Home > The Pineries Bank > Performance and Condition Ratios
The Pineries Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6988% | 4,276 |
| Cost of funding earning assets | 1.0542% | 3,185 |
| Net interest margin | 2.6446% | 3,907 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 1.6884% | 4,144 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0057% | 2,204 |
| Return on assets (ROA) | 1.0498% | 2,037 |
| Pretax return on assets | 1.0498% | 2,534 |
| Return on Equity (ROE) | 10.6600% | 2,321 |
| Retained earnings to average equity (ytd only) | 6.5916% | 2,023 |
| Net charge-offs to loans | -0.0026% | 3,722 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.5680% | 2,775 |
| Assets per employee ($millions) | 11.1644% | 513 |
| Cash dividends to net income (ytd only)* | 38.1818% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7783% | 4,008 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 59.8600% | 2,852 |
| Net loans and leases to deposits | 67.4449% | 3,073 |
| Net loans and leases to core deposits | 72.5662% | 3,150 |
| Total domestic deposits to total assets | 88.7500% | 1,138 |
| Equity capital to assets | 10.3028% | 1,840 |
| Core capital (leverage) ratio | 9.9399% | 2,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6125% | 638 |
| Memoranda: | ||
| Average total assets | $136,221,400 | 3,489 |
| Average earning assets | $127,393,000 | 3,467 |
| Average equity | $13,411,000 | 3,386 |
| Average total loans | $76,771,200 | 3,458 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5055% | 4,382 |
| Cost of funding earning assets | 0.9391% | 3,180 |
| Net interest margin | 2.5664% | 4,071 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 1.6551% | 4,183 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9718% | 2,444 |
| Return on assets (ROA) | 1.0303% | 2,262 |
| Pretax return on assets | 1.0303% | 2,768 |
| Return on Equity (ROE) | 10.5900% | 2,484 |
| Retained earnings to average equity (ytd only) | 7.6415% | 2,096 |
| Net charge-offs to loans | -0.0035% | 3,672 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.9122% | 2,623 |
| Assets per employee ($millions) | 11.2285% | 474 |
| Cash dividends to net income (ytd only)* | 27.8146% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7918% | 3,998 |
| 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 | 58.3000% | 3,004 |
| Net loans and leases to deposits | 65.5382% | 3,170 |
| Net loans and leases to core deposits | 69.6288% | 3,225 |
| Total domestic deposits to total assets | 88.9600% | 1,269 |
| Equity capital to assets | 10.1550% | 1,735 |
| Core capital (leverage) ratio | 9.9540% | 2,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6776% | 642 |
| Memoranda: | ||
| Average total assets | $136,783,500 | 3,495 |
| Average earning assets | $128,063,250 | 3,472 |
| Average equity | $13,313,000 | 3,393 |
| Average total loans | $75,759,250 | 3,478 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3353% | 4,443 |
| Cost of funding earning assets | 0.8071% | 3,186 |
| Net interest margin | 2.5283% | 4,181 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.6368% | 4,225 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9268% | 2,661 |
| Return on assets (ROA) | 1.0141% | 2,374 |
| Pretax return on assets | 1.0141% | 2,875 |
| Return on Equity (ROE) | 10.5700% | 2,538 |
| Retained earnings to average equity (ytd only) | 7.9759% | 1,972 |
| Net charge-offs to loans | -0.0027% | 3,583 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.7394% | 2,516 |
| Assets per employee ($millions) | 10.2691% | 623 |
| Cash dividends to net income (ytd only)* | 24.5337% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8183% | 3,976 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 56.7400% | 3,066 |
| Net loans and leases to deposits | 63.6210% | 3,221 |
| Net loans and leases to core deposits | 66.9652% | 3,290 |
| Total domestic deposits to total assets | 89.1900% | 1,177 |
| Equity capital to assets | 10.0721% | 1,812 |
| Core capital (leverage) ratio | 9.5526% | 3,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4494% | 673 |
| Memoranda: | ||
| Average total assets | $137,464,000 | 3,496 |
| Average earning assets | $128,863,000 | 3,474 |
| Average equity | $13,189,667 | 3,419 |
| Average total loans | $74,617,333 | 3,495 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1458% | 4,513 |
| Cost of funding earning assets | 0.6426% | 3,248 |
| Net interest margin | 2.5032% | 4,296 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 1.5977% | 4,309 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9380% | 2,725 |
| Return on assets (ROA) | 1.1101% | 2,160 |
| Pretax return on assets | 1.1101% | 2,678 |
| Return on Equity (ROE) | 11.8500% | 2,257 |
| Retained earnings to average equity (ytd only) | 8.6667% | 2,034 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.9379% | 2,578 |
| Assets per employee ($millions) | 10.7840% | 549 |
| Cash dividends to net income (ytd only)* | 26.8734% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8363% | 4,017 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 52.6100% | 3,307 |
| Net loans and leases to deposits | 58.4617% | 3,428 |
| Net loans and leases to core deposits | 61.3693% | 3,480 |
| Total domestic deposits to total assets | 89.9800% | 1,162 |
| Equity capital to assets | 9.4178% | 2,217 |
| Core capital (leverage) ratio | 9.3619% | 3,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6806% | 688 |
| Memoranda: | ||
| Average total assets | $139,447,000 | 3,525 |
| Average earning assets | $130,713,000 | 3,498 |
| Average equity | $13,061,500 | 3,470 |
| Average total loans | $73,738,000 | 3,547 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7393% | 4,374 |
| Cost of funding earning assets | 0.2231% | 3,571 |
| Net interest margin | 2.5162% | 4,271 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.6145% | 4,291 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.9573% | 2,738 |
| Return on assets (ROA) | 0.9682% | 2,630 |
| Pretax return on assets | 0.9668% | 3,169 |
| Return on Equity (ROE) | 10.6100% | 2,610 |
| Retained earnings to average equity (ytd only) | 6.3359% | 2,516 |
| Net charge-offs to loans | -0.0128% | 3,910 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.5989% | 2,688 |
| Assets per employee ($millions) | 10.6694% | 545 |
| Cash dividends to net income (ytd only)* | 40.2558% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8495% | 3,924 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 52.2600% | 3,338 |
| Net loans and leases to deposits | 58.0119% | 3,460 |
| Net loans and leases to core deposits | 60.8278% | 3,463 |
| Total domestic deposits to total assets | 90.0800% | 1,331 |
| Equity capital to assets | 9.3149% | 2,145 |
| Core capital (leverage) ratio | 9.2193% | 3,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4771% | 671 |
| Memoranda: | ||
| Average total assets | $137,258,200 | 3,560 |
| Average earning assets | $129,084,600 | 3,537 |
| Average equity | $12,531,800 | 3,616 |
| Average total loans | $70,188,200 | 3,574 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6423% | 4,352 |
| Cost of funding earning assets | 0.1904% | 3,392 |
| Net interest margin | 2.4518% | 4,259 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.5924% | 4,308 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.9223% | 2,784 |
| Return on assets (ROA) | 0.9223% | 2,753 |
| Pretax return on assets | 0.9223% | 3,253 |
| Return on Equity (ROE) | 10.1500% | 2,681 |
| Retained earnings to average equity (ytd only) | 7.2162% | 2,294 |
| Net charge-offs to loans | -0.0134% | 3,831 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.0787% | 2,675 |
| Assets per employee ($millions) | 11.6758% | 425 |
| Cash dividends to net income (ytd only)* | 28.9335% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8650% | 3,953 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 50.4700% | 3,421 |
| Net loans and leases to deposits | 55.9069% | 3,486 |
| Net loans and leases to core deposits | 58.4350% | 3,474 |
| Total domestic deposits to total assets | 90.2700% | 1,540 |
| Equity capital to assets | 9.1343% | 2,125 |
| Core capital (leverage) ratio | 8.9431% | 3,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5373% | 678 |
| Memoranda: | ||
| Average total assets | $136,897,250 | 3,584 |
| Average earning assets | $128,825,750 | 3,561 |
| Average equity | $12,434,750 | 3,662 |
| Average total loans | $69,459,250 | 3,599 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5636% | 4,314 |
| Cost of funding earning assets | 0.1935% | 3,000 |
| Net interest margin | 2.3701% | 4,258 |
| Noninterest income to average assets | 0.2032% | 3,981 |
| Noninterest expense to average assets | 1.5962% | 4,309 |
| Loan and lease loss provision to assets | 0.0133% | 2,354 |
| Net operating income to assets | 0.8305% | 2,851 |
| Return on assets (ROA) | 0.8305% | 2,825 |
| Pretax return on assets | 0.8305% | 3,250 |
| Return on Equity (ROE) | 9.1606% | 2,643 |
| Retained earnings to average equity (ytd only) | 6.6755% | 2,100 |
| Net charge-offs to loans | -0.0116% | 3,635 |
| Credit loss provision to net charge-offs | -225.0000% | 3,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4194% | 2,593 |
| Assets per employee ($millions) | 11.5168% | 437 |
| Cash dividends to net income (ytd only)* | 27.1277% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8735% | 4,018 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 50.3376% | 3,334 |
| Net loans and leases to deposits | 55.7084% | 3,407 |
| Net loans and leases to core deposits | 59.3266% | 3,318 |
| Total domestic deposits to total assets | 90.3590% | 1,542 |
| Equity capital to assets | 9.0716% | 2,343 |
| Core capital (leverage) ratio | 8.8003% | 3,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3392% | 675 |
| Memoranda: | ||
| Average total assets | $135,826,333 | 3,639 |
| Average earning assets | $128,181,000 | 3,618 |
| Average equity | $12,313,667 | 3,756 |
| Average total loans | $68,836,333 | 3,637 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4205% | 4,356 |
| Cost of funding earning assets | 0.2020% | 2,770 |
| Net interest margin | 2.2185% | 4,326 |
| Noninterest income to average assets | 0.2347% | 3,737 |
| Noninterest expense to average assets | 1.6013% | 4,296 |
| Loan and lease loss provision to assets | 0.0178% | 2,038 |
| Net operating income to assets | 0.7041% | 3,043 |
| Return on assets (ROA) | 0.7041% | 3,034 |
| Pretax return on assets | 0.7041% | 3,381 |
| Return on Equity (ROE) | 7.7692% | 2,772 |
| Retained earnings to average equity (ytd only) | 5.0484% | 2,576 |
| Net charge-offs to loans | -0.0059% | 3,390 |
| Credit loss provision to net charge-offs | -600.0000% | 3,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9258% | 2,381 |
| Assets per employee ($millions) | 11.4725% | 451 |
| Cash dividends to net income (ytd only)* | 35.0211% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8863% | 4,076 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 49.3063% | 3,244 |
| Net loans and leases to deposits | 54.4713% | 3,380 |
| Net loans and leases to core deposits | 58.2641% | 3,288 |
| Total domestic deposits to total assets | 90.5179% | 1,285 |
| Equity capital to assets | 8.9192% | 2,785 |
| Core capital (leverage) ratio | 9.0079% | 3,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8624% | 658 |
| Memoranda: | ||
| Average total assets | $134,639,000 | 3,669 |
| Average earning assets | $126,753,000 | 3,649 |
| Average equity | $12,202,000 | 3,840 |
| Average total loans | $68,164,500 | 3,654 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7664% | 4,246 |
| Cost of funding earning assets | 0.2863% | 2,540 |
| Net interest margin | 2.4801% | 4,216 |
| Noninterest income to average assets | 0.2746% | 3,752 |
| Noninterest expense to average assets | 1.5975% | 4,428 |
| Loan and lease loss provision to assets | 0.0187% | 2,694 |
| Net operating income to assets | 0.9813% | 2,749 |
| Return on assets (ROA) | 0.9813% | 2,819 |
| Pretax return on assets | 0.9828% | 3,307 |
| Return on Equity (ROE) | 10.6257% | 2,302 |
| Retained earnings to average equity (ytd only) | 6.3095% | 2,225 |
| Net charge-offs to loans | -0.0226% | 4,023 |
| Credit loss provision to net charge-offs | -160.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4646% | 2,939 |
| Assets per employee ($millions) | 10.9673% | 514 |
| Cash dividends to net income (ytd only)* | 40.6200% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8844% | 4,099 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 51.0926% | 3,166 |
| Net loans and leases to deposits | 56.6635% | 3,365 |
| Net loans and leases to core deposits | 60.8255% | 3,255 |
| Total domestic deposits to total assets | 90.1685% | 880 |
| Equity capital to assets | 9.2130% | 3,407 |
| Core capital (leverage) ratio | 8.7764% | 3,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8544% | 673 |
| Memoranda: | ||
| Average total assets | $128,200,800 | 3,699 |
| Average earning assets | $120,154,400 | 3,687 |
| Average equity | $11,839,200 | 3,950 |
| Average total loans | $66,406,800 | 3,719 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8142% | 4,284 |
| Cost of funding earning assets | 0.3074% | 2,526 |
| Net interest margin | 2.5069% | 4,261 |
| Noninterest income to average assets | 0.2984% | 3,652 |
| Noninterest expense to average assets | 1.5767% | 4,489 |
| Loan and lease loss provision to assets | 0.0188% | 2,631 |
| Net operating income to assets | 1.0501% | 2,729 |
| Return on assets (ROA) | 1.0501% | 2,794 |
| Pretax return on assets | 1.0512% | 3,319 |
| Return on Equity (ROE) | 11.3641% | 2,254 |
| Retained earnings to average equity (ytd only) | 8.2030% | 1,997 |
| Net charge-offs to loans | -0.0242% | 4,049 |
| Credit loss provision to net charge-offs | -150.0000% | 3,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5728% | 3,053 |
| Assets per employee ($millions) | 11.1658% | 460 |
| Cash dividends to net income (ytd only)* | 27.8166% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8869% | 4,183 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 49.2891% | 3,495 |
| Net loans and leases to deposits | 54.5599% | 3,692 |
| Net loans and leases to core deposits | 58.5416% | 3,582 |
| Total domestic deposits to total assets | 90.3395% | 622 |
| Equity capital to assets | 9.0328% | 3,800 |
| Core capital (leverage) ratio | 8.9726% | 3,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7154% | 722 |
| Memoranda: | ||
| Average total assets | $127,349,000 | 3,751 |
| Average earning assets | $119,294,750 | 3,734 |
| Average equity | $11,767,750 | 4,010 |
| Average total loans | $66,048,000 | 3,776 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8653% | 4,268 |
| Cost of funding earning assets | 0.3338% | 2,456 |
| Net interest margin | 2.5315% | 4,267 |
| Noninterest income to average assets | 0.3628% | 3,287 |
| Noninterest expense to average assets | 1.5935% | 4,519 |
| Loan and lease loss provision to assets | 0.0192% | 2,573 |
| Net operating income to assets | 1.1124% | 2,497 |
| Return on assets (ROA) | 1.1124% | 2,560 |
| Pretax return on assets | 1.1140% | 3,169 |
| Return on Equity (ROE) | 11.9423% | 2,085 |
| Retained earnings to average equity (ytd only) | 8.9053% | 1,736 |
| Net charge-offs to loans | -0.0152% | 3,861 |
| Credit loss provision to net charge-offs | -240.0000% | 3,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4408% | 3,222 |
| Assets per employee ($millions) | 9.9806% | 609 |
| Cash dividends to net income (ytd only)* | 25.4310% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8730% | 4,226 |
| 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 | 50.5834% | 3,495 |
| Net loans and leases to deposits | 56.0891% | 3,703 |
| Net loans and leases to core deposits | 59.8801% | 3,625 |
| Total domestic deposits to total assets | 90.1840% | 688 |
| Equity capital to assets | 9.1701% | 3,631 |
| Core capital (leverage) ratio | 9.1356% | 3,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9240% | 711 |
| Memoranda: | ||
| Average total assets | $125,135,667 | 3,794 |
| Average earning assets | $116,846,667 | 3,775 |
| Average equity | $11,656,000 | 4,030 |
| Average total loans | $65,853,000 | 3,797 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0419% | 4,000 |
| Cost of funding earning assets | 0.3601% | 2,442 |
| Net interest margin | 2.6818% | 4,003 |
| Noninterest income to average assets | 0.5080% | 2,575 |
| Noninterest expense to average assets | 1.5859% | 4,559 |
| Loan and lease loss provision to assets | 0.0195% | 2,524 |
| Net operating income to assets | 1.4003% | 1,575 |
| Return on assets (ROA) | 1.4003% | 1,650 |
| Pretax return on assets | 1.4003% | 2,277 |
| Return on Equity (ROE) | 14.9111% | 1,234 |
| Retained earnings to average equity (ytd only) | 10.8886% | 1,428 |
| Net charge-offs to loans | -0.0183% | 3,951 |
| Credit loss provision to net charge-offs | -200.0000% | 2,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7627% | 3,934 |
| Assets per employee ($millions) | 11.4895% | 389 |
| Cash dividends to net income (ytd only)* | 26.9767% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8824% | 4,203 |
| 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 | 50.6623% | 3,571 |
| Net loans and leases to deposits | 58.2728% | 3,625 |
| Net loans and leases to core deposits | 62.4064% | 3,549 |
| Total domestic deposits to total assets | 86.9398% | 2,333 |
| Equity capital to assets | 9.2512% | 3,443 |
| Core capital (leverage) ratio | 9.4364% | 3,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5667% | 725 |
| Memoranda: | ||
| Average total assets | $122,829,500 | 3,834 |
| Average earning assets | $114,402,000 | 3,807 |
| Average equity | $11,535,000 | 4,053 |
| Average total loans | $65,675,000 | 3,818 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4579% | 4,101 |
| Cost of funding earning assets | 0.6391% | 2,065 |
| Net interest margin | 2.8188% | 4,236 |
| Noninterest income to average assets | 0.2204% | 4,177 |
| Noninterest expense to average assets | 1.7837% | 4,497 |
| Loan and lease loss provision to assets | 0.0395% | 3,912 |
| Net operating income to assets | 1.0434% | 2,129 |
| Return on assets (ROA) | 1.0434% | 2,272 |
| Pretax return on assets | 1.0469% | 2,890 |
| Return on Equity (ROE) | 10.7502% | 1,724 |
| Retained earnings to average equity (ytd only) | 6.3614% | 1,645 |
| Net charge-offs to loans | 0.0880% | 1,582 |
| Credit loss provision to net charge-offs | 77.5862% | 2,999 |
| Earnings coverage of net charge-offs (x) | 21.3276% | 1,901 |
| Efficiency ratio | 62.1481% | 3,100 |
| Assets per employee ($millions) | 9.9396% | 543 |
| Cash dividends to net income (ytd only)* | 40.8249% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8404% | 4,342 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 55.4936% | 3,347 |
| Net loans and leases to deposits | 64.2859% | 3,414 |
| Net loans and leases to core deposits | 68.9371% | 3,338 |
| Total domestic deposits to total assets | 86.3232% | 2,221 |
| Equity capital to assets | 9.5393% | 3,571 |
| Core capital (leverage) ratio | 9.0881% | 3,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5887% | 824 |
| Memoranda: | ||
| Average total assets | $113,863,800 | 3,827 |
| Average earning assets | $107,031,600 | 3,813 |
| Average equity | $11,051,000 | 4,070 |
| Average total loans | $65,889,600 | 3,814 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4944% | 4,220 |
| Cost of funding earning assets | 0.6933% | 2,062 |
| Net interest margin | 2.8011% | 4,340 |
| Noninterest income to average assets | 0.1943% | 4,310 |
| Noninterest expense to average assets | 1.8273% | 4,446 |
| Loan and lease loss provision to assets | 0.0204% | 4,079 |
| Net operating income to assets | 0.9800% | 2,408 |
| Return on assets (ROA) | 0.9800% | 2,549 |
| Pretax return on assets | 0.9848% | 3,122 |
| Return on Equity (ROE) | 10.0521% | 2,001 |
| Retained earnings to average equity (ytd only) | 7.3172% | 1,576 |
| Net charge-offs to loans | 0.1218% | 1,150 |
| Credit loss provision to net charge-offs | 28.3333% | 2,959 |
| Earnings coverage of net charge-offs (x) | 14.1333% | 2,168 |
| Efficiency ratio | 64.5188% | 2,657 |
| Assets per employee ($millions) | 10.0528% | 500 |
| Cash dividends to net income (ytd only)* | 27.2068% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7702% | 4,438 |
| Loan loss allowance to noncurrent loans | 53,100.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.1069% | 3,902 |
| Noncurrent loans to loans | 0.0015% | 4,462 |
| Net loans and leases to total assets | 56.7142% | 3,549 |
| Net loans and leases to deposits | 65.5791% | 3,650 |
| Net loans and leases to core deposits | 70.8651% | 3,565 |
| Total domestic deposits to total assets | 86.4821% | 1,869 |
| Equity capital to assets | 9.3482% | 3,823 |
| Core capital (leverage) ratio | 9.1005% | 3,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7948% | 807 |
| Memoranda: | ||
| Average total assets | $112,511,000 | 3,841 |
| Average earning assets | $105,957,250 | 3,821 |
| Average equity | $10,969,250 | 4,090 |
| Average total loans | $65,674,250 | 3,831 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5635% | 4,323 |
| Cost of funding earning assets | 0.7545% | 2,090 |
| Net interest margin | 2.8090% | 4,436 |
| Noninterest income to average assets | 0.6753% | 1,831 |
| Noninterest expense to average assets | 1.8911% | 4,433 |
| Loan and lease loss provision to assets | 0.0182% | 4,009 |
| Net operating income to assets | 1.4033% | 1,106 |
| Return on assets (ROA) | 1.4033% | 1,199 |
| Pretax return on assets | 1.4088% | 1,707 |
| Return on Equity (ROE) | 14.0899% | 869 |
| Retained earnings to average equity (ytd only) | 11.4583% | 540 |
| Net charge-offs to loans | 0.1949% | 788 |
| Credit loss provision to net charge-offs | 15.8730% | 2,739 |
| Earnings coverage of net charge-offs (x) | 12.4444% | 2,053 |
| Efficiency ratio | 56.9940% | 3,821 |
| Assets per employee ($millions) | 9.1488% | 655 |
| Cash dividends to net income (ytd only)* | 18.6770% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7680% | 4,419 |
| Loan loss allowance to noncurrent loans | 403.8760% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.1085% | 3,985 |
| Noncurrent loans to loans | 0.1902% | 3,700 |
| Net loans and leases to total assets | 56.5978% | 3,638 |
| Net loans and leases to deposits | 65.5999% | 3,753 |
| Net loans and leases to core deposits | 71.9513% | 3,593 |
| Total domestic deposits to total assets | 86.2773% | 1,896 |
| Equity capital to assets | 9.5036% | 3,656 |
| Core capital (leverage) ratio | 9.6643% | 3,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5561% | 715 |
| Memoranda: | ||
| Average total assets | $109,881,000 | 3,870 |
| Average earning assets | $103,382,333 | 3,850 |
| Average equity | $10,944,000 | 4,097 |
| Average total loans | $64,660,667 | 3,861 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8163% | 4,198 |
| Cost of funding earning assets | 0.8265% | 2,238 |
| Net interest margin | 2.9899% | 4,295 |
| Noninterest income to average assets | 0.2582% | 3,998 |
| Noninterest expense to average assets | 2.0312% | 4,342 |
| Loan and lease loss provision to assets | 0.0152% | 3,601 |
| Net operating income to assets | 1.0023% | 2,163 |
| Return on assets (ROA) | 1.0023% | 2,270 |
| Pretax return on assets | 1.0137% | 2,803 |
| Return on Equity (ROE) | 9.8100% | 1,806 |
| Retained earnings to average equity (ytd only) | 6.6515% | 1,664 |
| Net charge-offs to loans | 0.0063% | 2,348 |
| Credit loss provision to net charge-offs | 400.0000% | 996 |
| Earnings coverage of net charge-offs (x) | 271.0000% | 264 |
| Efficiency ratio | 66.3772% | 2,899 |
| Assets per employee ($millions) | 8.1735% | 695 |
| Cash dividends to net income (ytd only)* | 32.1970% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9089% | 4,077 |
| Loan loss allowance to noncurrent loans | 303.6842% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 3,775 |
| Noncurrent loans to loans | 0.2993% | 3,429 |
| Net loans and leases to total assets | 59.2014% | 3,576 |
| Net loans and leases to deposits | 66.6021% | 3,823 |
| Net loans and leases to core deposits | 73.5963% | 3,663 |
| Total domestic deposits to total assets | 88.8882% | 712 |
| Equity capital to assets | 10.2150% | 3,592 |
| Core capital (leverage) ratio | 10.0038% | 3,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6387% | 910 |
| Memoranda: | ||
| Average total assets | $105,354,500 | 3,910 |
| Average earning assets | $98,733,500 | 3,893 |
| Average equity | $10,764,500 | 4,135 |
| Average total loans | $63,073,500 | 3,906 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0837% | 4,075 |
| Cost of funding earning assets | 0.8411% | 2,482 |
| Net interest margin | 3.2425% | 4,099 |
| Noninterest income to average assets | 0.4397% | 3,056 |
| Noninterest expense to average assets | 2.0877% | 4,385 |
| Loan and lease loss provision to assets | 0.0475% | 3,076 |
| Net operating income to assets | 1.3321% | 1,573 |
| Return on assets (ROA) | 1.3321% | 1,656 |
| Pretax return on assets | 1.3321% | 2,389 |
| Return on Equity (ROE) | 13.1917% | 1,119 |
| Retained earnings to average equity (ytd only) | 9.0037% | 709 |
| Net charge-offs to loans | -0.0127% | 4,534 |
| Credit loss provision to net charge-offs | -600.0000% | 4,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2114% | 3,661 |
| Assets per employee ($millions) | 8.0348% | 702 |
| Cash dividends to net income (ytd only)* | 31.7472% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9176% | 3,890 |
| Loan loss allowance to noncurrent loans | 297.9275% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 3,729 |
| Noncurrent loans to loans | 0.3080% | 3,336 |
| Net loans and leases to total assets | 59.4430% | 3,636 |
| Net loans and leases to deposits | 66.8670% | 3,907 |
| Net loans and leases to core deposits | 73.8349% | 3,733 |
| Total domestic deposits to total assets | 88.8974% | 713 |
| Equity capital to assets | 10.2199% | 3,714 |
| Core capital (leverage) ratio | 10.0426% | 3,469 |
| Tier 1 risk-based capital ratio | 18.1434% | 1,731 |
| Total risk-based capital ratio | 19.1553% | 1,733 |
| Memoranda: | ||
| Average total assets | $100,971,200 | 3,986 |
| Average earning assets | $94,278,200 | 3,962 |
| Average equity | $10,195,800 | 4,218 |
| Average total loans | $63,217,000 | 3,925 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1404% | 4,063 |
| Cost of funding earning assets | 0.8329% | 2,551 |
| Net interest margin | 3.3074% | 4,078 |
| Noninterest income to average assets | 0.2158% | 4,435 |
| Noninterest expense to average assets | 2.0832% | 4,391 |
| Loan and lease loss provision to assets | 0.0519% | 2,868 |
| Net operating income to assets | 1.1641% | 2,322 |
| Return on assets (ROA) | 1.1641% | 2,410 |
| Pretax return on assets | 1.1641% | 3,092 |
| Return on Equity (ROE) | 11.5651% | 1,778 |
| Retained earnings to average equity (ytd only) | 8.4423% | 1,225 |
| Net charge-offs to loans | -0.0126% | 4,455 |
| Credit loss provision to net charge-offs | -650.0000% | 4,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1409% | 3,138 |
| Assets per employee ($millions) | 7.8328% | 735 |
| Cash dividends to net income (ytd only)* | 27.0025% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8964% | 4,058 |
| 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 | 61.1272% | 3,578 |
| Net loans and leases to deposits | 68.8746% | 3,850 |
| Net loans and leases to core deposits | 77.1779% | 3,618 |
| Total domestic deposits to total assets | 88.7515% | 710 |
| Equity capital to assets | 10.2085% | 3,811 |
| Core capital (leverage) ratio | 9.9265% | 3,715 |
| Tier 1 risk-based capital ratio | 18.2453% | 1,748 |
| Total risk-based capital ratio | 19.2695% | 1,761 |
| Memoranda: | ||
| Average total assets | $100,100,750 | 4,042 |
| Average earning assets | $93,322,750 | 4,027 |
| Average equity | $10,076,000 | 4,277 |
| Average total loans | $63,355,000 | 3,963 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1383% | 4,072 |
| Cost of funding earning assets | 0.8065% | 2,607 |
| Net interest margin | 3.3318% | 4,075 |
| Noninterest income to average assets | 0.2110% | 4,477 |
| Noninterest expense to average assets | 2.0879% | 4,436 |
| Loan and lease loss provision to assets | 0.0603% | 2,620 |
| Net operating income to assets | 1.1675% | 2,266 |
| Return on assets (ROA) | 1.1675% | 2,343 |
| Pretax return on assets | 1.1675% | 3,016 |
| Return on Equity (ROE) | 11.6554% | 1,714 |
| Retained earnings to average equity (ytd only) | 8.5660% | 1,178 |
| Net charge-offs to loans | -0.0157% | 4,470 |
| Credit loss provision to net charge-offs | -600.0000% | 4,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9697% | 3,290 |
| Assets per employee ($millions) | 7.7480% | 733 |
| Cash dividends to net income (ytd only)* | 26.5060% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8724% | 4,189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 62.3833% | 3,501 |
| Net loans and leases to deposits | 70.1628% | 3,829 |
| Net loans and leases to core deposits | 79.4113% | 3,468 |
| Total domestic deposits to total assets | 88.9123% | 696 |
| Equity capital to assets | 10.1118% | 3,877 |
| Core capital (leverage) ratio | 9.9262% | 3,668 |
| Tier 1 risk-based capital ratio | 17.5793% | 1,914 |
| Total risk-based capital ratio | 18.5693% | 1,947 |
| Memoranda: | ||
| Average total assets | $99,525,330 | 4,077 |
| Average earning assets | $92,742,330 | 4,062 |
| Average equity | $9,969,670 | 4,301 |
| Average total loans | $63,537,670 | 3,982 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1323% | 4,052 |
| Cost of funding earning assets | 0.7640% | 2,712 |
| Net interest margin | 3.3683% | 3,983 |
| Noninterest income to average assets | 0.2103% | 4,488 |
| Noninterest expense to average assets | 2.0702% | 4,514 |
| Loan and lease loss provision to assets | 0.0607% | 2,444 |
| Net operating income to assets | 1.2171% | 1,998 |
| Return on assets (ROA) | 1.2171% | 2,046 |
| Pretax return on assets | 1.2171% | 2,742 |
| Return on Equity (ROE) | 12.2085% | 1,460 |
| Retained earnings to average equity (ytd only) | 8.4770% | 1,498 |
| Net charge-offs to loans | -0.0189% | 4,470 |
| Credit loss provision to net charge-offs | -500.0000% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8357% | 3,558 |
| Assets per employee ($millions) | 7.6628% | 759 |
| Cash dividends to net income (ytd only)* | 30.5648% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8459% | 4,362 |
| Loan loss allowance to noncurrent loans | 992.5926% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 4,423 |
| Noncurrent loans to loans | 0.0852% | 4,373 |
| Net loans and leases to total assets | 63.0732% | 3,395 |
| Net loans and leases to deposits | 70.7811% | 3,710 |
| Net loans and leases to core deposits | 80.1692% | 3,356 |
| Total domestic deposits to total assets | 89.1102% | 813 |
| Equity capital to assets | 10.0044% | 3,821 |
| Core capital (leverage) ratio | 9.8216% | 3,793 |
| Tier 1 risk-based capital ratio | 17.3554% | 1,994 |
| Total risk-based capital ratio | 18.3243% | 2,029 |
| Memoranda: | ||
| Average total assets | $98,926,000 | 4,124 |
| Average earning assets | $92,152,500 | 4,108 |
| Average equity | $9,862,000 | 4,347 |
| Average total loans | $63,612,500 | 4,018 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0009% | 4,027 |
| Cost of funding earning assets | 0.5846% | 2,821 |
| Net interest margin | 3.4163% | 3,956 |
| Noninterest income to average assets | 0.1665% | 4,890 |
| Noninterest expense to average assets | 2.0302% | 4,698 |
| Loan and lease loss provision to assets | 0.0382% | 3,441 |
| Net operating income to assets | 1.2718% | 1,904 |
| Return on assets (ROA) | 1.2718% | 1,903 |
| Pretax return on assets | 1.2718% | 2,609 |
| Return on Equity (ROE) | 12.6357% | 1,492 |
| Retained earnings to average equity (ytd only) | 6.7130% | 1,809 |
| Net charge-offs to loans | 0.0530% | 2,396 |
| Credit loss provision to net charge-offs | 112.5000% | 2,301 |
| Earnings coverage of net charge-offs (x) | 38.5938% | 1,350 |
| Efficiency ratio | 60.7812% | 3,730 |
| Assets per employee ($millions) | 7.5566% | 779 |
| Cash dividends to net income (ytd only)* | 46.8724% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8112% | 4,497 |
| Loan loss allowance to noncurrent loans | 2,252.1739% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 4,754 |
| Noncurrent loans to loans | 0.0360% | 4,609 |
| Net loans and leases to total assets | 64.4774% | 3,302 |
| Net loans and leases to deposits | 72.2853% | 3,647 |
| Net loans and leases to core deposits | 81.7997% | 3,280 |
| Total domestic deposits to total assets | 89.1985% | 775 |
| Equity capital to assets | 9.9332% | 3,737 |
| Core capital (leverage) ratio | 9.6557% | 3,944 |
| Tier 1 risk-based capital ratio | 17.1813% | 2,003 |
| Total risk-based capital ratio | 18.1288% | 2,051 |
| Memoranda: | ||
| Average total assets | $94,277,400 | 4,195 |
| Average earning assets | $87,579,800 | 4,195 |
| Average equity | $9,489,000 | 4,385 |
| Average total loans | $60,326,000 | 4,084 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9226% | 4,153 |
| Cost of funding earning assets | 0.5408% | 2,927 |
| Net interest margin | 3.3819% | 4,058 |
| Noninterest income to average assets | 0.1429% | 5,059 |
| Noninterest expense to average assets | 1.9223% | 4,871 |
| Loan and lease loss provision to assets | 0.0386% | 3,229 |
| Net operating income to assets | 1.3192% | 1,777 |
| Return on assets (ROA) | 1.3192% | 1,787 |
| Pretax return on assets | 1.3192% | 2,548 |
| Return on Equity (ROE) | 13.0617% | 1,407 |
| Retained earnings to average equity (ytd only) | 8.7172% | 1,336 |
| Net charge-offs to loans | 0.0763% | 1,764 |
| Credit loss provision to net charge-offs | 79.4118% | 2,535 |
| Earnings coverage of net charge-offs (x) | 27.9426% | 1,685 |
| Efficiency ratio | 58.6057% | 4,023 |
| Assets per employee ($millions) | 8.0733% | 633 |
| Cash dividends to net income (ytd only)* | 33.2607% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8066% | 4,591 |
| Loan loss allowance to noncurrent loans | 120.7143% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.4335% | 2,954 |
| Noncurrent loans to loans | 0.6682% | 2,406 |
| Net loans and leases to total assets | 64.3590% | 3,380 |
| Net loans and leases to deposits | 72.2449% | 3,752 |
| Net loans and leases to core deposits | 81.1682% | 3,393 |
| Total domestic deposits to total assets | 89.0844% | 820 |
| Equity capital to assets | 10.0495% | 3,587 |
| Core capital (leverage) ratio | 10.0392% | 3,593 |
| Tier 1 risk-based capital ratio | 16.6206% | 2,235 |
| Total risk-based capital ratio | 17.5198% | 2,288 |
| Memoranda: | ||
| Average total assets | $93,287,750 | 4,254 |
| Average earning assets | $86,538,000 | 4,259 |
| Average equity | $9,421,750 | 4,434 |
| Average total loans | $59,443,000 | 4,150 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8888% | 4,105 |
| Cost of funding earning assets | 0.4911% | 3,075 |
| Net interest margin | 3.3978% | 3,959 |
| Noninterest income to average assets | 0.1086% | 5,242 |
| Noninterest expense to average assets | 1.9437% | 4,895 |
| Loan and lease loss provision to assets | 0.0391% | 3,126 |
| Net operating income to assets | 1.2814% | 1,851 |
| Return on assets (ROA) | 1.2814% | 1,856 |
| Pretax return on assets | 1.2814% | 2,586 |
| Return on Equity (ROE) | 12.6650% | 1,486 |
| Retained earnings to average equity (ytd only) | 8.1571% | 1,555 |
| Net charge-offs to loans | 0.0412% | 2,037 |
| Credit loss provision to net charge-offs | 150.0000% | 1,577 |
| Earnings coverage of net charge-offs (x) | 50.6667% | 1,120 |
| Efficiency ratio | 59.5476% | 4,003 |
| Assets per employee ($millions) | 7.7772% | 685 |
| Cash dividends to net income (ytd only)* | 35.5932% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8724% | 4,460 |
| Loan loss allowance to noncurrent loans | 684.2105% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.0814% | 4,602 |
| Noncurrent loans to loans | 0.1275% | 4,336 |
| Net loans and leases to total assets | 63.3125% | 3,473 |
| Net loans and leases to deposits | 71.1549% | 3,772 |
| Net loans and leases to core deposits | 77.8403% | 3,593 |
| Total domestic deposits to total assets | 88.9784% | 943 |
| Equity capital to assets | 10.1794% | 3,454 |
| Core capital (leverage) ratio | 9.9792% | 3,601 |
| Tier 1 risk-based capital ratio | 16.9676% | 2,112 |
| Total risk-based capital ratio | 17.9334% | 2,151 |
| Memoranda: | ||
| Average total assets | $92,090,330 | 4,315 |
| Average earning assets | $85,527,000 | 4,307 |
| Average equity | $9,317,000 | 4,492 |
| Average total loans | $58,304,670 | 4,208 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7594% | 4,328 |
| Cost of funding earning assets | 0.4453% | 3,240 |
| Net interest margin | 3.3141% | 4,151 |
| Noninterest income to average assets | 0.3455% | 3,833 |
| Noninterest expense to average assets | 1.9066% | 5,009 |
| Loan and lease loss provision to assets | 0.0394% | 2,966 |
| Net operating income to assets | 1.4912% | 1,103 |
| Return on assets (ROA) | 1.4912% | 1,109 |
| Pretax return on assets | 1.4912% | 1,701 |
| Return on Equity (ROE) | 14.7851% | 840 |
| Retained earnings to average equity (ytd only) | 9.1486% | 1,411 |
| Net charge-offs to loans | -0.0069% | 4,120 |
| Credit loss provision to net charge-offs | -900.0000% | 4,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4707% | 4,647 |
| Assets per employee ($millions) | 7.6527% | 721 |
| Cash dividends to net income (ytd only)* | 38.1232% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9120% | 4,391 |
| Loan loss allowance to noncurrent loans | 1,497.1429% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.2526% | 3,859 |
| Noncurrent loans to loans | 0.0609% | 4,705 |
| Net loans and leases to total assets | 61.9947% | 3,548 |
| Net loans and leases to deposits | 69.6813% | 3,814 |
| Net loans and leases to core deposits | 76.8113% | 3,596 |
| Total domestic deposits to total assets | 88.9690% | 1,105 |
| Equity capital to assets | 10.1609% | 3,437 |
| Core capital (leverage) ratio | 10.0517% | 3,470 |
| Tier 1 risk-based capital ratio | 18.0047% | 1,836 |
| Total risk-based capital ratio | 19.0570% | 1,837 |
| Memoranda: | ||
| Average total assets | $91,472,500 | 4,378 |
| Average earning assets | $85,332,500 | 4,357 |
| Average equity | $9,225,500 | 4,553 |
| Average total loans | $57,653,500 | 4,260 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7766% | 4,124 |
| Cost of funding earning assets | 0.3905% | 3,329 |
| Net interest margin | 3.3861% | 3,896 |
| Noninterest income to average assets | 0.2376% | 4,713 |
| Noninterest expense to average assets | 1.8816% | 5,138 |
| Loan and lease loss provision to assets | 0.0276% | 3,731 |
| Net operating income to assets | 1.5441% | 732 |
| Return on assets (ROA) | 1.5441% | 746 |
| Pretax return on assets | 1.5441% | 1,474 |
| Return on Equity (ROE) | 15.2591% | 576 |
| Retained earnings to average equity (ytd only) | 7.7714% | 836 |
| Net charge-offs to loans | 0.0404% | 2,978 |
| Credit loss provision to net charge-offs | 104.3478% | 2,461 |
| Earnings coverage of net charge-offs (x) | 59.5217% | 962 |
| Efficiency ratio | 54.4880% | 4,910 |
| Assets per employee ($millions) | 7.5928% | 740 |
| Cash dividends to net income (ytd only)* | 49.0706% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8885% | 4,533 |
| Loan loss allowance to noncurrent loans | 1,427.7778% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 3,624 |
| Noncurrent loans to loans | 0.0622% | 4,712 |
| Net loans and leases to total assets | 62.9306% | 3,495 |
| Net loans and leases to deposits | 70.5603% | 3,826 |
| Net loans and leases to core deposits | 77.8636% | 3,596 |
| Total domestic deposits to total assets | 89.1871% | 911 |
| Equity capital to assets | 10.0095% | 3,696 |
| Core capital (leverage) ratio | 9.8267% | 3,666 |
| Tier 1 risk-based capital ratio | 17.4820% | 1,947 |
| Total risk-based capital ratio | 18.5084% | 1,961 |
| Memoranda: | ||
| Average total assets | $87,108,200 | 4,475 |
| Average earning assets | $82,720,200 | 4,425 |
| Average equity | $8,814,400 | 4,644 |
| Average total loans | $56,869,800 | 4,269 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7586% | 4,146 |
| Cost of funding earning assets | 0.3799% | 3,374 |
| Net interest margin | 3.3787% | 3,921 |
| Noninterest income to average assets | 0.2338% | 4,814 |
| Noninterest expense to average assets | 1.8906% | 5,147 |
| Loan and lease loss provision to assets | 0.0279% | 3,573 |
| Net operating income to assets | 1.5376% | 823 |
| Return on assets (ROA) | 1.5376% | 851 |
| Pretax return on assets | 1.5376% | 1,634 |
| Return on Equity (ROE) | 15.1519% | 634 |
| Retained earnings to average equity (ytd only) | 9.4756% | 716 |
| Net charge-offs to loans | 0.0023% | 3,675 |
| Credit loss provision to net charge-offs | 1,800.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 1,013.5113% | 98 |
| Efficiency ratio | 54.7043% | 4,882 |
| Assets per employee ($millions) | 7.2809% | 835 |
| Cash dividends to net income (ytd only)* | 37.4623% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9196% | 4,467 |
| Loan loss allowance to noncurrent loans | 215.4472% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.3411% | 3,680 |
| Noncurrent loans to loans | 0.4268% | 3,421 |
| Net loans and leases to total assets | 65.3592% | 3,198 |
| Net loans and leases to deposits | 73.6373% | 3,612 |
| Net loans and leases to core deposits | 81.5006% | 3,326 |
| Total domestic deposits to total assets | 88.7583% | 990 |
| Equity capital to assets | 10.3661% | 3,520 |
| Core capital (leverage) ratio | 9.9033% | 3,690 |
| Tier 1 risk-based capital ratio | 17.5934% | 1,977 |
| Total risk-based capital ratio | 18.6661% | 1,986 |
| Memoranda: | ||
| Average total assets | $86,107,000 | 4,526 |
| Average earning assets | $82,121,500 | 4,474 |
| Average equity | $8,738,000 | 4,706 |
| Average total loans | $56,624,250 | 4,312 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6918% | 4,251 |
| Cost of funding earning assets | 0.3682% | 3,400 |
| Net interest margin | 3.3236% | 4,038 |
| Noninterest income to average assets | 0.2427% | 4,789 |
| Noninterest expense to average assets | 1.9256% | 5,139 |
| Loan and lease loss provision to assets | 0.0280% | 3,440 |
| Net operating income to assets | 1.4705% | 916 |
| Return on assets (ROA) | 1.4705% | 936 |
| Pretax return on assets | 1.4705% | 1,756 |
| Return on Equity (ROE) | 14.5974% | 721 |
| Retained earnings to average equity (ytd only) | 9.3840% | 735 |
| Net charge-offs to loans | -0.0782% | 5,334 |
| Credit loss provision to net charge-offs | -54.5455% | 4,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2372% | 4,803 |
| Assets per employee ($millions) | 7.8991% | 642 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 4,372 |
| Loan loss allowance to noncurrent loans | 225.1029% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.3395% | 3,759 |
| Noncurrent loans to loans | 0.4261% | 3,489 |
| Net loans and leases to total assets | 65.0098% | 3,250 |
| Net loans and leases to deposits | 73.0514% | 3,642 |
| Net loans and leases to core deposits | 80.4406% | 3,386 |
| Total domestic deposits to total assets | 88.9918% | 962 |
| Equity capital to assets | 10.1738% | 3,705 |
| Core capital (leverage) ratio | 9.9996% | 3,539 |
| Tier 1 risk-based capital ratio | 17.7375% | 1,941 |
| Total risk-based capital ratio | 18.8824% | 1,919 |
| Memoranda: | ||
| Average total assets | $85,685,670 | 4,564 |
| Average earning assets | $82,019,670 | 4,504 |
| Average equity | $8,631,670 | 4,749 |
| Average total loans | $56,287,330 | 4,349 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7207% | 4,050 |
| Cost of funding earning assets | 0.3686% | 3,328 |
| Net interest margin | 3.3521% | 3,836 |
| Noninterest income to average assets | 0.2633% | 4,657 |
| Noninterest expense to average assets | 1.9698% | 5,114 |
| Loan and lease loss provision to assets | 0.0282% | 3,205 |
| Net operating income to assets | 1.4715% | 860 |
| Return on assets (ROA) | 1.4715% | 885 |
| Pretax return on assets | 1.4715% | 1,632 |
| Return on Equity (ROE) | 14.6819% | 692 |
| Retained earnings to average equity (ytd only) | 8.5840% | 1,238 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7751% | 4,859 |
| Assets per employee ($millions) | 7.0628% | 924 |
| Cash dividends to net income (ytd only)* | 41.5335% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9277% | 4,652 |
| Loan loss allowance to noncurrent loans | 138.4000% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.5038% | 3,204 |
| Noncurrent loans to loans | 0.6703% | 2,836 |
| Net loans and leases to total assets | 65.3936% | 3,064 |
| Net loans and leases to deposits | 73.4712% | 3,455 |
| Net loans and leases to core deposits | 80.9485% | 3,203 |
| Total domestic deposits to total assets | 89.0057% | 1,138 |
| Equity capital to assets | 10.1696% | 3,544 |
| Core capital (leverage) ratio | 9.7966% | 3,761 |
| Tier 1 risk-based capital ratio | 17.2005% | 2,120 |
| Total risk-based capital ratio | 18.2820% | 2,126 |
| Memoranda: | ||
| Average total assets | $85,083,500 | 4,622 |
| Average earning assets | $81,382,000 | 4,561 |
| Average equity | $8,527,500 | 4,806 |
| Average total loans | $55,914,000 | 4,399 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7933% | 3,933 |
| Cost of funding earning assets | 0.3618% | 3,394 |
| Net interest margin | 3.4314% | 3,706 |
| Noninterest income to average assets | 0.2800% | 4,734 |
| Noninterest expense to average assets | 2.0697% | 5,053 |
| Loan and lease loss provision to assets | 0.0293% | 3,769 |
| Net operating income to assets | 1.4389% | 940 |
| Return on assets (ROA) | 1.4389% | 964 |
| Pretax return on assets | 1.4389% | 1,785 |
| Return on Equity (ROE) | 14.4014% | 714 |
| Retained earnings to average equity (ytd only) | 6.8275% | 1,297 |
| Net charge-offs to loans | 0.2600% | 1,067 |
| Credit loss provision to net charge-offs | 17.1429% | 3,696 |
| Earnings coverage of net charge-offs (x) | 8.5786% | 2,857 |
| Efficiency ratio | 58.5003% | 4,792 |
| Assets per employee ($millions) | 7.7649% | 664 |
| Cash dividends to net income (ytd only)* | 52.5913% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9179% | 4,708 |
| Loan loss allowance to noncurrent loans | 353.7931% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.2306% | 4,384 |
| Noncurrent loans to loans | 0.2595% | 4,222 |
| Net loans and leases to total assets | 64.8290% | 3,241 |
| Net loans and leases to deposits | 72.5965% | 3,650 |
| Net loans and leases to core deposits | 78.8217% | 3,496 |
| Total domestic deposits to total assets | 89.3003% | 955 |
| Equity capital to assets | 9.8766% | 3,847 |
| Core capital (leverage) ratio | 9.5626% | 4,011 |
| Tier 1 risk-based capital ratio | 16.5237% | 2,343 |
| Total risk-based capital ratio | 17.5740% | 2,354 |
| Memoranda: | ||
| Average total assets | $81,800,200 | 4,699 |
| Average earning assets | $77,664,000 | 4,635 |
| Average equity | $8,172,800 | 4,901 |
| Average total loans | $53,845,600 | 4,463 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7150% | 4,204 |
| Cost of funding earning assets | 0.3600% | 3,432 |
| Net interest margin | 3.3550% | 4,017 |
| Noninterest income to average assets | 0.2703% | 4,841 |
| Noninterest expense to average assets | 2.0800% | 5,040 |
| Loan and lease loss provision to assets | 0.0297% | 3,647 |
| Net operating income to assets | 1.3399% | 1,189 |
| Return on assets (ROA) | 1.3399% | 1,264 |
| Pretax return on assets | 1.3399% | 2,272 |
| Return on Equity (ROE) | 13.3708% | 955 |
| Retained earnings to average equity (ytd only) | 8.2067% | 1,084 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2962% | 4,498 |
| Assets per employee ($millions) | 7.5301% | 711 |
| Cash dividends to net income (ytd only)* | 38.6228% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 3,388 |
| Loan loss allowance to noncurrent loans | 92.5608% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 0.9067% | 2,288 |
| Noncurrent loans to loans | 1.2718% | 1,761 |
| Net loans and leases to total assets | 65.5721% | 3,194 |
| Net loans and leases to deposits | 73.6641% | 3,628 |
| Net loans and leases to core deposits | 79.8547% | 3,460 |
| Total domestic deposits to total assets | 89.0150% | 898 |
| Equity capital to assets | 10.1122% | 4,028 |
| Core capital (leverage) ratio | 9.7871% | 3,827 |
| Tier 1 risk-based capital ratio | 16.6712% | 2,346 |
| Total risk-based capital ratio | 17.9219% | 2,297 |
| Memoranda: | ||
| Average total assets | $80,896,750 | 4,756 |
| Average earning assets | $76,660,500 | 4,697 |
| Average equity | $8,107,000 | 4,966 |
| Average total loans | $53,335,500 | 4,515 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6892% | 4,330 |
| Cost of funding earning assets | 0.3555% | 3,505 |
| Net interest margin | 3.3337% | 4,104 |
| Noninterest income to average assets | 0.2392% | 5,052 |
| Noninterest expense to average assets | 2.1208% | 5,012 |
| Loan and lease loss provision to assets | 0.0299% | 3,534 |
| Net operating income to assets | 1.2436% | 1,450 |
| Return on assets (ROA) | 1.2436% | 1,559 |
| Pretax return on assets | 1.2436% | 2,626 |
| Return on Equity (ROE) | 12.4480% | 1,172 |
| Retained earnings to average equity (ytd only) | 7.9578% | 1,181 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4816% | 4,268 |
| Assets per employee ($millions) | 7.3632% | 742 |
| Cash dividends to net income (ytd only)* | 36.0721% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 3,414 |
| Loan loss allowance to noncurrent loans | 89.6503% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 0.9470% | 2,258 |
| Noncurrent loans to loans | 1.3291% | 1,694 |
| Net loans and leases to total assets | 65.6287% | 3,132 |
| Net loans and leases to deposits | 73.7100% | 3,629 |
| Net loans and leases to core deposits | 79.7025% | 3,491 |
| Total domestic deposits to total assets | 89.0364% | 900 |
| Equity capital to assets | 10.1191% | 4,071 |
| Core capital (leverage) ratio | 9.7437% | 3,879 |
| Tier 1 risk-based capital ratio | 16.5221% | 2,416 |
| Total risk-based capital ratio | 17.7733% | 2,363 |
| Memoranda: | ||
| Average total assets | $80,252,000 | 4,812 |
| Average earning assets | $75,952,330 | 4,756 |
| Average equity | $8,017,330 | 5,019 |
| Average total loans | $52,793,670 | 4,563 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5672% | 4,719 |
| Cost of funding earning assets | 0.3546% | 3,556 |
| Net interest margin | 3.2126% | 4,545 |
| Noninterest income to average assets | 0.0901% | 5,851 |
| Noninterest expense to average assets | 2.1432% | 5,026 |
| Loan and lease loss provision to assets | 0.0300% | 3,261 |
| Net operating income to assets | 0.9564% | 2,481 |
| Return on assets (ROA) | 0.9564% | 2,602 |
| Pretax return on assets | 0.9564% | 3,639 |
| Return on Equity (ROE) | 9.6367% | 2,138 |
| Retained earnings to average equity (ytd only) | 5.0959% | 2,874 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4800% | 3,378 |
| Assets per employee ($millions) | 7.4461% | 723 |
| Cash dividends to net income (ytd only)* | 47.1204% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 3,470 |
| Loan loss allowance to noncurrent loans | 90.1989% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 1.0903% | 2,030 |
| Noncurrent loans to loans | 1.3317% | 1,792 |
| Net loans and leases to total assets | 63.7662% | 3,272 |
| Net loans and leases to deposits | 71.2625% | 3,719 |
| Net loans and leases to core deposits | 76.8480% | 3,597 |
| Total domestic deposits to total assets | 89.4808% | 851 |
| Equity capital to assets | 9.7415% | 4,407 |
| Core capital (leverage) ratio | 9.5862% | 4,050 |
| Tier 1 risk-based capital ratio | 16.3282% | 2,549 |
| Total risk-based capital ratio | 17.5784% | 2,501 |
| Memoranda: | ||
| Average total assets | $79,880,500 | 4,861 |
| Average earning assets | $75,578,000 | 4,812 |
| Average equity | $7,928,000 | 5,063 |
| Average total loans | $52,292,000 | 4,608 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7487% | 4,197 |
| Cost of funding earning assets | 0.3534% | 3,669 |
| Net interest margin | 3.3952% | 3,936 |
| Noninterest income to average assets | 0.3459% | 4,440 |
| Noninterest expense to average assets | 2.2014% | 5,042 |
| Loan and lease loss provision to assets | 0.0158% | 4,095 |
| Net operating income to assets | 1.3374% | 1,185 |
| Return on assets (ROA) | 1.3374% | 1,224 |
| Pretax return on assets | 1.3374% | 2,142 |
| Return on Equity (ROE) | 13.2491% | 1,005 |
| Retained earnings to average equity (ytd only) | 6.0839% | 1,747 |
| Net charge-offs to loans | 0.0594% | 3,032 |
| Credit loss provision to net charge-offs | 41.3793% | 3,513 |
| Earnings coverage of net charge-offs (x) | 35.4828% | 1,287 |
| Efficiency ratio | 61.9312% | 4,616 |
| Assets per employee ($millions) | 7.0776% | 866 |
| Cash dividends to net income (ytd only)* | 54.0806% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2162% | 3,378 |
| Loan loss allowance to noncurrent loans | 395.5975% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.6885% | 2,983 |
| Noncurrent loans to loans | 0.3074% | 4,356 |
| Net loans and leases to total assets | 65.6241% | 3,037 |
| Net loans and leases to deposits | 73.6967% | 3,532 |
| Net loans and leases to core deposits | 79.6666% | 3,384 |
| Total domestic deposits to total assets | 89.0462% | 1,099 |
| Equity capital to assets | 10.1177% | 3,843 |
| Core capital (leverage) ratio | 9.7402% | 3,846 |
| Tier 1 risk-based capital ratio | 16.4856% | 2,491 |
| Total risk-based capital ratio | 17.7365% | 2,448 |
| Memoranda: | ||
| Average total assets | $76,041,200 | 4,945 |
| Average earning assets | $71,865,600 | 4,898 |
| Average equity | $7,676,000 | 5,119 |
| Average total loans | $48,810,600 | 4,709 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6516% | 4,571 |
| Cost of funding earning assets | 0.3506% | 3,748 |
| Net interest margin | 3.3010% | 4,335 |
| Noninterest income to average assets | 0.3792% | 4,220 |
| Noninterest expense to average assets | 2.1978% | 5,058 |
| Loan and lease loss provision to assets | 0.0159% | 3,954 |
| Net operating income to assets | 1.2877% | 1,374 |
| Return on assets (ROA) | 1.2877% | 1,429 |
| Pretax return on assets | 1.2877% | 2,440 |
| Return on Equity (ROE) | 12.7635% | 1,181 |
| Retained earnings to average equity (ytd only) | 7.6930% | 1,377 |
| Net charge-offs to loans | 0.0666% | 2,618 |
| Credit loss provision to net charge-offs | 37.5000% | 3,195 |
| Earnings coverage of net charge-offs (x) | 30.7909% | 1,467 |
| Efficiency ratio | 62.7708% | 4,446 |
| Assets per employee ($millions) | 6.8734% | 920 |
| Cash dividends to net income (ytd only)* | 39.7263% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 3,241 |
| Loan loss allowance to noncurrent loans | 68.2900% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 1.8305% | 1,159 |
| Noncurrent loans to loans | 1.8647% | 1,247 |
| Net loans and leases to total assets | 64.7030% | 3,200 |
| Net loans and leases to deposits | 73.7358% | 3,570 |
| Net loans and leases to core deposits | 80.5732% | 3,383 |
| Total domestic deposits to total assets | 87.7498% | 1,683 |
| Equity capital to assets | 10.3840% | 3,726 |
| Core capital (leverage) ratio | 9.8529% | 3,831 |
| Tier 1 risk-based capital ratio | 17.7431% | 2,104 |
| Total risk-based capital ratio | 18.9946% | 2,070 |
| Memoranda: | ||
| Average total assets | $75,588,000 | 5,010 |
| Average earning assets | $71,491,000 | 4,962 |
| Average equity | $7,625,750 | 5,191 |
| Average total loans | $48,083,250 | 4,782 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6397% | 4,607 |
| Cost of funding earning assets | 0.3466% | 3,852 |
| Net interest margin | 3.2930% | 4,332 |
| Noninterest income to average assets | 0.3784% | 4,243 |
| Noninterest expense to average assets | 2.2069% | 5,099 |
| Loan and lease loss provision to assets | 0.0159% | 3,808 |
| Net operating income to assets | 1.2728% | 1,396 |
| Return on assets (ROA) | 1.2728% | 1,458 |
| Pretax return on assets | 1.2728% | 2,460 |
| Return on Equity (ROE) | 12.7406% | 1,171 |
| Retained earnings to average equity (ytd only) | 7.9463% | 1,290 |
| Net charge-offs to loans | 0.1009% | 1,998 |
| Credit loss provision to net charge-offs | 25.0000% | 2,973 |
| Earnings coverage of net charge-offs (x) | 20.2917% | 1,713 |
| Efficiency ratio | 63.1340% | 4,493 |
| Assets per employee ($millions) | 6.9095% | 863 |
| Cash dividends to net income (ytd only)* | 37.6299% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3014% | 3,234 |
| Loan loss allowance to noncurrent loans | 560.7143% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.7776% | 3,059 |
| Noncurrent loans to loans | 0.2321% | 4,842 |
| Net loans and leases to total assets | 62.6630% | 3,456 |
| Net loans and leases to deposits | 70.5387% | 3,867 |
| Net loans and leases to core deposits | 76.7064% | 3,698 |
| Total domestic deposits to total assets | 88.8349% | 1,230 |
| Equity capital to assets | 10.1454% | 3,874 |
| Core capital (leverage) ratio | 9.6919% | 4,012 |
| Tier 1 risk-based capital ratio | 16.3663% | 2,674 |
| Total risk-based capital ratio | 17.6161% | 2,632 |
| Memoranda: | ||
| Average total assets | $75,581,670 | 5,061 |
| Average earning assets | $71,545,000 | 5,008 |
| Average equity | $7,550,670 | 5,252 |
| Average total loans | $47,594,000 | 4,831 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5723% | 4,772 |
| Cost of funding earning assets | 0.3461% | 3,908 |
| Net interest margin | 3.2262% | 4,497 |
| Noninterest income to average assets | 0.3980% | 4,020 |
| Noninterest expense to average assets | 2.2555% | 4,984 |
| Loan and lease loss provision to assets | 0.0159% | 3,519 |
| Net operating income to assets | 1.1941% | 1,567 |
| Return on assets (ROA) | 1.1941% | 1,664 |
| Pretax return on assets | 1.1941% | 2,693 |
| Return on Equity (ROE) | 12.0474% | 1,335 |
| Retained earnings to average equity (ytd only) | 6.3717% | 2,299 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0842% | 4,303 |
| Assets per employee ($millions) | 6.9445% | 876 |
| Cash dividends to net income (ytd only)* | 47.1111% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3769% | 3,035 |
| Loan loss allowance to noncurrent loans | 172.6064% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.6637% | 3,496 |
| Noncurrent loans to loans | 0.7977% | 3,248 |
| Net loans and leases to total assets | 60.8556% | 3,546 |
| Net loans and leases to deposits | 68.0939% | 3,946 |
| Net loans and leases to core deposits | 73.2898% | 3,845 |
| Total domestic deposits to total assets | 89.3702% | 1,062 |
| Equity capital to assets | 9.8574% | 4,314 |
| Core capital (leverage) ratio | 9.6532% | 4,071 |
| Tier 1 risk-based capital ratio | 16.3086% | 2,777 |
| Total risk-based capital ratio | 17.5604% | 2,715 |
| Memoranda: | ||
| Average total assets | $75,370,000 | 5,125 |
| Average earning assets | $71,663,500 | 5,057 |
| Average equity | $7,470,500 | 5,310 |
| Average total loans | $47,263,500 | 4,876 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8900% | 4,156 |
| Cost of funding earning assets | 0.3889% | 3,805 |
| Net interest margin | 3.5012% | 3,786 |
| Noninterest income to average assets | 0.3017% | 4,956 |
| Noninterest expense to average assets | 2.2302% | 5,282 |
| Loan and lease loss provision to assets | 0.0056% | 4,506 |
| Net operating income to assets | 1.3533% | 1,182 |
| Return on assets (ROA) | 1.3533% | 1,235 |
| Pretax return on assets | 1.3533% | 2,066 |
| Return on Equity (ROE) | 13.2710% | 1,083 |
| Retained earnings to average equity (ytd only) | 5.9443% | 1,962 |
| Net charge-offs to loans | 0.0065% | 4,796 |
| Credit loss provision to net charge-offs | 133.3333% | 1,779 |
| Earnings coverage of net charge-offs (x) | 321.3333% | 172 |
| Efficiency ratio | 62.1367% | 4,893 |
| Assets per employee ($millions) | 6.1959% | 1,251 |
| Cash dividends to net income (ytd only)* | 55.2083% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 3,121 |
| Loan loss allowance to noncurrent loans | 598.1481% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.6873% | 3,514 |
| Noncurrent loans to loans | 0.2279% | 5,006 |
| Net loans and leases to total assets | 62.8707% | 3,385 |
| Net loans and leases to deposits | 70.4776% | 3,844 |
| Net loans and leases to core deposits | 75.6575% | 3,750 |
| Total domestic deposits to total assets | 89.2066% | 1,118 |
| Equity capital to assets | 9.9676% | 4,153 |
| Core capital (leverage) ratio | 9.5113% | 4,224 |
| Tier 1 risk-based capital ratio | 16.1669% | 2,878 |
| Total risk-based capital ratio | 17.4196% | 2,820 |
| Memoranda: | ||
| Average total assets | $70,936,800 | 5,262 |
| Average earning assets | $66,606,400 | 5,212 |
| Average equity | $7,233,800 | 5,370 |
| Average total loans | $46,357,400 | 4,938 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9280% | 4,061 |
| Cost of funding earning assets | 0.3924% | 3,872 |
| Net interest margin | 3.5356% | 3,695 |
| Noninterest income to average assets | 0.3462% | 4,670 |
| Noninterest expense to average assets | 2.2411% | 5,251 |
| Loan and lease loss provision to assets | 0.0076% | 4,266 |
| Net operating income to assets | 1.4059% | 1,117 |
| Return on assets (ROA) | 1.4059% | 1,163 |
| Pretax return on assets | 1.4059% | 1,984 |
| Return on Equity (ROE) | 13.7048% | 1,048 |
| Retained earnings to average equity (ytd only) | 8.0485% | 1,338 |
| Net charge-offs to loans | 0.0029% | 4,605 |
| Credit loss provision to net charge-offs | 400.0000% | 693 |
| Earnings coverage of net charge-offs (x) | 744.8421% | 98 |
| Efficiency ratio | 61.3222% | 4,985 |
| Assets per employee ($millions) | 6.6096% | 963 |
| Cash dividends to net income (ytd only)* | 41.2723% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3910% | 3,223 |
| Loan loss allowance to noncurrent loans | 270.0000% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.9298% | 3,113 |
| Noncurrent loans to loans | 0.5152% | 4,390 |
| Net loans and leases to total assets | 63.1819% | 3,321 |
| Net loans and leases to deposits | 70.9978% | 3,800 |
| Net loans and leases to core deposits | 76.7279% | 3,665 |
| Total domestic deposits to total assets | 88.9913% | 1,240 |
| Equity capital to assets | 10.1986% | 3,935 |
| Core capital (leverage) ratio | 9.9353% | 3,764 |
| Tier 1 risk-based capital ratio | 16.4171% | 2,847 |
| Total risk-based capital ratio | 17.6699% | 2,797 |
| Memoranda: | ||
| Average total assets | $70,083,250 | 5,342 |
| Average earning assets | $65,579,000 | 5,294 |
| Average equity | $7,189,500 | 5,426 |
| Average total loans | $46,099,000 | 4,996 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9551% | 3,913 |
| Cost of funding earning assets | 0.3986% | 3,883 |
| Net interest margin | 3.5565% | 3,546 |
| Noninterest income to average assets | 0.3294% | 4,781 |
| Noninterest expense to average assets | 2.2743% | 5,219 |
| Loan and lease loss provision to assets | 0.0116% | 4,017 |
| Net operating income to assets | 1.3698% | 1,137 |
| Return on assets (ROA) | 1.3698% | 1,175 |
| Pretax return on assets | 1.3698% | 2,003 |
| Return on Equity (ROE) | 13.3252% | 1,088 |
| Retained earnings to average equity (ytd only) | 8.0963% | 1,293 |
| Net charge-offs to loans | 0.0044% | 4,232 |
| Credit loss provision to net charge-offs | 400.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 478.0000% | 149 |
| Efficiency ratio | 62.2134% | 4,977 |
| Assets per employee ($millions) | 6.2632% | 1,130 |
| Cash dividends to net income (ytd only)* | 39.2405% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3921% | 3,397 |
| Loan loss allowance to noncurrent loans | 316.0976% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.9304% | 3,218 |
| Noncurrent loans to loans | 0.4404% | 4,664 |
| Net loans and leases to total assets | 66.6260% | 2,650 |
| Net loans and leases to deposits | 75.1888% | 3,165 |
| Net loans and leases to core deposits | 80.6019% | 3,145 |
| Total domestic deposits to total assets | 88.6117% | 1,577 |
| Equity capital to assets | 10.5508% | 3,379 |
| Core capital (leverage) ratio | 10.0611% | 3,521 |
| Tier 1 risk-based capital ratio | 16.4797% | 2,836 |
| Total risk-based capital ratio | 17.7328% | 2,801 |
| Memoranda: | ||
| Average total assets | $69,209,000 | 5,415 |
| Average earning assets | $64,726,670 | 5,365 |
| Average equity | $7,114,330 | 5,464 |
| Average total loans | $45,937,000 | 5,033 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9109% | 4,035 |
| Cost of funding earning assets | 0.3997% | 3,972 |
| Net interest margin | 3.5112% | 3,640 |
| Noninterest income to average assets | 0.2710% | 5,201 |
| Noninterest expense to average assets | 2.2893% | 5,219 |
| Loan and lease loss provision to assets | 0.0231% | 3,530 |
| Net operating income to assets | 1.2513% | 1,343 |
| Return on assets (ROA) | 1.2513% | 1,401 |
| Pretax return on assets | 1.2513% | 2,280 |
| Return on Equity (ROE) | 12.3348% | 1,332 |
| Retained earnings to average equity (ytd only) | 6.3663% | 2,347 |
| Net charge-offs to loans | 0.0088% | 3,450 |
| Credit loss provision to net charge-offs | 400.0000% | 650 |
| Earnings coverage of net charge-offs (x) | 221.0000% | 224 |
| Efficiency ratio | 64.2395% | 4,822 |
| Assets per employee ($millions) | 6.3209% | 1,104 |
| Cash dividends to net income (ytd only)* | 48.3871% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4083% | 3,560 |
| Loan loss allowance to noncurrent loans | 228.9753% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 1.0053% | 3,252 |
| Noncurrent loans to loans | 0.6151% | 4,322 |
| Net loans and leases to total assets | 65.2438% | 2,686 |
| Net loans and leases to deposits | 73.3156% | 3,151 |
| Net loans and leases to core deposits | 79.3854% | 3,046 |
| Total domestic deposits to total assets | 88.9904% | 1,668 |
| Equity capital to assets | 10.2014% | 3,596 |
| Core capital (leverage) ratio | 9.8641% | 3,772 |
| Tier 1 risk-based capital ratio | 16.3345% | 2,985 |
| Total risk-based capital ratio | 17.5872% | 2,949 |
| Memoranda: | ||
| Average total assets | $69,366,000 | 5,464 |
| Average earning assets | $65,048,500 | 5,407 |
| Average equity | $7,037,000 | 5,505 |
| Average total loans | $45,630,500 | 5,087 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1036% | 3,727 |
| Cost of funding earning assets | 0.4438% | 4,177 |
| Net interest margin | 3.6598% | 3,219 |
| Noninterest income to average assets | 0.2976% | 5,223 |
| Noninterest expense to average assets | 2.4773% | 4,839 |
| Loan and lease loss provision to assets | 0.0131% | 4,859 |
| Net operating income to assets | 1.2124% | 1,518 |
| Return on assets (ROA) | 1.2124% | 1,589 |
| Pretax return on assets | 1.2124% | 2,530 |
| Return on Equity (ROE) | 12.1566% | 1,372 |
| Retained earnings to average equity (ytd only) | 5.2956% | 2,419 |
| Net charge-offs to loans | 0.0308% | 4,816 |
| Credit loss provision to net charge-offs | 64.2857% | 3,445 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 687 |
| Efficiency ratio | 66.9031% | 4,387 |
| Assets per employee ($millions) | 6.2911% | 1,090 |
| Cash dividends to net income (ytd only)* | 56.4380% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3923% | 3,695 |
| Loan loss allowance to noncurrent loans | 220.2797% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 1.0144% | 3,395 |
| Noncurrent loans to loans | 0.6321% | 4,399 |
| Net loans and leases to total assets | 64.4765% | 2,958 |
| Net loans and leases to deposits | 72.4064% | 3,471 |
| Net loans and leases to core deposits | 77.1141% | 3,475 |
| Total domestic deposits to total assets | 89.0480% | 1,588 |
| Equity capital to assets | 10.0879% | 3,648 |
| Core capital (leverage) ratio | 9.5373% | 4,206 |
| Tier 1 risk-based capital ratio | 16.3807% | 2,911 |
| Total risk-based capital ratio | 17.6335% | 2,868 |
| Memoranda: | ||
| Average total assets | $68,542,000 | 5,524 |
| Average earning assets | $63,774,000 | 5,476 |
| Average equity | $6,835,800 | 5,611 |
| Average total loans | $45,413,800 | 5,133 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1499% | 3,566 |
| Cost of funding earning assets | 0.4515% | 4,257 |
| Net interest margin | 3.6983% | 3,039 |
| Noninterest income to average assets | 0.2184% | 5,869 |
| Noninterest expense to average assets | 2.4511% | 4,873 |
| Loan and lease loss provision to assets | 0.0175% | 4,661 |
| Net operating income to assets | 1.1836% | 1,687 |
| Return on assets (ROA) | 1.1836% | 1,757 |
| Pretax return on assets | 1.1836% | 2,769 |
| Return on Equity (ROE) | 11.9025% | 1,500 |
| Retained earnings to average equity (ytd only) | 6.0396% | 2,387 |
| Net charge-offs to loans | -0.0029% | 5,719 |
| Credit loss provision to net charge-offs | -900.0000% | 6,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1116% | 4,281 |
| Assets per employee ($millions) | 5.4048% | 1,728 |
| Cash dividends to net income (ytd only)* | 49.2592% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4405% | 3,733 |
| Loan loss allowance to noncurrent loans | 484.9624% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.9365% | 3,797 |
| Noncurrent loans to loans | 0.2970% | 5,488 |
| Net loans and leases to total assets | 62.8078% | 3,200 |
| Net loans and leases to deposits | 70.3390% | 3,740 |
| Net loans and leases to core deposits | 75.6921% | 3,648 |
| Total domestic deposits to total assets | 89.2929% | 1,413 |
| Equity capital to assets | 9.8588% | 4,098 |
| Core capital (leverage) ratio | 9.4583% | 4,461 |
| Tier 1 risk-based capital ratio | 16.5887% | 2,902 |
| Total risk-based capital ratio | 17.8426% | 2,862 |
| Memoranda: | ||
| Average total assets | $68,377,000 | 5,582 |
| Average earning assets | $63,486,500 | 5,546 |
| Average equity | $6,799,500 | 5,693 |
| Average total loans | $45,455,000 | 5,189 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2235% | 3,269 |
| Cost of funding earning assets | 0.4629% | 4,279 |
| Net interest margin | 3.7606% | 2,720 |
| Noninterest income to average assets | 0.3956% | 4,559 |
| Noninterest expense to average assets | 2.4502% | 4,900 |
| Loan and lease loss provision to assets | 0.0266% | 4,388 |
| Net operating income to assets | 1.4200% | 1,037 |
| Return on assets (ROA) | 1.4200% | 1,124 |
| Pretax return on assets | 1.4200% | 1,861 |
| Return on Equity (ROE) | 14.2371% | 957 |
| Retained earnings to average equity (ytd only) | 8.6429% | 1,246 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8788% | 5,036 |
| Assets per employee ($millions) | 5.3034% | 1,785 |
| Cash dividends to net income (ytd only)* | 39.2931% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4178% | 3,954 |
| Loan loss allowance to noncurrent loans | 707.6923% | 635 |
| Noncurrent assets plus other real estate owned to assets | 1.0820% | 3,572 |
| Noncurrent loans to loans | 0.2003% | 5,811 |
| Net loans and leases to total assets | 64.9484% | 2,761 |
| Net loans and leases to deposits | 72.8488% | 3,330 |
| Net loans and leases to core deposits | 78.0444% | 3,281 |
| Total domestic deposits to total assets | 89.1550% | 1,537 |
| Equity capital to assets | 10.0241% | 3,884 |
| Core capital (leverage) ratio | 9.6208% | 4,047 |
| Tier 1 risk-based capital ratio | 16.7597% | 2,810 |
| Total risk-based capital ratio | 18.0142% | 2,782 |
| Memoranda: | ||
| Average total assets | $67,748,670 | 5,644 |
| Average earning assets | $63,075,000 | 5,593 |
| Average equity | $6,757,000 | 5,744 |
| Average total loans | $45,681,670 | 5,202 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2961% | 2,908 |
| Cost of funding earning assets | 0.4731% | 4,343 |
| Net interest margin | 3.8230% | 2,367 |
| Noninterest income to average assets | 0.4110% | 4,379 |
| Noninterest expense to average assets | 2.5137% | 4,705 |
| Loan and lease loss provision to assets | 0.0536% | 3,729 |
| Net operating income to assets | 1.4058% | 1,011 |
| Return on assets (ROA) | 1.4058% | 1,099 |
| Pretax return on assets | 1.4058% | 1,830 |
| Return on Equity (ROE) | 14.1317% | 940 |
| Retained earnings to average equity (ytd only) | 7.3054% | 2,027 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2684% | 5,123 |
| Assets per employee ($millions) | 5.1731% | 2,009 |
| Cash dividends to net income (ytd only)* | 48.3051% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4023% | 4,217 |
| Loan loss allowance to noncurrent loans | 456.7376% | 928 |
| Noncurrent assets plus other real estate owned to assets | 1.1911% | 3,585 |
| Noncurrent loans to loans | 0.3070% | 5,634 |
| Net loans and leases to total assets | 67.3323% | 2,132 |
| Net loans and leases to deposits | 75.4960% | 2,709 |
| Net loans and leases to core deposits | 80.9963% | 2,698 |
| Total domestic deposits to total assets | 89.1866% | 1,568 |
| Equity capital to assets | 10.0238% | 4,122 |
| Core capital (leverage) ratio | 9.7205% | 3,768 |
| Tier 1 risk-based capital ratio | 16.2907% | 3,111 |
| Total risk-based capital ratio | 17.5452% | 3,063 |
| Memoranda: | ||
| Average total assets | $67,151,000 | 5,704 |
| Average earning assets | $62,569,000 | 5,660 |
| Average equity | $6,680,000 | 5,821 |
| Average total loans | $45,811,500 | 5,220 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4573% | 3,580 |
| Cost of funding earning assets | 0.5906% | 4,434 |
| Net interest margin | 3.8667% | 2,962 |
| Noninterest income to average assets | 0.4416% | 4,307 |
| Noninterest expense to average assets | 2.4534% | 5,243 |
| Loan and lease loss provision to assets | 0.0368% | 5,424 |
| Net operating income to assets | 1.5456% | 840 |
| Return on assets (ROA) | 1.5456% | 920 |
| Pretax return on assets | 1.5456% | 1,537 |
| Return on Equity (ROE) | 15.7451% | 696 |
| Retained earnings to average equity (ytd only) | 7.4977% | 1,341 |
| Net charge-offs to loans | 0.0942% | 4,730 |
| Credit loss provision to net charge-offs | 58.5366% | 4,487 |
| Earnings coverage of net charge-offs (x) | 25.1707% | 1,146 |
| Efficiency ratio | 60.7903% | 5,416 |
| Assets per employee ($millions) | 5.1578% | 2,037 |
| Cash dividends to net income (ytd only)* | 52.3810% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3896% | 4,216 |
| Loan loss allowance to noncurrent loans | 143.9909% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 1.0589% | 3,911 |
| Noncurrent loans to loans | 0.9650% | 4,267 |
| Net loans and leases to total assets | 67.2060% | 2,335 |
| Net loans and leases to deposits | 75.2455% | 2,914 |
| Net loans and leases to core deposits | 79.8876% | 3,023 |
| Total domestic deposits to total assets | 89.3158% | 1,360 |
| Equity capital to assets | 9.8714% | 4,349 |
| Core capital (leverage) ratio | 9.4947% | 4,111 |
| Tier 1 risk-based capital ratio | 16.0511% | 3,135 |
| Total risk-based capital ratio | 17.3241% | 3,075 |
| Memoranda: | ||
| Average total assets | $65,216,200 | 5,776 |
| Average earning assets | $60,619,800 | 5,721 |
| Average equity | $6,402,000 | 5,916 |
| Average total loans | $43,537,400 | 5,352 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4484% | 3,836 |
| Cost of funding earning assets | 0.6162% | 4,489 |
| Net interest margin | 3.8322% | 3,193 |
| Noninterest income to average assets | 0.4488% | 4,302 |
| Noninterest expense to average assets | 2.4645% | 5,198 |
| Loan and lease loss provision to assets | 0.0494% | 5,146 |
| Net operating income to assets | 1.4948% | 1,028 |
| Return on assets (ROA) | 1.4948% | 1,145 |
| Pretax return on assets | 1.4948% | 1,903 |
| Return on Equity (ROE) | 15.2492% | 857 |
| Retained earnings to average equity (ytd only) | 9.0109% | 1,227 |
| Net charge-offs to loans | 0.0155% | 5,468 |
| Credit loss provision to net charge-offs | 480.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 149.9220% | 291 |
| Efficiency ratio | 61.4792% | 5,233 |
| Assets per employee ($millions) | 5.0559% | 2,113 |
| Cash dividends to net income (ytd only)* | 40.9089% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5125% | 3,898 |
| Loan loss allowance to noncurrent loans | 81.5310% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 1.8151% | 2,894 |
| Noncurrent loans to loans | 1.8551% | 3,008 |
| Net loans and leases to total assets | 66.4750% | 2,566 |
| Net loans and leases to deposits | 74.5737% | 3,209 |
| Net loans and leases to core deposits | 80.4226% | 3,148 |
| Total domestic deposits to total assets | 89.1399% | 1,347 |
| Equity capital to assets | 9.9928% | 4,502 |
| Core capital (leverage) ratio | 9.4698% | 4,314 |
| Tier 1 risk-based capital ratio | 16.5347% | 2,978 |
| Total risk-based capital ratio | 17.7902% | 2,950 |
| Memoranda: | ||
| Average total assets | $64,757,250 | 5,855 |
| Average earning assets | $60,154,750 | 5,801 |
| Average equity | $6,347,750 | 5,999 |
| Average total loans | $42,997,250 | 5,444 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4735% | 3,881 |
| Cost of funding earning assets | 0.6429% | 4,504 |
| Net interest margin | 3.8306% | 3,217 |
| Noninterest income to average assets | 0.4501% | 4,287 |
| Noninterest expense to average assets | 2.4770% | 5,219 |
| Loan and lease loss provision to assets | 0.0745% | 4,694 |
| Net operating income to assets | 1.4495% | 1,085 |
| Return on assets (ROA) | 1.4495% | 1,217 |
| Pretax return on assets | 1.4495% | 2,011 |
| Return on Equity (ROE) | 14.8861% | 954 |
| Retained earnings to average equity (ytd only) | 9.0209% | 1,267 |
| Net charge-offs to loans | 0.0235% | 5,066 |
| Credit loss provision to net charge-offs | 480.0000% | 626 |
| Earnings coverage of net charge-offs (x) | 98.2000% | 437 |
| Efficiency ratio | 61.9085% | 5,266 |
| Assets per employee ($millions) | 5.0581% | 2,092 |
| Cash dividends to net income (ytd only)* | 39.4004% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5597% | 3,746 |
| Loan loss allowance to noncurrent loans | 104.3546% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 1.5406% | 3,390 |
| Noncurrent loans to loans | 1.4947% | 3,665 |
| Net loans and leases to total assets | 64.4042% | 2,952 |
| Net loans and leases to deposits | 72.0527% | 3,599 |
| Net loans and leases to core deposits | 77.1455% | 3,635 |
| Total domestic deposits to total assets | 89.3848% | 1,286 |
| Equity capital to assets | 9.7666% | 4,673 |
| Core capital (leverage) ratio | 9.2595% | 4,516 |
| Tier 1 risk-based capital ratio | 16.3253% | 2,992 |
| Total risk-based capital ratio | 17.5813% | 2,969 |
| Memoranda: | ||
| Average total assets | $64,434,000 | 5,902 |
| Average earning assets | $59,730,000 | 5,847 |
| Average equity | $6,274,330 | 6,047 |
| Average total loans | $42,542,000 | 5,493 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6075% | 3,468 |
| Cost of funding earning assets | 0.6650% | 4,578 |
| Net interest margin | 3.9425% | 2,759 |
| Noninterest income to average assets | 0.4453% | 4,324 |
| Noninterest expense to average assets | 2.4901% | 5,179 |
| Loan and lease loss provision to assets | 0.1129% | 3,945 |
| Net operating income to assets | 1.4865% | 1,045 |
| Return on assets (ROA) | 1.4865% | 1,167 |
| Pretax return on assets | 1.4865% | 1,902 |
| Return on Equity (ROE) | 15.2891% | 925 |
| Retained earnings to average equity (ytd only) | 7.9348% | 2,006 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8896% | 5,473 |
| Assets per employee ($millions) | 4.9753% | 2,282 |
| Cash dividends to net income (ytd only)* | 48.1013% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5711% | 3,844 |
| Loan loss allowance to noncurrent loans | 107.8905% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 1.3838% | 3,797 |
| Noncurrent loans to loans | 1.4562% | 3,932 |
| Net loans and leases to total assets | 64.8990% | 2,669 |
| Net loans and leases to deposits | 72.5112% | 3,353 |
| Net loans and leases to core deposits | 77.6485% | 3,377 |
| Total domestic deposits to total assets | 89.5020% | 1,367 |
| Equity capital to assets | 9.6817% | 4,548 |
| Core capital (leverage) ratio | 9.3706% | 4,236 |
| Tier 1 risk-based capital ratio | 15.9168% | 3,216 |
| Total risk-based capital ratio | 17.1719% | 3,184 |
| Memoranda: | ||
| Average total assets | $63,773,500 | 5,960 |
| Average earning assets | $58,948,000 | 5,909 |
| Average equity | $6,200,500 | 6,095 |
| Average total loans | $42,303,000 | 5,539 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8244% | 3,685 |
| Cost of funding earning assets | 0.7410% | 5,275 |
| Net interest margin | 4.0834% | 2,509 |
| Noninterest income to average assets | 0.4517% | 4,201 |
| Noninterest expense to average assets | 2.4610% | 5,594 |
| Loan and lease loss provision to assets | 0.1187% | 5,119 |
| Net operating income to assets | 1.6780% | 574 |
| Return on assets (ROA) | 1.6780% | 613 |
| Pretax return on assets | 1.6780% | 1,040 |
| Return on Equity (ROE) | 17.0949% | 466 |
| Retained earnings to average equity (ytd only) | 7.7246% | 1,183 |
| Net charge-offs to loans | 0.0570% | 5,738 |
| Credit loss provision to net charge-offs | 300.0000% | 776 |
| Earnings coverage of net charge-offs (x) | 45.4167% | 606 |
| Efficiency ratio | 57.8010% | 6,077 |
| Assets per employee ($millions) | 4.8360% | 2,397 |
| Cash dividends to net income (ytd only)* | 54.8134% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5539% | 3,785 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 1.6415% | 3,493 |
| Noncurrent loans to loans | 1.5539% | 3,829 |
| Net loans and leases to total assets | 65.7059% | 2,839 |
| Net loans and leases to deposits | 73.5541% | 3,571 |
| Net loans and leases to core deposits | 78.2867% | 3,645 |
| Total domestic deposits to total assets | 89.3300% | 1,342 |
| Equity capital to assets | 9.7649% | 4,488 |
| Core capital (leverage) ratio | 9.2707% | 4,373 |
| Tier 1 risk-based capital ratio | 15.8666% | 3,117 |
| Total risk-based capital ratio | 17.1224% | 3,078 |
| Memoranda: | ||
| Average total assets | $60,666,400 | 6,016 |
| Average earning assets | $56,546,400 | 5,959 |
| Average equity | $5,955,000 | 6,171 |
| Average total loans | $42,095,200 | 5,598 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8847% | 3,625 |
| Cost of funding earning assets | 0.7548% | 5,436 |
| Net interest margin | 4.1299% | 2,357 |
| Noninterest income to average assets | 0.4569% | 4,245 |
| Noninterest expense to average assets | 2.4796% | 5,532 |
| Loan and lease loss provision to assets | 0.1198% | 4,938 |
| Net operating income to assets | 1.7166% | 602 |
| Return on assets (ROA) | 1.7166% | 660 |
| Pretax return on assets | 1.7166% | 1,105 |
| Return on Equity (ROE) | 17.4644% | 514 |
| Retained earnings to average equity (ytd only) | 10.4696% | 734 |
| Net charge-offs to loans | 0.0760% | 5,203 |
| Credit loss provision to net charge-offs | 225.0000% | 1,273 |
| Earnings coverage of net charge-offs (x) | 34.4991% | 846 |
| Efficiency ratio | 57.4512% | 6,088 |
| Assets per employee ($millions) | 4.7700% | 2,524 |
| Cash dividends to net income (ytd only)* | 40.0516% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4821% | 4,196 |
| Loan loss allowance to noncurrent loans | 119.3974% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 1.4820% | 3,893 |
| Noncurrent loans to loans | 1.2414% | 4,467 |
| Net loans and leases to total assets | 67.9600% | 2,495 |
| Net loans and leases to deposits | 76.2117% | 3,297 |
| Net loans and leases to core deposits | 81.6785% | 3,379 |
| Total domestic deposits to total assets | 89.1727% | 1,318 |
| Equity capital to assets | 9.9081% | 4,472 |
| Core capital (leverage) ratio | 9.4446% | 4,233 |
| Tier 1 risk-based capital ratio | 15.7041% | 3,276 |
| Total risk-based capital ratio | 16.9842% | 3,221 |
| Memoranda: | ||
| Average total assets | $60,116,000 | 6,080 |
| Average earning assets | $56,174,250 | 6,024 |
| Average equity | $5,909,000 | 6,221 |
| Average total loans | $42,129,000 | 5,644 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8796% | 3,710 |
| Cost of funding earning assets | 0.7623% | 5,607 |
| Net interest margin | 4.1172% | 2,349 |
| Noninterest income to average assets | 0.4741% | 4,071 |
| Noninterest expense to average assets | 2.5082% | 5,503 |
| Loan and lease loss provision to assets | 0.1210% | 4,765 |
| Net operating income to assets | 1.6946% | 609 |
| Return on assets (ROA) | 1.6946% | 656 |
| Pretax return on assets | 1.6946% | 1,065 |
| Return on Equity (ROE) | 17.2879% | 525 |
| Retained earnings to average equity (ytd only) | 10.8735% | 688 |
| Net charge-offs to loans | 0.1098% | 4,598 |
| Credit loss provision to net charge-offs | 156.5217% | 1,945 |
| Earnings coverage of net charge-offs (x) | 23.4783% | 1,090 |
| Efficiency ratio | 58.0093% | 6,160 |
| Assets per employee ($millions) | 4.6354% | 2,632 |
| Cash dividends to net income (ytd only)* | 37.1032% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4673% | 4,269 |
| Loan loss allowance to noncurrent loans | 111.5732% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 1.5134% | 3,932 |
| Noncurrent loans to loans | 1.3151% | 4,447 |
| Net loans and leases to total assets | 68.7554% | 2,468 |
| Net loans and leases to deposits | 77.1316% | 3,273 |
| Net loans and leases to core deposits | 81.8119% | 3,533 |
| Total domestic deposits to total assets | 89.1404% | 1,451 |
| Equity capital to assets | 9.9552% | 4,213 |
| Core capital (leverage) ratio | 9.4411% | 4,042 |
| Tier 1 risk-based capital ratio | 15.8769% | 3,045 |
| Total risk-based capital ratio | 17.1595% | 2,998 |
| Memoranda: | ||
| Average total assets | $59,484,670 | 6,155 |
| Average earning assets | $55,619,670 | 6,095 |
| Average equity | $5,830,670 | 6,278 |
| Average total loans | $41,913,330 | 5,705 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9502% | 3,330 |
| Cost of funding earning assets | 0.7877% | 5,623 |
| Net interest margin | 4.1625% | 2,023 |
| Noninterest income to average assets | 0.4941% | 3,937 |
| Noninterest expense to average assets | 2.6127% | 5,172 |
| Loan and lease loss provision to assets | 0.1218% | 4,489 |
| Net operating income to assets | 1.6583% | 614 |
| Return on assets (ROA) | 1.6583% | 646 |
| Pretax return on assets | 1.6583% | 1,062 |
| Return on Equity (ROE) | 17.0539% | 563 |
| Retained earnings to average equity (ytd only) | 8.8402% | 1,429 |
| Net charge-offs to loans | -0.0287% | 6,699 |
| Credit loss provision to net charge-offs | -600.0000% | 5,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4761% | 6,060 |
| Assets per employee ($millions) | 4.5755% | 2,775 |
| Cash dividends to net income (ytd only)* | 48.1633% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5031% | 4,193 |
| Loan loss allowance to noncurrent loans | 94.5537% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 1.6963% | 3,710 |
| Noncurrent loans to loans | 1.5897% | 4,100 |
| Net loans and leases to total assets | 68.8539% | 2,364 |
| Net loans and leases to deposits | 77.0541% | 3,242 |
| Net loans and leases to core deposits | 81.2696% | 3,567 |
| Total domestic deposits to total assets | 89.3579% | 1,559 |
| Equity capital to assets | 9.7678% | 4,077 |
| Core capital (leverage) ratio | 9.2921% | 4,132 |
| Tier 1 risk-based capital ratio | 15.5913% | 3,108 |
| Total risk-based capital ratio | 16.8749% | 3,048 |
| Memoranda: | ||
| Average total assets | $59,097,000 | 6,214 |
| Average earning assets | $55,351,500 | 6,150 |
| Average equity | $5,746,500 | 6,324 |
| Average total loans | $41,845,500 | 5,766 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3291% | 2,982 |
| Cost of funding earning assets | 1.0573% | 5,383 |
| Net interest margin | 4.2718% | 1,910 |
| Noninterest income to average assets | 0.7811% | 2,373 |
| Noninterest expense to average assets | 2.6657% | 5,149 |
| Loan and lease loss provision to assets | 0.4138% | 3,623 |
| Net operating income to assets | 1.6794% | 541 |
| Return on assets (ROA) | 1.6794% | 578 |
| Pretax return on assets | 1.6794% | 978 |
| Return on Equity (ROE) | 17.8585% | 386 |
| Retained earnings to average equity (ytd only) | 8.6909% | 790 |
| Net charge-offs to loans | 0.3002% | 4,514 |
| Credit loss provision to net charge-offs | 192.0000% | 1,669 |
| Earnings coverage of net charge-offs (x) | 9.7120% | 1,792 |
| Efficiency ratio | 56.0145% | 6,591 |
| Assets per employee ($millions) | 4.5164% | 2,836 |
| Cash dividends to net income (ytd only)* | 51.3347% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4343% | 4,355 |
| Loan loss allowance to noncurrent loans | 123.7705% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 1.2382% | 4,544 |
| Noncurrent loans to loans | 1.1588% | 4,788 |
| Net loans and leases to total assets | 70.6947% | 2,374 |
| Net loans and leases to deposits | 79.1227% | 3,318 |
| Net loans and leases to core deposits | 83.4161% | 3,683 |
| Total domestic deposits to total assets | 89.3482% | 1,468 |
| Equity capital to assets | 9.6793% | 4,172 |
| Core capital (leverage) ratio | 9.1903% | 4,188 |
| Tier 1 risk-based capital ratio | 15.1861% | 3,155 |
| Total risk-based capital ratio | 16.4662% | 3,093 |
| Memoranda: | ||
| Average total assets | $57,996,800 | 6,277 |
| Average earning assets | $54,005,800 | 6,216 |
| Average equity | $5,454,000 | 6,520 |
| Average total loans | $41,641,000 | 5,854 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3356% | 3,185 |
| Cost of funding earning assets | 1.1098% | 5,370 |
| Net interest margin | 4.2257% | 2,123 |
| Noninterest income to average assets | 0.5235% | 3,999 |
| Noninterest expense to average assets | 2.6681% | 5,011 |
| Loan and lease loss provision to assets | 0.2998% | 4,178 |
| Net operating income to assets | 1.4805% | 956 |
| Return on assets (ROA) | 1.4805% | 1,034 |
| Pretax return on assets | 1.4805% | 1,660 |
| Return on Equity (ROE) | 15.8610% | 722 |
| Retained earnings to average equity (ytd only) | 8.7705% | 1,128 |
| Net charge-offs to loans | 0.3725% | 3,814 |
| Credit loss provision to net charge-offs | 112.0690% | 3,772 |
| Earnings coverage of net charge-offs (x) | 6.6553% | 2,480 |
| Efficiency ratio | 59.9793% | 5,960 |
| Assets per employee ($millions) | 4.4652% | 2,964 |
| Cash dividends to net income (ytd only)* | 44.7043% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 5,478 |
| Loan loss allowance to noncurrent loans | 105.6723% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 1.2627% | 4,622 |
| Noncurrent loans to loans | 1.1381% | 4,962 |
| Net loans and leases to total assets | 71.1825% | 2,441 |
| Net loans and leases to deposits | 79.6177% | 3,518 |
| Net loans and leases to core deposits | 83.7403% | 3,987 |
| Total domestic deposits to total assets | 89.4053% | 1,173 |
| Equity capital to assets | 9.5869% | 4,718 |
| Core capital (leverage) ratio | 8.9466% | 4,768 |
| Tier 1 risk-based capital ratio | 14.7033% | 3,389 |
| Total risk-based capital ratio | 15.9823% | 3,359 |
| Memoranda: | ||
| Average total assets | $57,817,750 | 6,358 |
| Average earning assets | $53,701,250 | 6,289 |
| Average equity | $5,396,750 | 6,626 |
| Average total loans | $41,523,500 | 5,944 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3585% | 3,169 |
| Cost of funding earning assets | 1.1605% | 5,342 |
| Net interest margin | 4.1980% | 2,161 |
| Noninterest income to average assets | 0.5473% | 3,735 |
| Noninterest expense to average assets | 2.6844% | 4,974 |
| Loan and lease loss provision to assets | 0.2425% | 4,494 |
| Net operating income to assets | 1.5171% | 882 |
| Return on assets (ROA) | 1.5171% | 944 |
| Pretax return on assets | 1.5171% | 1,510 |
| Return on Equity (ROE) | 16.4024% | 650 |
| Retained earnings to average equity (ytd only) | 9.6992% | 917 |
| Net charge-offs to loans | 0.1642% | 4,631 |
| Credit loss provision to net charge-offs | 205.8824% | 1,889 |
| Earnings coverage of net charge-offs (x) | 14.9412% | 1,491 |
| Efficiency ratio | 60.4053% | 5,977 |
| Assets per employee ($millions) | 4.4708% | 2,921 |
| Cash dividends to net income (ytd only)* | 40.8676% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 5,133 |
| Loan loss allowance to noncurrent loans | 66.3717% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 1.3610% | 4,443 |
| Noncurrent loans to loans | 1.8980% | 3,870 |
| Net loans and leases to total assets | 70.8035% | 2,715 |
| Net loans and leases to deposits | 79.0302% | 3,791 |
| Net loans and leases to core deposits | 83.3573% | 4,232 |
| Total domestic deposits to total assets | 89.5905% | 1,132 |
| Equity capital to assets | 9.4116% | 4,848 |
| Core capital (leverage) ratio | 8.7939% | 4,922 |
| Tier 1 risk-based capital ratio | 14.6002% | 3,387 |
| Total risk-based capital ratio | 15.8799% | 3,339 |
| Memoranda: | ||
| Average total assets | $57,741,000 | 6,398 |
| Average earning assets | $53,596,670 | 6,342 |
| Average equity | $5,340,670 | 6,670 |
| Average total loans | $41,423,670 | 5,985 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4169% | 2,960 |
| Cost of funding earning assets | 1.2171% | 5,300 |
| Net interest margin | 4.1998% | 2,039 |
| Noninterest income to average assets | 0.5977% | 3,287 |
| Noninterest expense to average assets | 2.6759% | 5,022 |
| Loan and lease loss provision to assets | 0.2085% | 4,417 |
| Net operating income to assets | 1.5986% | 755 |
| Return on assets (ROA) | 1.5986% | 808 |
| Pretax return on assets | 1.5986% | 1,269 |
| Return on Equity (ROE) | 17.4375% | 565 |
| Retained earnings to average equity (ytd only) | 9.7043% | 1,208 |
| Net charge-offs to loans | 0.3293% | 3,088 |
| Credit loss provision to net charge-offs | 88.2353% | 3,698 |
| Earnings coverage of net charge-offs (x) | 7.6471% | 2,060 |
| Efficiency ratio | 59.6899% | 6,228 |
| Assets per employee ($millions) | 4.8560% | 2,430 |
| Cash dividends to net income (ytd only)* | 44.3478% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 5,685 |
| Loan loss allowance to noncurrent loans | 59.1463% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 1.4072% | 4,401 |
| Noncurrent loans to loans | 1.9694% | 3,832 |
| Net loans and leases to total assets | 70.6223% | 2,776 |
| Net loans and leases to deposits | 78.5903% | 3,925 |
| Net loans and leases to core deposits | 82.8362% | 4,377 |
| Total domestic deposits to total assets | 89.8613% | 1,062 |
| Equity capital to assets | 9.1639% | 5,038 |
| Core capital (leverage) ratio | 8.7518% | 4,938 |
| Tier 1 risk-based capital ratio | 14.1390% | 3,576 |
| Total risk-based capital ratio | 15.4163% | 3,524 |
| Memoranda: | ||
| Average total assets | $57,551,500 | 6,483 |
| Average earning assets | $53,241,000 | 6,429 |
| Average equity | $5,276,000 | 6,747 |
| Average total loans | $41,297,500 | 6,061 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7476% | 2,872 |
| Cost of funding earning assets | 1.7517% | 4,239 |
| Net interest margin | 3.9958% | 2,878 |
| Noninterest income to average assets | 0.5326% | 4,158 |
| Noninterest expense to average assets | 2.6486% | 5,601 |
| Loan and lease loss provision to assets | 0.1598% | 6,084 |
| Net operating income to assets | 1.4450% | 776 |
| Return on assets (ROA) | 1.4450% | 831 |
| Pretax return on assets | 1.4414% | 1,330 |
| Return on Equity (ROE) | 16.0154% | 555 |
| Retained earnings to average equity (ytd only) | 6.1976% | 1,273 |
| Net charge-offs to loans | -0.0025% | 7,696 |
| Credit loss provision to net charge-offs | -9,000.0000% | 7,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3225% | 6,101 |
| Assets per employee ($millions) | 4.7359% | 2,561 |
| Cash dividends to net income (ytd only)* | 61.3022% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1939% | 5,408 |
| Loan loss allowance to noncurrent loans | 126.0309% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.7989% | 5,508 |
| Noncurrent loans to loans | 0.9473% | 5,416 |
| Net loans and leases to total assets | 71.2076% | 2,952 |
| Net loans and leases to deposits | 79.3335% | 4,113 |
| Net loans and leases to core deposits | 99.4251% | 4,056 |
| Total domestic deposits to total assets | 89.7574% | 1,078 |
| Equity capital to assets | 9.1711% | 4,888 |
| Core capital (leverage) ratio | 8.5118% | 5,264 |
| Tier 1 risk-based capital ratio | 14.0915% | 3,446 |
| Total risk-based capital ratio | 15.3723% | 3,382 |
| Memoranda: | ||
| Average total assets | $56,332,200 | 6,482 |
| Average earning assets | $52,404,800 | 6,438 |
| Average equity | $5,082,600 | 6,911 |
| Average total loans | $40,509,800 | 6,074 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8161% | 2,818 |
| Cost of funding earning assets | 1.8488% | 4,163 |
| Net interest margin | 3.9672% | 2,953 |
| Noninterest income to average assets | 0.5361% | 4,185 |
| Noninterest expense to average assets | 2.6615% | 5,487 |
| Loan and lease loss provision to assets | 0.1850% | 5,519 |
| Net operating income to assets | 1.3948% | 1,044 |
| Return on assets (ROA) | 1.3948% | 1,106 |
| Pretax return on assets | 1.3900% | 1,724 |
| Return on Equity (ROE) | 15.5236% | 710 |
| Retained earnings to average equity (ytd only) | 8.1578% | 1,092 |
| Net charge-offs to loans | -0.0132% | 7,716 |
| Credit loss provision to net charge-offs | -1,950.0000% | 7,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8219% | 5,963 |
| Assets per employee ($millions) | 4.7172% | 2,527 |
| Cash dividends to net income (ytd only)* | 47.4489% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 5,338 |
| Loan loss allowance to noncurrent loans | 227.5362% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.3657% | 6,571 |
| Noncurrent loans to loans | 0.5112% | 6,287 |
| Net loans and leases to total assets | 70.7028% | 3,336 |
| Net loans and leases to deposits | 78.9731% | 4,566 |
| Net loans and leases to core deposits | 103.0990% | 4,047 |
| Total domestic deposits to total assets | 89.5276% | 951 |
| Equity capital to assets | 9.1969% | 5,172 |
| Core capital (leverage) ratio | 8.5580% | 5,379 |
| Tier 1 risk-based capital ratio | 14.3052% | 3,381 |
| Total risk-based capital ratio | 15.5833% | 3,308 |
| Memoranda: | ||
| Average total assets | $56,207,500 | 6,535 |
| Average earning assets | $52,428,250 | 6,477 |
| Average equity | $5,050,250 | 6,983 |
| Average total loans | $40,398,000 | 6,134 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8378% | 2,859 |
| Cost of funding earning assets | 1.9013% | 4,261 |
| Net interest margin | 3.9365% | 2,948 |
| Noninterest income to average assets | 0.5814% | 3,830 |
| Noninterest expense to average assets | 2.6857% | 5,440 |
| Loan and lease loss provision to assets | 0.2140% | 4,905 |
| Net operating income to assets | 1.3589% | 1,106 |
| Return on assets (ROA) | 1.3589% | 1,174 |
| Pretax return on assets | 1.3518% | 1,867 |
| Return on Equity (ROE) | 15.2451% | 791 |
| Retained earnings to average equity (ytd only) | 8.2027% | 1,153 |
| Net charge-offs to loans | -0.0347% | 7,797 |
| Credit loss provision to net charge-offs | -857.1429% | 7,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1711% | 6,062 |
| Assets per employee ($millions) | 4.7572% | 2,388 |
| Cash dividends to net income (ytd only)* | 46.1942% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 5,448 |
| Loan loss allowance to noncurrent loans | 215.0943% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.6674% | 5,745 |
| Noncurrent loans to loans | 0.5213% | 6,226 |
| Net loans and leases to total assets | 70.4463% | 3,596 |
| Net loans and leases to deposits | 78.5357% | 4,781 |
| Net loans and leases to core deposits | 100.3969% | 4,467 |
| Total domestic deposits to total assets | 89.6998% | 961 |
| Equity capital to assets | 8.9356% | 5,407 |
| Core capital (leverage) ratio | 8.4265% | 5,572 |
| Tier 1 risk-based capital ratio | 13.8613% | 3,600 |
| Total risk-based capital ratio | 15.1358% | 3,522 |
| Memoranda: | ||
| Average total assets | $56,074,670 | 6,591 |
| Average earning assets | $52,280,000 | 6,539 |
| Average equity | $4,998,330 | 7,063 |
| Average total loans | $40,366,330 | 6,191 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8920% | 2,835 |
| Cost of funding earning assets | 1.9228% | 4,525 |
| Net interest margin | 3.9692% | 2,775 |
| Noninterest income to average assets | 0.5831% | 3,665 |
| Noninterest expense to average assets | 2.5914% | 5,493 |
| Loan and lease loss provision to assets | 0.2159% | 4,288 |
| Net operating income to assets | 1.4900% | 958 |
| Return on assets (ROA) | 1.4900% | 1,028 |
| Pretax return on assets | 1.4756% | 1,739 |
| Return on Equity (ROE) | 16.7374% | 716 |
| Retained earnings to average equity (ytd only) | 8.2474% | 1,729 |
| Net charge-offs to loans | 0.0995% | 4,184 |
| Credit loss provision to net charge-offs | 300.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 23.5000% | 1,275 |
| Efficiency ratio | 60.5042% | 6,322 |
| Assets per employee ($millions) | 4.6450% | 2,514 |
| Cash dividends to net income (ytd only)* | 50.7246% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0253% | 5,985 |
| Loan loss allowance to noncurrent loans | 82.6263% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 0.8881% | 4,974 |
| Noncurrent loans to loans | 1.2409% | 4,486 |
| Net loans and leases to total assets | 70.8288% | 3,511 |
| Net loans and leases to deposits | 78.8654% | 4,792 |
| Net loans and leases to core deposits | 99.7196% | 4,562 |
| Total domestic deposits to total assets | 89.8098% | 883 |
| Equity capital to assets | 8.9666% | 5,393 |
| Core capital (leverage) ratio | 8.5605% | 5,409 |
| Tier 1 risk-based capital ratio | 13.9671% | 3,611 |
| Total risk-based capital ratio | 15.2014% | 3,543 |
| Memoranda: | ||
| Average total assets | $55,569,000 | 6,646 |
| Average earning assets | $51,799,000 | 6,579 |
| Average equity | $4,947,000 | 7,130 |
| Average total loans | $40,214,000 | 6,228 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4792% | 3,067 |
| Cost of funding earning assets | 2.5471% | 3,968 |
| Net interest margin | 3.9321% | 3,435 |
| Noninterest income to average assets | 0.6030% | 3,825 |
| Noninterest expense to average assets | 2.5612% | 5,789 |
| Loan and lease loss provision to assets | 0.1232% | 5,781 |
| Net operating income to assets | 1.5382% | 949 |
| Return on assets (ROA) | 1.5382% | 916 |
| Pretax return on assets | 1.5382% | 1,570 |
| Return on Equity (ROE) | 17.3007% | 597 |
| Retained earnings to average equity (ytd only) | 7.0337% | 1,141 |
| Net charge-offs to loans | 0.2138% | 4,072 |
| Credit loss provision to net charge-offs | 77.6471% | 5,947 |
| Earnings coverage of net charge-offs (x) | 10.4706% | 2,508 |
| Efficiency ratio | 60.6543% | 6,231 |
| Assets per employee ($millions) | 4.6165% | 2,457 |
| Cash dividends to net income (ytd only)* | 59.3447% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9596% | 6,350 |
| Loan loss allowance to noncurrent loans | 77.9559% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 0.9008% | 4,589 |
| Noncurrent loans to loans | 1.2309% | 4,050 |
| Net loans and leases to total assets | 72.4755% | 3,489 |
| Net loans and leases to deposits | 80.5675% | 4,950 |
| Net loans and leases to core deposits | 98.5010% | 4,989 |
| Total domestic deposits to total assets | 89.9563% | 660 |
| Equity capital to assets | 8.8379% | 5,591 |
| Core capital (leverage) ratio | 8.4250% | 5,703 |
| Tier 1 risk-based capital ratio | 13.5280% | 3,809 |
| Total risk-based capital ratio | 14.6904% | 3,757 |
| Memoranda: | ||
| Average total assets | $53,568,400 | 6,637 |
| Average earning assets | $49,311,600 | 6,622 |
| Average equity | $4,762,800 | 7,223 |
| Average total loans | $39,752,000 | 6,169 |