Home > State Bank of Southwest Missouri > Performance and Condition Ratios
State Bank of Southwest Missouri, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5170% | 2,064 |
| Cost of funding earning assets | 1.5586% | 3,058 |
| Net interest margin | 3.9584% | 1,370 |
| Noninterest income to average assets | 0.5600% | 1,482 |
| Noninterest expense to average assets | 3.2885% | 780 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.9307% | 2,476 |
| Return on assets (ROA) | 0.9307% | 2,478 |
| Pretax return on assets | 0.9307% | 2,894 |
| Return on Equity (ROE) | 12.9600% | 1,498 |
| Retained earnings to average equity (ytd only) | 1.6929% | 3,379 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 77.9412% | 1,096 |
| Assets per employee ($millions) | 5.4866% | 3,340 |
| Cash dividends to net income (ytd only)* | 86.9333% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6151% | 4,150 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 79.0200% | 711 |
| Net loans and leases to deposits | 88.7272% | 1,235 |
| Net loans and leases to core deposits | 92.8701% | 1,846 |
| Total domestic deposits to total assets | 89.0500% | 1,162 |
| Equity capital to assets | 7.1015% | 3,999 |
| Core capital (leverage) ratio | 7.9675% | 4,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1813% | 2,665 |
| Memoranda: | ||
| Average total assets | $161,166,500 | 3,285 |
| Average earning assets | $148,848,000 | 3,284 |
| Average equity | $11,577,500 | 3,650 |
| Average total loans | $131,278,500 | 2,926 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4581% | 2,224 |
| Cost of funding earning assets | 1.5723% | 3,223 |
| Net interest margin | 3.8858% | 1,377 |
| Noninterest income to average assets | 0.5700% | 1,625 |
| Noninterest expense to average assets | 3.2766% | 785 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.9320% | 2,278 |
| Return on assets (ROA) | 0.9320% | 2,283 |
| Pretax return on assets | 0.9538% | 2,652 |
| Return on Equity (ROE) | 14.1100% | 1,101 |
| Retained earnings to average equity (ytd only) | 3.4221% | 2,859 |
| Net charge-offs to loans | -0.0008% | 3,723 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 77.4540% | 1,253 |
| Assets per employee ($millions) | 5.2578% | 3,465 |
| Cash dividends to net income (ytd only)* | 75.7515% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6113% | 4,171 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 82.9800% | 357 |
| Net loans and leases to deposits | 93.4854% | 903 |
| Net loans and leases to core deposits | 98.0170% | 1,589 |
| Total domestic deposits to total assets | 88.7600% | 1,242 |
| Equity capital to assets | 7.2692% | 3,864 |
| Core capital (leverage) ratio | 7.8019% | 4,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2873% | 2,691 |
| Memoranda: | ||
| Average total assets | $160,623,800 | 3,274 |
| Average earning assets | $151,372,200 | 3,242 |
| Average equity | $10,607,600 | 3,712 |
| Average total loans | $128,881,000 | 2,914 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4009% | 2,263 |
| Cost of funding earning assets | 1.5899% | 3,196 |
| Net interest margin | 3.8110% | 1,436 |
| Noninterest income to average assets | 0.5300% | 1,766 |
| Noninterest expense to average assets | 3.1079% | 962 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.9809% | 2,106 |
| Return on assets (ROA) | 0.9809% | 2,116 |
| Pretax return on assets | 1.0098% | 2,519 |
| Return on Equity (ROE) | 15.2300% | 915 |
| Retained earnings to average equity (ytd only) | 1.0648% | 3,707 |
| Net charge-offs to loans | -0.0021% | 3,702 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 75.4766% | 1,441 |
| Assets per employee ($millions) | 5.6236% | 3,176 |
| Cash dividends to net income (ytd only)* | 93.0076% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6056% | 4,217 |
| Loan loss allowance to noncurrent loans | 2,442.4242% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 3,632 |
| Noncurrent loans to loans | 0.0248% | 3,629 |
| Net loans and leases to total assets | 78.4200% | 831 |
| Net loans and leases to deposits | 88.0657% | 1,426 |
| Net loans and leases to core deposits | 92.4784% | 1,982 |
| Total domestic deposits to total assets | 89.0400% | 898 |
| Equity capital to assets | 6.7205% | 4,191 |
| Core capital (leverage) ratio | 7.5437% | 4,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7999% | 2,787 |
| Memoranda: | ||
| Average total assets | $161,346,250 | 3,269 |
| Average earning assets | $151,872,000 | 3,243 |
| Average equity | $10,393,000 | 3,743 |
| Average total loans | $128,178,000 | 2,921 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3365% | 2,289 |
| Cost of funding earning assets | 1.5436% | 3,186 |
| Net interest margin | 3.7929% | 1,435 |
| Noninterest income to average assets | 0.5500% | 1,634 |
| Noninterest expense to average assets | 3.0801% | 994 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.0082% | 1,963 |
| Return on assets (ROA) | 1.0082% | 1,966 |
| Pretax return on assets | 1.0523% | 2,330 |
| Return on Equity (ROE) | 15.9000% | 853 |
| Retained earnings to average equity (ytd only) | -2.1830% | 4,152 |
| Net charge-offs to loans | -0.0016% | 3,597 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 74.5355% | 1,593 |
| Assets per employee ($millions) | 5.0446% | 3,582 |
| Cash dividends to net income (ytd only)* | 113.7328% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6022% | 4,241 |
| Loan loss allowance to noncurrent loans | 1,872.0930% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0275% | 3,536 |
| Noncurrent loans to loans | 0.0322% | 3,546 |
| Net loans and leases to total assets | 84.9700% | 222 |
| Net loans and leases to deposits | 94.9120% | 873 |
| Net loans and leases to core deposits | 98.7221% | 1,563 |
| Total domestic deposits to total assets | 89.5200% | 841 |
| Equity capital to assets | 6.8908% | 3,981 |
| Core capital (leverage) ratio | 7.5780% | 4,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7359% | 2,812 |
| Memoranda: | ||
| Average total assets | $158,892,333 | 3,293 |
| Average earning assets | $149,910,667 | 3,261 |
| Average equity | $10,078,000 | 3,760 |
| Average total loans | $126,537,333 | 2,932 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2269% | 2,347 |
| Cost of funding earning assets | 1.4673% | 3,272 |
| Net interest margin | 3.7595% | 1,425 |
| Noninterest income to average assets | 0.3900% | 2,363 |
| Noninterest expense to average assets | 3.1146% | 943 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.8242% | 2,466 |
| Return on assets (ROA) | 0.8242% | 2,481 |
| Pretax return on assets | 0.8242% | 2,868 |
| Return on Equity (ROE) | 13.5700% | 1,225 |
| Retained earnings to average equity (ytd only) | -2.9191% | 4,004 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 79.0742% | 1,268 |
| Assets per employee ($millions) | 5.4464% | 3,313 |
| Cash dividends to net income (ytd only)* | 121.5152% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6518% | 4,175 |
| Loan loss allowance to noncurrent loans | 2,593.5484% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 3,631 |
| Noncurrent loans to loans | 0.0251% | 3,599 |
| Net loans and leases to total assets | 75.0000% | 1,203 |
| Net loans and leases to deposits | 83.3074% | 1,769 |
| Net loans and leases to core deposits | 86.1827% | 2,302 |
| Total domestic deposits to total assets | 90.0300% | 783 |
| Equity capital to assets | 5.9428% | 4,220 |
| Core capital (leverage) ratio | 6.8606% | 4,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8147% | 2,827 |
| Memoranda: | ||
| Average total assets | $160,147,000 | 3,292 |
| Average earning assets | $151,295,000 | 3,263 |
| Average equity | $9,729,000 | 3,802 |
| Average total loans | $122,967,000 | 2,969 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3828% | 3,308 |
| Cost of funding earning assets | 0.8838% | 3,555 |
| Net interest margin | 3.4990% | 2,181 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.8913% | 1,294 |
| Loan and lease loss provision to assets | 0.3300% | 321 |
| Net operating income to assets | 0.5658% | 3,525 |
| Return on assets (ROA) | 0.5658% | 3,515 |
| Pretax return on assets | 0.5857% | 3,661 |
| Return on Equity (ROE) | 10.1500% | 2,458 |
| Retained earnings to average equity (ytd only) | -6.1030% | 4,414 |
| Net charge-offs to loans | 0.0171% | 2,030 |
| Credit loss provision to net charge-offs | 2,700.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 75.5500% | 1,063 |
| Efficiency ratio | 76.0311% | 1,241 |
| Assets per employee ($millions) | 5.8112% | 2,974 |
| Cash dividends to net income (ytd only)* | 160.1279% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6559% | 4,177 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 77.6100% | 901 |
| Net loans and leases to deposits | 87.1103% | 1,527 |
| Net loans and leases to core deposits | 90.2171% | 2,035 |
| Total domestic deposits to total assets | 89.1000% | 1,036 |
| Equity capital to assets | 6.2128% | 4,191 |
| Core capital (leverage) ratio | 6.9497% | 4,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9622% | 2,821 |
| Memoranda: | ||
| Average total assets | $165,775,200 | 3,226 |
| Average earning assets | $156,818,200 | 3,191 |
| Average equity | $9,241,400 | 3,796 |
| Average total loans | $117,007,200 | 2,989 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1388% | 3,584 |
| Cost of funding earning assets | 0.7604% | 3,632 |
| Net interest margin | 3.3784% | 2,501 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 2.7334% | 1,581 |
| Loan and lease loss provision to assets | 0.4300% | 185 |
| Net operating income to assets | 0.4627% | 3,843 |
| Return on assets (ROA) | 0.4627% | 3,844 |
| Pretax return on assets | 0.4889% | 3,921 |
| Return on Equity (ROE) | 8.5200% | 3,052 |
| Retained earnings to average equity (ytd only) | -13.4239% | 4,524 |
| Net charge-offs to loans | 0.0231% | 1,630 |
| Credit loss provision to net charge-offs | 2,700.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 57.8000% | 1,222 |
| Efficiency ratio | 74.8696% | 1,283 |
| Assets per employee ($millions) | 5.8979% | 2,837 |
| Cash dividends to net income (ytd only)* | 257.6329% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6549% | 4,199 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 76.5900% | 1,048 |
| Net loans and leases to deposits | 86.4167% | 1,520 |
| Net loans and leases to core deposits | 88.7637% | 2,008 |
| Total domestic deposits to total assets | 88.6300% | 1,368 |
| Equity capital to assets | 5.6153% | 4,102 |
| Core capital (leverage) ratio | 6.6267% | 4,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6320% | 2,874 |
| Memoranda: | ||
| Average total assets | $167,993,250 | 3,212 |
| Average earning assets | $158,850,500 | 3,187 |
| Average equity | $9,127,750 | 3,813 |
| Average total loans | $115,614,250 | 3,005 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8215% | 3,993 |
| Cost of funding earning assets | 0.6276% | 3,687 |
| Net interest margin | 3.1939% | 3,008 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.5803% | 1,977 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8390% | 2,958 |
| Return on assets (ROA) | 0.8390% | 2,968 |
| Pretax return on assets | 0.8777% | 3,222 |
| Return on Equity (ROE) | 15.6000% | 1,338 |
| Retained earnings to average equity (ytd only) | -12.2311% | 4,538 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.6193% | 1,291 |
| Assets per employee ($millions) | 6.1364% | 2,585 |
| Cash dividends to net income (ytd only)* | 178.3821% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2433% | 4,492 |
| Loan loss allowance to noncurrent loans | 1,352.3810% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 3,719 |
| Noncurrent loans to loans | 0.0180% | 3,633 |
| Net loans and leases to total assets | 70.2700% | 1,709 |
| Net loans and leases to deposits | 79.8634% | 1,996 |
| Net loans and leases to core deposits | 81.2359% | 2,394 |
| Total domestic deposits to total assets | 87.9900% | 1,605 |
| Equity capital to assets | 5.7187% | 4,228 |
| Core capital (leverage) ratio | 6.7854% | 4,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5137% | 2,906 |
| Memoranda: | ||
| Average total assets | $170,910,000 | 3,208 |
| Average earning assets | $161,245,000 | 3,181 |
| Average equity | $9,189,667 | 3,828 |
| Average total loans | $113,227,000 | 3,029 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7170% | 3,997 |
| Cost of funding earning assets | 0.4821% | 3,752 |
| Net interest margin | 3.2349% | 3,029 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.5265% | 2,178 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9175% | 2,797 |
| Return on assets (ROA) | 0.9175% | 2,755 |
| Pretax return on assets | 0.9175% | 3,188 |
| Return on Equity (ROE) | 17.6000% | 1,086 |
| Retained earnings to average equity (ytd only) | -14.3252% | 4,540 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.3601% | 1,402 |
| Assets per employee ($millions) | 6.3021% | 2,500 |
| Cash dividends to net income (ytd only)* | 181.4070% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2544% | 4,548 |
| Loan loss allowance to noncurrent loans | 788.8889% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 3,597 |
| Noncurrent loans to loans | 0.0322% | 3,525 |
| Net loans and leases to total assets | 65.4500% | 2,116 |
| Net loans and leases to deposits | 73.7930% | 2,311 |
| Net loans and leases to core deposits | 74.6968% | 2,624 |
| Total domestic deposits to total assets | 88.6900% | 1,663 |
| Equity capital to assets | 5.3298% | 4,366 |
| Core capital (leverage) ratio | 6.4160% | 4,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5410% | 2,996 |
| Memoranda: | ||
| Average total assets | $173,523,000 | 3,236 |
| Average earning assets | $163,465,500 | 3,208 |
| Average equity | $9,047,000 | 3,892 |
| Average total loans | $111,486,500 | 3,083 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8449% | 4,285 |
| Cost of funding earning assets | 0.1765% | 3,940 |
| Net interest margin | 2.6684% | 4,094 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.2565% | 2,873 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | 0.8166% | 3,269 |
| Return on assets (ROA) | 0.8166% | 3,201 |
| Pretax return on assets | 0.8166% | 3,581 |
| Return on Equity (ROE) | 17.2600% | 820 |
| Retained earnings to average equity (ytd only) | 5.5347% | 2,818 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.3275% | 1,183 |
| Assets per employee ($millions) | 7.0756% | 1,915 |
| Cash dividends to net income (ytd only)* | 67.9375% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2551% | 4,566 |
| Loan loss allowance to noncurrent loans | 767.5676% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 3,638 |
| Noncurrent loans to loans | 0.0332% | 3,542 |
| Net loans and leases to total assets | 62.7800% | 2,351 |
| Net loans and leases to deposits | 70.6292% | 2,531 |
| Net loans and leases to core deposits | 71.7464% | 2,743 |
| Total domestic deposits to total assets | 88.8800% | 1,750 |
| Equity capital to assets | 5.1021% | 4,342 |
| Core capital (leverage) ratio | 5.6970% | 4,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8343% | 2,989 |
| Memoranda: | ||
| Average total assets | $195,927,000 | 3,066 |
| Average earning assets | $188,126,000 | 3,012 |
| Average equity | $9,268,800 | 3,968 |
| Average total loans | $105,669,800 | 3,075 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5909% | 4,400 |
| Cost of funding earning assets | 0.1084% | 4,213 |
| Net interest margin | 2.4825% | 4,223 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.1001% | 3,209 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | 0.8232% | 3,160 |
| Return on assets (ROA) | 0.8232% | 3,122 |
| Pretax return on assets | 0.8232% | 3,522 |
| Return on Equity (ROE) | 17.7100% | 685 |
| Retained earnings to average equity (ytd only) | 2.1579% | 3,990 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.0529% | 1,382 |
| Assets per employee ($millions) | 8.3618% | 1,140 |
| Cash dividends to net income (ytd only)* | 87.8128% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2607% | 4,606 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 3,932 |
| Noncurrent loans to loans | 0.0137% | 3,837 |
| Net loans and leases to total assets | 50.1500% | 3,443 |
| Net loans and leases to deposits | 63.9983% | 2,864 |
| Net loans and leases to core deposits | 65.0556% | 3,019 |
| Total domestic deposits to total assets | 78.3600% | 4,231 |
| Equity capital to assets | 4.2538% | 4,446 |
| Core capital (leverage) ratio | 5.4679% | 4,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3122% | 2,981 |
| Memoranda: | ||
| Average total assets | $200,686,500 | 3,063 |
| Average earning assets | $193,184,500 | 3,002 |
| Average equity | $9,329,750 | 4,002 |
| Average total loans | $104,255,250 | 3,105 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3543% | 4,488 |
| Cost of funding earning assets | 0.0796% | 4,385 |
| Net interest margin | 2.2747% | 4,353 |
| Noninterest income to average assets | 0.4479% | 2,467 |
| Noninterest expense to average assets | 2.0255% | 3,367 |
| Loan and lease loss provision to assets | -0.0748% | 4,562 |
| Net operating income to assets | 0.6950% | 3,323 |
| Return on assets (ROA) | 0.6950% | 3,279 |
| Pretax return on assets | 0.6950% | 3,588 |
| Return on Equity (ROE) | 14.4918% | 1,003 |
| Retained earnings to average equity (ytd only) | 0.1924% | 4,152 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5595% | 1,214 |
| Assets per employee ($millions) | 8.4642% | 1,080 |
| Cash dividends to net income (ytd only)* | 98.6726% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2711% | 4,672 |
| Loan loss allowance to noncurrent loans | 162.8571% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 3,187 |
| Noncurrent loans to loans | 0.1665% | 2,860 |
| Net loans and leases to total assets | 47.6385% | 3,579 |
| Net loans and leases to deposits | 60.5129% | 3,020 |
| Net loans and leases to core deposits | 61.4951% | 3,161 |
| Total domestic deposits to total assets | 78.7245% | 4,311 |
| Equity capital to assets | 3.9583% | 4,628 |
| Core capital (leverage) ratio | 5.4438% | 4,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8248% | 3,035 |
| Memoranda: | ||
| Average total assets | $195,113,333 | 3,124 |
| Average earning assets | $188,504,667 | 3,074 |
| Average equity | $9,357,000 | 4,066 |
| Average total loans | $102,568,667 | 3,151 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3359% | 4,430 |
| Cost of funding earning assets | 0.0933% | 4,221 |
| Net interest margin | 2.2427% | 4,300 |
| Noninterest income to average assets | 0.4599% | 2,356 |
| Noninterest expense to average assets | 2.2668% | 2,625 |
| Loan and lease loss provision to assets | -0.1599% | 4,655 |
| Net operating income to assets | 0.5125% | 3,677 |
| Return on assets (ROA) | 0.5125% | 3,645 |
| Pretax return on assets | 0.5125% | 3,851 |
| Return on Equity (ROE) | 9.6694% | 2,094 |
| Retained earnings to average equity (ytd only) | -8.0165% | 4,525 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5385% | 707 |
| Assets per employee ($millions) | 7.0823% | 1,937 |
| Cash dividends to net income (ytd only)* | 182.9060% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2861% | 4,692 |
| Loan loss allowance to noncurrent loans | 4,750.0000% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 4,070 |
| Noncurrent loans to loans | 0.0060% | 3,987 |
| Net loans and leases to total assets | 53.9500% | 2,765 |
| Net loans and leases to deposits | 61.1274% | 2,796 |
| Net loans and leases to core deposits | 62.3063% | 2,945 |
| Total domestic deposits to total assets | 88.2583% | 2,403 |
| Equity capital to assets | 4.9164% | 4,729 |
| Core capital (leverage) ratio | 5.6779% | 4,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2341% | 3,020 |
| Memoranda: | ||
| Average total assets | $182,635,000 | 3,229 |
| Average earning assets | $175,862,500 | 3,176 |
| Average equity | $9,680,000 | 4,093 |
| Average total loans | $101,291,500 | 3,165 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6401% | 4,372 |
| Cost of funding earning assets | 0.1102% | 4,306 |
| Net interest margin | 2.5299% | 4,152 |
| Noninterest income to average assets | 0.9651% | 1,066 |
| Noninterest expense to average assets | 2.3204% | 2,734 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0533% | 2,473 |
| Return on assets (ROA) | 1.0533% | 2,547 |
| Pretax return on assets | 1.0533% | 3,120 |
| Return on Equity (ROE) | 18.4725% | 424 |
| Retained earnings to average equity (ytd only) | 4.5325% | 2,988 |
| Net charge-offs to loans | -0.0017% | 3,340 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7790% | 1,884 |
| Assets per employee ($millions) | 6.9666% | 1,950 |
| Cash dividends to net income (ytd only)* | 75.4637% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3477% | 4,706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 56.6424% | 2,523 |
| Net loans and leases to deposits | 64.8880% | 2,607 |
| Net loans and leases to core deposits | 66.2806% | 2,795 |
| Total domestic deposits to total assets | 87.2926% | 2,393 |
| Equity capital to assets | 5.6904% | 4,821 |
| Core capital (leverage) ratio | 5.6932% | 4,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6445% | 2,959 |
| Memoranda: | ||
| Average total assets | $179,152,000 | 3,215 |
| Average earning assets | $170,559,000 | 3,180 |
| Average equity | $10,215,200 | 4,102 |
| Average total loans | $116,506,200 | 2,982 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7358% | 4,369 |
| Cost of funding earning assets | 0.1133% | 4,400 |
| Net interest margin | 2.6225% | 4,101 |
| Noninterest income to average assets | 1.0724% | 959 |
| Noninterest expense to average assets | 2.3060% | 2,735 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2545% | 1,971 |
| Return on assets (ROA) | 1.2545% | 2,042 |
| Pretax return on assets | 1.2545% | 2,759 |
| Return on Equity (ROE) | 21.9900% | 305 |
| Retained earnings to average equity (ytd only) | 3.3619% | 3,781 |
| Net charge-offs to loans | -0.0022% | 3,243 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7663% | 2,281 |
| Assets per employee ($millions) | 7.2766% | 1,694 |
| Cash dividends to net income (ytd only)* | 84.7115% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3395% | 4,795 |
| Loan loss allowance to noncurrent loans | 1,552.1739% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 4,144 |
| Noncurrent loans to loans | 0.0219% | 4,040 |
| Net loans and leases to total assets | 55.3987% | 2,805 |
| Net loans and leases to deposits | 62.5933% | 2,986 |
| Net loans and leases to core deposits | 63.8579% | 3,157 |
| Total domestic deposits to total assets | 88.5059% | 1,560 |
| Equity capital to assets | 5.3982% | 4,903 |
| Core capital (leverage) ratio | 5.6455% | 4,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1755% | 3,075 |
| Memoranda: | ||
| Average total assets | $178,657,250 | 3,253 |
| Average earning assets | $169,504,250 | 3,222 |
| Average equity | $10,192,250 | 4,160 |
| Average total loans | $119,894,000 | 2,992 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8882% | 4,238 |
| Cost of funding earning assets | 0.1166% | 4,462 |
| Net interest margin | 2.7716% | 3,847 |
| Noninterest income to average assets | 1.3395% | 658 |
| Noninterest expense to average assets | 2.3672% | 2,560 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6044% | 1,040 |
| Return on assets (ROA) | 1.6044% | 1,100 |
| Pretax return on assets | 1.6044% | 1,722 |
| Return on Equity (ROE) | 27.5887% | 136 |
| Retained earnings to average equity (ytd only) | 2.3563% | 4,032 |
| Net charge-offs to loans | -0.0032% | 3,304 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6032% | 3,067 |
| Assets per employee ($millions) | 7.1143% | 1,714 |
| Cash dividends to net income (ytd only)* | 91.4591% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2964% | 4,851 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 64.9334% | 1,835 |
| Net loans and leases to deposits | 73.8181% | 2,018 |
| Net loans and leases to core deposits | 75.4741% | 2,288 |
| Total domestic deposits to total assets | 87.9641% | 1,845 |
| Equity capital to assets | 5.4409% | 4,939 |
| Core capital (leverage) ratio | 5.7163% | 4,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2373% | 3,065 |
| Memoranda: | ||
| Average total assets | $175,145,667 | 3,288 |
| Average earning assets | $166,332,667 | 3,259 |
| Average equity | $10,185,333 | 4,178 |
| Average total loans | $124,803,000 | 2,960 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8092% | 4,369 |
| Cost of funding earning assets | 0.1287% | 4,466 |
| Net interest margin | 2.6805% | 4,006 |
| Noninterest income to average assets | 1.6636% | 509 |
| Noninterest expense to average assets | 2.3732% | 2,585 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8351% | 740 |
| Return on assets (ROA) | 1.8351% | 794 |
| Pretax return on assets | 1.8351% | 1,229 |
| Return on Equity (ROE) | 30.4899% | 131 |
| Retained earnings to average equity (ytd only) | 18.0363% | 368 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3931% | 3,503 |
| Assets per employee ($millions) | 6.6909% | 2,008 |
| Cash dividends to net income (ytd only)* | 40.8451% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2824% | 4,884 |
| Loan loss allowance to noncurrent loans | 174.0196% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.1173% | 3,583 |
| Noncurrent loans to loans | 0.1623% | 3,524 |
| Net loans and leases to total assets | 72.0500% | 1,018 |
| Net loans and leases to deposits | 84.0442% | 1,137 |
| Net loans and leases to core deposits | 86.1024% | 1,511 |
| Total domestic deposits to total assets | 85.7287% | 2,848 |
| Equity capital to assets | 5.9915% | 4,941 |
| Core capital (leverage) ratio | 6.1333% | 4,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8130% | 2,958 |
| Memoranda: | ||
| Average total assets | $170,233,000 | 3,332 |
| Average earning assets | $161,609,000 | 3,292 |
| Average equity | $10,246,000 | 4,190 |
| Average total loans | $126,972,000 | 2,935 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2186% | 4,431 |
| Cost of funding earning assets | 0.2938% | 4,182 |
| Net interest margin | 2.9248% | 4,063 |
| Noninterest income to average assets | 1.0055% | 1,034 |
| Noninterest expense to average assets | 2.5913% | 2,584 |
| Loan and lease loss provision to assets | 0.0635% | 3,583 |
| Net operating income to assets | 1.1132% | 1,873 |
| Return on assets (ROA) | 1.1132% | 1,989 |
| Pretax return on assets | 1.1132% | 2,641 |
| Return on Equity (ROE) | 17.6468% | 356 |
| Retained earnings to average equity (ytd only) | 6.5880% | 1,552 |
| Net charge-offs to loans | 0.0071% | 3,086 |
| Credit loss provision to net charge-offs | 1,225.0000% | 670 |
| Earnings coverage of net charge-offs (x) | 226.8750% | 432 |
| Efficiency ratio | 68.7715% | 2,127 |
| Assets per employee ($millions) | 6.6601% | 1,806 |
| Cash dividends to net income (ytd only)* | 62.6674% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2768% | 4,911 |
| Loan loss allowance to noncurrent loans | 97.7961% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 0.2180% | 3,202 |
| Noncurrent loans to loans | 0.2830% | 3,189 |
| Net loans and leases to total assets | 76.8117% | 714 |
| Net loans and leases to deposits | 89.4832% | 961 |
| Net loans and leases to core deposits | 91.5405% | 1,418 |
| Total domestic deposits to total assets | 85.8392% | 2,437 |
| Equity capital to assets | 6.0474% | 4,977 |
| Core capital (leverage) ratio | 5.9756% | 4,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4681% | 3,030 |
| Memoranda: | ||
| Average total assets | $154,245,400 | 3,350 |
| Average earning assets | $145,685,600 | 3,318 |
| Average equity | $9,729,800 | 4,224 |
| Average total loans | $112,376,400 | 3,064 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2974% | 4,472 |
| Cost of funding earning assets | 0.3467% | 4,074 |
| Net interest margin | 2.9507% | 4,087 |
| Noninterest income to average assets | 1.1474% | 796 |
| Noninterest expense to average assets | 2.4570% | 2,967 |
| Loan and lease loss provision to assets | 0.0218% | 4,059 |
| Net operating income to assets | 1.4534% | 990 |
| Return on assets (ROA) | 1.4534% | 1,077 |
| Pretax return on assets | 1.4534% | 1,567 |
| Return on Equity (ROE) | 22.7815% | 158 |
| Retained earnings to average equity (ytd only) | 7.9072% | 1,336 |
| Net charge-offs to loans | 0.0098% | 2,752 |
| Credit loss provision to net charge-offs | 312.5000% | 1,724 |
| Earnings coverage of net charge-offs (x) | 209.1250% | 482 |
| Efficiency ratio | 62.4804% | 2,995 |
| Assets per employee ($millions) | 6.7516% | 1,651 |
| Cash dividends to net income (ytd only)* | 65.2913% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2251% | 4,955 |
| Loan loss allowance to noncurrent loans | 78.3333% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 0.2133% | 3,376 |
| Noncurrent loans to loans | 0.2873% | 3,252 |
| Net loans and leases to total assets | 74.0684% | 1,363 |
| Net loans and leases to deposits | 86.3768% | 1,652 |
| Net loans and leases to core deposits | 88.0243% | 2,142 |
| Total domestic deposits to total assets | 85.7503% | 2,163 |
| Equity capital to assets | 5.9346% | 5,009 |
| Core capital (leverage) ratio | 6.1912% | 5,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5061% | 3,030 |
| Memoranda: | ||
| Average total assets | $151,181,250 | 3,372 |
| Average earning assets | $142,695,250 | 3,336 |
| Average equity | $9,645,000 | 4,248 |
| Average total loans | $108,408,500 | 3,123 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4285% | 4,510 |
| Cost of funding earning assets | 0.4304% | 3,893 |
| Net interest margin | 2.9981% | 4,126 |
| Noninterest income to average assets | 1.4493% | 498 |
| Noninterest expense to average assets | 2.4939% | 2,975 |
| Loan and lease loss provision to assets | 0.0344% | 3,833 |
| Net operating income to assets | 1.7590% | 549 |
| Return on assets (ROA) | 1.7590% | 598 |
| Pretax return on assets | 1.7590% | 877 |
| Return on Equity (ROE) | 26.8459% | 89 |
| Retained earnings to average equity (ytd only) | 10.7762% | 645 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1701% | 3,667 |
| Assets per employee ($millions) | 6.5152% | 1,768 |
| Cash dividends to net income (ytd only)* | 59.8592% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2356% | 4,984 |
| Loan loss allowance to noncurrent loans | 70.0483% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 0.4752% | 2,417 |
| Noncurrent loans to loans | 0.3364% | 3,188 |
| Net loans and leases to total assets | 75.3790% | 1,220 |
| Net loans and leases to deposits | 88.5225% | 1,501 |
| Net loans and leases to core deposits | 90.4522% | 2,036 |
| Total domestic deposits to total assets | 85.1524% | 2,333 |
| Equity capital to assets | 6.1210% | 5,033 |
| Core capital (leverage) ratio | 6.5036% | 5,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7202% | 3,040 |
| Memoranda: | ||
| Average total assets | $145,311,667 | 3,427 |
| Average earning assets | $137,553,667 | 3,381 |
| Average equity | $9,521,000 | 4,275 |
| Average total loans | $102,777,333 | 3,193 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7250% | 4,337 |
| Cost of funding earning assets | 0.6126% | 3,369 |
| Net interest margin | 3.1125% | 4,065 |
| Noninterest income to average assets | 0.5449% | 2,306 |
| Noninterest expense to average assets | 2.9064% | 2,106 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5860% | 3,641 |
| Return on assets (ROA) | 0.5860% | 3,701 |
| Pretax return on assets | 0.5860% | 3,941 |
| Return on Equity (ROE) | 8.6054% | 2,275 |
| Retained earnings to average equity (ytd only) | -11.9185% | 4,827 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2215% | 884 |
| Assets per employee ($millions) | 5.5744% | 2,048 |
| Cash dividends to net income (ytd only)* | 238.5000% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2885% | 4,995 |
| Loan loss allowance to noncurrent loans | 77.7126% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 0.5030% | 2,489 |
| Noncurrent loans to loans | 0.3712% | 3,156 |
| Net loans and leases to total assets | 65.7221% | 2,849 |
| Net loans and leases to deposits | 77.1787% | 2,957 |
| Net loans and leases to core deposits | 79.1427% | 3,276 |
| Total domestic deposits to total assets | 85.1558% | 2,350 |
| Equity capital to assets | 6.5994% | 5,084 |
| Core capital (leverage) ratio | 6.8816% | 5,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5954% | 3,205 |
| Memoranda: | ||
| Average total assets | $136,527,000 | 3,494 |
| Average earning assets | $129,287,000 | 3,453 |
| Average equity | $9,296,500 | 4,333 |
| Average total loans | $92,632,000 | 3,349 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1832% | 3,850 |
| Cost of funding earning assets | 0.6962% | 3,173 |
| Net interest margin | 3.4870% | 3,491 |
| Noninterest income to average assets | 0.6897% | 1,850 |
| Noninterest expense to average assets | 2.8997% | 2,292 |
| Loan and lease loss provision to assets | -0.0808% | 5,053 |
| Net operating income to assets | 1.1505% | 2,251 |
| Return on assets (ROA) | 1.1458% | 2,369 |
| Pretax return on assets | 1.1458% | 3,026 |
| Return on Equity (ROE) | 16.1298% | 525 |
| Retained earnings to average equity (ytd only) | 3.3998% | 3,312 |
| Net charge-offs to loans | -0.0094% | 4,455 |
| Credit loss provision to net charge-offs | 1,133.3333% | 306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0501% | 1,727 |
| Assets per employee ($millions) | 5.3477% | 2,198 |
| Cash dividends to net income (ytd only)* | 78.9219% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2837% | 5,049 |
| Loan loss allowance to noncurrent loans | 109.9585% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.4495% | 2,600 |
| Noncurrent loans to loans | 0.2580% | 3,522 |
| Net loans and leases to total assets | 69.6693% | 2,452 |
| Net loans and leases to deposits | 81.7453% | 2,584 |
| Net loans and leases to core deposits | 83.9043% | 2,956 |
| Total domestic deposits to total assets | 85.2273% | 2,404 |
| Equity capital to assets | 7.0280% | 5,141 |
| Core capital (leverage) ratio | 7.1769% | 5,132 |
| Tier 1 risk-based capital ratio | 11.3444% | 4,710 |
| Total risk-based capital ratio | 11.6637% | 4,977 |
| Memoranda: | ||
| Average total assets | $126,289,600 | 3,613 |
| Average earning assets | $118,785,400 | 3,578 |
| Average equity | $8,971,000 | 4,376 |
| Average total loans | $95,981,000 | 3,281 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2176% | 3,883 |
| Cost of funding earning assets | 0.6892% | 3,264 |
| Net interest margin | 3.5284% | 3,480 |
| Noninterest income to average assets | 0.6632% | 1,937 |
| Noninterest expense to average assets | 3.0622% | 1,801 |
| Loan and lease loss provision to assets | -0.1093% | 5,171 |
| Net operating income to assets | 1.0232% | 2,901 |
| Return on assets (ROA) | 1.0168% | 2,994 |
| Pretax return on assets | 1.0168% | 3,538 |
| Return on Equity (ROE) | 14.2734% | 931 |
| Retained earnings to average equity (ytd only) | -2.9028% | 4,987 |
| Net charge-offs to loans | -0.0179% | 4,556 |
| Credit loss provision to net charge-offs | 784.6154% | 439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0143% | 1,217 |
| Assets per employee ($millions) | 5.2494% | 2,288 |
| Cash dividends to net income (ytd only)* | 120.3375% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2757% | 5,128 |
| Loan loss allowance to noncurrent loans | 106.3241% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.5966% | 2,216 |
| Noncurrent loans to loans | 0.2593% | 3,610 |
| Net loans and leases to total assets | 74.1410% | 1,790 |
| Net loans and leases to deposits | 82.8867% | 2,583 |
| Net loans and leases to core deposits | 85.0166% | 2,992 |
| Total domestic deposits to total assets | 89.4487% | 462 |
| Equity capital to assets | 6.7756% | 5,231 |
| Core capital (leverage) ratio | 6.9772% | 5,221 |
| Tier 1 risk-based capital ratio | 10.3849% | 5,112 |
| Total risk-based capital ratio | 10.6991% | 5,222 |
| Memoranda: | ||
| Average total assets | $124,438,750 | 3,674 |
| Average earning assets | $116,839,750 | 3,639 |
| Average equity | $8,864,750 | 4,442 |
| Average total loans | $96,624,250 | 3,311 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2420% | 3,815 |
| Cost of funding earning assets | 0.6505% | 3,408 |
| Net interest margin | 3.5916% | 3,287 |
| Noninterest income to average assets | 0.6745% | 1,816 |
| Noninterest expense to average assets | 3.0841% | 1,778 |
| Loan and lease loss provision to assets | -0.1964% | 5,247 |
| Net operating income to assets | 1.1492% | 2,330 |
| Return on assets (ROA) | 1.1492% | 2,409 |
| Pretax return on assets | 1.1492% | 3,081 |
| Return on Equity (ROE) | 15.8542% | 614 |
| Retained earnings to average equity (ytd only) | -6.0978% | 5,094 |
| Net charge-offs to loans | -0.2492% | 5,161 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3990% | 1,342 |
| Assets per employee ($millions) | 5.1839% | 2,270 |
| Cash dividends to net income (ytd only)* | 138.4615% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3736% | 5,128 |
| Loan loss allowance to noncurrent loans | 72.9124% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 0.6840% | 2,004 |
| Noncurrent loans to loans | 0.5123% | 2,743 |
| Net loans and leases to total assets | 76.7412% | 1,430 |
| Net loans and leases to deposits | 85.9037% | 2,263 |
| Net loans and leases to core deposits | 88.4184% | 2,755 |
| Total domestic deposits to total assets | 89.3339% | 525 |
| Equity capital to assets | 7.0748% | 5,259 |
| Core capital (leverage) ratio | 7.2742% | 5,252 |
| Tier 1 risk-based capital ratio | 10.4428% | 5,123 |
| Total risk-based capital ratio | 10.8657% | 5,247 |
| Memoranda: | ||
| Average total assets | $122,173,330 | 3,722 |
| Average earning assets | $114,379,330 | 3,698 |
| Average equity | $8,855,670 | 4,458 |
| Average total loans | $96,309,670 | 3,336 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1927% | 3,893 |
| Cost of funding earning assets | 0.5762% | 3,693 |
| Net interest margin | 3.6165% | 3,198 |
| Noninterest income to average assets | 0.6179% | 1,961 |
| Noninterest expense to average assets | 3.1292% | 1,659 |
| Loan and lease loss provision to assets | -0.3965% | 5,333 |
| Net operating income to assets | 1.2656% | 1,831 |
| Return on assets (ROA) | 1.2656% | 1,879 |
| Pretax return on assets | 1.2656% | 2,581 |
| Return on Equity (ROE) | 17.2474% | 463 |
| Retained earnings to average equity (ytd only) | -5.3138% | 4,940 |
| Net charge-offs to loans | -0.4972% | 5,269 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2645% | 1,238 |
| Assets per employee ($millions) | 5.0014% | 2,516 |
| Cash dividends to net income (ytd only)* | 130.8094% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3742% | 5,197 |
| Loan loss allowance to noncurrent loans | 132.5926% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.5039% | 2,606 |
| Noncurrent loans to loans | 0.2822% | 3,551 |
| Net loans and leases to total assets | 76.2289% | 1,440 |
| Net loans and leases to deposits | 85.8102% | 2,147 |
| Net loans and leases to core deposits | 87.9270% | 2,695 |
| Total domestic deposits to total assets | 88.8342% | 941 |
| Equity capital to assets | 7.0973% | 5,302 |
| Core capital (leverage) ratio | 7.7441% | 5,251 |
| Tier 1 risk-based capital ratio | 10.6219% | 5,146 |
| Total risk-based capital ratio | 11.0447% | 5,281 |
| Memoranda: | ||
| Average total assets | $121,053,500 | 3,787 |
| Average earning assets | $113,148,000 | 3,762 |
| Average equity | $8,882,500 | 4,482 |
| Average total loans | $96,547,500 | 3,375 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1123% | 3,707 |
| Cost of funding earning assets | 0.3635% | 4,198 |
| Net interest margin | 3.7488% | 2,862 |
| Noninterest income to average assets | 1.6496% | 355 |
| Noninterest expense to average assets | 3.0900% | 1,828 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.0638% | 315 |
| Return on assets (ROA) | 2.0638% | 313 |
| Pretax return on assets | 2.0638% | 480 |
| Return on Equity (ROE) | 29.2209% | 43 |
| Retained earnings to average equity (ytd only) | 6.2433% | 2,067 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9564% | 3,866 |
| Assets per employee ($millions) | 4.5028% | 3,163 |
| Cash dividends to net income (ytd only)* | 78.6343% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3675% | 5,240 |
| Loan loss allowance to noncurrent loans | 133.5821% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.5364% | 2,448 |
| Noncurrent loans to loans | 0.2751% | 3,588 |
| Net loans and leases to total assets | 82.9115% | 522 |
| Net loans and leases to deposits | 92.3278% | 1,501 |
| Net loans and leases to core deposits | 94.4994% | 2,187 |
| Total domestic deposits to total assets | 89.8012% | 543 |
| Equity capital to assets | 7.5944% | 5,266 |
| Core capital (leverage) ratio | 7.9166% | 5,265 |
| Tier 1 risk-based capital ratio | 11.2685% | 4,826 |
| Total risk-based capital ratio | 11.7112% | 5,095 |
| Memoranda: | ||
| Average total assets | $115,661,600 | 3,859 |
| Average earning assets | $108,115,400 | 3,833 |
| Average equity | $8,168,800 | 4,583 |
| Average total loans | $95,233,400 | 3,383 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0495% | 3,785 |
| Cost of funding earning assets | 0.3205% | 4,376 |
| Net interest margin | 3.7289% | 2,903 |
| Noninterest income to average assets | 0.6626% | 2,015 |
| Noninterest expense to average assets | 3.1948% | 1,534 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9516% | 3,300 |
| Return on assets (ROA) | 0.9516% | 3,312 |
| Pretax return on assets | 0.9516% | 3,874 |
| Return on Equity (ROE) | 13.7366% | 1,189 |
| Retained earnings to average equity (ytd only) | -9.0631% | 5,381 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0496% | 1,220 |
| Assets per employee ($millions) | 4.6666% | 2,889 |
| Cash dividends to net income (ytd only)* | 165.9777% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3758% | 5,309 |
| Loan loss allowance to noncurrent loans | 133.5821% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.9772% | 1,489 |
| Noncurrent loans to loans | 0.2813% | 3,680 |
| Net loans and leases to total assets | 81.3594% | 818 |
| Net loans and leases to deposits | 90.0414% | 1,891 |
| Net loans and leases to core deposits | 92.1373% | 2,471 |
| Total domestic deposits to total assets | 90.3579% | 391 |
| Equity capital to assets | 6.6464% | 5,417 |
| Core capital (leverage) ratio | 7.0848% | 5,425 |
| Tier 1 risk-based capital ratio | 10.2190% | 5,325 |
| Total risk-based capital ratio | 10.6730% | 5,426 |
| Memoranda: | ||
| Average total assets | $115,308,750 | 3,905 |
| Average earning assets | $107,731,500 | 3,879 |
| Average equity | $7,988,250 | 4,657 |
| Average total loans | $94,685,500 | 3,422 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9942% | 3,801 |
| Cost of funding earning assets | 0.2642% | 4,670 |
| Net interest margin | 3.7300% | 2,825 |
| Noninterest income to average assets | 0.6095% | 2,274 |
| Noninterest expense to average assets | 3.1605% | 1,634 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9403% | 3,272 |
| Return on assets (ROA) | 0.9403% | 3,278 |
| Pretax return on assets | 0.9403% | 3,842 |
| Return on Equity (ROE) | 13.3890% | 1,240 |
| Retained earnings to average equity (ytd only) | -12.9923% | 5,446 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0701% | 1,305 |
| Assets per employee ($millions) | 4.6131% | 2,948 |
| Cash dividends to net income (ytd only)* | 197.0370% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3768% | 5,377 |
| Loan loss allowance to noncurrent loans | 133.5821% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.9885% | 1,521 |
| Noncurrent loans to loans | 0.2821% | 3,691 |
| Net loans and leases to total assets | 82.0797% | 701 |
| Net loans and leases to deposits | 91.3195% | 1,669 |
| Net loans and leases to core deposits | 93.7562% | 2,240 |
| Total domestic deposits to total assets | 89.8818% | 613 |
| Equity capital to assets | 6.7608% | 5,469 |
| Core capital (leverage) ratio | 7.0331% | 5,482 |
| Tier 1 risk-based capital ratio | 10.2582% | 5,353 |
| Total risk-based capital ratio | 10.7130% | 5,481 |
| Memoranda: | ||
| Average total assets | $114,856,670 | 3,940 |
| Average earning assets | $107,507,000 | 3,923 |
| Average equity | $8,066,330 | 4,683 |
| Average total loans | $94,488,670 | 3,438 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9083% | 3,907 |
| Cost of funding earning assets | 0.2310% | 4,826 |
| Net interest margin | 3.6773% | 2,895 |
| Noninterest income to average assets | 0.5584% | 2,480 |
| Noninterest expense to average assets | 3.1163% | 1,779 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8864% | 3,350 |
| Return on assets (ROA) | 0.8864% | 3,361 |
| Pretax return on assets | 0.8864% | 3,888 |
| Return on Equity (ROE) | 12.3887% | 1,441 |
| Retained earnings to average equity (ytd only) | -17.4125% | 5,480 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8553% | 1,362 |
| Assets per employee ($millions) | 4.5440% | 3,085 |
| Cash dividends to net income (ytd only)* | 240.5512% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3806% | 5,444 |
| Loan loss allowance to noncurrent loans | 99.7214% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.0836% | 1,437 |
| Noncurrent loans to loans | 0.3817% | 3,414 |
| Net loans and leases to total assets | 82.4805% | 602 |
| Net loans and leases to deposits | 91.9608% | 1,453 |
| Net loans and leases to core deposits | 93.9074% | 2,148 |
| Total domestic deposits to total assets | 89.6909% | 787 |
| Equity capital to assets | 7.0265% | 5,508 |
| Core capital (leverage) ratio | 7.3925% | 5,518 |
| Tier 1 risk-based capital ratio | 10.3926% | 5,383 |
| Total risk-based capital ratio | 10.8439% | 5,530 |
| Memoranda: | ||
| Average total assets | $114,621,500 | 3,982 |
| Average earning assets | $107,361,500 | 3,964 |
| Average equity | $8,201,000 | 4,713 |
| Average total loans | $94,224,000 | 3,463 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9415% | 3,604 |
| Cost of funding earning assets | 0.1945% | 4,992 |
| Net interest margin | 3.7469% | 2,615 |
| Noninterest income to average assets | 0.7549% | 1,755 |
| Noninterest expense to average assets | 2.9451% | 2,297 |
| Loan and lease loss provision to assets | 0.1007% | 2,213 |
| Net operating income to assets | 1.2006% | 1,523 |
| Return on assets (ROA) | 1.2006% | 1,549 |
| Pretax return on assets | 1.2006% | 2,768 |
| Return on Equity (ROE) | 17.3998% | 359 |
| Retained earnings to average equity (ytd only) | 11.5364% | 206 |
| Net charge-offs to loans | 0.1386% | 1,682 |
| Credit loss provision to net charge-offs | 87.1212% | 2,836 |
| Earnings coverage of net charge-offs (x) | 11.2576% | 2,587 |
| Efficiency ratio | 69.3545% | 2,646 |
| Assets per employee ($millions) | 4.8185% | 2,711 |
| Cash dividends to net income (ytd only)* | 33.6980% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3793% | 5,505 |
| Loan loss allowance to noncurrent loans | 99.7214% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 1.0645% | 1,435 |
| Noncurrent loans to loans | 0.3803% | 3,395 |
| Net loans and leases to total assets | 81.3142% | 777 |
| Net loans and leases to deposits | 92.0576% | 1,517 |
| Net loans and leases to core deposits | 93.9965% | 2,196 |
| Total domestic deposits to total assets | 88.3297% | 1,337 |
| Equity capital to assets | 7.2810% | 5,565 |
| Core capital (leverage) ratio | 7.4951% | 5,564 |
| Tier 1 risk-based capital ratio | 10.8762% | 5,216 |
| Total risk-based capital ratio | 11.3289% | 5,450 |
| Memoranda: | ||
| Average total assets | $114,189,800 | 3,992 |
| Average earning assets | $106,407,400 | 3,977 |
| Average equity | $7,879,400 | 4,803 |
| Average total loans | $95,251,400 | 3,430 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9253% | 3,603 |
| Cost of funding earning assets | 0.1827% | 5,120 |
| Net interest margin | 3.7425% | 2,602 |
| Noninterest income to average assets | 0.6977% | 2,013 |
| Noninterest expense to average assets | 3.0227% | 2,057 |
| Loan and lease loss provision to assets | 0.2283% | 799 |
| Net operating income to assets | 0.9236% | 2,905 |
| Return on assets (ROA) | 0.9236% | 2,970 |
| Pretax return on assets | 0.9236% | 3,956 |
| Return on Equity (ROE) | 13.4695% | 942 |
| Retained earnings to average equity (ytd only) | 5.5825% | 2,489 |
| Net charge-offs to loans | 0.1844% | 1,143 |
| Credit loss provision to net charge-offs | 147.7273% | 1,713 |
| Earnings coverage of net charge-offs (x) | 7.4544% | 2,872 |
| Efficiency ratio | 72.4061% | 2,154 |
| Assets per employee ($millions) | 5.0730% | 2,360 |
| Cash dividends to net income (ytd only)* | 58.5549% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3666% | 5,583 |
| Loan loss allowance to noncurrent loans | 92.0308% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 0.3334% | 3,716 |
| Noncurrent loans to loans | 0.3984% | 3,525 |
| Net loans and leases to total assets | 83.3845% | 502 |
| Net loans and leases to deposits | 94.0720% | 1,299 |
| Net loans and leases to core deposits | 96.3574% | 2,032 |
| Total domestic deposits to total assets | 88.6390% | 1,049 |
| Equity capital to assets | 6.9164% | 5,664 |
| Core capital (leverage) ratio | 7.2287% | 5,650 |
| Tier 1 risk-based capital ratio | 10.0586% | 5,585 |
| Total risk-based capital ratio | 10.4998% | 5,681 |
| Memoranda: | ||
| Average total assets | $113,892,750 | 4,039 |
| Average earning assets | $105,807,750 | 4,027 |
| Average equity | $7,810,000 | 4,864 |
| Average total loans | $95,466,000 | 3,450 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8991% | 3,552 |
| Cost of funding earning assets | 0.1720% | 5,191 |
| Net interest margin | 3.7271% | 2,559 |
| Noninterest income to average assets | 0.6976% | 2,001 |
| Noninterest expense to average assets | 2.9726% | 2,189 |
| Loan and lease loss provision to assets | 0.3452% | 422 |
| Net operating income to assets | 0.8321% | 3,239 |
| Return on assets (ROA) | 0.8321% | 3,293 |
| Pretax return on assets | 0.8321% | 4,154 |
| Return on Equity (ROE) | 12.1709% | 1,249 |
| Retained earnings to average equity (ytd only) | 4.2987% | 3,148 |
| Net charge-offs to loans | 0.2787% | 726 |
| Credit loss provision to net charge-offs | 147.7273% | 1,541 |
| Earnings coverage of net charge-offs (x) | 5.0379% | 2,864 |
| Efficiency ratio | 71.6297% | 2,410 |
| Assets per employee ($millions) | 4.6186% | 2,913 |
| Cash dividends to net income (ytd only)* | 64.6809% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3664% | 5,629 |
| Loan loss allowance to noncurrent loans | 92.0308% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 0.4495% | 3,314 |
| Noncurrent loans to loans | 0.3981% | 3,602 |
| Net loans and leases to total assets | 84.3209% | 409 |
| Net loans and leases to deposits | 93.9534% | 1,267 |
| Net loans and leases to core deposits | 96.2417% | 1,960 |
| Total domestic deposits to total assets | 89.7476% | 621 |
| Equity capital to assets | 6.8340% | 5,719 |
| Core capital (leverage) ratio | 7.2059% | 5,692 |
| Tier 1 risk-based capital ratio | 9.7377% | 5,678 |
| Total risk-based capital ratio | 10.1735% | 5,741 |
| Memoranda: | ||
| Average total assets | $112,963,670 | 4,078 |
| Average earning assets | $104,638,670 | 4,082 |
| Average equity | $7,723,330 | 4,899 |
| Average total loans | $94,737,670 | 3,477 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8576% | 3,558 |
| Cost of funding earning assets | 0.1701% | 5,240 |
| Net interest margin | 3.6875% | 2,525 |
| Noninterest income to average assets | 0.6194% | 2,323 |
| Noninterest expense to average assets | 3.0507% | 2,010 |
| Loan and lease loss provision to assets | 0.2864% | 492 |
| Net operating income to assets | 0.6982% | 3,715 |
| Return on assets (ROA) | 0.6982% | 3,753 |
| Pretax return on assets | 0.6982% | 4,456 |
| Return on Equity (ROE) | 10.2101% | 1,867 |
| Retained earnings to average equity (ytd only) | 1.1519% | 4,603 |
| Net charge-offs to loans | -0.0429% | 5,113 |
| Credit loss provision to net charge-offs | -800.0000% | 4,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5989% | 1,971 |
| Assets per employee ($millions) | 4.9963% | 2,455 |
| Cash dividends to net income (ytd only)* | 88.7179% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4105% | 5,680 |
| Loan loss allowance to noncurrent loans | 73.3333% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 0.6152% | 2,794 |
| Noncurrent loans to loans | 0.5597% | 3,126 |
| Net loans and leases to total assets | 81.2889% | 659 |
| Net loans and leases to deposits | 90.3983% | 1,492 |
| Net loans and leases to core deposits | 92.0108% | 2,164 |
| Total domestic deposits to total assets | 89.9231% | 696 |
| Equity capital to assets | 6.6927% | 5,786 |
| Core capital (leverage) ratio | 7.2059% | 5,748 |
| Tier 1 risk-based capital ratio | 9.7580% | 5,742 |
| Total risk-based capital ratio | 10.2363% | 5,808 |
| Memoranda: | ||
| Average total assets | $111,712,500 | 4,141 |
| Average earning assets | $103,483,500 | 4,142 |
| Average equity | $7,639,500 | 4,949 |
| Average total loans | $93,246,500 | 3,532 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8880% | 3,612 |
| Cost of funding earning assets | 0.1792% | 5,224 |
| Net interest margin | 3.7088% | 2,657 |
| Noninterest income to average assets | 0.7319% | 2,029 |
| Noninterest expense to average assets | 3.0017% | 2,350 |
| Loan and lease loss provision to assets | 0.0684% | 2,998 |
| Net operating income to assets | 1.1180% | 1,828 |
| Return on assets (ROA) | 1.2284% | 1,504 |
| Pretax return on assets | 1.2284% | 2,559 |
| Return on Equity (ROE) | 18.4819% | 291 |
| Retained earnings to average equity (ytd only) | 11.2457% | 286 |
| Net charge-offs to loans | 0.2719% | 1,016 |
| Credit loss provision to net charge-offs | 31.2500% | 3,578 |
| Earnings coverage of net charge-offs (x) | 5.4167% | 3,344 |
| Efficiency ratio | 71.6714% | 2,638 |
| Assets per employee ($millions) | 4.7178% | 2,761 |
| Cash dividends to net income (ytd only)* | 39.1530% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3183% | 5,788 |
| Loan loss allowance to noncurrent loans | 56.0837% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 0.6525% | 2,772 |
| Noncurrent loans to loans | 0.5675% | 3,139 |
| Net loans and leases to total assets | 85.1533% | 291 |
| Net loans and leases to deposits | 95.9352% | 1,003 |
| Net loans and leases to core deposits | 98.0319% | 1,765 |
| Total domestic deposits to total assets | 88.7613% | 1,229 |
| Equity capital to assets | 6.9930% | 5,799 |
| Core capital (leverage) ratio | 7.1936% | 5,792 |
| Tier 1 risk-based capital ratio | 9.9261% | 5,754 |
| Total risk-based capital ratio | 10.3000% | 5,855 |
| Memoranda: | ||
| Average total assets | $109,570,400 | 4,172 |
| Average earning assets | $102,108,000 | 4,163 |
| Average equity | $7,282,800 | 5,043 |
| Average total loans | $88,277,600 | 3,613 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8521% | 3,760 |
| Cost of funding earning assets | 0.1785% | 5,275 |
| Net interest margin | 3.6736% | 2,816 |
| Noninterest income to average assets | 0.6312% | 2,515 |
| Noninterest expense to average assets | 3.0081% | 2,300 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0452% | 2,220 |
| Return on assets (ROA) | 1.1921% | 1,760 |
| Pretax return on assets | 1.1921% | 2,864 |
| Return on Equity (ROE) | 18.1683% | 347 |
| Retained earnings to average equity (ytd only) | 8.4181% | 1,011 |
| Net charge-offs to loans | 0.2661% | 874 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 4.9484% | 3,197 |
| Efficiency ratio | 74.2138% | 2,246 |
| Assets per employee ($millions) | 5.0993% | 2,257 |
| Cash dividends to net income (ytd only)* | 53.6661% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3119% | 5,848 |
| Loan loss allowance to noncurrent loans | 73.5219% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 0.6445% | 2,969 |
| Noncurrent loans to loans | 0.4242% | 3,762 |
| Net loans and leases to total assets | 81.4833% | 688 |
| Net loans and leases to deposits | 91.6521% | 1,544 |
| Net loans and leases to core deposits | 93.3452% | 2,249 |
| Total domestic deposits to total assets | 88.9049% | 957 |
| Equity capital to assets | 6.6898% | 5,909 |
| Core capital (leverage) ratio | 6.8496% | 5,890 |
| Tier 1 risk-based capital ratio | 9.6820% | 5,856 |
| Total risk-based capital ratio | 10.0510% | 5,929 |
| Memoranda: | ||
| Average total assets | $109,835,750 | 4,198 |
| Average earning assets | $102,313,250 | 4,182 |
| Average equity | $7,206,500 | 5,106 |
| Average total loans | $87,173,500 | 3,652 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7892% | 3,992 |
| Cost of funding earning assets | 0.1769% | 5,356 |
| Net interest margin | 3.6123% | 3,048 |
| Noninterest income to average assets | 0.5850% | 2,695 |
| Noninterest expense to average assets | 2.9857% | 2,393 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9702% | 2,522 |
| Return on assets (ROA) | 1.1921% | 1,726 |
| Pretax return on assets | 1.1921% | 2,807 |
| Return on Equity (ROE) | 18.2918% | 340 |
| Retained earnings to average equity (ytd only) | 3.4614% | 3,689 |
| Net charge-offs to loans | 0.0233% | 3,022 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 52.9000% | 961 |
| Efficiency ratio | 75.4752% | 2,152 |
| Assets per employee ($millions) | 4.6985% | 2,718 |
| Cash dividends to net income (ytd only)* | 81.0769% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4903% | 5,808 |
| Loan loss allowance to noncurrent loans | 114.5038% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 4,098 |
| Noncurrent loans to loans | 0.4282% | 3,821 |
| Net loans and leases to total assets | 80.9920% | 755 |
| Net loans and leases to deposits | 91.2223% | 1,604 |
| Net loans and leases to core deposits | 92.8990% | 2,269 |
| Total domestic deposits to total assets | 88.7853% | 1,017 |
| Equity capital to assets | 6.3594% | 5,996 |
| Core capital (leverage) ratio | 6.5604% | 5,972 |
| Tier 1 risk-based capital ratio | 9.4218% | 5,963 |
| Total risk-based capital ratio | 10.0130% | 6,007 |
| Memoranda: | ||
| Average total assets | $109,052,670 | 4,245 |
| Average earning assets | $101,763,000 | 4,232 |
| Average equity | $7,107,000 | 5,172 |
| Average total loans | $85,665,330 | 3,703 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7451% | 4,155 |
| Cost of funding earning assets | 0.1761% | 5,410 |
| Net interest margin | 3.5691% | 3,207 |
| Noninterest income to average assets | 0.5112% | 3,039 |
| Noninterest expense to average assets | 3.0113% | 2,356 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8284% | 3,106 |
| Return on assets (ROA) | 1.1829% | 1,707 |
| Pretax return on assets | 1.1829% | 2,769 |
| Return on Equity (ROE) | 17.9223% | 358 |
| Retained earnings to average equity (ytd only) | 7.7456% | 1,569 |
| Net charge-offs to loans | 0.0484% | 2,073 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 22.2000% | 1,413 |
| Efficiency ratio | 78.4257% | 1,833 |
| Assets per employee ($millions) | 4.6796% | 2,777 |
| Cash dividends to net income (ytd only)* | 56.7823% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5422% | 5,824 |
| Loan loss allowance to noncurrent loans | 81.9672% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 0.5101% | 3,562 |
| Noncurrent loans to loans | 0.6615% | 3,190 |
| Net loans and leases to total assets | 76.6954% | 1,293 |
| Net loans and leases to deposits | 85.4057% | 2,134 |
| Net loans and leases to core deposits | 87.0319% | 2,653 |
| Total domestic deposits to total assets | 89.8013% | 676 |
| Equity capital to assets | 6.6078% | 6,037 |
| Core capital (leverage) ratio | 6.8316% | 6,012 |
| Tier 1 risk-based capital ratio | 9.9610% | 5,918 |
| Total risk-based capital ratio | 10.5877% | 6,020 |
| Memoranda: | ||
| Average total assets | $107,197,500 | 4,324 |
| Average earning assets | $99,970,500 | 4,296 |
| Average equity | $7,075,000 | 5,217 |
| Average total loans | $82,608,500 | 3,791 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9131% | 3,656 |
| Cost of funding earning assets | 0.1834% | 5,417 |
| Net interest margin | 3.7297% | 2,644 |
| Noninterest income to average assets | 0.6393% | 2,519 |
| Noninterest expense to average assets | 3.0466% | 2,398 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0769% | 2,020 |
| Return on assets (ROA) | 1.0769% | 2,091 |
| Pretax return on assets | 1.0769% | 3,164 |
| Return on Equity (ROE) | 16.2626% | 528 |
| Retained earnings to average equity (ytd only) | 1.7297% | 4,741 |
| Net charge-offs to loans | 0.0025% | 4,385 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 550.0000% | 121 |
| Efficiency ratio | 73.8841% | 2,599 |
| Assets per employee ($millions) | 4.8529% | 2,527 |
| Cash dividends to net income (ytd only)* | 89.3636% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5595% | 5,861 |
| Loan loss allowance to noncurrent loans | 111.3801% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 0.3868% | 4,046 |
| Noncurrent loans to loans | 0.5023% | 3,680 |
| Net loans and leases to total assets | 76.5792% | 1,323 |
| Net loans and leases to deposits | 85.1816% | 2,219 |
| Net loans and leases to core deposits | 87.7657% | 2,624 |
| Total domestic deposits to total assets | 89.9011% | 672 |
| Equity capital to assets | 6.5921% | 6,090 |
| Core capital (leverage) ratio | 6.8394% | 6,065 |
| Tier 1 risk-based capital ratio | 9.9564% | 5,960 |
| Total risk-based capital ratio | 10.6093% | 6,055 |
| Memoranda: | ||
| Average total assets | $102,145,600 | 4,422 |
| Average earning assets | $95,422,200 | 4,404 |
| Average equity | $6,764,000 | 5,285 |
| Average total loans | $80,279,200 | 3,819 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9503% | 3,542 |
| Cost of funding earning assets | 0.1836% | 5,518 |
| Net interest margin | 3.7667% | 2,502 |
| Noninterest income to average assets | 0.6390% | 2,531 |
| Noninterest expense to average assets | 3.2227% | 1,910 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9374% | 2,767 |
| Return on assets (ROA) | 0.9374% | 2,870 |
| Pretax return on assets | 0.9374% | 3,856 |
| Return on Equity (ROE) | 14.1385% | 875 |
| Retained earnings to average equity (ytd only) | -5.4165% | 6,035 |
| Net charge-offs to loans | 0.0033% | 4,066 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 354.5468% | 209 |
| Efficiency ratio | 77.4675% | 2,024 |
| Assets per employee ($millions) | 4.4300% | 3,124 |
| Cash dividends to net income (ytd only)* | 138.3102% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5780% | 5,927 |
| Loan loss allowance to noncurrent loans | 110.8434% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 0.4073% | 4,147 |
| Noncurrent loans to loans | 0.5214% | 3,789 |
| Net loans and leases to total assets | 77.6622% | 1,154 |
| Net loans and leases to deposits | 87.8919% | 1,920 |
| Net loans and leases to core deposits | 90.3073% | 2,434 |
| Total domestic deposits to total assets | 88.3610% | 1,369 |
| Equity capital to assets | 6.5688% | 6,177 |
| Core capital (leverage) ratio | 6.5484% | 6,167 |
| Tier 1 risk-based capital ratio | 9.6870% | 6,104 |
| Total risk-based capital ratio | 10.3598% | 6,169 |
| Memoranda: | ||
| Average total assets | $100,991,000 | 4,490 |
| Average earning assets | $94,404,500 | 4,476 |
| Average equity | $6,695,500 | 5,366 |
| Average total loans | $79,794,250 | 3,865 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9503% | 3,486 |
| Cost of funding earning assets | 0.1828% | 5,594 |
| Net interest margin | 3.7675% | 2,447 |
| Noninterest income to average assets | 0.6217% | 2,621 |
| Noninterest expense to average assets | 3.1979% | 1,990 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9435% | 2,669 |
| Return on assets (ROA) | 0.9435% | 2,788 |
| Pretax return on assets | 0.9435% | 3,795 |
| Return on Equity (ROE) | 14.1869% | 865 |
| Retained earnings to average equity (ytd only) | -11.7676% | 6,203 |
| Net charge-offs to loans | 0.0075% | 3,634 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 158.3333% | 416 |
| Efficiency ratio | 77.2182% | 2,172 |
| Assets per employee ($millions) | 4.6732% | 2,711 |
| Cash dividends to net income (ytd only)* | 182.9474% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5728% | 6,012 |
| Loan loss allowance to noncurrent loans | 109.0261% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 0.4095% | 4,278 |
| Noncurrent loans to loans | 0.5254% | 3,880 |
| Net loans and leases to total assets | 77.4934% | 1,136 |
| Net loans and leases to deposits | 87.5130% | 1,888 |
| Net loans and leases to core deposits | 89.8886% | 2,361 |
| Total domestic deposits to total assets | 88.5507% | 1,387 |
| Equity capital to assets | 6.3593% | 6,254 |
| Core capital (leverage) ratio | 6.6252% | 6,229 |
| Tier 1 risk-based capital ratio | 9.5298% | 6,198 |
| Total risk-based capital ratio | 10.2026% | 6,248 |
| Memoranda: | ||
| Average total assets | $100,691,330 | 4,539 |
| Average earning assets | $94,068,000 | 4,520 |
| Average equity | $6,696,330 | 5,413 |
| Average total loans | $79,862,330 | 3,887 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9544% | 3,401 |
| Cost of funding earning assets | 0.1889% | 5,608 |
| Net interest margin | 3.7655% | 2,369 |
| Noninterest income to average assets | 0.5701% | 2,832 |
| Noninterest expense to average assets | 3.2038% | 1,973 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8873% | 2,810 |
| Return on assets (ROA) | 0.8873% | 2,934 |
| Pretax return on assets | 0.8873% | 3,936 |
| Return on Equity (ROE) | 13.0470% | 1,078 |
| Retained earnings to average equity (ytd only) | -16.5301% | 6,239 |
| Net charge-offs to loans | 0.0100% | 2,998 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 110.5000% | 454 |
| Efficiency ratio | 78.3121% | 2,143 |
| Assets per employee ($millions) | 4.0977% | 3,760 |
| Cash dividends to net income (ytd only)* | 226.6968% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5820% | 6,084 |
| Loan loss allowance to noncurrent loans | 111.9221% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.4413% | 4,271 |
| Noncurrent loans to loans | 0.5200% | 4,015 |
| Net loans and leases to total assets | 79.9001% | 699 |
| Net loans and leases to deposits | 90.6665% | 1,325 |
| Net loans and leases to core deposits | 92.8148% | 1,872 |
| Total domestic deposits to total assets | 88.1254% | 1,743 |
| Equity capital to assets | 6.7823% | 6,282 |
| Core capital (leverage) ratio | 6.8892% | 6,249 |
| Tier 1 risk-based capital ratio | 10.0012% | 6,169 |
| Total risk-based capital ratio | 10.6964% | 6,260 |
| Memoranda: | ||
| Average total assets | $99,632,000 | 4,594 |
| Average earning assets | $93,161,500 | 4,567 |
| Average equity | $6,775,500 | 5,443 |
| Average total loans | $79,728,500 | 3,903 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0865% | 3,375 |
| Cost of funding earning assets | 0.2141% | 5,633 |
| Net interest margin | 3.8724% | 2,349 |
| Noninterest income to average assets | 0.5804% | 2,985 |
| Noninterest expense to average assets | 2.9870% | 2,881 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2265% | 1,507 |
| Return on assets (ROA) | 1.2265% | 1,561 |
| Pretax return on assets | 1.2265% | 2,543 |
| Return on Equity (ROE) | 18.5700% | 349 |
| Retained earnings to average equity (ytd only) | 4.6310% | 2,877 |
| Net charge-offs to loans | 0.0127% | 4,644 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 121.5000% | 434 |
| Efficiency ratio | 70.8912% | 3,389 |
| Assets per employee ($millions) | 4.8057% | 2,580 |
| Cash dividends to net income (ytd only)* | 75.0617% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5745% | 6,177 |
| Loan loss allowance to noncurrent loans | 111.8644% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 4,378 |
| Noncurrent loans to loans | 0.5136% | 4,129 |
| Net loans and leases to total assets | 79.2291% | 853 |
| Net loans and leases to deposits | 90.1657% | 1,502 |
| Net loans and leases to core deposits | 91.2211% | 2,163 |
| Total domestic deposits to total assets | 87.8706% | 1,836 |
| Equity capital to assets | 6.8183% | 6,348 |
| Core capital (leverage) ratio | 7.1525% | 6,286 |
| Tier 1 risk-based capital ratio | 10.5057% | 6,099 |
| Total risk-based capital ratio | 11.2094% | 6,221 |
| Memoranda: | ||
| Average total assets | $99,061,400 | 4,624 |
| Average earning assets | $92,939,400 | 4,583 |
| Average equity | $6,542,800 | 5,509 |
| Average total loans | $78,765,600 | 3,908 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0809% | 3,452 |
| Cost of funding earning assets | 0.2206% | 5,662 |
| Net interest margin | 3.8602% | 2,390 |
| Noninterest income to average assets | 0.5166% | 3,431 |
| Noninterest expense to average assets | 3.1170% | 2,416 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0196% | 2,370 |
| Return on assets (ROA) | 1.0196% | 2,423 |
| Pretax return on assets | 1.0196% | 3,521 |
| Return on Equity (ROE) | 15.5663% | 737 |
| Retained earnings to average equity (ytd only) | -0.9290% | 5,951 |
| Net charge-offs to loans | 0.0170% | 4,196 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 75.4171% | 735 |
| Efficiency ratio | 75.3514% | 2,607 |
| Assets per employee ($millions) | 4.8457% | 2,449 |
| Cash dividends to net income (ytd only)* | 105.9683% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5698% | 6,263 |
| Loan loss allowance to noncurrent loans | 114.6402% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.4186% | 4,662 |
| Noncurrent loans to loans | 0.4971% | 4,433 |
| Net loans and leases to total assets | 79.2178% | 806 |
| Net loans and leases to deposits | 90.1075% | 1,419 |
| Net loans and leases to core deposits | 91.6118% | 2,066 |
| Total domestic deposits to total assets | 87.9147% | 1,806 |
| Equity capital to assets | 6.4053% | 6,454 |
| Core capital (leverage) ratio | 6.6548% | 6,424 |
| Tier 1 risk-based capital ratio | 9.5988% | 6,425 |
| Total risk-based capital ratio | 10.2758% | 6,468 |
| Memoranda: | ||
| Average total assets | $98,596,750 | 4,675 |
| Average earning assets | $92,461,500 | 4,638 |
| Average equity | $6,458,250 | 5,591 |
| Average total loans | $78,352,000 | 3,950 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0548% | 3,524 |
| Cost of funding earning assets | 0.2296% | 5,667 |
| Net interest margin | 3.8252% | 2,464 |
| Noninterest income to average assets | 0.4921% | 3,529 |
| Noninterest expense to average assets | 3.1556% | 2,318 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9227% | 2,691 |
| Return on assets (ROA) | 0.9227% | 2,793 |
| Pretax return on assets | 0.9227% | 3,793 |
| Return on Equity (ROE) | 13.9788% | 959 |
| Retained earnings to average equity (ytd only) | -6.2749% | 6,308 |
| Net charge-offs to loans | 0.0258% | 3,682 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 972 |
| Efficiency ratio | 77.3756% | 2,395 |
| Assets per employee ($millions) | 4.5915% | 2,780 |
| Cash dividends to net income (ytd only)* | 144.8889% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5765% | 6,341 |
| Loan loss allowance to noncurrent loans | 93.3333% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 0.5372% | 4,383 |
| Noncurrent loans to loans | 0.6177% | 4,173 |
| Net loans and leases to total assets | 82.6345% | 407 |
| Net loans and leases to deposits | 93.3358% | 1,023 |
| Net loans and leases to core deposits | 95.6070% | 1,635 |
| Total domestic deposits to total assets | 88.5347% | 1,616 |
| Equity capital to assets | 6.6199% | 6,482 |
| Core capital (leverage) ratio | 6.6633% | 6,479 |
| Tier 1 risk-based capital ratio | 9.6058% | 6,475 |
| Total risk-based capital ratio | 10.3001% | 6,526 |
| Memoranda: | ||
| Average total assets | $97,542,330 | 4,743 |
| Average earning assets | $91,446,330 | 4,690 |
| Average equity | $6,438,330 | 5,622 |
| Average total loans | $77,444,670 | 3,989 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9469% | 3,905 |
| Cost of funding earning assets | 0.2429% | 5,657 |
| Net interest margin | 3.7040% | 2,851 |
| Noninterest income to average assets | 0.4077% | 4,116 |
| Noninterest expense to average assets | 3.1232% | 2,466 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7665% | 3,327 |
| Return on assets (ROA) | 0.7665% | 3,410 |
| Pretax return on assets | 0.7665% | 4,243 |
| Return on Equity (ROE) | 11.6301% | 1,513 |
| Retained earnings to average equity (ytd only) | -6.4955% | 6,208 |
| Net charge-offs to loans | 0.0526% | 2,650 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 18.8000% | 1,406 |
| Efficiency ratio | 80.2935% | 2,162 |
| Assets per employee ($millions) | 4.4017% | 3,146 |
| Cash dividends to net income (ytd only)* | 155.8511% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5906% | 6,419 |
| Loan loss allowance to noncurrent loans | 93.3333% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 0.5349% | 4,544 |
| Noncurrent loans to loans | 0.6327% | 4,278 |
| Net loans and leases to total assets | 80.3073% | 516 |
| Net loans and leases to deposits | 89.7289% | 1,185 |
| Net loans and leases to core deposits | 91.8842% | 1,742 |
| Total domestic deposits to total assets | 89.5000% | 1,364 |
| Equity capital to assets | 6.6492% | 6,508 |
| Core capital (leverage) ratio | 6.7523% | 6,514 |
| Tier 1 risk-based capital ratio | 10.1229% | 6,448 |
| Total risk-based capital ratio | 10.8435% | 6,523 |
| Memoranda: | ||
| Average total assets | $98,103,000 | 4,769 |
| Average earning assets | $92,225,000 | 4,719 |
| Average equity | $6,466,000 | 5,644 |
| Average total loans | $76,097,500 | 4,062 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0662% | 3,860 |
| Cost of funding earning assets | 0.3305% | 5,319 |
| Net interest margin | 3.7357% | 2,918 |
| Noninterest income to average assets | 0.6959% | 2,565 |
| Noninterest expense to average assets | 3.1101% | 2,702 |
| Loan and lease loss provision to assets | 0.1183% | 2,837 |
| Net operating income to assets | 0.9536% | 2,556 |
| Return on assets (ROA) | 0.9536% | 2,625 |
| Pretax return on assets | 0.9536% | 3,544 |
| Return on Equity (ROE) | 13.8259% | 987 |
| Retained earnings to average equity (ytd only) | -0.7809% | 6,025 |
| Net charge-offs to loans | 0.2065% | 2,812 |
| Credit loss provision to net charge-offs | 76.7123% | 3,124 |
| Earnings coverage of net charge-offs (x) | 6.9521% | 2,942 |
| Efficiency ratio | 74.3687% | 3,067 |
| Assets per employee ($millions) | 4.5167% | 2,873 |
| Cash dividends to net income (ytd only)* | 105.6478% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6381% | 6,433 |
| Loan loss allowance to noncurrent loans | 95.7404% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 0.5193% | 4,687 |
| Noncurrent loans to loans | 0.6665% | 4,308 |
| Net loans and leases to total assets | 73.9604% | 1,354 |
| Net loans and leases to deposits | 85.3082% | 1,774 |
| Net loans and leases to core deposits | 87.3741% | 2,305 |
| Total domestic deposits to total assets | 86.6979% | 2,878 |
| Equity capital to assets | 6.5343% | 6,565 |
| Core capital (leverage) ratio | 6.9161% | 6,539 |
| Tier 1 risk-based capital ratio | 10.5937% | 6,337 |
| Total risk-based capital ratio | 11.3519% | 6,451 |
| Memoranda: | ||
| Average total assets | $94,692,400 | 4,876 |
| Average earning assets | $88,363,200 | 4,822 |
| Average equity | $6,531,200 | 5,685 |
| Average total loans | $70,700,000 | 4,242 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1331% | 3,629 |
| Cost of funding earning assets | 0.3416% | 5,368 |
| Net interest margin | 3.7915% | 2,670 |
| Noninterest income to average assets | 0.6900% | 2,664 |
| Noninterest expense to average assets | 3.0166% | 2,934 |
| Loan and lease loss provision to assets | 0.1597% | 2,265 |
| Net operating income to assets | 1.0421% | 2,218 |
| Return on assets (ROA) | 1.0421% | 2,298 |
| Pretax return on assets | 1.0421% | 3,328 |
| Return on Equity (ROE) | 14.9010% | 814 |
| Retained earnings to average equity (ytd only) | -4.4642% | 6,467 |
| Net charge-offs to loans | 0.2785% | 2,156 |
| Credit loss provision to net charge-offs | 76.7123% | 2,927 |
| Earnings coverage of net charge-offs (x) | 5.7740% | 3,107 |
| Efficiency ratio | 71.5106% | 3,506 |
| Assets per employee ($millions) | 4.3268% | 3,171 |
| Cash dividends to net income (ytd only)* | 129.9598% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6687% | 6,476 |
| Loan loss allowance to noncurrent loans | 95.7404% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 0.5421% | 4,823 |
| Noncurrent loans to loans | 0.6985% | 4,453 |
| Net loans and leases to total assets | 73.6548% | 1,335 |
| Net loans and leases to deposits | 82.7710% | 2,036 |
| Net loans and leases to core deposits | 84.9461% | 2,546 |
| Total domestic deposits to total assets | 88.9862% | 1,558 |
| Equity capital to assets | 6.7560% | 6,603 |
| Core capital (leverage) ratio | 6.9729% | 6,592 |
| Tier 1 risk-based capital ratio | 10.7477% | 6,384 |
| Total risk-based capital ratio | 11.5373% | 6,482 |
| Memoranda: | ||
| Average total assets | $93,523,500 | 4,944 |
| Average earning assets | $87,035,000 | 4,899 |
| Average equity | $6,540,750 | 5,752 |
| Average total loans | $69,883,750 | 4,303 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1482% | 3,546 |
| Cost of funding earning assets | 0.3509% | 5,397 |
| Net interest margin | 3.7974% | 2,567 |
| Noninterest income to average assets | 0.7035% | 2,617 |
| Noninterest expense to average assets | 3.1688% | 2,448 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0735% | 2,020 |
| Return on assets (ROA) | 1.0735% | 2,135 |
| Pretax return on assets | 1.0735% | 3,199 |
| Return on Equity (ROE) | 15.1733% | 782 |
| Retained earnings to average equity (ytd only) | -5.7166% | 6,497 |
| Net charge-offs to loans | 0.0029% | 4,869 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 499.0000% | 91 |
| Efficiency ratio | 74.6957% | 2,990 |
| Assets per employee ($millions) | 4.1694% | 3,429 |
| Cash dividends to net income (ytd only)* | 137.6754% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7118% | 6,483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 6,460 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 76.7996% | 889 |
| Net loans and leases to deposits | 86.8150% | 1,478 |
| Net loans and leases to core deposits | 89.5189% | 1,954 |
| Total domestic deposits to total assets | 88.4636% | 1,939 |
| Equity capital to assets | 7.0524% | 6,593 |
| Core capital (leverage) ratio | 7.0432% | 6,603 |
| Tier 1 risk-based capital ratio | 10.6715% | 6,453 |
| Total risk-based capital ratio | 11.5061% | 6,547 |
| Memoranda: | ||
| Average total assets | $92,968,000 | 4,988 |
| Average earning assets | $86,639,330 | 4,933 |
| Average equity | $6,577,330 | 5,784 |
| Average total loans | $69,650,330 | 4,321 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0997% | 3,731 |
| Cost of funding earning assets | 0.3589% | 5,455 |
| Net interest margin | 3.7408% | 2,698 |
| Noninterest income to average assets | 0.6197% | 3,029 |
| Noninterest expense to average assets | 3.0175% | 2,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0771% | 1,942 |
| Return on assets (ROA) | 1.0771% | 2,047 |
| Pretax return on assets | 1.0771% | 3,036 |
| Return on Equity (ROE) | 15.2002% | 721 |
| Retained earnings to average equity (ytd only) | -4.0413% | 6,283 |
| Net charge-offs to loans | 0.0058% | 4,045 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 252.0000% | 151 |
| Efficiency ratio | 73.6952% | 3,317 |
| Assets per employee ($millions) | 4.2398% | 3,455 |
| Cash dividends to net income (ytd only)* | 126.5873% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7352% | 6,543 |
| Loan loss allowance to noncurrent loans | 543.0108% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.1244% | 6,200 |
| Noncurrent loans to loans | 0.1354% | 6,061 |
| Net loans and leases to total assets | 73.0981% | 1,190 |
| Net loans and leases to deposits | 83.3604% | 1,654 |
| Net loans and leases to core deposits | 86.0353% | 2,101 |
| Total domestic deposits to total assets | 87.6892% | 2,524 |
| Equity capital to assets | 7.0715% | 6,699 |
| Core capital (leverage) ratio | 7.3031% | 6,542 |
| Tier 1 risk-based capital ratio | 11.0149% | 6,400 |
| Total risk-based capital ratio | 11.8605% | 6,519 |
| Memoranda: | ||
| Average total assets | $93,588,500 | 5,008 |
| Average earning assets | $86,933,000 | 4,959 |
| Average equity | $6,631,500 | 5,837 |
| Average total loans | $69,000,000 | 4,374 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4927% | 3,421 |
| Cost of funding earning assets | 0.5796% | 4,538 |
| Net interest margin | 3.9131% | 2,771 |
| Noninterest income to average assets | 0.8498% | 2,045 |
| Noninterest expense to average assets | 2.9202% | 3,564 |
| Loan and lease loss provision to assets | 0.1064% | 4,306 |
| Net operating income to assets | 1.4880% | 937 |
| Return on assets (ROA) | 1.4880% | 1,035 |
| Pretax return on assets | 1.4880% | 1,712 |
| Return on Equity (ROE) | 20.7353% | 273 |
| Retained earnings to average equity (ytd only) | -0.7487% | 5,984 |
| Net charge-offs to loans | 0.0677% | 5,003 |
| Credit loss provision to net charge-offs | 210.8696% | 1,206 |
| Earnings coverage of net charge-offs (x) | 31.6087% | 969 |
| Efficiency ratio | 64.6830% | 4,761 |
| Assets per employee ($millions) | 4.2682% | 3,422 |
| Cash dividends to net income (ytd only)* | 103.6109% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7300% | 6,601 |
| Loan loss allowance to noncurrent loans | 544.0860% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.1235% | 6,261 |
| Noncurrent loans to loans | 0.1342% | 6,148 |
| Net loans and leases to total assets | 73.2750% | 1,290 |
| Net loans and leases to deposits | 82.8788% | 1,895 |
| Net loans and leases to core deposits | 86.3854% | 2,262 |
| Total domestic deposits to total assets | 88.4123% | 1,958 |
| Equity capital to assets | 7.1000% | 6,755 |
| Core capital (leverage) ratio | 7.3304% | 6,573 |
| Tier 1 risk-based capital ratio | 10.4152% | 6,583 |
| Total risk-based capital ratio | 11.2083% | 6,679 |
| Memoranda: | ||
| Average total assets | $91,193,800 | 5,048 |
| Average earning assets | $85,405,400 | 4,979 |
| Average equity | $6,544,400 | 5,883 |
| Average total loans | $67,962,600 | 4,423 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5346% | 3,498 |
| Cost of funding earning assets | 0.6227% | 4,426 |
| Net interest margin | 3.9119% | 2,872 |
| Noninterest income to average assets | 0.7704% | 2,378 |
| Noninterest expense to average assets | 2.9504% | 3,405 |
| Loan and lease loss provision to assets | 0.1370% | 3,832 |
| Net operating income to assets | 1.3566% | 1,316 |
| Return on assets (ROA) | 1.3566% | 1,453 |
| Pretax return on assets | 1.3566% | 2,386 |
| Return on Equity (ROE) | 18.8520% | 408 |
| Retained earnings to average equity (ytd only) | -6.4682% | 6,693 |
| Net charge-offs to loans | 0.0552% | 4,883 |
| Credit loss provision to net charge-offs | 332.1429% | 799 |
| Earnings coverage of net charge-offs (x) | 36.2167% | 945 |
| Efficiency ratio | 66.3905% | 4,374 |
| Assets per employee ($millions) | 4.1490% | 3,576 |
| Cash dividends to net income (ytd only)* | 134.3103% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7501% | 6,687 |
| Loan loss allowance to noncurrent loans | 753.6232% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 6,476 |
| Noncurrent loans to loans | 0.0995% | 6,366 |
| Net loans and leases to total assets | 75.3785% | 1,065 |
| Net loans and leases to deposits | 87.0430% | 1,477 |
| Net loans and leases to core deposits | 91.9176% | 1,788 |
| Total domestic deposits to total assets | 86.5992% | 2,924 |
| Equity capital to assets | 7.0181% | 6,878 |
| Core capital (leverage) ratio | 7.0295% | 6,789 |
| Tier 1 risk-based capital ratio | 10.3095% | 6,726 |
| Total risk-based capital ratio | 11.1501% | 6,803 |
| Memoranda: | ||
| Average total assets | $90,517,000 | 5,122 |
| Average earning assets | $85,002,750 | 5,042 |
| Average equity | $6,513,750 | 5,955 |
| Average total loans | $67,625,250 | 4,479 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5308% | 3,640 |
| Cost of funding earning assets | 0.6634% | 4,337 |
| Net interest margin | 3.8673% | 3,053 |
| Noninterest income to average assets | 0.7600% | 2,371 |
| Noninterest expense to average assets | 2.8827% | 3,690 |
| Loan and lease loss provision to assets | 0.1883% | 3,216 |
| Net operating income to assets | 1.3184% | 1,395 |
| Return on assets (ROA) | 1.3184% | 1,544 |
| Pretax return on assets | 1.3184% | 2,491 |
| Return on Equity (ROE) | 18.1689% | 488 |
| Retained earnings to average equity (ytd only) | -10.1685% | 6,839 |
| Net charge-offs to loans | 0.0865% | 4,284 |
| Credit loss provision to net charge-offs | 293.1034% | 997 |
| Earnings coverage of net charge-offs (x) | 23.4483% | 1,251 |
| Efficiency ratio | 65.6739% | 4,589 |
| Assets per employee ($millions) | 4.1595% | 3,546 |
| Cash dividends to net income (ytd only)* | 155.9664% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7533% | 6,753 |
| Loan loss allowance to noncurrent loans | 460.3604% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.4841% | 5,549 |
| Noncurrent loans to loans | 0.1636% | 6,256 |
| Net loans and leases to total assets | 73.5761% | 1,313 |
| Net loans and leases to deposits | 84.6467% | 1,767 |
| Net loans and leases to core deposits | 89.9205% | 1,995 |
| Total domestic deposits to total assets | 86.9214% | 2,819 |
| Equity capital to assets | 6.9841% | 6,913 |
| Core capital (leverage) ratio | 7.1123% | 6,782 |
| Tier 1 risk-based capital ratio | 10.3660% | 6,736 |
| Total risk-based capital ratio | 11.2004% | 6,824 |
| Memoranda: | ||
| Average total assets | $90,263,330 | 5,159 |
| Average earning assets | $84,709,330 | 5,083 |
| Average equity | $6,549,670 | 5,967 |
| Average total loans | $67,059,000 | 4,522 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5887% | 3,555 |
| Cost of funding earning assets | 0.7151% | 4,153 |
| Net interest margin | 3.8736% | 3,037 |
| Noninterest income to average assets | 0.7720% | 2,290 |
| Noninterest expense to average assets | 2.6997% | 4,426 |
| Loan and lease loss provision to assets | 0.3793% | 1,664 |
| Net operating income to assets | 1.3431% | 1,339 |
| Return on assets (ROA) | 1.3431% | 1,498 |
| Pretax return on assets | 1.3431% | 2,379 |
| Return on Equity (ROE) | 18.1626% | 531 |
| Retained earnings to average equity (ytd only) | -11.9475% | 6,899 |
| Net charge-offs to loans | -0.0180% | 6,141 |
| Credit loss provision to net charge-offs | -2,833.3333% | 6,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0494% | 5,448 |
| Assets per employee ($millions) | 4.3491% | 3,307 |
| Cash dividends to net income (ytd only)* | 165.7807% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8251% | 6,697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 6,844 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 71.4609% | 1,492 |
| Net loans and leases to deposits | 81.7962% | 1,965 |
| Net loans and leases to core deposits | 87.1177% | 2,164 |
| Total domestic deposits to total assets | 87.3646% | 2,736 |
| Equity capital to assets | 7.1487% | 6,893 |
| Core capital (leverage) ratio | 7.4332% | 6,676 |
| Tier 1 risk-based capital ratio | 10.7118% | 6,665 |
| Total risk-based capital ratio | 11.6073% | 6,775 |
| Memoranda: | ||
| Average total assets | $89,641,000 | 5,220 |
| Average earning assets | $84,468,500 | 5,128 |
| Average equity | $6,629,000 | 5,989 |
| Average total loans | $66,669,000 | 4,560 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0447% | 2,684 |
| Cost of funding earning assets | 0.8418% | 4,529 |
| Net interest margin | 4.2029% | 2,047 |
| Noninterest income to average assets | 0.8339% | 1,911 |
| Noninterest expense to average assets | 3.2036% | 2,850 |
| Loan and lease loss provision to assets | 0.1516% | 4,723 |
| Net operating income to assets | 1.4244% | 980 |
| Return on assets (ROA) | 1.4244% | 1,054 |
| Pretax return on assets | 1.4244% | 1,699 |
| Return on Equity (ROE) | 18.9840% | 317 |
| Retained earnings to average equity (ytd only) | 0.2296% | 5,721 |
| Net charge-offs to loans | 0.1821% | 4,697 |
| Credit loss provision to net charge-offs | 103.9370% | 3,318 |
| Earnings coverage of net charge-offs (x) | 10.8031% | 1,788 |
| Efficiency ratio | 67.0272% | 4,570 |
| Assets per employee ($millions) | 4.1881% | 3,484 |
| Cash dividends to net income (ytd only)* | 98.7903% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6738% | 6,939 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 6,733 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 76.2629% | 918 |
| Net loans and leases to deposits | 88.3262% | 1,335 |
| Net loans and leases to core deposits | 94.3840% | 1,653 |
| Total domestic deposits to total assets | 86.3424% | 3,117 |
| Equity capital to assets | 7.6509% | 6,747 |
| Core capital (leverage) ratio | 7.8256% | 6,421 |
| Tier 1 risk-based capital ratio | 10.9959% | 6,460 |
| Total risk-based capital ratio | 11.7434% | 6,667 |
| Memoranda: | ||
| Average total assets | $87,057,200 | 5,259 |
| Average earning assets | $81,729,800 | 5,178 |
| Average equity | $6,531,800 | 6,009 |
| Average total loans | $69,747,200 | 4,500 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0907% | 2,644 |
| Cost of funding earning assets | 0.8801% | 4,552 |
| Net interest margin | 4.2106% | 2,055 |
| Noninterest income to average assets | 0.5912% | 3,227 |
| Noninterest expense to average assets | 3.2091% | 2,800 |
| Loan and lease loss provision to assets | 0.1566% | 4,511 |
| Net operating income to assets | 1.1700% | 1,746 |
| Return on assets (ROA) | 1.1700% | 1,862 |
| Pretax return on assets | 1.1700% | 2,738 |
| Return on Equity (ROE) | 15.6725% | 725 |
| Retained earnings to average equity (ytd only) | -9.5229% | 6,844 |
| Net charge-offs to loans | 0.2409% | 3,916 |
| Credit loss provision to net charge-offs | 80.3150% | 4,131 |
| Earnings coverage of net charge-offs (x) | 6.8031% | 2,482 |
| Efficiency ratio | 70.7515% | 3,799 |
| Assets per employee ($millions) | 4.0660% | 3,704 |
| Cash dividends to net income (ytd only)* | 160.7616% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6088% | 7,072 |
| Loan loss allowance to noncurrent loans | 456.9892% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.2600% | 6,408 |
| Noncurrent loans to loans | 0.1332% | 6,606 |
| Net loans and leases to total assets | 81.2653% | 410 |
| Net loans and leases to deposits | 93.0635% | 913 |
| Net loans and leases to core deposits | 99.5752% | 1,290 |
| Total domestic deposits to total assets | 87.3224% | 2,460 |
| Equity capital to assets | 7.3184% | 6,978 |
| Core capital (leverage) ratio | 7.3852% | 6,816 |
| Tier 1 risk-based capital ratio | 10.1340% | 6,915 |
| Total risk-based capital ratio | 10.8269% | 7,041 |
| Memoranda: | ||
| Average total assets | $86,833,750 | 5,303 |
| Average earning assets | $81,348,500 | 5,229 |
| Average equity | $6,482,500 | 6,063 |
| Average total loans | $70,301,750 | 4,514 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0877% | 2,742 |
| Cost of funding earning assets | 0.9033% | 4,637 |
| Net interest margin | 4.1844% | 2,104 |
| Noninterest income to average assets | 0.5543% | 3,441 |
| Noninterest expense to average assets | 3.1953% | 2,917 |
| Loan and lease loss provision to assets | 0.1924% | 4,000 |
| Net operating income to assets | 1.0926% | 1,898 |
| Return on assets (ROA) | 1.0926% | 1,989 |
| Pretax return on assets | 1.0926% | 2,881 |
| Return on Equity (ROE) | 14.5420% | 882 |
| Retained earnings to average equity (ytd only) | -9.2069% | 6,839 |
| Net charge-offs to loans | 0.3605% | 3,114 |
| Credit loss provision to net charge-offs | 66.1417% | 4,171 |
| Earnings coverage of net charge-offs (x) | 4.4173% | 2,862 |
| Efficiency ratio | 71.3190% | 3,875 |
| Assets per employee ($millions) | 3.6651% | 4,527 |
| Cash dividends to net income (ytd only)* | 163.3124% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5759% | 7,170 |
| Loan loss allowance to noncurrent loans | 41.9421% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 1.3013% | 4,302 |
| Noncurrent loans to loans | 1.3730% | 4,351 |
| Net loans and leases to total assets | 83.1550% | 294 |
| Net loans and leases to deposits | 95.8658% | 736 |
| Net loans and leases to core deposits | 103.2493% | 1,097 |
| Total domestic deposits to total assets | 86.7411% | 2,892 |
| Equity capital to assets | 7.5838% | 6,910 |
| Core capital (leverage) ratio | 7.4851% | 6,751 |
| Tier 1 risk-based capital ratio | 10.3210% | 6,862 |
| Total risk-based capital ratio | 10.9782% | 7,049 |
| Memoranda: | ||
| Average total assets | $87,316,000 | 5,331 |
| Average earning assets | $81,923,670 | 5,260 |
| Average equity | $6,560,330 | 6,064 |
| Average total loans | $70,464,000 | 4,555 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0310% | 2,950 |
| Cost of funding earning assets | 0.9283% | 4,725 |
| Net interest margin | 4.1027% | 2,253 |
| Noninterest income to average assets | 0.5944% | 3,212 |
| Noninterest expense to average assets | 3.1343% | 3,126 |
| Loan and lease loss provision to assets | 0.2432% | 3,239 |
| Net operating income to assets | 1.0583% | 1,982 |
| Return on assets (ROA) | 1.0583% | 2,033 |
| Pretax return on assets | 1.0583% | 2,909 |
| Return on Equity (ROE) | 14.1481% | 961 |
| Retained earnings to average equity (ytd only) | 2.0470% | 4,908 |
| Net charge-offs to loans | -0.0341% | 6,751 |
| Credit loss provision to net charge-offs | -900.0000% | 6,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6599% | 4,123 |
| Assets per employee ($millions) | 4.1616% | 3,516 |
| Cash dividends to net income (ytd only)* | 85.5319% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7212% | 7,052 |
| Loan loss allowance to noncurrent loans | 102.2088% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.6030% | 5,765 |
| Noncurrent loans to loans | 0.7056% | 5,606 |
| Net loans and leases to total assets | 80.1723% | 496 |
| Net loans and leases to deposits | 91.8572% | 1,034 |
| Net loans and leases to core deposits | 98.7026% | 1,454 |
| Total domestic deposits to total assets | 87.2793% | 2,778 |
| Equity capital to assets | 7.6276% | 6,798 |
| Core capital (leverage) ratio | 7.7138% | 6,547 |
| Tier 1 risk-based capital ratio | 10.7621% | 6,658 |
| Total risk-based capital ratio | 11.5782% | 6,879 |
| Memoranda: | ||
| Average total assets | $88,825,000 | 5,323 |
| Average earning assets | $83,164,000 | 5,266 |
| Average equity | $6,644,000 | 6,047 |
| Average total loans | $70,444,000 | 4,607 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3213% | 3,023 |
| Cost of funding earning assets | 1.1278% | 4,979 |
| Net interest margin | 4.1936% | 2,212 |
| Noninterest income to average assets | 0.6907% | 2,895 |
| Noninterest expense to average assets | 3.2918% | 2,764 |
| Loan and lease loss provision to assets | 0.1365% | 5,806 |
| Net operating income to assets | 1.1845% | 1,447 |
| Return on assets (ROA) | 1.3939% | 1,035 |
| Pretax return on assets | 1.3939% | 1,681 |
| Return on Equity (ROE) | 18.8921% | 321 |
| Retained earnings to average equity (ytd only) | 2.9148% | 3,817 |
| Net charge-offs to loans | 0.0601% | 6,193 |
| Credit loss provision to net charge-offs | 285.7143% | 949 |
| Earnings coverage of net charge-offs (x) | 27.6429% | 790 |
| Efficiency ratio | 71.3616% | 3,921 |
| Assets per employee ($millions) | 4.1026% | 3,573 |
| Cash dividends to net income (ytd only)* | 84.5714% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6386% | 7,215 |
| Loan loss allowance to noncurrent loans | 75.3356% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 0.6925% | 5,621 |
| Noncurrent loans to loans | 0.8476% | 5,363 |
| Net loans and leases to total assets | 77.4067% | 1,031 |
| Net loans and leases to deposits | 87.9690% | 1,794 |
| Net loans and leases to core deposits | 94.8840% | 2,149 |
| Total domestic deposits to total assets | 87.9932% | 2,253 |
| Equity capital to assets | 7.3368% | 6,980 |
| Core capital (leverage) ratio | 7.4973% | 6,709 |
| Tier 1 risk-based capital ratio | 10.5900% | 6,645 |
| Total risk-based capital ratio | 11.3019% | 6,948 |
| Memoranda: | ||
| Average total assets | $87,885,600 | 5,350 |
| Average earning assets | $82,197,600 | 5,269 |
| Average equity | $6,484,200 | 6,206 |
| Average total loans | $69,871,800 | 4,686 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3399% | 3,167 |
| Cost of funding earning assets | 1.1666% | 5,051 |
| Net interest margin | 4.1733% | 2,322 |
| Noninterest income to average assets | 0.6064% | 3,399 |
| Noninterest expense to average assets | 3.2640% | 2,694 |
| Loan and lease loss provision to assets | 0.1375% | 5,654 |
| Net operating income to assets | 1.0951% | 1,905 |
| Return on assets (ROA) | 1.3762% | 1,237 |
| Pretax return on assets | 1.3762% | 1,948 |
| Return on Equity (ROE) | 18.6255% | 419 |
| Retained earnings to average equity (ytd only) | 0.7442% | 5,505 |
| Net charge-offs to loans | 0.0153% | 6,465 |
| Credit loss provision to net charge-offs | 1,125.0000% | 258 |
| Earnings coverage of net charge-offs (x) | 100.8407% | 304 |
| Efficiency ratio | 72.5883% | 3,594 |
| Assets per employee ($millions) | 3.7244% | 4,450 |
| Cash dividends to net income (ytd only)* | 96.0043% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6521% | 7,279 |
| Loan loss allowance to noncurrent loans | 471.8750% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 7,001 |
| Noncurrent loans to loans | 0.1382% | 6,900 |
| Net loans and leases to total assets | 77.2154% | 1,174 |
| Net loans and leases to deposits | 88.0839% | 1,998 |
| Net loans and leases to core deposits | 95.1094% | 2,370 |
| Total domestic deposits to total assets | 87.6612% | 2,180 |
| Equity capital to assets | 7.2876% | 7,233 |
| Core capital (leverage) ratio | 7.4300% | 6,900 |
| Tier 1 risk-based capital ratio | 10.3666% | 6,851 |
| Total risk-based capital ratio | 11.0861% | 7,133 |
| Memoranda: | ||
| Average total assets | $87,292,750 | 5,432 |
| Average earning assets | $81,373,000 | 5,361 |
| Average equity | $6,449,750 | 6,301 |
| Average total loans | $69,761,250 | 4,765 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3150% | 3,391 |
| Cost of funding earning assets | 1.2057% | 5,094 |
| Net interest margin | 4.1093% | 2,513 |
| Noninterest income to average assets | 0.5774% | 3,497 |
| Noninterest expense to average assets | 3.2981% | 2,569 |
| Loan and lease loss provision to assets | 0.1386% | 5,509 |
| Net operating income to assets | 0.9585% | 2,336 |
| Return on assets (ROA) | 0.9585% | 2,421 |
| Pretax return on assets | 0.9585% | 3,281 |
| Return on Equity (ROE) | 12.9116% | 1,262 |
| Retained earnings to average equity (ytd only) | -3.8579% | 6,422 |
| Net charge-offs to loans | 0.0057% | 6,292 |
| Credit loss provision to net charge-offs | 3,000.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 237.5000% | 140 |
| Efficiency ratio | 75.0394% | 3,253 |
| Assets per employee ($millions) | 3.9498% | 3,865 |
| Cash dividends to net income (ytd only)* | 129.8795% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6093% | 7,399 |
| Loan loss allowance to noncurrent loans | 1,300.0000% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 7,214 |
| Noncurrent loans to loans | 0.0469% | 7,197 |
| Net loans and leases to total assets | 80.5294% | 723 |
| Net loans and leases to deposits | 91.5569% | 1,604 |
| Net loans and leases to core deposits | 99.0292% | 2,120 |
| Total domestic deposits to total assets | 87.9556% | 2,030 |
| Equity capital to assets | 7.4009% | 7,168 |
| Core capital (leverage) ratio | 7.4122% | 6,910 |
| Tier 1 risk-based capital ratio | 10.0977% | 6,976 |
| Total risk-based capital ratio | 10.7782% | 7,254 |
| Memoranda: | ||
| Average total assets | $86,595,330 | 5,493 |
| Average earning assets | $80,451,670 | 5,421 |
| Average equity | $6,428,330 | 6,327 |
| Average total loans | $69,857,670 | 4,799 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2969% | 3,567 |
| Cost of funding earning assets | 1.2743% | 4,970 |
| Net interest margin | 4.0226% | 2,778 |
| Noninterest income to average assets | 0.6663% | 2,837 |
| Noninterest expense to average assets | 3.3316% | 2,422 |
| Loan and lease loss provision to assets | 0.1388% | 5,163 |
| Net operating income to assets | 0.9208% | 2,470 |
| Return on assets (ROA) | 0.9208% | 2,534 |
| Pretax return on assets | 0.9208% | 3,383 |
| Return on Equity (ROE) | 12.3852% | 1,393 |
| Retained earnings to average equity (ytd only) | -7.7797% | 6,811 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8693% | 3,241 |
| Assets per employee ($millions) | 3.9836% | 3,913 |
| Cash dividends to net income (ytd only)* | 162.8141% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5842% | 7,520 |
| Loan loss allowance to noncurrent loans | 1,113.8889% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 7,306 |
| Noncurrent loans to loans | 0.0524% | 7,272 |
| Net loans and leases to total assets | 77.8637% | 1,177 |
| Net loans and leases to deposits | 87.8316% | 2,251 |
| Net loans and leases to core deposits | 93.8716% | 2,855 |
| Total domestic deposits to total assets | 88.6512% | 1,704 |
| Equity capital to assets | 7.2616% | 7,238 |
| Core capital (leverage) ratio | 7.5164% | 6,836 |
| Tier 1 risk-based capital ratio | 10.3198% | 6,793 |
| Total risk-based capital ratio | 10.9700% | 7,192 |
| Memoranda: | ||
| Average total assets | $86,445,500 | 5,561 |
| Average earning assets | $80,047,000 | 5,504 |
| Average equity | $6,427,000 | 6,374 |
| Average total loans | $69,584,000 | 4,880 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4890% | 4,201 |
| Cost of funding earning assets | 1.5403% | 5,335 |
| Net interest margin | 3.9487% | 3,084 |
| Noninterest income to average assets | 0.7242% | 2,826 |
| Noninterest expense to average assets | 3.2181% | 3,318 |
| Loan and lease loss provision to assets | 0.1354% | 6,284 |
| Net operating income to assets | 1.0522% | 1,658 |
| Return on assets (ROA) | 1.0522% | 1,700 |
| Pretax return on assets | 1.0522% | 2,400 |
| Return on Equity (ROE) | 15.3040% | 628 |
| Retained earnings to average equity (ytd only) | 10.4034% | 333 |
| Net charge-offs to loans | 0.1616% | 5,661 |
| Credit loss provision to net charge-offs | 100.8333% | 5,472 |
| Earnings coverage of net charge-offs (x) | 8.8417% | 1,881 |
| Efficiency ratio | 73.0437% | 4,086 |
| Assets per employee ($millions) | 4.0596% | 3,694 |
| Cash dividends to net income (ytd only)* | 32.0213% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5246% | 7,651 |
| Loan loss allowance to noncurrent loans | 18,500.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 7,427 |
| Noncurrent loans to loans | 0.0028% | 7,447 |
| Net loans and leases to total assets | 82.2948% | 642 |
| Net loans and leases to deposits | 93.1713% | 1,716 |
| Net loans and leases to core deposits | 123.7005% | 1,660 |
| Total domestic deposits to total assets | 88.3264% | 1,810 |
| Equity capital to assets | 7.6127% | 6,935 |
| Core capital (leverage) ratio | 7.6113% | 6,673 |
| Tier 1 risk-based capital ratio | 10.3216% | 6,565 |
| Total risk-based capital ratio | 10.9100% | 7,096 |
| Memoranda: | ||
| Average total assets | $89,338,400 | 5,413 |
| Average earning assets | $83,293,200 | 5,351 |
| Average equity | $6,142,200 | 6,552 |
| Average total loans | $74,239,800 | 4,717 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4614% | 4,623 |
| Cost of funding earning assets | 1.6130% | 5,345 |
| Net interest margin | 3.8484% | 3,439 |
| Noninterest income to average assets | 0.7599% | 2,647 |
| Noninterest expense to average assets | 3.2182% | 3,238 |
| Loan and lease loss provision to assets | 0.1328% | 6,033 |
| Net operating income to assets | 1.0034% | 2,042 |
| Return on assets (ROA) | 1.0034% | 2,102 |
| Pretax return on assets | 1.0034% | 2,895 |
| Return on Equity (ROE) | 14.9728% | 774 |
| Retained earnings to average equity (ytd only) | 8.3452% | 1,028 |
| Net charge-offs to loans | 0.0781% | 5,899 |
| Credit loss provision to net charge-offs | 204.5455% | 2,175 |
| Earnings coverage of net charge-offs (x) | 17.4986% | 1,402 |
| Efficiency ratio | 73.9072% | 3,877 |
| Assets per employee ($millions) | 4.0831% | 3,588 |
| Cash dividends to net income (ytd only)* | 44.2645% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5687% | 7,622 |
| Loan loss allowance to noncurrent loans | 783.0189% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 7,041 |
| Noncurrent loans to loans | 0.0726% | 7,313 |
| Net loans and leases to total assets | 80.7755% | 1,024 |
| Net loans and leases to deposits | 97.6739% | 1,362 |
| Net loans and leases to core deposits | 133.4836% | 1,237 |
| Total domestic deposits to total assets | 82.6992% | 4,362 |
| Equity capital to assets | 6.9355% | 7,625 |
| Core capital (leverage) ratio | 6.7995% | 7,544 |
| Tier 1 risk-based capital ratio | 9.5241% | 7,356 |
| Total risk-based capital ratio | 10.1585% | 7,673 |
| Memoranda: | ||
| Average total assets | $90,360,000 | 5,418 |
| Average earning assets | $84,397,000 | 5,361 |
| Average equity | $6,055,250 | 6,643 |
| Average total loans | $75,167,750 | 4,730 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5060% | 4,593 |
| Cost of funding earning assets | 1.6648% | 5,448 |
| Net interest margin | 3.8412% | 3,365 |
| Noninterest income to average assets | 0.7533% | 2,683 |
| Noninterest expense to average assets | 3.1324% | 3,573 |
| Loan and lease loss provision to assets | 0.1325% | 5,767 |
| Net operating income to assets | 1.0714% | 1,868 |
| Return on assets (ROA) | 1.0714% | 1,947 |
| Pretax return on assets | 1.0714% | 2,733 |
| Return on Equity (ROE) | 16.1748% | 673 |
| Retained earnings to average equity (ytd only) | 9.5048% | 813 |
| Net charge-offs to loans | 0.1001% | 5,163 |
| Credit loss provision to net charge-offs | 157.8947% | 2,912 |
| Earnings coverage of net charge-offs (x) | 14.3421% | 1,662 |
| Efficiency ratio | 72.2364% | 4,363 |
| Assets per employee ($millions) | 4.2997% | 3,119 |
| Cash dividends to net income (ytd only)* | 41.2371% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5158% | 7,771 |
| Loan loss allowance to noncurrent loans | 737.7358% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.1938% | 7,042 |
| Noncurrent loans to loans | 0.0699% | 7,348 |
| Net loans and leases to total assets | 83.5170% | 702 |
| Net loans and leases to deposits | 103.3878% | 956 |
| Net loans and leases to core deposits | 142.4954% | 913 |
| Total domestic deposits to total assets | 80.7803% | 5,155 |
| Equity capital to assets | 6.7957% | 7,714 |
| Core capital (leverage) ratio | 6.7890% | 7,663 |
| Tier 1 risk-based capital ratio | 9.1316% | 7,623 |
| Total risk-based capital ratio | 9.7135% | 7,883 |
| Memoranda: | ||
| Average total assets | $90,537,330 | 5,443 |
| Average earning assets | $84,453,330 | 5,395 |
| Average equity | $5,997,000 | 6,718 |
| Average total loans | $75,899,000 | 4,738 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5052% | 4,885 |
| Cost of funding earning assets | 1.7307% | 5,469 |
| Net interest margin | 3.7744% | 3,567 |
| Noninterest income to average assets | 0.7059% | 2,852 |
| Noninterest expense to average assets | 3.0929% | 3,403 |
| Loan and lease loss provision to assets | 0.1324% | 5,268 |
| Net operating income to assets | 0.9927% | 2,341 |
| Return on assets (ROA) | 0.9927% | 2,477 |
| Pretax return on assets | 0.9927% | 3,374 |
| Return on Equity (ROE) | 15.1835% | 943 |
| Retained earnings to average equity (ytd only) | 8.4353% | 1,651 |
| Net charge-offs to loans | 0.0053% | 5,623 |
| Credit loss provision to net charge-offs | 3,000.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 255.0000% | 166 |
| Efficiency ratio | 73.3264% | 3,945 |
| Assets per employee ($millions) | 4.1477% | 3,365 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5163% | 7,802 |
| Loan loss allowance to noncurrent loans | 368.5185% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 6,767 |
| Noncurrent loans to loans | 0.1401% | 7,120 |
| Net loans and leases to total assets | 84.0460% | 683 |
| Net loans and leases to deposits | 105.5826% | 901 |
| Net loans and leases to core deposits | 146.7874% | 821 |
| Total domestic deposits to total assets | 79.6022% | 5,504 |
| Equity capital to assets | 6.5578% | 7,852 |
| Core capital (leverage) ratio | 6.6136% | 7,830 |
| Tier 1 risk-based capital ratio | 8.4579% | 7,948 |
| Total risk-based capital ratio | 9.0211% | 8,055 |
| Memoranda: | ||
| Average total assets | $90,659,500 | 5,463 |
| Average earning assets | $84,357,000 | 5,416 |
| Average equity | $5,927,500 | 6,799 |
| Average total loans | $75,948,000 | 4,766 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3746% | 3,550 |
| Cost of funding earning assets | 2.5693% | 3,854 |
| Net interest margin | 3.8053% | 3,995 |
| Noninterest income to average assets | 0.5267% | 4,412 |
| Noninterest expense to average assets | 2.6979% | 5,273 |
| Loan and lease loss provision to assets | 0.0891% | 6,268 |
| Net operating income to assets | 1.2638% | 1,587 |
| Return on assets (ROA) | 1.2638% | 1,535 |
| Pretax return on assets | 1.2638% | 2,427 |
| Return on Equity (ROE) | 19.3481% | 428 |
| Retained earnings to average equity (ytd only) | -4.7902% | 6,479 |
| Net charge-offs to loans | 0.3137% | 3,290 |
| Credit loss provision to net charge-offs | 34.1880% | 6,495 |
| Earnings coverage of net charge-offs (x) | 5.1923% | 3,726 |
| Efficiency ratio | 66.6025% | 5,003 |
| Assets per employee ($millions) | 4.2890% | 2,977 |
| Cash dividends to net income (ytd only)* | 124.7577% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4933% | 7,862 |
| Loan loss allowance to noncurrent loans | 226.3804% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 6,720 |
| Noncurrent loans to loans | 0.2179% | 6,739 |
| Net loans and leases to total assets | 82.6444% | 1,113 |
| Net loans and leases to deposits | 98.0634% | 2,119 |
| Net loans and leases to core deposits | 136.7724% | 1,450 |
| Total domestic deposits to total assets | 84.2765% | 3,191 |
| Equity capital to assets | 6.5183% | 7,933 |
| Core capital (leverage) ratio | 6.3763% | 7,973 |
| Tier 1 risk-based capital ratio | 8.4725% | 7,999 |
| Total risk-based capital ratio | 9.0068% | 8,139 |
| Memoranda: | ||
| Average total assets | $89,809,600 | 5,363 |
| Average earning assets | $83,174,200 | 5,323 |
| Average equity | $5,866,200 | 6,849 |
| Average total loans | $74,602,600 | 4,710 |