Home > Senath State Bank > Performance and Condition Ratios
Senath State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8914% | 2,295 |
| Cost of funding earning assets | 0.7921% | 3,754 |
| Net interest margin | 4.0993% | 1,075 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.4003% | 2,593 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.9332% | 510 |
| Return on assets (ROA) | 1.9332% | 490 |
| Pretax return on assets | 1.9332% | 741 |
| Return on Equity (ROE) | 14.9000% | 1,305 |
| Retained earnings to average equity (ytd only) | 6.5165% | 2,053 |
| Net charge-offs to loans | -0.0038% | 3,782 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.3888% | 3,562 |
| Assets per employee ($millions) | 6.0335% | 2,788 |
| Cash dividends to net income (ytd only)* | 56.2691% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4020% | 1,391 |
| Loan loss allowance to noncurrent loans | 609.6000% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.1151% | 2,765 |
| Noncurrent loans to loans | 0.2300% | 2,399 |
| Net loans and leases to total assets | 49.3400% | 3,637 |
| Net loans and leases to deposits | 56.6832% | 3,679 |
| Net loans and leases to core deposits | 56.8498% | 3,881 |
| Total domestic deposits to total assets | 87.0500% | 1,659 |
| Equity capital to assets | 12.8901% | 878 |
| Core capital (leverage) ratio | 14.7196% | 668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $101,488,600 | 3,820 |
| Average earning assets | $95,065,000 | 3,789 |
| Average equity | $13,166,600 | 3,413 |
| Average total loans | $52,176,600 | 3,808 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8655% | 2,135 |
| Cost of funding earning assets | 0.7366% | 3,687 |
| Net interest margin | 4.1289% | 1,017 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.3548% | 2,641 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.0325% | 479 |
| Return on assets (ROA) | 2.0325% | 471 |
| Pretax return on assets | 2.0325% | 728 |
| Return on Equity (ROE) | 15.6400% | 1,317 |
| Retained earnings to average equity (ytd only) | 4.2802% | 3,182 |
| Net charge-offs to loans | -0.0026% | 3,620 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.6727% | 3,609 |
| Assets per employee ($millions) | 5.2207% | 3,415 |
| Cash dividends to net income (ytd only)* | 72.6316% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3535% | 1,640 |
| Loan loss allowance to noncurrent loans | 250.3289% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.3235% | 1,732 |
| Noncurrent loans to loans | 0.5407% | 1,475 |
| Net loans and leases to total assets | 59.0200% | 2,939 |
| Net loans and leases to deposits | 68.9117% | 2,919 |
| Net loans and leases to core deposits | 69.1480% | 3,258 |
| Total domestic deposits to total assets | 85.6500% | 2,294 |
| Equity capital to assets | 14.1179% | 628 |
| Core capital (leverage) ratio | 14.7353% | 672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $99,710,000 | 3,850 |
| Average earning assets | $93,938,000 | 3,817 |
| Average equity | $12,958,500 | 3,425 |
| Average total loans | $51,632,750 | 3,831 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7629% | 2,076 |
| Cost of funding earning assets | 0.6504% | 3,626 |
| Net interest margin | 4.1126% | 1,068 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.1550% | 3,197 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.1806% | 366 |
| Return on assets (ROA) | 2.1806% | 358 |
| Pretax return on assets | 2.1806% | 549 |
| Return on Equity (ROE) | 17.2400% | 1,051 |
| Retained earnings to average equity (ytd only) | 2.6759% | 3,557 |
| Net charge-offs to loans | -0.0160% | 4,063 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 49.7049% | 3,952 |
| Assets per employee ($millions) | 5.4597% | 3,183 |
| Cash dividends to net income (ytd only)* | 84.4765% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4647% | 1,294 |
| Loan loss allowance to noncurrent loans | 255.5184% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 1,701 |
| Noncurrent loans to loans | 0.5732% | 1,306 |
| Net loans and leases to total assets | 52.3000% | 3,385 |
| Net loans and leases to deposits | 60.3837% | 3,399 |
| Net loans and leases to core deposits | 60.5780% | 3,599 |
| Total domestic deposits to total assets | 86.6100% | 2,054 |
| Equity capital to assets | 13.2404% | 764 |
| Core capital (leverage) ratio | 14.1592% | 740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $101,622,333 | 3,848 |
| Average earning assets | $95,025,333 | 3,828 |
| Average equity | $12,855,667 | 3,449 |
| Average total loans | $50,101,667 | 3,860 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6940% | 1,864 |
| Cost of funding earning assets | 0.5439% | 3,554 |
| Net interest margin | 4.1502% | 1,026 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.0175% | 3,588 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0369% | 461 |
| Return on assets (ROA) | 2.0369% | 454 |
| Pretax return on assets | 2.0369% | 723 |
| Return on Equity (ROE) | 16.4700% | 1,267 |
| Retained earnings to average equity (ytd only) | -3.5688% | 4,269 |
| Net charge-offs to loans | -0.0082% | 3,784 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.7612% | 3,957 |
| Assets per employee ($millions) | 5.0271% | 3,642 |
| Cash dividends to net income (ytd only)* | 121.6730% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5614% | 1,091 |
| Loan loss allowance to noncurrent loans | 27.7839% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 2.7243% | 69 |
| Noncurrent loans to loans | 5.6198% | 45 |
| Net loans and leases to total assets | 47.7200% | 3,649 |
| Net loans and leases to deposits | 54.7376% | 3,638 |
| Net loans and leases to core deposits | 54.9080% | 3,796 |
| Total domestic deposits to total assets | 87.1800% | 2,200 |
| Equity capital to assets | 12.7321% | 819 |
| Core capital (leverage) ratio | 11.8450% | 1,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $103,296,000 | 3,878 |
| Average earning assets | $95,611,000 | 3,864 |
| Average equity | $12,777,500 | 3,501 |
| Average total loans | $49,071,500 | 3,920 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5360% | 2,983 |
| Cost of funding earning assets | 0.2223% | 3,580 |
| Net interest margin | 3.3137% | 2,531 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 2.1600% | 3,128 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4735% | 952 |
| Return on assets (ROA) | 1.4715% | 918 |
| Pretax return on assets | 1.4715% | 1,535 |
| Return on Equity (ROE) | 11.7100% | 2,238 |
| Retained earnings to average equity (ytd only) | 5.8070% | 2,717 |
| Net charge-offs to loans | 0.0791% | 861 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 38.5789% | 1,526 |
| Efficiency ratio | 59.4467% | 3,125 |
| Assets per employee ($millions) | 5.5816% | 3,142 |
| Cash dividends to net income (ytd only)* | 50.4098% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5363% | 1,105 |
| Loan loss allowance to noncurrent loans | 276.0000% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 1,732 |
| Noncurrent loans to loans | 0.5566% | 1,329 |
| Net loans and leases to total assets | 45.8700% | 3,810 |
| Net loans and leases to deposits | 52.1567% | 3,793 |
| Net loans and leases to core deposits | 52.3081% | 3,899 |
| Total domestic deposits to total assets | 87.9500% | 2,083 |
| Equity capital to assets | 12.0263% | 925 |
| Core capital (leverage) ratio | 14.3719% | 666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $99,490,800 | 3,934 |
| Average earning assets | $93,581,400 | 3,901 |
| Average equity | $12,502,200 | 3,619 |
| Average total loans | $48,056,400 | 3,924 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3862% | 2,951 |
| Cost of funding earning assets | 0.1884% | 3,416 |
| Net interest margin | 3.1977% | 2,630 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.1134% | 3,176 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3817% | 1,137 |
| Return on assets (ROA) | 1.3789% | 1,117 |
| Pretax return on assets | 1.3789% | 1,782 |
| Return on Equity (ROE) | 10.8500% | 2,444 |
| Retained earnings to average equity (ytd only) | 2.9369% | 3,788 |
| Net charge-offs to loans | 0.1090% | 573 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,591 |
| Efficiency ratio | 60.4678% | 3,057 |
| Assets per employee ($millions) | 4.8190% | 3,831 |
| Cash dividends to net income (ytd only)* | 72.9249% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5162% | 1,250 |
| Loan loss allowance to noncurrent loans | 281.1111% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.2949% | 1,767 |
| Noncurrent loans to loans | 0.5394% | 1,460 |
| Net loans and leases to total assets | 53.8400% | 3,119 |
| Net loans and leases to deposits | 62.2797% | 2,999 |
| Net loans and leases to core deposits | 62.4913% | 3,217 |
| Total domestic deposits to total assets | 86.4500% | 2,944 |
| Equity capital to assets | 13.3365% | 637 |
| Core capital (leverage) ratio | 14.0391% | 676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $97,850,750 | 3,972 |
| Average earning assets | $93,397,250 | 3,930 |
| Average equity | $12,439,250 | 3,661 |
| Average total loans | $47,719,250 | 3,953 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1427% | 3,200 |
| Cost of funding earning assets | 0.1538% | 3,525 |
| Net interest margin | 2.9889% | 2,914 |
| Noninterest income to average assets | 0.5423% | 1,983 |
| Noninterest expense to average assets | 1.9570% | 3,558 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4248% | 848 |
| Return on assets (ROA) | 1.4207% | 840 |
| Pretax return on assets | 1.4207% | 1,381 |
| Return on Equity (ROE) | 11.3461% | 1,876 |
| Retained earnings to average equity (ytd only) | 1.5980% | 3,857 |
| Net charge-offs to loans | 0.0085% | 1,665 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 356.0000% | 352 |
| Efficiency ratio | 57.8698% | 3,578 |
| Assets per employee ($millions) | 4.7636% | 3,877 |
| Cash dividends to net income (ytd only)* | 85.9155% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6426% | 1,064 |
| Loan loss allowance to noncurrent loans | 625.9843% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.1333% | 2,775 |
| Noncurrent loans to loans | 0.2624% | 2,425 |
| Net loans and leases to total assets | 49.9659% | 3,382 |
| Net loans and leases to deposits | 57.4853% | 3,270 |
| Net loans and leases to core deposits | 57.6712% | 3,448 |
| Total domestic deposits to total assets | 86.9194% | 2,961 |
| Equity capital to assets | 12.9336% | 674 |
| Core capital (leverage) ratio | 13.0394% | 813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,947,333 | 3,991 |
| Average earning assets | $94,951,667 | 3,960 |
| Average equity | $12,515,333 | 3,731 |
| Average total loans | $46,939,333 | 4,013 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9436% | 3,420 |
| Cost of funding earning assets | 0.1525% | 3,476 |
| Net interest margin | 2.7911% | 3,170 |
| Noninterest income to average assets | 0.4966% | 2,154 |
| Noninterest expense to average assets | 1.8419% | 3,833 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3022% | 1,001 |
| Return on assets (ROA) | 1.3022% | 994 |
| Pretax return on assets | 1.3022% | 1,503 |
| Return on Equity (ROE) | 10.5614% | 1,775 |
| Retained earnings to average equity (ytd only) | -0.6660% | 4,105 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5821% | 3,623 |
| Assets per employee ($millions) | 5.0927% | 3,675 |
| Cash dividends to net income (ytd only)* | 106.3063% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7605% | 942 |
| Loan loss allowance to noncurrent loans | 521.5686% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.2180% | 2,338 |
| Noncurrent loans to loans | 0.3375% | 2,274 |
| Net loans and leases to total assets | 43.7199% | 3,756 |
| Net loans and leases to deposits | 49.8087% | 3,746 |
| Net loans and leases to core deposits | 49.9568% | 3,876 |
| Total domestic deposits to total assets | 87.7755% | 2,635 |
| Equity capital to assets | 12.1508% | 906 |
| Core capital (leverage) ratio | 12.4010% | 938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,285,500 | 3,984 |
| Average earning assets | $97,023,500 | 3,960 |
| Average equity | $12,612,000 | 3,797 |
| Average total loans | $46,210,000 | 4,036 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3036% | 3,206 |
| Cost of funding earning assets | 0.2262% | 3,183 |
| Net interest margin | 3.0774% | 2,972 |
| Noninterest income to average assets | 0.5299% | 2,442 |
| Noninterest expense to average assets | 2.1218% | 3,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3212% | 1,548 |
| Return on assets (ROA) | 1.3212% | 1,589 |
| Pretax return on assets | 1.3212% | 2,290 |
| Return on Equity (ROE) | 9.8888% | 2,563 |
| Retained earnings to average equity (ytd only) | 0.9582% | 4,270 |
| Net charge-offs to loans | -0.0546% | 4,360 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6276% | 2,918 |
| Assets per employee ($millions) | 5.4062% | 3,350 |
| Cash dividends to net income (ytd only)* | 90.3098% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6946% | 1,058 |
| Loan loss allowance to noncurrent loans | 26.7606% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 2.9440% | 74 |
| Noncurrent loans to loans | 6.3323% | 43 |
| Net loans and leases to total assets | 45.0690% | 3,760 |
| Net loans and leases to deposits | 51.5254% | 3,767 |
| Net loans and leases to core deposits | 51.6766% | 3,916 |
| Total domestic deposits to total assets | 87.4696% | 2,298 |
| Equity capital to assets | 12.5080% | 1,062 |
| Core capital (leverage) ratio | 13.7520% | 656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,295,200 | 4,039 |
| Average earning assets | $90,204,600 | 4,019 |
| Average equity | $12,731,600 | 3,852 |
| Average total loans | $47,651,800 | 4,047 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3503% | 3,247 |
| Cost of funding earning assets | 0.2513% | 3,114 |
| Net interest margin | 3.0989% | 3,057 |
| Noninterest income to average assets | 0.5465% | 2,422 |
| Noninterest expense to average assets | 2.0690% | 3,457 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4155% | 1,492 |
| Return on assets (ROA) | 1.4155% | 1,554 |
| Pretax return on assets | 1.4155% | 2,272 |
| Return on Equity (ROE) | 10.4124% | 2,584 |
| Retained earnings to average equity (ytd only) | -1.3750% | 4,680 |
| Net charge-offs to loans | -0.0670% | 4,465 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3776% | 3,082 |
| Assets per employee ($millions) | 4.9263% | 3,768 |
| Cash dividends to net income (ytd only)* | 113.2056% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6019% | 1,335 |
| Loan loss allowance to noncurrent loans | 520.2614% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2210% | 2,677 |
| Noncurrent loans to loans | 0.3079% | 2,692 |
| Net loans and leases to total assets | 55.1402% | 2,834 |
| Net loans and leases to deposits | 64.4959% | 2,800 |
| Net loans and leases to core deposits | 64.7196% | 3,064 |
| Total domestic deposits to total assets | 85.4941% | 2,949 |
| Equity capital to assets | 14.3030% | 672 |
| Core capital (leverage) ratio | 13.8435% | 671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,439,500 | 4,109 |
| Average earning assets | $88,587,250 | 4,087 |
| Average equity | $12,702,500 | 3,909 |
| Average total loans | $47,791,750 | 4,099 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2795% | 3,484 |
| Cost of funding earning assets | 0.2801% | 2,979 |
| Net interest margin | 2.9993% | 3,328 |
| Noninterest income to average assets | 0.5388% | 2,451 |
| Noninterest expense to average assets | 1.9931% | 3,717 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3849% | 1,607 |
| Return on assets (ROA) | 1.3849% | 1,681 |
| Pretax return on assets | 1.3849% | 2,381 |
| Return on Equity (ROE) | 10.3549% | 2,637 |
| Retained earnings to average equity (ytd only) | -3.3047% | 4,729 |
| Net charge-offs to loans | -0.0424% | 4,295 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0031% | 3,151 |
| Assets per employee ($millions) | 4.9148% | 3,733 |
| Cash dividends to net income (ytd only)* | 131.9149% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6675% | 1,129 |
| Loan loss allowance to noncurrent loans | 157.9798% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.6618% | 1,259 |
| Noncurrent loans to loans | 1.0555% | 1,160 |
| Net loans and leases to total assets | 49.3832% | 3,619 |
| Net loans and leases to deposits | 57.2033% | 3,622 |
| Net loans and leases to core deposits | 57.3891% | 3,804 |
| Total domestic deposits to total assets | 86.3293% | 2,612 |
| Equity capital to assets | 13.4994% | 820 |
| Core capital (leverage) ratio | 13.2017% | 759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,028,000 | 4,119 |
| Average earning assets | $89,953,000 | 4,088 |
| Average equity | $12,709,000 | 3,915 |
| Average total loans | $47,158,667 | 4,129 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2814% | 3,498 |
| Cost of funding earning assets | 0.2846% | 3,149 |
| Net interest margin | 2.9968% | 3,263 |
| Noninterest income to average assets | 0.5717% | 2,320 |
| Noninterest expense to average assets | 1.8737% | 4,048 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5107% | 1,306 |
| Return on assets (ROA) | 1.5107% | 1,367 |
| Pretax return on assets | 1.5107% | 1,965 |
| Return on Equity (ROE) | 11.3475% | 2,249 |
| Retained earnings to average equity (ytd only) | -4.8274% | 4,694 |
| Net charge-offs to loans | -0.1438% | 4,722 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3637% | 3,624 |
| Assets per employee ($millions) | 5.0810% | 3,548 |
| Cash dividends to net income (ytd only)* | 142.5414% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6560% | 1,155 |
| Loan loss allowance to noncurrent loans | 270.2055% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.4071% | 2,185 |
| Noncurrent loans to loans | 0.6129% | 2,037 |
| Net loans and leases to total assets | 48.5369% | 3,759 |
| Net loans and leases to deposits | 55.9353% | 3,793 |
| Net loans and leases to core deposits | 56.1088% | 3,965 |
| Total domestic deposits to total assets | 86.7732% | 2,409 |
| Equity capital to assets | 13.1253% | 878 |
| Core capital (leverage) ratio | 13.4493% | 750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,851,000 | 4,122 |
| Average earning assets | $89,962,000 | 4,100 |
| Average equity | $12,760,500 | 3,921 |
| Average total loans | $47,289,500 | 4,153 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0126% | 2,690 |
| Cost of funding earning assets | 0.4103% | 3,518 |
| Net interest margin | 3.6023% | 2,135 |
| Noninterest income to average assets | 0.5446% | 2,445 |
| Noninterest expense to average assets | 2.2507% | 3,543 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.6933% | 505 |
| Return on assets (ROA) | 1.6933% | 548 |
| Pretax return on assets | 1.6933% | 865 |
| Return on Equity (ROE) | 11.5616% | 1,454 |
| Retained earnings to average equity (ytd only) | 1.1546% | 4,165 |
| Net charge-offs to loans | -0.0042% | 4,087 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0668% | 3,849 |
| Assets per employee ($millions) | 5.0086% | 3,383 |
| Cash dividends to net income (ytd only)* | 90.0138% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6449% | 1,182 |
| Loan loss allowance to noncurrent loans | 275.7143% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.3531% | 2,569 |
| Noncurrent loans to loans | 0.5966% | 2,204 |
| Net loans and leases to total assets | 48.5073% | 3,940 |
| Net loans and leases to deposits | 56.0989% | 3,989 |
| Net loans and leases to core deposits | 56.2754% | 4,138 |
| Total domestic deposits to total assets | 86.4674% | 2,165 |
| Equity capital to assets | 13.5031% | 928 |
| Core capital (leverage) ratio | 14.4921% | 596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,751,600 | 4,177 |
| Average earning assets | $80,920,400 | 4,152 |
| Average equity | $12,558,800 | 3,910 |
| Average total loans | $48,010,400 | 4,145 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1280% | 2,595 |
| Cost of funding earning assets | 0.4508% | 3,527 |
| Net interest margin | 3.6772% | 2,020 |
| Noninterest income to average assets | 0.5563% | 2,367 |
| Noninterest expense to average assets | 2.2814% | 3,468 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.7698% | 487 |
| Return on assets (ROA) | 1.7698% | 543 |
| Pretax return on assets | 1.7698% | 829 |
| Return on Equity (ROE) | 11.8209% | 1,427 |
| Retained earnings to average equity (ytd only) | -2.1357% | 4,712 |
| Net charge-offs to loans | 0.0028% | 3,078 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 1,107.0000% | 109 |
| Efficiency ratio | 56.3141% | 3,878 |
| Assets per employee ($millions) | 4.4943% | 3,854 |
| Cash dividends to net income (ytd only)* | 118.0668% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5452% | 1,251 |
| Loan loss allowance to noncurrent loans | 505.9211% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.3164% | 2,881 |
| Noncurrent loans to loans | 0.3054% | 3,188 |
| Net loans and leases to total assets | 60.5689% | 3,155 |
| Net loans and leases to deposits | 71.8471% | 3,144 |
| Net loans and leases to core deposits | 72.1178% | 3,461 |
| Total domestic deposits to total assets | 84.3025% | 2,713 |
| Equity capital to assets | 15.4602% | 546 |
| Core capital (leverage) ratio | 14.9867% | 547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,398,750 | 4,208 |
| Average earning assets | $79,261,750 | 4,177 |
| Average equity | $12,486,000 | 3,924 |
| Average total loans | $48,279,750 | 4,161 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1210% | 2,994 |
| Cost of funding earning assets | 0.5014% | 3,525 |
| Net interest margin | 3.6196% | 2,420 |
| Noninterest income to average assets | 0.5247% | 2,462 |
| Noninterest expense to average assets | 2.0301% | 4,170 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.9399% | 378 |
| Return on assets (ROA) | 1.9399% | 421 |
| Pretax return on assets | 1.9399% | 627 |
| Return on Equity (ROE) | 13.0940% | 1,078 |
| Retained earnings to average equity (ytd only) | -5.1927% | 4,778 |
| Net charge-offs to loans | 0.0628% | 1,615 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 54.4667% | 1,043 |
| Efficiency ratio | 51.1364% | 4,420 |
| Assets per employee ($millions) | 4.7474% | 3,475 |
| Cash dividends to net income (ytd only)* | 139.6573% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5478% | 1,130 |
| Loan loss allowance to noncurrent loans | 174.3649% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.6307% | 1,927 |
| Noncurrent loans to loans | 0.8877% | 1,721 |
| Net loans and leases to total assets | 56.1975% | 3,667 |
| Net loans and leases to deposits | 65.8707% | 3,733 |
| Net loans and leases to core deposits | 66.1019% | 3,965 |
| Total domestic deposits to total assets | 85.3149% | 2,265 |
| Equity capital to assets | 14.5025% | 738 |
| Core capital (leverage) ratio | 14.3905% | 676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,232,333 | 4,203 |
| Average earning assets | $80,174,667 | 4,168 |
| Average equity | $12,479,000 | 3,929 |
| Average total loans | $47,783,667 | 4,180 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2885% | 2,962 |
| Cost of funding earning assets | 0.5386% | 3,753 |
| Net interest margin | 3.7499% | 2,141 |
| Noninterest income to average assets | 0.3444% | 3,458 |
| Noninterest expense to average assets | 1.8273% | 4,631 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.0808% | 234 |
| Return on assets (ROA) | 2.0808% | 257 |
| Pretax return on assets | 2.0808% | 385 |
| Return on Equity (ROE) | 13.8955% | 716 |
| Retained earnings to average equity (ytd only) | -11.9470% | 4,829 |
| Net charge-offs to loans | 0.1438% | 877 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 25.5882% | 1,282 |
| Efficiency ratio | 46.7564% | 4,804 |
| Assets per employee ($millions) | 4.3971% | 3,410 |
| Cash dividends to net income (ytd only)* | 185.9770% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5734% | 1,140 |
| Loan loss allowance to noncurrent loans | 25.4306% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 3.6747% | 122 |
| Noncurrent loans to loans | 6.1869% | 76 |
| Net loans and leases to total assets | 56.3840% | 3,811 |
| Net loans and leases to deposits | 66.2541% | 3,849 |
| Net loans and leases to core deposits | 66.4907% | 4,054 |
| Total domestic deposits to total assets | 85.1026% | 2,375 |
| Equity capital to assets | 14.7777% | 815 |
| Core capital (leverage) ratio | 14.6278% | 762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,621,500 | 4,214 |
| Average earning assets | $79,468,500 | 4,179 |
| Average equity | $12,522,000 | 3,940 |
| Average total loans | $47,286,500 | 4,197 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5789% | 2,686 |
| Cost of funding earning assets | 0.4731% | 4,198 |
| Net interest margin | 4.1058% | 1,525 |
| Noninterest income to average assets | 0.6745% | 1,905 |
| Noninterest expense to average assets | 2.3615% | 3,802 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.1727% | 232 |
| Return on assets (ROA) | 2.1727% | 246 |
| Pretax return on assets | 2.1727% | 401 |
| Return on Equity (ROE) | 14.4374% | 808 |
| Retained earnings to average equity (ytd only) | 6.4221% | 1,652 |
| Net charge-offs to loans | 0.0043% | 3,527 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 874.5000% | 121 |
| Efficiency ratio | 52.0822% | 4,601 |
| Assets per employee ($millions) | 4.6499% | 3,020 |
| Cash dividends to net income (ytd only)* | 55.5174% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6483% | 886 |
| Loan loss allowance to noncurrent loans | 162.7907% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.6129% | 2,057 |
| Noncurrent loans to loans | 1.0125% | 1,501 |
| Net loans and leases to total assets | 54.8926% | 4,010 |
| Net loans and leases to deposits | 64.7436% | 4,025 |
| Net loans and leases to core deposits | 64.9725% | 4,237 |
| Total domestic deposits to total assets | 84.7846% | 2,579 |
| Equity capital to assets | 15.1712% | 756 |
| Core capital (leverage) ratio | 16.1158% | 504 |
| Tier 1 risk-based capital ratio | 29.3854% | 500 |
| Total risk-based capital ratio | 30.6420% | 489 |
| Memoranda: | ||
| Average total assets | $80,500,600 | 4,274 |
| Average earning assets | $75,672,800 | 4,259 |
| Average equity | $12,114,400 | 3,983 |
| Average total loans | $46,553,400 | 4,249 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6313% | 2,630 |
| Cost of funding earning assets | 0.4613% | 4,298 |
| Net interest margin | 4.1699% | 1,448 |
| Noninterest income to average assets | 0.6859% | 1,847 |
| Noninterest expense to average assets | 2.4123% | 3,646 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.1898% | 275 |
| Return on assets (ROA) | 2.1898% | 287 |
| Pretax return on assets | 2.1898% | 460 |
| Return on Equity (ROE) | 14.5824% | 873 |
| Retained earnings to average equity (ytd only) | 3.7654% | 3,510 |
| Net charge-offs to loans | -0.0115% | 4,419 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4173% | 4,563 |
| Assets per employee ($millions) | 4.1795% | 3,647 |
| Cash dividends to net income (ytd only)* | 74.1785% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5636% | 1,078 |
| Loan loss allowance to noncurrent loans | 245.5696% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.4958% | 2,543 |
| Noncurrent loans to loans | 0.6367% | 2,379 |
| Net loans and leases to total assets | 64.9360% | 3,185 |
| Net loans and leases to deposits | 77.8357% | 3,109 |
| Net loans and leases to core deposits | 77.8357% | 3,563 |
| Total domestic deposits to total assets | 83.4270% | 3,014 |
| Equity capital to assets | 16.2965% | 588 |
| Core capital (leverage) ratio | 16.0776% | 548 |
| Tier 1 risk-based capital ratio | 28.1690% | 565 |
| Total risk-based capital ratio | 29.4258% | 545 |
| Memoranda: | ||
| Average total assets | $79,701,250 | 4,349 |
| Average earning assets | $74,851,750 | 4,326 |
| Average equity | $11,968,500 | 4,044 |
| Average total loans | $46,513,250 | 4,299 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5283% | 2,924 |
| Cost of funding earning assets | 0.4338% | 4,378 |
| Net interest margin | 4.0946% | 1,624 |
| Noninterest income to average assets | 0.6823% | 1,789 |
| Noninterest expense to average assets | 2.2490% | 4,129 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.2933% | 220 |
| Return on assets (ROA) | 2.2933% | 229 |
| Pretax return on assets | 2.2933% | 364 |
| Return on Equity (ROE) | 15.6848% | 645 |
| Retained earnings to average equity (ytd only) | 1.6510% | 4,226 |
| Net charge-offs to loans | -0.0220% | 4,570 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5119% | 4,807 |
| Assets per employee ($millions) | 4.3819% | 3,312 |
| Cash dividends to net income (ytd only)* | 89.4737% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6619% | 891 |
| Loan loss allowance to noncurrent loans | 122.5552% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.8545% | 1,640 |
| Noncurrent loans to loans | 1.3561% | 1,146 |
| Net loans and leases to total assets | 58.2904% | 3,886 |
| Net loans and leases to deposits | 68.9140% | 3,909 |
| Net loans and leases to core deposits | 68.9140% | 4,160 |
| Total domestic deposits to total assets | 84.5843% | 2,650 |
| Equity capital to assets | 15.2357% | 757 |
| Core capital (leverage) ratio | 15.0053% | 704 |
| Tier 1 risk-based capital ratio | 29.1611% | 513 |
| Total risk-based capital ratio | 30.4157% | 504 |
| Memoranda: | ||
| Average total assets | $81,191,330 | 4,358 |
| Average earning assets | $76,540,670 | 4,319 |
| Average equity | $11,871,330 | 4,063 |
| Average total loans | $45,475,000 | 4,358 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3693% | 3,343 |
| Cost of funding earning assets | 0.3888% | 4,536 |
| Net interest margin | 3.9805% | 1,909 |
| Noninterest income to average assets | 0.5732% | 2,166 |
| Noninterest expense to average assets | 2.3412% | 3,921 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.0109% | 380 |
| Return on assets (ROA) | 2.0109% | 396 |
| Pretax return on assets | 2.0109% | 630 |
| Return on Equity (ROE) | 14.0357% | 962 |
| Retained earnings to average equity (ytd only) | -4.8142% | 4,915 |
| Net charge-offs to loans | -0.0268% | 4,601 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7946% | 4,551 |
| Assets per employee ($millions) | 4.5994% | 3,042 |
| Cash dividends to net income (ytd only)* | 134.2995% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7087% | 845 |
| Loan loss allowance to noncurrent loans | 26.7703% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 3.6225% | 143 |
| Noncurrent loans to loans | 6.3828% | 68 |
| Net loans and leases to total assets | 53.8489% | 4,217 |
| Net loans and leases to deposits | 62.8326% | 4,251 |
| Net loans and leases to core deposits | 62.8326% | 4,434 |
| Total domestic deposits to total assets | 85.7022% | 2,405 |
| Equity capital to assets | 14.1855% | 976 |
| Core capital (leverage) ratio | 14.4515% | 827 |
| Tier 1 risk-based capital ratio | 28.4979% | 532 |
| Total risk-based capital ratio | 29.7549% | 528 |
| Memoranda: | ||
| Average total assets | $82,350,000 | 4,378 |
| Average earning assets | $78,181,500 | 4,337 |
| Average equity | $11,798,500 | 4,085 |
| Average total loans | $44,836,000 | 4,415 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3078% | 3,081 |
| Cost of funding earning assets | 0.3045% | 4,555 |
| Net interest margin | 4.0032% | 1,977 |
| Noninterest income to average assets | 0.6096% | 2,243 |
| Noninterest expense to average assets | 2.4357% | 3,784 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.9468% | 396 |
| Return on assets (ROA) | 1.9493% | 393 |
| Pretax return on assets | 1.9493% | 624 |
| Return on Equity (ROE) | 13.4458% | 1,196 |
| Retained earnings to average equity (ytd only) | 4.1520% | 3,274 |
| Net charge-offs to loans | 0.0498% | 2,440 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 69.6818% | 937 |
| Efficiency ratio | 55.5781% | 4,462 |
| Assets per employee ($millions) | 4.5506% | 3,084 |
| Cash dividends to net income (ytd only)* | 69.1205% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7420% | 772 |
| Loan loss allowance to noncurrent loans | 223.1214% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.4224% | 2,873 |
| Noncurrent loans to loans | 0.7808% | 2,056 |
| Net loans and leases to total assets | 53.1601% | 4,342 |
| Net loans and leases to deposits | 62.1800% | 4,366 |
| Net loans and leases to core deposits | 62.1800% | 4,531 |
| Total domestic deposits to total assets | 85.4940% | 2,439 |
| Equity capital to assets | 14.4706% | 849 |
| Core capital (leverage) ratio | 15.1550% | 662 |
| Tier 1 risk-based capital ratio | 30.1347% | 470 |
| Total risk-based capital ratio | 31.3927% | 461 |
| Memoranda: | ||
| Average total assets | $78,745,600 | 4,442 |
| Average earning assets | $74,214,800 | 4,415 |
| Average equity | $11,416,200 | 4,096 |
| Average total loans | $44,147,000 | 4,447 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2774% | 3,050 |
| Cost of funding earning assets | 0.3002% | 4,516 |
| Net interest margin | 3.9772% | 2,019 |
| Noninterest income to average assets | 0.6003% | 2,304 |
| Noninterest expense to average assets | 2.3569% | 3,955 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.9823% | 397 |
| Return on assets (ROA) | 1.9823% | 391 |
| Pretax return on assets | 1.9823% | 647 |
| Return on Equity (ROE) | 13.6667% | 1,211 |
| Retained earnings to average equity (ytd only) | 1.1556% | 4,813 |
| Net charge-offs to loans | 0.0333% | 2,418 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 105.3367% | 718 |
| Efficiency ratio | 54.3161% | 4,577 |
| Assets per employee ($millions) | 4.2088% | 3,563 |
| Cash dividends to net income (ytd only)* | 91.5446% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7040% | 859 |
| Loan loss allowance to noncurrent loans | 109.4972% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.9451% | 1,547 |
| Noncurrent loans to loans | 1.5562% | 1,025 |
| Net loans and leases to total assets | 59.6972% | 3,875 |
| Net loans and leases to deposits | 70.5378% | 3,876 |
| Net loans and leases to core deposits | 70.5378% | 4,153 |
| Total domestic deposits to total assets | 84.6315% | 2,747 |
| Equity capital to assets | 15.1084% | 692 |
| Core capital (leverage) ratio | 14.8006% | 752 |
| Tier 1 risk-based capital ratio | 28.4534% | 544 |
| Total risk-based capital ratio | 29.7130% | 535 |
| Memoranda: | ||
| Average total assets | $77,954,250 | 4,509 |
| Average earning assets | $73,282,500 | 4,479 |
| Average equity | $11,307,000 | 4,155 |
| Average total loans | $44,104,750 | 4,500 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1864% | 3,156 |
| Cost of funding earning assets | 0.2919% | 4,474 |
| Net interest margin | 3.8945% | 2,219 |
| Noninterest income to average assets | 0.5668% | 2,492 |
| Noninterest expense to average assets | 2.3104% | 4,122 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.9190% | 446 |
| Return on assets (ROA) | 1.9190% | 444 |
| Pretax return on assets | 1.9190% | 742 |
| Return on Equity (ROE) | 13.4095% | 1,237 |
| Retained earnings to average equity (ytd only) | -2.2734% | 5,174 |
| Net charge-offs to loans | 0.0184% | 2,524 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 188.7500% | 437 |
| Efficiency ratio | 54.6274% | 4,621 |
| Assets per employee ($millions) | 4.3024% | 3,416 |
| Cash dividends to net income (ytd only)* | 116.9536% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7949% | 760 |
| Loan loss allowance to noncurrent loans | 187.2038% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.5449% | 2,596 |
| Noncurrent loans to loans | 0.9588% | 1,810 |
| Net loans and leases to total assets | 55.8132% | 4,181 |
| Net loans and leases to deposits | 65.4106% | 4,197 |
| Net loans and leases to core deposits | 65.4106% | 4,400 |
| Total domestic deposits to total assets | 85.3275% | 2,554 |
| Equity capital to assets | 14.4982% | 804 |
| Core capital (leverage) ratio | 14.5292% | 774 |
| Tier 1 risk-based capital ratio | 28.9571% | 519 |
| Total risk-based capital ratio | 30.2175% | 512 |
| Memoranda: | ||
| Average total assets | $78,686,000 | 4,543 |
| Average earning assets | $74,001,670 | 4,502 |
| Average equity | $11,260,670 | 4,191 |
| Average total loans | $43,469,670 | 4,557 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0381% | 3,473 |
| Cost of funding earning assets | 0.2850% | 4,458 |
| Net interest margin | 3.7531% | 2,603 |
| Noninterest income to average assets | 0.5447% | 2,551 |
| Noninterest expense to average assets | 2.3151% | 4,159 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7502% | 616 |
| Return on assets (ROA) | 1.7502% | 624 |
| Pretax return on assets | 1.7502% | 1,005 |
| Return on Equity (ROE) | 12.3082% | 1,472 |
| Retained earnings to average equity (ytd only) | -6.9522% | 5,282 |
| Net charge-offs to loans | 0.3889% | 403 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 8.2619% | 2,043 |
| Efficiency ratio | 56.9479% | 4,473 |
| Assets per employee ($millions) | 4.3359% | 3,418 |
| Cash dividends to net income (ytd only)* | 156.4841% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7526% | 859 |
| Loan loss allowance to noncurrent loans | 174.6512% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.5510% | 2,688 |
| Noncurrent loans to loans | 1.0035% | 1,819 |
| Net loans and leases to total assets | 53.9413% | 4,285 |
| Net loans and leases to deposits | 63.0309% | 4,270 |
| Net loans and leases to core deposits | 63.0309% | 4,489 |
| Total domestic deposits to total assets | 85.5790% | 2,717 |
| Equity capital to assets | 14.3134% | 814 |
| Core capital (leverage) ratio | 14.2703% | 813 |
| Tier 1 risk-based capital ratio | 27.9647% | 561 |
| Total risk-based capital ratio | 29.2235% | 559 |
| Memoranda: | ||
| Average total assets | $79,307,000 | 4,581 |
| Average earning assets | $74,392,000 | 4,546 |
| Average equity | $11,277,000 | 4,233 |
| Average total loans | $43,197,500 | 4,607 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2494% | 2,499 |
| Cost of funding earning assets | 0.2429% | 4,621 |
| Net interest margin | 4.0064% | 1,731 |
| Noninterest income to average assets | 0.6330% | 2,286 |
| Noninterest expense to average assets | 2.5729% | 3,533 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.8092% | 409 |
| Return on assets (ROA) | 1.8092% | 417 |
| Pretax return on assets | 1.8092% | 774 |
| Return on Equity (ROE) | 12.0968% | 1,180 |
| Retained earnings to average equity (ytd only) | 4.9880% | 2,133 |
| Net charge-offs to loans | -0.0250% | 5,013 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7139% | 4,443 |
| Assets per employee ($millions) | 4.4760% | 3,223 |
| Cash dividends to net income (ytd only)* | 58.7660% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8234% | 750 |
| Loan loss allowance to noncurrent loans | 262.9139% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 3,363 |
| Noncurrent loans to loans | 0.6935% | 2,478 |
| Net loans and leases to total assets | 53.0620% | 4,437 |
| Net loans and leases to deposits | 61.8155% | 4,470 |
| Net loans and leases to core deposits | 61.8155% | 4,668 |
| Total domestic deposits to total assets | 85.8393% | 2,513 |
| Equity capital to assets | 14.1284% | 867 |
| Core capital (leverage) ratio | 15.2128% | 588 |
| Tier 1 risk-based capital ratio | 28.4945% | 517 |
| Total risk-based capital ratio | 29.7537% | 511 |
| Memoranda: | ||
| Average total assets | $73,457,400 | 4,715 |
| Average earning assets | $68,739,400 | 4,688 |
| Average equity | $10,986,400 | 4,297 |
| Average total loans | $43,968,600 | 4,616 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2881% | 2,304 |
| Cost of funding earning assets | 0.2359% | 4,691 |
| Net interest margin | 4.0522% | 1,529 |
| Noninterest income to average assets | 0.6529% | 2,194 |
| Noninterest expense to average assets | 2.6060% | 3,391 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.8489% | 424 |
| Return on assets (ROA) | 1.8489% | 434 |
| Pretax return on assets | 1.8489% | 787 |
| Return on Equity (ROE) | 12.1730% | 1,285 |
| Retained earnings to average equity (ytd only) | 2.6085% | 4,325 |
| Net charge-offs to loans | -0.0121% | 4,684 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4969% | 4,434 |
| Assets per employee ($millions) | 3.9433% | 4,084 |
| Cash dividends to net income (ytd only)* | 78.5716% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7110% | 1,009 |
| Loan loss allowance to noncurrent loans | 257.1895% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.4311% | 3,303 |
| Noncurrent loans to loans | 0.6653% | 2,706 |
| Net loans and leases to total assets | 63.6940% | 3,449 |
| Net loans and leases to deposits | 75.6957% | 3,401 |
| Net loans and leases to core deposits | 75.6957% | 3,823 |
| Total domestic deposits to total assets | 84.1448% | 3,066 |
| Equity capital to assets | 15.5959% | 616 |
| Core capital (leverage) ratio | 15.9678% | 493 |
| Tier 1 risk-based capital ratio | 27.5072% | 589 |
| Total risk-based capital ratio | 28.7670% | 584 |
| Memoranda: | ||
| Average total assets | $71,679,750 | 4,801 |
| Average earning assets | $67,254,500 | 4,769 |
| Average equity | $10,887,250 | 4,361 |
| Average total loans | $44,074,500 | 4,659 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2243% | 2,381 |
| Cost of funding earning assets | 0.2317% | 4,700 |
| Net interest margin | 3.9926% | 1,626 |
| Noninterest income to average assets | 0.6452% | 2,228 |
| Noninterest expense to average assets | 2.5753% | 3,506 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.8077% | 444 |
| Return on assets (ROA) | 1.8077% | 459 |
| Pretax return on assets | 1.8077% | 825 |
| Return on Equity (ROE) | 12.0078% | 1,296 |
| Retained earnings to average equity (ytd only) | -0.0369% | 5,085 |
| Net charge-offs to loans | -0.0322% | 4,992 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7563% | 4,499 |
| Assets per employee ($millions) | 3.9181% | 4,103 |
| Cash dividends to net income (ytd only)* | 100.3077% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7673% | 951 |
| Loan loss allowance to noncurrent loans | 124.2138% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.9528% | 1,846 |
| Noncurrent loans to loans | 1.4228% | 1,339 |
| Net loans and leases to total assets | 62.2607% | 3,601 |
| Net loans and leases to deposits | 73.7512% | 3,570 |
| Net loans and leases to core deposits | 73.7512% | 3,961 |
| Total domestic deposits to total assets | 84.4199% | 3,044 |
| Equity capital to assets | 15.3915% | 634 |
| Core capital (leverage) ratio | 15.2037% | 597 |
| Tier 1 risk-based capital ratio | 27.6350% | 571 |
| Total risk-based capital ratio | 28.8947% | 556 |
| Memoranda: | ||
| Average total assets | $71,913,000 | 4,825 |
| Average earning assets | $67,324,000 | 4,795 |
| Average equity | $10,826,330 | 4,384 |
| Average total loans | $43,433,670 | 4,703 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0999% | 2,650 |
| Cost of funding earning assets | 0.2115% | 4,870 |
| Net interest margin | 3.8884% | 1,821 |
| Noninterest income to average assets | 0.6170% | 2,339 |
| Noninterest expense to average assets | 2.5067% | 3,788 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7574% | 491 |
| Return on assets (ROA) | 1.7574% | 500 |
| Pretax return on assets | 1.7574% | 889 |
| Return on Equity (ROE) | 11.8017% | 1,303 |
| Retained earnings to average equity (ytd only) | -2.7747% | 5,243 |
| Net charge-offs to loans | -0.0187% | 4,702 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7855% | 4,618 |
| Assets per employee ($millions) | 3.7829% | 4,367 |
| Cash dividends to net income (ytd only)* | 123.5110% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8395% | 891 |
| Loan loss allowance to noncurrent loans | 27.6994% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 3.9624% | 192 |
| Noncurrent loans to loans | 6.6409% | 86 |
| Net loans and leases to total assets | 58.2817% | 3,947 |
| Net loans and leases to deposits | 68.6665% | 3,924 |
| Net loans and leases to core deposits | 68.6665% | 4,244 |
| Total domestic deposits to total assets | 84.8765% | 3,133 |
| Equity capital to assets | 15.0038% | 655 |
| Core capital (leverage) ratio | 15.0470% | 597 |
| Tier 1 risk-based capital ratio | 28.1918% | 551 |
| Total risk-based capital ratio | 29.4515% | 535 |
| Memoranda: | ||
| Average total assets | $72,606,500 | 4,861 |
| Average earning assets | $68,099,500 | 4,828 |
| Average equity | $10,812,000 | 4,418 |
| Average total loans | $42,800,500 | 4,760 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2461% | 2,327 |
| Cost of funding earning assets | 0.2208% | 4,822 |
| Net interest margin | 4.0253% | 1,570 |
| Noninterest income to average assets | 0.7534% | 1,943 |
| Noninterest expense to average assets | 2.7085% | 3,320 |
| Loan and lease loss provision to assets | 0.1419% | 1,761 |
| Net operating income to assets | 1.6529% | 606 |
| Return on assets (ROA) | 1.6529% | 635 |
| Pretax return on assets | 1.6529% | 1,125 |
| Return on Equity (ROE) | 10.9703% | 1,588 |
| Retained earnings to average equity (ytd only) | 1.5726% | 4,627 |
| Net charge-offs to loans | 0.2143% | 1,296 |
| Credit loss provision to net charge-offs | 108.6957% | 2,415 |
| Earnings coverage of net charge-offs (x) | 13.7500% | 2,348 |
| Efficiency ratio | 60.1449% | 4,557 |
| Assets per employee ($millions) | 3.8599% | 4,209 |
| Cash dividends to net income (ytd only)* | 85.6652% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8241% | 908 |
| Loan loss allowance to noncurrent loans | 156.9138% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.6804% | 2,673 |
| Noncurrent loans to loans | 1.1625% | 1,765 |
| Net loans and leases to total assets | 57.4641% | 4,120 |
| Net loans and leases to deposits | 67.4558% | 4,133 |
| Net loans and leases to core deposits | 67.8905% | 4,408 |
| Total domestic deposits to total assets | 85.1878% | 2,961 |
| Equity capital to assets | 14.7809% | 674 |
| Core capital (leverage) ratio | 15.2922% | 563 |
| Tier 1 risk-based capital ratio | 28.4574% | 544 |
| Total risk-based capital ratio | 29.7175% | 536 |
| Memoranda: | ||
| Average total assets | $70,483,000 | 4,925 |
| Average earning assets | $65,660,200 | 4,901 |
| Average equity | $10,619,600 | 4,476 |
| Average total loans | $42,938,400 | 4,784 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3108% | 2,130 |
| Cost of funding earning assets | 0.2155% | 4,917 |
| Net interest margin | 4.0952% | 1,397 |
| Noninterest income to average assets | 0.7701% | 1,883 |
| Noninterest expense to average assets | 2.7213% | 3,289 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.8613% | 440 |
| Return on assets (ROA) | 1.8613% | 458 |
| Pretax return on assets | 1.8613% | 780 |
| Return on Equity (ROE) | 12.2924% | 1,236 |
| Retained earnings to average equity (ytd only) | -0.3029% | 5,417 |
| Net charge-offs to loans | 0.1521% | 1,477 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 19.8780% | 1,907 |
| Efficiency ratio | 59.3828% | 4,633 |
| Assets per employee ($millions) | 3.3505% | 4,979 |
| Cash dividends to net income (ytd only)* | 102.4641% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6351% | 1,368 |
| Loan loss allowance to noncurrent loans | 149.0760% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.7268% | 2,742 |
| Noncurrent loans to loans | 1.0968% | 2,062 |
| Net loans and leases to total assets | 65.1793% | 3,248 |
| Net loans and leases to deposits | 77.8192% | 3,203 |
| Net loans and leases to core deposits | 78.3777% | 3,625 |
| Total domestic deposits to total assets | 83.7574% | 3,291 |
| Equity capital to assets | 15.9471% | 562 |
| Core capital (leverage) ratio | 15.9662% | 479 |
| Tier 1 risk-based capital ratio | 27.5697% | 608 |
| Total risk-based capital ratio | 28.8261% | 592 |
| Memoranda: | ||
| Average total assets | $69,769,250 | 4,978 |
| Average earning assets | $64,951,750 | 4,961 |
| Average equity | $10,564,500 | 4,529 |
| Average total loans | $42,941,500 | 4,830 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1957% | 2,525 |
| Cost of funding earning assets | 0.2187% | 4,952 |
| Net interest margin | 3.9769% | 1,714 |
| Noninterest income to average assets | 0.7865% | 1,777 |
| Noninterest expense to average assets | 2.6624% | 3,515 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.8277% | 456 |
| Return on assets (ROA) | 1.8277% | 477 |
| Pretax return on assets | 1.8277% | 827 |
| Return on Equity (ROE) | 12.2767% | 1,218 |
| Retained earnings to average equity (ytd only) | -4.0289% | 5,693 |
| Net charge-offs to loans | 0.0141% | 3,256 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 215.3333% | 302 |
| Efficiency ratio | 59.2943% | 4,740 |
| Assets per employee ($millions) | 3.4154% | 4,894 |
| Cash dividends to net income (ytd only)* | 132.8173% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7566% | 1,166 |
| Loan loss allowance to noncurrent loans | 231.1377% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.4890% | 3,576 |
| Noncurrent loans to loans | 0.7600% | 2,842 |
| Net loans and leases to total assets | 63.2078% | 3,472 |
| Net loans and leases to deposits | 74.9102% | 3,489 |
| Net loans and leases to core deposits | 75.4337% | 3,871 |
| Total domestic deposits to total assets | 84.3781% | 3,126 |
| Equity capital to assets | 15.3950% | 651 |
| Core capital (leverage) ratio | 15.1371% | 589 |
| Tier 1 risk-based capital ratio | 26.5486% | 686 |
| Total risk-based capital ratio | 27.8071% | 668 |
| Memoranda: | ||
| Average total assets | $70,689,330 | 5,010 |
| Average earning assets | $65,829,670 | 4,983 |
| Average equity | $10,524,000 | 4,562 |
| Average total loans | $42,454,670 | 4,883 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1313% | 2,722 |
| Cost of funding earning assets | 0.2285% | 4,917 |
| Net interest margin | 3.9028% | 1,926 |
| Noninterest income to average assets | 0.4396% | 3,547 |
| Noninterest expense to average assets | 2.6322% | 3,650 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4190% | 1,010 |
| Return on assets (ROA) | 1.4190% | 1,064 |
| Pretax return on assets | 1.4190% | 1,849 |
| Return on Equity (ROE) | 9.6884% | 2,119 |
| Retained earnings to average equity (ytd only) | -12.2340% | 5,863 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9725% | 3,982 |
| Assets per employee ($millions) | 3.4604% | 4,867 |
| Cash dividends to net income (ytd only)* | 226.2745% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8445% | 1,068 |
| Loan loss allowance to noncurrent loans | 466.8675% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.3005% | 4,372 |
| Noncurrent loans to loans | 0.3951% | 4,019 |
| Net loans and leases to total assets | 59.5914% | 3,837 |
| Net loans and leases to deposits | 70.2051% | 3,841 |
| Net loans and leases to core deposits | 70.6864% | 4,184 |
| Total domestic deposits to total assets | 84.8818% | 3,173 |
| Equity capital to assets | 14.9968% | 696 |
| Core capital (leverage) ratio | 14.3449% | 728 |
| Tier 1 risk-based capital ratio | 26.9972% | 677 |
| Total risk-based capital ratio | 28.2568% | 658 |
| Memoranda: | ||
| Average total assets | $71,880,000 | 5,032 |
| Average earning assets | $66,517,000 | 5,009 |
| Average equity | $10,528,000 | 4,576 |
| Average total loans | $41,708,000 | 4,941 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9695% | 3,432 |
| Cost of funding earning assets | 0.2348% | 4,953 |
| Net interest margin | 3.7347% | 2,625 |
| Noninterest income to average assets | 0.6240% | 2,594 |
| Noninterest expense to average assets | 2.4789% | 4,295 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.6700% | 609 |
| Return on assets (ROA) | 1.6700% | 627 |
| Pretax return on assets | 1.6700% | 1,064 |
| Return on Equity (ROE) | 11.4543% | 1,454 |
| Retained earnings to average equity (ytd only) | 5.5674% | 2,039 |
| Net charge-offs to loans | 0.1242% | 2,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 23.6600% | 1,719 |
| Efficiency ratio | 59.7482% | 4,939 |
| Assets per employee ($millions) | 4.1418% | 3,675 |
| Cash dividends to net income (ytd only)* | 51.3948% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8720% | 1,006 |
| Loan loss allowance to noncurrent loans | 289.1791% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.4963% | 3,648 |
| Noncurrent loans to loans | 0.6474% | 3,242 |
| Net loans and leases to total assets | 54.4908% | 4,455 |
| Net loans and leases to deposits | 63.6231% | 4,497 |
| Net loans and leases to core deposits | 64.0242% | 4,737 |
| Total domestic deposits to total assets | 85.6463% | 2,787 |
| Equity capital to assets | 14.3215% | 825 |
| Core capital (leverage) ratio | 14.9453% | 628 |
| Tier 1 risk-based capital ratio | 27.5622% | 624 |
| Total risk-based capital ratio | 28.8224% | 610 |
| Memoranda: | ||
| Average total assets | $70,838,200 | 5,071 |
| Average earning assets | $66,859,800 | 5,024 |
| Average equity | $10,328,000 | 4,596 |
| Average total loans | $40,270,400 | 5,006 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9491% | 3,548 |
| Cost of funding earning assets | 0.2432% | 4,959 |
| Net interest margin | 3.7059% | 2,743 |
| Noninterest income to average assets | 0.5130% | 3,279 |
| Noninterest expense to average assets | 2.2467% | 4,919 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7832% | 540 |
| Return on assets (ROA) | 1.7832% | 561 |
| Pretax return on assets | 1.7832% | 928 |
| Return on Equity (ROE) | 12.1733% | 1,329 |
| Retained earnings to average equity (ytd only) | 4.2704% | 3,426 |
| Net charge-offs to loans | 0.0967% | 2,184 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 32.2379% | 1,426 |
| Efficiency ratio | 55.7501% | 5,380 |
| Assets per employee ($millions) | 3.7425% | 4,372 |
| Cash dividends to net income (ytd only)* | 64.9193% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9224% | 1,027 |
| Loan loss allowance to noncurrent loans | 256.7742% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.5938% | 3,497 |
| Noncurrent loans to loans | 0.7487% | 3,086 |
| Net loans and leases to total assets | 60.2850% | 3,842 |
| Net loans and leases to deposits | 71.5738% | 3,820 |
| Net loans and leases to core deposits | 72.0820% | 4,182 |
| Total domestic deposits to total assets | 84.2277% | 3,328 |
| Equity capital to assets | 15.5377% | 640 |
| Core capital (leverage) ratio | 15.4122% | 571 |
| Tier 1 risk-based capital ratio | 28.9506% | 571 |
| Total risk-based capital ratio | 30.2115% | 563 |
| Memoranda: | ||
| Average total assets | $69,909,750 | 5,160 |
| Average earning assets | $66,342,750 | 5,093 |
| Average equity | $10,240,750 | 4,667 |
| Average total loans | $39,988,250 | 5,065 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8315% | 3,949 |
| Cost of funding earning assets | 0.2441% | 5,007 |
| Net interest margin | 3.5874% | 3,139 |
| Noninterest income to average assets | 0.4466% | 3,731 |
| Noninterest expense to average assets | 2.1453% | 5,236 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7072% | 623 |
| Return on assets (ROA) | 1.7072% | 653 |
| Pretax return on assets | 1.7072% | 1,074 |
| Return on Equity (ROE) | 11.8835% | 1,408 |
| Retained earnings to average equity (ytd only) | 1.9675% | 4,716 |
| Net charge-offs to loans | 0.1012% | 1,992 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 30.2000% | 1,360 |
| Efficiency ratio | 55.6860% | 5,457 |
| Assets per employee ($millions) | 3.8311% | 4,200 |
| Cash dividends to net income (ytd only)* | 83.4437% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0008% | 986 |
| Loan loss allowance to noncurrent loans | 367.5799% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.4481% | 4,139 |
| Noncurrent loans to loans | 0.5443% | 3,824 |
| Net loans and leases to total assets | 57.1752% | 4,200 |
| Net loans and leases to deposits | 67.2328% | 4,203 |
| Net loans and leases to core deposits | 67.6945% | 4,511 |
| Total domestic deposits to total assets | 85.0406% | 3,106 |
| Equity capital to assets | 14.7955% | 743 |
| Core capital (leverage) ratio | 14.6622% | 675 |
| Tier 1 risk-based capital ratio | 25.1344% | 851 |
| Total risk-based capital ratio | 26.3933% | 834 |
| Memoranda: | ||
| Average total assets | $70,758,000 | 5,191 |
| Average earning assets | $67,180,330 | 5,123 |
| Average equity | $10,165,330 | 4,711 |
| Average total loans | $39,515,330 | 5,130 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8120% | 3,962 |
| Cost of funding earning assets | 0.2442% | 5,083 |
| Net interest margin | 3.5678% | 3,135 |
| Noninterest income to average assets | 0.4577% | 3,590 |
| Noninterest expense to average assets | 2.0877% | 5,415 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7137% | 573 |
| Return on assets (ROA) | 1.7137% | 602 |
| Pretax return on assets | 1.7137% | 1,025 |
| Return on Equity (ROE) | 12.1027% | 1,318 |
| Retained earnings to average equity (ytd only) | 0.3548% | 5,256 |
| Net charge-offs to loans | 0.1634% | 1,293 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 19.1875% | 1,454 |
| Efficiency ratio | 54.9192% | 5,602 |
| Assets per employee ($millions) | 3.9097% | 4,143 |
| Cash dividends to net income (ytd only)* | 97.0684% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0802% | 950 |
| Loan loss allowance to noncurrent loans | 242.2156% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.5812% | 3,742 |
| Noncurrent loans to loans | 0.8588% | 3,096 |
| Net loans and leases to total assets | 54.1123% | 4,430 |
| Net loans and leases to deposits | 63.3027% | 4,455 |
| Net loans and leases to core deposits | 63.7264% | 4,723 |
| Total domestic deposits to total assets | 85.4819% | 3,184 |
| Equity capital to assets | 14.4244% | 852 |
| Core capital (leverage) ratio | 14.2089% | 763 |
| Tier 1 risk-based capital ratio | 24.5793% | 928 |
| Total risk-based capital ratio | 25.8287% | 914 |
| Memoranda: | ||
| Average total assets | $71,657,000 | 5,212 |
| Average earning assets | $67,157,000 | 5,166 |
| Average equity | $10,146,500 | 4,751 |
| Average total loans | $39,156,500 | 5,172 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9720% | 3,831 |
| Cost of funding earning assets | 0.2484% | 5,338 |
| Net interest margin | 3.7236% | 2,908 |
| Noninterest income to average assets | 0.6039% | 2,835 |
| Noninterest expense to average assets | 2.5227% | 4,475 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.5415% | 810 |
| Return on assets (ROA) | 1.5415% | 839 |
| Pretax return on assets | 1.5415% | 1,408 |
| Return on Equity (ROE) | 11.0588% | 1,711 |
| Retained earnings to average equity (ytd only) | 2.6258% | 4,375 |
| Net charge-offs to loans | 0.2461% | 1,740 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 11.1735% | 2,532 |
| Efficiency ratio | 62.0714% | 4,906 |
| Assets per employee ($millions) | 4.0522% | 3,827 |
| Cash dividends to net income (ytd only)* | 76.2557% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0927% | 959 |
| Loan loss allowance to noncurrent loans | 195.4976% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.6265% | 3,706 |
| Noncurrent loans to loans | 1.0704% | 2,679 |
| Net loans and leases to total assets | 52.9175% | 4,698 |
| Net loans and leases to deposits | 61.4892% | 4,764 |
| Net loans and leases to core deposits | 61.8835% | 5,004 |
| Total domestic deposits to total assets | 86.0598% | 2,803 |
| Equity capital to assets | 13.9046% | 992 |
| Core capital (leverage) ratio | 14.4477% | 711 |
| Tier 1 risk-based capital ratio | 28.9697% | 569 |
| Total risk-based capital ratio | 30.2322% | 549 |
| Memoranda: | ||
| Average total assets | $71,034,400 | 5,255 |
| Average earning assets | $66,011,800 | 5,226 |
| Average equity | $9,901,600 | 4,769 |
| Average total loans | $39,816,800 | 5,192 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9932% | 3,787 |
| Cost of funding earning assets | 0.2500% | 5,416 |
| Net interest margin | 3.7433% | 2,844 |
| Noninterest income to average assets | 0.5631% | 3,113 |
| Noninterest expense to average assets | 2.4055% | 4,805 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6383% | 686 |
| Return on assets (ROA) | 1.6383% | 712 |
| Pretax return on assets | 1.6383% | 1,213 |
| Return on Equity (ROE) | 11.7459% | 1,544 |
| Retained earnings to average equity (ytd only) | 0.4336% | 5,682 |
| Net charge-offs to loans | 0.1704% | 2,093 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 16.9996% | 1,930 |
| Efficiency ratio | 59.4860% | 5,253 |
| Assets per employee ($millions) | 3.3294% | 5,189 |
| Cash dividends to net income (ytd only)* | 96.3096% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1709% | 984 |
| Loan loss allowance to noncurrent loans | 385.8407% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.3574% | 4,852 |
| Noncurrent loans to loans | 0.5627% | 4,232 |
| Net loans and leases to total assets | 59.0130% | 3,931 |
| Net loans and leases to deposits | 69.5610% | 3,967 |
| Net loans and leases to core deposits | 70.0571% | 4,314 |
| Total domestic deposits to total assets | 84.8364% | 3,405 |
| Equity capital to assets | 14.8888% | 755 |
| Core capital (leverage) ratio | 14.6121% | 696 |
| Tier 1 risk-based capital ratio | 28.8139% | 593 |
| Total risk-based capital ratio | 30.0811% | 582 |
| Memoranda: | ||
| Average total assets | $70,558,000 | 5,327 |
| Average earning assets | $65,609,500 | 5,291 |
| Average equity | $9,841,500 | 4,822 |
| Average total loans | $39,915,250 | 5,247 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9295% | 4,021 |
| Cost of funding earning assets | 0.2492% | 5,496 |
| Net interest margin | 3.6803% | 3,031 |
| Noninterest income to average assets | 0.6093% | 2,772 |
| Noninterest expense to average assets | 2.3455% | 5,039 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6750% | 607 |
| Return on assets (ROA) | 1.6750% | 644 |
| Pretax return on assets | 1.6750% | 1,075 |
| Return on Equity (ROE) | 12.2640% | 1,357 |
| Retained earnings to average equity (ytd only) | -1.9557% | 5,988 |
| Net charge-offs to loans | 0.2561% | 1,531 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 11.8039% | 2,116 |
| Efficiency ratio | 58.3391% | 5,513 |
| Assets per employee ($millions) | 3.6243% | 4,610 |
| Cash dividends to net income (ytd only)* | 115.9468% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1899% | 1,044 |
| Loan loss allowance to noncurrent loans | 162.0818% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.8684% | 3,371 |
| Noncurrent loans to loans | 1.3511% | 2,551 |
| Net loans and leases to total assets | 56.5603% | 4,188 |
| Net loans and leases to deposits | 66.0774% | 4,263 |
| Net loans and leases to core deposits | 66.5289% | 4,589 |
| Total domestic deposits to total assets | 85.5971% | 3,244 |
| Equity capital to assets | 14.2112% | 897 |
| Core capital (leverage) ratio | 14.0642% | 811 |
| Tier 1 risk-based capital ratio | 28.0924% | 640 |
| Total risk-based capital ratio | 29.3584% | 626 |
| Memoranda: | ||
| Average total assets | $71,881,670 | 5,336 |
| Average earning assets | $66,624,670 | 5,306 |
| Average equity | $9,817,330 | 4,841 |
| Average total loans | $39,831,330 | 5,284 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8267% | 4,374 |
| Cost of funding earning assets | 0.2512% | 5,571 |
| Net interest margin | 3.5755% | 3,362 |
| Noninterest income to average assets | 0.6649% | 2,374 |
| Noninterest expense to average assets | 2.2346% | 5,371 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7659% | 507 |
| Return on assets (ROA) | 1.7659% | 522 |
| Pretax return on assets | 1.7659% | 845 |
| Return on Equity (ROE) | 13.1801% | 1,117 |
| Retained earnings to average equity (ytd only) | -3.9459% | 6,056 |
| Net charge-offs to loans | 0.0402% | 2,825 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 532 |
| Efficiency ratio | 55.8583% | 5,847 |
| Assets per employee ($millions) | 3.7604% | 4,399 |
| Cash dividends to net income (ytd only)* | 129.9383% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3198% | 997 |
| Loan loss allowance to noncurrent loans | 137.3692% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 1.0049% | 3,255 |
| Noncurrent loans to loans | 1.6888% | 2,298 |
| Net loans and leases to total assets | 54.1604% | 4,391 |
| Net loans and leases to deposits | 62.8355% | 4,457 |
| Net loans and leases to core deposits | 63.2463% | 4,760 |
| Total domestic deposits to total assets | 86.1940% | 3,259 |
| Equity capital to assets | 13.6955% | 1,038 |
| Core capital (leverage) ratio | 13.4856% | 977 |
| Tier 1 risk-based capital ratio | 27.8505% | 651 |
| Total risk-based capital ratio | 29.1171% | 639 |
| Memoranda: | ||
| Average total assets | $73,392,000 | 5,354 |
| Average earning assets | $68,466,500 | 5,305 |
| Average equity | $9,833,000 | 4,861 |
| Average total loans | $39,837,000 | 5,332 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1909% | 3,378 |
| Cost of funding earning assets | 0.2803% | 5,759 |
| Net interest margin | 3.9106% | 2,253 |
| Noninterest income to average assets | 0.6500% | 2,807 |
| Noninterest expense to average assets | 2.5291% | 4,673 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.7840% | 499 |
| Return on assets (ROA) | 1.7840% | 514 |
| Pretax return on assets | 1.7840% | 782 |
| Return on Equity (ROE) | 13.1173% | 1,144 |
| Retained earnings to average equity (ytd only) | 2.6088% | 4,398 |
| Net charge-offs to loans | 0.2226% | 2,683 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 13.8132% | 1,989 |
| Efficiency ratio | 58.6377% | 5,659 |
| Assets per employee ($millions) | 4.1854% | 3,471 |
| Cash dividends to net income (ytd only)* | 80.1114% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3041% | 1,035 |
| Loan loss allowance to noncurrent loans | 116.9835% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 1.0752% | 3,259 |
| Noncurrent loans to loans | 1.9696% | 2,025 |
| Net loans and leases to total assets | 51.9479% | 4,859 |
| Net loans and leases to deposits | 59.8145% | 4,951 |
| Net loans and leases to core deposits | 60.1824% | 5,211 |
| Total domestic deposits to total assets | 86.8484% | 2,805 |
| Equity capital to assets | 13.1157% | 1,219 |
| Core capital (leverage) ratio | 13.8919% | 854 |
| Tier 1 risk-based capital ratio | 27.2798% | 656 |
| Total risk-based capital ratio | 28.5470% | 641 |
| Memoranda: | ||
| Average total assets | $70,460,200 | 5,458 |
| Average earning assets | $66,000,200 | 5,404 |
| Average equity | $9,582,800 | 4,952 |
| Average total loans | $40,880,000 | 5,307 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2989% | 2,999 |
| Cost of funding earning assets | 0.2884% | 5,824 |
| Net interest margin | 4.0105% | 1,905 |
| Noninterest income to average assets | 0.5392% | 3,527 |
| Noninterest expense to average assets | 2.4590% | 4,845 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.8293% | 495 |
| Return on assets (ROA) | 1.8293% | 511 |
| Pretax return on assets | 1.8293% | 841 |
| Return on Equity (ROE) | 13.3215% | 1,163 |
| Retained earnings to average equity (ytd only) | -0.7993% | 6,102 |
| Net charge-offs to loans | 0.3083% | 1,995 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 10.0003% | 2,409 |
| Efficiency ratio | 57.3417% | 5,761 |
| Assets per employee ($millions) | 3.4336% | 4,984 |
| Cash dividends to net income (ytd only)* | 105.9993% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2220% | 1,294 |
| Loan loss allowance to noncurrent loans | 103.4910% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 1.4547% | 2,767 |
| Noncurrent loans to loans | 2.1470% | 2,076 |
| Net loans and leases to total assets | 61.9899% | 3,361 |
| Net loans and leases to deposits | 73.0707% | 3,387 |
| Net loans and leases to core deposits | 73.6027% | 3,897 |
| Total domestic deposits to total assets | 84.8355% | 3,825 |
| Equity capital to assets | 14.6770% | 781 |
| Core capital (leverage) ratio | 14.5162% | 729 |
| Tier 1 risk-based capital ratio | 27.2971% | 682 |
| Total risk-based capital ratio | 28.5629% | 665 |
| Memoranda: | ||
| Average total assets | $69,241,000 | 5,554 |
| Average earning assets | $64,728,500 | 5,500 |
| Average equity | $9,508,250 | 5,032 |
| Average total loans | $41,085,250 | 5,350 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2054% | 3,349 |
| Cost of funding earning assets | 0.2874% | 5,923 |
| Net interest margin | 3.9180% | 2,155 |
| Noninterest income to average assets | 0.5186% | 3,710 |
| Noninterest expense to average assets | 2.3578% | 5,181 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.8307% | 480 |
| Return on assets (ROA) | 1.8307% | 516 |
| Pretax return on assets | 1.8307% | 864 |
| Return on Equity (ROE) | 13.6201% | 1,093 |
| Retained earnings to average equity (ytd only) | -4.4487% | 6,424 |
| Net charge-offs to loans | 0.1805% | 2,675 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 17.4595% | 1,605 |
| Efficiency ratio | 56.2923% | 5,933 |
| Assets per employee ($millions) | 3.8606% | 4,087 |
| Cash dividends to net income (ytd only)* | 132.6625% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3585% | 1,158 |
| Loan loss allowance to noncurrent loans | 176.9928% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.8505% | 4,114 |
| Noncurrent loans to loans | 1.3325% | 3,326 |
| Net loans and leases to total assets | 58.2061% | 3,953 |
| Net loans and leases to deposits | 67.6173% | 4,063 |
| Net loans and leases to core deposits | 68.0725% | 4,489 |
| Total domestic deposits to total assets | 86.0817% | 3,315 |
| Equity capital to assets | 13.5572% | 1,106 |
| Core capital (leverage) ratio | 13.7970% | 880 |
| Tier 1 risk-based capital ratio | 26.3245% | 747 |
| Total risk-based capital ratio | 27.5930% | 728 |
| Memoranda: | ||
| Average total assets | $70,575,330 | 5,553 |
| Average earning assets | $66,105,000 | 5,492 |
| Average equity | $9,486,000 | 5,063 |
| Average total loans | $40,993,670 | 5,377 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1810% | 3,378 |
| Cost of funding earning assets | 0.2815% | 6,099 |
| Net interest margin | 3.8995% | 2,120 |
| Noninterest income to average assets | 0.5400% | 3,497 |
| Noninterest expense to average assets | 2.4410% | 4,977 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7605% | 506 |
| Return on assets (ROA) | 1.7605% | 560 |
| Pretax return on assets | 1.7605% | 950 |
| Return on Equity (ROE) | 13.1533% | 1,133 |
| Retained earnings to average equity (ytd only) | -9.5393% | 6,596 |
| Net charge-offs to loans | 0.4807% | 1,246 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.3878% | 2,225 |
| Efficiency ratio | 58.0991% | 5,836 |
| Assets per employee ($millions) | 3.6863% | 4,592 |
| Cash dividends to net income (ytd only)* | 172.5240% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3777% | 1,283 |
| Loan loss allowance to noncurrent loans | 577.8443% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.3312% | 5,591 |
| Noncurrent loans to loans | 0.4115% | 5,384 |
| Net loans and leases to total assets | 56.5699% | 3,999 |
| Net loans and leases to deposits | 65.5391% | 4,116 |
| Net loans and leases to core deposits | 65.9756% | 4,534 |
| Total domestic deposits to total assets | 86.3148% | 3,348 |
| Equity capital to assets | 13.4282% | 1,235 |
| Core capital (leverage) ratio | 13.3006% | 1,014 |
| Tier 1 risk-based capital ratio | 26.7995% | 727 |
| Total risk-based capital ratio | 28.0675% | 718 |
| Memoranda: | ||
| Average total assets | $71,117,500 | 5,591 |
| Average earning assets | $66,777,500 | 5,522 |
| Average equity | $9,518,500 | 5,106 |
| Average total loans | $40,778,000 | 5,431 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8432% | 2,049 |
| Cost of funding earning assets | 0.3728% | 6,089 |
| Net interest margin | 4.4704% | 1,002 |
| Noninterest income to average assets | 0.7337% | 2,567 |
| Noninterest expense to average assets | 2.6684% | 4,515 |
| Loan and lease loss provision to assets | 0.1522% | 3,712 |
| Net operating income to assets | 2.1296% | 291 |
| Return on assets (ROA) | 2.1296% | 316 |
| Pretax return on assets | 2.1296% | 468 |
| Return on Equity (ROE) | 14.9332% | 819 |
| Retained earnings to average equity (ytd only) | 2.1028% | 4,745 |
| Net charge-offs to loans | 0.2099% | 3,709 |
| Credit loss provision to net charge-offs | 112.3596% | 2,595 |
| Earnings coverage of net charge-offs (x) | 16.8427% | 1,547 |
| Efficiency ratio | 53.9053% | 6,276 |
| Assets per employee ($millions) | 4.0109% | 3,924 |
| Cash dividends to net income (ytd only)* | 85.9185% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4750% | 1,156 |
| Loan loss allowance to noncurrent loans | 614.5455% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.6164% | 4,930 |
| Noncurrent loans to loans | 0.4027% | 5,482 |
| Net loans and leases to total assets | 55.3438% | 4,399 |
| Net loans and leases to deposits | 63.9634% | 4,537 |
| Net loans and leases to core deposits | 64.3756% | 4,917 |
| Total domestic deposits to total assets | 86.5242% | 3,088 |
| Equity capital to assets | 13.3415% | 1,291 |
| Core capital (leverage) ratio | 14.0143% | 800 |
| Tier 1 risk-based capital ratio | 26.6453% | 722 |
| Total risk-based capital ratio | 27.9150% | 708 |
| Memoranda: | ||
| Average total assets | $65,694,000 | 5,755 |
| Average earning assets | $61,962,600 | 5,670 |
| Average equity | $9,368,400 | 5,135 |
| Average total loans | $42,401,800 | 5,401 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9526% | 1,821 |
| Cost of funding earning assets | 0.3869% | 6,193 |
| Net interest margin | 4.5657% | 874 |
| Noninterest income to average assets | 0.6389% | 3,054 |
| Noninterest expense to average assets | 2.4869% | 5,124 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.4744% | 185 |
| Return on assets (ROA) | 2.4744% | 200 |
| Pretax return on assets | 2.4744% | 309 |
| Return on Equity (ROE) | 17.0415% | 606 |
| Retained earnings to average equity (ytd only) | -0.1863% | 6,113 |
| Net charge-offs to loans | 0.0530% | 4,910 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 69.9290% | 586 |
| Efficiency ratio | 50.1258% | 6,582 |
| Assets per employee ($millions) | 3.4424% | 5,108 |
| Cash dividends to net income (ytd only)* | 101.0938% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2343% | 1,643 |
| Loan loss allowance to noncurrent loans | 204.1408% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.9150% | 4,450 |
| Noncurrent loans to loans | 1.0945% | 4,243 |
| Net loans and leases to total assets | 69.6291% | 1,986 |
| Net loans and leases to deposits | 82.5457% | 2,044 |
| Net loans and leases to core deposits | 83.1823% | 2,799 |
| Total domestic deposits to total assets | 84.3522% | 4,059 |
| Equity capital to assets | 15.2056% | 773 |
| Core capital (leverage) ratio | 15.1835% | 581 |
| Tier 1 risk-based capital ratio | 25.7734% | 845 |
| Total risk-based capital ratio | 27.0400% | 831 |
| Memoranda: | ||
| Average total assets | $64,068,500 | 5,876 |
| Average earning assets | $60,653,000 | 5,783 |
| Average equity | $9,302,500 | 5,197 |
| Average total loans | $42,759,750 | 5,455 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8674% | 2,240 |
| Cost of funding earning assets | 0.3882% | 6,343 |
| Net interest margin | 4.4792% | 1,031 |
| Noninterest income to average assets | 0.6330% | 3,055 |
| Noninterest expense to average assets | 2.3591% | 5,598 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.5135% | 171 |
| Return on assets (ROA) | 2.5135% | 196 |
| Pretax return on assets | 2.5135% | 294 |
| Return on Equity (ROE) | 17.5759% | 560 |
| Retained earnings to average equity (ytd only) | -4.5775% | 6,594 |
| Net charge-offs to loans | 0.0236% | 5,061 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 162.8000% | 283 |
| Efficiency ratio | 48.4157% | 6,747 |
| Assets per employee ($millions) | 3.7049% | 4,510 |
| Cash dividends to net income (ytd only)* | 126.0442% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2632% | 1,650 |
| Loan loss allowance to noncurrent loans | 234.8235% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.8113% | 4,773 |
| Noncurrent loans to loans | 0.9638% | 4,582 |
| Net loans and leases to total assets | 68.4296% | 2,207 |
| Net loans and leases to deposits | 80.5017% | 2,312 |
| Net loans and leases to core deposits | 81.1077% | 3,070 |
| Total domestic deposits to total assets | 85.0039% | 3,860 |
| Equity capital to assets | 14.6452% | 871 |
| Core capital (leverage) ratio | 14.3216% | 731 |
| Tier 1 risk-based capital ratio | 25.2872% | 874 |
| Total risk-based capital ratio | 26.5565% | 857 |
| Memoranda: | ||
| Average total assets | $64,770,000 | 5,894 |
| Average earning assets | $61,305,330 | 5,790 |
| Average equity | $9,262,670 | 5,210 |
| Average total loans | $42,302,670 | 5,503 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8563% | 2,415 |
| Cost of funding earning assets | 0.3810% | 6,501 |
| Net interest margin | 4.4753% | 1,060 |
| Noninterest income to average assets | 0.6335% | 3,038 |
| Noninterest expense to average assets | 2.3757% | 5,550 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.4793% | 186 |
| Return on assets (ROA) | 2.4793% | 225 |
| Pretax return on assets | 2.4793% | 340 |
| Return on Equity (ROE) | 17.5393% | 602 |
| Retained earnings to average equity (ytd only) | -13.1868% | 6,934 |
| Net charge-offs to loans | -0.1352% | 6,889 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9335% | 6,742 |
| Assets per employee ($millions) | 4.0838% | 3,836 |
| Cash dividends to net income (ytd only)* | 175.1843% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4101% | 1,489 |
| Loan loss allowance to noncurrent loans | 198.2456% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.9320% | 4,653 |
| Noncurrent loans to loans | 1.2157% | 4,301 |
| Net loans and leases to total assets | 63.0232% | 3,039 |
| Net loans and leases to deposits | 73.4465% | 3,207 |
| Net loans and leases to core deposits | 73.9743% | 3,904 |
| Total domestic deposits to total assets | 85.8083% | 3,637 |
| Equity capital to assets | 13.9713% | 1,036 |
| Core capital (leverage) ratio | 13.7386% | 870 |
| Tier 1 risk-based capital ratio | 25.4389% | 861 |
| Total risk-based capital ratio | 26.7096% | 838 |
| Memoranda: | ||
| Average total assets | $65,663,500 | 5,899 |
| Average earning assets | $61,940,000 | 5,812 |
| Average equity | $9,282,000 | 5,219 |
| Average total loans | $41,405,500 | 5,574 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4184% | 1,368 |
| Cost of funding earning assets | 0.4639% | 6,685 |
| Net interest margin | 4.9545% | 453 |
| Noninterest income to average assets | 0.8150% | 1,981 |
| Noninterest expense to average assets | 2.7501% | 4,550 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 2.7058% | 108 |
| Return on assets (ROA) | 2.7058% | 109 |
| Pretax return on assets | 2.7058% | 161 |
| Return on Equity (ROE) | 18.4597% | 352 |
| Retained earnings to average equity (ytd only) | 6.7685% | 1,610 |
| Net charge-offs to loans | 0.1272% | 5,123 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 31.1321% | 821 |
| Efficiency ratio | 50.4058% | 6,805 |
| Assets per employee ($millions) | 4.1241% | 3,601 |
| Cash dividends to net income (ytd only)* | 63.3333% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4696% | 1,357 |
| Loan loss allowance to noncurrent loans | 195.5166% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.9563% | 4,697 |
| Noncurrent loans to loans | 1.2631% | 4,260 |
| Net loans and leases to total assets | 60.0294% | 3,986 |
| Net loans and leases to deposits | 70.1378% | 4,076 |
| Net loans and leases to core deposits | 70.6381% | 4,700 |
| Total domestic deposits to total assets | 85.5879% | 3,546 |
| Equity capital to assets | 14.2985% | 970 |
| Core capital (leverage) ratio | 15.0630% | 593 |
| Tier 1 risk-based capital ratio | 26.8230% | 722 |
| Total risk-based capital ratio | 28.0938% | 697 |
| Memoranda: | ||
| Average total assets | $60,979,600 | 6,007 |
| Average earning assets | $57,119,800 | 5,949 |
| Average equity | $8,938,400 | 5,296 |
| Average total loans | $41,681,600 | 5,610 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5764% | 1,085 |
| Cost of funding earning assets | 0.4828% | 6,773 |
| Net interest margin | 5.0936% | 346 |
| Noninterest income to average assets | 0.7121% | 2,530 |
| Noninterest expense to average assets | 2.5136% | 5,418 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.9555% | 97 |
| Return on assets (ROA) | 2.9555% | 100 |
| Pretax return on assets | 2.9555% | 144 |
| Return on Equity (ROE) | 20.0277% | 315 |
| Retained earnings to average equity (ytd only) | 4.2052% | 3,741 |
| Net charge-offs to loans | 0.0413% | 5,576 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 101.8632% | 358 |
| Efficiency ratio | 45.9592% | 7,063 |
| Assets per employee ($millions) | 3.5743% | 4,816 |
| Cash dividends to net income (ytd only)* | 79.0029% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3758% | 1,575 |
| Loan loss allowance to noncurrent loans | 239.7701% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.9932% | 4,769 |
| Noncurrent loans to loans | 0.9909% | 4,907 |
| Net loans and leases to total assets | 74.9410% | 1,152 |
| Net loans and leases to deposits | 89.5524% | 1,265 |
| Net loans and leases to core deposits | 90.3072% | 2,212 |
| Total domestic deposits to total assets | 83.6839% | 4,384 |
| Equity capital to assets | 15.9261% | 639 |
| Core capital (leverage) ratio | 15.7387% | 540 |
| Tier 1 risk-based capital ratio | 25.1874% | 898 |
| Total risk-based capital ratio | 26.4567% | 888 |
| Memoranda: | ||
| Average total assets | $59,728,000 | 6,096 |
| Average earning assets | $55,781,250 | 6,039 |
| Average equity | $8,814,250 | 5,355 |
| Average total loans | $41,948,500 | 5,649 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3675% | 1,658 |
| Cost of funding earning assets | 0.4870% | 6,884 |
| Net interest margin | 4.8805% | 511 |
| Noninterest income to average assets | 0.6703% | 2,712 |
| Noninterest expense to average assets | 2.5027% | 5,524 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.7338% | 130 |
| Return on assets (ROA) | 2.7338% | 131 |
| Pretax return on assets | 2.7338% | 185 |
| Return on Equity (ROE) | 18.9988% | 387 |
| Retained earnings to average equity (ytd only) | -1.9504% | 6,242 |
| Net charge-offs to loans | 0.0194% | 5,569 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 207.0000% | 178 |
| Efficiency ratio | 47.7932% | 7,070 |
| Assets per employee ($millions) | 3.6983% | 4,449 |
| Cash dividends to net income (ytd only)* | 110.2657% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4344% | 1,542 |
| Loan loss allowance to noncurrent loans | 260.3960% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.8129% | 5,254 |
| Noncurrent loans to loans | 0.9349% | 5,100 |
| Net loans and leases to total assets | 71.2533% | 1,951 |
| Net loans and leases to deposits | 83.8761% | 2,127 |
| Net loans and leases to core deposits | 84.9800% | 3,076 |
| Total domestic deposits to total assets | 84.9507% | 3,895 |
| Equity capital to assets | 14.7789% | 873 |
| Core capital (leverage) ratio | 14.5755% | 750 |
| Tier 1 risk-based capital ratio | 24.4656% | 959 |
| Total risk-based capital ratio | 25.7358% | 936 |
| Memoranda: | ||
| Average total assets | $60,574,330 | 6,121 |
| Average earning assets | $56,674,670 | 6,067 |
| Average equity | $8,716,330 | 5,403 |
| Average total loans | $41,297,670 | 5,745 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2206% | 2,156 |
| Cost of funding earning assets | 0.4955% | 6,984 |
| Net interest margin | 4.7251% | 667 |
| Noninterest income to average assets | 0.6397% | 2,900 |
| Noninterest expense to average assets | 2.4871% | 5,602 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.5720% | 164 |
| Return on assets (ROA) | 2.5720% | 172 |
| Pretax return on assets | 2.5720% | 230 |
| Return on Equity (ROE) | 18.1108% | 473 |
| Retained earnings to average equity (ytd only) | -11.7674% | 6,932 |
| Net charge-offs to loans | -0.1388% | 7,177 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1613% | 7,052 |
| Assets per employee ($millions) | 3.7899% | 4,321 |
| Cash dividends to net income (ytd only)* | 164.9746% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6089% | 1,300 |
| Loan loss allowance to noncurrent loans | 221.5321% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.8905% | 5,124 |
| Noncurrent loans to loans | 1.1776% | 4,723 |
| Net loans and leases to total assets | 65.8729% | 3,047 |
| Net loans and leases to deposits | 76.8819% | 3,274 |
| Net loans and leases to core deposits | 77.8590% | 4,038 |
| Total domestic deposits to total assets | 85.6806% | 3,701 |
| Equity capital to assets | 14.1396% | 966 |
| Core capital (leverage) ratio | 13.9112% | 874 |
| Tier 1 risk-based capital ratio | 24.9614% | 878 |
| Total risk-based capital ratio | 26.2337% | 863 |
| Memoranda: | ||
| Average total assets | $61,275,500 | 6,146 |
| Average earning assets | $57,311,000 | 6,092 |
| Average equity | $8,702,000 | 5,407 |
| Average total loans | $40,339,500 | 5,834 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5490% | 2,086 |
| Cost of funding earning assets | 0.6517% | 7,001 |
| Net interest margin | 4.8973% | 553 |
| Noninterest income to average assets | 0.7790% | 2,383 |
| Noninterest expense to average assets | 2.8083% | 4,573 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 2.5194% | 113 |
| Return on assets (ROA) | 2.5194% | 117 |
| Pretax return on assets | 2.5194% | 179 |
| Return on Equity (ROE) | 16.5612% | 520 |
| Retained earnings to average equity (ytd only) | 0.1017% | 5,534 |
| Net charge-offs to loans | 0.0542% | 6,248 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 69.7619% | 349 |
| Efficiency ratio | 52.7114% | 6,932 |
| Assets per employee ($millions) | 3.8696% | 4,081 |
| Cash dividends to net income (ytd only)* | 99.3857% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6623% | 1,214 |
| Loan loss allowance to noncurrent loans | 320.9726% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.6848% | 5,634 |
| Noncurrent loans to loans | 0.8294% | 5,394 |
| Net loans and leases to total assets | 62.3601% | 4,210 |
| Net loans and leases to deposits | 72.8018% | 4,379 |
| Net loans and leases to core deposits | 73.7066% | 5,016 |
| Total domestic deposits to total assets | 85.6573% | 3,522 |
| Equity capital to assets | 14.2619% | 963 |
| Core capital (leverage) ratio | 14.1920% | 809 |
| Tier 1 risk-based capital ratio | 26.2290% | 739 |
| Total risk-based capital ratio | 27.5033% | 716 |
| Memoranda: | ||
| Average total assets | $58,148,800 | 6,270 |
| Average earning assets | $54,009,600 | 6,215 |
| Average equity | $8,846,000 | 5,466 |
| Average total loans | $38,719,200 | 5,979 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6149% | 2,013 |
| Cost of funding earning assets | 0.6776% | 7,114 |
| Net interest margin | 4.9373% | 512 |
| Noninterest income to average assets | 0.6642% | 3,044 |
| Noninterest expense to average assets | 2.6732% | 4,989 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.5590% | 127 |
| Return on assets (ROA) | 2.5590% | 135 |
| Pretax return on assets | 2.5590% | 209 |
| Return on Equity (ROE) | 16.5419% | 648 |
| Retained earnings to average equity (ytd only) | 3.6459% | 3,886 |
| Net charge-offs to loans | -0.0208% | 7,361 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0913% | 7,066 |
| Assets per employee ($millions) | 3.5216% | 4,928 |
| Cash dividends to net income (ytd only)* | 77.9598% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6891% | 1,093 |
| Loan loss allowance to noncurrent loans | 483.4821% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.5111% | 6,148 |
| Noncurrent loans to loans | 0.5562% | 6,089 |
| Net loans and leases to total assets | 69.5536% | 2,837 |
| Net loans and leases to deposits | 83.1830% | 2,872 |
| Net loans and leases to core deposits | 83.8953% | 3,955 |
| Total domestic deposits to total assets | 83.6152% | 4,310 |
| Equity capital to assets | 16.0831% | 656 |
| Core capital (leverage) ratio | 16.5262% | 488 |
| Tier 1 risk-based capital ratio | 27.4739% | 660 |
| Total risk-based capital ratio | 28.7503% | 651 |
| Memoranda: | ||
| Average total assets | $57,207,750 | 6,379 |
| Average earning assets | $52,929,250 | 6,332 |
| Average equity | $8,850,000 | 5,538 |
| Average total loans | $38,482,750 | 6,072 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4873% | 2,575 |
| Cost of funding earning assets | 0.7056% | 7,185 |
| Net interest margin | 4.7817% | 678 |
| Noninterest income to average assets | 0.6714% | 2,880 |
| Noninterest expense to average assets | 2.6611% | 5,076 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.4419% | 149 |
| Return on assets (ROA) | 2.4419% | 155 |
| Pretax return on assets | 2.4419% | 255 |
| Return on Equity (ROE) | 15.9921% | 702 |
| Retained earnings to average equity (ytd only) | -0.5923% | 5,873 |
| Net charge-offs to loans | -0.1531% | 7,613 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1472% | 7,050 |
| Assets per employee ($millions) | 3.4463% | 5,055 |
| Cash dividends to net income (ytd only)* | 103.7037% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8209% | 981 |
| Loan loss allowance to noncurrent loans | 192.3478% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 1.1770% | 4,788 |
| Noncurrent loans to loans | 1.4665% | 4,511 |
| Net loans and leases to total assets | 69.1005% | 3,105 |
| Net loans and leases to deposits | 82.4344% | 3,194 |
| Net loans and leases to core deposits | 83.1540% | 4,254 |
| Total domestic deposits to total assets | 83.8248% | 4,189 |
| Equity capital to assets | 15.9503% | 678 |
| Core capital (leverage) ratio | 15.6042% | 621 |
| Tier 1 risk-based capital ratio | 27.5076% | 665 |
| Total risk-based capital ratio | 28.7837% | 647 |
| Memoranda: | ||
| Average total assets | $57,495,330 | 6,416 |
| Average earning assets | $53,286,670 | 6,354 |
| Average equity | $8,779,330 | 5,567 |
| Average total loans | $37,886,000 | 6,141 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3821% | 3,131 |
| Cost of funding earning assets | 0.7052% | 7,324 |
| Net interest margin | 4.6769% | 823 |
| Noninterest income to average assets | 0.6613% | 2,874 |
| Noninterest expense to average assets | 2.4406% | 5,945 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.5156% | 145 |
| Return on assets (ROA) | 2.5156% | 160 |
| Pretax return on assets | 2.5156% | 246 |
| Return on Equity (ROE) | 16.8272% | 625 |
| Retained earnings to average equity (ytd only) | -4.6970% | 6,563 |
| Net charge-offs to loans | -0.1719% | 7,644 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2435% | 7,362 |
| Assets per employee ($millions) | 3.8518% | 4,199 |
| Cash dividends to net income (ytd only)* | 127.9133% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9252% | 875 |
| Loan loss allowance to noncurrent loans | 473.1602% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.5400% | 6,152 |
| Noncurrent loans to loans | 0.6182% | 6,075 |
| Net loans and leases to total assets | 62.7793% | 4,593 |
| Net loans and leases to deposits | 74.0290% | 4,734 |
| Net loans and leases to core deposits | 74.6384% | 5,428 |
| Total domestic deposits to total assets | 84.8036% | 3,759 |
| Equity capital to assets | 15.0890% | 863 |
| Core capital (leverage) ratio | 14.9067% | 765 |
| Tier 1 risk-based capital ratio | 27.9409% | 643 |
| Total risk-based capital ratio | 29.2198% | 629 |
| Memoranda: | ||
| Average total assets | $58,673,000 | 6,443 |
| Average earning assets | $53,882,000 | 6,395 |
| Average equity | $8,771,500 | 5,603 |
| Average total loans | $37,225,000 | 6,251 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8881% | 2,287 |
| Cost of funding earning assets | 0.9625% | 7,282 |
| Net interest margin | 4.9256% | 528 |
| Noninterest income to average assets | 0.7806% | 2,505 |
| Noninterest expense to average assets | 2.8811% | 4,604 |
| Loan and lease loss provision to assets | 0.0266% | 7,247 |
| Net operating income to assets | 2.5121% | 89 |
| Return on assets (ROA) | 2.5121% | 97 |
| Pretax return on assets | 2.5121% | 155 |
| Return on Equity (ROE) | 16.7995% | 473 |
| Retained earnings to average equity (ytd only) | 6.8456% | 1,020 |
| Net charge-offs to loans | 0.0392% | 6,722 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 95.4000% | 294 |
| Efficiency ratio | 53.1588% | 7,309 |
| Assets per employee ($millions) | 3.9713% | 3,870 |
| Cash dividends to net income (ytd only)* | 59.2514% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9041% | 840 |
| Loan loss allowance to noncurrent loans | 204.3643% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.9384% | 5,228 |
| Noncurrent loans to loans | 1.4211% | 4,551 |
| Net loans and leases to total assets | 60.4475% | 5,269 |
| Net loans and leases to deposits | 71.0133% | 5,466 |
| Net loans and leases to core deposits | 74.8841% | 6,476 |
| Total domestic deposits to total assets | 85.1215% | 3,499 |
| Equity capital to assets | 14.8148% | 948 |
| Core capital (leverage) ratio | 15.6437% | 673 |
| Tier 1 risk-based capital ratio | 28.1677% | 631 |
| Total risk-based capital ratio | 29.4450% | 609 |
| Memoranda: | ||
| Average total assets | $56,366,600 | 6,481 |
| Average earning assets | $53,090,400 | 6,408 |
| Average equity | $8,428,800 | 5,789 |
| Average total loans | $38,223,600 | 6,191 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9403% | 2,272 |
| Cost of funding earning assets | 1.0292% | 7,328 |
| Net interest margin | 4.9112% | 539 |
| Noninterest income to average assets | 0.7294% | 2,828 |
| Noninterest expense to average assets | 2.6154% | 5,658 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.7858% | 73 |
| Return on assets (ROA) | 2.7858% | 83 |
| Pretax return on assets | 2.7858% | 133 |
| Return on Equity (ROE) | 18.5835% | 396 |
| Retained earnings to average equity (ytd only) | 5.1541% | 2,401 |
| Net charge-offs to loans | 0.0935% | 5,746 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 42.9989% | 712 |
| Efficiency ratio | 48.4229% | 7,649 |
| Assets per employee ($millions) | 3.3136% | 5,360 |
| Cash dividends to net income (ytd only)* | 72.2654% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6437% | 929 |
| Loan loss allowance to noncurrent loans | 321.1009% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.7016% | 5,728 |
| Noncurrent loans to loans | 0.8233% | 5,651 |
| Net loans and leases to total assets | 72.9318% | 2,815 |
| Net loans and leases to deposits | 87.2647% | 3,097 |
| Net loans and leases to core deposits | 93.4640% | 5,075 |
| Total domestic deposits to total assets | 83.5754% | 3,917 |
| Equity capital to assets | 16.1643% | 767 |
| Core capital (leverage) ratio | 15.9491% | 684 |
| Tier 1 risk-based capital ratio | 26.8151% | 762 |
| Total risk-based capital ratio | 28.0893% | 740 |
| Memoranda: | ||
| Average total assets | $55,566,000 | 6,560 |
| Average earning assets | $52,857,750 | 6,462 |
| Average equity | $8,329,750 | 5,881 |
| Average total loans | $38,508,250 | 6,226 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8861% | 2,653 |
| Cost of funding earning assets | 1.1162% | 7,338 |
| Net interest margin | 4.7699% | 700 |
| Noninterest income to average assets | 0.7126% | 2,911 |
| Noninterest expense to average assets | 2.4993% | 6,130 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.7581% | 76 |
| Return on assets (ROA) | 2.7581% | 85 |
| Pretax return on assets | 2.7581% | 137 |
| Return on Equity (ROE) | 18.8614% | 412 |
| Retained earnings to average equity (ytd only) | 1.9880% | 4,234 |
| Net charge-offs to loans | 0.1260% | 4,905 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 32.4167% | 945 |
| Efficiency ratio | 47.5388% | 7,775 |
| Assets per employee ($millions) | 3.2150% | 5,549 |
| Cash dividends to net income (ytd only)* | 89.4602% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6934% | 758 |
| Loan loss allowance to noncurrent loans | 216.8724% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.9990% | 4,971 |
| Noncurrent loans to loans | 1.2420% | 4,726 |
| Net loans and leases to total assets | 69.6697% | 3,777 |
| Net loans and leases to deposits | 82.3949% | 4,159 |
| Net loans and leases to core deposits | 87.7474% | 5,746 |
| Total domestic deposits to total assets | 84.5559% | 3,474 |
| Equity capital to assets | 15.2374% | 976 |
| Core capital (leverage) ratio | 14.7012% | 973 |
| Tier 1 risk-based capital ratio | 26.2451% | 836 |
| Total risk-based capital ratio | 27.5218% | 809 |
| Memoranda: | ||
| Average total assets | $56,415,330 | 6,574 |
| Average earning assets | $53,753,670 | 6,483 |
| Average equity | $8,249,670 | 5,935 |
| Average total loans | $38,105,330 | 6,291 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7358% | 3,607 |
| Cost of funding earning assets | 1.2697% | 7,118 |
| Net interest margin | 4.4661% | 1,199 |
| Noninterest income to average assets | 0.6283% | 3,358 |
| Noninterest expense to average assets | 2.4574% | 6,000 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.3946% | 157 |
| Return on assets (ROA) | 2.3946% | 187 |
| Pretax return on assets | 2.3946% | 305 |
| Return on Equity (ROE) | 16.7103% | 721 |
| Retained earnings to average equity (ytd only) | -3.2641% | 6,322 |
| Net charge-offs to loans | 0.2873% | 2,966 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 12.7037% | 1,783 |
| Efficiency ratio | 50.6475% | 7,541 |
| Assets per employee ($millions) | 3.3889% | 5,101 |
| Cash dividends to net income (ytd only)* | 119.5335% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8089% | 573 |
| Loan loss allowance to noncurrent loans | 418.7251% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.5954% | 5,695 |
| Noncurrent loans to loans | 0.6708% | 5,731 |
| Net loans and leases to total assets | 63.1234% | 5,137 |
| Net loans and leases to deposits | 73.6974% | 5,522 |
| Net loans and leases to core deposits | 78.1896% | 6,520 |
| Total domestic deposits to total assets | 85.6520% | 2,899 |
| Equity capital to assets | 14.1935% | 1,312 |
| Core capital (leverage) ratio | 14.3265% | 1,126 |
| Tier 1 risk-based capital ratio | 26.3876% | 857 |
| Total risk-based capital ratio | 27.6655% | 839 |
| Memoranda: | ||
| Average total assets | $57,295,500 | 6,569 |
| Average earning assets | $54,186,000 | 6,491 |
| Average equity | $8,210,500 | 5,985 |
| Average total loans | $37,592,000 | 6,351 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7837% | 1,739 |
| Cost of funding earning assets | 1.7823% | 7,054 |
| Net interest margin | 5.0013% | 508 |
| Noninterest income to average assets | 0.8412% | 2,289 |
| Noninterest expense to average assets | 3.0810% | 3,780 |
| Loan and lease loss provision to assets | 0.1846% | 5,048 |
| Net operating income to assets | 2.2690% | 207 |
| Return on assets (ROA) | 2.2690% | 204 |
| Pretax return on assets | 2.2690% | 340 |
| Return on Equity (ROE) | 14.6088% | 994 |
| Retained earnings to average equity (ytd only) | 2.8517% | 3,401 |
| Net charge-offs to loans | 0.1345% | 4,880 |
| Credit loss provision to net charge-offs | 179.2453% | 2,818 |
| Earnings coverage of net charge-offs (x) | 23.8302% | 1,397 |
| Efficiency ratio | 55.6687% | 7,061 |
| Assets per employee ($millions) | 3.3518% | 5,089 |
| Cash dividends to net income (ytd only)* | 80.4795% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8517% | 490 |
| Loan loss allowance to noncurrent loans | 979.0909% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.2229% | 6,682 |
| Noncurrent loans to loans | 0.2913% | 6,503 |
| Net loans and leases to total assets | 64.3910% | 5,193 |
| Net loans and leases to deposits | 75.3883% | 5,673 |
| Net loans and leases to core deposits | 80.2195% | 6,600 |
| Total domestic deposits to total assets | 85.4124% | 2,658 |
| Equity capital to assets | 14.4682% | 1,305 |
| Core capital (leverage) ratio | 15.1519% | 991 |
| Tier 1 risk-based capital ratio | 26.7194% | 845 |
| Total risk-based capital ratio | 27.9964% | 825 |
| Memoranda: | ||
| Average total assets | $51,476,000 | 6,712 |
| Average earning assets | $48,307,200 | 6,660 |
| Average equity | $7,995,200 | 6,090 |
| Average total loans | $39,400,400 | 6,199 |