.4217% | 6,604 |
| Net loans and leases to core deposits | 12.2046% | 6,594 |
| Total domestic deposits to total assets | 74.6523% | 6,050 |
| Equity capital to assets | 24.3714% | 104 |
| Core capital (leverage) ratio | 24.0418% | 98 |
| Tier 1 risk-based capital ratio | 65.9518% | 79 |
| Total risk-based capital ratio | 66.3882% | 82 |
| Memoranda: | ||
| Average total assets | $91,394,670 | 4,893 |
| Average earning assets | $85,650,330 | 4,834 |
| Average equity | $21,460,330 | 3,002 |
| Average total loans | $7,806,330 | 6,515 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8353% | 4,338 |
| Cost of funding earning assets | 0.7643% | 907 |
| Net interest margin | 3.0710% | 5,334 |
| Noninterest income to average assets | 0.0132% | 6,584 |
| Noninterest expense to average assets | 0.7372% | 6,705 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.9903% | 345 |
| Return on assets (ROA) | 1.7158% | 579 |
| Pretax return on assets | 1.8694% | 697 |
| Return on Equity (ROE) | 7.4496% | 3,237 |
| Retained earnings to average equity (ytd only) | 7.4496% | 1,843 |
| Net charge-offs to loans | 0.4662% | 776 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 54.8889% | 704 |
| Efficiency ratio | 25.3776% | 6,695 |
| Assets per employee ($millions) | 15.0027% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6915% | 2,382 |
| Loan loss allowance to noncurrent loans | 41.2844% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 0.3633% | 5,073 |
| Noncurrent loans to loans | 4.0972% | 644 |
| Net loans and leases to total assets | 8.7162% | 6,675 |
| Net loans and leases to deposits | 11.6043% | 6,671 |
| Net loans and leases to core deposits | 12.4120% | 6,661 |
| Total domestic deposits to total assets | 75.1122% | 6,146 |
| Equity capital to assets | 24.0457% | 112 |
| Core capital (leverage) ratio | 23.1625% | 116 |
| Tier 1 risk-based capital ratio | 63.3200% | 81 |
| Total risk-based capital ratio | 63.7332% | 84 |
| Memoranda: | ||
| Average total assets | $91,153,000 | 4,935 |
| Average earning assets | $85,834,500 | 4,869 |
| Average equity | $20,994,500 | 3,057 |
| Average total loans | $7,722,500 | 6,584 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0181% | 4,029 |
| Cost of funding earning assets | 0.8159% | 1,116 |
| Net interest margin | 3.2023% | 4,993 |
| Noninterest income to average assets | 0.0130% | 6,625 |
| Noninterest expense to average assets | 0.9455% | 6,756 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.7138% | 566 |
| Return on assets (ROA) | 1.7534% | 543 |
| Pretax return on assets | 2.1205% | 370 |
| Return on Equity (ROE) | 7.5853% | 3,256 |
| Retained earnings to average equity (ytd only) | 5.4770% | 2,289 |
| Net charge-offs to loans | -0.0437% | 6,302 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.3240% | 6,758 |
| Assets per employee ($millions) | 13.1843% | 110 |
| Cash dividends to net income (ytd only)* | 27.7949% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9293% | 1,714 |
| Loan loss allowance to noncurrent loans | 58.2996% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 0.2676% | 5,457 |
| Noncurrent loans to loans | 3.3092% | 985 |
| Net loans and leases to total assets | 7.9315% | 6,758 |
| Net loans and leases to deposits | 10.2128% | 6,759 |
| Net loans and leases to core deposits | 10.8807% | 6,749 |
| Total domestic deposits to total assets | 77.6628% | 5,876 |
| Equity capital to assets | 22.0436% | 141 |
| Core capital (leverage) ratio | 22.4467% | 128 |
| Tier 1 risk-based capital ratio | 61.2827% | 85 |
| Total risk-based capital ratio | 61.7175% | 87 |
| Memoranda: | ||
| Average total assets | $92,336,400 | 4,924 |
| Average earning assets | $86,656,800 | 4,863 |
| Average equity | $21,343,800 | 2,996 |
| Average total loans | $6,868,200 | 6,689 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8559% | 4,652 |
| Cost of funding earning assets | 0.8235% | 1,197 |
| Net interest margin | 3.0324% | 5,512 |
| Noninterest income to average assets | 0.0130% | 6,714 |
| Noninterest expense to average assets | 0.6829% | 6,858 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.6506% | 681 |
| Return on assets (ROA) | 1.6517% | 716 |
| Pretax return on assets | 2.1917% | 398 |
| Return on Equity (ROE) | 7.0636% | 3,609 |
| Retained earnings to average equity (ytd only) | 7.0636% | 1,842 |
| Net charge-offs to loans | -0.0198% | 6,039 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.7688% | 6,860 |
| Assets per employee ($millions) | 12.8750% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8709% | 2,084 |
| Loan loss allowance to noncurrent loans | 28.0632% | 6,051 |
| Noncurrent assets plus other real estate owned to assets | 0.5614% | 4,769 |
| Noncurrent loans to loans | 6.6667% | 330 |
| Net loans and leases to total assets | 8.2641% | 6,839 |
| Net loans and leases to deposits | 10.6014% | 6,838 |
| Net loans and leases to core deposits | 10.6621% | 6,831 |
| Total domestic deposits to total assets | 77.9528% | 5,912 |
| Equity capital to assets | 21.9240% | 148 |
| Core capital (leverage) ratio | 22.5953% | 120 |
| Tier 1 risk-based capital ratio | 59.2759% | 94 |
| Total risk-based capital ratio | 59.6912% | 97 |
| Memoranda: | ||
| Average total assets | $92,348,000 | 4,968 |
| Average earning assets | $87,102,750 | 4,896 |
| Average equity | $21,593,750 | 3,006 |
| Average total loans | $6,719,250 | 6,771 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7693% | 4,929 |
| Cost of funding earning assets | 0.8209% | 1,301 |
| Net interest margin | 2.9484% | 5,700 |
| Noninterest income to average assets | 0.0064% | 6,776 |
| Noninterest expense to average assets | 0.6854% | 6,908 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4474% | 990 |
| Return on assets (ROA) | 1.4459% | 1,071 |
| Pretax return on assets | 2.0969% | 496 |
| Return on Equity (ROE) | 6.0616% | 4,136 |
| Retained earnings to average equity (ytd only) | 6.0616% | 2,399 |
| Net charge-offs to loans | 0.1244% | 3,130 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 244.2500% | 215 |
| Efficiency ratio | 24.6142% | 6,905 |
| Assets per employee ($millions) | 13.1391% | 109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0436% | 1,757 |
| Loan loss allowance to noncurrent loans | 31.0658% | 5,974 |
| Noncurrent assets plus other real estate owned to assets | 0.4795% | 5,072 |
| Noncurrent loans to loans | 6.5782% | 394 |
| Net loans and leases to total assets | 7.1401% | 6,889 |
| Net loans and leases to deposits | 9.5225% | 6,891 |
| Net loans and leases to core deposits | 9.5781% | 6,883 |
| Total domestic deposits to total assets | 74.9810% | 6,362 |
| Equity capital to assets | 23.5599% | 106 |
| Core capital (leverage) ratio | 22.5707% | 117 |
| Tier 1 risk-based capital ratio | 63.8698% | 78 |
| Total risk-based capital ratio | 64.3118% | 80 |
| Memoranda: | ||
| Average total assets | $93,089,000 | 4,983 |
| Average earning assets | $87,708,330 | 4,910 |
| Average equity | $22,205,330 | 2,961 |
| Average total loans | $6,429,000 | 6,828 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7178% | 5,102 |
| Cost of funding earning assets | 0.8202% | 1,419 |
| Net interest margin | 2.8976% | 5,824 |
| Noninterest income to average assets | 0.0128% | 6,822 |
| Noninterest expense to average assets | 0.6108% | 6,990 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.8111% | 471 |
| Return on assets (ROA) | 1.8111% | 521 |
| Pretax return on assets | 2.1485% | 454 |
| Return on Equity (ROE) | 7.5467% | 3,196 |
| Retained earnings to average equity (ytd only) | 7.5467% | 1,923 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.1362% | 6,986 |
| Assets per employee ($millions) | 15.5340% | 81 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2849% | 1,437 |
| Loan loss allowance to noncurrent loans | 31.2639% | 5,983 |
| Noncurrent assets plus other real estate owned to assets | 0.4839% | 5,173 |
| Noncurrent loans to loans | 7.3084% | 388 |
| Net loans and leases to total assets | 6.4697% | 6,968 |
| Net loans and leases to deposits | 8.7253% | 6,969 |
| Net loans and leases to core deposits | 8.7761% | 6,960 |
| Total domestic deposits to total assets | 74.1481% | 6,528 |
| Equity capital to assets | 23.9196% | 107 |
| Core capital (leverage) ratio | 21.9885% | 133 |
| Tier 1 risk-based capital ratio | 63.9516% | 84 |
| Total risk-based capital ratio | 64.4128% | 85 |
| Memoranda: | ||
| Average total assets | $93,646,500 | 5,007 |
| Average earning assets | $88,762,500 | 4,916 |
| Average equity | $22,473,500 | 2,983 |
| Average total loans | $6,291,500 | 6,905 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1499% | 4,773 |
| Cost of funding earning assets | 1.2173% | 537 |
| Net interest margin | 2.9326% | 6,171 |
| Noninterest income to average assets | -0.0083% | 6,845 |
| Noninterest expense to average assets | 0.7372% | 7,036 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.6057% | 749 |
| Return on assets (ROA) | 2.3883% | 198 |
| Pretax return on assets | 3.0434% | 140 |
| Return on Equity (ROE) | 10.6772% | 1,913 |
| Retained earnings to average equity (ytd only) | 6.4937% | 1,825 |
| Net charge-offs to loans | -0.4663% | 6,999 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.5444% | 7,033 |
| Assets per employee ($millions) | 15.6815% | 83 |
| Cash dividends to net income (ytd only)* | 39.1815% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1990% | 1,552 |
| Loan loss allowance to noncurrent loans | 30.1927% | 6,056 |
| Noncurrent assets plus other real estate owned to assets | 0.4963% | 5,232 |
| Noncurrent loans to loans | 7.2832% | 425 |
| Net loans and leases to total assets | 6.6650% | 7,023 |
| Net loans and leases to deposits | 9.0676% | 7,026 |
| Net loans and leases to core deposits | 9.1204% | 7,019 |
| Total domestic deposits to total assets | 73.5027% | 6,580 |
| Equity capital to assets | 24.0761% | 109 |
| Core capital (leverage) ratio | 21.1536% | 158 |
| Tier 1 risk-based capital ratio | 63.1951% | 87 |
| Total risk-based capital ratio | 63.6610% | 89 |
| Memoranda: | ||
| Average total assets | $96,176,000 | 4,933 |
| Average earning assets | $91,351,600 | 4,829 |
| Average equity | $21,513,200 | 3,041 |
| Average total loans | $6,648,200 | 6,964 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2173% | 4,756 |
| Cost of funding earning assets | 1.3068% | 423 |
| Net interest margin | 2.9105% | 6,335 |
| Noninterest income to average assets | -0.0138% | 6,966 |
| Noninterest expense to average assets | 0.5695% | 7,150 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.6688% | 738 |
| Return on assets (ROA) | 2.2420% | 294 |
| Pretax return on assets | 2.9411% | 164 |
| Return on Equity (ROE) | 10.2126% | 2,245 |
| Retained earnings to average equity (ytd only) | 10.2126% | 864 |
| Net charge-offs to loans | -0.5765% | 7,099 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.6603% | 7,152 |
| Assets per employee ($millions) | 15.7405% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1260% | 1,854 |
| Loan loss allowance to noncurrent loans | 27.5794% | 6,234 |
| Noncurrent assets plus other real estate owned to assets | 0.5337% | 5,345 |
| Noncurrent loans to loans | 7.7088% | 426 |
| Net loans and leases to total assets | 6.7755% | 7,129 |
| Net loans and leases to deposits | 9.1124% | 7,132 |
| Net loans and leases to core deposits | 9.2073% | 7,124 |
| Total domestic deposits to total assets | 74.3549% | 6,572 |
| Equity capital to assets | 23.5454% | 128 |
| Core capital (leverage) ratio | 20.7658% | 179 |
| Tier 1 risk-based capital ratio | 64.8474% | 85 |
| Total risk-based capital ratio | 65.3131% | 85 |
| Memoranda: | ||
| Average total assets | $96,697,750 | 4,970 |
| Average earning assets | $92,030,750 | 4,846 |
| Average equity | $21,228,250 | 3,100 |
| Average total loans | $6,707,250 | 7,055 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2819% | 4,640 |
| Cost of funding earning assets | 1.3463% | 434 |
| Net interest margin | 2.9356% | 6,367 |
| Noninterest income to average assets | -0.0246% | 7,030 |
| Noninterest expense to average assets | 0.5685% | 7,215 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6809% | 700 |
| Return on assets (ROA) | 2.4998% | 204 |
| Pretax return on assets | 3.2858% | 127 |
| Return on Equity (ROE) | 11.6600% | 1,784 |
| Retained earnings to average equity (ytd only) | 11.6600% | 635 |
| Net charge-offs to loans | -0.7097% | 7,166 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.4730% | 7,215 |
| Assets per employee ($millions) | 16.3622% | 68 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0634% | 2,069 |
| Loan loss allowance to noncurrent loans | 29.9107% | 6,163 |
| Noncurrent assets plus other real estate owned to assets | 0.4563% | 5,641 |
| Noncurrent loans to loans | 6.8987% | 573 |
| Net loans and leases to total assets | 6.4784% | 7,193 |
| Net loans and leases to deposits | 8.6293% | 7,197 |
| Net loans and leases to core deposits | 8.7150% | 7,190 |
| Total domestic deposits to total assets | 75.0736% | 6,581 |
| Equity capital to assets | 22.6855% | 137 |
| Core capital (leverage) ratio | 20.0332% | 203 |
| Tier 1 risk-based capital ratio | 54.6354% | 113 |
| Total risk-based capital ratio | 55.0218% | 116 |
| Memoranda: | ||
| Average total assets | $97,449,330 | 4,968 |
| Average earning assets | $92,996,330 | 4,849 |
| Average equity | $20,892,000 | 3,119 |
| Average total loans | $6,763,670 | 7,111 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2581% | 4,896 |
| Cost of funding earning assets | 1.3431% | 530 |
| Net interest margin | 2.9150% | 6,466 |
| Noninterest income to average assets | 0.0206% | 7,046 |
| Noninterest expense to average assets | 0.5109% | 7,282 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7048% | 709 |
| Return on assets (ROA) | 1.7139% | 781 |
| Pretax return on assets | 2.3031% | 453 |
| Return on Equity (ROE) | 8.2366% | 3,179 |
| Retained earnings to average equity (ytd only) | 8.2366% | 1,886 |
| Net charge-offs to loans | -1.3336% | 7,235 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.2353% | 7,279 |
| Assets per employee ($millions) | 16.2545% | 75 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0271% | 2,279 |
| Loan loss allowance to noncurrent loans | 49.2593% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 6,196 |
| Noncurrent loans to loans | 4.1152% | 1,473 |
| Net loans and leases to total assets | 6.5910% | 7,254 |
| Net loans and leases to deposits | 8.5300% | 7,258 |
| Net loans and leases to core deposits | 8.6121% | 7,249 |
| Total domestic deposits to total assets | 77.2689% | 6,357 |
| Equity capital to assets | 20.9819% | 182 |
| Core capital (leverage) ratio | 19.2786% | 231 |
| Tier 1 risk-based capital ratio | 40.5475% | 222 |
| Total risk-based capital ratio | 40.8447% | 233 |
| Memoranda: | ||
| Average total assets | $97,087,500 | 5,016 |
| Average earning assets | $92,623,000 | 4,887 |
| Average equity | $20,202,500 | 3,203 |
| Average total loans | $6,898,500 | 7,167 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8655% | 3,522 |
| Cost of funding earning assets | 1.4863% | 754 |
| Net interest margin | 3.3792% | 5,549 |
| Noninterest income to average assets | 0.0117% | 6,949 |
| Noninterest expense to average assets | 0.7214% | 7,315 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.9678% | 330 |
| Return on assets (ROA) | 2.2829% | 206 |
| Pretax return on assets | 2.8897% | 137 |
| Return on Equity (ROE) | 11.7352% | 1,482 |
| Retained earnings to average equity (ytd only) | 6.8274% | 1,583 |
| Net charge-offs to loans | -0.1262% | 7,161 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.4571% | 7,325 |
| Assets per employee ($millions) | 16.1080% | 76 |
| Cash dividends to net income (ytd only)* | 41.8216% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5202% | 3,934 |
| Loan loss allowance to noncurrent loans | 25.2294% | 6,424 |
| Noncurrent assets plus other real estate owned to assets | 0.4511% | 5,840 |
| Noncurrent loans to loans | 6.0254% | 822 |
| Net loans and leases to total assets | 7.3731% | 7,301 |
| Net loans and leases to deposits | 9.4974% | 7,302 |
| Net loans and leases to core deposits | 9.5893% | 7,291 |
| Total domestic deposits to total assets | 77.6333% | 6,251 |
| Equity capital to assets | 20.6336% | 201 |
| Core capital (leverage) ratio | 18.8130% | 256 |
| Tier 1 risk-based capital ratio | 39.7289% | 232 |
| Total risk-based capital ratio | 39.9754% | 247 |
| Memoranda: | ||
| Average total assets | $94,267,200 | 5,070 |
| Average earning assets | $89,280,800 | 4,954 |
| Average equity | $18,338,000 | 3,381 |
| Average total loans | $6,337,400 | 7,233 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9681% | 3,256 |
| Cost of funding earning assets | 1.5135% | 819 |
| Net interest margin | 3.4546% | 5,374 |
| Noninterest income to average assets | 0.0114% | 7,072 |
| Noninterest expense to average assets | 0.6149% | 7,405 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.4273% | 173 |
| Return on assets (ROA) | 2.6190% | 134 |
| Pretax return on assets | 2.8724% | 153 |
| Return on Equity (ROE) | 13.6771% | 1,116 |
| Retained earnings to average equity (ytd only) | 13.6771% | 315 |
| Net charge-offs to loans | -0.1526% | 7,228 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.7663% | 7,408 |
| Assets per employee ($millions) | 16.3438% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7010% | 3,265 |
| Loan loss allowance to noncurrent loans | 24.9428% | 6,490 |
| Noncurrent assets plus other real estate owned to assets | 0.4456% | 5,978 |
| Noncurrent loans to loans | 6.8196% | 743 |
| Net loans and leases to total assets | 6.4234% | 7,377 |
| Net loans and leases to deposits | 8.3130% | 7,382 |
| Net loans and leases to core deposits | 8.3476% | 7,370 |
| Total domestic deposits to total assets | 77.2697% | 6,337 |
| Equity capital to assets | 21.1425% | 200 |
| Core capital (leverage) ratio | 19.6786% | 230 |
| Tier 1 risk-based capital ratio | 40.1724% | 250 |
| Total risk-based capital ratio | 40.4114% | 263 |
| Memoranda: | ||
| Average total assets | $93,672,000 | 5,117 |
| Average earning assets | $88,536,750 | 5,008 |
| Average equity | $17,937,000 | 3,434 |
| Average total loans | $6,112,750 | 7,313 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1360% | 2,528 |
| Cost of funding earning assets | 1.5392% | 864 |
| Net interest margin | 3.5968% | 4,732 |
| Noninterest income to average assets | 0.0108% | 7,164 |
| Noninterest expense to average assets | 0.6659% | 7,481 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.4872% | 168 |
| Return on assets (ROA) | 2.7742% | 127 |
| Pretax return on assets | 3.0800% | 136 |
| Return on Equity (ROE) | 15.0426% | 798 |
| Retained earnings to average equity (ytd only) | 15.0426% | 248 |
| Net charge-offs to loans | -0.1995% | 7,286 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.4304% | 7,479 |
| Assets per employee ($millions) | 15.4797% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7208% | 3,256 |
| Loan loss allowance to noncurrent loans | 23.0769% | 6,612 |
| Noncurrent assets plus other real estate owned to assets | 0.5039% | 5,907 |
| Noncurrent loans to loans | 7.4570% | 641 |
| Net loans and leases to total assets | 6.6410% | 7,455 |
| Net loans and leases to deposits | 8.3792% | 7,460 |
| Net loans and leases to core deposits | 8.4151% | 7,449 |
| Total domestic deposits to total assets | 79.2556% | 6,023 |
| Equity capital to assets | 19.9832% | 260 |
| Core capital (leverage) ratio | 19.5538% | 245 |
| Tier 1 risk-based capital ratio | 39.7297% | 250 |
| Total risk-based capital ratio | 39.9714% | 256 |
| Memoranda: | ||
| Average total assets | $92,208,330 | 5,202 |
| Average earning assets | $87,577,670 | 5,077 |
| Average equity | $17,005,000 | 3,571 |
| Average total loans | $6,014,330 | 7,389 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2473% | 2,060 |
| Cost of funding earning assets | 1.5756% | 896 |
| Net interest margin | 3.6718% | 4,241 |
| Noninterest income to average assets | 0.0218% | 7,235 |
| Noninterest expense to average assets | 0.6574% | 7,542 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.6084% | 156 |
| Return on assets (ROA) | 2.6123% | 163 |
| Pretax return on assets | 2.8996% | 158 |
| Return on Equity (ROE) | 14.7897% | 858 |
| Retained earnings to average equity (ytd only) | 14.7897% | 411 |
| Net charge-offs to loans | -0.4759% | 7,402 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.5049% | 7,539 |
| Assets per employee ($millions) | 15.2397% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8443% | 2,868 |
| Loan loss allowance to noncurrent loans | 24.0088% | 6,608 |
| Noncurrent assets plus other real estate owned to assets | 0.4965% | 5,982 |
| Noncurrent loans to loans | 7.6819% | 669 |
| Net loans and leases to total assets | 6.3442% | 7,515 |
| Net loans and leases to deposits | 7.8201% | 7,521 |
| Net loans and leases to core deposits | 7.8529% | 7,508 |
| Total domestic deposits to total assets | 81.1271% | 5,626 |
| Equity capital to assets | 18.3031% | 351 |
| Core capital (leverage) ratio | 18.3588% | 313 |
| Tier 1 risk-based capital ratio | 36.2331% | 323 |
| Total risk-based capital ratio | 36.4643% | 335 |
| Memoranda: | ||
| Average total assets | $91,873,500 | 5,244 |
| Average earning assets | $88,349,500 | 5,079 |
| Average equity | $16,227,500 | 3,688 |
| Average total loans | $5,883,500 | 7,450 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2314% | 3,452 |
| Cost of funding earning assets | 2.0955% | 437 |
| Net interest margin | 3.1358% | 6,423 |
| Noninterest income to average assets | 0.0172% | 7,219 |
| Noninterest expense to average assets | 0.7373% | 7,601 |
| Loan and lease loss provision to assets | 0.0215% | 6,904 |
| Net operating income to assets | 2.2399% | 175 |
| Return on assets (ROA) | 2.3323% | 154 |
| Pretax return on assets | 2.2828% | 261 |
| Return on Equity (ROE) | 13.3350% | 1,016 |
| Retained earnings to average equity (ytd only) | 9.6479% | 581 |
| Net charge-offs to loans | 1.5626% | 1,400 |
| Credit loss provision to net charge-offs | 20.8333% | 6,551 |
| Earnings coverage of net charge-offs (x) | 21.4375% | 967 |
| Efficiency ratio | 25.0000% | 7,607 |
| Assets per employee ($millions) | 15.3848% | 92 |
| Cash dividends to net income (ytd only)* | 27.6498% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7415% | 3,068 |
| Loan loss allowance to noncurrent loans | 21.7021% | 6,741 |
| Noncurrent assets plus other real estate owned to assets | 0.5092% | 6,008 |
| Noncurrent loans to loans | 8.0246% | 645 |
| Net loans and leases to total assets | 6.2345% | 7,596 |
| Net loans and leases to deposits | 7.5363% | 7,603 |
| Net loans and leases to core deposits | 7.5859% | 7,589 |
| Total domestic deposits to total assets | 82.7265% | 4,918 |
| Equity capital to assets | 17.0287% | 455 |
| Core capital (leverage) ratio | 17.4604% | 362 |
| Tier 1 risk-based capital ratio | 34.2607% | 362 |
| Total risk-based capital ratio | 34.4728% | 391 |
| Memoranda: | ||
| Average total assets | $93,041,600 | 5,193 |
| Average earning assets | $86,994,000 | 5,117 |
| Average equity | $16,273,000 | 3,710 |
| Average total loans | $6,143,800 | 7,528 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2408% | 3,626 |
| Cost of funding earning assets | 2.2212% | 362 |
| Net interest margin | 3.0196% | 6,792 |
| Noninterest income to average assets | 0.0143% | 7,400 |
| Noninterest expense to average assets | 0.6035% | 7,728 |
| Loan and lease loss provision to assets | 0.0286% | 6,780 |
| Net operating income to assets | 2.2554% | 215 |
| Return on assets (ROA) | 2.3355% | 190 |
| Pretax return on assets | 2.2697% | 362 |
| Return on Equity (ROE) | 13.2668% | 1,192 |
| Retained earnings to average equity (ytd only) | 13.2668% | 323 |
| Net charge-offs to loans | 2.0594% | 906 |
| Credit loss provision to net charge-offs | 20.8333% | 6,239 |
| Earnings coverage of net charge-offs (x) | 16.1559% | 1,392 |
| Efficiency ratio | 21.3887% | 7,723 |
| Assets per employee ($millions) | 16.3853% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5836% | 3,604 |
| Loan loss allowance to noncurrent loans | 19.6154% | 6,918 |
| Noncurrent assets plus other real estate owned to assets | 0.5289% | 6,101 |
| Noncurrent loans to loans | 8.0733% | 636 |
| Net loans and leases to total assets | 6.4478% | 7,700 |
| Net loans and leases to deposits | 8.1459% | 7,707 |
| Net loans and leases to core deposits | 8.2712% | 7,690 |
| Total domestic deposits to total assets | 79.1541% | 5,985 |
| Equity capital to assets | 19.2642% | 335 |
| Core capital (leverage) ratio | 17.1513% | 419 |
| Tier 1 risk-based capital ratio | 33.3522% | 398 |
| Total risk-based capital ratio | 33.5578% | 416 |
| Memoranda: | ||
| Average total assets | $93,224,750 | 5,242 |
| Average earning assets | $86,676,250 | 5,186 |
| Average equity | $16,411,500 | 3,738 |
| Average total loans | $6,215,500 | 7,623 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3341% | 3,295 |
| Cost of funding earning assets | 2.3388% | 299 |
| Net interest margin | 2.9953% | 6,833 |
| Noninterest income to average assets | 0.0153% | 7,478 |
| Noninterest expense to average assets | 0.6424% | 7,797 |
| Loan and lease loss provision to assets | 0.0437% | 6,539 |
| Net operating income to assets | 2.2113% | 224 |
| Return on assets (ROA) | 2.3162% | 203 |
| Pretax return on assets | 2.2157% | 397 |
| Return on Equity (ROE) | 13.6168% | 1,115 |
| Retained earnings to average equity (ytd only) | 13.6168% | 332 |
| Net charge-offs to loans | 2.6709% | 619 |
| Credit loss provision to net charge-offs | 24.3902% | 5,809 |
| Earnings coverage of net charge-offs (x) | 12.0244% | 1,708 |
| Efficiency ratio | 22.9688% | 7,781 |
| Assets per employee ($millions) | 16.0793% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9320% | 2,336 |
| Loan loss allowance to noncurrent loans | 21.0909% | 6,888 |
| Noncurrent assets plus other real estate owned to assets | 0.5701% | 6,052 |
| Noncurrent loans to loans | 9.1606% | 516 |
| Net loans and leases to total assets | 6.1031% | 7,767 |
| Net loans and leases to deposits | 7.4522% | 7,774 |
| Net loans and leases to core deposits | 7.5651% | 7,759 |
| Total domestic deposits to total assets | 81.8960% | 5,031 |
| Equity capital to assets | 17.3235% | 486 |
| Core capital (leverage) ratio | 17.5508% | 395 |
| Tier 1 risk-based capital ratio | 34.5232% | 365 |
| Total risk-based capital ratio | 34.7741% | 385 |
| Memoranda: | ||
| Average total assets | $91,529,000 | 5,337 |
| Average earning assets | $84,999,670 | 5,263 |
| Average equity | $15,569,000 | 3,879 |
| Average total loans | $6,140,330 | 7,693 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4225% | 2,929 |
| Cost of funding earning assets | 2.4414% | 265 |
| Net interest margin | 2.9812% | 6,869 |
| Noninterest income to average assets | 0.0180% | 7,599 |
| Noninterest expense to average assets | 0.6692% | 7,901 |
| Loan and lease loss provision to assets | 0.0898% | 5,736 |
| Net operating income to assets | 2.2188% | 244 |
| Return on assets (ROA) | 2.4255% | 188 |
| Pretax return on assets | 2.2188% | 406 |
| Return on Equity (ROE) | 14.4029% | 974 |
| Retained earnings to average equity (ytd only) | 14.4029% | 462 |
| Net charge-offs to loans | 5.5408% | 205 |
| Credit loss provision to net charge-offs | 23.2558% | 4,910 |
| Earnings coverage of net charge-offs (x) | 5.4419% | 2,399 |
| Efficiency ratio | 24.1491% | 7,887 |
| Assets per employee ($millions) | 14.7493% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7854% | 2,778 |
| Loan loss allowance to noncurrent loans | 28.2828% | 6,511 |
| Noncurrent assets plus other real estate owned to assets | 0.4475% | 6,347 |
| Noncurrent loans to loans | 6.3128% | 1,004 |
| Net loans and leases to total assets | 6.9619% | 7,869 |
| Net loans and leases to deposits | 8.4962% | 7,875 |
| Net loans and leases to core deposits | 8.6102% | 7,859 |
| Total domestic deposits to total assets | 81.9416% | 5,097 |
| Equity capital to assets | 17.5364% | 467 |
| Core capital (leverage) ratio | 17.2936% | 428 |
| Tier 1 risk-based capital ratio | 35.5741% | 343 |
| Total risk-based capital ratio | 35.8321% | 360 |
| Memoranda: | ||
| Average total assets | $89,055,500 | 5,483 |
| Average earning assets | $82,249,500 | 5,430 |
| Average equity | $14,997,000 | 4,015 |
| Average total loans | $6,208,500 | 7,786 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1978% | 5,660 |
| Cost of funding earning assets | 2.7997% | 446 |
| Net interest margin | 2.3981% | 7,513 |
| Noninterest income to average assets | 0.0207% | 7,619 |
| Noninterest expense to average assets | 0.7751% | 7,966 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.4583% | 737 |
| Return on assets (ROA) | 1.5064% | 714 |
| Pretax return on assets | 1.5174% | 1,141 |
| Return on Equity (ROE) | 9.1893% | 1,963 |
| Retained earnings to average equity (ytd only) | 5.8491% | 1,409 |
| Net charge-offs to loans | 1.1372% | 2,152 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 18.2879% | 1,137 |
| Efficiency ratio | 34.5445% | 7,908 |
| Assets per employee ($millions) | 14.9358% | 111 |
| Cash dividends to net income (ytd only)* | 36.3489% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8971% | 846 |
| Loan loss allowance to noncurrent loans | 53.1343% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 0.3738% | 6,512 |
| Noncurrent loans to loans | 5.4525% | 1,194 |
| Net loans and leases to total assets | 6.6574% | 7,946 |
| Net loans and leases to deposits | 7.9784% | 7,952 |
| Net loans and leases to core deposits | 9.2601% | 7,947 |
| Total domestic deposits to total assets | 83.4425% | 4,308 |
| Equity capital to assets | 16.1524% | 678 |
| Core capital (leverage) ratio | 16.5930% | 541 |
| Tier 1 risk-based capital ratio | 33.7492% | 384 |
| Total risk-based capital ratio | 34.1521% | 403 |
| Memoranda: | ||
| Average total assets | $82,180,200 | 5,660 |
| Average earning assets | $76,186,200 | 5,595 |
| Average equity | $13,472,200 | 4,391 |
| Average total loans | $5,803,600 | 7,868 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1524% | 6,101 |
| Cost of funding earning assets | 2.8432% | 533 |
| Net interest margin | 2.3092% | 7,636 |
| Noninterest income to average assets | 0.0216% | 7,763 |
| Noninterest expense to average assets | 0.6773% | 8,061 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4761% | 861 |
| Return on assets (ROA) | 1.5155% | 841 |
| Pretax return on assets | 1.5305% | 1,329 |
| Return on Equity (ROE) | 9.2070% | 2,186 |
| Retained earnings to average equity (ytd only) | 9.2070% | 791 |
| Net charge-offs to loans | 0.2331% | 4,599 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 89.8200% | 391 |
| Efficiency ratio | 31.2404% | 8,004 |
| Assets per employee ($millions) | 14.4912% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7657% | 344 |
| Loan loss allowance to noncurrent loans | 67.8261% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 0.3968% | 6,463 |
| Noncurrent loans to loans | 5.5520% | 1,125 |
| Net loans and leases to total assets | 6.8778% | 8,028 |
| Net loans and leases to deposits | 8.2534% | 8,036 |
| Net loans and leases to core deposits | 9.6007% | 8,025 |
| Total domestic deposits to total assets | 83.3324% | 4,048 |
| Equity capital to assets | 16.2064% | 761 |
| Core capital (leverage) ratio | 17.5082% | 501 |
| Tier 1 risk-based capital ratio | 20.3981% | 1,479 |
| Total risk-based capital ratio | 20.7157% | 1,615 |
| Memoranda: | ||
| Average total assets | $80,321,500 | 5,751 |
| Average earning assets | $74,656,000 | 5,687 |
| Average equity | $13,221,500 | 4,480 |
| Average total loans | $5,718,500 | 7,949 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1345% | 6,299 |
| Cost of funding earning assets | 2.8931% | 620 |
| Net interest margin | 2.2413% | 7,723 |
| Noninterest income to average assets | 0.0256% | 7,853 |
| Noninterest expense to average assets | 0.5991% | 8,160 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4906% | 851 |
| Return on assets (ROA) | 1.5132% | 869 |
| Pretax return on assets | 1.5362% | 1,359 |
| Return on Equity (ROE) | 9.1404% | 2,310 |
| Retained earnings to average equity (ytd only) | 9.1404% | 903 |
| Net charge-offs to loans | 0.3601% | 3,380 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 59.1000% | 604 |
| Efficiency ratio | 28.3636% | 8,112 |
| Assets per employee ($millions) | 13.5545% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9959% | 261 |
| Loan loss allowance to noncurrent loans | 68.6217% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 0.4193% | 6,418 |
| Noncurrent loans to loans | 5.8231% | 960 |
| Net loans and leases to total assets | 6.9128% | 8,117 |
| Net loans and leases to deposits | 8.2111% | 8,127 |
| Net loans and leases to core deposits | 9.5382% | 8,117 |
| Total domestic deposits to total assets | 84.1885% | 3,653 |
| Equity capital to assets | 15.3504% | 958 |
| Core capital (leverage) ratio | 18.1222% | 497 |
| Tier 1 risk-based capital ratio | 37.6909% | 357 |
| Total risk-based capital ratio | 38.2905% | 362 |
| Memoranda: | ||
| Average total assets | $78,113,000 | 5,858 |
| Average earning assets | $72,724,330 | 5,800 |
| Average equity | $12,931,670 | 4,563 |
| Average total loans | $5,553,330 | 8,043 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1024% | 6,637 |
| Cost of funding earning assets | 2.9038% | 763 |
| Net interest margin | 2.1986% | 7,798 |
| Noninterest income to average assets | 0.0209% | 7,970 |
| Noninterest expense to average assets | 0.6431% | 8,209 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4025% | 1,132 |
| Return on assets (ROA) | 1.4430% | 1,132 |
| Pretax return on assets | 1.4901% | 1,696 |
| Return on Equity (ROE) | 8.3919% | 2,973 |
| Retained earnings to average equity (ytd only) | 8.3919% | 1,666 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.7500% | 8,148 |
| Assets per employee ($millions) | 12.8320% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2598% | 172 |
| Loan loss allowance to noncurrent loans | 75.7764% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 0.4182% | 6,250 |
| Noncurrent loans to loans | 5.6215% | 895 |
| Net loans and leases to total assets | 7.1228% | 8,170 |
| Net loans and leases to deposits | 8.6263% | 8,180 |
| Net loans and leases to core deposits | 10.0604% | 8,166 |
| Total domestic deposits to total assets | 82.5709% | 4,344 |
| Equity capital to assets | 16.8953% | 737 |
| Core capital (leverage) ratio | 18.7900% | 469 |
| Tier 1 risk-based capital ratio | 44.8596% | 251 |
| Total risk-based capital ratio | 45.6200% | 255 |
| Memoranda: | ||
| Average total assets | $76,506,000 | 5,929 |
| Average earning assets | $72,044,500 | 5,843 |
| Average equity | $13,155,500 | 4,546 |
| Average total loans | $5,402,000 | 8,103 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3462% | 7,543 |
| Cost of funding earning assets | 2.9715% | 1,977 |
| Net interest margin | 2.3747% | 7,868 |
| Noninterest income to average assets | 0.0234% | 8,022 |
| Noninterest expense to average assets | 0.8635% | 8,222 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3129% | 1,450 |
| Return on assets (ROA) | 1.3793% | 1,231 |
| Pretax return on assets | 1.5123% | 1,647 |
| Return on Equity (ROE) | 6.8383% | 3,608 |
| Retained earnings to average equity (ytd only) | 3.5785% | 2,916 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5000% | 8,166 |
| Assets per employee ($millions) | 10.8600% | 210 |
| Cash dividends to net income (ytd only)* | 47.6695% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8069% | 108 |
| Loan loss allowance to noncurrent loans | 82.4324% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 0.3894% | 6,070 |
| Noncurrent loans to loans | 5.8314% | 642 |
| Net loans and leases to total assets | 6.3562% | 8,223 |
| Net loans and leases to deposits | 7.7561% | 8,234 |
| Net loans and leases to core deposits | 9.0686% | 8,226 |
| Total domestic deposits to total assets | 81.9508% | 4,224 |
| Equity capital to assets | 17.4993% | 718 |
| Core capital (leverage) ratio | 18.8115% | 529 |
| Tier 1 risk-based capital ratio | 53.1769% | 187 |
| Total risk-based capital ratio | 54.0959% | 190 |
| Memoranda: | ||
| Average total assets | $68,438,600 | 6,080 |
| Average earning assets | $65,691,600 | 5,973 |
| Average equity | $13,804,600 | 4,384 |
| Average total loans | $5,021,000 | 8,160 |