Home > The Ottoville Bank Company > Performance and Condition Ratios
The Ottoville Bank Company, 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 | 4.0736% | 3,848 |
| Cost of funding earning assets | 0.4952% | 4,200 |
| Net interest margin | 3.5784% | 2,008 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 1.9171% | 3,804 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.2587% | 1,525 |
| Return on assets (ROA) | 1.2587% | 1,494 |
| Pretax return on assets | 1.4442% | 1,544 |
| Return on Equity (ROE) | 6.4600% | 3,428 |
| Retained earnings to average equity (ytd only) | 2.2430% | 3,519 |
| Net charge-offs to loans | -0.0023% | 3,707 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.8784% | 3,509 |
| Assets per employee ($millions) | 9.4499% | 843 |
| Cash dividends to net income (ytd only)* | 65.2855% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4055% | 218 |
| Loan loss allowance to noncurrent loans | 2,631.7073% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0482% | 3,273 |
| Noncurrent loans to loans | 0.0914% | 3,086 |
| Net loans and leases to total assets | 51.4700% | 3,509 |
| Net loans and leases to deposits | 66.9742% | 3,111 |
| Net loans and leases to core deposits | 73.2388% | 3,112 |
| Total domestic deposits to total assets | 76.8500% | 3,862 |
| Equity capital to assets | 20.5105% | 271 |
| Core capital (leverage) ratio | 22.0529% | 203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $86,277,600 | 3,957 |
| Average earning assets | $76,737,200 | 3,962 |
| Average equity | $16,808,000 | 3,109 |
| Average total loans | $42,663,200 | 3,954 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9422% | 3,935 |
| Cost of funding earning assets | 0.4226% | 4,230 |
| Net interest margin | 3.5196% | 2,171 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 1.8063% | 3,963 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.3135% | 1,522 |
| Return on assets (ROA) | 1.3135% | 1,503 |
| Pretax return on assets | 1.4952% | 1,567 |
| Return on Equity (ROE) | 6.8300% | 3,476 |
| Retained earnings to average equity (ytd only) | 1.1532% | 3,915 |
| Net charge-offs to loans | -0.0032% | 3,653 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.5861% | 3,619 |
| Assets per employee ($millions) | 9.5214% | 784 |
| Cash dividends to net income (ytd only)* | 83.1184% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5026% | 195 |
| 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 | 48.3700% | 3,719 |
| Net loans and leases to deposits | 61.8422% | 3,406 |
| Net loans and leases to core deposits | 67.4592% | 3,353 |
| Total domestic deposits to total assets | 78.2200% | 3,794 |
| Equity capital to assets | 19.1136% | 309 |
| Core capital (leverage) ratio | 20.7645% | 249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $86,584,750 | 3,966 |
| Average earning assets | $76,976,750 | 3,974 |
| Average equity | $16,649,000 | 3,107 |
| Average total loans | $42,115,000 | 3,972 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0566% | 3,574 |
| Cost of funding earning assets | 0.3314% | 4,268 |
| Net interest margin | 3.7253% | 1,773 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 1.7748% | 4,048 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.5239% | 1,059 |
| Return on assets (ROA) | 1.5239% | 1,055 |
| Pretax return on assets | 1.7058% | 1,204 |
| Return on Equity (ROE) | 7.9100% | 3,256 |
| Retained earnings to average equity (ytd only) | 3.7756% | 3,259 |
| Net charge-offs to loans | -0.0048% | 3,704 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.0000% | 3,931 |
| Assets per employee ($millions) | 9.5921% | 757 |
| Cash dividends to net income (ytd only)* | 52.2659% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5968% | 195 |
| Loan loss allowance to noncurrent loans | 1,589.3939% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 3,011 |
| Noncurrent loans to loans | 0.1634% | 2,658 |
| Net loans and leases to total assets | 45.5800% | 3,816 |
| Net loans and leases to deposits | 58.7479% | 3,498 |
| Net loans and leases to core deposits | 64.0518% | 3,445 |
| Total domestic deposits to total assets | 77.5800% | 3,889 |
| Equity capital to assets | 19.6585% | 289 |
| Core capital (leverage) ratio | 21.8892% | 200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $86,882,000 | 3,982 |
| Average earning assets | $77,256,333 | 3,989 |
| Average equity | $16,739,000 | 3,124 |
| Average total loans | $41,981,667 | 3,988 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9404% | 3,585 |
| Cost of funding earning assets | 0.2269% | 4,333 |
| Net interest margin | 3.7135% | 1,871 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.7164% | 4,177 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.5650% | 1,046 |
| Return on assets (ROA) | 1.5650% | 1,042 |
| Pretax return on assets | 1.7439% | 1,183 |
| Return on Equity (ROE) | 8.2100% | 3,241 |
| Retained earnings to average equity (ytd only) | -0.1203% | 4,049 |
| Net charge-offs to loans | -0.0094% | 3,829 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.6346% | 4,049 |
| Assets per employee ($millions) | 9.6457% | 768 |
| Cash dividends to net income (ytd only)* | 101.4663% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4838% | 226 |
| Loan loss allowance to noncurrent loans | 1,520.5882% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 3,012 |
| Noncurrent loans to loans | 0.1633% | 2,673 |
| Net loans and leases to total assets | 46.7600% | 3,729 |
| Net loans and leases to deposits | 60.1603% | 3,323 |
| Net loans and leases to core deposits | 65.7952% | 3,240 |
| Total domestic deposits to total assets | 77.7300% | 4,026 |
| Equity capital to assets | 19.4042% | 255 |
| Core capital (leverage) ratio | 21.5594% | 218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $87,158,500 | 4,028 |
| Average earning assets | $77,555,500 | 4,037 |
| Average equity | $16,623,000 | 3,164 |
| Average total loans | $42,774,500 | 4,022 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3776% | 3,407 |
| Cost of funding earning assets | 0.1607% | 4,056 |
| Net interest margin | 3.2169% | 2,819 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 1.7478% | 4,091 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.1797% | 1,862 |
| Return on assets (ROA) | 1.1797% | 1,791 |
| Pretax return on assets | 1.3616% | 1,896 |
| Return on Equity (ROE) | 6.2900% | 3,773 |
| Retained earnings to average equity (ytd only) | 4.5765% | 3,211 |
| Net charge-offs to loans | -0.0023% | 3,472 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.0246% | 3,679 |
| Assets per employee ($millions) | 9.7229% | 737 |
| Cash dividends to net income (ytd only)* | 27.2469% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3179% | 255 |
| Loan loss allowance to noncurrent loans | 1,454.2857% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 2,998 |
| Noncurrent loans to loans | 0.1594% | 2,701 |
| Net loans and leases to total assets | 49.0300% | 3,583 |
| Net loans and leases to deposits | 62.5138% | 3,157 |
| Net loans and leases to core deposits | 68.2566% | 2,996 |
| Total domestic deposits to total assets | 78.4300% | 4,054 |
| Equity capital to assets | 18.7427% | 263 |
| Core capital (leverage) ratio | 21.2117% | 219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $89,598,000 | 4,021 |
| Average earning assets | $79,641,600 | 4,039 |
| Average equity | $16,803,400 | 3,221 |
| Average total loans | $43,735,400 | 3,997 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2062% | 3,418 |
| Cost of funding earning assets | 0.1584% | 3,745 |
| Net interest margin | 3.0478% | 3,085 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 1.6585% | 4,229 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.1910% | 1,734 |
| Return on assets (ROA) | 1.1910% | 1,709 |
| Pretax return on assets | 1.3138% | 1,998 |
| Return on Equity (ROE) | 6.3500% | 3,727 |
| Retained earnings to average equity (ytd only) | 4.0778% | 3,415 |
| Net charge-offs to loans | -0.0031% | 3,354 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.5764% | 3,770 |
| Assets per employee ($millions) | 10.9983% | 494 |
| Cash dividends to net income (ytd only)* | 35.7764% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3113% | 289 |
| Loan loss allowance to noncurrent loans | 1,373.9726% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.0830% | 3,088 |
| Noncurrent loans to loans | 0.1682% | 2,751 |
| Net loans and leases to total assets | 48.1800% | 3,612 |
| Net loans and leases to deposits | 60.9743% | 3,113 |
| Net loans and leases to core deposits | 66.4967% | 2,914 |
| Total domestic deposits to total assets | 79.0200% | 4,179 |
| Equity capital to assets | 18.1631% | 264 |
| Core capital (leverage) ratio | 20.1013% | 235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $90,121,000 | 4,041 |
| Average earning assets | $79,968,500 | 4,063 |
| Average equity | $16,904,000 | 3,247 |
| Average total loans | $43,689,250 | 4,025 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0269% | 3,486 |
| Cost of funding earning assets | 0.1636% | 3,392 |
| Net interest margin | 2.8633% | 3,260 |
| Noninterest income to average assets | 0.3787% | 2,881 |
| Noninterest expense to average assets | 1.6690% | 4,182 |
| Loan and lease loss provision to assets | 0.0661% | 1,426 |
| Net operating income to assets | 1.0569% | 1,948 |
| Return on assets (ROA) | 1.0569% | 1,915 |
| Pretax return on assets | 1.1868% | 2,120 |
| Return on Equity (ROE) | 5.5776% | 3,683 |
| Retained earnings to average equity (ytd only) | 5.5776% | 2,480 |
| Net charge-offs to loans | -0.0046% | 3,306 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1213% | 3,671 |
| Assets per employee ($millions) | 10.1516% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2429% | 354 |
| Loan loss allowance to noncurrent loans | 1,283.1169% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.0843% | 3,137 |
| Noncurrent loans to loans | 0.1748% | 2,819 |
| Net loans and leases to total assets | 47.1334% | 3,619 |
| Net loans and leases to deposits | 59.6217% | 3,083 |
| Net loans and leases to core deposits | 64.8002% | 2,911 |
| Total domestic deposits to total assets | 79.0541% | 4,296 |
| Equity capital to assets | 18.1056% | 222 |
| Core capital (leverage) ratio | 19.8419% | 200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,832,667 | 4,073 |
| Average earning assets | $80,676,000 | 4,113 |
| Average equity | $17,211,667 | 3,301 |
| Average total loans | $43,787,000 | 4,074 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9636% | 3,361 |
| Cost of funding earning assets | 0.1846% | 3,020 |
| Net interest margin | 2.7790% | 3,204 |
| Noninterest income to average assets | 0.5256% | 2,016 |
| Noninterest expense to average assets | 1.7048% | 4,126 |
| Loan and lease loss provision to assets | 0.0662% | 1,234 |
| Net operating income to assets | 1.0776% | 1,596 |
| Return on assets (ROA) | 1.0776% | 1,590 |
| Pretax return on assets | 1.2146% | 1,755 |
| Return on Equity (ROE) | 5.5624% | 3,467 |
| Retained earnings to average equity (ytd only) | 5.5624% | 2,393 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1006% | 3,769 |
| Assets per employee ($millions) | 8.3875% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1677% | 466 |
| Loan loss allowance to noncurrent loans | 1,263.6364% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.0835% | 3,243 |
| Noncurrent loans to loans | 0.1715% | 2,956 |
| Net loans and leases to total assets | 47.5955% | 3,427 |
| Net loans and leases to deposits | 60.5722% | 2,845 |
| Net loans and leases to core deposits | 65.8119% | 2,645 |
| Total domestic deposits to total assets | 78.5765% | 4,372 |
| Equity capital to assets | 18.5242% | 206 |
| Core capital (leverage) ratio | 19.7146% | 180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,567,500 | 4,091 |
| Average earning assets | $80,174,000 | 4,138 |
| Average equity | $17,546,500 | 3,355 |
| Average total loans | $43,655,000 | 4,084 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0177% | 3,844 |
| Cost of funding earning assets | 0.2603% | 2,807 |
| Net interest margin | 2.7574% | 3,763 |
| Noninterest income to average assets | 0.5985% | 2,161 |
| Noninterest expense to average assets | 1.8944% | 3,932 |
| Loan and lease loss provision to assets | 0.0675% | 1,721 |
| Net operating income to assets | 0.9539% | 2,853 |
| Return on assets (ROA) | 0.9539% | 2,927 |
| Pretax return on assets | 1.0676% | 3,075 |
| Return on Equity (ROE) | 4.7080% | 4,059 |
| Retained earnings to average equity (ytd only) | 1.8821% | 4,015 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5325% | 2,791 |
| Assets per employee ($millions) | 8.8872% | 955 |
| Cash dividends to net income (ytd only)* | 60.0236% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2558% | 412 |
| Loan loss allowance to noncurrent loans | 1,181.4815% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.0911% | 3,301 |
| Noncurrent loans to loans | 0.1909% | 2,992 |
| Net loans and leases to total assets | 46.6592% | 3,637 |
| Net loans and leases to deposits | 61.0905% | 2,981 |
| Net loans and leases to core deposits | 69.9995% | 2,445 |
| Total domestic deposits to total assets | 76.3773% | 4,492 |
| Equity capital to assets | 20.2561% | 175 |
| Core capital (leverage) ratio | 19.7830% | 177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,894,200 | 4,107 |
| Average earning assets | $78,371,000 | 4,149 |
| Average equity | $18,011,800 | 3,383 |
| Average total loans | $41,330,600 | 4,156 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9829% | 4,037 |
| Cost of funding earning assets | 0.2719% | 2,874 |
| Net interest margin | 2.7110% | 3,946 |
| Noninterest income to average assets | 0.6989% | 1,822 |
| Noninterest expense to average assets | 1.8702% | 4,008 |
| Loan and lease loss provision to assets | 0.0675% | 1,654 |
| Net operating income to assets | 1.0408% | 2,765 |
| Return on assets (ROA) | 1.0408% | 2,830 |
| Pretax return on assets | 1.1533% | 3,067 |
| Return on Equity (ROE) | 5.1365% | 4,094 |
| Retained earnings to average equity (ytd only) | 3.2344% | 3,817 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5046% | 2,910 |
| Assets per employee ($millions) | 8.9971% | 893 |
| Cash dividends to net income (ytd only)* | 37.0317% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3000% | 390 |
| Loan loss allowance to noncurrent loans | 1,134.9398% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 3,481 |
| Noncurrent loans to loans | 0.2027% | 3,143 |
| Net loans and leases to total assets | 44.4743% | 3,913 |
| Net loans and leases to deposits | 58.1025% | 3,399 |
| Net loans and leases to core deposits | 66.4353% | 2,913 |
| Total domestic deposits to total assets | 76.5447% | 4,518 |
| Equity capital to assets | 20.2799% | 182 |
| Core capital (leverage) ratio | 19.9457% | 183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,899,750 | 4,162 |
| Average earning assets | $78,444,000 | 4,200 |
| Average equity | $18,014,250 | 3,427 |
| Average total loans | $41,057,250 | 4,217 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9912% | 4,063 |
| Cost of funding earning assets | 0.2945% | 2,826 |
| Net interest margin | 2.6967% | 3,986 |
| Noninterest income to average assets | 0.6415% | 2,035 |
| Noninterest expense to average assets | 1.8703% | 4,038 |
| Loan and lease loss provision to assets | 0.0678% | 1,695 |
| Net operating income to assets | 0.9690% | 3,006 |
| Return on assets (ROA) | 0.9690% | 3,086 |
| Pretax return on assets | 1.0820% | 3,272 |
| Return on Equity (ROE) | 4.7834% | 4,173 |
| Retained earnings to average equity (ytd only) | 1.9178% | 4,134 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9297% | 2,738 |
| Assets per employee ($millions) | 9.9614% | 614 |
| Cash dividends to net income (ytd only)* | 59.9068% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2570% | 397 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 44.7793% | 3,990 |
| Net loans and leases to deposits | 58.6938% | 3,482 |
| Net loans and leases to core deposits | 67.1742% | 3,020 |
| Total domestic deposits to total assets | 76.2930% | 4,545 |
| Equity capital to assets | 20.0752% | 184 |
| Core capital (leverage) ratio | 19.6861% | 190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,542,667 | 4,190 |
| Average earning assets | $78,094,667 | 4,230 |
| Average equity | $17,937,000 | 3,431 |
| Average total loans | $41,091,000 | 4,256 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9949% | 4,096 |
| Cost of funding earning assets | 0.3362% | 2,655 |
| Net interest margin | 2.6587% | 4,043 |
| Noninterest income to average assets | 0.3637% | 3,270 |
| Noninterest expense to average assets | 1.9139% | 3,958 |
| Loan and lease loss provision to assets | 0.0682% | 1,788 |
| Net operating income to assets | 0.6046% | 3,930 |
| Return on assets (ROA) | 0.6046% | 3,993 |
| Pretax return on assets | 0.7183% | 3,980 |
| Return on Equity (ROE) | 2.9710% | 4,475 |
| Retained earnings to average equity (ytd only) | 2.9710% | 3,792 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8754% | 1,614 |
| Assets per employee ($millions) | 9.8393% | 624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2348% | 401 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 45.0539% | 4,035 |
| Net loans and leases to deposits | 59.0655% | 3,555 |
| Net loans and leases to core deposits | 67.7219% | 3,084 |
| Total domestic deposits to total assets | 76.2778% | 4,567 |
| Equity capital to assets | 20.1651% | 181 |
| Core capital (leverage) ratio | 19.6590% | 198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,987,500 | 4,215 |
| Average earning assets | $77,330,500 | 4,260 |
| Average equity | $17,906,500 | 3,428 |
| Average total loans | $41,100,000 | 4,279 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5681% | 3,883 |
| Cost of funding earning assets | 0.4710% | 3,146 |
| Net interest margin | 3.0971% | 3,634 |
| Noninterest income to average assets | 0.4559% | 2,842 |
| Noninterest expense to average assets | 1.8848% | 4,346 |
| Loan and lease loss provision to assets | 0.0720% | 3,482 |
| Net operating income to assets | 1.0634% | 2,054 |
| Return on assets (ROA) | 1.1014% | 2,041 |
| Pretax return on assets | 1.2561% | 2,135 |
| Return on Equity (ROE) | 5.2047% | 3,848 |
| Retained earnings to average equity (ytd only) | 2.0808% | 3,793 |
| Net charge-offs to loans | -0.0093% | 4,250 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4625% | 3,524 |
| Assets per employee ($millions) | 9.7134% | 581 |
| Cash dividends to net income (ytd only)* | 60.0218% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1671% | 438 |
| Loan loss allowance to noncurrent loans | 1,007.8652% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 3,800 |
| Noncurrent loans to loans | 0.2150% | 3,431 |
| Net loans and leases to total assets | 46.3207% | 4,107 |
| Net loans and leases to deposits | 61.4188% | 3,647 |
| Net loans and leases to core deposits | 73.9238% | 2,923 |
| Total domestic deposits to total assets | 75.4178% | 4,545 |
| Equity capital to assets | 20.5397% | 177 |
| Core capital (leverage) ratio | 19.8191% | 195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,350,000 | 4,203 |
| Average earning assets | $73,035,400 | 4,254 |
| Average equity | $17,637,800 | 3,405 |
| Average total loans | $42,977,400 | 4,255 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6739% | 3,849 |
| Cost of funding earning assets | 0.4916% | 3,280 |
| Net interest margin | 3.1823% | 3,538 |
| Noninterest income to average assets | 0.3968% | 3,095 |
| Noninterest expense to average assets | 1.8915% | 4,343 |
| Loan and lease loss provision to assets | 0.0729% | 3,412 |
| Net operating income to assets | 1.0660% | 2,087 |
| Return on assets (ROA) | 1.1125% | 2,062 |
| Pretax return on assets | 1.2745% | 2,142 |
| Return on Equity (ROE) | 5.2168% | 3,823 |
| Retained earnings to average equity (ytd only) | 2.9919% | 3,525 |
| Net charge-offs to loans | -0.0031% | 3,953 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3798% | 3,472 |
| Assets per employee ($millions) | 7.7765% | 1,085 |
| Cash dividends to net income (ytd only)* | 42.6492% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0983% | 420 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 47.8893% | 4,219 |
| Net loans and leases to deposits | 63.9648% | 3,797 |
| Net loans and leases to core deposits | 77.8077% | 3,025 |
| Total domestic deposits to total assets | 74.8682% | 4,511 |
| Equity capital to assets | 20.9759% | 179 |
| Core capital (leverage) ratio | 20.3838% | 185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,332,250 | 4,224 |
| Average earning assets | $72,147,750 | 4,271 |
| Average equity | $17,558,250 | 3,413 |
| Average total loans | $43,374,000 | 4,271 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8458% | 3,754 |
| Cost of funding earning assets | 0.5143% | 3,443 |
| Net interest margin | 3.3316% | 3,304 |
| Noninterest income to average assets | 0.4553% | 2,786 |
| Noninterest expense to average assets | 1.9148% | 4,391 |
| Loan and lease loss provision to assets | 0.0738% | 3,376 |
| Net operating income to assets | 1.2035% | 1,628 |
| Return on assets (ROA) | 1.2035% | 1,757 |
| Pretax return on assets | 1.3684% | 1,806 |
| Return on Equity (ROE) | 5.6110% | 3,623 |
| Retained earnings to average equity (ytd only) | 2.2490% | 3,660 |
| Net charge-offs to loans | -0.0046% | 3,993 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0381% | 3,813 |
| Assets per employee ($millions) | 8.4385% | 828 |
| Cash dividends to net income (ytd only)* | 59.9182% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1053% | 373 |
| Loan loss allowance to noncurrent loans | 938.0435% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 3,984 |
| Noncurrent loans to loans | 0.2244% | 3,576 |
| Net loans and leases to total assets | 47.5535% | 4,282 |
| Net loans and leases to deposits | 64.3603% | 3,854 |
| Net loans and leases to core deposits | 78.7410% | 3,048 |
| Total domestic deposits to total assets | 73.8864% | 4,603 |
| Equity capital to assets | 21.0677% | 175 |
| Core capital (leverage) ratio | 20.4712% | 189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,262,667 | 4,237 |
| Average earning assets | $70,777,667 | 4,295 |
| Average equity | $17,430,000 | 3,425 |
| Average total loans | $43,884,333 | 4,265 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1018% | 3,520 |
| Cost of funding earning assets | 0.5171% | 3,860 |
| Net interest margin | 3.5847% | 2,720 |
| Noninterest income to average assets | 0.2961% | 3,750 |
| Noninterest expense to average assets | 1.9573% | 4,475 |
| Loan and lease loss provision to assets | 0.0753% | 2,791 |
| Net operating income to assets | 1.1894% | 1,550 |
| Return on assets (ROA) | 1.1894% | 1,667 |
| Pretax return on assets | 1.3601% | 1,687 |
| Return on Equity (ROE) | 5.4937% | 3,478 |
| Retained earnings to average equity (ytd only) | 5.4937% | 2,073 |
| Net charge-offs to loans | -0.0088% | 4,032 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6923% | 4,040 |
| Assets per employee ($millions) | 8.2184% | 684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8770% | 636 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 53.9412% | 3,995 |
| Net loans and leases to deposits | 72.7405% | 3,384 |
| Net loans and leases to core deposits | 89.4835% | 2,397 |
| Total domestic deposits to total assets | 74.1556% | 4,649 |
| Equity capital to assets | 20.9871% | 201 |
| Core capital (leverage) ratio | 22.4776% | 161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,701,500 | 4,271 |
| Average earning assets | $68,848,500 | 4,334 |
| Average equity | $17,256,000 | 3,446 |
| Average total loans | $45,331,000 | 4,242 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3722% | 3,328 |
| Cost of funding earning assets | 0.5955% | 3,664 |
| Net interest margin | 3.7766% | 2,583 |
| Noninterest income to average assets | 0.2625% | 4,107 |
| Noninterest expense to average assets | 1.9621% | 4,596 |
| Loan and lease loss provision to assets | 0.0754% | 2,488 |
| Net operating income to assets | 1.3228% | 1,602 |
| Return on assets (ROA) | 1.3228% | 1,682 |
| Pretax return on assets | 1.5149% | 1,760 |
| Return on Equity (ROE) | 6.2292% | 3,840 |
| Retained earnings to average equity (ytd only) | 2.4964% | 3,786 |
| Net charge-offs to loans | 0.0598% | 2,249 |
| Credit loss provision to net charge-offs | 214.2857% | 1,231 |
| Earnings coverage of net charge-offs (x) | 45.2143% | 1,209 |
| Efficiency ratio | 55.2334% | 4,299 |
| Assets per employee ($millions) | 7.7219% | 792 |
| Cash dividends to net income (ytd only)* | 59.9240% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8293% | 627 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 57.8239% | 3,781 |
| Net loans and leases to deposits | 80.4653% | 2,726 |
| Net loans and leases to core deposits | 91.4286% | 2,286 |
| Total domestic deposits to total assets | 71.8618% | 4,872 |
| Equity capital to assets | 22.3572% | 171 |
| Core capital (leverage) ratio | 21.7231% | 180 |
| Tier 1 risk-based capital ratio | 33.5639% | 371 |
| Total risk-based capital ratio | 34.8189% | 362 |
| Memoranda: | ||
| Average total assets | $79,606,600 | 4,292 |
| Average earning assets | $69,348,000 | 4,356 |
| Average equity | $16,904,200 | 3,447 |
| Average total loans | $46,858,800 | 4,242 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3437% | 3,535 |
| Cost of funding earning assets | 0.6105% | 3,645 |
| Net interest margin | 3.7333% | 2,811 |
| Noninterest income to average assets | 0.2477% | 4,255 |
| Noninterest expense to average assets | 1.9467% | 4,651 |
| Loan and lease loss provision to assets | 0.0748% | 2,396 |
| Net operating income to assets | 1.3000% | 1,863 |
| Return on assets (ROA) | 1.3000% | 1,944 |
| Pretax return on assets | 1.4895% | 1,987 |
| Return on Equity (ROE) | 6.2009% | 3,983 |
| Retained earnings to average equity (ytd only) | 3.7586% | 3,514 |
| Net charge-offs to loans | 0.0791% | 1,692 |
| Credit loss provision to net charge-offs | 160.7143% | 1,551 |
| Earnings coverage of net charge-offs (x) | 33.6094% | 1,523 |
| Efficiency ratio | 55.4451% | 4,222 |
| Assets per employee ($millions) | 7.8369% | 734 |
| Cash dividends to net income (ytd only)* | 39.3866% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7622% | 729 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 58.1174% | 3,874 |
| Net loans and leases to deposits | 80.4586% | 2,852 |
| Net loans and leases to core deposits | 92.3910% | 2,328 |
| Total domestic deposits to total assets | 72.2326% | 4,903 |
| Equity capital to assets | 22.1440% | 179 |
| Core capital (leverage) ratio | 21.5055% | 184 |
| Tier 1 risk-based capital ratio | 32.9871% | 400 |
| Total risk-based capital ratio | 34.2400% | 393 |
| Memoranda: | ||
| Average total assets | $80,203,500 | 4,334 |
| Average earning assets | $70,107,000 | 4,398 |
| Average equity | $16,814,250 | 3,479 |
| Average total loans | $47,202,750 | 4,288 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3209% | 3,582 |
| Cost of funding earning assets | 0.6278% | 3,516 |
| Net interest margin | 3.6931% | 2,951 |
| Noninterest income to average assets | 0.2425% | 4,301 |
| Noninterest expense to average assets | 1.9402% | 4,695 |
| Loan and lease loss provision to assets | 0.0742% | 2,331 |
| Net operating income to assets | 1.2720% | 1,875 |
| Return on assets (ROA) | 1.2720% | 1,939 |
| Pretax return on assets | 1.4601% | 1,993 |
| Return on Equity (ROE) | 6.1800% | 3,989 |
| Retained earnings to average equity (ytd only) | 2.4768% | 3,950 |
| Net charge-offs to loans | 0.1179% | 1,250 |
| Credit loss provision to net charge-offs | 107.1429% | 1,866 |
| Earnings coverage of net charge-offs (x) | 22.1429% | 1,705 |
| Efficiency ratio | 55.8405% | 4,265 |
| Assets per employee ($millions) | 8.0086% | 670 |
| Cash dividends to net income (ytd only)* | 59.9222% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6967% | 826 |
| Loan loss allowance to noncurrent loans | 1,336.6667% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0749% | 4,388 |
| Noncurrent loans to loans | 0.1269% | 4,107 |
| Net loans and leases to total assets | 58.0214% | 3,912 |
| Net loans and leases to deposits | 79.9928% | 2,955 |
| Net loans and leases to core deposits | 93.3278% | 2,295 |
| Total domestic deposits to total assets | 72.5333% | 4,942 |
| Equity capital to assets | 21.1872% | 203 |
| Core capital (leverage) ratio | 20.9622% | 199 |
| Tier 1 risk-based capital ratio | 31.9637% | 419 |
| Total risk-based capital ratio | 33.2161% | 414 |
| Memoranda: | ||
| Average total assets | $80,815,000 | 4,361 |
| Average earning assets | $70,726,000 | 4,427 |
| Average equity | $16,634,330 | 3,500 |
| Average total loans | $47,482,670 | 4,314 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2715% | 3,643 |
| Cost of funding earning assets | 0.6287% | 3,416 |
| Net interest margin | 3.6429% | 3,102 |
| Noninterest income to average assets | 0.2414% | 4,277 |
| Noninterest expense to average assets | 1.9463% | 4,737 |
| Loan and lease loss provision to assets | 0.0739% | 2,197 |
| Net operating income to assets | 1.2318% | 1,941 |
| Return on assets (ROA) | 1.2318% | 1,989 |
| Pretax return on assets | 1.4191% | 2,014 |
| Return on Equity (ROE) | 6.0726% | 3,999 |
| Retained earnings to average equity (ytd only) | 6.0726% | 2,431 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5903% | 4,260 |
| Assets per employee ($millions) | 9.0047% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7132% | 832 |
| Loan loss allowance to noncurrent loans | 532.6797% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.1888% | 3,873 |
| Noncurrent loans to loans | 0.3216% | 3,414 |
| Net loans and leases to total assets | 57.6960% | 3,923 |
| Net loans and leases to deposits | 78.7278% | 2,978 |
| Net loans and leases to core deposits | 93.3219% | 2,183 |
| Total domestic deposits to total assets | 73.2855% | 4,981 |
| Equity capital to assets | 20.6189% | 218 |
| Core capital (leverage) ratio | 21.1722% | 192 |
| Tier 1 risk-based capital ratio | 31.9526% | 413 |
| Total risk-based capital ratio | 33.2070% | 410 |
| Memoranda: | ||
| Average total assets | $81,179,500 | 4,401 |
| Average earning assets | $71,262,500 | 4,462 |
| Average equity | $16,467,500 | 3,537 |
| Average total loans | $47,589,500 | 4,355 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2304% | 3,357 |
| Cost of funding earning assets | 0.5183% | 3,236 |
| Net interest margin | 3.7121% | 2,987 |
| Noninterest income to average assets | 0.3084% | 4,053 |
| Noninterest expense to average assets | 2.0124% | 4,732 |
| Loan and lease loss provision to assets | 0.0726% | 2,682 |
| Net operating income to assets | 1.2311% | 2,042 |
| Return on assets (ROA) | 1.2311% | 2,034 |
| Pretax return on assets | 1.4718% | 1,869 |
| Return on Equity (ROE) | 6.3369% | 4,054 |
| Retained earnings to average equity (ytd only) | 2.5335% | 4,134 |
| Net charge-offs to loans | -0.0042% | 4,322 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5794% | 4,332 |
| Assets per employee ($millions) | 8.1317% | 636 |
| Cash dividends to net income (ytd only)* | 60.0196% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6805% | 866 |
| Loan loss allowance to noncurrent loans | 522.8758% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 3,873 |
| Noncurrent loans to loans | 0.3214% | 3,397 |
| Net loans and leases to total assets | 57.5599% | 4,004 |
| Net loans and leases to deposits | 78.4401% | 3,116 |
| Net loans and leases to core deposits | 96.7426% | 1,987 |
| Total domestic deposits to total assets | 73.3807% | 4,983 |
| Equity capital to assets | 19.9528% | 234 |
| Core capital (leverage) ratio | 20.5395% | 215 |
| Tier 1 risk-based capital ratio | 31.4212% | 414 |
| Total risk-based capital ratio | 32.6751% | 409 |
| Memoranda: | ||
| Average total assets | $82,688,200 | 4,385 |
| Average earning assets | $72,357,600 | 4,452 |
| Average equity | $16,064,600 | 3,505 |
| Average total loans | $47,804,600 | 4,359 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2111% | 3,284 |
| Cost of funding earning assets | 0.4901% | 3,257 |
| Net interest margin | 3.7209% | 2,941 |
| Noninterest income to average assets | 0.2521% | 4,462 |
| Noninterest expense to average assets | 2.0072% | 4,728 |
| Loan and lease loss provision to assets | 0.0723% | 2,515 |
| Net operating income to assets | 1.1979% | 2,250 |
| Return on assets (ROA) | 1.1979% | 2,253 |
| Pretax return on assets | 1.4275% | 2,128 |
| Return on Equity (ROE) | 6.2070% | 4,196 |
| Retained earnings to average equity (ytd only) | 3.7775% | 3,890 |
| Net charge-offs to loans | -0.0028% | 4,127 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2344% | 4,218 |
| Assets per employee ($millions) | 8.1962% | 602 |
| Cash dividends to net income (ytd only)* | 39.1418% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6117% | 1,052 |
| Loan loss allowance to noncurrent loans | 512.4183% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.1867% | 4,003 |
| Noncurrent loans to loans | 0.3145% | 3,542 |
| Net loans and leases to total assets | 58.3929% | 3,994 |
| Net loans and leases to deposits | 79.2017% | 3,123 |
| Net loans and leases to core deposits | 99.4080% | 1,840 |
| Total domestic deposits to total assets | 73.7268% | 5,004 |
| Equity capital to assets | 19.5566% | 249 |
| Core capital (leverage) ratio | 20.3672% | 221 |
| Tier 1 risk-based capital ratio | 30.8222% | 440 |
| Total risk-based capital ratio | 32.0747% | 434 |
| Memoranda: | ||
| Average total assets | $83,031,000 | 4,419 |
| Average earning assets | $72,632,000 | 4,493 |
| Average equity | $16,024,500 | 3,540 |
| Average total loans | $47,854,250 | 4,404 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1897% | 3,148 |
| Cost of funding earning assets | 0.4426% | 3,402 |
| Net interest margin | 3.7470% | 2,762 |
| Noninterest income to average assets | 0.2470% | 4,527 |
| Noninterest expense to average assets | 2.0483% | 4,709 |
| Loan and lease loss provision to assets | 0.0720% | 2,450 |
| Net operating income to assets | 1.1680% | 2,319 |
| Return on assets (ROA) | 1.1680% | 2,320 |
| Pretax return on assets | 1.3959% | 2,164 |
| Return on Equity (ROE) | 6.0788% | 4,201 |
| Retained earnings to average equity (ytd only) | 2.4340% | 4,289 |
| Net charge-offs to loans | -0.0042% | 4,061 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2538% | 4,189 |
| Assets per employee ($millions) | 6.8373% | 1,002 |
| Cash dividends to net income (ytd only)* | 59.9589% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5967% | 1,118 |
| Loan loss allowance to noncurrent loans | 502.6144% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.1865% | 4,048 |
| Noncurrent loans to loans | 0.3177% | 3,571 |
| Net loans and leases to total assets | 57.7637% | 4,015 |
| Net loans and leases to deposits | 78.9861% | 3,054 |
| Net loans and leases to core deposits | 96.2706% | 2,042 |
| Total domestic deposits to total assets | 73.1316% | 5,113 |
| Equity capital to assets | 19.3947% | 247 |
| Core capital (leverage) ratio | 19.8142% | 236 |
| Tier 1 risk-based capital ratio | 30.5248% | 459 |
| Total risk-based capital ratio | 31.7774% | 454 |
| Memoranda: | ||
| Average total assets | $83,387,330 | 4,461 |
| Average earning assets | $72,750,670 | 4,531 |
| Average equity | $16,023,000 | 3,564 |
| Average total loans | $47,591,000 | 4,451 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1546% | 3,044 |
| Cost of funding earning assets | 0.4604% | 3,126 |
| Net interest margin | 3.6942% | 2,824 |
| Noninterest income to average assets | 0.2379% | 4,575 |
| Noninterest expense to average assets | 2.0653% | 4,731 |
| Loan and lease loss provision to assets | 0.0714% | 2,333 |
| Net operating income to assets | 1.0755% | 2,544 |
| Return on assets (ROA) | 1.0755% | 2,556 |
| Pretax return on assets | 1.3086% | 2,332 |
| Return on Equity (ROE) | 5.6226% | 4,273 |
| Retained earnings to average equity (ytd only) | 5.6226% | 2,884 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9448% | 4,073 |
| Assets per employee ($millions) | 7.1016% | 925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5483% | 1,291 |
| Loan loss allowance to noncurrent loans | 461.9632% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.1913% | 4,127 |
| Noncurrent loans to loans | 0.3352% | 3,566 |
| Net loans and leases to total assets | 56.1847% | 4,107 |
| Net loans and leases to deposits | 73.5394% | 3,463 |
| Net loans and leases to core deposits | 93.7518% | 2,162 |
| Total domestic deposits to total assets | 76.4008% | 4,929 |
| Equity capital to assets | 18.7353% | 265 |
| Core capital (leverage) ratio | 19.4144% | 235 |
| Tier 1 risk-based capital ratio | 30.0848% | 468 |
| Total risk-based capital ratio | 31.3371% | 462 |
| Memoranda: | ||
| Average total assets | $84,057,000 | 4,498 |
| Average earning assets | $72,979,000 | 4,575 |
| Average equity | $16,078,000 | 3,580 |
| Average total loans | $47,305,000 | 4,503 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1096% | 3,025 |
| Cost of funding earning assets | 0.3574% | 3,642 |
| Net interest margin | 3.7522% | 2,594 |
| Noninterest income to average assets | 0.2142% | 4,870 |
| Noninterest expense to average assets | 1.9949% | 4,968 |
| Loan and lease loss provision to assets | 0.0722% | 2,765 |
| Net operating income to assets | 1.0153% | 2,173 |
| Return on assets (ROA) | 1.0179% | 2,200 |
| Pretax return on assets | 1.4354% | 1,870 |
| Return on Equity (ROE) | 5.2272% | 4,074 |
| Retained earnings to average equity (ytd only) | 1.4273% | 4,432 |
| Net charge-offs to loans | -0.0044% | 4,619 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0151% | 4,655 |
| Assets per employee ($millions) | 6.9079% | 1,009 |
| Cash dividends to net income (ytd only)* | 72.6950% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6052% | 1,135 |
| Loan loss allowance to noncurrent loans | 439.2857% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.2027% | 4,122 |
| Noncurrent loans to loans | 0.3654% | 3,459 |
| Net loans and leases to total assets | 54.5739% | 4,308 |
| Net loans and leases to deposits | 72.9050% | 3,607 |
| Net loans and leases to core deposits | 93.2455% | 2,261 |
| Total domestic deposits to total assets | 74.8561% | 5,104 |
| Equity capital to assets | 19.5307% | 226 |
| Core capital (leverage) ratio | 19.2808% | 224 |
| Tier 1 risk-based capital ratio | 30.9231% | 422 |
| Total risk-based capital ratio | 32.1750% | 417 |
| Memoranda: | ||
| Average total assets | $83,111,600 | 4,530 |
| Average earning assets | $72,756,600 | 4,605 |
| Average equity | $16,184,600 | 3,570 |
| Average total loans | $45,057,200 | 4,590 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0517% | 3,171 |
| Cost of funding earning assets | 0.3419% | 3,749 |
| Net interest margin | 3.7098% | 2,719 |
| Noninterest income to average assets | 0.2148% | 4,933 |
| Noninterest expense to average assets | 1.9398% | 5,069 |
| Loan and lease loss provision to assets | 0.0721% | 2,632 |
| Net operating income to assets | 1.2541% | 1,495 |
| Return on assets (ROA) | 1.2569% | 1,511 |
| Pretax return on assets | 1.4589% | 1,915 |
| Return on Equity (ROE) | 6.4592% | 3,927 |
| Retained earnings to average equity (ytd only) | 3.7816% | 3,673 |
| Net charge-offs to loans | -0.0030% | 4,362 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9408% | 4,746 |
| Assets per employee ($millions) | 6.9580% | 973 |
| Cash dividends to net income (ytd only)* | 41.4537% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5838% | 1,275 |
| Loan loss allowance to noncurrent loans | 164.4647% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.5258% | 2,958 |
| Noncurrent loans to loans | 0.9630% | 2,000 |
| Net loans and leases to total assets | 53.7343% | 4,436 |
| Net loans and leases to deposits | 71.4359% | 3,834 |
| Net loans and leases to core deposits | 91.6212% | 2,479 |
| Total domestic deposits to total assets | 75.2204% | 5,105 |
| Equity capital to assets | 19.7471% | 233 |
| Core capital (leverage) ratio | 19.6142% | 221 |
| Tier 1 risk-based capital ratio | 31.4524% | 429 |
| Total risk-based capital ratio | 32.7023% | 428 |
| Memoranda: | ||
| Average total assets | $83,165,750 | 4,577 |
| Average earning assets | $72,921,500 | 4,649 |
| Average equity | $16,183,250 | 3,604 |
| Average total loans | $44,827,250 | 4,642 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1113% | 2,789 |
| Cost of funding earning assets | 0.3298% | 3,795 |
| Net interest margin | 3.7815% | 2,357 |
| Noninterest income to average assets | 0.2119% | 4,986 |
| Noninterest expense to average assets | 1.9481% | 5,089 |
| Loan and lease loss provision to assets | 0.0722% | 2,527 |
| Net operating income to assets | 1.3010% | 1,294 |
| Return on assets (ROA) | 1.3051% | 1,302 |
| Pretax return on assets | 1.5098% | 1,602 |
| Return on Equity (ROE) | 6.7406% | 3,697 |
| Retained earnings to average equity (ytd only) | 2.6987% | 4,085 |
| Net charge-offs to loans | -0.0045% | 4,314 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2596% | 4,900 |
| Assets per employee ($millions) | 7.5838% | 713 |
| Cash dividends to net income (ytd only)* | 59.9631% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5440% | 1,418 |
| Loan loss allowance to noncurrent loans | 406.3218% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.2086% | 4,340 |
| Noncurrent loans to loans | 0.3800% | 3,661 |
| Net loans and leases to total assets | 54.0421% | 4,387 |
| Net loans and leases to deposits | 72.3237% | 3,706 |
| Net loans and leases to core deposits | 92.0174% | 2,335 |
| Total domestic deposits to total assets | 74.7225% | 5,232 |
| Equity capital to assets | 19.5644% | 239 |
| Core capital (leverage) ratio | 19.3934% | 223 |
| Tier 1 risk-based capital ratio | 30.6291% | 442 |
| Total risk-based capital ratio | 31.8797% | 444 |
| Memoranda: | ||
| Average total assets | $83,055,670 | 4,604 |
| Average earning assets | $72,775,000 | 4,680 |
| Average equity | $16,081,670 | 3,631 |
| Average total loans | $44,573,670 | 4,674 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9918% | 3,067 |
| Cost of funding earning assets | 0.3308% | 3,742 |
| Net interest margin | 3.6610% | 2,648 |
| Noninterest income to average assets | 0.2075% | 5,029 |
| Noninterest expense to average assets | 1.9741% | 5,107 |
| Loan and lease loss provision to assets | 0.0724% | 2,357 |
| Net operating income to assets | 1.1591% | 1,631 |
| Return on assets (ROA) | 1.1632% | 1,656 |
| Pretax return on assets | 1.3708% | 1,984 |
| Return on Equity (ROE) | 6.0393% | 3,890 |
| Retained earnings to average equity (ytd only) | 6.0393% | 2,310 |
| Net charge-offs to loans | -0.0091% | 4,383 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8501% | 4,734 |
| Assets per employee ($millions) | 7.5519% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5579% | 1,486 |
| Loan loss allowance to noncurrent loans | 397.7011% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 4,393 |
| Noncurrent loans to loans | 0.3917% | 3,700 |
| Net loans and leases to total assets | 52.6381% | 4,456 |
| Net loans and leases to deposits | 70.4014% | 3,757 |
| Net loans and leases to core deposits | 87.5083% | 2,587 |
| Total domestic deposits to total assets | 74.7686% | 5,353 |
| Equity capital to assets | 19.4520% | 227 |
| Core capital (leverage) ratio | 19.6791% | 208 |
| Tier 1 risk-based capital ratio | 31.0945% | 443 |
| Total risk-based capital ratio | 32.3450% | 438 |
| Memoranda: | ||
| Average total assets | $82,872,500 | 4,663 |
| Average earning assets | $72,548,000 | 4,728 |
| Average equity | $15,962,000 | 3,668 |
| Average total loans | $43,965,500 | 4,728 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9819% | 3,262 |
| Cost of funding earning assets | 0.3597% | 3,417 |
| Net interest margin | 3.6222% | 2,989 |
| Noninterest income to average assets | 0.2116% | 5,150 |
| Noninterest expense to average assets | 1.9498% | 5,285 |
| Loan and lease loss provision to assets | 0.0713% | 2,933 |
| Net operating income to assets | 1.2059% | 1,489 |
| Return on assets (ROA) | 1.2151% | 1,541 |
| Pretax return on assets | 1.4100% | 1,906 |
| Return on Equity (ROE) | 6.3125% | 3,836 |
| Retained earnings to average equity (ytd only) | 2.5263% | 4,079 |
| Net charge-offs to loans | 0.0649% | 2,768 |
| Credit loss provision to net charge-offs | 214.2857% | 1,324 |
| Earnings coverage of net charge-offs (x) | 44.1786% | 1,097 |
| Efficiency ratio | 57.0038% | 4,950 |
| Assets per employee ($millions) | 7.5158% | 726 |
| Cash dividends to net income (ytd only)* | 59.9804% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5536% | 1,492 |
| Loan loss allowance to noncurrent loans | 326.5700% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.2504% | 4,305 |
| Noncurrent loans to loans | 0.4757% | 3,446 |
| Net loans and leases to total assets | 51.8131% | 4,625 |
| Net loans and leases to deposits | 69.5130% | 3,955 |
| Net loans and leases to core deposits | 86.5601% | 2,808 |
| Total domestic deposits to total assets | 74.5373% | 5,396 |
| Equity capital to assets | 19.0689% | 243 |
| Core capital (leverage) ratio | 18.5743% | 247 |
| Tier 1 risk-based capital ratio | 31.1826% | 433 |
| Total risk-based capital ratio | 32.4321% | 428 |
| Memoranda: | ||
| Average total assets | $84,111,400 | 4,649 |
| Average earning assets | $74,512,600 | 4,712 |
| Average equity | $16,190,000 | 3,666 |
| Average total loans | $43,139,200 | 4,782 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9604% | 3,371 |
| Cost of funding earning assets | 0.3604% | 3,426 |
| Net interest margin | 3.6000% | 3,076 |
| Noninterest income to average assets | 0.1989% | 5,270 |
| Noninterest expense to average assets | 1.9336% | 5,329 |
| Loan and lease loss provision to assets | 0.0710% | 2,790 |
| Net operating income to assets | 1.2139% | 1,591 |
| Return on assets (ROA) | 1.2249% | 1,640 |
| Pretax return on assets | 1.4079% | 2,012 |
| Return on Equity (ROE) | 6.3489% | 3,904 |
| Retained earnings to average equity (ytd only) | 3.7145% | 3,663 |
| Net charge-offs to loans | 0.0867% | 2,098 |
| Credit loss provision to net charge-offs | 160.7143% | 1,695 |
| Earnings coverage of net charge-offs (x) | 33.1808% | 1,399 |
| Efficiency ratio | 56.8709% | 4,973 |
| Assets per employee ($millions) | 7.7196% | 664 |
| Cash dividends to net income (ytd only)* | 41.4946% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4719% | 1,876 |
| Loan loss allowance to noncurrent loans | 313.2701% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.2485% | 4,446 |
| Noncurrent loans to loans | 0.4698% | 3,605 |
| Net loans and leases to total assets | 52.1068% | 4,652 |
| Net loans and leases to deposits | 70.2233% | 3,968 |
| Net loans and leases to core deposits | 90.5217% | 2,525 |
| Total domestic deposits to total assets | 74.2016% | 5,415 |
| Equity capital to assets | 19.4793% | 243 |
| Core capital (leverage) ratio | 18.5979% | 252 |
| Tier 1 risk-based capital ratio | 30.5699% | 461 |
| Total risk-based capital ratio | 31.8180% | 458 |
| Memoranda: | ||
| Average total assets | $84,470,750 | 4,675 |
| Average earning assets | $75,109,250 | 4,741 |
| Average equity | $16,296,250 | 3,686 |
| Average total loans | $43,046,000 | 4,825 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9703% | 3,344 |
| Cost of funding earning assets | 0.3600% | 3,447 |
| Net interest margin | 3.6104% | 3,060 |
| Noninterest income to average assets | 0.2372% | 5,065 |
| Noninterest expense to average assets | 1.9497% | 5,371 |
| Loan and lease loss provision to assets | 0.0712% | 2,712 |
| Net operating income to assets | 1.2695% | 1,358 |
| Return on assets (ROA) | 1.2737% | 1,468 |
| Pretax return on assets | 1.4326% | 1,895 |
| Return on Equity (ROE) | 6.6236% | 3,737 |
| Retained earnings to average equity (ytd only) | 2.6519% | 4,208 |
| Net charge-offs to loans | 0.1367% | 1,509 |
| Credit loss provision to net charge-offs | 103.4483% | 2,043 |
| Earnings coverage of net charge-offs (x) | 21.7931% | 1,659 |
| Efficiency ratio | 56.5337% | 5,079 |
| Assets per employee ($millions) | 7.7625% | 628 |
| Cash dividends to net income (ytd only)* | 59.9628% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4560% | 2,044 |
| Loan loss allowance to noncurrent loans | 304.2453% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.4567% | 3,683 |
| Noncurrent loans to loans | 0.4786% | 3,652 |
| Net loans and leases to total assets | 51.1249% | 4,753 |
| Net loans and leases to deposits | 69.3152% | 4,050 |
| Net loans and leases to core deposits | 88.9047% | 2,649 |
| Total domestic deposits to total assets | 73.7571% | 5,543 |
| Equity capital to assets | 19.2922% | 242 |
| Core capital (leverage) ratio | 18.2987% | 271 |
| Tier 1 risk-based capital ratio | 30.1339% | 489 |
| Total risk-based capital ratio | 31.3657% | 483 |
| Memoranda: | ||
| Average total assets | $84,322,330 | 4,718 |
| Average earning assets | $75,006,000 | 4,784 |
| Average equity | $16,214,670 | 3,705 |
| Average total loans | $42,425,330 | 4,885 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9742% | 3,316 |
| Cost of funding earning assets | 0.3598% | 3,502 |
| Net interest margin | 3.6143% | 3,029 |
| Noninterest income to average assets | 0.2291% | 5,101 |
| Noninterest expense to average assets | 1.9955% | 5,353 |
| Loan and lease loss provision to assets | 0.0716% | 2,524 |
| Net operating income to assets | 1.2279% | 1,462 |
| Return on assets (ROA) | 1.2364% | 1,541 |
| Pretax return on assets | 1.3844% | 1,945 |
| Return on Equity (ROE) | 6.4406% | 3,761 |
| Retained earnings to average equity (ytd only) | 6.4406% | 2,172 |
| Net charge-offs to loans | -0.0096% | 4,517 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9750% | 5,000 |
| Assets per employee ($millions) | 7.7216% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5390% | 1,833 |
| Loan loss allowance to noncurrent loans | 257.8125% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.5110% | 3,558 |
| Noncurrent loans to loans | 0.5969% | 3,390 |
| Net loans and leases to total assets | 49.7139% | 4,835 |
| Net loans and leases to deposits | 68.2319% | 4,033 |
| Net loans and leases to core deposits | 85.6424% | 2,781 |
| Total domestic deposits to total assets | 72.8602% | 5,718 |
| Equity capital to assets | 19.1257% | 248 |
| Core capital (leverage) ratio | 18.7179% | 249 |
| Tier 1 risk-based capital ratio | 31.0724% | 460 |
| Total risk-based capital ratio | 32.3213% | 458 |
| Memoranda: | ||
| Average total assets | $83,790,000 | 4,768 |
| Average earning assets | $74,481,000 | 4,837 |
| Average equity | $16,085,500 | 3,720 |
| Average total loans | $41,488,500 | 4,955 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9585% | 3,477 |
| Cost of funding earning assets | 0.3343% | 3,855 |
| Net interest margin | 3.6242% | 3,042 |
| Noninterest income to average assets | 0.2375% | 5,175 |
| Noninterest expense to average assets | 1.9586% | 5,529 |
| Loan and lease loss provision to assets | 0.0731% | 2,806 |
| Net operating income to assets | 1.1947% | 1,569 |
| Return on assets (ROA) | 1.2290% | 1,517 |
| Pretax return on assets | 1.4007% | 1,900 |
| Return on Equity (ROE) | 6.3588% | 3,865 |
| Retained earnings to average equity (ytd only) | 2.5397% | 4,258 |
| Net charge-offs to loans | 0.1273% | 2,100 |
| Credit loss provision to net charge-offs | 125.0000% | 2,074 |
| Earnings coverage of net charge-offs (x) | 24.5417% | 1,668 |
| Efficiency ratio | 57.7172% | 5,171 |
| Assets per employee ($millions) | 7.5129% | 692 |
| Cash dividends to net income (ytd only)* | 60.0595% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6063% | 1,593 |
| Loan loss allowance to noncurrent loans | 251.5625% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.5252% | 3,534 |
| Noncurrent loans to loans | 0.6385% | 3,273 |
| Net loans and leases to total assets | 47.7324% | 5,036 |
| Net loans and leases to deposits | 65.4450% | 4,358 |
| Net loans and leases to core deposits | 77.4290% | 3,613 |
| Total domestic deposits to total assets | 72.9351% | 5,733 |
| Equity capital to assets | 19.2711% | 241 |
| Core capital (leverage) ratio | 18.6421% | 256 |
| Tier 1 risk-based capital ratio | 32.4060% | 418 |
| Total risk-based capital ratio | 33.6554% | 408 |
| Memoranda: | ||
| Average total assets | $82,100,200 | 4,824 |
| Average earning assets | $71,491,800 | 4,904 |
| Average equity | $15,867,800 | 3,697 |
| Average total loans | $37,717,600 | 5,097 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9486% | 3,550 |
| Cost of funding earning assets | 0.3362% | 3,907 |
| Net interest margin | 3.6123% | 3,113 |
| Noninterest income to average assets | 0.2359% | 5,242 |
| Noninterest expense to average assets | 1.9650% | 5,540 |
| Loan and lease loss provision to assets | 0.0732% | 2,706 |
| Net operating income to assets | 1.1735% | 1,738 |
| Return on assets (ROA) | 1.2184% | 1,654 |
| Pretax return on assets | 1.3762% | 2,117 |
| Return on Equity (ROE) | 6.2993% | 4,005 |
| Retained earnings to average equity (ytd only) | 3.9107% | 3,681 |
| Net charge-offs to loans | -0.0144% | 5,097 |
| Credit loss provision to net charge-offs | -1,125.0000% | 5,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4139% | 5,069 |
| Assets per employee ($millions) | 7.2175% | 791 |
| Cash dividends to net income (ytd only)* | 37.9176% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7963% | 1,273 |
| Loan loss allowance to noncurrent loans | 143.9746% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.5958% | 3,489 |
| Noncurrent loans to loans | 1.2477% | 2,039 |
| Net loans and leases to total assets | 46.8933% | 5,158 |
| Net loans and leases to deposits | 63.1627% | 4,630 |
| Net loans and leases to core deposits | 74.5808% | 3,951 |
| Total domestic deposits to total assets | 74.2421% | 5,693 |
| Equity capital to assets | 20.1554% | 228 |
| Core capital (leverage) ratio | 19.2559% | 231 |
| Tier 1 risk-based capital ratio | 33.6978% | 389 |
| Total risk-based capital ratio | 34.9487% | 383 |
| Memoranda: | ||
| Average total assets | $81,964,750 | 4,884 |
| Average earning assets | $70,977,250 | 4,972 |
| Average equity | $15,853,250 | 3,735 |
| Average total loans | $37,124,250 | 5,170 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9087% | 3,649 |
| Cost of funding earning assets | 0.3386% | 3,943 |
| Net interest margin | 3.5702% | 3,210 |
| Noninterest income to average assets | 0.2294% | 5,321 |
| Noninterest expense to average assets | 1.9584% | 5,615 |
| Loan and lease loss provision to assets | 0.0724% | 2,658 |
| Net operating income to assets | 1.1249% | 1,859 |
| Return on assets (ROA) | 1.1398% | 1,885 |
| Pretax return on assets | 1.2968% | 2,376 |
| Return on Equity (ROE) | 5.9733% | 4,136 |
| Retained earnings to average equity (ytd only) | 2.3792% | 4,544 |
| Net charge-offs to loans | -0.0163% | 5,091 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1539% | 5,094 |
| Assets per employee ($millions) | 7.3430% | 721 |
| Cash dividends to net income (ytd only)* | 60.1695% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8029% | 1,363 |
| Loan loss allowance to noncurrent loans | 140.0000% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.5881% | 3,649 |
| Noncurrent loans to loans | 1.2878% | 2,095 |
| Net loans and leases to total assets | 44.8405% | 5,322 |
| Net loans and leases to deposits | 60.4627% | 4,816 |
| Net loans and leases to core deposits | 72.6254% | 4,073 |
| Total domestic deposits to total assets | 74.1622% | 5,773 |
| Equity capital to assets | 19.3221% | 253 |
| Core capital (leverage) ratio | 18.6012% | 256 |
| Tier 1 risk-based capital ratio | 34.8287% | 367 |
| Total risk-based capital ratio | 36.0812% | 367 |
| Memoranda: | ||
| Average total assets | $82,822,000 | 4,920 |
| Average earning assets | $71,481,000 | 5,013 |
| Average equity | $15,803,670 | 3,757 |
| Average total loans | $36,862,000 | 5,228 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8711% | 3,741 |
| Cost of funding earning assets | 0.3483% | 3,875 |
| Net interest margin | 3.5227% | 3,334 |
| Noninterest income to average assets | 0.2242% | 5,351 |
| Noninterest expense to average assets | 1.9512% | 5,664 |
| Loan and lease loss provision to assets | 0.0716% | 2,511 |
| Net operating income to assets | 1.0440% | 2,056 |
| Return on assets (ROA) | 1.0734% | 2,080 |
| Pretax return on assets | 1.2260% | 2,567 |
| Return on Equity (ROE) | 5.6597% | 4,199 |
| Retained earnings to average equity (ytd only) | 5.6597% | 2,678 |
| Net charge-offs to loans | -0.0109% | 4,754 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6825% | 5,006 |
| Assets per employee ($millions) | 7.5196% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7728% | 1,556 |
| Loan loss allowance to noncurrent loans | 250.1931% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.3131% | 4,735 |
| Noncurrent loans to loans | 0.7086% | 3,500 |
| Net loans and leases to total assets | 43.4064% | 5,393 |
| Net loans and leases to deposits | 58.4061% | 4,881 |
| Net loans and leases to core deposits | 69.4535% | 4,205 |
| Total domestic deposits to total assets | 74.3181% | 5,882 |
| Equity capital to assets | 19.4134% | 249 |
| Core capital (leverage) ratio | 18.5724% | 259 |
| Tier 1 risk-based capital ratio | 35.2511% | 353 |
| Total risk-based capital ratio | 36.5022% | 351 |
| Memoranda: | ||
| Average total assets | $83,846,500 | 4,943 |
| Average earning assets | $71,195,000 | 5,064 |
| Average equity | $15,902,000 | 3,763 |
| Average total loans | $36,851,000 | 5,257 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0997% | 3,331 |
| Cost of funding earning assets | 0.3700% | 4,040 |
| Net interest margin | 3.7297% | 2,881 |
| Noninterest income to average assets | 0.2353% | 5,451 |
| Noninterest expense to average assets | 1.9565% | 5,847 |
| Loan and lease loss provision to assets | 0.0720% | 3,043 |
| Net operating income to assets | 1.3597% | 1,163 |
| Return on assets (ROA) | 1.3815% | 1,154 |
| Pretax return on assets | 1.5220% | 1,469 |
| Return on Equity (ROE) | 7.5212% | 3,362 |
| Retained earnings to average equity (ytd only) | 3.0124% | 4,097 |
| Net charge-offs to loans | -0.0356% | 5,834 |
| Credit loss provision to net charge-offs | -461.5385% | 5,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4799% | 5,717 |
| Assets per employee ($millions) | 7.7252% | 599 |
| Cash dividends to net income (ytd only)* | 59.9479% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7012% | 1,769 |
| Loan loss allowance to noncurrent loans | 239.3939% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.3107% | 4,800 |
| Noncurrent loans to loans | 0.7106% | 3,544 |
| Net loans and leases to total assets | 42.9740% | 5,542 |
| Net loans and leases to deposits | 57.5522% | 5,094 |
| Net loans and leases to core deposits | 68.0341% | 4,499 |
| Total domestic deposits to total assets | 74.6696% | 5,891 |
| Equity capital to assets | 18.5297% | 289 |
| Core capital (leverage) ratio | 17.9167% | 293 |
| Tier 1 risk-based capital ratio | 31.5203% | 452 |
| Total risk-based capital ratio | 32.7720% | 443 |
| Memoranda: | ||
| Average total assets | $83,314,000 | 4,977 |
| Average earning assets | $73,518,200 | 5,052 |
| Average equity | $15,303,400 | 3,780 |
| Average total loans | $36,550,600 | 5,309 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0663% | 3,500 |
| Cost of funding earning assets | 0.3747% | 4,078 |
| Net interest margin | 3.6916% | 3,062 |
| Noninterest income to average assets | 0.2348% | 5,524 |
| Noninterest expense to average assets | 1.9461% | 5,869 |
| Loan and lease loss provision to assets | 0.0724% | 2,896 |
| Net operating income to assets | 1.4058% | 1,119 |
| Return on assets (ROA) | 1.4073% | 1,159 |
| Pretax return on assets | 1.5135% | 1,604 |
| Return on Equity (ROE) | 7.6789% | 3,373 |
| Retained earnings to average equity (ytd only) | 4.6337% | 3,336 |
| Net charge-offs to loans | -0.0256% | 5,689 |
| Credit loss provision to net charge-offs | -642.8571% | 5,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1253% | 5,732 |
| Assets per employee ($millions) | 7.5292% | 633 |
| Cash dividends to net income (ytd only)* | 39.6575% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6073% | 2,280 |
| Loan loss allowance to noncurrent loans | 1,651.3514% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 5,982 |
| Noncurrent loans to loans | 0.0973% | 5,653 |
| Net loans and leases to total assets | 45.1625% | 5,438 |
| Net loans and leases to deposits | 60.9632% | 4,853 |
| Net loans and leases to core deposits | 72.5165% | 4,101 |
| Total domestic deposits to total assets | 74.0815% | 6,010 |
| Equity capital to assets | 18.9493% | 272 |
| Core capital (leverage) ratio | 18.2032% | 293 |
| Tier 1 risk-based capital ratio | 31.0059% | 482 |
| Total risk-based capital ratio | 32.2501% | 477 |
| Memoranda: | ||
| Average total assets | $82,898,250 | 5,045 |
| Average earning assets | $74,004,750 | 5,097 |
| Average equity | $15,192,750 | 3,820 |
| Average total loans | $36,400,750 | 5,370 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0344% | 3,602 |
| Cost of funding earning assets | 0.3827% | 4,068 |
| Net interest margin | 3.6517% | 3,137 |
| Noninterest income to average assets | 0.2243% | 5,599 |
| Noninterest expense to average assets | 1.9391% | 5,930 |
| Loan and lease loss provision to assets | 0.0724% | 2,825 |
| Net operating income to assets | 1.3919% | 1,085 |
| Return on assets (ROA) | 1.3965% | 1,114 |
| Pretax return on assets | 1.4857% | 1,577 |
| Return on Equity (ROE) | 7.7068% | 3,256 |
| Retained earnings to average equity (ytd only) | 3.0880% | 4,239 |
| Net charge-offs to loans | -0.0335% | 5,726 |
| Credit loss provision to net charge-offs | -500.0000% | 5,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5249% | 5,791 |
| Assets per employee ($millions) | 7.6067% | 587 |
| Cash dividends to net income (ytd only)* | 59.9309% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6025% | 2,444 |
| Loan loss allowance to noncurrent loans | 1,608.1081% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 6,061 |
| Noncurrent loans to loans | 0.0997% | 5,722 |
| Net loans and leases to total assets | 43.6623% | 5,555 |
| Net loans and leases to deposits | 58.9011% | 4,963 |
| Net loans and leases to core deposits | 69.2653% | 4,340 |
| Total domestic deposits to total assets | 74.1282% | 6,099 |
| Equity capital to assets | 18.3068% | 311 |
| Core capital (leverage) ratio | 17.5164% | 323 |
| Tier 1 risk-based capital ratio | 30.7254% | 493 |
| Total risk-based capital ratio | 31.9498% | 490 |
| Memoranda: | ||
| Average total assets | $82,924,000 | 5,081 |
| Average earning assets | $74,212,330 | 5,128 |
| Average equity | $15,025,670 | 3,851 |
| Average total loans | $35,862,670 | 5,426 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0347% | 3,542 |
| Cost of funding earning assets | 0.3871% | 4,121 |
| Net interest margin | 3.6476% | 3,071 |
| Noninterest income to average assets | 0.2277% | 5,531 |
| Noninterest expense to average assets | 1.9431% | 5,991 |
| Loan and lease loss provision to assets | 0.0727% | 2,685 |
| Net operating income to assets | 1.3622% | 1,072 |
| Return on assets (ROA) | 1.3713% | 1,099 |
| Pretax return on assets | 1.4634% | 1,536 |
| Return on Equity (ROE) | 7.6078% | 3,145 |
| Retained earnings to average equity (ytd only) | 7.6078% | 1,766 |
| Net charge-offs to loans | -0.0454% | 5,767 |
| Credit loss provision to net charge-offs | -375.0000% | 5,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0056% | 5,839 |
| Assets per employee ($millions) | 7.5537% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6469% | 2,525 |
| Loan loss allowance to noncurrent loans | 1,562.1622% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 6,153 |
| Noncurrent loans to loans | 0.1054% | 5,809 |
| Net loans and leases to total assets | 41.5424% | 5,705 |
| Net loans and leases to deposits | 55.8924% | 5,122 |
| Net loans and leases to core deposits | 65.7736% | 4,508 |
| Total domestic deposits to total assets | 74.3257% | 6,214 |
| Equity capital to assets | 18.2499% | 313 |
| Core capital (leverage) ratio | 18.2140% | 296 |
| Tier 1 risk-based capital ratio | 31.7101% | 456 |
| Total risk-based capital ratio | 32.9333% | 453 |
| Memoranda: | ||
| Average total assets | $82,549,000 | 5,146 |
| Average earning assets | $73,364,000 | 5,197 |
| Average equity | $14,879,500 | 3,884 |
| Average total loans | $35,229,500 | 5,500 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9785% | 4,158 |
| Cost of funding earning assets | 0.3983% | 4,676 |
| Net interest margin | 3.5802% | 3,552 |
| Noninterest income to average assets | 0.2434% | 5,603 |
| Noninterest expense to average assets | 1.9236% | 6,154 |
| Loan and lease loss provision to assets | 0.0734% | 3,650 |
| Net operating income to assets | 1.3457% | 1,144 |
| Return on assets (ROA) | 1.2633% | 1,410 |
| Pretax return on assets | 1.3366% | 2,024 |
| Return on Equity (ROE) | 6.8913% | 3,624 |
| Retained earnings to average equity (ytd only) | 2.7552% | 4,278 |
| Net charge-offs to loans | -0.0429% | 6,298 |
| Credit loss provision to net charge-offs | -428.5714% | 6,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2388% | 5,926 |
| Assets per employee ($millions) | 7.4552% | 613 |
| Cash dividends to net income (ytd only)* | 60.0194% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5807% | 2,836 |
| Loan loss allowance to noncurrent loans | 1,510.8108% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 6,239 |
| Noncurrent loans to loans | 0.1046% | 5,899 |
| Net loans and leases to total assets | 42.4403% | 5,798 |
| Net loans and leases to deposits | 57.1504% | 5,197 |
| Net loans and leases to core deposits | 65.7374% | 4,717 |
| Total domestic deposits to total assets | 74.2607% | 6,260 |
| Equity capital to assets | 17.7973% | 332 |
| Core capital (leverage) ratio | 17.8741% | 303 |
| Tier 1 risk-based capital ratio | 31.3460% | 454 |
| Total risk-based capital ratio | 32.5380% | 449 |
| Memoranda: | ||
| Average total assets | $81,773,200 | 5,201 |
| Average earning assets | $72,565,600 | 5,236 |
| Average equity | $14,990,000 | 3,878 |
| Average total loans | $32,671,600 | 5,639 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9495% | 4,319 |
| Cost of funding earning assets | 0.4046% | 4,786 |
| Net interest margin | 3.5450% | 3,686 |
| Noninterest income to average assets | 0.2415% | 5,707 |
| Noninterest expense to average assets | 1.8797% | 6,217 |
| Loan and lease loss provision to assets | 0.0734% | 3,590 |
| Net operating income to assets | 1.3250% | 1,280 |
| Return on assets (ROA) | 1.2172% | 1,650 |
| Pretax return on assets | 1.3037% | 2,317 |
| Return on Equity (ROE) | 6.5919% | 3,879 |
| Retained earnings to average equity (ytd only) | 3.6494% | 4,097 |
| Net charge-offs to loans | -0.0500% | 6,309 |
| Credit loss provision to net charge-offs | -375.0000% | 5,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7329% | 5,939 |
| Assets per employee ($millions) | 7.4360% | 603 |
| Cash dividends to net income (ytd only)* | 44.6383% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6212% | 2,908 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 40.2098% | 6,016 |
| Net loans and leases to deposits | 54.2659% | 5,516 |
| Net loans and leases to core deposits | 63.5224% | 4,939 |
| Total domestic deposits to total assets | 74.0978% | 6,362 |
| Equity capital to assets | 18.2246% | 308 |
| Core capital (leverage) ratio | 18.1634% | 290 |
| Tier 1 risk-based capital ratio | 32.3304% | 431 |
| Total risk-based capital ratio | 33.5225% | 422 |
| Memoranda: | ||
| Average total assets | $81,714,750 | 5,247 |
| Average earning assets | $72,175,750 | 5,301 |
| Average equity | $15,088,750 | 3,900 |
| Average total loans | $31,998,750 | 5,720 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9085% | 4,442 |
| Cost of funding earning assets | 0.4114% | 4,850 |
| Net interest margin | 3.4970% | 3,792 |
| Noninterest income to average assets | 0.2350% | 5,762 |
| Noninterest expense to average assets | 1.8436% | 6,304 |
| Loan and lease loss provision to assets | 0.0735% | 3,572 |
| Net operating income to assets | 1.3239% | 1,258 |
| Return on assets (ROA) | 1.3588% | 1,256 |
| Pretax return on assets | 1.4347% | 1,825 |
| Return on Equity (ROE) | 7.3271% | 3,433 |
| Retained earnings to average equity (ytd only) | 2.9308% | 4,445 |
| Net charge-offs to loans | 0.0571% | 3,887 |
| Credit loss provision to net charge-offs | 333.3333% | 775 |
| Earnings coverage of net charge-offs (x) | 66.7778% | 659 |
| Efficiency ratio | 55.6130% | 6,007 |
| Assets per employee ($millions) | 7.3524% | 608 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5891% | 3,192 |
| Loan loss allowance to noncurrent loans | 1,581.2500% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 6,388 |
| Noncurrent loans to loans | 0.1005% | 6,094 |
| Net loans and leases to total assets | 38.7457% | 6,131 |
| Net loans and leases to deposits | 52.1458% | 5,678 |
| Net loans and leases to core deposits | 61.3085% | 5,152 |
| Total domestic deposits to total assets | 74.3026% | 6,419 |
| Equity capital to assets | 18.0474% | 324 |
| Core capital (leverage) ratio | 17.6322% | 313 |
| Tier 1 risk-based capital ratio | 33.1543% | 402 |
| Total risk-based capital ratio | 34.3106% | 397 |
| Memoranda: | ||
| Average total assets | $81,687,670 | 5,279 |
| Average earning assets | $71,946,670 | 5,335 |
| Average equity | $15,149,330 | 3,915 |
| Average total loans | $31,521,000 | 5,774 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8474% | 4,656 |
| Cost of funding earning assets | 0.4128% | 4,982 |
| Net interest margin | 3.4346% | 3,984 |
| Noninterest income to average assets | 0.2339% | 5,784 |
| Noninterest expense to average assets | 1.7395% | 6,514 |
| Loan and lease loss provision to assets | 0.0731% | 3,410 |
| Net operating income to assets | 1.3965% | 1,032 |
| Return on assets (ROA) | 1.5446% | 853 |
| Pretax return on assets | 1.6177% | 1,260 |
| Return on Equity (ROE) | 8.2199% | 2,870 |
| Retained earnings to average equity (ytd only) | 8.2199% | 1,681 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1250% | 6,291 |
| Assets per employee ($millions) | 7.4305% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6142% | 3,337 |
| Loan loss allowance to noncurrent loans | 277.7778% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.2202% | 5,905 |
| Noncurrent loans to loans | 0.5811% | 4,989 |
| Net loans and leases to total assets | 37.2851% | 6,198 |
| Net loans and leases to deposits | 51.1094% | 5,699 |
| Net loans and leases to core deposits | 61.1187% | 5,043 |
| Total domestic deposits to total assets | 72.9516% | 6,601 |
| Equity capital to assets | 18.9845% | 270 |
| Core capital (leverage) ratio | 17.8907% | 291 |
| Tier 1 risk-based capital ratio | 34.0872% | 374 |
| Total risk-based capital ratio | 35.2543% | 374 |
| Memoranda: | ||
| Average total assets | $82,093,500 | 5,318 |
| Average earning assets | $72,673,000 | 5,364 |
| Average equity | $15,426,000 | 3,916 |
| Average total loans | $31,360,500 | 5,830 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0614% | 5,103 |
| Cost of funding earning assets | 0.4784% | 5,364 |
| Net interest margin | 3.5830% | 4,170 |
| Noninterest income to average assets | 0.2402% | 5,732 |
| Noninterest expense to average assets | 1.9535% | 6,413 |
| Loan and lease loss provision to assets | 0.1300% | 3,991 |
| Net operating income to assets | 1.2610% | 1,418 |
| Return on assets (ROA) | 1.2974% | 1,456 |
| Pretax return on assets | 1.4138% | 1,997 |
| Return on Equity (ROE) | 6.8874% | 3,708 |
| Retained earnings to average equity (ytd only) | 2.7602% | 4,295 |
| Net charge-offs to loans | 0.0227% | 5,585 |
| Credit loss provision to net charge-offs | 1,500.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 173.5714% | 241 |
| Efficiency ratio | 56.4984% | 6,006 |
| Assets per employee ($millions) | 7.4956% | 624 |
| Cash dividends to net income (ytd only)* | 59.9237% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5278% | 3,630 |
| Loan loss allowance to noncurrent loans | 269.4444% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 6,013 |
| Noncurrent loans to loans | 0.5670% | 5,116 |
| Net loans and leases to total assets | 37.9142% | 6,315 |
| Net loans and leases to deposits | 51.3570% | 5,860 |
| Net loans and leases to core deposits | 61.1665% | 5,258 |
| Total domestic deposits to total assets | 73.8248% | 6,546 |
| Equity capital to assets | 18.5987% | 285 |
| Core capital (leverage) ratio | 17.1907% | 337 |
| Tier 1 risk-based capital ratio | 33.0771% | 400 |
| Total risk-based capital ratio | 34.2000% | 393 |
| Memoranda: | ||
| Average total assets | $80,776,400 | 5,330 |
| Average earning assets | $72,536,800 | 5,351 |
| Average equity | $15,216,200 | 3,913 |
| Average total loans | $30,803,000 | 5,910 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1068% | 5,162 |
| Cost of funding earning assets | 0.4885% | 5,516 |
| Net interest margin | 3.6183% | 4,155 |
| Noninterest income to average assets | 0.2290% | 5,909 |
| Noninterest expense to average assets | 1.9745% | 6,390 |
| Loan and lease loss provision to assets | 0.1377% | 3,826 |
| Net operating income to assets | 1.2660% | 1,526 |
| Return on assets (ROA) | 1.2859% | 1,621 |
| Pretax return on assets | 1.3954% | 2,254 |
| Return on Equity (ROE) | 6.8041% | 3,909 |
| Retained earnings to average equity (ytd only) | 4.1878% | 3,946 |
| Net charge-offs to loans | 0.0218% | 5,360 |
| Credit loss provision to net charge-offs | 1,660.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 182.1049% | 248 |
| Efficiency ratio | 56.6397% | 5,976 |
| Assets per employee ($millions) | 6.9494% | 763 |
| Cash dividends to net income (ytd only)* | 38.4512% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4976% | 3,962 |
| Loan loss allowance to noncurrent loans | 211.3636% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.2926% | 5,974 |
| Noncurrent loans to loans | 0.7085% | 5,021 |
| Net loans and leases to total assets | 36.6757% | 6,507 |
| Net loans and leases to deposits | 49.9045% | 6,114 |
| Net loans and leases to core deposits | 60.8887% | 5,465 |
| Total domestic deposits to total assets | 73.4918% | 6,640 |
| Equity capital to assets | 18.6862% | 316 |
| Core capital (leverage) ratio | 17.4423% | 339 |
| Tier 1 risk-based capital ratio | 33.9937% | 388 |
| Total risk-based capital ratio | 35.0957% | 385 |
| Memoranda: | ||
| Average total assets | $80,357,500 | 5,392 |
| Average earning assets | $72,334,250 | 5,416 |
| Average equity | $15,186,500 | 3,956 |
| Average total loans | $30,567,250 | 5,999 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1127% | 5,273 |
| Cost of funding earning assets | 0.4929% | 5,667 |
| Net interest margin | 3.6198% | 4,183 |
| Noninterest income to average assets | 0.2269% | 5,945 |
| Noninterest expense to average assets | 1.9585% | 6,501 |
| Loan and lease loss provision to assets | 0.1512% | 3,634 |
| Net operating income to assets | 1.2642% | 1,529 |
| Return on assets (ROA) | 1.2527% | 1,725 |
| Pretax return on assets | 1.3813% | 2,279 |
| Return on Equity (ROE) | 6.6028% | 3,990 |
| Retained earnings to average equity (ytd only) | 2.6438% | 4,856 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8993% | 6,126 |
| Assets per employee ($millions) | 6.6679% | 873 |
| Cash dividends to net income (ytd only)* | 59.9598% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4526% | 4,240 |
| Loan loss allowance to noncurrent loans | 205.9908% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.3012% | 6,013 |
| Noncurrent loans to loans | 0.7052% | 5,096 |
| Net loans and leases to total assets | 37.9004% | 6,486 |
| Net loans and leases to deposits | 51.7791% | 6,042 |
| Net loans and leases to core deposits | 64.8740% | 5,117 |
| Total domestic deposits to total assets | 73.1963% | 6,733 |
| Equity capital to assets | 19.0014% | 276 |
| Core capital (leverage) ratio | 17.5669% | 320 |
| Tier 1 risk-based capital ratio | 34.1341% | 370 |
| Total risk-based capital ratio | 35.2189% | 371 |
| Memoranda: | ||
| Average total assets | $79,345,670 | 5,453 |
| Average earning assets | $71,827,000 | 5,466 |
| Average equity | $15,054,330 | 3,976 |
| Average total loans | $30,406,330 | 6,045 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1547% | 5,267 |
| Cost of funding earning assets | 0.4858% | 5,896 |
| Net interest margin | 3.6689% | 3,969 |
| Noninterest income to average assets | 0.2177% | 6,054 |
| Noninterest expense to average assets | 1.9288% | 6,591 |
| Loan and lease loss provision to assets | 0.1519% | 3,475 |
| Net operating income to assets | 1.2859% | 1,488 |
| Return on assets (ROA) | 1.2859% | 1,666 |
| Pretax return on assets | 1.4631% | 1,984 |
| Return on Equity (ROE) | 6.7826% | 3,899 |
| Retained earnings to average equity (ytd only) | 6.7826% | 2,534 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4286% | 6,302 |
| Assets per employee ($millions) | 6.5350% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 4,655 |
| Loan loss allowance to noncurrent loans | 227.8689% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.2640% | 6,225 |
| Noncurrent loans to loans | 0.6101% | 5,440 |
| Net loans and leases to total assets | 37.7174% | 6,508 |
| Net loans and leases to deposits | 51.5072% | 6,028 |
| Net loans and leases to core deposits | 63.6784% | 5,156 |
| Total domestic deposits to total assets | 73.2275% | 6,808 |
| Equity capital to assets | 19.2196% | 264 |
| Core capital (leverage) ratio | 18.0512% | 295 |
| Tier 1 risk-based capital ratio | 35.4815% | 328 |
| Total risk-based capital ratio | 36.5292% | 325 |
| Memoranda: | ||
| Average total assets | $79,011,000 | 5,511 |
| Average earning assets | $71,630,000 | 5,509 |
| Average equity | $14,979,500 | 3,995 |
| Average total loans | $30,223,000 | 6,098 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3348% | 5,647 |
| Cost of funding earning assets | 0.5459% | 6,362 |
| Net interest margin | 3.7890% | 3,883 |
| Noninterest income to average assets | 0.2921% | 5,445 |
| Noninterest expense to average assets | 1.9854% | 6,695 |
| Loan and lease loss provision to assets | 0.1447% | 4,804 |
| Net operating income to assets | 1.4921% | 842 |
| Return on assets (ROA) | 1.4946% | 907 |
| Pretax return on assets | 1.5802% | 1,252 |
| Return on Equity (ROE) | 7.9350% | 2,942 |
| Retained earnings to average equity (ytd only) | 3.1782% | 3,955 |
| Net charge-offs to loans | 0.4198% | 3,329 |
| Credit loss provision to net charge-offs | 87.3016% | 4,138 |
| Earnings coverage of net charge-offs (x) | 10.3889% | 1,844 |
| Efficiency ratio | 53.5486% | 6,557 |
| Assets per employee ($millions) | 7.2365% | 643 |
| Cash dividends to net income (ytd only)* | 59.9472% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 5,057 |
| Loan loss allowance to noncurrent loans | 38,700.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 6,895 |
| Noncurrent loans to loans | 0.0033% | 6,866 |
| Net loans and leases to total assets | 37.7679% | 6,658 |
| Net loans and leases to deposits | 53.6713% | 6,100 |
| Net loans and leases to core deposits | 64.1051% | 5,451 |
| Total domestic deposits to total assets | 70.3688% | 6,965 |
| Equity capital to assets | 18.7018% | 296 |
| Core capital (leverage) ratio | 17.5578% | 328 |
| Tier 1 risk-based capital ratio | 35.6211% | 315 |
| Total risk-based capital ratio | 36.6151% | 319 |
| Memoranda: | ||
| Average total assets | $76,004,800 | 5,566 |
| Average earning assets | $68,515,000 | 5,595 |
| Average equity | $14,316,400 | 4,045 |
| Average total loans | $30,012,600 | 6,157 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3494% | 5,777 |
| Cost of funding earning assets | 0.5782% | 6,385 |
| Net interest margin | 3.7712% | 4,010 |
| Noninterest income to average assets | 0.2911% | 5,527 |
| Noninterest expense to average assets | 1.9865% | 6,720 |
| Loan and lease loss provision to assets | 0.1243% | 4,878 |
| Net operating income to assets | 1.5427% | 865 |
| Return on assets (ROA) | 1.5462% | 930 |
| Pretax return on assets | 1.5764% | 1,448 |
| Return on Equity (ROE) | 8.1933% | 2,968 |
| Retained earnings to average equity (ytd only) | 5.0703% | 3,126 |
| Net charge-offs to loans | 0.5618% | 2,557 |
| Credit loss provision to net charge-offs | 55.5556% | 4,904 |
| Earnings coverage of net charge-offs (x) | 7.5871% | 2,333 |
| Efficiency ratio | 53.9277% | 6,497 |
| Assets per employee ($millions) | 6.9761% | 742 |
| Cash dividends to net income (ytd only)* | 38.1176% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 5,757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 6,981 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 39.4568% | 6,673 |
| Net loans and leases to deposits | 56.3343% | 6,000 |
| Net loans and leases to core deposits | 66.2350% | 5,385 |
| Total domestic deposits to total assets | 70.0405% | 7,040 |
| Equity capital to assets | 19.5356% | 278 |
| Core capital (leverage) ratio | 18.4272% | 293 |
| Tier 1 risk-based capital ratio | 35.5982% | 331 |
| Total risk-based capital ratio | 36.4836% | 336 |
| Memoranda: | ||
| Average total assets | $75,105,500 | 5,643 |
| Average earning assets | $67,563,750 | 5,666 |
| Average equity | $14,173,750 | 4,095 |
| Average total loans | $29,903,000 | 6,224 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3304% | 5,906 |
| Cost of funding earning assets | 0.6114% | 6,403 |
| Net interest margin | 3.7190% | 4,177 |
| Noninterest income to average assets | 0.2870% | 5,585 |
| Noninterest expense to average assets | 2.0144% | 6,757 |
| Loan and lease loss provision to assets | 0.1073% | 4,961 |
| Net operating income to assets | 1.4887% | 913 |
| Return on assets (ROA) | 1.4860% | 976 |
| Pretax return on assets | 1.5075% | 1,506 |
| Return on Equity (ROE) | 7.9705% | 2,956 |
| Retained earnings to average equity (ytd only) | 3.1939% | 4,241 |
| Net charge-offs to loans | 0.7484% | 2,002 |
| Credit loss provision to net charge-offs | 36.0360% | 4,889 |
| Earnings coverage of net charge-offs (x) | 5.4324% | 2,613 |
| Efficiency ratio | 55.4653% | 6,466 |
| Assets per employee ($millions) | 6.8654% | 782 |
| Cash dividends to net income (ytd only)* | 59.9278% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1154% | 5,900 |
| Loan loss allowance to noncurrent loans | 851.2821% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0516% | 6,966 |
| Noncurrent loans to loans | 0.1310% | 6,649 |
| Net loans and leases to total assets | 38.9730% | 6,804 |
| Net loans and leases to deposits | 55.7002% | 6,162 |
| Net loans and leases to core deposits | 67.9896% | 5,292 |
| Total domestic deposits to total assets | 69.9691% | 7,113 |
| Equity capital to assets | 18.8919% | 324 |
| Core capital (leverage) ratio | 17.8808% | 342 |
| Tier 1 risk-based capital ratio | 35.1517% | 339 |
| Total risk-based capital ratio | 36.0076% | 349 |
| Memoranda: | ||
| Average total assets | $74,561,670 | 5,705 |
| Average earning assets | $67,060,670 | 5,726 |
| Average equity | $13,901,330 | 4,140 |
| Average total loans | $29,662,330 | 6,301 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2787% | 6,065 |
| Cost of funding earning assets | 0.6275% | 6,483 |
| Net interest margin | 3.6513% | 4,322 |
| Noninterest income to average assets | 0.2808% | 5,663 |
| Noninterest expense to average assets | 2.0302% | 6,774 |
| Loan and lease loss provision to assets | 0.0810% | 4,996 |
| Net operating income to assets | 1.4470% | 992 |
| Return on assets (ROA) | 1.4470% | 1,029 |
| Pretax return on assets | 1.4686% | 1,538 |
| Return on Equity (ROE) | 7.8143% | 3,001 |
| Retained earnings to average equity (ytd only) | 7.8143% | 1,805 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7119% | 6,419 |
| Assets per employee ($millions) | 6.8826% | 782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3684% | 4,815 |
| Loan loss allowance to noncurrent loans | 98.8180% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.5587% | 5,856 |
| Noncurrent loans to loans | 1.3848% | 4,394 |
| Net loans and leases to total assets | 39.7945% | 6,795 |
| Net loans and leases to deposits | 55.4568% | 6,181 |
| Net loans and leases to core deposits | 68.9744% | 5,172 |
| Total domestic deposits to total assets | 71.7577% | 7,092 |
| Equity capital to assets | 18.4337% | 339 |
| Core capital (leverage) ratio | 18.5896% | 292 |
| Tier 1 risk-based capital ratio | 34.4948% | 363 |
| Total risk-based capital ratio | 35.5488% | 357 |
| Memoranda: | ||
| Average total assets | $74,083,000 | 5,756 |
| Average earning assets | $66,935,500 | 5,767 |
| Average equity | $13,718,500 | 4,166 |
| Average total loans | $29,611,500 | 6,354 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7540% | 5,605 |
| Cost of funding earning assets | 0.9227% | 6,064 |
| Net interest margin | 3.8313% | 3,816 |
| Noninterest income to average assets | 0.3224% | 5,477 |
| Noninterest expense to average assets | 2.1534% | 6,722 |
| Loan and lease loss provision to assets | 0.0770% | 6,382 |
| Net operating income to assets | 1.5087% | 752 |
| Return on assets (ROA) | 1.3867% | 1,048 |
| Pretax return on assets | 1.1776% | 2,297 |
| Return on Equity (ROE) | 7.0037% | 3,125 |
| Retained earnings to average equity (ytd only) | 2.8015% | 3,893 |
| Net charge-offs to loans | 0.0858% | 5,979 |
| Credit loss provision to net charge-offs | 230.4348% | 1,279 |
| Earnings coverage of net charge-offs (x) | 41.2174% | 564 |
| Efficiency ratio | 61.0037% | 5,893 |
| Assets per employee ($millions) | 6.5870% | 911 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4053% | 4,482 |
| Loan loss allowance to noncurrent loans | 411.2245% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.1353% | 6,901 |
| Noncurrent loans to loans | 0.3417% | 6,375 |
| Net loans and leases to total assets | 39.0218% | 7,021 |
| Net loans and leases to deposits | 54.7309% | 6,547 |
| Net loans and leases to core deposits | 66.1133% | 5,865 |
| Total domestic deposits to total assets | 71.2975% | 7,145 |
| Equity capital to assets | 18.6055% | 345 |
| Core capital (leverage) ratio | 18.1313% | 325 |
| Tier 1 risk-based capital ratio | 35.6378% | 329 |
| Total risk-based capital ratio | 36.7086% | 328 |
| Memoranda: | ||
| Average total assets | $68,867,200 | 5,915 |
| Average earning assets | $57,656,200 | 6,076 |
| Average equity | $13,635,600 | 4,229 |
| Average total loans | $26,809,200 | 6,565 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8634% | 5,424 |
| Cost of funding earning assets | 0.9842% | 6,016 |
| Net interest margin | 3.8793% | 3,612 |
| Noninterest income to average assets | 0.3295% | 5,520 |
| Noninterest expense to average assets | 2.1578% | 6,716 |
| Loan and lease loss provision to assets | 0.0745% | 6,310 |
| Net operating income to assets | 1.5065% | 915 |
| Return on assets (ROA) | 1.3417% | 1,326 |
| Pretax return on assets | 1.1181% | 2,771 |
| Return on Equity (ROE) | 6.6693% | 3,503 |
| Retained earnings to average equity (ytd only) | 4.0562% | 3,621 |
| Net charge-offs to loans | -0.0911% | 7,541 |
| Credit loss provision to net charge-offs | -211.1111% | 6,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3839% | 5,723 |
| Assets per employee ($millions) | 6.4916% | 969 |
| Cash dividends to net income (ytd only)* | 39.1807% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5402% | 3,769 |
| Loan loss allowance to noncurrent loans | 282.2368% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.2129% | 6,832 |
| Noncurrent loans to loans | 0.5457% | 6,111 |
| Net loans and leases to total assets | 38.4061% | 7,167 |
| Net loans and leases to deposits | 53.7492% | 6,783 |
| Net loans and leases to core deposits | 64.9235% | 6,217 |
| Total domestic deposits to total assets | 71.4542% | 7,184 |
| Equity capital to assets | 19.9305% | 292 |
| Core capital (leverage) ratio | 19.3464% | 277 |
| Tier 1 risk-based capital ratio | 36.8231% | 310 |
| Total risk-based capital ratio | 37.9976% | 304 |
| Memoranda: | ||
| Average total assets | $67,969,750 | 6,005 |
| Average earning assets | $55,816,500 | 6,202 |
| Average equity | $13,674,250 | 4,280 |
| Average total loans | $26,342,250 | 6,689 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9027% | 5,369 |
| Cost of funding earning assets | 1.0331% | 5,994 |
| Net interest margin | 3.8696% | 3,591 |
| Noninterest income to average assets | 0.3322% | 5,504 |
| Noninterest expense to average assets | 2.1669% | 6,728 |
| Loan and lease loss provision to assets | 0.0688% | 6,265 |
| Net operating income to assets | 1.5923% | 737 |
| Return on assets (ROA) | 1.3349% | 1,302 |
| Pretax return on assets | 1.0116% | 3,073 |
| Return on Equity (ROE) | 6.6131% | 3,485 |
| Retained earnings to average equity (ytd only) | 2.6393% | 4,461 |
| Net charge-offs to loans | -0.1393% | 7,600 |
| Credit loss provision to net charge-offs | -127.7778% | 6,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8275% | 5,720 |
| Assets per employee ($millions) | 6.0759% | 1,172 |
| Cash dividends to net income (ytd only)* | 60.0897% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5364% | 3,733 |
| Loan loss allowance to noncurrent loans | 363.1579% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.1706% | 6,961 |
| Noncurrent loans to loans | 0.4231% | 6,396 |
| Net loans and leases to total assets | 39.6978% | 7,183 |
| Net loans and leases to deposits | 56.6814% | 6,672 |
| Net loans and leases to core deposits | 67.0898% | 6,142 |
| Total domestic deposits to total assets | 70.0367% | 7,330 |
| Equity capital to assets | 20.4923% | 262 |
| Core capital (leverage) ratio | 19.8725% | 255 |
| Tier 1 risk-based capital ratio | 37.4628% | 291 |
| Total risk-based capital ratio | 38.6364% | 285 |
| Memoranda: | ||
| Average total assets | $66,823,670 | 6,068 |
| Average earning assets | $54,785,670 | 6,290 |
| Average equity | $13,488,330 | 4,329 |
| Average total loans | $25,838,330 | 6,754 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9915% | 5,053 |
| Cost of funding earning assets | 1.1208% | 5,800 |
| Net interest margin | 3.8707% | 3,454 |
| Noninterest income to average assets | 0.3233% | 5,566 |
| Noninterest expense to average assets | 2.2569% | 6,521 |
| Loan and lease loss provision to assets | 0.0479% | 6,183 |
| Net operating income to assets | 1.7301% | 576 |
| Return on assets (ROA) | 1.1135% | 1,873 |
| Pretax return on assets | 0.5029% | 4,950 |
| Return on Equity (ROE) | 5.5587% | 4,083 |
| Retained earnings to average equity (ytd only) | 5.5587% | 2,838 |
| Net charge-offs to loans | -0.2848% | 7,731 |
| Credit loss provision to net charge-offs | -44.4444% | 6,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9091% | 5,136 |
| Assets per employee ($millions) | 5.9942% | 1,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5165% | 3,826 |
| Loan loss allowance to noncurrent loans | 950.0000% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0637% | 7,324 |
| Noncurrent loans to loans | 0.1596% | 7,023 |
| Net loans and leases to total assets | 39.2972% | 7,286 |
| Net loans and leases to deposits | 55.5030% | 6,810 |
| Net loans and leases to core deposits | 66.5340% | 6,245 |
| Total domestic deposits to total assets | 70.8020% | 7,355 |
| Equity capital to assets | 20.4896% | 263 |
| Core capital (leverage) ratio | 19.9858% | 250 |
| Tier 1 risk-based capital ratio | 37.7390% | 296 |
| Total risk-based capital ratio | 38.8775% | 289 |
| Memoranda: | ||
| Average total assets | $66,818,000 | 6,143 |
| Average earning assets | $53,531,000 | 6,412 |
| Average equity | $13,384,500 | 4,382 |
| Average total loans | $25,284,500 | 6,864 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2138% | 5,585 |
| Cost of funding earning assets | 1.2102% | 6,627 |
| Net interest margin | 4.0036% | 2,846 |
| Noninterest income to average assets | 0.3635% | 5,492 |
| Noninterest expense to average assets | 2.1906% | 7,017 |
| Loan and lease loss provision to assets | 0.0491% | 7,071 |
| Net operating income to assets | 1.3852% | 876 |
| Return on assets (ROA) | 1.5456% | 655 |
| Pretax return on assets | 1.6111% | 941 |
| Return on Equity (ROE) | 7.2322% | 2,700 |
| Retained earnings to average equity (ytd only) | 2.8883% | 3,156 |
| Net charge-offs to loans | 0.4136% | 4,160 |
| Credit loss provision to net charge-offs | 30.9278% | 6,894 |
| Earnings coverage of net charge-offs (x) | 9.4021% | 1,806 |
| Efficiency ratio | 59.4667% | 6,561 |
| Assets per employee ($millions) | 6.1545% | 1,156 |
| Cash dividends to net income (ytd only)* | 60.0636% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5376% | 3,539 |
| Loan loss allowance to noncurrent loans | 956.4103% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 7,354 |
| Noncurrent loans to loans | 0.1608% | 7,025 |
| Net loans and leases to total assets | 35.2821% | 7,552 |
| Net loans and leases to deposits | 48.9808% | 7,314 |
| Net loans and leases to core deposits | 65.7908% | 6,994 |
| Total domestic deposits to total assets | 72.0325% | 7,239 |
| Equity capital to assets | 19.5849% | 328 |
| Core capital (leverage) ratio | 19.7606% | 290 |
| Tier 1 risk-based capital ratio | 38.4194% | 279 |
| Total risk-based capital ratio | 39.5181% | 272 |
| Memoranda: | ||
| Average total assets | $61,077,800 | 6,310 |
| Average earning assets | $50,653,800 | 6,509 |
| Average equity | $13,052,800 | 4,497 |
| Average total loans | $23,451,600 | 7,001 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3226% | 5,314 |
| Cost of funding earning assets | 1.2105% | 6,858 |
| Net interest margin | 4.1121% | 2,346 |
| Noninterest income to average assets | 0.3612% | 5,608 |
| Noninterest expense to average assets | 2.2213% | 6,918 |
| Loan and lease loss provision to assets | 0.0494% | 6,876 |
| Net operating income to assets | 1.3925% | 1,050 |
| Return on assets (ROA) | 1.5303% | 815 |
| Pretax return on assets | 1.7210% | 930 |
| Return on Equity (ROE) | 6.9940% | 3,075 |
| Retained earnings to average equity (ytd only) | 4.0098% | 3,034 |
| Net charge-offs to loans | 0.0287% | 6,479 |
| Credit loss provision to net charge-offs | 440.0000% | 899 |
| Earnings coverage of net charge-offs (x) | 143.9250% | 270 |
| Efficiency ratio | 57.8947% | 6,730 |
| Assets per employee ($millions) | 6.4137% | 1,026 |
| Cash dividends to net income (ytd only)* | 42.6686% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9031% | 2,021 |
| Loan loss allowance to noncurrent loans | 96.6173% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.7375% | 5,655 |
| Noncurrent loans to loans | 1.9697% | 3,679 |
| Net loans and leases to total assets | 36.7292% | 7,593 |
| Net loans and leases to deposits | 53.0515% | 7,256 |
| Net loans and leases to core deposits | 66.7659% | 7,125 |
| Total domestic deposits to total assets | 69.2330% | 7,480 |
| Equity capital to assets | 21.2748% | 270 |
| Core capital (leverage) ratio | 20.8517% | 269 |
| Tier 1 risk-based capital ratio | 39.4210% | 292 |
| Total risk-based capital ratio | 40.6708% | 289 |
| Memoranda: | ||
| Average total assets | $59,422,250 | 6,407 |
| Average earning assets | $50,224,750 | 6,570 |
| Average equity | $13,001,250 | 4,534 |
| Average total loans | $23,249,750 | 7,076 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4099% | 5,097 |
| Cost of funding earning assets | 1.1968% | 7,115 |
| Net interest margin | 4.2131% | 1,947 |
| Noninterest income to average assets | 0.3595% | 5,635 |
| Noninterest expense to average assets | 2.2645% | 6,870 |
| Loan and lease loss provision to assets | 0.0519% | 6,711 |
| Net operating income to assets | 1.4807% | 870 |
| Return on assets (ROA) | 1.6767% | 644 |
| Pretax return on assets | 1.8634% | 751 |
| Return on Equity (ROE) | 7.5860% | 2,926 |
| Retained earnings to average equity (ytd only) | 3.0344% | 3,631 |
| Net charge-offs to loans | 0.0174% | 6,279 |
| Credit loss provision to net charge-offs | 750.0000% | 623 |
| Earnings coverage of net charge-offs (x) | 245.5000% | 165 |
| Efficiency ratio | 57.1553% | 6,972 |
| Assets per employee ($millions) | 6.7409% | 872 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8834% | 1,835 |
| Loan loss allowance to noncurrent loans | 514.7727% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.1451% | 7,202 |
| Noncurrent loans to loans | 0.3659% | 6,596 |
| Net loans and leases to total assets | 38.8986% | 7,605 |
| Net loans and leases to deposits | 56.2135% | 7,152 |
| Net loans and leases to core deposits | 67.9303% | 7,126 |
| Total domestic deposits to total assets | 69.1979% | 7,535 |
| Equity capital to assets | 21.0968% | 326 |
| Core capital (leverage) ratio | 21.3925% | 296 |
| Tier 1 risk-based capital ratio | 38.6720% | 336 |
| Total risk-based capital ratio | 39.9224% | 328 |
| Memoranda: | ||
| Average total assets | $57,850,670 | 6,517 |
| Average earning assets | $49,464,670 | 6,655 |
| Average equity | $12,786,670 | 4,601 |
| Average total loans | $22,995,000 | 7,148 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6070% | 4,312 |
| Cost of funding earning assets | 1.1527% | 7,407 |
| Net interest margin | 4.4543% | 1,224 |
| Noninterest income to average assets | 0.3614% | 5,551 |
| Noninterest expense to average assets | 2.3032% | 6,528 |
| Loan and lease loss provision to assets | 0.0496% | 6,349 |
| Net operating income to assets | 1.6841% | 666 |
| Return on assets (ROA) | 1.7292% | 669 |
| Pretax return on assets | 1.8922% | 811 |
| Return on Equity (ROE) | 7.6366% | 3,311 |
| Retained earnings to average equity (ytd only) | 7.6366% | 1,960 |
| Net charge-offs to loans | 0.0356% | 5,013 |
| Credit loss provision to net charge-offs | 350.0000% | 1,433 |
| Earnings coverage of net charge-offs (x) | 133.5000% | 324 |
| Efficiency ratio | 54.8986% | 7,114 |
| Assets per employee ($millions) | 6.4199% | 1,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0146% | 1,383 |
| Loan loss allowance to noncurrent loans | 593.3333% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 7,199 |
| Noncurrent loans to loans | 0.3395% | 6,581 |
| Net loans and leases to total assets | 37.4600% | 7,678 |
| Net loans and leases to deposits | 54.1682% | 7,276 |
| Net loans and leases to core deposits | 63.9126% | 7,322 |
| Total domestic deposits to total assets | 69.1549% | 7,498 |
| Equity capital to assets | 22.3836% | 296 |
| Core capital (leverage) ratio | 22.9254% | 282 |
| Tier 1 risk-based capital ratio | 41.1139% | 298 |
| Total risk-based capital ratio | 42.3647% | 293 |
| Memoranda: | ||
| Average total assets | $56,442,000 | 6,611 |
| Average earning assets | $48,582,000 | 6,725 |
| Average equity | $12,780,500 | 4,633 |
| Average total loans | $22,466,500 | 7,220 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8425% | 6,289 |
| Cost of funding earning assets | 1.7264% | 7,199 |
| Net interest margin | 4.1161% | 2,642 |
| Noninterest income to average assets | 0.3836% | 5,607 |
| Noninterest expense to average assets | 2.0784% | 7,280 |
| Loan and lease loss provision to assets | 0.0540% | 6,741 |
| Net operating income to assets | 1.6529% | 741 |
| Return on assets (ROA) | 1.6498% | 721 |
| Pretax return on assets | 1.8803% | 798 |
| Return on Equity (ROE) | 7.3815% | 3,331 |
| Retained earnings to average equity (ytd only) | 2.9494% | 3,335 |
| Net charge-offs to loans | 0.0044% | 6,925 |
| Credit loss provision to net charge-offs | 3,000.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 1,076.0000% | 40 |
| Efficiency ratio | 51.7489% | 7,517 |
| Assets per employee ($millions) | 6.1228% | 1,070 |
| Cash dividends to net income (ytd only)* | 60.0437% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9261% | 1,368 |
| Loan loss allowance to noncurrent loans | 440.0000% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.1815% | 6,836 |
| Noncurrent loans to loans | 0.4378% | 6,042 |
| Net loans and leases to total assets | 40.6569% | 7,642 |
| Net loans and leases to deposits | 61.2516% | 7,002 |
| Net loans and leases to core deposits | 66.5103% | 7,345 |
| Total domestic deposits to total assets | 66.3769% | 7,634 |
| Equity capital to assets | 22.9163% | 317 |
| Core capital (leverage) ratio | 22.7811% | 316 |
| Tier 1 risk-based capital ratio | 40.2240% | 338 |
| Total risk-based capital ratio | 41.4742% | 327 |
| Memoranda: | ||
| Average total assets | $55,523,000 | 6,552 |
| Average earning assets | $49,002,600 | 6,637 |
| Average equity | $12,409,400 | 4,727 |
| Average total loans | $22,686,000 | 7,154 |