Home > The Bank of Kaukauna > Performance and Condition Ratios
The Bank of Kaukauna, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9278% | 2,221 |
| Cost of funding earning assets | 1.3952% | 2,242 |
| Net interest margin | 3.5326% | 2,114 |
| Noninterest income to average assets | 2.1600% | 247 |
| Noninterest expense to average assets | 3.9554% | 381 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1041% | 1,913 |
| Return on assets (ROA) | 0.9552% | 2,343 |
| Pretax return on assets | 1.2746% | 1,945 |
| Return on Equity (ROE) | 12.6100% | 1,818 |
| Retained earnings to average equity (ytd only) | 7.3726% | 1,767 |
| Net charge-offs to loans | -0.0784% | 4,460 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.8240% | 1,573 |
| Assets per employee ($millions) | 4.0405% | 4,148 |
| Cash dividends to net income (ytd only)* | 41.5162% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2213% | 2,169 |
| Loan loss allowance to noncurrent loans | 755.4286% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.1140% | 2,773 |
| Noncurrent loans to loans | 0.1617% | 2,710 |
| Net loans and leases to total assets | 69.6400% | 1,849 |
| Net loans and leases to deposits | 76.2337% | 2,432 |
| Net loans and leases to core deposits | 84.3610% | 2,432 |
| Total domestic deposits to total assets | 91.3500% | 424 |
| Equity capital to assets | 7.3812% | 3,780 |
| Core capital (leverage) ratio | 8.2270% | 4,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0172% | 2,579 |
| Memoranda: | ||
| Average total assets | $144,990,800 | 3,411 |
| Average earning assets | $132,310,800 | 3,425 |
| Average equity | $10,986,600 | 3,615 |
| Average total loans | $95,710,200 | 3,220 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8448% | 2,174 |
| Cost of funding earning assets | 1.3023% | 2,137 |
| Net interest margin | 3.5425% | 2,128 |
| Noninterest income to average assets | 2.1300% | 270 |
| Noninterest expense to average assets | 3.9359% | 375 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0723% | 2,141 |
| Return on assets (ROA) | 0.8997% | 2,664 |
| Pretax return on assets | 1.2460% | 2,183 |
| Return on Equity (ROE) | 11.7900% | 2,183 |
| Retained earnings to average equity (ytd only) | 6.5931% | 2,435 |
| Net charge-offs to loans | -0.1080% | 4,505 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.7479% | 1,476 |
| Assets per employee ($millions) | 3.7127% | 4,270 |
| Cash dividends to net income (ytd only)* | 44.0871% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 1,609 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 66.0500% | 2,239 |
| Net loans and leases to deposits | 72.2005% | 2,696 |
| Net loans and leases to core deposits | 81.3140% | 2,512 |
| Total domestic deposits to total assets | 91.4900% | 558 |
| Equity capital to assets | 7.4732% | 3,368 |
| Core capital (leverage) ratio | 8.2568% | 4,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8073% | 2,341 |
| Memoranda: | ||
| Average total assets | $142,854,000 | 3,439 |
| Average earning assets | $129,922,250 | 3,453 |
| Average equity | $10,900,000 | 3,625 |
| Average total loans | $92,577,250 | 3,261 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7079% | 2,187 |
| Cost of funding earning assets | 1.1982% | 2,000 |
| Net interest margin | 3.5097% | 2,238 |
| Noninterest income to average assets | 2.0800% | 230 |
| Noninterest expense to average assets | 3.9759% | 348 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9843% | 2,469 |
| Return on assets (ROA) | 0.7974% | 3,095 |
| Pretax return on assets | 1.1111% | 2,613 |
| Return on Equity (ROE) | 10.3800% | 2,601 |
| Retained earnings to average equity (ytd only) | 5.3449% | 2,843 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.6269% | 1,290 |
| Assets per employee ($millions) | 3.6431% | 4,311 |
| Cash dividends to net income (ytd only)* | 48.5009% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3518% | 1,703 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 65.7300% | 2,185 |
| Net loans and leases to deposits | 72.3412% | 2,623 |
| Net loans and leases to core deposits | 77.3871% | 2,665 |
| Total domestic deposits to total assets | 90.8700% | 687 |
| Equity capital to assets | 7.9683% | 3,240 |
| Core capital (leverage) ratio | 9.1774% | 3,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1069% | 1,849 |
| Memoranda: | ||
| Average total assets | $142,206,333 | 3,457 |
| Average earning assets | $129,525,667 | 3,467 |
| Average equity | $10,926,333 | 3,638 |
| Average total loans | $91,114,333 | 3,282 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6536% | 1,957 |
| Cost of funding earning assets | 1.1381% | 1,634 |
| Net interest margin | 3.5154% | 2,322 |
| Noninterest income to average assets | 2.0300% | 226 |
| Noninterest expense to average assets | 3.8920% | 381 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0130% | 2,491 |
| Return on assets (ROA) | 0.8217% | 3,078 |
| Pretax return on assets | 1.1326% | 2,618 |
| Return on Equity (ROE) | 10.8900% | 2,523 |
| Retained earnings to average equity (ytd only) | 10.8884% | 1,490 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.8437% | 1,358 |
| Assets per employee ($millions) | 3.9829% | 4,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3707% | 1,733 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 62.5800% | 2,401 |
| Net loans and leases to deposits | 68.5545% | 2,729 |
| Net loans and leases to core deposits | 73.4795% | 2,719 |
| Total domestic deposits to total assets | 91.2900% | 707 |
| Equity capital to assets | 7.7582% | 3,407 |
| Core capital (leverage) ratio | 8.4981% | 4,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0180% | 1,971 |
| Memoranda: | ||
| Average total assets | $144,091,500 | 3,482 |
| Average earning assets | $130,738,500 | 3,497 |
| Average equity | $10,874,000 | 3,685 |
| Average total loans | $90,549,000 | 3,325 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8399% | 2,173 |
| Cost of funding earning assets | 0.3542% | 2,447 |
| Net interest margin | 3.4858% | 1,973 |
| Noninterest income to average assets | 2.1900% | 218 |
| Noninterest expense to average assets | 3.8699% | 362 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0265% | 2,474 |
| Return on assets (ROA) | 0.8958% | 2,912 |
| Pretax return on assets | 1.1333% | 2,662 |
| Return on Equity (ROE) | 12.0100% | 2,131 |
| Retained earnings to average equity (ytd only) | 9.7481% | 1,230 |
| Net charge-offs to loans | -0.1448% | 4,591 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.6271% | 1,158 |
| Assets per employee ($millions) | 4.1371% | 4,233 |
| Cash dividends to net income (ytd only)* | 18.8235% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3771% | 1,581 |
| 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 | 61.3800% | 2,503 |
| Net loans and leases to deposits | 66.9411% | 2,818 |
| Net loans and leases to core deposits | 69.1423% | 2,937 |
| Total domestic deposits to total assets | 91.6900% | 719 |
| Equity capital to assets | 7.3370% | 3,466 |
| Core capital (leverage) ratio | 8.5678% | 4,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4439% | 1,799 |
| Memoranda: | ||
| Average total assets | $142,329,800 | 3,515 |
| Average earning assets | $120,001,600 | 3,624 |
| Average equity | $10,617,400 | 3,800 |
| Average total loans | $86,300,800 | 3,331 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6734% | 2,114 |
| Cost of funding earning assets | 0.2844% | 2,338 |
| Net interest margin | 3.3890% | 2,008 |
| Noninterest income to average assets | 2.2600% | 231 |
| Noninterest expense to average assets | 3.9694% | 332 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8289% | 3,140 |
| Return on assets (ROA) | 0.7216% | 3,453 |
| Pretax return on assets | 0.9879% | 3,052 |
| Return on Equity (ROE) | 9.6300% | 2,836 |
| Retained earnings to average equity (ytd only) | 9.6332% | 1,449 |
| Net charge-offs to loans | -0.1953% | 4,637 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.6147% | 946 |
| Assets per employee ($millions) | 3.8917% | 4,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4154% | 1,558 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 61.7000% | 2,326 |
| Net loans and leases to deposits | 67.2562% | 2,612 |
| Net loans and leases to core deposits | 68.9246% | 2,728 |
| Total domestic deposits to total assets | 91.7300% | 961 |
| Equity capital to assets | 7.3389% | 3,310 |
| Core capital (leverage) ratio | 7.7497% | 4,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4951% | 2,265 |
| Memoranda: | ||
| Average total assets | $141,712,250 | 3,544 |
| Average earning assets | $117,199,250 | 3,682 |
| Average equity | $10,615,750 | 3,849 |
| Average total loans | $85,353,750 | 3,350 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8136% | 1,284 |
| Cost of funding earning assets | 0.2363% | 2,432 |
| Net interest margin | 3.5772% | 1,110 |
| Noninterest income to average assets | 2.0724% | 222 |
| Noninterest expense to average assets | 4.0057% | 279 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6917% | 3,333 |
| Return on assets (ROA) | 0.5722% | 3,651 |
| Pretax return on assets | 0.7775% | 3,384 |
| Return on Equity (ROE) | 7.5883% | 3,141 |
| Retained earnings to average equity (ytd only) | 7.5883% | 1,773 |
| Net charge-offs to loans | -0.1892% | 4,583 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9292% | 876 |
| Assets per employee ($millions) | 3.8582% | 4,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4017% | 1,741 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 3,712 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 57.3825% | 2,592 |
| Net loans and leases to deposits | 62.4075% | 2,856 |
| Net loans and leases to core deposits | 63.8817% | 2,982 |
| Total domestic deposits to total assets | 91.9481% | 852 |
| Equity capital to assets | 7.1400% | 3,697 |
| Core capital (leverage) ratio | 7.8669% | 4,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2245% | 1,968 |
| Memoranda: | ||
| Average total assets | $142,249,000 | 3,581 |
| Average earning assets | $112,545,000 | 3,779 |
| Average equity | $10,727,000 | 3,907 |
| Average total loans | $84,579,000 | 3,396 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6350% | 1,410 |
| Cost of funding earning assets | 0.2226% | 2,494 |
| Net interest margin | 3.4124% | 1,275 |
| Noninterest income to average assets | 2.2703% | 199 |
| Noninterest expense to average assets | 4.1551% | 250 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5026% | 3,710 |
| Return on assets (ROA) | 0.3798% | 3,964 |
| Pretax return on assets | 0.5312% | 3,813 |
| Return on Equity (ROE) | 4.9003% | 3,652 |
| Retained earnings to average equity (ytd only) | 4.9003% | 2,625 |
| Net charge-offs to loans | -0.2233% | 4,622 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6295% | 755 |
| Assets per employee ($millions) | 3.8417% | 4,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3741% | 2,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3574% | 1,677 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 58.7767% | 2,208 |
| Net loans and leases to deposits | 66.7671% | 2,270 |
| Net loans and leases to core deposits | 67.8295% | 2,467 |
| Total domestic deposits to total assets | 88.0325% | 2,508 |
| Equity capital to assets | 7.5276% | 3,915 |
| Core capital (leverage) ratio | 7.4683% | 4,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8225% | 2,298 |
| Memoranda: | ||
| Average total assets | $140,068,000 | 3,615 |
| Average earning assets | $104,209,500 | 3,882 |
| Average equity | $10,856,500 | 3,964 |
| Average total loans | $84,206,000 | 3,403 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0741% | 1,204 |
| Cost of funding earning assets | 0.2494% | 2,943 |
| Net interest margin | 3.8248% | 957 |
| Noninterest income to average assets | 2.5619% | 225 |
| Noninterest expense to average assets | 3.9723% | 295 |
| Loan and lease loss provision to assets | 0.2736% | 314 |
| Net operating income to assets | 1.3703% | 1,376 |
| Return on assets (ROA) | 1.2410% | 1,830 |
| Pretax return on assets | 1.2410% | 2,548 |
| Return on Equity (ROE) | 14.1065% | 1,154 |
| Retained earnings to average equity (ytd only) | 1.1317% | 4,222 |
| Net charge-offs to loans | -0.0827% | 4,524 |
| Credit loss provision to net charge-offs | -465.3333% | 3,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8492% | 1,752 |
| Assets per employee ($millions) | 3.2091% | 4,654 |
| Cash dividends to net income (ytd only)* | 91.9773% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 2,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3681% | 1,749 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 59.8465% | 2,175 |
| Net loans and leases to deposits | 68.3427% | 2,278 |
| Net loans and leases to core deposits | 70.0535% | 2,438 |
| Total domestic deposits to total assets | 87.5682% | 2,252 |
| Equity capital to assets | 7.9808% | 4,372 |
| Core capital (leverage) ratio | 8.1298% | 4,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5830% | 2,421 |
| Memoranda: | ||
| Average total assets | $127,559,400 | 3,708 |
| Average earning assets | $101,862,000 | 3,890 |
| Average equity | $11,221,800 | 4,013 |
| Average total loans | $90,661,600 | 3,327 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 1,245 |
| Cost of funding earning assets | 0.2515% | 3,110 |
| Net interest margin | 3.8737% | 983 |
| Noninterest income to average assets | 2.7263% | 224 |
| Noninterest expense to average assets | 4.0143% | 277 |
| Loan and lease loss provision to assets | 0.3721% | 185 |
| Net operating income to assets | 1.5771% | 1,084 |
| Return on assets (ROA) | 1.3616% | 1,709 |
| Pretax return on assets | 1.3616% | 2,459 |
| Return on Equity (ROE) | 15.0904% | 1,121 |
| Retained earnings to average equity (ytd only) | 8.3257% | 1,941 |
| Net charge-offs to loans | -0.1082% | 4,643 |
| Credit loss provision to net charge-offs | -465.3333% | 3,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4341% | 2,041 |
| Assets per employee ($millions) | 3.1477% | 4,725 |
| Cash dividends to net income (ytd only)* | 44.8276% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 2,767 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4035% | 1,838 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 70.3858% | 1,046 |
| Net loans and leases to deposits | 82.0214% | 1,119 |
| Net loans and leases to core deposits | 84.4893% | 1,389 |
| Total domestic deposits to total assets | 85.8140% | 2,817 |
| Equity capital to assets | 9.2196% | 3,636 |
| Core capital (leverage) ratio | 9.0879% | 3,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1366% | 1,918 |
| Memoranda: | ||
| Average total assets | $124,951,000 | 3,781 |
| Average earning assets | $104,428,000 | 3,906 |
| Average equity | $11,274,000 | 4,061 |
| Average total loans | $92,401,750 | 3,346 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3206% | 968 |
| Cost of funding earning assets | 0.2699% | 3,090 |
| Net interest margin | 4.0507% | 753 |
| Noninterest income to average assets | 2.8644% | 204 |
| Noninterest expense to average assets | 4.0904% | 269 |
| Loan and lease loss provision to assets | 0.5280% | 96 |
| Net operating income to assets | 1.7138% | 852 |
| Return on assets (ROA) | 1.4795% | 1,411 |
| Pretax return on assets | 1.4795% | 2,080 |
| Return on Equity (ROE) | 16.5194% | 857 |
| Retained earnings to average equity (ytd only) | 8.9584% | 1,722 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6847% | 2,472 |
| Assets per employee ($millions) | 3.1073% | 4,767 |
| Cash dividends to net income (ytd only)* | 45.7701% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 3,441 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4192% | 1,933 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 76.2409% | 567 |
| Net loans and leases to deposits | 89.2451% | 698 |
| Net loans and leases to core deposits | 92.1385% | 998 |
| Total domestic deposits to total assets | 85.4286% | 2,929 |
| Equity capital to assets | 9.4271% | 3,404 |
| Core capital (leverage) ratio | 8.9865% | 3,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8895% | 2,005 |
| Memoranda: | ||
| Average total assets | $124,632,667 | 3,801 |
| Average earning assets | $106,697,333 | 3,906 |
| Average equity | $11,162,667 | 4,081 |
| Average total loans | $93,290,000 | 3,349 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3227% | 1,010 |
| Cost of funding earning assets | 0.2980% | 3,017 |
| Net interest margin | 4.0247% | 815 |
| Noninterest income to average assets | 3.1656% | 189 |
| Noninterest expense to average assets | 3.8589% | 319 |
| Loan and lease loss provision to assets | 1.0035% | 42 |
| Net operating income to assets | 1.7664% | 836 |
| Return on assets (ROA) | 1.5068% | 1,375 |
| Pretax return on assets | 1.5068% | 1,972 |
| Return on Equity (ROE) | 17.2589% | 811 |
| Retained earnings to average equity (ytd only) | 6.7078% | 2,661 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2588% | 3,399 |
| Assets per employee ($millions) | 3.5038% | 4,691 |
| Cash dividends to net income (ytd only)* | 61.1345% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0606% | 3,613 |
| Loan loss allowance to noncurrent loans | 135.3887% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.9942% | 832 |
| Noncurrent loans to loans | 0.7834% | 1,682 |
| Net loans and leases to total assets | 74.6948% | 746 |
| Net loans and leases to deposits | 85.7298% | 979 |
| Net loans and leases to core deposits | 92.9960% | 1,044 |
| Total domestic deposits to total assets | 87.1282% | 2,265 |
| Equity capital to assets | 8.7976% | 3,878 |
| Core capital (leverage) ratio | 8.2048% | 4,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9735% | 2,296 |
| Memoranda: | ||
| Average total assets | $126,357,500 | 3,778 |
| Average earning assets | $108,728,500 | 3,884 |
| Average equity | $11,032,000 | 4,106 |
| Average total loans | $93,228,500 | 3,360 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2098% | 2,107 |
| Cost of funding earning assets | 0.4152% | 3,492 |
| Net interest margin | 3.7946% | 1,514 |
| Noninterest income to average assets | 3.4383% | 161 |
| Noninterest expense to average assets | 5.0831% | 187 |
| Loan and lease loss provision to assets | -0.1770% | 4,978 |
| Net operating income to assets | 1.9527% | 286 |
| Return on assets (ROA) | 1.7873% | 433 |
| Pretax return on assets | 1.7873% | 703 |
| Return on Equity (ROE) | 18.9131% | 284 |
| Retained earnings to average equity (ytd only) | 7.8742% | 1,091 |
| Net charge-offs to loans | -0.0167% | 4,382 |
| Credit loss provision to net charge-offs | 1,428.5714% | 583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0908% | 1,558 |
| Assets per employee ($millions) | 3.8357% | 4,479 |
| Cash dividends to net income (ytd only)* | 58.3663% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7596% | 4,498 |
| Loan loss allowance to noncurrent loans | 92.8954% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 0.9907% | 962 |
| Noncurrent loans to loans | 0.8177% | 1,712 |
| Net loans and leases to total assets | 71.5261% | 1,358 |
| Net loans and leases to deposits | 82.3678% | 1,621 |
| Net loans and leases to core deposits | 89.3381% | 1,579 |
| Total domestic deposits to total assets | 86.8375% | 2,014 |
| Equity capital to assets | 8.6642% | 4,328 |
| Core capital (leverage) ratio | 8.8506% | 3,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9093% | 2,277 |
| Memoranda: | ||
| Average total assets | $113,020,800 | 3,843 |
| Average earning assets | $101,882,200 | 3,873 |
| Average equity | $10,680,400 | 4,124 |
| Average total loans | $84,061,800 | 3,499 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4190% | 1,808 |
| Cost of funding earning assets | 0.4520% | 3,519 |
| Net interest margin | 3.9670% | 1,189 |
| Noninterest income to average assets | 3.4709% | 156 |
| Noninterest expense to average assets | 5.2222% | 171 |
| Loan and lease loss provision to assets | -0.2435% | 5,016 |
| Net operating income to assets | 2.1319% | 229 |
| Return on assets (ROA) | 1.9507% | 361 |
| Pretax return on assets | 1.9507% | 569 |
| Return on Equity (ROE) | 20.1590% | 234 |
| Retained earnings to average equity (ytd only) | 10.9592% | 583 |
| Net charge-offs to loans | -0.0940% | 4,815 |
| Credit loss provision to net charge-offs | 344.8276% | 1,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4303% | 1,590 |
| Assets per employee ($millions) | 3.4277% | 4,690 |
| Cash dividends to net income (ytd only)* | 45.6359% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8027% | 4,358 |
| Loan loss allowance to noncurrent loans | 614.1667% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.5389% | 2,089 |
| Noncurrent loans to loans | 0.1307% | 3,862 |
| Net loans and leases to total assets | 78.1454% | 814 |
| Net loans and leases to deposits | 91.0584% | 1,154 |
| Net loans and leases to core deposits | 99.5845% | 1,184 |
| Total domestic deposits to total assets | 85.8190% | 2,144 |
| Equity capital to assets | 9.4489% | 3,723 |
| Core capital (leverage) ratio | 9.2561% | 3,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9507% | 1,845 |
| Memoranda: | ||
| Average total assets | $109,631,250 | 3,881 |
| Average earning assets | $100,594,000 | 3,882 |
| Average equity | $10,608,750 | 4,139 |
| Average total loans | $82,269,750 | 3,537 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8941% | 985 |
| Cost of funding earning assets | 0.5291% | 3,356 |
| Net interest margin | 4.3650% | 657 |
| Noninterest income to average assets | 3.2424% | 147 |
| Noninterest expense to average assets | 4.7891% | 213 |
| Loan and lease loss provision to assets | -0.3727% | 5,050 |
| Net operating income to assets | 2.8231% | 101 |
| Return on assets (ROA) | 2.5883% | 133 |
| Pretax return on assets | 2.5883% | 182 |
| Return on Equity (ROE) | 26.5220% | 93 |
| Retained earnings to average equity (ytd only) | 20.1636% | 88 |
| Net charge-offs to loans | -0.1846% | 4,933 |
| Credit loss provision to net charge-offs | 273.9726% | 1,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1480% | 2,643 |
| Assets per employee ($millions) | 3.1115% | 4,820 |
| Cash dividends to net income (ytd only)* | 23.9741% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8299% | 4,260 |
| Loan loss allowance to noncurrent loans | 124.9169% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.5880% | 2,051 |
| Noncurrent loans to loans | 0.6644% | 2,200 |
| Net loans and leases to total assets | 78.0521% | 843 |
| Net loans and leases to deposits | 91.2617% | 1,236 |
| Net loans and leases to core deposits | 99.9422% | 1,258 |
| Total domestic deposits to total assets | 85.5256% | 2,190 |
| Equity capital to assets | 9.7075% | 3,467 |
| Core capital (leverage) ratio | 9.4920% | 3,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3857% | 1,667 |
| Memoranda: | ||
| Average total assets | $107,327,333 | 3,902 |
| Average earning assets | $98,282,333 | 3,903 |
| Average equity | $10,474,333 | 4,171 |
| Average total loans | $79,089,667 | 3,593 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1628% | 3,346 |
| Cost of funding earning assets | 0.7391% | 2,727 |
| Net interest margin | 3.4237% | 3,230 |
| Noninterest income to average assets | 2.8658% | 164 |
| Noninterest expense to average assets | 4.7415% | 256 |
| Loan and lease loss provision to assets | -0.7735% | 5,103 |
| Net operating income to assets | 2.0149% | 261 |
| Return on assets (ROA) | 1.7403% | 513 |
| Pretax return on assets | 1.7403% | 791 |
| Return on Equity (ROE) | 17.7804% | 287 |
| Retained earnings to average equity (ytd only) | 8.6136% | 1,079 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9573% | 1,340 |
| Assets per employee ($millions) | 2.5483% | 4,941 |
| Cash dividends to net income (ytd only)* | 51.5556% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8906% | 4,142 |
| Loan loss allowance to noncurrent loans | 112.7907% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.6963% | 1,924 |
| Noncurrent loans to loans | 0.7896% | 2,038 |
| Net loans and leases to total assets | 76.0311% | 1,297 |
| Net loans and leases to deposits | 86.1321% | 1,980 |
| Net loans and leases to core deposits | 96.5599% | 1,745 |
| Total domestic deposits to total assets | 88.2726% | 987 |
| Equity capital to assets | 10.3026% | 3,517 |
| Core capital (leverage) ratio | 9.3514% | 4,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6604% | 2,413 |
| Memoranda: | ||
| Average total assets | $103,427,500 | 3,939 |
| Average earning assets | $94,166,500 | 3,962 |
| Average equity | $10,123,500 | 4,227 |
| Average total loans | $73,329,000 | 3,695 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2569% | 3,658 |
| Cost of funding earning assets | 0.8862% | 2,255 |
| Net interest margin | 3.3707% | 3,823 |
| Noninterest income to average assets | 3.0692% | 145 |
| Noninterest expense to average assets | 5.0046% | 216 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1358% | 2,306 |
| Return on assets (ROA) | 0.8730% | 3,395 |
| Pretax return on assets | 0.8730% | 3,816 |
| Return on Equity (ROE) | 8.9244% | 2,786 |
| Retained earnings to average equity (ytd only) | 0.2840% | 4,611 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2423% | 924 |
| Assets per employee ($millions) | 2.9046% | 4,865 |
| Cash dividends to net income (ytd only)* | 96.8182% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 2,182 |
| Loan loss allowance to noncurrent loans | 145.7711% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.7295% | 1,777 |
| Noncurrent loans to loans | 0.8563% | 1,799 |
| Net loans and leases to total assets | 64.7034% | 3,106 |
| Net loans and leases to deposits | 72.1229% | 3,515 |
| Net loans and leases to core deposits | 83.8929% | 2,957 |
| Total domestic deposits to total assets | 89.7127% | 420 |
| Equity capital to assets | 9.3122% | 4,483 |
| Core capital (leverage) ratio | 9.5672% | 3,994 |
| Tier 1 risk-based capital ratio | 12.9106% | 3,837 |
| Total risk-based capital ratio | 14.0926% | 3,760 |
| Memoranda: | ||
| Average total assets | $100,807,400 | 3,991 |
| Average earning assets | $91,849,800 | 4,017 |
| Average equity | $9,860,600 | 4,259 |
| Average total loans | $70,337,000 | 3,770 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3107% | 3,625 |
| Cost of funding earning assets | 0.9300% | 2,082 |
| Net interest margin | 3.3807% | 3,909 |
| Noninterest income to average assets | 3.1725% | 148 |
| Noninterest expense to average assets | 5.0351% | 206 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2319% | 2,091 |
| Return on assets (ROA) | 0.8970% | 3,431 |
| Pretax return on assets | 0.8970% | 3,878 |
| Return on Equity (ROE) | 9.0527% | 2,868 |
| Retained earnings to average equity (ytd only) | -0.6379% | 4,821 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0773% | 1,005 |
| Assets per employee ($millions) | 2.6389% | 5,034 |
| Cash dividends to net income (ytd only)* | 107.0470% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 2,353 |
| Loan loss allowance to noncurrent loans | 146.0133% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 1.5137% | 726 |
| Noncurrent loans to loans | 0.8400% | 1,899 |
| Net loans and leases to total assets | 72.4949% | 2,085 |
| Net loans and leases to deposits | 81.8010% | 2,712 |
| Net loans and leases to core deposits | 100.6870% | 1,610 |
| Total domestic deposits to total assets | 88.6235% | 771 |
| Equity capital to assets | 10.1721% | 3,853 |
| Core capital (leverage) ratio | 9.7797% | 3,878 |
| Tier 1 risk-based capital ratio | 12.6601% | 4,050 |
| Total risk-based capital ratio | 13.8322% | 3,968 |
| Memoranda: | ||
| Average total assets | $99,141,250 | 4,058 |
| Average earning assets | $90,747,750 | 4,078 |
| Average equity | $9,823,750 | 4,310 |
| Average total loans | $70,317,000 | 3,810 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2681% | 3,735 |
| Cost of funding earning assets | 0.9575% | 1,876 |
| Net interest margin | 3.3106% | 4,118 |
| Noninterest income to average assets | 2.9526% | 159 |
| Noninterest expense to average assets | 4.9578% | 224 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0277% | 2,813 |
| Return on assets (ROA) | 0.7166% | 4,008 |
| Pretax return on assets | 0.7166% | 4,294 |
| Return on Equity (ROE) | 7.2949% | 3,569 |
| Retained earnings to average equity (ytd only) | -4.4750% | 5,035 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5225% | 836 |
| Assets per employee ($millions) | 2.7586% | 5,037 |
| Cash dividends to net income (ytd only)* | 161.3445% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 2,341 |
| Loan loss allowance to noncurrent loans | 162.7778% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 1.4258% | 813 |
| Noncurrent loans to loans | 0.7579% | 2,086 |
| Net loans and leases to total assets | 70.8582% | 2,414 |
| Net loans and leases to deposits | 79.6491% | 2,994 |
| Net loans and leases to core deposits | 96.7445% | 2,001 |
| Total domestic deposits to total assets | 88.9630% | 677 |
| Equity capital to assets | 9.8247% | 4,115 |
| Core capital (leverage) ratio | 9.8855% | 3,720 |
| Tier 1 risk-based capital ratio | 12.5389% | 4,102 |
| Total risk-based capital ratio | 13.7233% | 4,027 |
| Memoranda: | ||
| Average total assets | $99,641,670 | 4,074 |
| Average earning assets | $91,281,330 | 4,090 |
| Average equity | $9,787,670 | 4,330 |
| Average total loans | $69,868,330 | 3,842 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2893% | 3,594 |
| Cost of funding earning assets | 1.0152% | 1,505 |
| Net interest margin | 3.2741% | 4,220 |
| Noninterest income to average assets | 2.6571% | 175 |
| Noninterest expense to average assets | 4.6049% | 265 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0380% | 2,702 |
| Return on assets (ROA) | 0.7535% | 3,808 |
| Pretax return on assets | 0.7535% | 4,166 |
| Return on Equity (ROE) | 7.6711% | 3,394 |
| Retained earnings to average equity (ytd only) | -10.2010% | 5,113 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2557% | 1,039 |
| Assets per employee ($millions) | 2.5864% | 5,155 |
| Cash dividends to net income (ytd only)* | 232.9787% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2420% | 2,373 |
| Loan loss allowance to noncurrent loans | 154.7535% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 1.5089% | 794 |
| Noncurrent loans to loans | 0.8026% | 2,034 |
| Net loans and leases to total assets | 73.0360% | 1,970 |
| Net loans and leases to deposits | 82.2689% | 2,587 |
| Net loans and leases to core deposits | 100.7655% | 1,550 |
| Total domestic deposits to total assets | 88.7772% | 967 |
| Equity capital to assets | 10.1371% | 3,686 |
| Core capital (leverage) ratio | 9.0120% | 4,647 |
| Tier 1 risk-based capital ratio | 12.7774% | 3,992 |
| Total risk-based capital ratio | 13.9898% | 3,916 |
| Memoranda: | ||
| Average total assets | $99,807,000 | 4,111 |
| Average earning assets | $91,016,500 | 4,125 |
| Average equity | $9,803,000 | 4,355 |
| Average total loans | $69,178,000 | 3,880 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2710% | 3,213 |
| Cost of funding earning assets | 0.7213% | 1,948 |
| Net interest margin | 3.5496% | 3,546 |
| Noninterest income to average assets | 2.9637% | 154 |
| Noninterest expense to average assets | 4.7742% | 243 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3828% | 1,488 |
| Return on assets (ROA) | 1.1972% | 2,182 |
| Pretax return on assets | 1.1972% | 2,893 |
| Return on Equity (ROE) | 11.7323% | 1,805 |
| Retained earnings to average equity (ytd only) | -0.4212% | 5,033 |
| Net charge-offs to loans | 0.6053% | 281 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 2.9774% | 3,469 |
| Efficiency ratio | 76.2132% | 1,328 |
| Assets per employee ($millions) | 2.7346% | 5,123 |
| Cash dividends to net income (ytd only)* | 103.5902% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3006% | 2,035 |
| Loan loss allowance to noncurrent loans | 117.8284% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 1.5609% | 734 |
| Noncurrent loans to loans | 1.1038% | 1,471 |
| Net loans and leases to total assets | 64.1903% | 3,334 |
| Net loans and leases to deposits | 71.7132% | 3,694 |
| Net loans and leases to core deposits | 86.2054% | 2,898 |
| Total domestic deposits to total assets | 89.5098% | 656 |
| Equity capital to assets | 9.5317% | 4,101 |
| Core capital (leverage) ratio | 9.7562% | 3,852 |
| Tier 1 risk-based capital ratio | 13.4943% | 3,550 |
| Total risk-based capital ratio | 14.7419% | 3,462 |
| Memoranda: | ||
| Average total assets | $95,388,600 | 4,177 |
| Average earning assets | $85,812,200 | 4,222 |
| Average equity | $9,733,800 | 4,342 |
| Average total loans | $73,183,000 | 3,805 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3260% | 2,861 |
| Cost of funding earning assets | 0.6741% | 2,007 |
| Net interest margin | 3.6519% | 3,197 |
| Noninterest income to average assets | 2.8065% | 175 |
| Noninterest expense to average assets | 4.8095% | 234 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2810% | 1,924 |
| Return on assets (ROA) | 1.0737% | 2,778 |
| Pretax return on assets | 1.0737% | 3,488 |
| Return on Equity (ROE) | 10.3324% | 2,465 |
| Retained earnings to average equity (ytd only) | -4.1687% | 5,289 |
| Net charge-offs to loans | 0.8938% | 160 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 1.7920% | 3,312 |
| Efficiency ratio | 77.5822% | 1,162 |
| Assets per employee ($millions) | 2.6477% | 5,234 |
| Cash dividends to net income (ytd only)* | 140.3461% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1841% | 2,718 |
| Loan loss allowance to noncurrent loans | 60.3968% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 2.3662% | 386 |
| Noncurrent loans to loans | 1.9605% | 764 |
| Net loans and leases to total assets | 70.0250% | 2,641 |
| Net loans and leases to deposits | 78.5931% | 3,179 |
| Net loans and leases to core deposits | 96.4662% | 2,071 |
| Total domestic deposits to total assets | 89.0981% | 817 |
| Equity capital to assets | 9.7923% | 3,824 |
| Core capital (leverage) ratio | 10.3043% | 3,287 |
| Tier 1 risk-based capital ratio | 12.5465% | 4,187 |
| Total risk-based capital ratio | 13.6668% | 4,133 |
| Memoranda: | ||
| Average total assets | $93,256,750 | 4,255 |
| Average earning assets | $83,862,250 | 4,299 |
| Average equity | $9,691,000 | 4,388 |
| Average total loans | $74,583,000 | 3,818 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3992% | 2,416 |
| Cost of funding earning assets | 0.7040% | 1,603 |
| Net interest margin | 3.6952% | 2,947 |
| Noninterest income to average assets | 2.9186% | 169 |
| Noninterest expense to average assets | 4.8338% | 233 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3939% | 1,465 |
| Return on assets (ROA) | 1.1583% | 2,359 |
| Pretax return on assets | 1.1583% | 3,105 |
| Return on Equity (ROE) | 10.9218% | 2,141 |
| Retained earnings to average equity (ytd only) | -6.0471% | 5,331 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2522% | 1,397 |
| Assets per employee ($millions) | 2.2196% | 5,412 |
| Cash dividends to net income (ytd only)* | 155.3672% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7936% | 764 |
| Loan loss allowance to noncurrent loans | 57.5283% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 3.7601% | 162 |
| Noncurrent loans to loans | 3.1178% | 349 |
| Net loans and leases to total assets | 83.6171% | 510 |
| Net loans and leases to deposits | 95.4795% | 1,200 |
| Net loans and leases to core deposits | 113.0082% | 836 |
| Total domestic deposits to total assets | 87.5760% | 1,603 |
| Equity capital to assets | 11.1291% | 2,524 |
| Core capital (leverage) ratio | 10.2658% | 3,271 |
| Tier 1 risk-based capital ratio | 12.3369% | 4,284 |
| Total risk-based capital ratio | 13.6021% | 4,161 |
| Memoranda: | ||
| Average total assets | $91,687,330 | 4,325 |
| Average earning assets | $82,106,000 | 4,361 |
| Average equity | $9,723,670 | 4,422 |
| Average total loans | $76,303,330 | 3,797 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4156% | 2,143 |
| Cost of funding earning assets | 0.7312% | 1,280 |
| Net interest margin | 3.6844% | 2,861 |
| Noninterest income to average assets | 2.7841% | 171 |
| Noninterest expense to average assets | 4.5412% | 283 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5364% | 990 |
| Return on assets (ROA) | 1.3454% | 1,506 |
| Pretax return on assets | 1.3454% | 2,202 |
| Return on Equity (ROE) | 12.9805% | 1,266 |
| Retained earnings to average equity (ytd only) | -15.5193% | 5,462 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3939% | 1,984 |
| Assets per employee ($millions) | 2.8531% | 5,251 |
| Cash dividends to net income (ytd only)* | 219.5584% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7486% | 866 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0164% | 1,546 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 78.8969% | 1,100 |
| Net loans and leases to deposits | 89.3727% | 1,767 |
| Net loans and leases to core deposits | 113.6451% | 821 |
| Total domestic deposits to total assets | 88.2785% | 1,472 |
| Equity capital to assets | 10.1357% | 3,467 |
| Core capital (leverage) ratio | 9.3990% | 4,193 |
| Tier 1 risk-based capital ratio | 11.9393% | 4,580 |
| Total risk-based capital ratio | 13.2036% | 4,469 |
| Memoranda: | ||
| Average total assets | $94,248,000 | 4,319 |
| Average earning assets | $84,247,000 | 4,371 |
| Average equity | $9,768,500 | 4,461 |
| Average total loans | $77,602,000 | 3,795 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2845% | 2,382 |
| Cost of funding earning assets | 0.5965% | 1,619 |
| Net interest margin | 3.6880% | 2,844 |
| Noninterest income to average assets | 2.4336% | 225 |
| Noninterest expense to average assets | 4.3396% | 359 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4297% | 948 |
| Return on assets (ROA) | 1.2603% | 1,351 |
| Pretax return on assets | 1.2603% | 2,506 |
| Return on Equity (ROE) | 12.1204% | 1,176 |
| Retained earnings to average equity (ytd only) | 4.0333% | 2,765 |
| Net charge-offs to loans | -0.0051% | 4,644 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7498% | 1,931 |
| Assets per employee ($millions) | 4.9655% | 2,522 |
| Cash dividends to net income (ytd only)* | 66.7234% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6608% | 1,011 |
| Loan loss allowance to noncurrent loans | 1,421.5054% | 468 |
| Noncurrent assets plus other real estate owned to assets | 1.1129% | 1,353 |
| Noncurrent loans to loans | 0.1168% | 4,458 |
| Net loans and leases to total assets | 82.9698% | 567 |
| Net loans and leases to deposits | 95.7470% | 1,110 |
| Net loans and leases to core deposits | 113.2726% | 829 |
| Total domestic deposits to total assets | 86.6552% | 2,171 |
| Equity capital to assets | 10.5931% | 3,059 |
| Core capital (leverage) ratio | 10.1265% | 3,277 |
| Tier 1 risk-based capital ratio | 12.0907% | 4,470 |
| Total risk-based capital ratio | 13.3548% | 4,355 |
| Memoranda: | ||
| Average total assets | $93,235,400 | 4,367 |
| Average earning assets | $84,327,800 | 4,396 |
| Average equity | $9,694,400 | 4,498 |
| Average total loans | $78,471,600 | 3,781 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1968% | 2,630 |
| Cost of funding earning assets | 0.5779% | 1,685 |
| Net interest margin | 3.6189% | 3,073 |
| Noninterest income to average assets | 2.3537% | 242 |
| Noninterest expense to average assets | 4.3574% | 352 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2837% | 1,392 |
| Return on assets (ROA) | 1.1274% | 2,029 |
| Pretax return on assets | 1.1274% | 3,197 |
| Return on Equity (ROE) | 10.8942% | 1,745 |
| Retained earnings to average equity (ytd only) | 1.8019% | 4,707 |
| Net charge-offs to loans | -0.0068% | 4,531 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7437% | 1,627 |
| Assets per employee ($millions) | 4.8978% | 2,575 |
| Cash dividends to net income (ytd only)* | 83.4604% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6509% | 1,130 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0284% | 1,640 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 84.6280% | 376 |
| Net loans and leases to deposits | 98.9123% | 833 |
| Net loans and leases to core deposits | 118.3008% | 642 |
| Total domestic deposits to total assets | 85.5586% | 2,495 |
| Equity capital to assets | 10.4923% | 3,384 |
| Core capital (leverage) ratio | 9.9434% | 3,637 |
| Tier 1 risk-based capital ratio | 11.7777% | 4,787 |
| Total risk-based capital ratio | 13.0390% | 4,642 |
| Memoranda: | ||
| Average total assets | $92,958,250 | 4,409 |
| Average earning assets | $84,443,000 | 4,434 |
| Average equity | $9,619,500 | 4,551 |
| Average total loans | $78,189,750 | 3,818 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0481% | 3,016 |
| Cost of funding earning assets | 0.5546% | 1,747 |
| Net interest margin | 3.4935% | 3,425 |
| Noninterest income to average assets | 2.3460% | 246 |
| Noninterest expense to average assets | 4.2766% | 387 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2419% | 1,471 |
| Return on assets (ROA) | 1.0568% | 2,216 |
| Pretax return on assets | 1.0568% | 3,351 |
| Return on Equity (ROE) | 10.2598% | 1,929 |
| Retained earnings to average equity (ytd only) | -0.7940% | 5,205 |
| Net charge-offs to loans | -0.0103% | 4,547 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9750% | 1,721 |
| Assets per employee ($millions) | 4.6654% | 2,838 |
| Cash dividends to net income (ytd only)* | 107.7393% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6616% | 1,125 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0471% | 1,676 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 83.8544% | 463 |
| Net loans and leases to deposits | 101.9666% | 611 |
| Net loans and leases to core deposits | 121.1251% | 509 |
| Total domestic deposits to total assets | 82.2371% | 3,821 |
| Equity capital to assets | 10.2940% | 3,575 |
| Core capital (leverage) ratio | 10.0029% | 3,532 |
| Tier 1 risk-based capital ratio | 11.4392% | 4,995 |
| Total risk-based capital ratio | 12.7020% | 4,884 |
| Memoranda: | ||
| Average total assets | $92,924,670 | 4,439 |
| Average earning assets | $84,385,670 | 4,456 |
| Average equity | $9,571,330 | 4,582 |
| Average total loans | $77,561,000 | 3,853 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0131% | 2,986 |
| Cost of funding earning assets | 0.5259% | 1,892 |
| Net interest margin | 3.4872% | 3,320 |
| Noninterest income to average assets | 2.1438% | 289 |
| Noninterest expense to average assets | 4.2229% | 417 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0956% | 1,891 |
| Return on assets (ROA) | 0.9662% | 2,505 |
| Pretax return on assets | 0.9662% | 3,511 |
| Return on Equity (ROE) | 9.3778% | 2,246 |
| Retained earnings to average equity (ytd only) | -7.4101% | 5,505 |
| Net charge-offs to loans | -0.0052% | 4,199 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7778% | 1,660 |
| Assets per employee ($millions) | 4.5953% | 3,010 |
| Cash dividends to net income (ytd only)* | 179.0179% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7021% | 1,138 |
| Loan loss allowance to noncurrent loans | 1,465.5556% | 444 |
| Noncurrent assets plus other real estate owned to assets | 1.1610% | 1,521 |
| Noncurrent loans to loans | 0.1161% | 4,728 |
| Net loans and leases to total assets | 82.8823% | 476 |
| Net loans and leases to deposits | 100.3227% | 596 |
| Net loans and leases to core deposits | 115.3717% | 615 |
| Total domestic deposits to total assets | 82.6157% | 3,968 |
| Equity capital to assets | 10.3063% | 3,400 |
| Core capital (leverage) ratio | 9.5865% | 4,020 |
| Tier 1 risk-based capital ratio | 11.6428% | 4,950 |
| Total risk-based capital ratio | 12.9031% | 4,840 |
| Memoranda: | ||
| Average total assets | $92,733,500 | 4,486 |
| Average earning assets | $84,424,000 | 4,504 |
| Average equity | $9,554,500 | 4,612 |
| Average total loans | $76,559,500 | 3,895 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9957% | 3,208 |
| Cost of funding earning assets | 0.5278% | 1,885 |
| Net interest margin | 3.4679% | 3,554 |
| Noninterest income to average assets | 1.6317% | 456 |
| Noninterest expense to average assets | 3.7697% | 806 |
| Loan and lease loss provision to assets | 0.0544% | 3,293 |
| Net operating income to assets | 0.8904% | 2,875 |
| Return on assets (ROA) | 0.8273% | 3,275 |
| Pretax return on assets | 0.8273% | 4,104 |
| Return on Equity (ROE) | 8.0318% | 2,915 |
| Retained earnings to average equity (ytd only) | 2.5364% | 4,073 |
| Net charge-offs to loans | 0.1945% | 1,421 |
| Credit loss provision to net charge-offs | 35.7143% | 3,542 |
| Earnings coverage of net charge-offs (x) | 6.2000% | 3,216 |
| Efficiency ratio | 78.7578% | 1,581 |
| Assets per employee ($millions) | 4.6781% | 2,829 |
| Cash dividends to net income (ytd only)* | 68.4211% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7428% | 1,053 |
| Loan loss allowance to noncurrent loans | 340.5685% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 1.5647% | 1,035 |
| Noncurrent loans to loans | 0.5117% | 3,313 |
| Net loans and leases to total assets | 79.4222% | 972 |
| Net loans and leases to deposits | 91.1253% | 1,557 |
| Net loans and leases to core deposits | 102.8683% | 1,373 |
| Total domestic deposits to total assets | 87.1572% | 2,053 |
| Equity capital to assets | 10.3001% | 3,386 |
| Core capital (leverage) ratio | 10.2664% | 3,148 |
| Tier 1 risk-based capital ratio | 12.2151% | 4,566 |
| Total risk-based capital ratio | 13.4748% | 4,437 |
| Memoranda: | ||
| Average total assets | $91,865,200 | 4,514 |
| Average earning assets | $81,663,800 | 4,553 |
| Average equity | $9,462,400 | 4,662 |
| Average total loans | $71,986,800 | 3,996 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0131% | 3,178 |
| Cost of funding earning assets | 0.5335% | 1,849 |
| Net interest margin | 3.4796% | 3,541 |
| Noninterest income to average assets | 1.2992% | 684 |
| Noninterest expense to average assets | 3.4965% | 1,154 |
| Loan and lease loss provision to assets | 0.0729% | 2,755 |
| Net operating income to assets | 0.8107% | 3,320 |
| Return on assets (ROA) | 0.7480% | 3,744 |
| Pretax return on assets | 0.7480% | 4,478 |
| Return on Equity (ROE) | 7.2619% | 3,420 |
| Retained earnings to average equity (ytd only) | -0.0991% | 5,371 |
| Net charge-offs to loans | 0.0638% | 2,442 |
| Credit loss provision to net charge-offs | 147.0588% | 1,796 |
| Earnings coverage of net charge-offs (x) | 17.8244% | 2,035 |
| Efficiency ratio | 78.7284% | 1,590 |
| Assets per employee ($millions) | 4.5245% | 3,047 |
| Cash dividends to net income (ytd only)* | 101.3655% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9996% | 729 |
| Loan loss allowance to noncurrent loans | 265.1769% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 1.7593% | 948 |
| Noncurrent loans to loans | 0.7540% | 2,784 |
| Net loans and leases to total assets | 77.1268% | 1,341 |
| Net loans and leases to deposits | 89.8455% | 1,778 |
| Net loans and leases to core deposits | 102.0649% | 1,475 |
| Total domestic deposits to total assets | 85.8437% | 2,433 |
| Equity capital to assets | 10.4984% | 3,568 |
| Core capital (leverage) ratio | 9.7588% | 3,862 |
| Tier 1 risk-based capital ratio | 12.6470% | 4,372 |
| Total risk-based capital ratio | 13.9101% | 4,274 |
| Memoranda: | ||
| Average total assets | $91,441,000 | 4,557 |
| Average earning assets | $80,966,000 | 4,603 |
| Average equity | $9,418,750 | 4,717 |
| Average total loans | $71,076,750 | 4,044 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9986% | 3,252 |
| Cost of funding earning assets | 0.5103% | 2,024 |
| Net interest margin | 3.4883% | 3,531 |
| Noninterest income to average assets | 0.8239% | 1,633 |
| Noninterest expense to average assets | 3.0166% | 2,290 |
| Loan and lease loss provision to assets | 0.1090% | 2,047 |
| Net operating income to assets | 0.7825% | 3,391 |
| Return on assets (ROA) | 0.7215% | 3,845 |
| Pretax return on assets | 0.7215% | 4,553 |
| Return on Equity (ROE) | 7.0488% | 3,512 |
| Retained earnings to average equity (ytd only) | -0.6176% | 5,383 |
| Net charge-offs to loans | 0.0985% | 1,854 |
| Credit loss provision to net charge-offs | 142.8571% | 1,652 |
| Earnings coverage of net charge-offs (x) | 11.6857% | 2,242 |
| Efficiency ratio | 76.4640% | 2,014 |
| Assets per employee ($millions) | 4.8893% | 2,429 |
| Cash dividends to net income (ytd only)* | 108.7613% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9936% | 747 |
| Loan loss allowance to noncurrent loans | 218.2515% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 1.8386% | 922 |
| Noncurrent loans to loans | 0.9134% | 2,456 |
| Net loans and leases to total assets | 75.3057% | 1,591 |
| Net loans and leases to deposits | 99.2143% | 763 |
| Net loans and leases to core deposits | 118.1250% | 564 |
| Total domestic deposits to total assets | 75.9021% | 5,301 |
| Equity capital to assets | 10.2190% | 3,952 |
| Core capital (leverage) ratio | 9.8167% | 3,792 |
| Tier 1 risk-based capital ratio | 12.5301% | 4,495 |
| Total risk-based capital ratio | 13.7933% | 4,403 |
| Memoranda: | ||
| Average total assets | $91,758,000 | 4,589 |
| Average earning assets | $81,129,330 | 4,639 |
| Average equity | $9,391,670 | 4,758 |
| Average total loans | $71,030,330 | 4,065 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0367% | 3,084 |
| Cost of funding earning assets | 0.4830% | 2,247 |
| Net interest margin | 3.5537% | 3,258 |
| Noninterest income to average assets | 0.2632% | 4,847 |
| Noninterest expense to average assets | 2.5617% | 3,877 |
| Loan and lease loss provision to assets | 0.1316% | 1,604 |
| Net operating income to assets | 0.7325% | 3,571 |
| Return on assets (ROA) | 0.7325% | 3,679 |
| Pretax return on assets | 0.7325% | 4,408 |
| Return on Equity (ROE) | 7.1513% | 3,374 |
| Retained earnings to average equity (ytd only) | -8.2646% | 5,760 |
| Net charge-offs to loans | -0.0056% | 4,325 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7759% | 2,358 |
| Assets per employee ($millions) | 4.7827% | 2,624 |
| Cash dividends to net income (ytd only)* | 215.5689% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0373% | 774 |
| Loan loss allowance to noncurrent loans | 224.4930% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 1.8950% | 950 |
| Noncurrent loans to loans | 0.9075% | 2,584 |
| Net loans and leases to total assets | 76.1434% | 1,373 |
| Net loans and leases to deposits | 99.2527% | 668 |
| Net loans and leases to core deposits | 108.9808% | 911 |
| Total domestic deposits to total assets | 76.7167% | 5,333 |
| Equity capital to assets | 10.2243% | 3,824 |
| Core capital (leverage) ratio | 10.2476% | 3,260 |
| Tier 1 risk-based capital ratio | 13.2988% | 4,095 |
| Total risk-based capital ratio | 14.5592% | 4,017 |
| Memoranda: | ||
| Average total assets | $91,189,000 | 4,636 |
| Average earning assets | $81,155,000 | 4,679 |
| Average equity | $9,341,000 | 4,792 |
| Average total loans | $70,856,000 | 4,094 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1187% | 2,849 |
| Cost of funding earning assets | 0.5240% | 1,966 |
| Net interest margin | 3.5947% | 3,161 |
| Noninterest income to average assets | 0.5862% | 2,793 |
| Noninterest expense to average assets | 2.7501% | 3,410 |
| Loan and lease loss provision to assets | 0.3484% | 430 |
| Net operating income to assets | 0.6588% | 3,998 |
| Return on assets (ROA) | 0.6588% | 4,085 |
| Pretax return on assets | 0.6588% | 4,652 |
| Return on Equity (ROE) | 6.3164% | 3,890 |
| Retained earnings to average equity (ytd only) | 4.5285% | 2,762 |
| Net charge-offs to loans | 0.7508% | 309 |
| Credit loss provision to net charge-offs | 58.9792% | 3,279 |
| Earnings coverage of net charge-offs (x) | 1.7051% | 4,045 |
| Efficiency ratio | 73.1947% | 2,714 |
| Assets per employee ($millions) | 5.0837% | 2,269 |
| Cash dividends to net income (ytd only)* | 28.3051% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9809% | 831 |
| Loan loss allowance to noncurrent loans | 196.6480% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 1.9638% | 909 |
| Noncurrent loans to loans | 1.0073% | 2,326 |
| Net loans and leases to total assets | 76.1393% | 1,396 |
| Net loans and leases to deposits | 91.3216% | 1,472 |
| Net loans and leases to core deposits | 99.4235% | 1,560 |
| Total domestic deposits to total assets | 83.3749% | 3,716 |
| Equity capital to assets | 10.2627% | 3,665 |
| Core capital (leverage) ratio | 10.4715% | 2,961 |
| Tier 1 risk-based capital ratio | 13.5528% | 3,977 |
| Total risk-based capital ratio | 14.8124% | 3,906 |
| Memoranda: | ||
| Average total assets | $89,560,200 | 4,686 |
| Average earning assets | $79,006,000 | 4,741 |
| Average equity | $9,340,800 | 4,779 |
| Average total loans | $70,453,800 | 4,081 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1363% | 2,791 |
| Cost of funding earning assets | 0.5341% | 1,939 |
| Net interest margin | 3.6023% | 3,153 |
| Noninterest income to average assets | 0.6586% | 2,433 |
| Noninterest expense to average assets | 2.7797% | 3,276 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0493% | 2,219 |
| Return on assets (ROA) | 1.0493% | 2,319 |
| Pretax return on assets | 1.0493% | 3,420 |
| Return on Equity (ROE) | 10.0195% | 2,096 |
| Retained earnings to average equity (ytd only) | 7.6325% | 1,402 |
| Net charge-offs to loans | -0.0171% | 5,144 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5958% | 2,779 |
| Assets per employee ($millions) | 4.9761% | 2,328 |
| Cash dividends to net income (ytd only)* | 23.8231% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4031% | 501 |
| Loan loss allowance to noncurrent loans | 148.0072% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 2.4395% | 723 |
| Noncurrent loans to loans | 1.6236% | 1,521 |
| Net loans and leases to total assets | 74.0892% | 1,720 |
| Net loans and leases to deposits | 91.3937% | 1,477 |
| Net loans and leases to core deposits | 101.3331% | 1,424 |
| Total domestic deposits to total assets | 81.0660% | 4,457 |
| Equity capital to assets | 10.6923% | 3,365 |
| Core capital (leverage) ratio | 10.5605% | 2,975 |
| Tier 1 risk-based capital ratio | 14.2437% | 3,706 |
| Total risk-based capital ratio | 15.5087% | 3,629 |
| Memoranda: | ||
| Average total assets | $89,073,750 | 4,748 |
| Average earning assets | $78,393,000 | 4,811 |
| Average equity | $9,328,250 | 4,841 |
| Average total loans | $70,297,250 | 4,126 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1611% | 2,678 |
| Cost of funding earning assets | 0.5080% | 2,181 |
| Net interest margin | 3.6531% | 2,898 |
| Noninterest income to average assets | 0.8098% | 1,735 |
| Noninterest expense to average assets | 2.7309% | 3,490 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2980% | 1,327 |
| Return on assets (ROA) | 1.2980% | 1,389 |
| Pretax return on assets | 1.2980% | 2,370 |
| Return on Equity (ROE) | 12.4820% | 1,233 |
| Retained earnings to average equity (ytd only) | 8.8693% | 972 |
| Net charge-offs to loans | -0.0281% | 5,307 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7834% | 3,702 |
| Assets per employee ($millions) | 4.8462% | 2,477 |
| Cash dividends to net income (ytd only)* | 28.9428% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3417% | 606 |
| Loan loss allowance to noncurrent loans | 146.6368% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 2.7869% | 631 |
| Noncurrent loans to loans | 1.5969% | 1,643 |
| Net loans and leases to total assets | 78.1672% | 1,050 |
| Net loans and leases to deposits | 93.9136% | 1,158 |
| Net loans and leases to core deposits | 107.3778% | 998 |
| Total domestic deposits to total assets | 83.2330% | 3,859 |
| Equity capital to assets | 10.7519% | 3,164 |
| Core capital (leverage) ratio | 10.6154% | 2,832 |
| Tier 1 risk-based capital ratio | 13.7045% | 4,092 |
| Total risk-based capital ratio | 14.9684% | 4,026 |
| Memoranda: | ||
| Average total assets | $88,908,670 | 4,791 |
| Average earning assets | $78,344,000 | 4,863 |
| Average equity | $9,245,330 | 4,897 |
| Average total loans | $71,064,670 | 4,133 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1990% | 2,461 |
| Cost of funding earning assets | 0.5053% | 2,237 |
| Net interest margin | 3.6937% | 2,638 |
| Noninterest income to average assets | 0.9137% | 1,342 |
| Noninterest expense to average assets | 2.6742% | 3,678 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4975% | 850 |
| Return on assets (ROA) | 1.4975% | 904 |
| Pretax return on assets | 1.4975% | 1,574 |
| Return on Equity (ROE) | 14.6429% | 764 |
| Retained earnings to average equity (ytd only) | 14.6429% | 315 |
| Net charge-offs to loans | -0.0056% | 4,526 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1026% | 4,464 |
| Assets per employee ($millions) | 4.6286% | 2,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2586% | 740 |
| Loan loss allowance to noncurrent loans | 145.9605% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 3.0156% | 625 |
| Noncurrent loans to loans | 1.5474% | 1,815 |
| Net loans and leases to total assets | 80.0111% | 683 |
| Net loans and leases to deposits | 100.3122% | 546 |
| Net loans and leases to core deposits | 110.5638% | 720 |
| Total domestic deposits to total assets | 79.7621% | 5,104 |
| Equity capital to assets | 10.6511% | 3,373 |
| Core capital (leverage) ratio | 10.2219% | 3,315 |
| Tier 1 risk-based capital ratio | 13.0422% | 4,581 |
| Total risk-based capital ratio | 14.3045% | 4,490 |
| Memoranda: | ||
| Average total assets | $89,747,500 | 4,815 |
| Average earning assets | $79,162,000 | 4,885 |
| Average equity | $9,178,500 | 4,944 |
| Average total loans | $71,686,500 | 4,141 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5480% | 1,702 |
| Cost of funding earning assets | 0.6014% | 1,750 |
| Net interest margin | 3.9466% | 2,062 |
| Noninterest income to average assets | 0.3499% | 4,603 |
| Noninterest expense to average assets | 2.6902% | 3,903 |
| Loan and lease loss provision to assets | 0.4124% | 427 |
| Net operating income to assets | 0.6021% | 4,350 |
| Return on assets (ROA) | 0.5964% | 4,474 |
| Pretax return on assets | 0.5964% | 4,952 |
| Return on Equity (ROE) | 6.0732% | 4,107 |
| Retained earnings to average equity (ytd only) | 6.0732% | 1,877 |
| Net charge-offs to loans | 0.8914% | 364 |
| Credit loss provision to net charge-offs | 57.7107% | 3,326 |
| Earnings coverage of net charge-offs (x) | 1.4197% | 4,421 |
| Efficiency ratio | 72.6158% | 3,101 |
| Assets per employee ($millions) | 4.8185% | 2,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2765% | 747 |
| Loan loss allowance to noncurrent loans | 146.9259% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 2.8880% | 723 |
| Noncurrent loans to loans | 1.5494% | 1,891 |
| Net loans and leases to total assets | 76.1947% | 1,231 |
| Net loans and leases to deposits | 90.1207% | 1,510 |
| Net loans and leases to core deposits | 101.1132% | 1,312 |
| Total domestic deposits to total assets | 84.5474% | 3,486 |
| Equity capital to assets | 9.8197% | 4,323 |
| Core capital (leverage) ratio | 10.0745% | 3,468 |
| Tier 1 risk-based capital ratio | 12.9291% | 4,773 |
| Total risk-based capital ratio | 14.1930% | 4,678 |
| Memoranda: | ||
| Average total assets | $88,021,800 | 4,891 |
| Average earning assets | $74,824,200 | 5,021 |
| Average equity | $8,644,600 | 5,054 |
| Average total loans | $70,566,200 | 4,166 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6692% | 1,383 |
| Cost of funding earning assets | 0.6162% | 1,712 |
| Net interest margin | 4.0530% | 1,711 |
| Noninterest income to average assets | 0.3290% | 4,804 |
| Noninterest expense to average assets | 2.7312% | 3,707 |
| Loan and lease loss provision to assets | 0.5554% | 259 |
| Net operating income to assets | 0.4743% | 4,976 |
| Return on assets (ROA) | 0.4667% | 5,083 |
| Pretax return on assets | 0.4667% | 5,415 |
| Return on Equity (ROE) | 4.7517% | 4,836 |
| Retained earnings to average equity (ytd only) | 4.7517% | 3,242 |
| Net charge-offs to loans | 1.0687% | 276 |
| Credit loss provision to net charge-offs | 64.3617% | 2,866 |
| Earnings coverage of net charge-offs (x) | 1.1933% | 4,207 |
| Efficiency ratio | 72.6200% | 3,073 |
| Assets per employee ($millions) | 4.7624% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4300% | 698 |
| Loan loss allowance to noncurrent loans | 130.5019% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 2.8712% | 844 |
| Noncurrent loans to loans | 1.8621% | 1,714 |
| Net loans and leases to total assets | 74.9914% | 1,366 |
| Net loans and leases to deposits | 95.2018% | 943 |
| Net loans and leases to core deposits | 109.5901% | 761 |
| Total domestic deposits to total assets | 78.7711% | 5,379 |
| Equity capital to assets | 9.6602% | 4,597 |
| Core capital (leverage) ratio | 10.0363% | 3,628 |
| Tier 1 risk-based capital ratio | 12.9295% | 4,908 |
| Total risk-based capital ratio | 14.1942% | 4,816 |
| Memoranda: | ||
| Average total assets | $87,139,500 | 4,959 |
| Average earning assets | $73,787,000 | 5,109 |
| Average equity | $8,558,250 | 5,117 |
| Average total loans | $70,362,250 | 4,208 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8235% | 1,031 |
| Cost of funding earning assets | 0.6393% | 1,593 |
| Net interest margin | 4.1842% | 1,288 |
| Noninterest income to average assets | 0.3255% | 4,807 |
| Noninterest expense to average assets | 2.7085% | 3,828 |
| Loan and lease loss provision to assets | 0.8439% | 140 |
| Net operating income to assets | 0.3487% | 5,408 |
| Return on assets (ROA) | 0.3371% | 5,515 |
| Pretax return on assets | 0.3371% | 5,710 |
| Return on Equity (ROE) | 3.4128% | 5,378 |
| Retained earnings to average equity (ytd only) | 3.4128% | 4,029 |
| Net charge-offs to loans | 1.6083% | 162 |
| Credit loss provision to net charge-offs | 63.9085% | 2,579 |
| Earnings coverage of net charge-offs (x) | 0.9032% | 3,943 |
| Efficiency ratio | 69.4279% | 3,754 |
| Assets per employee ($millions) | 4.4382% | 3,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3678% | 841 |
| Loan loss allowance to noncurrent loans | 120.7736% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 3.2007% | 775 |
| Noncurrent loans to loans | 1.9605% | 1,726 |
| Net loans and leases to total assets | 82.4429% | 425 |
| Net loans and leases to deposits | 104.7935% | 341 |
| Net loans and leases to core deposits | 115.7432% | 486 |
| Total domestic deposits to total assets | 78.6718% | 5,520 |
| Equity capital to assets | 10.2022% | 3,824 |
| Core capital (leverage) ratio | 10.1291% | 3,435 |
| Tier 1 risk-based capital ratio | 12.5493% | 5,196 |
| Total risk-based capital ratio | 13.8141% | 5,113 |
| Memoranda: | ||
| Average total assets | $86,024,330 | 5,018 |
| Average earning assets | $73,515,000 | 5,152 |
| Average equity | $8,497,330 | 5,159 |
| Average total loans | $70,634,330 | 4,211 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4686% | 301 |
| Cost of funding earning assets | 0.6650% | 1,475 |
| Net interest margin | 4.8036% | 376 |
| Noninterest income to average assets | 0.3499% | 4,577 |
| Noninterest expense to average assets | 2.4587% | 4,767 |
| Loan and lease loss provision to assets | 1.5793% | 56 |
| Net operating income to assets | 0.3361% | 5,371 |
| Return on assets (ROA) | 0.3361% | 5,422 |
| Pretax return on assets | 0.3361% | 5,632 |
| Return on Equity (ROE) | 3.4579% | 5,296 |
| Retained earnings to average equity (ytd only) | 3.4579% | 4,061 |
| Net charge-offs to loans | 3.2353% | 55 |
| Credit loss provision to net charge-offs | 60.2812% | 2,103 |
| Earnings coverage of net charge-offs (x) | 0.7311% | 3,274 |
| Efficiency ratio | 56.2105% | 5,819 |
| Assets per employee ($millions) | 4.4341% | 3,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3983% | 914 |
| Loan loss allowance to noncurrent loans | 117.8344% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 4.2304% | 533 |
| Noncurrent loans to loans | 2.0353% | 1,828 |
| Net loans and leases to total assets | 80.4268% | 501 |
| Net loans and leases to deposits | 98.5729% | 512 |
| Net loans and leases to core deposits | 109.0865% | 624 |
| Total domestic deposits to total assets | 81.5913% | 5,063 |
| Equity capital to assets | 10.1059% | 3,718 |
| Core capital (leverage) ratio | 9.4255% | 4,383 |
| Tier 1 risk-based capital ratio | 12.2898% | 5,448 |
| Total risk-based capital ratio | 13.5533% | 5,371 |
| Memoranda: | ||
| Average total assets | $86,874,000 | 5,048 |
| Average earning assets | $72,779,500 | 5,209 |
| Average equity | $8,444,500 | 5,192 |
| Average total loans | $70,348,500 | 4,251 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2194% | 3,272 |
| Cost of funding earning assets | 0.7323% | 1,612 |
| Net interest margin | 3.4871% | 3,956 |
| Noninterest income to average assets | 0.9886% | 1,422 |
| Noninterest expense to average assets | 3.1003% | 2,730 |
| Loan and lease loss provision to assets | 0.8201% | 253 |
| Net operating income to assets | 0.0080% | 6,201 |
| Return on assets (ROA) | 0.0080% | 6,242 |
| Pretax return on assets | 0.0080% | 6,221 |
| Return on Equity (ROE) | 0.0812% | 6,240 |
| Retained earnings to average equity (ytd only) | 0.0812% | 5,816 |
| Net charge-offs to loans | 1.6487% | 271 |
| Credit loss provision to net charge-offs | 59.4059% | 3,583 |
| Earnings coverage of net charge-offs (x) | 0.5998% | 4,883 |
| Efficiency ratio | 78.9214% | 2,337 |
| Assets per employee ($millions) | 4.7105% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6531% | 698 |
| Loan loss allowance to noncurrent loans | 28.1273% | 5,997 |
| Noncurrent assets plus other real estate owned to assets | 8.5989% | 167 |
| Noncurrent loans to loans | 9.4326% | 130 |
| Net loans and leases to total assets | 77.5229% | 880 |
| Net loans and leases to deposits | 91.5863% | 1,101 |
| Net loans and leases to core deposits | 104.3903% | 882 |
| Total domestic deposits to total assets | 84.6447% | 3,908 |
| Equity capital to assets | 9.3575% | 4,607 |
| Core capital (leverage) ratio | 9.4848% | 4,293 |
| Tier 1 risk-based capital ratio | 12.0941% | 5,565 |
| Total risk-based capital ratio | 13.3624% | 5,487 |
| Memoranda: | ||
| Average total assets | $87,797,000 | 5,031 |
| Average earning assets | $74,016,000 | 5,193 |
| Average equity | $8,621,400 | 5,186 |
| Average total loans | $73,510,800 | 4,149 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3138% | 2,932 |
| Cost of funding earning assets | 0.7430% | 1,648 |
| Net interest margin | 3.5709% | 3,573 |
| Noninterest income to average assets | 1.3383% | 822 |
| Noninterest expense to average assets | 3.1756% | 2,435 |
| Loan and lease loss provision to assets | 0.5952% | 409 |
| Net operating income to assets | 0.5967% | 4,360 |
| Return on assets (ROA) | 0.5967% | 4,486 |
| Pretax return on assets | 0.5967% | 5,019 |
| Return on Equity (ROE) | 6.0039% | 4,184 |
| Retained earnings to average equity (ytd only) | 6.0039% | 2,402 |
| Net charge-offs to loans | 1.0314% | 549 |
| Credit loss provision to net charge-offs | 68.0628% | 3,107 |
| Earnings coverage of net charge-offs (x) | 1.3630% | 4,381 |
| Efficiency ratio | 72.7114% | 3,280 |
| Assets per employee ($millions) | 4.7528% | 2,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0385% | 527 |
| Loan loss allowance to noncurrent loans | 30.8599% | 5,954 |
| Noncurrent assets plus other real estate owned to assets | 9.1204% | 168 |
| Noncurrent loans to loans | 9.8461% | 142 |
| Net loans and leases to total assets | 77.7427% | 777 |
| Net loans and leases to deposits | 95.0488% | 760 |
| Net loans and leases to core deposits | 108.6665% | 639 |
| Total domestic deposits to total assets | 81.7924% | 4,998 |
| Equity capital to assets | 9.7959% | 4,190 |
| Core capital (leverage) ratio | 10.3090% | 3,230 |
| Tier 1 risk-based capital ratio | 12.6998% | 5,323 |
| Total risk-based capital ratio | 13.9739% | 5,258 |
| Memoranda: | ||
| Average total assets | $87,371,250 | 5,092 |
| Average earning assets | $74,116,250 | 5,243 |
| Average equity | $8,683,000 | 5,220 |
| Average total loans | $74,070,000 | 4,149 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3096% | 2,913 |
| Cost of funding earning assets | 0.7531% | 1,687 |
| Net interest margin | 3.5565% | 3,533 |
| Noninterest income to average assets | 1.7895% | 520 |
| Noninterest expense to average assets | 3.2734% | 2,147 |
| Loan and lease loss provision to assets | 0.8334% | 252 |
| Net operating income to assets | 0.7547% | 3,541 |
| Return on assets (ROA) | 0.7547% | 3,692 |
| Pretax return on assets | 0.7547% | 4,492 |
| Return on Equity (ROE) | 7.5562% | 3,320 |
| Retained earnings to average equity (ytd only) | 7.5562% | 1,647 |
| Net charge-offs to loans | 1.5410% | 336 |
| Credit loss provision to net charge-offs | 62.6087% | 2,971 |
| Earnings coverage of net charge-offs (x) | 1.1930% | 4,141 |
| Efficiency ratio | 67.3333% | 4,304 |
| Assets per employee ($millions) | 4.7498% | 2,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9267% | 633 |
| Loan loss allowance to noncurrent loans | 26.9384% | 6,117 |
| Noncurrent assets plus other real estate owned to assets | 11.2766% | 118 |
| Noncurrent loans to loans | 10.8644% | 125 |
| Net loans and leases to total assets | 84.1080% | 231 |
| Net loans and leases to deposits | 107.5227% | 190 |
| Net loans and leases to core deposits | 124.2231% | 253 |
| Total domestic deposits to total assets | 78.2235% | 5,941 |
| Equity capital to assets | 10.2905% | 3,556 |
| Core capital (leverage) ratio | 10.3660% | 3,028 |
| Tier 1 risk-based capital ratio | 12.3121% | 5,617 |
| Total risk-based capital ratio | 13.5844% | 5,552 |
| Memoranda: | ||
| Average total assets | $86,394,000 | 5,142 |
| Average earning assets | $74,624,330 | 5,260 |
| Average equity | $8,628,670 | 5,270 |
| Average total loans | $74,625,330 | 4,155 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4173% | 2,463 |
| Cost of funding earning assets | 0.7871% | 1,601 |
| Net interest margin | 3.6302% | 3,139 |
| Noninterest income to average assets | 2.4228% | 331 |
| Noninterest expense to average assets | 3.3624% | 1,924 |
| Loan and lease loss provision to assets | 1.5200% | 93 |
| Net operating income to assets | 0.6633% | 3,884 |
| Return on assets (ROA) | 0.6633% | 4,040 |
| Pretax return on assets | 0.6633% | 4,734 |
| Return on Equity (ROE) | 6.7416% | 3,629 |
| Retained earnings to average equity (ytd only) | 6.7416% | 2,287 |
| Net charge-offs to loans | 1.2764% | 444 |
| Credit loss provision to net charge-offs | 138.0753% | 1,449 |
| Earnings coverage of net charge-offs (x) | 1.9833% | 3,175 |
| Efficiency ratio | 60.6312% | 5,502 |
| Assets per employee ($millions) | 5.6979% | 1,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3062% | 490 |
| Loan loss allowance to noncurrent loans | 41.7130% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 8.9261% | 254 |
| Noncurrent loans to loans | 7.9261% | 333 |
| Net loans and leases to total assets | 84.6574% | 168 |
| Net loans and leases to deposits | 109.7352% | 132 |
| Net loans and leases to core deposits | 127.3968% | 194 |
| Total domestic deposits to total assets | 77.1470% | 6,236 |
| Equity capital to assets | 10.0728% | 4,049 |
| Core capital (leverage) ratio | 10.0368% | 3,327 |
| Tier 1 risk-based capital ratio | 11.9714% | 5,934 |
| Total risk-based capital ratio | 13.2486% | 5,876 |
| Memoranda: | ||
| Average total assets | $86,843,000 | 5,174 |
| Average earning assets | $74,706,500 | 5,302 |
| Average equity | $8,544,000 | 5,346 |
| Average total loans | $74,899,500 | 4,171 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6168% | 2,931 |
| Cost of funding earning assets | 1.0583% | 1,082 |
| Net interest margin | 3.5585% | 4,275 |
| Noninterest income to average assets | 0.9753% | 1,614 |
| Noninterest expense to average assets | 3.4688% | 1,903 |
| Loan and lease loss provision to assets | 0.3166% | 2,160 |
| Net operating income to assets | 0.2667% | 5,584 |
| Return on assets (ROA) | 0.2667% | 5,799 |
| Pretax return on assets | 0.2667% | 5,886 |
| Return on Equity (ROE) | 2.7287% | 5,663 |
| Retained earnings to average equity (ytd only) | 2.7287% | 4,317 |
| Net charge-offs to loans | 0.8116% | 1,442 |
| Credit loss provision to net charge-offs | 45.7286% | 4,793 |
| Earnings coverage of net charge-offs (x) | 0.8425% | 5,055 |
| Efficiency ratio | 85.6039% | 1,466 |
| Assets per employee ($millions) | 5.1893% | 2,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1786% | 566 |
| Loan loss allowance to noncurrent loans | 28.0353% | 6,139 |
| Noncurrent assets plus other real estate owned to assets | 11.2403% | 174 |
| Noncurrent loans to loans | 11.3379% | 170 |
| Net loans and leases to total assets | 82.2814% | 312 |
| Net loans and leases to deposits | 104.4147% | 258 |
| Net loans and leases to core deposits | 125.3142% | 228 |
| Total domestic deposits to total assets | 78.8025% | 5,935 |
| Equity capital to assets | 9.6114% | 4,731 |
| Core capital (leverage) ratio | 9.8841% | 3,564 |
| Tier 1 risk-based capital ratio | 11.7571% | 5,928 |
| Total risk-based capital ratio | 13.0289% | 5,887 |
| Memoranda: | ||
| Average total assets | $86,226,400 | 5,182 |
| Average earning assets | $74,553,200 | 5,293 |
| Average equity | $8,429,000 | 5,380 |
| Average total loans | $73,558,800 | 4,220 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7240% | 2,694 |
| Cost of funding earning assets | 1.1117% | 1,019 |
| Net interest margin | 3.6123% | 4,183 |
| Noninterest income to average assets | 0.8336% | 2,103 |
| Noninterest expense to average assets | 3.1727% | 2,656 |
| Loan and lease loss provision to assets | 0.2177% | 2,886 |
| Net operating income to assets | 0.5863% | 4,453 |
| Return on assets (ROA) | 0.5863% | 4,727 |
| Pretax return on assets | 0.5863% | 5,213 |
| Return on Equity (ROE) | 5.9722% | 4,341 |
| Retained earnings to average equity (ytd only) | 5.9722% | 2,710 |
| Net charge-offs to loans | 1.0727% | 967 |
| Credit loss provision to net charge-offs | 23.7691% | 4,900 |
| Earnings coverage of net charge-offs (x) | 0.8778% | 4,894 |
| Efficiency ratio | 79.7810% | 2,127 |
| Assets per employee ($millions) | 5.3463% | 1,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1209% | 645 |
| Loan loss allowance to noncurrent loans | 32.4053% | 6,020 |
| Noncurrent assets plus other real estate owned to assets | 9.8831% | 251 |
| Noncurrent loans to loans | 9.6307% | 268 |
| Net loans and leases to total assets | 81.9430% | 345 |
| Net loans and leases to deposits | 102.6672% | 322 |
| Net loans and leases to core deposits | 123.6466% | 253 |
| Total domestic deposits to total assets | 79.8141% | 5,705 |
| Equity capital to assets | 10.0783% | 4,387 |
| Core capital (leverage) ratio | 9.9984% | 3,547 |
| Tier 1 risk-based capital ratio | 12.2397% | 5,806 |
| Total risk-based capital ratio | 13.5097% | 5,771 |
| Memoranda: | ||
| Average total assets | $85,728,500 | 5,252 |
| Average earning assets | $74,595,500 | 5,344 |
| Average equity | $8,416,500 | 5,437 |
| Average total loans | $73,206,000 | 4,288 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7098% | 2,874 |
| Cost of funding earning assets | 1.1450% | 1,052 |
| Net interest margin | 3.5648% | 4,400 |
| Noninterest income to average assets | 0.8462% | 1,981 |
| Noninterest expense to average assets | 3.1239% | 2,836 |
| Loan and lease loss provision to assets | 0.2564% | 2,528 |
| Net operating income to assets | 0.6015% | 4,360 |
| Return on assets (ROA) | 0.6015% | 4,615 |
| Pretax return on assets | 0.6015% | 5,127 |
| Return on Equity (ROE) | 6.1809% | 4,224 |
| Retained earnings to average equity (ytd only) | 6.1809% | 2,583 |
| Net charge-offs to loans | 1.4396% | 703 |
| Credit loss provision to net charge-offs | 20.7940% | 4,590 |
| Earnings coverage of net charge-offs (x) | 0.6957% | 4,709 |
| Efficiency ratio | 78.4543% | 2,404 |
| Assets per employee ($millions) | 5.2550% | 1,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1243% | 694 |
| Loan loss allowance to noncurrent loans | 30.4660% | 6,134 |
| Noncurrent assets plus other real estate owned to assets | 11.0573% | 212 |
| Noncurrent loans to loans | 10.2551% | 252 |
| Net loans and leases to total assets | 84.3768% | 196 |
| Net loans and leases to deposits | 107.1872% | 197 |
| Net loans and leases to core deposits | 132.9411% | 195 |
| Total domestic deposits to total assets | 78.7191% | 6,015 |
| Equity capital to assets | 10.1094% | 4,179 |
| Core capital (leverage) ratio | 10.0095% | 3,411 |
| Tier 1 risk-based capital ratio | 11.7936% | 6,060 |
| Total risk-based capital ratio | 13.0635% | 6,024 |
| Memoranda: | ||
| Average total assets | $85,791,330 | 5,282 |
| Average earning assets | $75,460,000 | 5,340 |
| Average equity | $8,348,330 | 5,464 |
| Average total loans | $73,490,670 | 4,297 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7081% | 3,024 |
| Cost of funding earning assets | 1.1901% | 1,028 |
| Net interest margin | 3.5180% | 4,602 |
| Noninterest income to average assets | 0.9648% | 1,521 |
| Noninterest expense to average assets | 3.3746% | 2,076 |
| Loan and lease loss provision to assets | 0.3693% | 1,709 |
| Net operating income to assets | 0.3324% | 5,546 |
| Return on assets (ROA) | 0.3324% | 5,717 |
| Pretax return on assets | 0.3324% | 5,904 |
| Return on Equity (ROE) | 3.4814% | 5,518 |
| Retained earnings to average equity (ytd only) | 3.4814% | 4,490 |
| Net charge-offs to loans | 2.1896% | 408 |
| Credit loss provision to net charge-offs | 19.8511% | 3,778 |
| Earnings coverage of net charge-offs (x) | 0.3772% | 4,172 |
| Efficiency ratio | 82.7860% | 1,831 |
| Assets per employee ($millions) | 5.3001% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2916% | 625 |
| Loan loss allowance to noncurrent loans | 28.4555% | 6,245 |
| Noncurrent assets plus other real estate owned to assets | 12.3264% | 192 |
| Noncurrent loans to loans | 11.5675% | 221 |
| Net loans and leases to total assets | 82.5959% | 243 |
| Net loans and leases to deposits | 101.1860% | 335 |
| Net loans and leases to core deposits | 127.2699% | 220 |
| Total domestic deposits to total assets | 81.6278% | 5,416 |
| Equity capital to assets | 9.8017% | 4,371 |
| Core capital (leverage) ratio | 9.0074% | 4,829 |
| Tier 1 risk-based capital ratio | 11.6194% | 6,211 |
| Total risk-based capital ratio | 12.8916% | 6,175 |
| Memoranda: | ||
| Average total assets | $86,647,000 | 5,300 |
| Average earning assets | $76,633,500 | 5,338 |
| Average equity | $8,272,500 | 5,505 |
| Average total loans | $73,620,000 | 4,325 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9825% | 2,957 |
| Cost of funding earning assets | 1.3749% | 1,148 |
| Net interest margin | 3.6076% | 4,702 |
| Noninterest income to average assets | 0.4171% | 4,477 |
| Noninterest expense to average assets | 3.0446% | 3,420 |
| Loan and lease loss provision to assets | 1.9248% | 326 |
| Net operating income to assets | -1.5046% | 6,905 |
| Return on assets (ROA) | -1.5046% | 6,930 |
| Pretax return on assets | -1.5046% | 6,898 |
| Return on Equity (ROE) | -15.3664% | 6,897 |
| Retained earnings to average equity (ytd only) | -15.3664% | 6,877 |
| Net charge-offs to loans | 1.7254% | 879 |
| Credit loss provision to net charge-offs | 136.4375% | 2,188 |
| Earnings coverage of net charge-offs (x) | 0.2979% | 5,601 |
| Efficiency ratio | 87.8724% | 1,366 |
| Assets per employee ($millions) | 5.8995% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6184% | 498 |
| Loan loss allowance to noncurrent loans | 45.6262% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 7.4560% | 596 |
| Noncurrent loans to loans | 7.9304% | 509 |
| Net loans and leases to total assets | 81.4831% | 376 |
| Net loans and leases to deposits | 96.9584% | 630 |
| Net loans and leases to core deposits | 121.8295% | 324 |
| Total domestic deposits to total assets | 84.0392% | 4,300 |
| Equity capital to assets | 9.3037% | 5,144 |
| Core capital (leverage) ratio | 9.3345% | 4,278 |
| Tier 1 risk-based capital ratio | 11.1996% | 6,352 |
| Total risk-based capital ratio | 12.4758% | 6,307 |
| Memoranda: | ||
| Average total assets | $95,908,200 | 5,017 |
| Average earning assets | $81,023,000 | 5,198 |
| Average equity | $9,390,600 | 5,185 |
| Average total loans | $78,417,400 | 4,198 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1400% | 2,427 |
| Cost of funding earning assets | 1.4385% | 1,078 |
| Net interest margin | 3.7015% | 4,322 |
| Noninterest income to average assets | 0.4787% | 4,053 |
| Noninterest expense to average assets | 2.7849% | 4,400 |
| Loan and lease loss provision to assets | 0.6696% | 1,443 |
| Net operating income to assets | 0.0914% | 5,984 |
| Return on assets (ROA) | 0.0914% | 6,099 |
| Pretax return on assets | 0.0914% | 6,114 |
| Return on Equity (ROE) | 0.9228% | 6,081 |
| Retained earnings to average equity (ytd only) | 0.9228% | 5,636 |
| Net charge-offs to loans | 1.0002% | 1,610 |
| Credit loss provision to net charge-offs | 82.5210% | 4,055 |
| Earnings coverage of net charge-offs (x) | 0.9378% | 4,922 |
| Efficiency ratio | 78.5385% | 2,473 |
| Assets per employee ($millions) | 6.0092% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7242% | 1,102 |
| Loan loss allowance to noncurrent loans | 44.7318% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 5.9686% | 894 |
| Noncurrent loans to loans | 6.0901% | 911 |
| Net loans and leases to total assets | 83.5863% | 250 |
| Net loans and leases to deposits | 104.9302% | 286 |
| Net loans and leases to core deposits | 167.5592% | 94 |
| Total domestic deposits to total assets | 79.6590% | 5,832 |
| Equity capital to assets | 10.8079% | 3,345 |
| Core capital (leverage) ratio | 10.5129% | 2,852 |
| Tier 1 risk-based capital ratio | 12.7972% | 5,250 |
| Total risk-based capital ratio | 14.0624% | 5,225 |
| Memoranda: | ||
| Average total assets | $97,762,250 | 4,986 |
| Average earning assets | $81,010,500 | 5,240 |
| Average equity | $9,680,000 | 5,134 |
| Average total loans | $79,318,500 | 4,196 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1696% | 2,379 |
| Cost of funding earning assets | 1.5266% | 915 |
| Net interest margin | 3.6430% | 4,549 |
| Noninterest income to average assets | 0.5543% | 3,440 |
| Noninterest expense to average assets | 2.6938% | 4,850 |
| Loan and lease loss provision to assets | 0.7697% | 1,207 |
| Net operating income to assets | 0.0219% | 6,184 |
| Return on assets (ROA) | 0.0219% | 6,266 |
| Pretax return on assets | 0.0219% | 6,239 |
| Return on Equity (ROE) | 0.2278% | 6,258 |
| Retained earnings to average equity (ytd only) | 0.2278% | 5,746 |
| Net charge-offs to loans | 1.5812% | 931 |
| Credit loss provision to net charge-offs | 61.0759% | 4,313 |
| Earnings coverage of net charge-offs (x) | 0.6282% | 4,827 |
| Efficiency ratio | 77.2883% | 2,812 |
| Assets per employee ($millions) | 5.7926% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4863% | 1,464 |
| Loan loss allowance to noncurrent loans | 44.5450% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 6.3529% | 852 |
| Noncurrent loans to loans | 5.5815% | 1,123 |
| Net loans and leases to total assets | 83.2805% | 286 |
| Net loans and leases to deposits | 101.4284% | 430 |
| Net loans and leases to core deposits | 162.4524% | 118 |
| Total domestic deposits to total assets | 82.1076% | 5,128 |
| Equity capital to assets | 10.4497% | 3,575 |
| Core capital (leverage) ratio | 10.1309% | 3,104 |
| Tier 1 risk-based capital ratio | 12.8105% | 5,081 |
| Total risk-based capital ratio | 14.0737% | 5,047 |
| Memoranda: | ||
| Average total assets | $100,303,670 | 4,954 |
| Average earning assets | $80,702,000 | 5,300 |
| Average equity | $9,659,330 | 5,135 |
| Average total loans | $79,940,330 | 4,217 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2269% | 2,129 |
| Cost of funding earning assets | 1.5899% | 847 |
| Net interest margin | 3.6370% | 4,388 |
| Noninterest income to average assets | 0.7530% | 2,246 |
| Noninterest expense to average assets | 3.1389% | 3,113 |
| Loan and lease loss provision to assets | 0.4034% | 2,175 |
| Net operating income to assets | 0.0231% | 6,296 |
| Return on assets (ROA) | 0.0231% | 6,330 |
| Pretax return on assets | 0.0231% | 6,317 |
| Return on Equity (ROE) | 0.2488% | 6,326 |
| Retained earnings to average equity (ytd only) | 0.2488% | 5,710 |
| Net charge-offs to loans | 0.3585% | 2,626 |
| Credit loss provision to net charge-offs | 145.8333% | 1,943 |
| Earnings coverage of net charge-offs (x) | 1.5417% | 3,555 |
| Efficiency ratio | 88.0388% | 1,512 |
| Assets per employee ($millions) | 6.2251% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8598% | 1,047 |
| Loan loss allowance to noncurrent loans | 63.1535% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 4.4427% | 1,464 |
| Noncurrent loans to loans | 4.5283% | 1,542 |
| Net loans and leases to total assets | 76.6318% | 939 |
| Net loans and leases to deposits | 92.8371% | 942 |
| Net loans and leases to core deposits | 171.8435% | 106 |
| Total domestic deposits to total assets | 82.5444% | 5,090 |
| Equity capital to assets | 9.6907% | 4,188 |
| Core capital (leverage) ratio | 8.9311% | 4,726 |
| Tier 1 risk-based capital ratio | 12.7104% | 5,054 |
| Total risk-based capital ratio | 13.9777% | 5,009 |
| Memoranda: | ||
| Average total assets | $104,114,500 | 4,887 |
| Average earning assets | $80,506,500 | 5,345 |
| Average equity | $9,646,500 | 5,135 |
| Average total loans | $80,333,500 | 4,239 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4740% | 2,382 |
| Cost of funding earning assets | 1.6111% | 2,005 |
| Net interest margin | 3.8630% | 3,675 |
| Noninterest income to average assets | 0.3910% | 4,967 |
| Noninterest expense to average assets | 2.6820% | 5,075 |
| Loan and lease loss provision to assets | 2.7932% | 366 |
| Net operating income to assets | -1.6884% | 6,968 |
| Return on assets (ROA) | -1.6884% | 6,990 |
| Pretax return on assets | -1.6874% | 6,924 |
| Return on Equity (ROE) | -14.8415% | 6,915 |
| Retained earnings to average equity (ytd only) | -21.2575% | 7,038 |
| Net charge-offs to loans | 1.8715% | 1,102 |
| Credit loss provision to net charge-offs | 174.4521% | 1,925 |
| Earnings coverage of net charge-offs (x) | 0.6907% | 5,421 |
| Efficiency ratio | 70.8047% | 4,017 |
| Assets per employee ($millions) | 6.7893% | 825 |
| Cash dividends to net income (ytd only)* | -43.2304% | 7,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6969% | 1,174 |
| Loan loss allowance to noncurrent loans | 53.8948% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 4.6167% | 1,444 |
| Noncurrent loans to loans | 5.0040% | 1,342 |
| Net loans and leases to total assets | 73.5354% | 1,760 |
| Net loans and leases to deposits | 86.4755% | 2,007 |
| Net loans and leases to core deposits | 121.3945% | 491 |
| Total domestic deposits to total assets | 85.0361% | 3,833 |
| Equity capital to assets | 8.8752% | 5,318 |
| Core capital (leverage) ratio | 9.4847% | 3,719 |
| Tier 1 risk-based capital ratio | 11.9063% | 5,562 |
| Total risk-based capital ratio | 13.1715% | 5,524 |
| Memoranda: | ||
| Average total assets | $99,740,800 | 4,994 |
| Average earning assets | $87,704,800 | 5,088 |
| Average equity | $11,346,600 | 4,778 |
| Average total loans | $85,331,000 | 4,172 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4750% | 2,538 |
| Cost of funding earning assets | 1.6256% | 2,245 |
| Net interest margin | 3.8495% | 3,753 |
| Noninterest income to average assets | 0.3022% | 5,732 |
| Noninterest expense to average assets | 1.9770% | 7,089 |
| Loan and lease loss provision to assets | 1.7473% | 714 |
| Net operating income to assets | 0.0861% | 5,806 |
| Return on assets (ROA) | 0.0861% | 5,947 |
| Pretax return on assets | 0.0875% | 5,932 |
| Return on Equity (ROE) | 0.7135% | 5,965 |
| Retained earnings to average equity (ytd only) | -2.8086% | 6,325 |
| Net charge-offs to loans | 0.8498% | 2,322 |
| Credit loss provision to net charge-offs | 232.7869% | 1,467 |
| Earnings coverage of net charge-offs (x) | 2.4445% | 3,949 |
| Efficiency ratio | 51.8651% | 6,990 |
| Assets per employee ($millions) | 6.4409% | 1,000 |
| Cash dividends to net income (ytd only)* | 493.6429% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0381% | 2,124 |
| Loan loss allowance to noncurrent loans | 68.5692% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 3.7635% | 1,893 |
| Noncurrent loans to loans | 2.9723% | 2,685 |
| Net loans and leases to total assets | 87.2626% | 132 |
| Net loans and leases to deposits | 111.3566% | 233 |
| Net loans and leases to core deposits | 176.9483% | 111 |
| Total domestic deposits to total assets | 78.3632% | 6,180 |
| Equity capital to assets | 12.2654% | 2,000 |
| Core capital (leverage) ratio | 12.1294% | 1,599 |
| Tier 1 risk-based capital ratio | 13.9067% | 3,911 |
| Total risk-based capital ratio | 15.1638% | 3,867 |
| Memoranda: | ||
| Average total assets | $97,519,000 | 5,122 |
| Average earning assets | $88,910,250 | 5,111 |
| Average equity | $11,773,000 | 4,749 |
| Average total loans | $86,140,250 | 4,221 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4849% | 2,597 |
| Cost of funding earning assets | 1.6560% | 2,356 |
| Net interest margin | 3.8288% | 3,771 |
| Noninterest income to average assets | 0.4069% | 4,852 |
| Noninterest expense to average assets | 2.1059% | 6,887 |
| Loan and lease loss provision to assets | 2.1161% | 580 |
| Net operating income to assets | -0.3333% | 6,512 |
| Return on assets (ROA) | -0.3333% | 6,550 |
| Pretax return on assets | -0.3312% | 6,460 |
| Return on Equity (ROE) | -2.7751% | 6,498 |
| Retained earnings to average equity (ytd only) | -6.9292% | 6,733 |
| Net charge-offs to loans | 1.2743% | 1,494 |
| Credit loss provision to net charge-offs | 188.5246% | 2,092 |
| Earnings coverage of net charge-offs (x) | 1.5902% | 4,304 |
| Efficiency ratio | 54.1251% | 6,873 |
| Assets per employee ($millions) | 6.3191% | 1,040 |
| Cash dividends to net income (ytd only)* | -149.6933% | 7,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7834% | 2,773 |
| Loan loss allowance to noncurrent loans | 78.4935% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 3.0342% | 2,346 |
| Noncurrent loans to loans | 2.2721% | 3,406 |
| Net loans and leases to total assets | 87.7904% | 140 |
| Net loans and leases to deposits | 110.4676% | 260 |
| Net loans and leases to core deposits | 165.7365% | 145 |
| Total domestic deposits to total assets | 79.4717% | 5,896 |
| Equity capital to assets | 12.3309% | 1,907 |
| Core capital (leverage) ratio | 11.9650% | 1,659 |
| Tier 1 risk-based capital ratio | 13.9696% | 3,754 |
| Total risk-based capital ratio | 15.2232% | 3,708 |
| Memoranda: | ||
| Average total assets | $97,821,000 | 5,142 |
| Average earning assets | $89,008,670 | 5,135 |
| Average equity | $11,747,330 | 4,747 |
| Average total loans | $86,166,670 | 4,246 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4489% | 2,824 |
| Cost of funding earning assets | 1.6551% | 2,623 |
| Net interest margin | 3.7938% | 3,820 |
| Noninterest income to average assets | 0.4671% | 4,324 |
| Noninterest expense to average assets | 2.0979% | 6,946 |
| Loan and lease loss provision to assets | 3.7448% | 245 |
| Net operating income to assets | -1.9368% | 7,448 |
| Return on assets (ROA) | -1.9368% | 7,450 |
| Pretax return on assets | -1.9328% | 7,394 |
| Return on Equity (ROE) | -16.3369% | 7,348 |
| Retained earnings to average equity (ytd only) | -21.4316% | 7,404 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6560% | 7,005 |
| Assets per employee ($millions) | 7.1331% | 773 |
| Cash dividends to net income (ytd only)* | -31.1850% | 7,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2335% | 1,687 |
| Loan loss allowance to noncurrent loans | 148.3308% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 1.4790% | 4,294 |
| Noncurrent loans to loans | 1.5057% | 4,489 |
| Net loans and leases to total assets | 85.6935% | 232 |
| Net loans and leases to deposits | 106.1789% | 413 |
| Net loans and leases to core deposits | 156.1311% | 205 |
| Total domestic deposits to total assets | 80.7068% | 5,559 |
| Equity capital to assets | 11.4806% | 2,380 |
| Core capital (leverage) ratio | 11.4388% | 1,951 |
| Tier 1 risk-based capital ratio | 13.2542% | 4,165 |
| Total risk-based capital ratio | 14.5086% | 4,104 |
| Memoranda: | ||
| Average total assets | $99,338,500 | 5,169 |
| Average earning assets | $90,146,000 | 5,163 |
| Average equity | $11,777,000 | 4,773 |
| Average total loans | $86,888,000 | 4,292 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7261% | 2,981 |
| Cost of funding earning assets | 1.9156% | 3,380 |
| Net interest margin | 3.8105% | 3,658 |
| Noninterest income to average assets | 0.8218% | 2,299 |
| Noninterest expense to average assets | 2.3008% | 6,747 |
| Loan and lease loss provision to assets | 0.5468% | 3,635 |
| Net operating income to assets | 1.4928% | 684 |
| Return on assets (ROA) | 1.4928% | 735 |
| Pretax return on assets | 1.4949% | 1,199 |
| Return on Equity (ROE) | 12.6781% | 1,028 |
| Retained earnings to average equity (ytd only) | 2.5338% | 3,376 |
| Net charge-offs to loans | 0.6377% | 3,285 |
| Credit loss provision to net charge-offs | 96.0821% | 5,775 |
| Earnings coverage of net charge-offs (x) | 3.5877% | 3,285 |
| Efficiency ratio | 52.9829% | 7,322 |
| Assets per employee ($millions) | 6.5875% | 950 |
| Cash dividends to net income (ytd only)* | 80.0142% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 5,425 |
| Loan loss allowance to noncurrent loans | 108.0084% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 1.1213% | 4,848 |
| Noncurrent loans to loans | 1.1004% | 5,121 |
| Net loans and leases to total assets | 86.2427% | 265 |
| Net loans and leases to deposits | 107.0227% | 502 |
| Net loans and leases to core deposits | 154.0501% | 428 |
| Total domestic deposits to total assets | 80.5835% | 5,479 |
| Equity capital to assets | 12.2342% | 1,889 |
| Core capital (leverage) ratio | 12.2083% | 1,575 |
| Tier 1 risk-based capital ratio | 14.0674% | 3,459 |
| Total risk-based capital ratio | 15.2605% | 3,447 |
| Memoranda: | ||
| Average total assets | $94,186,000 | 5,266 |
| Average earning assets | $87,022,000 | 5,226 |
| Average equity | $11,090,000 | 4,999 |
| Average total loans | $84,053,000 | 4,383 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7651% | 3,041 |
| Cost of funding earning assets | 1.9546% | 3,597 |
| Net interest margin | 3.8104% | 3,614 |
| Noninterest income to average assets | 0.9101% | 1,938 |
| Noninterest expense to average assets | 2.3132% | 6,664 |
| Loan and lease loss provision to assets | 0.5590% | 3,151 |
| Net operating income to assets | 1.5737% | 702 |
| Return on assets (ROA) | 1.5737% | 755 |
| Pretax return on assets | 1.5751% | 1,232 |
| Return on Equity (ROE) | 13.5049% | 1,010 |
| Retained earnings to average equity (ytd only) | 5.1658% | 2,393 |
| Net charge-offs to loans | 0.3688% | 3,809 |
| Credit loss provision to net charge-offs | 168.8312% | 2,768 |
| Earnings coverage of net charge-offs (x) | 6.4459% | 2,607 |
| Efficiency ratio | 52.0142% | 7,413 |
| Assets per employee ($millions) | 6.4601% | 1,001 |
| Cash dividends to net income (ytd only)* | 61.7490% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4236% | 3,815 |
| Loan loss allowance to noncurrent loans | 40,166.6667% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 7,114 |
| Noncurrent loans to loans | 0.0035% | 7,530 |
| Net loans and leases to total assets | 86.1054% | 335 |
| Net loans and leases to deposits | 106.3759% | 634 |
| Net loans and leases to core deposits | 156.2491% | 457 |
| Total domestic deposits to total assets | 80.9445% | 5,101 |
| Equity capital to assets | 12.6211% | 1,873 |
| Core capital (leverage) ratio | 12.7832% | 1,453 |
| Tier 1 risk-based capital ratio | 14.5326% | 3,261 |
| Total risk-based capital ratio | 15.7761% | 3,210 |
| Memoranda: | ||
| Average total assets | $93,029,250 | 5,335 |
| Average earning assets | $86,357,250 | 5,293 |
| Average equity | $10,840,250 | 5,101 |
| Average total loans | $83,505,250 | 4,433 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7557% | 3,269 |
| Cost of funding earning assets | 1.9790% | 3,875 |
| Net interest margin | 3.7767% | 3,645 |
| Noninterest income to average assets | 0.9462% | 1,772 |
| Noninterest expense to average assets | 2.3632% | 6,581 |
| Loan and lease loss provision to assets | 0.5995% | 2,651 |
| Net operating income to assets | 1.5239% | 799 |
| Return on assets (ROA) | 1.5239% | 854 |
| Pretax return on assets | 1.5239% | 1,381 |
| Return on Equity (ROE) | 13.4721% | 1,080 |
| Retained earnings to average equity (ytd only) | 4.7220% | 2,674 |
| Net charge-offs to loans | 0.5413% | 2,703 |
| Credit loss provision to net charge-offs | 122.2222% | 3,804 |
| Earnings coverage of net charge-offs (x) | 4.3289% | 3,133 |
| Efficiency ratio | 52.6725% | 7,463 |
| Assets per employee ($millions) | 6.1119% | 1,148 |
| Cash dividends to net income (ytd only)* | 64.9499% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3200% | 4,161 |
| Loan loss allowance to noncurrent loans | 5,219.0476% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 7,032 |
| Noncurrent loans to loans | 0.0253% | 7,475 |
| Net loans and leases to total assets | 89.3694% | 159 |
| Net loans and leases to deposits | 115.6299% | 341 |
| Net loans and leases to core deposits | 168.0194% | 345 |
| Total domestic deposits to total assets | 77.2892% | 6,260 |
| Equity capital to assets | 13.1415% | 1,641 |
| Core capital (leverage) ratio | 13.1173% | 1,394 |
| Tier 1 risk-based capital ratio | 14.7097% | 3,140 |
| Total risk-based capital ratio | 15.9525% | 3,079 |
| Memoranda: | ||
| Average total assets | $91,738,670 | 5,413 |
| Average earning assets | $86,001,330 | 5,339 |
| Average equity | $10,377,000 | 5,258 |
| Average total loans | $83,126,330 | 4,495 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7677% | 3,444 |
| Cost of funding earning assets | 2.0356% | 3,949 |
| Net interest margin | 3.7320% | 3,749 |
| Noninterest income to average assets | 0.7628% | 2,523 |
| Noninterest expense to average assets | 2.3189% | 6,475 |
| Loan and lease loss provision to assets | 0.1308% | 5,281 |
| Net operating income to assets | 1.8133% | 516 |
| Return on assets (ROA) | 1.8133% | 572 |
| Pretax return on assets | 1.8133% | 953 |
| Return on Equity (ROE) | 17.4396% | 642 |
| Retained earnings to average equity (ytd only) | 9.6421% | 1,300 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3967% | 7,179 |
| Assets per employee ($millions) | 6.4623% | 980 |
| Cash dividends to net income (ytd only)* | 44.7115% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 4,120 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 90.9066% | 102 |
| Net loans and leases to deposits | 114.0961% | 441 |
| Net loans and leases to core deposits | 163.2493% | 447 |
| Total domestic deposits to total assets | 79.6755% | 5,478 |
| Equity capital to assets | 10.6652% | 3,316 |
| Core capital (leverage) ratio | 10.4730% | 2,964 |
| Tier 1 risk-based capital ratio | 11.6287% | 5,272 |
| Total risk-based capital ratio | 12.8707% | 5,190 |
| Memoranda: | ||
| Average total assets | $91,768,500 | 5,432 |
| Average earning assets | $86,066,000 | 5,355 |
| Average equity | $9,541,500 | 5,523 |
| Average total loans | $83,175,000 | 4,525 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3299% | 3,792 |
| Cost of funding earning assets | 2.3926% | 4,747 |
| Net interest margin | 3.9373% | 3,411 |
| Noninterest income to average assets | 0.3810% | 5,635 |
| Noninterest expense to average assets | 2.0061% | 7,428 |
| Loan and lease loss provision to assets | 0.1464% | 5,486 |
| Net operating income to assets | 1.8960% | 432 |
| Return on assets (ROA) | 1.8960% | 423 |
| Pretax return on assets | 1.9048% | 759 |
| Return on Equity (ROE) | 17.8597% | 537 |
| Retained earnings to average equity (ytd only) | 0.7779% | 4,756 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4437% | 7,697 |
| Assets per employee ($millions) | 6.6475% | 830 |
| Cash dividends to net income (ytd only)* | 95.6446% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2598% | 4,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 88.0922% | 359 |
| Net loans and leases to deposits | 106.2039% | 1,104 |
| Net loans and leases to core deposits | 150.8927% | 820 |
| Total domestic deposits to total assets | 82.9463% | 3,793 |
| Equity capital to assets | 10.1370% | 3,876 |
| Core capital (leverage) ratio | 10.0896% | 3,366 |
| Tier 1 risk-based capital ratio | 11.3165% | 5,422 |
| Total risk-based capital ratio | 12.5584% | 5,329 |
| Memoranda: | ||
| Average total assets | $90,824,600 | 5,328 |
| Average earning assets | $84,804,400 | 5,277 |
| Average equity | $9,641,800 | 5,524 |
| Average total loans | $79,340,600 | 4,541 |