Home > State Bank of Wheaton > Performance and Condition Ratios
State Bank of Wheaton, Performance and Condition Ratios
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3626% | 3,440 |
| Cost of funding earning assets | 0.4118% | 1,997 |
| Net interest margin | 2.9508% | 3,568 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 1.5791% | 4,331 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.0596% | 2,339 |
| Return on assets (ROA) | 1.0596% | 2,282 |
| Pretax return on assets | 1.1196% | 2,709 |
| Return on Equity (ROE) | 8.6700% | 3,211 |
| Retained earnings to average equity (ytd only) | 7.3992% | 2,066 |
| 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 | 51.8133% | 3,993 |
| Assets per employee ($millions) | 13.5879% | 269 |
| Cash dividends to net income (ytd only)* | 14.6903% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2126% | 4,578 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 38.3800% | 4,131 |
| Net loans and leases to deposits | 43.1818% | 4,142 |
| Net loans and leases to core deposits | 43.5969% | 4,191 |
| Total domestic deposits to total assets | 88.8800% | 1,750 |
| Equity capital to assets | 11.0245% | 1,247 |
| Core capital (leverage) ratio | 9.7500% | 2,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $106,643,600 | 3,872 |
| Average earning assets | $96,652,800 | 3,868 |
| Average equity | $13,028,400 | 3,569 |
| Average total loans | $47,683,600 | 3,929 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1919% | 3,453 |
| Cost of funding earning assets | 0.2581% | 2,629 |
| Net interest margin | 2.9338% | 3,405 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 1.5315% | 4,384 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.0889% | 2,148 |
| Return on assets (ROA) | 1.0889% | 2,110 |
| Pretax return on assets | 1.1642% | 2,506 |
| Return on Equity (ROE) | 8.6600% | 3,124 |
| Retained earnings to average equity (ytd only) | 7.5672% | 2,160 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 49.9301% | 4,168 |
| Assets per employee ($millions) | 11.4987% | 446 |
| Cash dividends to net income (ytd only)* | 12.6341% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1476% | 4,626 |
| Loan loss allowance to noncurrent loans | 700.0000% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 3,890 |
| Noncurrent loans to loans | 0.0211% | 3,758 |
| Net loans and leases to total assets | 45.7600% | 3,778 |
| Net loans and leases to deposits | 51.3248% | 3,775 |
| Net loans and leases to core deposits | 52.3592% | 3,838 |
| Total domestic deposits to total assets | 89.1700% | 2,020 |
| Equity capital to assets | 10.7346% | 1,279 |
| Core capital (leverage) ratio | 9.3493% | 3,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $102,731,750 | 3,929 |
| Average earning assets | $92,482,250 | 3,934 |
| Average equity | $12,915,000 | 3,620 |
| Average total loans | $47,845,500 | 3,948 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8995% | 3,781 |
| Cost of funding earning assets | 0.1112% | 4,064 |
| Net interest margin | 2.7883% | 3,477 |
| Noninterest income to average assets | 0.0917% | 4,521 |
| Noninterest expense to average assets | 1.5418% | 4,366 |
| Loan and lease loss provision to assets | 0.1171% | 858 |
| Net operating income to assets | 0.8548% | 2,755 |
| Return on assets (ROA) | 0.8548% | 2,733 |
| Pretax return on assets | 0.9290% | 2,966 |
| Return on Equity (ROE) | 6.4807% | 3,453 |
| Retained earnings to average equity (ytd only) | 5.4154% | 2,549 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9970% | 3,966 |
| Assets per employee ($millions) | 11.1101% | 476 |
| Cash dividends to net income (ytd only)* | 16.4384% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1262% | 4,701 |
| Loan loss allowance to noncurrent loans | 545.4545% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 3,921 |
| Noncurrent loans to loans | 0.0231% | 3,788 |
| Net loans and leases to total assets | 47.5023% | 3,594 |
| Net loans and leases to deposits | 54.6670% | 3,497 |
| Net loans and leases to core deposits | 55.8366% | 3,580 |
| Total domestic deposits to total assets | 86.8938% | 2,977 |
| Equity capital to assets | 13.0292% | 660 |
| Core capital (leverage) ratio | 9.2767% | 3,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,479,667 | 3,967 |
| Average earning assets | $91,741,333 | 3,996 |
| Average equity | $13,517,000 | 3,632 |
| Average total loans | $47,983,667 | 3,993 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6567% | 4,019 |
| Cost of funding earning assets | 0.2265% | 2,450 |
| Net interest margin | 2.4302% | 4,017 |
| Noninterest income to average assets | 0.1311% | 4,356 |
| Noninterest expense to average assets | 1.2919% | 4,625 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9332% | 2,141 |
| Return on assets (ROA) | 0.9332% | 2,134 |
| Pretax return on assets | 0.9911% | 2,462 |
| Return on Equity (ROE) | 7.0341% | 3,029 |
| Retained earnings to average equity (ytd only) | 7.0341% | 1,885 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7432% | 3,902 |
| Assets per employee ($millions) | 11.9750% | 401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 44.1624% | 3,728 |
| Net loans and leases to deposits | 50.7252% | 3,670 |
| Net loans and leases to core deposits | 51.7286% | 3,753 |
| Total domestic deposits to total assets | 87.0619% | 2,902 |
| Equity capital to assets | 12.8778% | 719 |
| Core capital (leverage) ratio | 8.3523% | 4,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,724,000 | 3,975 |
| Average earning assets | $91,844,000 | 4,007 |
| Average equity | $13,761,500 | 3,679 |
| Average total loans | $48,196,500 | 4,003 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0384% | 4,834 |
| Cost of funding earning assets | 0.0035% | 4,813 |
| Net interest margin | 0.0349% | 4,832 |
| Noninterest income to average assets | 0.0041% | 4,800 |
| Noninterest expense to average assets | -0.0082% | 4,839 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.0429% | 4,664 |
| Return on assets (ROA) | 0.0521% | 4,667 |
| Pretax return on assets | 0.0521% | 4,669 |
| Return on Equity (ROE) | 0.2532% | 4,673 |
| Retained earnings to average equity (ytd only) | 0.2532% | 4,426 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -23.5294% | 4,837 |
| Assets per employee ($millions) | 9.9673% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,783 |
| 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 | 48.9571% | 3,411 |
| Net loans and leases to deposits | 56.7658% | 3,357 |
| Net loans and leases to core deposits | 60.7230% | 3,263 |
| Total domestic deposits to total assets | 86.2440% | 2,822 |
| Equity capital to assets | 13.6888% | 726 |
| Core capital (leverage) ratio | 13.1787% | 757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,795,600 | 4,018 |
| Average earning assets | $85,872,000 | 4,061 |
| Average equity | $20,138,400 | 3,204 |
| Average total loans | $57,875,200 | 3,852 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0844% | 1,339 |
| Cost of funding earning assets | 0.3155% | 2,450 |
| Net interest margin | 3.7689% | 1,183 |
| Noninterest income to average assets | 0.1617% | 4,390 |
| Noninterest expense to average assets | 1.5521% | 4,531 |
| Loan and lease loss provision to assets | -0.5476% | 4,888 |
| Net operating income to assets | 2.4618% | 224 |
| Return on assets (ROA) | 2.4618% | 228 |
| Pretax return on assets | 2.4631% | 359 |
| Return on Equity (ROE) | 11.0097% | 2,363 |
| Retained earnings to average equity (ytd only) | 0.7413% | 4,461 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7649% | 4,552 |
| Assets per employee ($millions) | 10.8342% | 503 |
| Cash dividends to net income (ytd only)* | 93.2666% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8362% | 4,294 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 60.8104% | 2,160 |
| Net loans and leases to deposits | 78.4108% | 1,447 |
| Net loans and leases to core deposits | 84.6745% | 1,373 |
| Total domestic deposits to total assets | 77.5536% | 4,459 |
| Equity capital to assets | 22.3356% | 128 |
| Core capital (leverage) ratio | 22.7900% | 122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.6644% | 170 |
| Memoranda: | ||
| Average total assets | $97,326,250 | 4,063 |
| Average earning assets | $85,364,000 | 4,117 |
| Average equity | $21,762,000 | 3,113 |
| Average total loans | $60,144,750 | 3,863 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3204% | 969 |
| Cost of funding earning assets | 0.3271% | 2,524 |
| Net interest margin | 3.9933% | 835 |
| Noninterest income to average assets | 0.2077% | 4,161 |
| Noninterest expense to average assets | 1.4291% | 4,697 |
| Loan and lease loss provision to assets | -0.8225% | 4,940 |
| Net operating income to assets | 3.1131% | 113 |
| Return on assets (ROA) | 3.1131% | 119 |
| Pretax return on assets | 3.1152% | 168 |
| Return on Equity (ROE) | 13.9178% | 1,435 |
| Retained earnings to average equity (ytd only) | 1.9397% | 4,126 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3978% | 4,793 |
| Assets per employee ($millions) | 10.7018% | 498 |
| Cash dividends to net income (ytd only)* | 86.0634% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8217% | 4,333 |
| 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 | 62.6552% | 2,102 |
| Net loans and leases to deposits | 81.1705% | 1,309 |
| Net loans and leases to core deposits | 87.7672% | 1,283 |
| Total domestic deposits to total assets | 77.1897% | 4,504 |
| Equity capital to assets | 22.7055% | 118 |
| Core capital (leverage) ratio | 22.8113% | 117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.7569% | 179 |
| Memoranda: | ||
| Average total assets | $97,265,667 | 4,092 |
| Average earning assets | $85,594,000 | 4,136 |
| Average equity | $21,756,333 | 3,111 |
| Average total loans | $60,261,333 | 3,895 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7778% | 503 |
| Cost of funding earning assets | 0.3466% | 2,553 |
| Net interest margin | 4.4312% | 404 |
| Noninterest income to average assets | -0.0573% | 4,955 |
| Noninterest expense to average assets | 1.3628% | 4,773 |
| Loan and lease loss provision to assets | -1.2277% | 4,967 |
| Net operating income to assets | 3.6750% | 95 |
| Return on assets (ROA) | 3.6750% | 101 |
| Pretax return on assets | 3.6791% | 125 |
| Return on Equity (ROE) | 16.5530% | 920 |
| Retained earnings to average equity (ytd only) | 1.4378% | 4,134 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.7296% | 4,853 |
| Assets per employee ($millions) | 10.6208% | 497 |
| Cash dividends to net income (ytd only)* | 91.3140% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0115% | 3,794 |
| Loan loss allowance to noncurrent loans | 625.0000% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.1004% | 3,683 |
| Noncurrent loans to loans | 0.1618% | 3,527 |
| Net loans and leases to total assets | 61.4278% | 2,346 |
| Net loans and leases to deposits | 79.5613% | 1,564 |
| Net loans and leases to core deposits | 87.3440% | 1,426 |
| Total domestic deposits to total assets | 77.2082% | 4,504 |
| Equity capital to assets | 22.7426% | 117 |
| Core capital (leverage) ratio | 22.7802% | 121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.6398% | 175 |
| Memoranda: | ||
| Average total assets | $97,740,500 | 4,098 |
| Average earning assets | $85,394,500 | 4,149 |
| Average equity | $21,700,000 | 3,104 |
| Average total loans | $59,968,500 | 3,918 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6165% | 1,070 |
| Cost of funding earning assets | 0.4354% | 3,374 |
| Net interest margin | 4.1811% | 664 |
| Noninterest income to average assets | 0.0919% | 4,763 |
| Noninterest expense to average assets | 1.5518% | 4,742 |
| Loan and lease loss provision to assets | -0.1171% | 4,962 |
| Net operating income to assets | 2.4710% | 140 |
| Return on assets (ROA) | 2.4710% | 145 |
| Pretax return on assets | 2.4721% | 198 |
| Return on Equity (ROE) | 10.7354% | 1,730 |
| Retained earnings to average equity (ytd only) | 4.9826% | 2,276 |
| Net charge-offs to loans | 0.0125% | 2,887 |
| Credit loss provision to net charge-offs | -1,337.5000% | 4,111 |
| Earnings coverage of net charge-offs (x) | 269.0000% | 371 |
| Efficiency ratio | 39.7199% | 4,875 |
| Assets per employee ($millions) | 11.0993% | 388 |
| Cash dividends to net income (ytd only)* | 53.5872% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4847% | 1,637 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 59.7834% | 2,890 |
| Net loans and leases to deposits | 76.4054% | 2,239 |
| Net loans and leases to core deposits | 83.3915% | 2,087 |
| Total domestic deposits to total assets | 78.2449% | 4,291 |
| Equity capital to assets | 21.6840% | 146 |
| Core capital (leverage) ratio | 23.3720% | 114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.6608% | 197 |
| Memoranda: | ||
| Average total assets | $91,379,200 | 4,105 |
| Average earning assets | $83,374,400 | 4,111 |
| Average equity | $21,033,200 | 3,093 |
| Average total loans | $64,138,800 | 3,844 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7733% | 923 |
| Cost of funding earning assets | 0.4531% | 3,508 |
| Net interest margin | 4.3202% | 560 |
| Noninterest income to average assets | 0.0911% | 4,785 |
| Noninterest expense to average assets | 1.7284% | 4,590 |
| Loan and lease loss provision to assets | -0.1714% | 5,007 |
| Net operating income to assets | 2.5351% | 136 |
| Return on assets (ROA) | 2.5351% | 143 |
| Pretax return on assets | 2.5366% | 195 |
| Return on Equity (ROE) | 10.8382% | 1,736 |
| Retained earnings to average equity (ytd only) | 3.1103% | 3,470 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2263% | 4,852 |
| Assets per employee ($millions) | 9.9851% | 504 |
| Cash dividends to net income (ytd only)* | 71.3023% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3651% | 1,897 |
| Loan loss allowance to noncurrent loans | 782.6087% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 3,785 |
| Noncurrent loans to loans | 0.1744% | 3,686 |
| Net loans and leases to total assets | 72.3644% | 1,611 |
| Net loans and leases to deposits | 94.9427% | 848 |
| Net loans and leases to core deposits | 104.8160% | 889 |
| Total domestic deposits to total assets | 76.2190% | 4,405 |
| Equity capital to assets | 23.4816% | 119 |
| Core capital (leverage) ratio | 23.7847% | 112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0112% | 244 |
| Memoranda: | ||
| Average total assets | $89,250,500 | 4,133 |
| Average earning assets | $82,679,500 | 4,118 |
| Average equity | $20,876,250 | 3,105 |
| Average total loans | $65,018,500 | 3,847 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7742% | 1,228 |
| Cost of funding earning assets | 0.4647% | 3,721 |
| Net interest margin | 4.3095% | 736 |
| Noninterest income to average assets | 0.0966% | 4,793 |
| Noninterest expense to average assets | 1.8934% | 4,424 |
| Loan and lease loss provision to assets | -0.2583% | 5,045 |
| Net operating income to assets | 2.4796% | 145 |
| Return on assets (ROA) | 2.4796% | 158 |
| Pretax return on assets | 2.4819% | 222 |
| Return on Equity (ROE) | 10.6149% | 1,767 |
| Retained earnings to average equity (ytd only) | 3.0383% | 3,371 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9902% | 4,725 |
| Assets per employee ($millions) | 9.8491% | 518 |
| Cash dividends to net income (ytd only)* | 71.3768% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 1,799 |
| Loan loss allowance to noncurrent loans | 212.7660% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.4772% | 2,411 |
| Noncurrent loans to loans | 0.6324% | 2,280 |
| Net loans and leases to total assets | 74.4455% | 1,349 |
| Net loans and leases to deposits | 97.7427% | 673 |
| Net loans and leases to core deposits | 108.0563% | 815 |
| Total domestic deposits to total assets | 76.1648% | 4,410 |
| Equity capital to assets | 23.6141% | 112 |
| Core capital (leverage) ratio | 23.5180% | 116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6704% | 247 |
| Memoranda: | ||
| Average total assets | $89,045,333 | 4,145 |
| Average earning assets | $83,071,333 | 4,124 |
| Average equity | $20,801,000 | 3,099 |
| Average total loans | $64,714,333 | 3,859 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6692% | 1,802 |
| Cost of funding earning assets | 0.4847% | 4,011 |
| Net interest margin | 4.1845% | 952 |
| Noninterest income to average assets | 0.1255% | 4,739 |
| Noninterest expense to average assets | 1.9048% | 4,539 |
| Loan and lease loss provision to assets | -0.5154% | 5,100 |
| Net operating income to assets | 2.6399% | 95 |
| Return on assets (ROA) | 2.6399% | 96 |
| Pretax return on assets | 2.6443% | 134 |
| Return on Equity (ROE) | 11.3622% | 1,300 |
| Retained earnings to average equity (ytd only) | 4.9384% | 2,298 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2222% | 4,790 |
| Assets per employee ($millions) | 10.0132% | 381 |
| Cash dividends to net income (ytd only)* | 56.5365% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 1,664 |
| Loan loss allowance to noncurrent loans | 145.3958% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.6869% | 1,945 |
| Noncurrent loans to loans | 0.9690% | 1,695 |
| Net loans and leases to total assets | 69.8832% | 2,269 |
| Net loans and leases to deposits | 91.1219% | 1,391 |
| Net loans and leases to core deposits | 100.4658% | 1,436 |
| Total domestic deposits to total assets | 76.6919% | 4,396 |
| Equity capital to assets | 23.1560% | 145 |
| Core capital (leverage) ratio | 24.4446% | 124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.8115% | 253 |
| Memoranda: | ||
| Average total assets | $89,247,000 | 4,128 |
| Average earning assets | $83,355,000 | 4,118 |
| Average equity | $20,735,500 | 3,098 |
| Average total loans | $63,626,500 | 3,890 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0434% | 1,360 |
| Cost of funding earning assets | 0.5262% | 3,985 |
| Net interest margin | 4.5172% | 697 |
| Noninterest income to average assets | 0.1419% | 4,765 |
| Noninterest expense to average assets | 1.6153% | 4,940 |
| Loan and lease loss provision to assets | 0.0012% | 3,960 |
| Net operating income to assets | 2.8324% | 92 |
| Return on assets (ROA) | 2.8324% | 95 |
| Pretax return on assets | 2.8336% | 119 |
| Return on Equity (ROE) | 11.9390% | 1,539 |
| Retained earnings to average equity (ytd only) | 5.4519% | 2,189 |
| Net charge-offs to loans | 0.2092% | 983 |
| Credit loss provision to net charge-offs | 0.7353% | 3,382 |
| Earnings coverage of net charge-offs (x) | 17.4853% | 2,108 |
| Efficiency ratio | 36.2979% | 5,105 |
| Assets per employee ($millions) | 9.8194% | 377 |
| Cash dividends to net income (ytd only)* | 54.3350% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 972 |
| Loan loss allowance to noncurrent loans | 216.4179% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.5307% | 2,299 |
| Noncurrent loans to loans | 0.7400% | 2,033 |
| Net loans and leases to total assets | 70.5629% | 2,308 |
| Net loans and leases to deposits | 92.1340% | 1,351 |
| Net loans and leases to core deposits | 101.4908% | 1,445 |
| Total domestic deposits to total assets | 76.5873% | 4,533 |
| Equity capital to assets | 23.3132% | 151 |
| Core capital (leverage) ratio | 24.3544% | 132 |
| Tier 1 risk-based capital ratio | 30.4539% | 459 |
| Total risk-based capital ratio | 31.7063% | 452 |
| Memoranda: | ||
| Average total assets | $83,885,200 | 4,229 |
| Average earning assets | $80,006,000 | 4,188 |
| Average equity | $19,901,200 | 3,142 |
| Average total loans | $64,996,000 | 3,886 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0643% | 1,374 |
| Cost of funding earning assets | 0.5327% | 4,007 |
| Net interest margin | 4.5317% | 713 |
| Noninterest income to average assets | 0.1095% | 4,956 |
| Noninterest expense to average assets | 1.7898% | 4,829 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.6630% | 130 |
| Return on assets (ROA) | 2.6630% | 135 |
| Pretax return on assets | 2.6646% | 179 |
| Return on Equity (ROE) | 11.1729% | 1,939 |
| Retained earnings to average equity (ytd only) | 2.4468% | 4,121 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1808% | 5,118 |
| Assets per employee ($millions) | 9.3570% | 427 |
| Cash dividends to net income (ytd only)* | 78.1006% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7366% | 760 |
| Loan loss allowance to noncurrent loans | 188.8342% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.7232% | 1,895 |
| Noncurrent loans to loans | 0.9196% | 1,740 |
| Net loans and leases to total assets | 77.2719% | 1,265 |
| Net loans and leases to deposits | 101.5908% | 524 |
| Net loans and leases to core deposits | 112.8466% | 805 |
| Total domestic deposits to total assets | 76.0619% | 4,649 |
| Equity capital to assets | 23.6044% | 147 |
| Core capital (leverage) ratio | 24.5125% | 127 |
| Tier 1 risk-based capital ratio | 28.4152% | 548 |
| Total risk-based capital ratio | 29.6691% | 536 |
| Memoranda: | ||
| Average total assets | $82,762,750 | 4,299 |
| Average earning assets | $79,350,250 | 4,249 |
| Average equity | $19,725,750 | 3,176 |
| Average total loans | $65,401,250 | 3,921 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0802% | 1,271 |
| Cost of funding earning assets | 0.5255% | 4,006 |
| Net interest margin | 4.5546% | 676 |
| Noninterest income to average assets | 0.1094% | 5,000 |
| Noninterest expense to average assets | 1.7672% | 4,905 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.7006% | 120 |
| Return on assets (ROA) | 2.7006% | 125 |
| Pretax return on assets | 2.7030% | 181 |
| Return on Equity (ROE) | 11.2935% | 1,874 |
| Retained earnings to average equity (ytd only) | 2.9174% | 3,757 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5324% | 5,175 |
| Assets per employee ($millions) | 7.9462% | 686 |
| Cash dividends to net income (ytd only)* | 74.1674% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7600% | 738 |
| Loan loss allowance to noncurrent loans | 188.8342% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.7664% | 1,815 |
| Noncurrent loans to loans | 0.9320% | 1,754 |
| Net loans and leases to total assets | 80.7808% | 761 |
| Net loans and leases to deposits | 107.9695% | 274 |
| Net loans and leases to core deposits | 120.9307% | 518 |
| Total domestic deposits to total assets | 74.8182% | 4,779 |
| Equity capital to assets | 24.9226% | 128 |
| Core capital (leverage) ratio | 24.7401% | 120 |
| Tier 1 risk-based capital ratio | 28.9588% | 521 |
| Total risk-based capital ratio | 30.2138% | 513 |
| Memoranda: | ||
| Average total assets | $82,279,330 | 4,341 |
| Average earning assets | $78,777,000 | 4,286 |
| Average equity | $19,675,000 | 3,177 |
| Average total loans | $65,127,330 | 3,948 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7998% | 1,899 |
| Cost of funding earning assets | 0.5031% | 4,045 |
| Net interest margin | 4.2967% | 1,097 |
| Noninterest income to average assets | 0.1195% | 5,016 |
| Noninterest expense to average assets | 1.7111% | 5,010 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.4854% | 166 |
| Return on assets (ROA) | 2.4854% | 176 |
| Pretax return on assets | 2.4902% | 253 |
| Return on Equity (ROE) | 10.6066% | 2,117 |
| Retained earnings to average equity (ytd only) | 4.2222% | 3,231 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7281% | 5,194 |
| Assets per employee ($millions) | 8.2014% | 626 |
| Cash dividends to net income (ytd only)* | 60.1923% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7609% | 762 |
| Loan loss allowance to noncurrent loans | 91.4877% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 1.5327% | 770 |
| Noncurrent loans to loans | 1.9247% | 783 |
| Net loans and leases to total assets | 78.2293% | 1,111 |
| Net loans and leases to deposits | 103.2225% | 433 |
| Net loans and leases to core deposits | 114.7089% | 699 |
| Total domestic deposits to total assets | 75.7871% | 4,789 |
| Equity capital to assets | 24.0410% | 128 |
| Core capital (leverage) ratio | 24.1491% | 127 |
| Tier 1 risk-based capital ratio | 29.0016% | 509 |
| Total risk-based capital ratio | 30.2562% | 502 |
| Memoranda: | ||
| Average total assets | $83,688,000 | 4,358 |
| Average earning assets | $79,503,000 | 4,311 |
| Average equity | $19,610,500 | 3,195 |
| Average total loans | $65,021,000 | 3,987 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9258% | 1,213 |
| Cost of funding earning assets | 0.3877% | 4,062 |
| Net interest margin | 4.5380% | 712 |
| Noninterest income to average assets | 0.1192% | 5,082 |
| Noninterest expense to average assets | 1.5001% | 5,226 |
| Loan and lease loss provision to assets | -0.0062% | 5,094 |
| Net operating income to assets | 2.9406% | 86 |
| Return on assets (ROA) | 2.9406% | 86 |
| Pretax return on assets | 2.9419% | 103 |
| Return on Equity (ROE) | 12.5782% | 1,518 |
| Retained earnings to average equity (ytd only) | 5.5933% | 2,421 |
| Net charge-offs to loans | -0.0075% | 4,427 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.8186% | 5,342 |
| Assets per employee ($millions) | 8.5362% | 545 |
| Cash dividends to net income (ytd only)* | 55.5321% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7765% | 712 |
| Loan loss allowance to noncurrent loans | 313.3515% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.4299% | 2,840 |
| Noncurrent loans to loans | 0.5669% | 2,570 |
| Net loans and leases to total assets | 74.4863% | 1,843 |
| Net loans and leases to deposits | 96.6469% | 1,011 |
| Net loans and leases to core deposits | 106.8101% | 1,206 |
| Total domestic deposits to total assets | 77.0706% | 4,618 |
| Equity capital to assets | 22.8486% | 151 |
| Core capital (leverage) ratio | 23.9537% | 129 |
| Tier 1 risk-based capital ratio | 28.3290% | 545 |
| Total risk-based capital ratio | 29.5834% | 539 |
| Memoranda: | ||
| Average total assets | $80,527,000 | 4,424 |
| Average earning assets | $76,596,800 | 4,369 |
| Average equity | $18,826,200 | 3,198 |
| Average total loans | $66,660,400 | 3,947 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9477% | 1,049 |
| Cost of funding earning assets | 0.3585% | 4,127 |
| Net interest margin | 4.5891% | 614 |
| Noninterest income to average assets | 0.1261% | 5,116 |
| Noninterest expense to average assets | 1.7028% | 5,130 |
| Loan and lease loss provision to assets | -0.0084% | 5,209 |
| Net operating income to assets | 2.8189% | 101 |
| Return on assets (ROA) | 2.8189% | 101 |
| Pretax return on assets | 2.8206% | 137 |
| Return on Equity (ROE) | 11.9846% | 1,797 |
| Retained earnings to average equity (ytd only) | 2.5870% | 4,374 |
| Net charge-offs to loans | -0.0099% | 4,392 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.7141% | 5,374 |
| Assets per employee ($millions) | 7.8900% | 678 |
| Cash dividends to net income (ytd only)* | 78.4140% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7128% | 843 |
| Loan loss allowance to noncurrent loans | 493.5622% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 3,507 |
| Noncurrent loans to loans | 0.3470% | 3,407 |
| Net loans and leases to total assets | 83.6401% | 495 |
| Net loans and leases to deposits | 110.2200% | 279 |
| Net loans and leases to core deposits | 122.0560% | 509 |
| Total domestic deposits to total assets | 75.8847% | 4,802 |
| Equity capital to assets | 23.8428% | 127 |
| Core capital (leverage) ratio | 23.7288% | 128 |
| Tier 1 risk-based capital ratio | 26.5537% | 645 |
| Total risk-based capital ratio | 27.8080% | 637 |
| Memoranda: | ||
| Average total assets | $79,318,250 | 4,485 |
| Average earning assets | $75,858,750 | 4,430 |
| Average equity | $18,656,750 | 3,239 |
| Average total loans | $67,142,250 | 3,967 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9131% | 987 |
| Cost of funding earning assets | 0.3132% | 4,322 |
| Net interest margin | 4.5999% | 547 |
| Noninterest income to average assets | 0.1309% | 5,154 |
| Noninterest expense to average assets | 1.8551% | 5,026 |
| Loan and lease loss provision to assets | -0.0126% | 5,311 |
| Net operating income to assets | 2.6857% | 111 |
| Return on assets (ROA) | 2.6857% | 111 |
| Pretax return on assets | 2.6882% | 160 |
| Return on Equity (ROE) | 11.4700% | 1,919 |
| Retained earnings to average equity (ytd only) | 2.8487% | 4,115 |
| Net charge-offs to loans | -0.0149% | 4,458 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9444% | 5,377 |
| Assets per employee ($millions) | 7.7439% | 696 |
| Cash dividends to net income (ytd only)* | 75.1640% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7337% | 850 |
| Loan loss allowance to noncurrent loans | 444.0154% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.3345% | 3,417 |
| Noncurrent loans to loans | 0.3905% | 3,299 |
| Net loans and leases to total assets | 84.1733% | 444 |
| Net loans and leases to deposits | 111.2756% | 249 |
| Net loans and leases to core deposits | 122.7251% | 495 |
| Total domestic deposits to total assets | 75.6441% | 4,888 |
| Equity capital to assets | 24.1700% | 123 |
| Core capital (leverage) ratio | 23.9507% | 126 |
| Tier 1 risk-based capital ratio | 27.0073% | 607 |
| Total risk-based capital ratio | 28.2623% | 599 |
| Memoranda: | ||
| Average total assets | $79,457,670 | 4,524 |
| Average earning assets | $76,001,000 | 4,470 |
| Average equity | $18,605,000 | 3,264 |
| Average total loans | $67,142,330 | 3,997 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8898% | 890 |
| Cost of funding earning assets | 0.2876% | 4,436 |
| Net interest margin | 4.6022% | 498 |
| Noninterest income to average assets | 0.1491% | 5,121 |
| Noninterest expense to average assets | 2.0331% | 4,786 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.4855% | 146 |
| Return on assets (ROA) | 2.4855% | 149 |
| Pretax return on assets | 2.4905% | 218 |
| Return on Equity (ROE) | 10.7823% | 2,054 |
| Retained earnings to average equity (ytd only) | 3.9679% | 3,602 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9451% | 5,319 |
| Assets per employee ($millions) | 7.9020% | 644 |
| Cash dividends to net income (ytd only)* | 63.2000% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6803% | 992 |
| Loan loss allowance to noncurrent loans | 140.5868% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 1.0352% | 1,519 |
| Noncurrent loans to loans | 1.1952% | 1,525 |
| Net loans and leases to total assets | 85.1557% | 329 |
| Net loans and leases to deposits | 111.7793% | 214 |
| Net loans and leases to core deposits | 122.9153% | 502 |
| Total domestic deposits to total assets | 76.1820% | 4,945 |
| Equity capital to assets | 23.5839% | 130 |
| Core capital (leverage) ratio | 23.6868% | 128 |
| Tier 1 risk-based capital ratio | 25.9641% | 690 |
| Total risk-based capital ratio | 27.2176% | 672 |
| Memoranda: | ||
| Average total assets | $80,467,000 | 4,558 |
| Average earning assets | $76,485,500 | 4,519 |
| Average equity | $18,549,000 | 3,300 |
| Average total loans | $67,547,000 | 4,022 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7274% | 1,127 |
| Cost of funding earning assets | 0.2873% | 4,254 |
| Net interest margin | 4.4401% | 700 |
| Noninterest income to average assets | 0.1147% | 5,355 |
| Noninterest expense to average assets | 1.5316% | 5,455 |
| Loan and lease loss provision to assets | 0.0038% | 4,172 |
| Net operating income to assets | 2.7859% | 88 |
| Return on assets (ROA) | 2.7859% | 87 |
| Pretax return on assets | 2.7872% | 116 |
| Return on Equity (ROE) | 12.4068% | 1,102 |
| Retained earnings to average equity (ytd only) | 5.8048% | 1,653 |
| Net charge-offs to loans | 0.5301% | 439 |
| Credit loss provision to net charge-offs | 0.8499% | 3,705 |
| Earnings coverage of net charge-offs (x) | 6.2720% | 3,203 |
| Efficiency ratio | 35.4331% | 5,589 |
| Assets per employee ($millions) | 8.1914% | 599 |
| Cash dividends to net income (ytd only)* | 53.2127% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7253% | 898 |
| Loan loss allowance to noncurrent loans | 1,554.0541% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0903% | 4,673 |
| Noncurrent loans to loans | 0.1110% | 4,486 |
| Net loans and leases to total assets | 79.9668% | 958 |
| Net loans and leases to deposits | 103.4704% | 518 |
| Net loans and leases to core deposits | 112.5885% | 865 |
| Total domestic deposits to total assets | 77.2847% | 4,827 |
| Equity capital to assets | 22.5383% | 137 |
| Core capital (leverage) ratio | 22.8421% | 125 |
| Tier 1 risk-based capital ratio | 26.1972% | 646 |
| Total risk-based capital ratio | 27.4518% | 639 |
| Memoranda: | ||
| Average total assets | $79,327,400 | 4,608 |
| Average earning assets | $75,179,000 | 4,557 |
| Average equity | $17,812,800 | 3,391 |
| Average total loans | $66,590,400 | 4,038 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6618% | 1,223 |
| Cost of funding earning assets | 0.2868% | 4,252 |
| Net interest margin | 4.3750% | 769 |
| Noninterest income to average assets | 0.1203% | 5,396 |
| Noninterest expense to average assets | 1.6336% | 5,421 |
| Loan and lease loss provision to assets | 0.0085% | 3,961 |
| Net operating income to assets | 2.6384% | 113 |
| Return on assets (ROA) | 2.6384% | 112 |
| Pretax return on assets | 2.6401% | 171 |
| Return on Equity (ROE) | 11.7614% | 1,408 |
| Retained earnings to average equity (ytd only) | 2.8780% | 4,191 |
| Net charge-offs to loans | 0.7110% | 268 |
| Credit loss provision to net charge-offs | 1.4085% | 3,265 |
| Earnings coverage of net charge-offs (x) | 4.4028% | 3,232 |
| Efficiency ratio | 38.1480% | 5,617 |
| Assets per employee ($millions) | 7.8831% | 658 |
| Cash dividends to net income (ytd only)* | 75.5298% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6747% | 1,081 |
| Loan loss allowance to noncurrent loans | 19,166.6667% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 5,232 |
| Noncurrent loans to loans | 0.0087% | 5,107 |
| Net loans and leases to total assets | 85.6529% | 279 |
| Net loans and leases to deposits | 111.1951% | 245 |
| Net loans and leases to core deposits | 121.3315% | 544 |
| Total domestic deposits to total assets | 77.0293% | 4,887 |
| Equity capital to assets | 22.6066% | 137 |
| Core capital (leverage) ratio | 23.0438% | 123 |
| Tier 1 risk-based capital ratio | 24.8545% | 771 |
| Total risk-based capital ratio | 26.1094% | 755 |
| Memoranda: | ||
| Average total assets | $78,680,750 | 4,660 |
| Average earning assets | $74,847,000 | 4,612 |
| Average equity | $17,650,500 | 3,443 |
| Average total loans | $66,574,500 | 4,069 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5695% | 1,332 |
| Cost of funding earning assets | 0.2833% | 4,250 |
| Net interest margin | 4.2862% | 893 |
| Noninterest income to average assets | 0.1297% | 5,403 |
| Noninterest expense to average assets | 1.6864% | 5,429 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.5206% | 126 |
| Return on assets (ROA) | 2.5206% | 125 |
| Pretax return on assets | 2.5232% | 206 |
| Return on Equity (ROE) | 11.2654% | 1,545 |
| Retained earnings to average equity (ytd only) | 3.0579% | 3,891 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0604% | 5,628 |
| Assets per employee ($millions) | 7.6152% | 705 |
| Cash dividends to net income (ytd only)* | 72.8557% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2391% | 405 |
| Loan loss allowance to noncurrent loans | 210.9705% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.9337% | 1,883 |
| Noncurrent loans to loans | 1.0613% | 1,850 |
| Net loans and leases to total assets | 86.0004% | 268 |
| Net loans and leases to deposits | 112.5836% | 216 |
| Net loans and leases to core deposits | 123.3306% | 454 |
| Total domestic deposits to total assets | 76.3880% | 5,044 |
| Equity capital to assets | 23.2587% | 125 |
| Core capital (leverage) ratio | 22.7148% | 127 |
| Tier 1 risk-based capital ratio | 25.7476% | 691 |
| Total risk-based capital ratio | 27.0093% | 676 |
| Memoranda: | ||
| Average total assets | $78,630,670 | 4,690 |
| Average earning assets | $74,844,000 | 4,637 |
| Average equity | $17,593,670 | 3,455 |
| Average total loans | $65,875,670 | 4,109 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4867% | 1,405 |
| Cost of funding earning assets | 0.2751% | 4,301 |
| Net interest margin | 4.2116% | 966 |
| Noninterest income to average assets | 0.1603% | 5,313 |
| Noninterest expense to average assets | 1.8079% | 5,365 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.3338% | 186 |
| Return on assets (ROA) | 2.3338% | 187 |
| Pretax return on assets | 2.3388% | 281 |
| Return on Equity (ROE) | 10.6305% | 1,689 |
| Retained earnings to average equity (ytd only) | 4.2431% | 3,321 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5990% | 5,606 |
| Assets per employee ($millions) | 8.0275% | 612 |
| Cash dividends to net income (ytd only)* | 60.0858% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3184% | 404 |
| Loan loss allowance to noncurrent loans | 213.0682% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.8770% | 2,107 |
| Noncurrent loans to loans | 1.0881% | 1,885 |
| Net loans and leases to total assets | 78.7306% | 1,021 |
| Net loans and leases to deposits | 101.0133% | 549 |
| Net loans and leases to core deposits | 109.8995% | 883 |
| Total domestic deposits to total assets | 77.9408% | 4,973 |
| Equity capital to assets | 21.9583% | 146 |
| Core capital (leverage) ratio | 22.3234% | 131 |
| Tier 1 risk-based capital ratio | 26.1789% | 675 |
| Total risk-based capital ratio | 27.4410% | 664 |
| Memoranda: | ||
| Average total assets | $79,870,000 | 4,714 |
| Average earning assets | $75,601,000 | 4,663 |
| Average equity | $17,534,500 | 3,480 |
| Average total loans | $65,318,000 | 4,148 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6916% | 1,074 |
| Cost of funding earning assets | 0.2955% | 4,117 |
| Net interest margin | 4.3961% | 782 |
| Noninterest income to average assets | 0.1381% | 5,498 |
| Noninterest expense to average assets | 1.4703% | 5,731 |
| Loan and lease loss provision to assets | -0.0113% | 5,496 |
| Net operating income to assets | 2.8426% | 91 |
| Return on assets (ROA) | 2.8464% | 96 |
| Pretax return on assets | 2.8477% | 130 |
| Return on Equity (ROE) | 13.4636% | 887 |
| Retained earnings to average equity (ytd only) | 6.1824% | 1,615 |
| Net charge-offs to loans | -0.0134% | 5,018 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.1698% | 5,849 |
| Assets per employee ($millions) | 7.9465% | 624 |
| Cash dividends to net income (ytd only)* | 54.0803% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2750% | 417 |
| Loan loss allowance to noncurrent loans | 245.4992% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.7689% | 2,431 |
| Noncurrent loans to loans | 0.9267% | 2,239 |
| Net loans and leases to total assets | 81.0860% | 730 |
| Net loans and leases to deposits | 103.9475% | 432 |
| Net loans and leases to core deposits | 113.1630% | 730 |
| Total domestic deposits to total assets | 78.0067% | 4,978 |
| Equity capital to assets | 21.9493% | 149 |
| Core capital (leverage) ratio | 22.2825% | 133 |
| Tier 1 risk-based capital ratio | 25.4584% | 728 |
| Total risk-based capital ratio | 26.7194% | 716 |
| Memoranda: | ||
| Average total assets | $79,644,600 | 4,737 |
| Average earning assets | $75,453,800 | 4,690 |
| Average equity | $16,838,000 | 3,572 |
| Average total loans | $67,033,000 | 4,115 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6644% | 1,152 |
| Cost of funding earning assets | 0.2968% | 4,141 |
| Net interest margin | 4.3676% | 823 |
| Noninterest income to average assets | 0.1422% | 5,548 |
| Noninterest expense to average assets | 1.5861% | 5,698 |
| Loan and lease loss provision to assets | -0.0151% | 5,659 |
| Net operating income to assets | 2.7305% | 116 |
| Return on assets (ROA) | 2.7356% | 118 |
| Pretax return on assets | 2.7372% | 153 |
| Return on Equity (ROE) | 13.0638% | 1,038 |
| Retained earnings to average equity (ytd only) | 3.2679% | 3,945 |
| Net charge-offs to loans | -0.0178% | 4,972 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.8585% | 5,880 |
| Assets per employee ($millions) | 7.6170% | 692 |
| Cash dividends to net income (ytd only)* | 74.9847% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2091% | 508 |
| Loan loss allowance to noncurrent loans | 197.1091% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.9991% | 2,070 |
| Noncurrent loans to loans | 1.1207% | 2,007 |
| Net loans and leases to total assets | 87.1761% | 181 |
| Net loans and leases to deposits | 113.4398% | 194 |
| Net loans and leases to core deposits | 123.8173% | 420 |
| Total domestic deposits to total assets | 76.8478% | 5,115 |
| Equity capital to assets | 22.0966% | 162 |
| Core capital (leverage) ratio | 21.5417% | 150 |
| Tier 1 risk-based capital ratio | 24.1921% | 887 |
| Total risk-based capital ratio | 25.4527% | 869 |
| Memoranda: | ||
| Average total assets | $79,689,500 | 4,778 |
| Average earning assets | $75,920,750 | 4,720 |
| Average equity | $16,687,000 | 3,625 |
| Average total loans | $67,307,500 | 4,143 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5938% | 1,279 |
| Cost of funding earning assets | 0.2997% | 4,134 |
| Net interest margin | 4.2941% | 935 |
| Noninterest income to average assets | 0.1459% | 5,579 |
| Noninterest expense to average assets | 1.5829% | 5,771 |
| Loan and lease loss provision to assets | -0.0223% | 5,791 |
| Net operating income to assets | 2.6588% | 119 |
| Return on assets (ROA) | 2.6662% | 119 |
| Pretax return on assets | 2.6687% | 174 |
| Return on Equity (ROE) | 12.9575% | 1,042 |
| Retained earnings to average equity (ytd only) | 3.5819% | 3,612 |
| Net charge-offs to loans | -0.0268% | 5,075 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.4927% | 5,951 |
| Assets per employee ($millions) | 7.8941% | 594 |
| Cash dividends to net income (ytd only)* | 72.3562% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2344% | 518 |
| Loan loss allowance to noncurrent loans | 196.0784% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.9691% | 2,209 |
| Noncurrent loans to loans | 1.1395% | 2,021 |
| Net loans and leases to total assets | 83.1418% | 498 |
| Net loans and leases to deposits | 106.0341% | 364 |
| Net loans and leases to core deposits | 115.1557% | 672 |
| Total domestic deposits to total assets | 78.4105% | 4,914 |
| Equity capital to assets | 21.2019% | 176 |
| Core capital (leverage) ratio | 20.4878% | 179 |
| Tier 1 risk-based capital ratio | 24.0784% | 898 |
| Total risk-based capital ratio | 25.3399% | 879 |
| Memoranda: | ||
| Average total assets | $80,862,670 | 4,794 |
| Average earning assets | $76,756,000 | 4,737 |
| Average equity | $16,639,000 | 3,637 |
| Average total loans | $67,109,330 | 4,170 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5580% | 1,365 |
| Cost of funding earning assets | 0.3035% | 4,122 |
| Net interest margin | 4.2545% | 989 |
| Noninterest income to average assets | 0.1760% | 5,440 |
| Noninterest expense to average assets | 1.5252% | 5,890 |
| Loan and lease loss provision to assets | -0.0440% | 5,939 |
| Net operating income to assets | 2.7376% | 115 |
| Return on assets (ROA) | 2.7376% | 115 |
| Pretax return on assets | 2.7376% | 162 |
| Return on Equity (ROE) | 13.5021% | 932 |
| Retained earnings to average equity (ytd only) | 7.1851% | 1,798 |
| Net charge-offs to loans | -0.0537% | 5,363 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.1530% | 6,024 |
| Assets per employee ($millions) | 8.4190% | 487 |
| Cash dividends to net income (ytd only)* | 46.7857% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1958% | 594 |
| Loan loss allowance to noncurrent loans | 424.9292% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.4193% | 3,915 |
| Noncurrent loans to loans | 0.5167% | 3,638 |
| Net loans and leases to total assets | 79.3586% | 900 |
| Net loans and leases to deposits | 101.4055% | 536 |
| Net loans and leases to core deposits | 112.1251% | 744 |
| Total domestic deposits to total assets | 78.2587% | 5,101 |
| Equity capital to assets | 19.8860% | 218 |
| Core capital (leverage) ratio | 20.3293% | 185 |
| Tier 1 risk-based capital ratio | 23.4897% | 963 |
| Total risk-based capital ratio | 24.7500% | 955 |
| Memoranda: | ||
| Average total assets | $81,823,500 | 4,822 |
| Average earning assets | $77,753,500 | 4,752 |
| Average equity | $16,590,000 | 3,647 |
| Average total loans | $67,097,500 | 4,188 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6054% | 1,318 |
| Cost of funding earning assets | 0.3202% | 4,028 |
| Net interest margin | 4.2852% | 991 |
| Noninterest income to average assets | 0.1685% | 5,571 |
| Noninterest expense to average assets | 1.5480% | 5,953 |
| Loan and lease loss provision to assets | -0.5860% | 6,139 |
| Net operating income to assets | 3.2828% | 76 |
| Return on assets (ROA) | 3.2828% | 76 |
| Pretax return on assets | 3.2840% | 99 |
| Return on Equity (ROE) | 15.9183% | 562 |
| Retained earnings to average equity (ytd only) | 6.4755% | 1,556 |
| Net charge-offs to loans | -0.6998% | 6,114 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.4580% | 6,106 |
| Assets per employee ($millions) | 7.9457% | 568 |
| Cash dividends to net income (ytd only)* | 59.3207% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2768% | 536 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 81.0287% | 707 |
| Net loans and leases to deposits | 104.6997% | 409 |
| Net loans and leases to core deposits | 116.7861% | 581 |
| Total domestic deposits to total assets | 77.3915% | 5,257 |
| Equity capital to assets | 20.6879% | 193 |
| Core capital (leverage) ratio | 20.6460% | 171 |
| Tier 1 risk-based capital ratio | 24.0859% | 919 |
| Total risk-based capital ratio | 25.3473% | 897 |
| Memoranda: | ||
| Average total assets | $77,130,400 | 4,926 |
| Average earning assets | $73,392,600 | 4,871 |
| Average equity | $15,906,200 | 3,689 |
| Average total loans | $64,594,200 | 4,241 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5696% | 1,413 |
| Cost of funding earning assets | 0.3195% | 4,113 |
| Net interest margin | 4.2501% | 1,054 |
| Noninterest income to average assets | 0.1690% | 5,634 |
| Noninterest expense to average assets | 1.6634% | 5,930 |
| Loan and lease loss provision to assets | -0.7629% | 6,248 |
| Net operating income to assets | 3.3215% | 77 |
| Return on assets (ROA) | 3.3215% | 76 |
| Pretax return on assets | 3.3233% | 101 |
| Return on Equity (ROE) | 16.1197% | 572 |
| Retained earnings to average equity (ytd only) | 3.4235% | 4,037 |
| Net charge-offs to loans | -0.9086% | 6,202 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3814% | 6,142 |
| Assets per employee ($millions) | 7.8295% | 584 |
| Cash dividends to net income (ytd only)* | 78.7627% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2511% | 614 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 5,777 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 83.1905% | 454 |
| Net loans and leases to deposits | 107.1794% | 329 |
| Net loans and leases to core deposits | 119.7801% | 475 |
| Total domestic deposits to total assets | 77.6180% | 5,247 |
| Equity capital to assets | 20.2184% | 225 |
| Core capital (leverage) ratio | 20.3418% | 193 |
| Tier 1 risk-based capital ratio | 22.9910% | 1,055 |
| Total risk-based capital ratio | 24.2530% | 1,036 |
| Memoranda: | ||
| Average total assets | $76,548,750 | 4,993 |
| Average earning assets | $73,032,000 | 4,933 |
| Average equity | $15,773,250 | 3,749 |
| Average total loans | $64,272,000 | 4,297 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5058% | 1,515 |
| Cost of funding earning assets | 0.3195% | 4,162 |
| Net interest margin | 4.1863% | 1,129 |
| Noninterest income to average assets | 0.1659% | 5,706 |
| Noninterest expense to average assets | 1.7034% | 5,967 |
| Loan and lease loss provision to assets | -1.1531% | 6,329 |
| Net operating income to assets | 3.6147% | 69 |
| Return on assets (ROA) | 3.6147% | 70 |
| Pretax return on assets | 3.6174% | 92 |
| Return on Equity (ROE) | 17.4301% | 454 |
| Retained earnings to average equity (ytd only) | 4.9891% | 2,873 |
| Net charge-offs to loans | -1.3799% | 6,283 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8718% | 6,186 |
| Assets per employee ($millions) | 7.6915% | 611 |
| Cash dividends to net income (ytd only)* | 71.3765% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2357% | 699 |
| Loan loss allowance to noncurrent loans | 1,388.8889% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.1508% | 5,267 |
| Noncurrent loans to loans | 0.1610% | 5,117 |
| Net loans and leases to total assets | 85.2799% | 278 |
| Net loans and leases to deposits | 115.3446% | 155 |
| Net loans and leases to core deposits | 130.5905% | 264 |
| Total domestic deposits to total assets | 73.9349% | 5,805 |
| Equity capital to assets | 20.5604% | 201 |
| Core capital (leverage) ratio | 20.7556% | 176 |
| Tier 1 risk-based capital ratio | 23.2173% | 1,049 |
| Total risk-based capital ratio | 24.4795% | 1,031 |
| Memoranda: | ||
| Average total assets | $75,966,670 | 5,054 |
| Average earning assets | $72,618,000 | 4,988 |
| Average equity | $15,754,330 | 3,763 |
| Average total loans | $63,484,670 | 4,353 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3015% | 2,100 |
| Cost of funding earning assets | 0.3132% | 4,296 |
| Net interest margin | 3.9883% | 1,596 |
| Noninterest income to average assets | 0.1802% | 5,637 |
| Noninterest expense to average assets | 1.6320% | 6,081 |
| Loan and lease loss provision to assets | -2.2678% | 6,414 |
| Net operating income to assets | 4.5885% | 50 |
| Return on assets (ROA) | 4.5885% | 52 |
| Pretax return on assets | 4.5938% | 67 |
| Return on Equity (ROE) | 22.0293% | 184 |
| Retained earnings to average equity (ytd only) | 14.4997% | 323 |
| Net charge-offs to loans | -2.7756% | 6,366 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2316% | 6,244 |
| Assets per employee ($millions) | 7.5262% | 665 |
| Cash dividends to net income (ytd only)* | 34.1801% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4106% | 601 |
| Loan loss allowance to noncurrent loans | 1,327.4336% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 5,313 |
| Noncurrent loans to loans | 0.1816% | 5,128 |
| Net loans and leases to total assets | 80.6835% | 610 |
| Net loans and leases to deposits | 102.9657% | 415 |
| Net loans and leases to core deposits | 116.7298% | 499 |
| Total domestic deposits to total assets | 78.3596% | 5,378 |
| Equity capital to assets | 21.2737% | 176 |
| Core capital (leverage) ratio | 21.2900% | 158 |
| Tier 1 risk-based capital ratio | 25.1644% | 873 |
| Total risk-based capital ratio | 26.4287% | 849 |
| Memoranda: | ||
| Average total assets | $75,492,500 | 5,120 |
| Average earning assets | $71,509,500 | 5,058 |
| Average equity | $15,724,500 | 3,795 |
| Average total loans | $61,680,500 | 4,445 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9461% | 3,941 |
| Cost of funding earning assets | 0.3371% | 4,400 |
| Net interest margin | 3.6091% | 3,382 |
| Noninterest income to average assets | 0.1618% | 5,891 |
| Noninterest expense to average assets | 1.7304% | 6,133 |
| Loan and lease loss provision to assets | -0.3398% | 6,394 |
| Net operating income to assets | 2.2048% | 225 |
| Return on assets (ROA) | 2.2048% | 223 |
| Pretax return on assets | 2.2062% | 311 |
| Return on Equity (ROE) | 10.8956% | 1,752 |
| Retained earnings to average equity (ytd only) | 5.2597% | 2,426 |
| Net charge-offs to loans | -0.4483% | 6,382 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1104% | 6,181 |
| Assets per employee ($millions) | 7.5723% | 635 |
| Cash dividends to net income (ytd only)* | 51.7263% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4535% | 592 |
| Loan loss allowance to noncurrent loans | 1,293.1034% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.2113% | 5,175 |
| Noncurrent loans to loans | 0.1897% | 5,150 |
| Net loans and leases to total assets | 78.7568% | 908 |
| Net loans and leases to deposits | 99.2626% | 666 |
| Net loans and leases to core deposits | 109.9766% | 774 |
| Total domestic deposits to total assets | 79.3418% | 5,178 |
| Equity capital to assets | 20.3875% | 213 |
| Core capital (leverage) ratio | 20.5027% | 193 |
| Tier 1 risk-based capital ratio | 24.5475% | 886 |
| Total risk-based capital ratio | 25.8122% | 868 |
| Memoranda: | ||
| Average total assets | $73,565,800 | 5,197 |
| Average earning assets | $70,018,200 | 5,123 |
| Average equity | $14,886,800 | 3,857 |
| Average total loans | $55,764,400 | 4,620 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8661% | 4,297 |
| Cost of funding earning assets | 0.3434% | 4,417 |
| Net interest margin | 3.5227% | 3,747 |
| Noninterest income to average assets | 0.1607% | 5,952 |
| Noninterest expense to average assets | 1.8203% | 6,063 |
| Loan and lease loss provision to assets | -0.0365% | 6,140 |
| Net operating income to assets | 1.7272% | 585 |
| Return on assets (ROA) | 1.7272% | 606 |
| Pretax return on assets | 1.7290% | 1,018 |
| Return on Equity (ROE) | 8.5518% | 2,929 |
| Retained earnings to average equity (ytd only) | 0.9673% | 5,496 |
| Net charge-offs to loans | -0.0490% | 5,896 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8191% | 6,000 |
| Assets per employee ($millions) | 7.3172% | 694 |
| Cash dividends to net income (ytd only)* | 88.6894% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6206% | 551 |
| Loan loss allowance to noncurrent loans | 955.4140% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.2761% | 5,160 |
| Noncurrent loans to loans | 0.2743% | 5,088 |
| Net loans and leases to total assets | 76.1753% | 1,199 |
| Net loans and leases to deposits | 98.9895% | 669 |
| Net loans and leases to core deposits | 106.6408% | 920 |
| Total domestic deposits to total assets | 76.9529% | 5,684 |
| Equity capital to assets | 20.2003% | 222 |
| Core capital (leverage) ratio | 20.2266% | 203 |
| Tier 1 risk-based capital ratio | 24.9012% | 891 |
| Total risk-based capital ratio | 26.1669% | 876 |
| Memoranda: | ||
| Average total assets | $73,026,500 | 5,269 |
| Average earning assets | $69,491,000 | 5,189 |
| Average equity | $14,749,000 | 3,901 |
| Average total loans | $54,421,250 | 4,713 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8162% | 4,463 |
| Cost of funding earning assets | 0.3448% | 4,484 |
| Net interest margin | 3.4713% | 3,889 |
| Noninterest income to average assets | 0.1617% | 5,984 |
| Noninterest expense to average assets | 1.8115% | 6,127 |
| Loan and lease loss provision to assets | -0.0548% | 6,303 |
| Net operating income to assets | 1.6854% | 590 |
| Return on assets (ROA) | 1.6854% | 628 |
| Pretax return on assets | 1.6882% | 1,046 |
| Return on Equity (ROE) | 8.3456% | 2,916 |
| Retained earnings to average equity (ytd only) | 1.5334% | 5,129 |
| Net charge-offs to loans | -0.0748% | 6,048 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5855% | 6,023 |
| Assets per employee ($millions) | 7.2186% | 721 |
| Cash dividends to net income (ytd only)* | 81.6260% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7586% | 492 |
| Loan loss allowance to noncurrent loans | 2,777.7778% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 5,727 |
| Noncurrent loans to loans | 0.0993% | 5,724 |
| Net loans and leases to total assets | 73.2483% | 1,540 |
| Net loans and leases to deposits | 92.6851% | 1,081 |
| Net loans and leases to core deposits | 99.7434% | 1,304 |
| Total domestic deposits to total assets | 79.0292% | 5,447 |
| Equity capital to assets | 20.4915% | 199 |
| Core capital (leverage) ratio | 19.9405% | 201 |
| Tier 1 risk-based capital ratio | 26.0883% | 764 |
| Total risk-based capital ratio | 27.3553% | 750 |
| Memoranda: | ||
| Average total assets | $72,978,000 | 5,310 |
| Average earning assets | $69,022,330 | 5,240 |
| Average equity | $14,738,330 | 3,904 |
| Average total loans | $53,482,000 | 4,768 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7890% | 4,531 |
| Cost of funding earning assets | 0.3429% | 4,612 |
| Net interest margin | 3.4462% | 3,916 |
| Noninterest income to average assets | 0.1799% | 5,888 |
| Noninterest expense to average assets | 1.9353% | 5,998 |
| Loan and lease loss provision to assets | -0.1036% | 6,496 |
| Net operating income to assets | 1.5755% | 693 |
| Return on assets (ROA) | 1.5755% | 722 |
| Pretax return on assets | 1.5809% | 1,212 |
| Return on Equity (ROE) | 7.8578% | 3,008 |
| Retained earnings to average equity (ytd only) | 2.2295% | 4,715 |
| Net charge-offs to loans | -0.1433% | 6,266 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7093% | 5,780 |
| Assets per employee ($millions) | 6.1690% | 1,193 |
| Cash dividends to net income (ytd only)* | 71.6263% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8959% | 488 |
| Loan loss allowance to noncurrent loans | 5,172.4138% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.7646% | 3,828 |
| Noncurrent loans to loans | 0.0560% | 5,983 |
| Net loans and leases to total assets | 67.9446% | 2,231 |
| Net loans and leases to deposits | 85.2508% | 1,700 |
| Net loans and leases to core deposits | 91.9138% | 1,741 |
| Total domestic deposits to total assets | 79.6996% | 5,546 |
| Equity capital to assets | 19.9181% | 218 |
| Core capital (leverage) ratio | 19.7687% | 219 |
| Tier 1 risk-based capital ratio | 26.7333% | 728 |
| Total risk-based capital ratio | 28.0014% | 715 |
| Memoranda: | ||
| Average total assets | $73,374,000 | 5,355 |
| Average earning assets | $68,830,000 | 5,296 |
| Average equity | $14,711,500 | 3,912 |
| Average total loans | $53,035,500 | 4,825 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7261% | 5,047 |
| Cost of funding earning assets | 0.3679% | 4,977 |
| Net interest margin | 3.3583% | 4,443 |
| Noninterest income to average assets | 0.1767% | 6,023 |
| Noninterest expense to average assets | 1.8561% | 6,250 |
| Loan and lease loss provision to assets | 0.0405% | 4,309 |
| Net operating income to assets | 1.4312% | 964 |
| Return on assets (ROA) | 1.4312% | 999 |
| Pretax return on assets | 1.4326% | 1,677 |
| Return on Equity (ROE) | 7.3968% | 3,357 |
| Retained earnings to average equity (ytd only) | 3.5973% | 3,663 |
| Net charge-offs to loans | 0.0596% | 4,386 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 36.4000% | 1,027 |
| Efficiency ratio | 55.7536% | 5,975 |
| Assets per employee ($millions) | 6.6109% | 939 |
| Cash dividends to net income (ytd only)* | 51.3666% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7638% | 630 |
| Loan loss allowance to noncurrent loans | 1,851.8519% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.7976% | 3,888 |
| Noncurrent loans to loans | 0.1492% | 5,751 |
| Net loans and leases to total assets | 72.5701% | 1,584 |
| Net loans and leases to deposits | 90.9754% | 1,156 |
| Net loans and leases to core deposits | 97.5688% | 1,343 |
| Total domestic deposits to total assets | 79.7690% | 5,501 |
| Equity capital to assets | 20.1843% | 202 |
| Core capital (leverage) ratio | 19.4575% | 224 |
| Tier 1 risk-based capital ratio | 25.9664% | 774 |
| Total risk-based capital ratio | 27.2335% | 755 |
| Memoranda: | ||
| Average total assets | $74,133,200 | 5,373 |
| Average earning assets | $69,589,400 | 5,321 |
| Average equity | $14,344,000 | 3,997 |
| Average total loans | $50,343,600 | 4,949 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6593% | 5,280 |
| Cost of funding earning assets | 0.3699% | 5,099 |
| Net interest margin | 3.2893% | 4,683 |
| Noninterest income to average assets | 0.1593% | 6,231 |
| Noninterest expense to average assets | 1.9994% | 6,013 |
| Loan and lease loss provision to assets | 0.1343% | 2,602 |
| Net operating income to assets | 1.1116% | 1,963 |
| Return on assets (ROA) | 1.1116% | 2,030 |
| Pretax return on assets | 1.1134% | 3,056 |
| Return on Equity (ROE) | 5.8061% | 4,284 |
| Retained earnings to average equity (ytd only) | 0.7106% | 5,691 |
| Net charge-offs to loans | 0.2026% | 2,611 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 9.2931% | 2,503 |
| Efficiency ratio | 61.5766% | 5,195 |
| Assets per employee ($millions) | 6.7062% | 851 |
| Cash dividends to net income (ytd only)* | 87.7618% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0125% | 546 |
| Loan loss allowance to noncurrent loans | 1,327.4336% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.9950% | 3,667 |
| Noncurrent loans to loans | 0.2269% | 5,665 |
| Net loans and leases to total assets | 65.4661% | 2,725 |
| Net loans and leases to deposits | 81.3904% | 2,213 |
| Net loans and leases to core deposits | 87.0709% | 2,276 |
| Total domestic deposits to total assets | 80.4346% | 5,379 |
| Equity capital to assets | 19.2970% | 237 |
| Core capital (leverage) ratio | 18.8038% | 244 |
| Tier 1 risk-based capital ratio | 26.5663% | 736 |
| Total risk-based capital ratio | 27.8354% | 726 |
| Memoranda: | ||
| Average total assets | $74,486,500 | 5,416 |
| Average earning assets | $69,921,250 | 5,366 |
| Average equity | $14,260,500 | 4,065 |
| Average total loans | $49,361,250 | 5,033 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6371% | 5,332 |
| Cost of funding earning assets | 0.3686% | 5,241 |
| Net interest margin | 3.2686% | 4,694 |
| Noninterest income to average assets | 0.1472% | 6,312 |
| Noninterest expense to average assets | 1.9458% | 6,139 |
| Loan and lease loss provision to assets | 0.2623% | 1,412 |
| Net operating income to assets | 0.9983% | 2,333 |
| Return on assets (ROA) | 0.9983% | 2,474 |
| Pretax return on assets | 1.0010% | 3,508 |
| Return on Equity (ROE) | 5.2281% | 4,601 |
| Retained earnings to average equity (ytd only) | 1.6399% | 5,206 |
| Net charge-offs to loans | 0.3982% | 1,620 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 4.8163% | 3,026 |
| Efficiency ratio | 60.6339% | 5,386 |
| Assets per employee ($millions) | 6.1837% | 1,083 |
| Cash dividends to net income (ytd only)* | 68.6327% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1254% | 512 |
| Loan loss allowance to noncurrent loans | 193.2990% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 1.2237% | 3,307 |
| Noncurrent loans to loans | 1.6169% | 2,887 |
| Net loans and leases to total assets | 62.6570% | 3,165 |
| Net loans and leases to deposits | 77.7765% | 2,593 |
| Net loans and leases to core deposits | 83.1572% | 2,676 |
| Total domestic deposits to total assets | 80.5603% | 5,458 |
| Equity capital to assets | 19.2483% | 243 |
| Core capital (leverage) ratio | 18.9312% | 236 |
| Tier 1 risk-based capital ratio | 27.7674% | 645 |
| Total risk-based capital ratio | 29.0392% | 633 |
| Memoranda: | ||
| Average total assets | $74,726,000 | 5,448 |
| Average earning assets | $70,000,330 | 5,394 |
| Average equity | $14,269,000 | 4,095 |
| Average total loans | $49,217,330 | 5,057 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6902% | 5,200 |
| Cost of funding earning assets | 0.3742% | 5,327 |
| Net interest margin | 3.3160% | 4,461 |
| Noninterest income to average assets | 0.1654% | 6,268 |
| Noninterest expense to average assets | 1.7976% | 6,442 |
| Loan and lease loss provision to assets | 0.2880% | 1,217 |
| Net operating income to assets | 1.1522% | 1,665 |
| Return on assets (ROA) | 1.1522% | 1,771 |
| Pretax return on assets | 1.1522% | 2,756 |
| Return on Equity (ROE) | 6.0581% | 4,012 |
| Retained earnings to average equity (ytd only) | 3.2254% | 4,315 |
| Net charge-offs to loans | 0.4335% | 1,368 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,425 |
| Efficiency ratio | 55.5189% | 6,107 |
| Assets per employee ($millions) | 6.3694% | 1,041 |
| Cash dividends to net income (ytd only)* | 46.7593% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1300% | 585 |
| Loan loss allowance to noncurrent loans | 202.9770% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 1.2625% | 3,456 |
| Noncurrent loans to loans | 1.5420% | 3,240 |
| Net loans and leases to total assets | 60.7382% | 3,300 |
| Net loans and leases to deposits | 74.8436% | 2,795 |
| Net loans and leases to core deposits | 79.5177% | 2,865 |
| Total domestic deposits to total assets | 81.1534% | 5,463 |
| Equity capital to assets | 18.7288% | 287 |
| Core capital (leverage) ratio | 18.8119% | 243 |
| Tier 1 risk-based capital ratio | 27.6811% | 658 |
| Total risk-based capital ratio | 28.9510% | 646 |
| Memoranda: | ||
| Average total assets | $74,987,000 | 5,485 |
| Average earning assets | $69,480,500 | 5,452 |
| Average equity | $14,262,000 | 4,144 |
| Average total loans | $49,829,000 | 5,065 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0769% | 5,027 |
| Cost of funding earning assets | 0.4814% | 5,339 |
| Net interest margin | 3.5955% | 4,101 |
| Noninterest income to average assets | 0.1741% | 6,160 |
| Noninterest expense to average assets | 2.0933% | 6,143 |
| Loan and lease loss provision to assets | -0.0236% | 6,839 |
| Net operating income to assets | 1.4870% | 943 |
| Return on assets (ROA) | 1.4870% | 1,042 |
| Pretax return on assets | 1.4870% | 1,720 |
| Return on Equity (ROE) | 7.2985% | 3,467 |
| Retained earnings to average equity (ytd only) | 4.9526% | 2,733 |
| Net charge-offs to loans | -0.0348% | 6,638 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8552% | 5,713 |
| Assets per employee ($millions) | 6.1284% | 1,203 |
| Cash dividends to net income (ytd only)* | 32.1429% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8994% | 735 |
| Loan loss allowance to noncurrent loans | 198.1506% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 1.4210% | 3,270 |
| Noncurrent loans to loans | 1.4633% | 3,402 |
| Net loans and leases to total assets | 68.3075% | 2,135 |
| Net loans and leases to deposits | 84.7245% | 1,670 |
| Net loans and leases to core deposits | 89.4847% | 1,897 |
| Total domestic deposits to total assets | 80.6231% | 5,503 |
| Equity capital to assets | 19.3212% | 248 |
| Core capital (leverage) ratio | 20.3678% | 178 |
| Tier 1 risk-based capital ratio | 26.5131% | 730 |
| Total risk-based capital ratio | 27.7828% | 718 |
| Memoranda: | ||
| Average total assets | $67,787,000 | 5,682 |
| Average earning assets | $63,773,800 | 5,616 |
| Average equity | $13,811,000 | 4,200 |
| Average total loans | $45,963,400 | 5,254 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1724% | 4,911 |
| Cost of funding earning assets | 0.5043% | 5,410 |
| Net interest margin | 3.6681% | 3,928 |
| Noninterest income to average assets | 0.1849% | 6,199 |
| Noninterest expense to average assets | 2.3070% | 5,667 |
| Loan and lease loss provision to assets | -0.0985% | 7,033 |
| Net operating income to assets | 1.4408% | 1,142 |
| Return on assets (ROA) | 1.4408% | 1,263 |
| Pretax return on assets | 1.4408% | 2,111 |
| Return on Equity (ROE) | 6.9721% | 3,838 |
| Retained earnings to average equity (ytd only) | 3.8215% | 4,198 |
| Net charge-offs to loans | -0.1467% | 6,933 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2159% | 4,943 |
| Assets per employee ($millions) | 5.5619% | 1,575 |
| Cash dividends to net income (ytd only)* | 45.1882% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3545% | 527 |
| Loan loss allowance to noncurrent loans | 199.4681% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 1.6032% | 3,193 |
| Noncurrent loans to loans | 1.6817% | 3,272 |
| Net loans and leases to total assets | 64.7499% | 2,888 |
| Net loans and leases to deposits | 82.1534% | 2,097 |
| Net loans and leases to core deposits | 87.3068% | 2,305 |
| Total domestic deposits to total assets | 78.8158% | 5,918 |
| Equity capital to assets | 20.8741% | 208 |
| Core capital (leverage) ratio | 21.1495% | 165 |
| Tier 1 risk-based capital ratio | 29.6934% | 547 |
| Total risk-based capital ratio | 30.9686% | 538 |
| Memoranda: | ||
| Average total assets | $66,348,500 | 5,801 |
| Average earning assets | $62,664,500 | 5,711 |
| Average equity | $13,711,500 | 4,260 |
| Average total loans | $44,520,750 | 5,372 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1310% | 5,191 |
| Cost of funding earning assets | 0.5243% | 5,458 |
| Net interest margin | 3.6067% | 4,227 |
| Noninterest income to average assets | 0.2054% | 6,091 |
| Noninterest expense to average assets | 2.2653% | 5,832 |
| Loan and lease loss provision to assets | 0.1057% | 4,206 |
| Net operating income to assets | 1.2625% | 1,536 |
| Return on assets (ROA) | 1.2625% | 1,705 |
| Pretax return on assets | 1.2625% | 2,680 |
| Return on Equity (ROE) | 6.1299% | 4,261 |
| Retained earnings to average equity (ytd only) | 3.1676% | 4,509 |
| Net charge-offs to loans | 0.1575% | 3,662 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 12.9429% | 1,838 |
| Efficiency ratio | 62.3441% | 5,193 |
| Assets per employee ($millions) | 5.3708% | 1,738 |
| Cash dividends to net income (ytd only)* | 48.3254% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3566% | 566 |
| Loan loss allowance to noncurrent loans | 199.2032% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 1.6618% | 3,225 |
| Noncurrent loans to loans | 1.6850% | 3,370 |
| Net loans and leases to total assets | 67.0101% | 2,459 |
| Net loans and leases to deposits | 85.4261% | 1,667 |
| Net loans and leases to core deposits | 91.0141% | 1,872 |
| Total domestic deposits to total assets | 78.4422% | 6,070 |
| Equity capital to assets | 21.3049% | 186 |
| Core capital (leverage) ratio | 20.7560% | 173 |
| Tier 1 risk-based capital ratio | 29.4852% | 544 |
| Total risk-based capital ratio | 30.7592% | 531 |
| Memoranda: | ||
| Average total assets | $66,217,000 | 5,839 |
| Average earning assets | $62,938,000 | 5,741 |
| Average equity | $13,638,000 | 4,267 |
| Average total loans | $44,455,670 | 5,408 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1161% | 5,397 |
| Cost of funding earning assets | 0.5673% | 5,378 |
| Net interest margin | 3.5488% | 4,490 |
| Noninterest income to average assets | 0.2325% | 5,961 |
| Noninterest expense to average assets | 2.2235% | 5,982 |
| Loan and lease loss provision to assets | 0.2325% | 2,620 |
| Net operating income to assets | 1.1326% | 1,947 |
| Return on assets (ROA) | 1.1326% | 2,130 |
| Pretax return on assets | 1.1326% | 3,189 |
| Return on Equity (ROE) | 5.5917% | 4,506 |
| Retained earnings to average equity (ytd only) | 4.7971% | 3,677 |
| Net charge-offs to loans | 0.3518% | 2,245 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 5.8718% | 2,288 |
| Efficiency ratio | 61.9601% | 5,282 |
| Assets per employee ($millions) | 5.1856% | 2,008 |
| Cash dividends to net income (ytd only)* | 14.2105% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3988% | 576 |
| Loan loss allowance to noncurrent loans | 669.6429% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.8040% | 4,934 |
| Noncurrent loans to loans | 0.5076% | 5,657 |
| Net loans and leases to total assets | 63.2415% | 2,995 |
| Net loans and leases to deposits | 79.4947% | 2,274 |
| Net loans and leases to core deposits | 84.3750% | 2,502 |
| Total domestic deposits to total assets | 79.5544% | 5,962 |
| Equity capital to assets | 20.2706% | 214 |
| Core capital (leverage) ratio | 20.1961% | 193 |
| Tier 1 risk-based capital ratio | 29.5624% | 546 |
| Total risk-based capital ratio | 30.8383% | 531 |
| Memoranda: | ||
| Average total assets | $67,100,500 | 5,855 |
| Average earning assets | $63,458,500 | 5,766 |
| Average equity | $13,591,500 | 4,279 |
| Average total loans | $44,339,500 | 5,456 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4827% | 5,144 |
| Cost of funding earning assets | 0.7748% | 5,034 |
| Net interest margin | 3.7080% | 4,262 |
| Noninterest income to average assets | 0.1532% | 6,385 |
| Noninterest expense to average assets | 2.4474% | 5,642 |
| Loan and lease loss provision to assets | 0.9540% | 1,008 |
| Net operating income to assets | 0.2464% | 5,431 |
| Return on assets (ROA) | 0.2464% | 5,575 |
| Pretax return on assets | 0.2464% | 5,676 |
| Return on Equity (ROE) | 1.1904% | 5,920 |
| Retained earnings to average equity (ytd only) | -3.2807% | 6,310 |
| Net charge-offs to loans | 0.8084% | 2,136 |
| Credit loss provision to net charge-offs | 171.6216% | 1,555 |
| Earnings coverage of net charge-offs (x) | 2.1595% | 4,168 |
| Efficiency ratio | 67.0923% | 4,556 |
| Assets per employee ($millions) | 5.1375% | 2,014 |
| Cash dividends to net income (ytd only)* | 375.6098% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3673% | 586 |
| Loan loss allowance to noncurrent loans | 242.7184% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.9403% | 4,729 |
| Noncurrent loans to loans | 1.3873% | 4,063 |
| Net loans and leases to total assets | 64.4517% | 3,089 |
| Net loans and leases to deposits | 80.9135% | 2,375 |
| Net loans and leases to core deposits | 87.1482% | 2,481 |
| Total domestic deposits to total assets | 79.6550% | 5,831 |
| Equity capital to assets | 20.2402% | 221 |
| Core capital (leverage) ratio | 19.8574% | 208 |
| Tier 1 risk-based capital ratio | 29.1817% | 558 |
| Total risk-based capital ratio | 30.4564% | 545 |
| Memoranda: | ||
| Average total assets | $66,561,600 | 5,854 |
| Average earning assets | $62,729,400 | 5,782 |
| Average equity | $13,777,400 | 4,164 |
| Average total loans | $45,769,400 | 5,433 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5759% | 4,974 |
| Cost of funding earning assets | 0.8123% | 5,071 |
| Net interest margin | 3.7637% | 4,044 |
| Noninterest income to average assets | 0.1544% | 6,487 |
| Noninterest expense to average assets | 2.7205% | 4,654 |
| Loan and lease loss provision to assets | 0.7879% | 1,188 |
| Net operating income to assets | 0.1945% | 5,714 |
| Return on assets (ROA) | 0.1945% | 5,846 |
| Pretax return on assets | 0.1945% | 5,906 |
| Return on Equity (ROE) | 0.9343% | 6,078 |
| Retained earnings to average equity (ytd only) | -4.9990% | 6,595 |
| Net charge-offs to loans | 0.3704% | 3,241 |
| Credit loss provision to net charge-offs | 307.0313% | 928 |
| Earnings coverage of net charge-offs (x) | 3.8282% | 3,282 |
| Efficiency ratio | 73.4705% | 3,284 |
| Assets per employee ($millions) | 5.1220% | 2,036 |
| Cash dividends to net income (ytd only)* | 635.0499% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3696% | 626 |
| Loan loss allowance to noncurrent loans | 125.9446% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 1.8037% | 3,391 |
| Noncurrent loans to loans | 2.6754% | 2,606 |
| Net loans and leases to total assets | 64.6022% | 3,186 |
| Net loans and leases to deposits | 81.4188% | 2,463 |
| Net loans and leases to core deposits | 87.6393% | 2,539 |
| Total domestic deposits to total assets | 79.3455% | 5,901 |
| Equity capital to assets | 20.2235% | 237 |
| Core capital (leverage) ratio | 19.6854% | 229 |
| Tier 1 risk-based capital ratio | 28.8031% | 606 |
| Total risk-based capital ratio | 30.0784% | 592 |
| Memoranda: | ||
| Average total assets | $66,505,000 | 5,897 |
| Average earning assets | $62,703,250 | 5,816 |
| Average equity | $13,842,250 | 4,156 |
| Average total loans | $46,075,250 | 5,461 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6182% | 4,893 |
| Cost of funding earning assets | 0.8484% | 5,076 |
| Net interest margin | 3.7698% | 3,938 |
| Noninterest income to average assets | 0.1595% | 6,518 |
| Noninterest expense to average assets | 2.7558% | 4,608 |
| Loan and lease loss provision to assets | 0.8544% | 1,055 |
| Net operating income to assets | 0.1053% | 6,001 |
| Return on assets (ROA) | 0.1053% | 6,084 |
| Pretax return on assets | 0.1053% | 6,096 |
| Return on Equity (ROE) | 0.5012% | 6,192 |
| Retained earnings to average equity (ytd only) | -0.7446% | 6,006 |
| Net charge-offs to loans | 0.3391% | 3,212 |
| Credit loss provision to net charge-offs | 359.4937% | 854 |
| Earnings coverage of net charge-offs (x) | 4.0380% | 2,984 |
| Efficiency ratio | 74.1700% | 3,337 |
| Assets per employee ($millions) | 5.0517% | 2,058 |
| Cash dividends to net income (ytd only)* | 248.5714% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1166% | 812 |
| Loan loss allowance to noncurrent loans | 113.7441% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 2.0998% | 3,104 |
| Noncurrent loans to loans | 2.7400% | 2,657 |
| Net loans and leases to total assets | 68.1630% | 2,586 |
| Net loans and leases to deposits | 86.9035% | 1,661 |
| Net loans and leases to core deposits | 93.7172% | 1,932 |
| Total domestic deposits to total assets | 78.4353% | 6,208 |
| Equity capital to assets | 21.2145% | 203 |
| Core capital (leverage) ratio | 20.6110% | 198 |
| Tier 1 risk-based capital ratio | 29.5900% | 556 |
| Total risk-based capital ratio | 30.8621% | 540 |
| Memoranda: | ||
| Average total assets | $66,478,000 | 5,943 |
| Average earning assets | $62,708,330 | 5,867 |
| Average equity | $13,967,670 | 4,128 |
| Average total loans | $46,595,000 | 5,493 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6040% | 4,927 |
| Cost of funding earning assets | 0.8827% | 5,045 |
| Net interest margin | 3.7213% | 3,992 |
| Noninterest income to average assets | 0.1675% | 6,530 |
| Noninterest expense to average assets | 2.6734% | 4,946 |
| Loan and lease loss provision to assets | 0.8612% | 950 |
| Net operating income to assets | 0.1376% | 5,980 |
| Return on assets (ROA) | 0.1376% | 6,037 |
| Pretax return on assets | 0.1376% | 6,082 |
| Return on Equity (ROE) | 0.6578% | 6,229 |
| Retained earnings to average equity (ytd only) | 0.6578% | 5,563 |
| Net charge-offs to loans | 0.3334% | 2,724 |
| Credit loss provision to net charge-offs | 369.2308% | 895 |
| Earnings coverage of net charge-offs (x) | 4.2821% | 2,524 |
| Efficiency ratio | 72.8013% | 3,715 |
| Assets per employee ($millions) | 5.2355% | 1,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9242% | 983 |
| Loan loss allowance to noncurrent loans | 107.8905% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 1.9923% | 3,329 |
| Noncurrent loans to loans | 2.7104% | 2,787 |
| Net loans and leases to total assets | 65.3590% | 3,160 |
| Net loans and leases to deposits | 82.5413% | 2,264 |
| Net loans and leases to core deposits | 88.9040% | 2,490 |
| Total domestic deposits to total assets | 79.1834% | 6,146 |
| Equity capital to assets | 20.5742% | 226 |
| Core capital (leverage) ratio | 20.4626% | 207 |
| Tier 1 risk-based capital ratio | 29.8729% | 528 |
| Total risk-based capital ratio | 31.1439% | 517 |
| Memoranda: | ||
| Average total assets | $66,881,000 | 5,972 |
| Average earning assets | $62,988,500 | 5,895 |
| Average equity | $13,985,500 | 4,113 |
| Average total loans | $46,790,500 | 5,534 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8729% | 1,097 |
| Cost of funding earning assets | 1.2216% | 4,413 |
| Net interest margin | 4.6513% | 907 |
| Noninterest income to average assets | 0.1743% | 6,493 |
| Noninterest expense to average assets | 2.3415% | 6,241 |
| Loan and lease loss provision to assets | 1.9420% | 692 |
| Net operating income to assets | 0.0432% | 5,719 |
| Return on assets (ROA) | 0.0432% | 5,859 |
| Pretax return on assets | 0.0432% | 5,806 |
| Return on Equity (ROE) | 0.1988% | 5,902 |
| Retained earnings to average equity (ytd only) | -1.9735% | 5,966 |
| Net charge-offs to loans | 2.8845% | 595 |
| Credit loss provision to net charge-offs | 85.4138% | 5,322 |
| Earnings coverage of net charge-offs (x) | 0.8731% | 5,253 |
| Efficiency ratio | 54.1176% | 6,796 |
| Assets per employee ($millions) | 5.0539% | 2,079 |
| Cash dividends to net income (ytd only)* | 1,092.8571% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5860% | 1,302 |
| Loan loss allowance to noncurrent loans | 97.2441% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 2.1080% | 3,208 |
| Noncurrent loans to loans | 2.6593% | 2,858 |
| Net loans and leases to total assets | 70.8087% | 2,352 |
| Net loans and leases to deposits | 90.1065% | 1,509 |
| Net loans and leases to core deposits | 97.3386% | 1,863 |
| Total domestic deposits to total assets | 78.5833% | 6,194 |
| Equity capital to assets | 21.2600% | 197 |
| Core capital (leverage) ratio | 21.0352% | 197 |
| Tier 1 risk-based capital ratio | 29.0424% | 541 |
| Total risk-based capital ratio | 30.3095% | 531 |
| Memoranda: | ||
| Average total assets | $64,829,800 | 6,039 |
| Average earning assets | $57,876,400 | 6,067 |
| Average equity | $14,086,800 | 4,126 |
| Average total loans | $51,101,200 | 5,440 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0900% | 778 |
| Cost of funding earning assets | 1.2690% | 4,444 |
| Net interest margin | 4.8210% | 650 |
| Noninterest income to average assets | 0.1816% | 6,580 |
| Noninterest expense to average assets | 1.9666% | 7,109 |
| Loan and lease loss provision to assets | 2.4102% | 449 |
| Net operating income to assets | 0.0537% | 5,877 |
| Return on assets (ROA) | 0.0537% | 6,010 |
| Pretax return on assets | 0.0537% | 5,997 |
| Return on Equity (ROE) | 0.2456% | 6,062 |
| Retained earnings to average equity (ytd only) | -2.6446% | 6,305 |
| Net charge-offs to loans | 3.5503% | 374 |
| Credit loss provision to net charge-offs | 84.4541% | 4,981 |
| Earnings coverage of net charge-offs (x) | 0.8633% | 5,187 |
| Efficiency ratio | 44.3875% | 7,451 |
| Assets per employee ($millions) | 4.9272% | 2,280 |
| Cash dividends to net income (ytd only)* | 1,176.7811% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4153% | 1,450 |
| Loan loss allowance to noncurrent loans | 100.4065% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 2.0561% | 3,400 |
| Noncurrent loans to loans | 2.4055% | 3,227 |
| Net loans and leases to total assets | 77.8996% | 1,050 |
| Net loans and leases to deposits | 99.8879% | 668 |
| Net loans and leases to core deposits | 108.0934% | 1,160 |
| Total domestic deposits to total assets | 77.9870% | 6,262 |
| Equity capital to assets | 21.8163% | 198 |
| Core capital (leverage) ratio | 21.7780% | 183 |
| Tier 1 risk-based capital ratio | 27.6480% | 650 |
| Total risk-based capital ratio | 28.9124% | 636 |
| Memoranda: | ||
| Average total assets | $64,612,000 | 6,118 |
| Average earning assets | $56,944,250 | 6,168 |
| Average equity | $14,116,500 | 4,181 |
| Average total loans | $51,937,250 | 5,484 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1670% | 662 |
| Cost of funding earning assets | 1.2819% | 4,639 |
| Net interest margin | 4.8851% | 552 |
| Noninterest income to average assets | 0.1975% | 6,492 |
| Noninterest expense to average assets | 2.5062% | 5,699 |
| Loan and lease loss provision to assets | 1.9198% | 643 |
| Net operating income to assets | 0.0648% | 5,957 |
| Return on assets (ROA) | 0.0648% | 6,057 |
| Pretax return on assets | 0.0648% | 6,047 |
| Return on Equity (ROE) | 0.2965% | 6,132 |
| Retained earnings to average equity (ytd only) | -1.2002% | 6,015 |
| Net charge-offs to loans | 2.3829% | 731 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 1.0338% | 4,755 |
| Efficiency ratio | 55.8076% | 6,659 |
| Assets per employee ($millions) | 4.8049% | 2,442 |
| Cash dividends to net income (ytd only)* | 504.7619% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7848% | 1,011 |
| Loan loss allowance to noncurrent loans | 72.5000% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 3.3427% | 2,103 |
| Noncurrent loans to loans | 3.8411% | 2,003 |
| Net loans and leases to total assets | 81.0355% | 667 |
| Net loans and leases to deposits | 105.2502% | 430 |
| Net loans and leases to core deposits | 114.2361% | 908 |
| Total domestic deposits to total assets | 76.9931% | 6,506 |
| Equity capital to assets | 22.6050% | 179 |
| Core capital (leverage) ratio | 22.0197% | 178 |
| Tier 1 risk-based capital ratio | 27.4914% | 667 |
| Total risk-based capital ratio | 28.7606% | 651 |
| Memoranda: | ||
| Average total assets | $64,798,330 | 6,150 |
| Average earning assets | $56,948,330 | 6,202 |
| Average equity | $14,164,000 | 4,161 |
| Average total loans | $52,205,670 | 5,504 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8969% | 1,209 |
| Cost of funding earning assets | 1.3112% | 4,746 |
| Net interest margin | 4.5857% | 978 |
| Noninterest income to average assets | 0.2062% | 6,486 |
| Noninterest expense to average assets | 2.4376% | 5,955 |
| Loan and lease loss provision to assets | 1.6554% | 696 |
| Net operating income to assets | 0.0364% | 6,198 |
| Return on assets (ROA) | 0.0364% | 6,317 |
| Pretax return on assets | 0.0364% | 6,288 |
| Return on Equity (ROE) | 0.1692% | 6,357 |
| Retained earnings to average equity (ytd only) | -0.2256% | 5,883 |
| Net charge-offs to loans | 2.0890% | 816 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 1.0220% | 4,157 |
| Efficiency ratio | 59.0308% | 6,335 |
| Assets per employee ($millions) | 4.9731% | 2,268 |
| Cash dividends to net income (ytd only)* | 233.3333% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8922% | 909 |
| Loan loss allowance to noncurrent loans | 44.9195% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 5.1292% | 1,237 |
| Noncurrent loans to loans | 6.4386% | 973 |
| Net loans and leases to total assets | 75.3055% | 1,681 |
| Net loans and leases to deposits | 96.8393% | 1,014 |
| Net loans and leases to core deposits | 104.7012% | 1,684 |
| Total domestic deposits to total assets | 77.7633% | 6,378 |
| Equity capital to assets | 21.9474% | 210 |
| Core capital (leverage) ratio | 21.7094% | 194 |
| Tier 1 risk-based capital ratio | 28.0533% | 636 |
| Total risk-based capital ratio | 29.3234% | 621 |
| Memoranda: | ||
| Average total assets | $65,965,500 | 6,174 |
| Average earning assets | $56,436,500 | 6,303 |
| Average equity | $14,186,000 | 4,202 |
| Average total loans | $52,274,500 | 5,568 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0329% | 1,743 |
| Cost of funding earning assets | 1.4318% | 5,795 |
| Net interest margin | 4.6011% | 986 |
| Noninterest income to average assets | 0.1971% | 6,684 |
| Noninterest expense to average assets | 2.2117% | 6,964 |
| Loan and lease loss provision to assets | 2.0597% | 1,035 |
| Net operating income to assets | 0.2528% | 4,714 |
| Return on assets (ROA) | 0.2528% | 4,795 |
| Pretax return on assets | 0.2528% | 4,888 |
| Return on Equity (ROE) | 1.1835% | 5,177 |
| Retained earnings to average equity (ytd only) | -1.6626% | 5,429 |
| Net charge-offs to loans | 1.6469% | 1,538 |
| Credit loss provision to net charge-offs | 148.9663% | 3,125 |
| Earnings coverage of net charge-offs (x) | 1.6725% | 4,484 |
| Efficiency ratio | 48.8859% | 7,593 |
| Assets per employee ($millions) | 5.1755% | 1,973 |
| Cash dividends to net income (ytd only)* | 240.4762% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6648% | 1,051 |
| Loan loss allowance to noncurrent loans | 40.7075% | 5,682 |
| Noncurrent assets plus other real estate owned to assets | 5.3135% | 1,113 |
| Noncurrent loans to loans | 6.5461% | 911 |
| Net loans and leases to total assets | 78.7206% | 1,247 |
| Net loans and leases to deposits | 99.9868% | 904 |
| Net loans and leases to core deposits | 120.9334% | 1,884 |
| Total domestic deposits to total assets | 78.7310% | 6,051 |
| Equity capital to assets | 21.0802% | 247 |
| Core capital (leverage) ratio | 21.7560% | 216 |
| Tier 1 risk-based capital ratio | 26.0866% | 756 |
| Total risk-based capital ratio | 27.3540% | 740 |
| Memoranda: | ||
| Average total assets | $66,465,000 | 6,129 |
| Average earning assets | $62,507,400 | 6,047 |
| Average equity | $14,195,000 | 4,209 |
| Average total loans | $55,802,800 | 5,429 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9619% | 2,188 |
| Cost of funding earning assets | 1.4652% | 5,979 |
| Net interest margin | 4.4966% | 1,200 |
| Noninterest income to average assets | 0.2052% | 6,752 |
| Noninterest expense to average assets | 2.5132% | 6,029 |
| Loan and lease loss provision to assets | 1.6721% | 1,119 |
| Net operating income to assets | 0.3179% | 4,730 |
| Return on assets (ROA) | 0.3179% | 4,836 |
| Pretax return on assets | 0.3179% | 5,011 |
| Return on Equity (ROE) | 1.4837% | 5,339 |
| Retained earnings to average equity (ytd only) | -2.3101% | 5,778 |
| Net charge-offs to loans | 0.9047% | 2,162 |
| Credit loss provision to net charge-offs | 218.1102% | 2,012 |
| Earnings coverage of net charge-offs (x) | 2.5958% | 3,924 |
| Efficiency ratio | 55.8088% | 7,028 |
| Assets per employee ($millions) | 4.9522% | 2,205 |
| Cash dividends to net income (ytd only)* | 255.6964% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5793% | 988 |
| Loan loss allowance to noncurrent loans | 30.5070% | 6,425 |
| Noncurrent assets plus other real estate owned to assets | 7.4032% | 614 |
| Noncurrent loans to loans | 8.4549% | 549 |
| Net loans and leases to total assets | 85.0694% | 430 |
| Net loans and leases to deposits | 112.6478% | 369 |
| Net loans and leases to core deposits | 139.3253% | 944 |
| Total domestic deposits to total assets | 75.5180% | 6,673 |
| Equity capital to assets | 21.9656% | 245 |
| Core capital (leverage) ratio | 21.6244% | 243 |
| Tier 1 risk-based capital ratio | 25.5101% | 857 |
| Total risk-based capital ratio | 26.7775% | 835 |
| Memoranda: | ||
| Average total assets | $66,261,000 | 6,174 |
| Average earning assets | $63,334,500 | 6,062 |
| Average equity | $14,198,000 | 4,241 |
| Average total loans | $56,150,000 | 5,459 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0207% | 2,100 |
| Cost of funding earning assets | 1.5091% | 6,106 |
| Net interest margin | 4.5116% | 1,143 |
| Noninterest income to average assets | 0.2123% | 6,784 |
| Noninterest expense to average assets | 2.5655% | 5,882 |
| Loan and lease loss provision to assets | 1.4801% | 1,159 |
| Net operating income to assets | 0.4575% | 4,265 |
| Return on assets (ROA) | 0.4575% | 4,378 |
| Pretax return on assets | 0.4575% | 4,758 |
| Return on Equity (ROE) | 2.1524% | 5,239 |
| Retained earnings to average equity (ytd only) | -2.3634% | 5,828 |
| Net charge-offs to loans | 0.8730% | 1,948 |
| Credit loss provision to net charge-offs | 202.0408% | 2,254 |
| Earnings coverage of net charge-offs (x) | 2.6449% | 3,751 |
| Efficiency ratio | 56.9721% | 6,995 |
| Assets per employee ($millions) | 4.7099% | 2,452 |
| Cash dividends to net income (ytd only)* | 209.8039% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1994% | 1,245 |
| Loan loss allowance to noncurrent loans | 32.5182% | 6,296 |
| Noncurrent assets plus other real estate owned to assets | 5.8554% | 838 |
| Noncurrent loans to loans | 6.7636% | 751 |
| Net loans and leases to total assets | 84.2961% | 590 |
| Net loans and leases to deposits | 112.1278% | 472 |
| Net loans and leases to core deposits | 137.0583% | 1,154 |
| Total domestic deposits to total assets | 75.1786% | 6,728 |
| Equity capital to assets | 21.5093% | 305 |
| Core capital (leverage) ratio | 21.5234% | 293 |
| Tier 1 risk-based capital ratio | 25.2729% | 915 |
| Total risk-based capital ratio | 26.5359% | 894 |
| Memoranda: | ||
| Average total assets | $66,888,670 | 6,194 |
| Average earning assets | $63,613,670 | 6,087 |
| Average equity | $14,217,000 | 4,259 |
| Average total loans | $56,128,000 | 5,498 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9740% | 2,464 |
| Cost of funding earning assets | 1.5565% | 6,209 |
| Net interest margin | 4.4175% | 1,305 |
| Noninterest income to average assets | 0.2256% | 6,661 |
| Noninterest expense to average assets | 2.6127% | 5,404 |
| Loan and lease loss provision to assets | 1.4548% | 869 |
| Net operating income to assets | 0.3206% | 5,212 |
| Return on assets (ROA) | 0.3206% | 5,383 |
| Pretax return on assets | 0.3206% | 5,621 |
| Return on Equity (ROE) | 1.5175% | 5,958 |
| Retained earnings to average equity (ytd only) | -3.5970% | 6,371 |
| Net charge-offs to loans | 1.0399% | 1,300 |
| Credit loss provision to net charge-offs | 168.9655% | 2,536 |
| Earnings coverage of net charge-offs (x) | 2.0621% | 3,692 |
| Efficiency ratio | 59.5399% | 6,468 |
| Assets per employee ($millions) | 4.7348% | 2,386 |
| Cash dividends to net income (ytd only)* | 337.0370% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9946% | 1,435 |
| Loan loss allowance to noncurrent loans | 30.3783% | 6,523 |
| Noncurrent assets plus other real estate owned to assets | 5.4626% | 788 |
| Noncurrent loans to loans | 6.5657% | 662 |
| Net loans and leases to total assets | 81.5394% | 1,095 |
| Net loans and leases to deposits | 104.5434% | 977 |
| Net loans and leases to core deposits | 126.8303% | 1,857 |
| Total domestic deposits to total assets | 77.9957% | 6,020 |
| Equity capital to assets | 21.3722% | 341 |
| Core capital (leverage) ratio | 21.4535% | 334 |
| Tier 1 risk-based capital ratio | 25.8765% | 902 |
| Total risk-based capital ratio | 27.1350% | 882 |
| Memoranda: | ||
| Average total assets | $67,363,500 | 6,203 |
| Average earning assets | $63,475,500 | 6,126 |
| Average equity | $14,234,000 | 4,288 |
| Average total loans | $55,775,000 | 5,549 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2512% | 660 |
| Cost of funding earning assets | 2.0503% | 6,235 |
| Net interest margin | 5.2009% | 342 |
| Noninterest income to average assets | 0.2170% | 6,881 |
| Noninterest expense to average assets | 2.2124% | 6,935 |
| Loan and lease loss provision to assets | 0.1711% | 5,194 |
| Net operating income to assets | 2.8006% | 83 |
| Return on assets (ROA) | 2.8067% | 80 |
| Pretax return on assets | 2.8082% | 117 |
| Return on Equity (ROE) | 12.9395% | 1,341 |
| Retained earnings to average equity (ytd only) | -1.3242% | 5,687 |
| Net charge-offs to loans | 0.1992% | 4,202 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 17.3750% | 1,777 |
| Efficiency ratio | 42.6635% | 8,054 |
| Assets per employee ($millions) | 4.8886% | 2,065 |
| Cash dividends to net income (ytd only)* | 110.2341% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7730% | 1,697 |
| Loan loss allowance to noncurrent loans | 65.2316% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 2.2399% | 2,176 |
| Noncurrent loans to loans | 2.7181% | 1,995 |
| Net loans and leases to total assets | 80.9468% | 1,451 |
| Net loans and leases to deposits | 103.0104% | 1,467 |
| Net loans and leases to core deposits | 122.8272% | 2,413 |
| Total domestic deposits to total assets | 78.5812% | 5,520 |
| Equity capital to assets | 20.8957% | 410 |
| Core capital (leverage) ratio | 21.7982% | 344 |
| Tier 1 risk-based capital ratio | 25.1513% | 974 |
| Total risk-based capital ratio | 26.4075% | 954 |
| Memoranda: | ||
| Average total assets | $65,450,400 | 6,178 |
| Average earning assets | $62,527,600 | 6,073 |
| Average equity | $14,196,800 | 4,295 |
| Average total loans | $56,236,200 | 5,436 |