Home > The Sacramento Deposit Bank > Performance and Condition Ratios
The Sacramento Deposit 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 | 5.1931% | 1,677 |
| Cost of funding earning assets | 1.3749% | 2,297 |
| Net interest margin | 3.8182% | 1,539 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.2975% | 2,863 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.5011% | 1,016 |
| Return on assets (ROA) | 1.5011% | 988 |
| Pretax return on assets | 1.5011% | 1,416 |
| Return on Equity (ROE) | 26.0000% | 280 |
| Retained earnings to average equity (ytd only) | 2.6220% | 3,403 |
| Net charge-offs to loans | 0.0386% | 1,538 |
| Credit loss provision to net charge-offs | 322.5806% | 911 |
| Earnings coverage of net charge-offs (x) | 68.1613% | 1,110 |
| Efficiency ratio | 59.3184% | 3,154 |
| Assets per employee ($millions) | 6.8054% | 2,202 |
| Cash dividends to net income (ytd only)* | 89.9155% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 3,268 |
| Loan loss allowance to noncurrent loans | 69.7694% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 0.8919% | 560 |
| Noncurrent loans to loans | 1.4432% | 479 |
| Net loans and leases to total assets | 61.1800% | 2,745 |
| Net loans and leases to deposits | 66.5035% | 3,138 |
| Net loans and leases to core deposits | 71.3375% | 3,227 |
| Total domestic deposits to total assets | 92.0000% | 310 |
| Equity capital to assets | 5.9827% | 4,241 |
| Core capital (leverage) ratio | 9.6674% | 3,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2006% | 1,476 |
| Memoranda: | ||
| Average total assets | $134,105,000 | 3,513 |
| Average earning assets | $123,933,000 | 3,507 |
| Average equity | $7,742,200 | 3,964 |
| Average total loans | $80,313,000 | 3,399 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1371% | 1,565 |
| Cost of funding earning assets | 1.2354% | 2,317 |
| Net interest margin | 3.9018% | 1,396 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.3023% | 2,788 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6845% | 812 |
| Return on assets (ROA) | 1.6845% | 803 |
| Pretax return on assets | 1.6845% | 1,193 |
| Return on Equity (ROE) | 29.4500% | 238 |
| Retained earnings to average equity (ytd only) | 19.4883% | 277 |
| Net charge-offs to loans | 0.0437% | 1,263 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 64.9231% | 1,158 |
| Efficiency ratio | 57.7472% | 3,238 |
| Assets per employee ($millions) | 7.1562% | 1,844 |
| Cash dividends to net income (ytd only)* | 33.8270% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9023% | 3,724 |
| Loan loss allowance to noncurrent loans | 548.9051% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 2,904 |
| Noncurrent loans to loans | 0.1644% | 2,723 |
| Net loans and leases to total assets | 60.7400% | 2,776 |
| Net loans and leases to deposits | 67.3229% | 3,030 |
| Net loans and leases to core deposits | 71.5745% | 3,123 |
| Total domestic deposits to total assets | 90.2200% | 882 |
| Equity capital to assets | 5.4711% | 4,146 |
| Core capital (leverage) ratio | 10.4110% | 2,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3174% | 1,239 |
| Memoranda: | ||
| Average total assets | $133,604,250 | 3,519 |
| Average earning assets | $123,360,000 | 3,515 |
| Average equity | $7,642,000 | 3,977 |
| Average total loans | $79,361,250 | 3,427 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0051% | 1,556 |
| Cost of funding earning assets | 1.1126% | 2,240 |
| Net interest margin | 3.8925% | 1,441 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.3160% | 2,756 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6429% | 886 |
| Return on assets (ROA) | 1.6429% | 888 |
| Pretax return on assets | 1.6429% | 1,329 |
| Return on Equity (ROE) | 28.3000% | 256 |
| Retained earnings to average equity (ytd only) | 18.0553% | 339 |
| Net charge-offs to loans | 0.0666% | 888 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 41.9615% | 1,378 |
| Efficiency ratio | 58.5013% | 3,132 |
| Assets per employee ($millions) | 6.9771% | 1,942 |
| Cash dividends to net income (ytd only)* | 36.2053% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9578% | 3,583 |
| Loan loss allowance to noncurrent loans | 395.7895% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 2,548 |
| Noncurrent loans to loans | 0.2420% | 2,289 |
| Net loans and leases to total assets | 58.6600% | 2,903 |
| Net loans and leases to deposits | 62.8937% | 3,259 |
| Net loans and leases to core deposits | 66.6367% | 3,316 |
| Total domestic deposits to total assets | 93.2700% | 214 |
| Equity capital to assets | 5.9971% | 4,155 |
| Core capital (leverage) ratio | 10.1474% | 2,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5609% | 1,201 |
| Memoranda: | ||
| Average total assets | $132,816,333 | 3,544 |
| Average earning assets | $122,594,333 | 3,533 |
| Average equity | $7,709,667 | 3,982 |
| Average total loans | $78,035,333 | 3,446 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8770% | 1,455 |
| Cost of funding earning assets | 1.0002% | 2,048 |
| Net interest margin | 3.8768% | 1,524 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.2626% | 2,921 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5917% | 998 |
| Return on assets (ROA) | 1.5917% | 996 |
| Pretax return on assets | 1.5917% | 1,484 |
| Return on Equity (ROE) | 27.8800% | 296 |
| Retained earnings to average equity (ytd only) | 16.2857% | 662 |
| Net charge-offs to loans | 0.0617% | 760 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 44.0833% | 1,144 |
| Efficiency ratio | 58.7041% | 3,107 |
| Assets per employee ($millions) | 7.0805% | 1,918 |
| Cash dividends to net income (ytd only)* | 41.5879% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 3,598 |
| Loan loss allowance to noncurrent loans | 797.9167% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 3,083 |
| Noncurrent loans to loans | 0.1228% | 2,899 |
| Net loans and leases to total assets | 57.5500% | 2,905 |
| Net loans and leases to deposits | 61.5650% | 3,255 |
| Net loans and leases to core deposits | 63.8331% | 3,357 |
| Total domestic deposits to total assets | 93.4700% | 236 |
| Equity capital to assets | 5.8961% | 4,241 |
| Core capital (leverage) ratio | 9.9839% | 2,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0240% | 1,364 |
| Memoranda: | ||
| Average total assets | $132,942,000 | 3,587 |
| Average earning assets | $122,781,000 | 3,575 |
| Average equity | $7,589,500 | 4,049 |
| Average total loans | $77,795,500 | 3,486 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4138% | 858 |
| Cost of funding earning assets | 0.4391% | 1,796 |
| Net interest margin | 3.9747% | 820 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.1593% | 3,131 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.7995% | 447 |
| Return on assets (ROA) | 1.7995% | 429 |
| Pretax return on assets | 1.7995% | 736 |
| Return on Equity (ROE) | 25.5900% | 192 |
| Retained earnings to average equity (ytd only) | 1.8748% | 4,005 |
| Net charge-offs to loans | 0.0613% | 1,036 |
| Credit loss provision to net charge-offs | 426.6667% | 751 |
| Earnings coverage of net charge-offs (x) | 57.9556% | 1,278 |
| Efficiency ratio | 52.6421% | 3,922 |
| Assets per employee ($millions) | 7.2975% | 1,756 |
| Cash dividends to net income (ytd only)* | 92.6738% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 3,348 |
| Loan loss allowance to noncurrent loans | 810.4167% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.1515% | 2,478 |
| Noncurrent loans to loans | 0.1240% | 2,897 |
| Net loans and leases to total assets | 58.3400% | 2,790 |
| Net loans and leases to deposits | 64.1800% | 3,027 |
| Net loans and leases to core deposits | 66.4369% | 3,101 |
| Total domestic deposits to total assets | 90.9000% | 996 |
| Equity capital to assets | 5.5171% | 4,237 |
| Core capital (leverage) ratio | 9.8013% | 2,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9205% | 1,384 |
| Memoranda: | ||
| Average total assets | $134,257,200 | 3,593 |
| Average earning assets | $124,814,200 | 3,571 |
| Average equity | $9,441,000 | 3,940 |
| Average total loans | $73,432,800 | 3,514 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2893% | 754 |
| Cost of funding earning assets | 0.4035% | 1,261 |
| Net interest margin | 3.8857% | 824 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.1365% | 3,109 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.8293% | 401 |
| Return on assets (ROA) | 1.8293% | 392 |
| Pretax return on assets | 1.8293% | 687 |
| Return on Equity (ROE) | 24.7200% | 193 |
| Retained earnings to average equity (ytd only) | 16.8573% | 221 |
| Net charge-offs to loans | 0.0571% | 911 |
| Credit loss provision to net charge-offs | 112.9032% | 1,251 |
| Earnings coverage of net charge-offs (x) | 60.8710% | 1,165 |
| Efficiency ratio | 53.4074% | 3,879 |
| Assets per employee ($millions) | 7.3514% | 1,708 |
| Cash dividends to net income (ytd only)* | 31.8035% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8312% | 4,019 |
| Loan loss allowance to noncurrent loans | 203.5256% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.2358% | 2,049 |
| Noncurrent loans to loans | 0.4084% | 1,797 |
| Net loans and leases to total assets | 57.2500% | 2,774 |
| Net loans and leases to deposits | 61.5849% | 3,056 |
| Net loans and leases to core deposits | 63.6029% | 3,148 |
| Total domestic deposits to total assets | 92.9600% | 588 |
| Equity capital to assets | 6.0086% | 3,963 |
| Core capital (leverage) ratio | 10.2275% | 2,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9180% | 1,193 |
| Memoranda: | ||
| Average total assets | $134,982,750 | 3,608 |
| Average earning assets | $125,549,750 | 3,595 |
| Average equity | $9,989,500 | 3,916 |
| Average total loans | $72,439,250 | 3,544 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0857% | 791 |
| Cost of funding earning assets | 0.4068% | 880 |
| Net interest margin | 3.6789% | 945 |
| Noninterest income to average assets | 0.3813% | 2,862 |
| Noninterest expense to average assets | 2.0800% | 3,206 |
| Loan and lease loss provision to assets | 0.0309% | 2,034 |
| Net operating income to assets | 1.7046% | 425 |
| Return on assets (ROA) | 1.7046% | 417 |
| Pretax return on assets | 1.7046% | 747 |
| Return on Equity (ROE) | 21.7078% | 206 |
| Retained earnings to average equity (ytd only) | 13.9657% | 363 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5139% | 3,917 |
| Assets per employee ($millions) | 7.6304% | 1,530 |
| Cash dividends to net income (ytd only)* | 35.6649% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8980% | 3,954 |
| Loan loss allowance to noncurrent loans | 96.4497% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4922% | 1,159 |
| Noncurrent loans to loans | 0.9310% | 900 |
| Net loans and leases to total assets | 52.3907% | 3,117 |
| Net loans and leases to deposits | 56.6158% | 3,334 |
| Net loans and leases to core deposits | 58.7850% | 3,365 |
| Total domestic deposits to total assets | 92.5372% | 643 |
| Equity capital to assets | 6.7712% | 3,898 |
| Core capital (leverage) ratio | 9.7439% | 2,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5752% | 1,293 |
| Memoranda: | ||
| Average total assets | $135,868,333 | 3,637 |
| Average earning assets | $126,832,667 | 3,636 |
| Average equity | $10,669,000 | 3,915 |
| Average total loans | $71,121,333 | 3,602 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9729% | 814 |
| Cost of funding earning assets | 0.4182% | 776 |
| Net interest margin | 3.5547% | 976 |
| Noninterest income to average assets | 0.3937% | 2,730 |
| Noninterest expense to average assets | 2.1047% | 3,129 |
| Loan and lease loss provision to assets | 0.0207% | 1,984 |
| Net operating income to assets | 1.5896% | 522 |
| Return on assets (ROA) | 1.5896% | 520 |
| Pretax return on assets | 1.5896% | 844 |
| Return on Equity (ROE) | 18.9193% | 287 |
| Retained earnings to average equity (ytd only) | 10.5342% | 896 |
| Net charge-offs to loans | 0.0114% | 1,347 |
| Credit loss provision to net charge-offs | 350.0000% | 623 |
| Earnings coverage of net charge-offs (x) | 272.0000% | 344 |
| Efficiency ratio | 56.6534% | 3,824 |
| Assets per employee ($millions) | 7.5813% | 1,638 |
| Cash dividends to net income (ytd only)* | 44.3203% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9041% | 4,033 |
| Loan loss allowance to noncurrent loans | 164.3411% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.2836% | 1,989 |
| Noncurrent loans to loans | 0.5501% | 1,663 |
| Net loans and leases to total assets | 51.0845% | 3,063 |
| Net loans and leases to deposits | 55.5930% | 3,299 |
| Net loans and leases to core deposits | 57.3927% | 3,356 |
| Total domestic deposits to total assets | 91.8902% | 620 |
| Equity capital to assets | 7.5104% | 3,930 |
| Core capital (leverage) ratio | 9.5850% | 2,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6055% | 1,366 |
| Memoranda: | ||
| Average total assets | $135,129,000 | 3,662 |
| Average earning assets | $126,254,500 | 3,655 |
| Average equity | $11,353,500 | 3,921 |
| Average total loans | $70,377,500 | 3,611 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3200% | 823 |
| Cost of funding earning assets | 0.4974% | 946 |
| Net interest margin | 3.8226% | 961 |
| Noninterest income to average assets | 0.3870% | 3,123 |
| Noninterest expense to average assets | 2.1179% | 3,342 |
| Loan and lease loss provision to assets | 0.1591% | 747 |
| Net operating income to assets | 1.5324% | 950 |
| Return on assets (ROA) | 1.5324% | 988 |
| Pretax return on assets | 1.6715% | 1,215 |
| Return on Equity (ROE) | 14.9317% | 965 |
| Retained earnings to average equity (ytd only) | 0.3311% | 4,408 |
| Net charge-offs to loans | 0.1594% | 603 |
| Credit loss provision to net charge-offs | 183.9286% | 1,351 |
| Earnings coverage of net charge-offs (x) | 21.1607% | 1,828 |
| Efficiency ratio | 53.6385% | 3,966 |
| Assets per employee ($millions) | 6.6897% | 2,166 |
| Cash dividends to net income (ytd only)* | 97.7823% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8962% | 4,070 |
| Loan loss allowance to noncurrent loans | 275.5459% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.3064% | 2,007 |
| Noncurrent loans to loans | 0.3253% | 2,424 |
| Net loans and leases to total assets | 52.1518% | 3,045 |
| Net loans and leases to deposits | 57.9275% | 3,265 |
| Net loans and leases to core deposits | 60.3119% | 3,296 |
| Total domestic deposits to total assets | 90.0294% | 941 |
| Equity capital to assets | 9.3113% | 3,312 |
| Core capital (leverage) ratio | 9.6164% | 2,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2945% | 1,434 |
| Memoranda: | ||
| Average total assets | $129,468,000 | 3,687 |
| Average earning assets | $120,624,800 | 3,681 |
| Average equity | $13,287,200 | 3,805 |
| Average total loans | $70,281,800 | 3,639 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3941% | 819 |
| Cost of funding earning assets | 0.5139% | 981 |
| Net interest margin | 3.8802% | 977 |
| Noninterest income to average assets | 0.3967% | 3,105 |
| Noninterest expense to average assets | 2.1113% | 3,328 |
| Loan and lease loss provision to assets | 0.1028% | 1,177 |
| Net operating income to assets | 1.7977% | 671 |
| Return on assets (ROA) | 1.7977% | 700 |
| Pretax return on assets | 1.7977% | 1,167 |
| Return on Equity (ROE) | 17.1028% | 750 |
| Retained earnings to average equity (ytd only) | 12.5480% | 714 |
| Net charge-offs to loans | 0.1993% | 421 |
| Credit loss provision to net charge-offs | 94.2857% | 1,636 |
| Earnings coverage of net charge-offs (x) | 17.4286% | 1,814 |
| Efficiency ratio | 52.6275% | 3,966 |
| Assets per employee ($millions) | 6.8484% | 1,980 |
| Cash dividends to net income (ytd only)* | 26.6320% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7513% | 4,419 |
| Loan loss allowance to noncurrent loans | 238.1166% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.3105% | 2,220 |
| Noncurrent loans to loans | 0.3155% | 2,651 |
| Net loans and leases to total assets | 53.9107% | 2,981 |
| Net loans and leases to deposits | 60.9691% | 3,142 |
| Net loans and leases to core deposits | 63.9564% | 3,145 |
| Total domestic deposits to total assets | 88.4229% | 1,612 |
| Equity capital to assets | 10.7471% | 2,220 |
| Core capital (leverage) ratio | 10.5447% | 2,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7780% | 1,178 |
| Memoranda: | ||
| Average total assets | $128,386,500 | 3,734 |
| Average earning assets | $119,613,250 | 3,728 |
| Average equity | $13,494,500 | 3,841 |
| Average total loans | $70,250,500 | 3,694 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5121% | 711 |
| Cost of funding earning assets | 0.5288% | 1,041 |
| Net interest margin | 3.9834% | 850 |
| Noninterest income to average assets | 0.4084% | 3,065 |
| Noninterest expense to average assets | 2.1235% | 3,323 |
| Loan and lease loss provision to assets | 0.1221% | 1,034 |
| Net operating income to assets | 1.8762% | 617 |
| Return on assets (ROA) | 1.8762% | 643 |
| Pretax return on assets | 1.8762% | 1,063 |
| Return on Equity (ROE) | 17.9877% | 656 |
| Retained earnings to average equity (ytd only) | 13.3670% | 658 |
| Net charge-offs to loans | 0.2596% | 342 |
| Credit loss provision to net charge-offs | 85.7143% | 1,457 |
| Earnings coverage of net charge-offs (x) | 14.0330% | 1,679 |
| Efficiency ratio | 51.5186% | 4,091 |
| Assets per employee ($millions) | 6.5533% | 2,120 |
| Cash dividends to net income (ytd only)* | 25.6881% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7362% | 4,475 |
| Loan loss allowance to noncurrent loans | 78.7970% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.5303% | 1,567 |
| Noncurrent loans to loans | 0.9344% | 1,322 |
| Net loans and leases to total assets | 53.9030% | 3,142 |
| Net loans and leases to deposits | 60.6837% | 3,328 |
| Net loans and leases to core deposits | 63.4610% | 3,339 |
| Total domestic deposits to total assets | 88.8262% | 1,370 |
| Equity capital to assets | 10.4612% | 2,422 |
| Core capital (leverage) ratio | 10.2605% | 2,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1195% | 1,308 |
| Memoranda: | ||
| Average total assets | $127,809,000 | 3,750 |
| Average earning assets | $119,145,000 | 3,746 |
| Average equity | $13,331,333 | 3,861 |
| Average total loans | $70,107,667 | 3,718 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0582% | 1,495 |
| Cost of funding earning assets | 0.5545% | 1,074 |
| Net interest margin | 3.5037% | 1,813 |
| Noninterest income to average assets | 0.3963% | 3,108 |
| Noninterest expense to average assets | 2.0891% | 3,460 |
| Loan and lease loss provision to assets | 0.0666% | 1,816 |
| Net operating income to assets | 1.5058% | 1,316 |
| Return on assets (ROA) | 1.5058% | 1,378 |
| Pretax return on assets | 1.5058% | 1,974 |
| Return on Equity (ROE) | 14.4580% | 1,338 |
| Retained earnings to average equity (ytd only) | 9.7706% | 1,725 |
| Net charge-offs to loans | -0.0115% | 3,724 |
| Credit loss provision to net charge-offs | -1,050.0000% | 3,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0563% | 3,421 |
| Assets per employee ($millions) | 6.7625% | 1,967 |
| Cash dividends to net income (ytd only)* | 32.4211% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8034% | 4,404 |
| Loan loss allowance to noncurrent loans | 85.8896% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 0.5464% | 1,735 |
| Noncurrent loans to loans | 0.9354% | 1,444 |
| Net loans and leases to total assets | 53.8132% | 3,263 |
| Net loans and leases to deposits | 60.3074% | 3,456 |
| Net loans and leases to core deposits | 62.7916% | 3,516 |
| Total domestic deposits to total assets | 89.2316% | 1,217 |
| Equity capital to assets | 10.1279% | 2,581 |
| Core capital (leverage) ratio | 10.2829% | 2,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8551% | 1,343 |
| Memoranda: | ||
| Average total assets | $126,181,000 | 3,781 |
| Average earning assets | $117,590,000 | 3,767 |
| Average equity | $13,141,500 | 3,889 |
| Average total loans | $69,575,500 | 3,748 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6395% | 1,018 |
| Cost of funding earning assets | 0.7476% | 1,462 |
| Net interest margin | 3.8919% | 1,241 |
| Noninterest income to average assets | 0.4285% | 2,970 |
| Noninterest expense to average assets | 2.3566% | 3,254 |
| Loan and lease loss provision to assets | 0.1033% | 3,042 |
| Net operating income to assets | 1.6166% | 618 |
| Return on assets (ROA) | 1.6166% | 671 |
| Pretax return on assets | 1.6166% | 1,042 |
| Return on Equity (ROE) | 14.1345% | 779 |
| Retained earnings to average equity (ytd only) | 1.8956% | 3,870 |
| Net charge-offs to loans | 0.0812% | 1,665 |
| Credit loss provision to net charge-offs | 212.2807% | 2,102 |
| Earnings coverage of net charge-offs (x) | 35.3509% | 1,481 |
| Efficiency ratio | 57.8099% | 3,752 |
| Assets per employee ($millions) | 6.5197% | 1,910 |
| Cash dividends to net income (ytd only)* | 86.5892% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7732% | 4,478 |
| Loan loss allowance to noncurrent loans | 94.5423% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.4585% | 2,196 |
| Noncurrent loans to loans | 0.8179% | 1,710 |
| Net loans and leases to total assets | 55.6295% | 3,333 |
| Net loans and leases to deposits | 62.8635% | 3,536 |
| Net loans and leases to core deposits | 65.3668% | 3,595 |
| Total domestic deposits to total assets | 88.4924% | 1,236 |
| Equity capital to assets | 10.7124% | 2,507 |
| Core capital (leverage) ratio | 10.2572% | 2,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7275% | 1,332 |
| Memoranda: | ||
| Average total assets | $117,160,800 | 3,778 |
| Average earning assets | $109,818,800 | 3,770 |
| Average equity | $13,399,800 | 3,825 |
| Average total loans | $70,162,000 | 3,729 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7862% | 898 |
| Cost of funding earning assets | 0.7942% | 1,527 |
| Net interest margin | 3.9920% | 1,133 |
| Noninterest income to average assets | 0.4364% | 2,900 |
| Noninterest expense to average assets | 2.3807% | 3,197 |
| Loan and lease loss provision to assets | 0.0909% | 3,174 |
| Net operating income to assets | 1.7076% | 564 |
| Return on assets (ROA) | 1.7076% | 630 |
| Pretax return on assets | 1.7076% | 960 |
| Return on Equity (ROE) | 14.6807% | 749 |
| Retained earnings to average equity (ytd only) | 10.0949% | 741 |
| Net charge-offs to loans | 0.0531% | 1,845 |
| Credit loss provision to net charge-offs | 282.1429% | 1,819 |
| Earnings coverage of net charge-offs (x) | 55.6429% | 1,136 |
| Efficiency ratio | 56.9613% | 3,798 |
| Assets per employee ($millions) | 5.9862% | 2,276 |
| Cash dividends to net income (ytd only)* | 31.2373% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7500% | 4,486 |
| Loan loss allowance to noncurrent loans | 68.7664% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 0.6365% | 1,833 |
| Noncurrent loans to loans | 1.0907% | 1,380 |
| Net loans and leases to total assets | 57.9174% | 3,425 |
| Net loans and leases to deposits | 66.4861% | 3,574 |
| Net loans and leases to core deposits | 69.3029% | 3,675 |
| Total domestic deposits to total assets | 87.1120% | 1,619 |
| Equity capital to assets | 11.8072% | 1,793 |
| Core capital (leverage) ratio | 11.1907% | 1,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8466% | 1,079 |
| Memoranda: | ||
| Average total assets | $115,482,250 | 3,797 |
| Average earning assets | $108,280,000 | 3,787 |
| Average equity | $13,432,250 | 3,826 |
| Average total loans | $70,340,500 | 3,744 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8994% | 976 |
| Cost of funding earning assets | 0.8521% | 1,592 |
| Net interest margin | 4.0473% | 1,225 |
| Noninterest income to average assets | 0.4541% | 2,789 |
| Noninterest expense to average assets | 2.4301% | 3,174 |
| Loan and lease loss provision to assets | 0.0859% | 3,205 |
| Net operating income to assets | 1.7358% | 577 |
| Return on assets (ROA) | 1.7358% | 627 |
| Pretax return on assets | 1.7358% | 920 |
| Return on Equity (ROE) | 15.0027% | 706 |
| Retained earnings to average equity (ytd only) | 10.3352% | 728 |
| Net charge-offs to loans | 0.0794% | 1,456 |
| Credit loss provision to net charge-offs | 175.0000% | 2,013 |
| Earnings coverage of net charge-offs (x) | 37.1071% | 1,299 |
| Efficiency ratio | 57.1546% | 3,793 |
| Assets per employee ($millions) | 5.9537% | 2,225 |
| Cash dividends to net income (ytd only)* | 31.1111% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7024% | 4,557 |
| Loan loss allowance to noncurrent loans | 79.7101% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 0.5417% | 2,188 |
| Noncurrent loans to loans | 0.8812% | 1,732 |
| Net loans and leases to total assets | 58.7665% | 3,447 |
| Net loans and leases to deposits | 67.2003% | 3,629 |
| Net loans and leases to core deposits | 70.0422% | 3,704 |
| Total domestic deposits to total assets | 87.4497% | 1,433 |
| Equity capital to assets | 11.5501% | 1,939 |
| Core capital (leverage) ratio | 11.0740% | 1,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3726% | 1,165 |
| Memoranda: | ||
| Average total assets | $114,068,333 | 3,800 |
| Average earning assets | $107,033,333 | 3,787 |
| Average equity | $13,197,667 | 3,852 |
| Average total loans | $70,499,000 | 3,745 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9729% | 1,019 |
| Cost of funding earning assets | 0.9363% | 1,711 |
| Net interest margin | 4.0366% | 1,297 |
| Noninterest income to average assets | 0.4231% | 2,948 |
| Noninterest expense to average assets | 2.4775% | 3,342 |
| Loan and lease loss provision to assets | 0.0681% | 2,901 |
| Net operating income to assets | 1.6492% | 560 |
| Return on assets (ROA) | 1.6492% | 619 |
| Pretax return on assets | 1.6492% | 951 |
| Return on Equity (ROE) | 14.2415% | 655 |
| Retained earnings to average equity (ytd only) | 9.4737% | 853 |
| Net charge-offs to loans | 0.0454% | 1,569 |
| Credit loss provision to net charge-offs | 237.5000% | 1,320 |
| Earnings coverage of net charge-offs (x) | 59.8750% | 807 |
| Efficiency ratio | 59.0598% | 3,860 |
| Assets per employee ($millions) | 5.6105% | 2,016 |
| Cash dividends to net income (ytd only)* | 33.4783% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6803% | 4,644 |
| Loan loss allowance to noncurrent loans | 96.0317% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.4492% | 2,674 |
| Noncurrent loans to loans | 0.7084% | 2,231 |
| Net loans and leases to total assets | 62.9721% | 3,193 |
| Net loans and leases to deposits | 72.0582% | 3,426 |
| Net loans and leases to core deposits | 75.3011% | 3,547 |
| Total domestic deposits to total assets | 87.3906% | 1,387 |
| Equity capital to assets | 11.6683% | 2,316 |
| Core capital (leverage) ratio | 11.3941% | 2,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1039% | 1,325 |
| Memoranda: | ||
| Average total assets | $111,566,000 | 3,822 |
| Average earning assets | $104,245,000 | 3,816 |
| Average equity | $12,920,000 | 3,886 |
| Average total loans | $70,513,500 | 3,753 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1293% | 1,153 |
| Cost of funding earning assets | 0.8463% | 2,448 |
| Net interest margin | 4.2830% | 1,128 |
| Noninterest income to average assets | 0.4853% | 2,828 |
| Noninterest expense to average assets | 2.5546% | 3,308 |
| Loan and lease loss provision to assets | 0.1568% | 1,344 |
| Net operating income to assets | 1.7612% | 579 |
| Return on assets (ROA) | 1.7612% | 613 |
| Pretax return on assets | 1.7612% | 1,044 |
| Return on Equity (ROE) | 14.8936% | 706 |
| Retained earnings to average equity (ytd only) | 2.0987% | 3,948 |
| Net charge-offs to loans | 0.2827% | 741 |
| Credit loss provision to net charge-offs | 86.7347% | 2,701 |
| Earnings coverage of net charge-offs (x) | 10.6071% | 2,558 |
| Efficiency ratio | 57.1163% | 4,078 |
| Assets per employee ($millions) | 5.5461% | 2,025 |
| Cash dividends to net income (ytd only)* | 85.9089% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6769% | 4,614 |
| Loan loss allowance to noncurrent loans | 233.0049% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.3435% | 3,030 |
| Noncurrent loans to loans | 0.2905% | 3,391 |
| Net loans and leases to total assets | 62.5746% | 3,348 |
| Net loans and leases to deposits | 71.5785% | 3,546 |
| Net loans and leases to core deposits | 74.4085% | 3,688 |
| Total domestic deposits to total assets | 87.4209% | 1,398 |
| Equity capital to assets | 11.4919% | 2,537 |
| Core capital (leverage) ratio | 11.1222% | 2,397 |
| Tier 1 risk-based capital ratio | 16.3417% | 2,276 |
| Total risk-based capital ratio | 16.9699% | 2,431 |
| Memoranda: | ||
| Average total assets | $108,393,400 | 3,854 |
| Average earning assets | $100,910,000 | 3,854 |
| Average equity | $12,817,600 | 3,904 |
| Average total loans | $69,325,400 | 3,790 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1141% | 1,261 |
| Cost of funding earning assets | 0.8087% | 2,669 |
| Net interest margin | 4.3054% | 1,157 |
| Noninterest income to average assets | 0.4541% | 2,997 |
| Noninterest expense to average assets | 2.5760% | 3,228 |
| Loan and lease loss provision to assets | 0.0742% | 2,403 |
| Net operating income to assets | 1.8089% | 603 |
| Return on assets (ROA) | 1.8089% | 638 |
| Pretax return on assets | 1.8089% | 1,072 |
| Return on Equity (ROE) | 15.1869% | 742 |
| Retained earnings to average equity (ytd only) | 10.3878% | 655 |
| Net charge-offs to loans | 0.1426% | 1,138 |
| Credit loss provision to net charge-offs | 81.0811% | 2,488 |
| Earnings coverage of net charge-offs (x) | 20.5684% | 1,952 |
| Efficiency ratio | 57.7691% | 3,972 |
| Assets per employee ($millions) | 5.4964% | 2,035 |
| Cash dividends to net income (ytd only)* | 31.6004% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6858% | 4,680 |
| Loan loss allowance to noncurrent loans | 58.6457% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 0.9142% | 1,482 |
| Noncurrent loans to loans | 1.1695% | 1,352 |
| Net loans and leases to total assets | 63.8888% | 3,296 |
| Net loans and leases to deposits | 73.9920% | 3,475 |
| Net loans and leases to core deposits | 77.0161% | 3,628 |
| Total domestic deposits to total assets | 86.3455% | 1,848 |
| Equity capital to assets | 12.3591% | 2,003 |
| Core capital (leverage) ratio | 12.0514% | 1,816 |
| Tier 1 risk-based capital ratio | 17.2258% | 2,019 |
| Total risk-based capital ratio | 17.8669% | 2,152 |
| Memoranda: | ||
| Average total assets | $107,761,250 | 3,902 |
| Average earning assets | $100,244,000 | 3,904 |
| Average equity | $12,835,250 | 3,938 |
| Average total loans | $69,186,250 | 3,833 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1096% | 1,191 |
| Cost of funding earning assets | 0.7555% | 2,870 |
| Net interest margin | 4.3541% | 1,028 |
| Noninterest income to average assets | 0.4522% | 2,948 |
| Noninterest expense to average assets | 2.6420% | 3,081 |
| Loan and lease loss provision to assets | 0.0561% | 2,705 |
| Net operating income to assets | 1.8031% | 590 |
| Return on assets (ROA) | 1.8031% | 615 |
| Pretax return on assets | 1.8031% | 1,023 |
| Return on Equity (ROE) | 15.3357% | 692 |
| Retained earnings to average equity (ytd only) | 10.4410% | 647 |
| Net charge-offs to loans | 0.2009% | 818 |
| Credit loss provision to net charge-offs | 43.4783% | 2,516 |
| Earnings coverage of net charge-offs (x) | 14.4203% | 2,036 |
| Efficiency ratio | 58.6966% | 3,906 |
| Assets per employee ($millions) | 5.4712% | 1,992 |
| Cash dividends to net income (ytd only)* | 31.9171% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6618% | 4,775 |
| Loan loss allowance to noncurrent loans | 174.9049% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.4030% | 2,893 |
| Noncurrent loans to loans | 0.3784% | 3,170 |
| Net loans and leases to total assets | 63.1056% | 3,438 |
| Net loans and leases to deposits | 72.7759% | 3,616 |
| Net loans and leases to core deposits | 75.3974% | 3,778 |
| Total domestic deposits to total assets | 86.7121% | 1,724 |
| Equity capital to assets | 12.0541% | 2,146 |
| Core capital (leverage) ratio | 11.7359% | 1,996 |
| Tier 1 risk-based capital ratio | 17.0627% | 2,067 |
| Total risk-based capital ratio | 17.6816% | 2,209 |
| Memoranda: | ||
| Average total assets | $107,039,330 | 3,942 |
| Average earning assets | $99,537,330 | 3,934 |
| Average equity | $12,585,000 | 3,973 |
| Average total loans | $68,676,330 | 3,864 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0369% | 1,246 |
| Cost of funding earning assets | 0.6963% | 3,076 |
| Net interest margin | 4.3406% | 1,024 |
| Noninterest income to average assets | 0.4384% | 2,921 |
| Noninterest expense to average assets | 2.6793% | 2,971 |
| Loan and lease loss provision to assets | 0.0567% | 2,532 |
| Net operating income to assets | 1.7308% | 690 |
| Return on assets (ROA) | 1.7308% | 714 |
| Pretax return on assets | 1.7308% | 1,138 |
| Return on Equity (ROE) | 14.9155% | 761 |
| Retained earnings to average equity (ytd only) | 9.9003% | 1,057 |
| Net charge-offs to loans | 0.2168% | 650 |
| Credit loss provision to net charge-offs | 40.5405% | 2,028 |
| Earnings coverage of net charge-offs (x) | 12.7838% | 1,858 |
| Efficiency ratio | 59.9831% | 3,807 |
| Assets per employee ($millions) | 5.0712% | 2,433 |
| Cash dividends to net income (ytd only)* | 33.6245% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6992% | 4,782 |
| Loan loss allowance to noncurrent loans | 107.4324% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.5437% | 2,467 |
| Noncurrent loans to loans | 0.6508% | 2,388 |
| Net loans and leases to total assets | 63.6133% | 3,331 |
| Net loans and leases to deposits | 73.0917% | 3,524 |
| Net loans and leases to core deposits | 75.7825% | 3,672 |
| Total domestic deposits to total assets | 87.0323% | 1,799 |
| Equity capital to assets | 11.8250% | 2,137 |
| Core capital (leverage) ratio | 11.6975% | 1,986 |
| Tier 1 risk-based capital ratio | 16.9505% | 2,119 |
| Total risk-based capital ratio | 17.6066% | 2,261 |
| Memoranda: | ||
| Average total assets | $105,847,500 | 4,007 |
| Average earning assets | $98,235,500 | 3,999 |
| Average equity | $12,282,500 | 4,028 |
| Average total loans | $68,258,500 | 3,906 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9513% | 1,155 |
| Cost of funding earning assets | 0.5014% | 3,346 |
| Net interest margin | 4.4499% | 838 |
| Noninterest income to average assets | 0.4294% | 3,247 |
| Noninterest expense to average assets | 2.6566% | 3,165 |
| Loan and lease loss provision to assets | 0.1460% | 1,464 |
| Net operating income to assets | 1.8222% | 525 |
| Return on assets (ROA) | 1.8222% | 523 |
| Pretax return on assets | 1.8222% | 866 |
| Return on Equity (ROE) | 16.1285% | 604 |
| Retained earnings to average equity (ytd only) | -0.0333% | 4,988 |
| Net charge-offs to loans | 0.1573% | 1,221 |
| Credit loss provision to net charge-offs | 144.8598% | 1,877 |
| Earnings coverage of net charge-offs (x) | 19.5327% | 2,056 |
| Efficiency ratio | 57.4425% | 4,225 |
| Assets per employee ($millions) | 5.0095% | 2,491 |
| Cash dividends to net income (ytd only)* | 100.2067% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7307% | 4,730 |
| Loan loss allowance to noncurrent loans | 88.6323% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 0.5352% | 2,455 |
| Noncurrent loans to loans | 0.8244% | 1,952 |
| Net loans and leases to total assets | 64.4449% | 3,310 |
| Net loans and leases to deposits | 73.7619% | 3,519 |
| Net loans and leases to core deposits | 76.1993% | 3,700 |
| Total domestic deposits to total assets | 87.3688% | 1,596 |
| Equity capital to assets | 11.3802% | 2,346 |
| Core capital (leverage) ratio | 11.4763% | 2,124 |
| Tier 1 risk-based capital ratio | 16.6045% | 2,204 |
| Total risk-based capital ratio | 17.2942% | 2,330 |
| Memoranda: | ||
| Average total assets | $106,188,200 | 4,000 |
| Average earning assets | $100,115,200 | 3,973 |
| Average equity | $11,997,400 | 4,028 |
| Average total loans | $68,003,200 | 3,918 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8909% | 1,181 |
| Cost of funding earning assets | 0.4769% | 3,351 |
| Net interest margin | 4.4140% | 875 |
| Noninterest income to average assets | 0.3846% | 3,570 |
| Noninterest expense to average assets | 2.6419% | 3,150 |
| Loan and lease loss provision to assets | 0.0564% | 2,847 |
| Net operating income to assets | 1.8602% | 540 |
| Return on assets (ROA) | 1.8602% | 537 |
| Pretax return on assets | 1.8602% | 882 |
| Return on Equity (ROE) | 16.4944% | 615 |
| Retained earnings to average equity (ytd only) | 11.3739% | 578 |
| Net charge-offs to loans | 0.1845% | 911 |
| Credit loss provision to net charge-offs | 47.8723% | 2,851 |
| Earnings coverage of net charge-offs (x) | 16.2766% | 2,169 |
| Efficiency ratio | 57.9555% | 4,133 |
| Assets per employee ($millions) | 5.1867% | 2,234 |
| Cash dividends to net income (ytd only)* | 31.0437% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5963% | 5,046 |
| Loan loss allowance to noncurrent loans | 80.2395% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 0.4830% | 2,757 |
| Noncurrent loans to loans | 0.7432% | 2,228 |
| Net loans and leases to total assets | 64.5998% | 3,354 |
| Net loans and leases to deposits | 74.7068% | 3,532 |
| Net loans and leases to core deposits | 77.5144% | 3,697 |
| Total domestic deposits to total assets | 86.4712% | 1,980 |
| Equity capital to assets | 11.9604% | 1,934 |
| Core capital (leverage) ratio | 12.4786% | 1,514 |
| Tier 1 risk-based capital ratio | 18.1982% | 1,744 |
| Total risk-based capital ratio | 18.7593% | 1,886 |
| Memoranda: | ||
| Average total assets | $106,435,250 | 4,031 |
| Average earning assets | $100,646,250 | 4,005 |
| Average equity | $12,003,750 | 4,058 |
| Average total loans | $67,930,250 | 3,950 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8206% | 1,196 |
| Cost of funding earning assets | 0.4650% | 3,257 |
| Net interest margin | 4.3556% | 933 |
| Noninterest income to average assets | 0.3689% | 3,693 |
| Noninterest expense to average assets | 2.6198% | 3,268 |
| Loan and lease loss provision to assets | 0.0559% | 2,790 |
| Net operating income to assets | 1.8298% | 550 |
| Return on assets (ROA) | 1.8298% | 551 |
| Pretax return on assets | 1.8298% | 901 |
| Return on Equity (ROE) | 16.5468% | 580 |
| Retained earnings to average equity (ytd only) | 11.3570% | 610 |
| Net charge-offs to loans | 0.1938% | 809 |
| Credit loss provision to net charge-offs | 45.4545% | 2,520 |
| Earnings coverage of net charge-offs (x) | 15.3333% | 2,047 |
| Efficiency ratio | 58.1472% | 4,207 |
| Assets per employee ($millions) | 5.2501% | 2,151 |
| Cash dividends to net income (ytd only)* | 31.3646% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6117% | 5,082 |
| Loan loss allowance to noncurrent loans | 104.2714% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.4990% | 2,762 |
| Noncurrent loans to loans | 0.5867% | 2,662 |
| Net loans and leases to total assets | 64.2137% | 3,375 |
| Net loans and leases to deposits | 73.8548% | 3,552 |
| Net loans and leases to core deposits | 76.5732% | 3,694 |
| Total domestic deposits to total assets | 86.9458% | 1,862 |
| Equity capital to assets | 11.5447% | 2,166 |
| Core capital (leverage) ratio | 11.9541% | 1,747 |
| Tier 1 risk-based capital ratio | 16.8063% | 2,164 |
| Total risk-based capital ratio | 17.3563% | 2,333 |
| Memoranda: | ||
| Average total assets | $107,335,670 | 4,061 |
| Average earning assets | $101,936,670 | 4,018 |
| Average equity | $11,869,330 | 4,106 |
| Average total loans | $68,102,330 | 3,971 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7652% | 1,155 |
| Cost of funding earning assets | 0.4703% | 3,037 |
| Net interest margin | 4.2949% | 955 |
| Noninterest income to average assets | 0.3576% | 3,751 |
| Noninterest expense to average assets | 2.5105% | 3,609 |
| Loan and lease loss provision to assets | 0.0553% | 2,661 |
| Net operating income to assets | 1.8654% | 494 |
| Return on assets (ROA) | 1.8654% | 497 |
| Pretax return on assets | 1.8654% | 786 |
| Return on Equity (ROE) | 17.2358% | 489 |
| Retained earnings to average equity (ytd only) | 11.9901% | 683 |
| Net charge-offs to loans | 0.2990% | 507 |
| Credit loss provision to net charge-offs | 29.4118% | 2,069 |
| Earnings coverage of net charge-offs (x) | 10.2157% | 1,917 |
| Efficiency ratio | 56.6556% | 4,501 |
| Assets per employee ($millions) | 5.3661% | 2,076 |
| Cash dividends to net income (ytd only)* | 30.4348% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6118% | 5,164 |
| Loan loss allowance to noncurrent loans | 98.1087% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 0.3941% | 3,260 |
| Noncurrent loans to loans | 0.6236% | 2,670 |
| Net loans and leases to total assets | 62.8166% | 3,443 |
| Net loans and leases to deposits | 71.6635% | 3,647 |
| Net loans and leases to core deposits | 74.2132% | 3,807 |
| Total domestic deposits to total assets | 87.6549% | 1,814 |
| Equity capital to assets | 11.0071% | 2,571 |
| Core capital (leverage) ratio | 11.4036% | 2,083 |
| Tier 1 risk-based capital ratio | 17.3480% | 2,016 |
| Total risk-based capital ratio | 17.9308% | 2,166 |
| Memoranda: | ||
| Average total assets | $108,503,000 | 4,093 |
| Average earning assets | $102,913,000 | 4,047 |
| Average equity | $11,743,000 | 4,163 |
| Average total loans | $68,233,500 | 4,003 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5784% | 1,490 |
| Cost of funding earning assets | 0.4894% | 2,428 |
| Net interest margin | 4.0890% | 1,481 |
| Noninterest income to average assets | 0.4276% | 3,455 |
| Noninterest expense to average assets | 2.4797% | 3,853 |
| Loan and lease loss provision to assets | 0.1357% | 1,695 |
| Net operating income to assets | 1.6854% | 542 |
| Return on assets (ROA) | 1.6854% | 555 |
| Pretax return on assets | 1.6854% | 1,042 |
| Return on Equity (ROE) | 15.0823% | 596 |
| Retained earnings to average equity (ytd only) | -1.3748% | 5,216 |
| Net charge-offs to loans | 0.1654% | 1,483 |
| Credit loss provision to net charge-offs | 139.8148% | 1,891 |
| Earnings coverage of net charge-offs (x) | 18.7685% | 2,062 |
| Efficiency ratio | 57.6562% | 4,569 |
| Assets per employee ($millions) | 5.4842% | 1,949 |
| Cash dividends to net income (ytd only)* | 109.1151% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6571% | 5,146 |
| Loan loss allowance to noncurrent loans | 88.4314% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 0.5288% | 2,790 |
| Noncurrent loans to loans | 0.7431% | 2,348 |
| Net loans and leases to total assets | 62.1649% | 3,597 |
| Net loans and leases to deposits | 71.4458% | 3,745 |
| Net loans and leases to core deposits | 74.2012% | 3,865 |
| Total domestic deposits to total assets | 87.0100% | 1,992 |
| Equity capital to assets | 10.6424% | 3,001 |
| Core capital (leverage) ratio | 10.8704% | 2,456 |
| Tier 1 risk-based capital ratio | 16.4793% | 2,274 |
| Total risk-based capital ratio | 17.0976% | 2,438 |
| Memoranda: | ||
| Average total assets | $111,306,000 | 4,036 |
| Average earning assets | $105,429,000 | 3,997 |
| Average equity | $12,438,400 | 4,065 |
| Average total loans | $65,315,600 | 4,063 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4935% | 1,664 |
| Cost of funding earning assets | 0.4927% | 2,328 |
| Net interest margin | 4.0008% | 1,701 |
| Noninterest income to average assets | 0.4416% | 3,390 |
| Noninterest expense to average assets | 2.4264% | 3,947 |
| Loan and lease loss provision to assets | 0.0668% | 2,730 |
| Net operating income to assets | 1.7378% | 544 |
| Return on assets (ROA) | 1.7378% | 554 |
| Pretax return on assets | 1.7378% | 1,028 |
| Return on Equity (ROE) | 15.3707% | 606 |
| Retained earnings to average equity (ytd only) | 12.6577% | 248 |
| Net charge-offs to loans | 0.1427% | 1,395 |
| Credit loss provision to net charge-offs | 81.1594% | 2,567 |
| Earnings coverage of net charge-offs (x) | 21.9125% | 1,893 |
| Efficiency ratio | 57.3484% | 4,581 |
| Assets per employee ($millions) | 5.5138% | 1,911 |
| Cash dividends to net income (ytd only)* | 17.6512% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5783% | 5,363 |
| Loan loss allowance to noncurrent loans | 94.0476% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 0.3809% | 3,504 |
| Noncurrent loans to loans | 0.6149% | 2,871 |
| Net loans and leases to total assets | 61.5860% | 3,705 |
| Net loans and leases to deposits | 71.7877% | 3,795 |
| Net loans and leases to core deposits | 74.6989% | 3,916 |
| Total domestic deposits to total assets | 85.7892% | 2,394 |
| Equity capital to assets | 12.0861% | 1,910 |
| Core capital (leverage) ratio | 12.0359% | 1,663 |
| Tier 1 risk-based capital ratio | 18.4022% | 1,756 |
| Total risk-based capital ratio | 18.9453% | 1,884 |
| Memoranda: | ||
| Average total assets | $111,711,500 | 4,071 |
| Average earning assets | $105,810,000 | 4,026 |
| Average equity | $12,629,750 | 4,081 |
| Average total loans | $64,485,500 | 4,115 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3777% | 1,887 |
| Cost of funding earning assets | 0.4912% | 2,247 |
| Net interest margin | 3.8865% | 1,984 |
| Noninterest income to average assets | 0.4011% | 3,685 |
| Noninterest expense to average assets | 2.4351% | 3,953 |
| Loan and lease loss provision to assets | 0.0267% | 3,466 |
| Net operating income to assets | 1.6205% | 665 |
| Return on assets (ROA) | 1.6205% | 692 |
| Pretax return on assets | 1.6205% | 1,280 |
| Return on Equity (ROE) | 14.6648% | 711 |
| Retained earnings to average equity (ytd only) | 13.2451% | 235 |
| Net charge-offs to loans | 0.1614% | 1,199 |
| Credit loss provision to net charge-offs | 29.4118% | 2,726 |
| Earnings coverage of net charge-offs (x) | 18.1176% | 1,898 |
| Efficiency ratio | 59.6507% | 4,370 |
| Assets per employee ($millions) | 5.6104% | 1,778 |
| Cash dividends to net income (ytd only)* | 9.6810% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5650% | 5,433 |
| Loan loss allowance to noncurrent loans | 57.5851% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 0.5757% | 2,839 |
| Noncurrent loans to loans | 0.9811% | 2,000 |
| Net loans and leases to total assets | 58.3475% | 3,989 |
| Net loans and leases to deposits | 67.3186% | 4,124 |
| Net loans and leases to core deposits | 71.0333% | 4,158 |
| Total domestic deposits to total assets | 86.6737% | 2,102 |
| Equity capital to assets | 11.6205% | 2,214 |
| Core capital (leverage) ratio | 11.6041% | 1,890 |
| Tier 1 risk-based capital ratio | 18.0803% | 1,834 |
| Total risk-based capital ratio | 18.5977% | 2,010 |
| Memoranda: | ||
| Average total assets | $112,190,330 | 4,094 |
| Average earning assets | $106,264,670 | 4,041 |
| Average equity | $12,397,000 | 4,127 |
| Average total loans | $63,211,000 | 4,167 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2921% | 1,973 |
| Cost of funding earning assets | 0.4974% | 2,111 |
| Net interest margin | 3.7946% | 2,130 |
| Noninterest income to average assets | 0.3708% | 3,884 |
| Noninterest expense to average assets | 2.4425% | 3,987 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5190% | 783 |
| Return on assets (ROA) | 1.5190% | 810 |
| Pretax return on assets | 1.5190% | 1,476 |
| Return on Equity (ROE) | 14.1106% | 785 |
| Retained earnings to average equity (ytd only) | 12.6532% | 411 |
| Net charge-offs to loans | 0.2585% | 701 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 10.6500% | 1,926 |
| Efficiency ratio | 61.6562% | 4,202 |
| Assets per employee ($millions) | 5.5905% | 1,809 |
| Cash dividends to net income (ytd only)* | 10.3286% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5859% | 5,504 |
| Loan loss allowance to noncurrent loans | 220.3593% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.1494% | 4,658 |
| Noncurrent loans to loans | 0.2659% | 4,160 |
| Net loans and leases to total assets | 55.8438% | 4,194 |
| Net loans and leases to deposits | 63.9547% | 4,313 |
| Net loans and leases to core deposits | 67.1568% | 4,339 |
| Total domestic deposits to total assets | 87.3178% | 2,065 |
| Equity capital to assets | 11.0858% | 2,549 |
| Core capital (leverage) ratio | 11.8495% | 1,719 |
| Tier 1 risk-based capital ratio | 18.1147% | 1,831 |
| Total risk-based capital ratio | 18.6457% | 2,014 |
| Memoranda: | ||
| Average total assets | $112,182,000 | 4,127 |
| Average earning assets | $106,149,500 | 4,082 |
| Average equity | $12,076,000 | 4,201 |
| Average total loans | $61,895,500 | 4,247 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6869% | 1,085 |
| Cost of funding earning assets | 0.5452% | 1,745 |
| Net interest margin | 4.1417% | 1,269 |
| Noninterest income to average assets | 0.5115% | 3,165 |
| Noninterest expense to average assets | 2.6773% | 3,427 |
| Loan and lease loss provision to assets | 0.0387% | 3,601 |
| Net operating income to assets | 1.7303% | 507 |
| Return on assets (ROA) | 1.7303% | 535 |
| Pretax return on assets | 1.7303% | 930 |
| Return on Equity (ROE) | 14.3226% | 725 |
| Retained earnings to average equity (ytd only) | 2.3142% | 4,211 |
| Net charge-offs to loans | 0.2860% | 962 |
| Credit loss provision to net charge-offs | 23.8095% | 3,645 |
| Earnings coverage of net charge-offs (x) | 10.8968% | 2,589 |
| Efficiency ratio | 60.2144% | 4,548 |
| Assets per employee ($millions) | 5.6277% | 1,764 |
| Cash dividends to net income (ytd only)* | 83.8421% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6690% | 5,415 |
| Loan loss allowance to noncurrent loans | 293.5252% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.1235% | 4,820 |
| Noncurrent loans to loans | 0.2279% | 4,333 |
| Net loans and leases to total assets | 53.8195% | 4,452 |
| Net loans and leases to deposits | 61.2033% | 4,598 |
| Net loans and leases to core deposits | 64.2423% | 4,619 |
| Total domestic deposits to total assets | 87.9356% | 1,661 |
| Equity capital to assets | 10.4457% | 3,218 |
| Core capital (leverage) ratio | 9.8779% | 3,655 |
| Tier 1 risk-based capital ratio | 17.8791% | 1,883 |
| Total risk-based capital ratio | 18.4771% | 2,042 |
| Memoranda: | ||
| Average total assets | $77,616,600 | 4,775 |
| Average earning assets | $73,737,000 | 4,721 |
| Average equity | $9,376,800 | 4,672 |
| Average total loans | $44,051,400 | 4,749 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8921% | 738 |
| Cost of funding earning assets | 0.5797% | 1,488 |
| Net interest margin | 4.3124% | 906 |
| Noninterest income to average assets | 0.3426% | 4,333 |
| Noninterest expense to average assets | 2.6015% | 3,652 |
| Loan and lease loss provision to assets | 0.0387% | 3,466 |
| Net operating income to assets | 1.8059% | 487 |
| Return on assets (ROA) | 1.8059% | 515 |
| Pretax return on assets | 1.8059% | 894 |
| Return on Equity (ROE) | 14.1654% | 789 |
| Retained earnings to average equity (ytd only) | 12.1765% | 283 |
| Net charge-offs to loans | 0.4052% | 530 |
| Credit loss provision to net charge-offs | 16.5289% | 3,315 |
| Earnings coverage of net charge-offs (x) | 7.8760% | 2,832 |
| Efficiency ratio | 58.5111% | 4,749 |
| Assets per employee ($millions) | 5.6754% | 1,696 |
| Cash dividends to net income (ytd only)* | 14.0405% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 4,549 |
| Loan loss allowance to noncurrent loans | 241.3174% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.2452% | 4,456 |
| Noncurrent loans to loans | 0.4028% | 3,834 |
| Net loans and leases to total assets | 60.2907% | 3,836 |
| Net loans and leases to deposits | 74.5317% | 3,544 |
| Net loans and leases to core deposits | 79.4739% | 3,502 |
| Total domestic deposits to total assets | 80.8927% | 4,270 |
| Equity capital to assets | 13.5643% | 1,216 |
| Core capital (leverage) ratio | 13.4309% | 1,026 |
| Tier 1 risk-based capital ratio | 20.1585% | 1,416 |
| Total risk-based capital ratio | 21.0554% | 1,446 |
| Memoranda: | ||
| Average total assets | $68,882,250 | 5,000 |
| Average earning assets | $65,546,250 | 4,946 |
| Average equity | $8,781,750 | 4,843 |
| Average total loans | $39,818,250 | 4,929 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8292% | 831 |
| Cost of funding earning assets | 0.5805% | 1,469 |
| Net interest margin | 4.2487% | 1,021 |
| Noninterest income to average assets | 0.3355% | 4,383 |
| Noninterest expense to average assets | 2.5282% | 3,959 |
| Loan and lease loss provision to assets | 0.0145% | 3,819 |
| Net operating income to assets | 1.8368% | 449 |
| Return on assets (ROA) | 1.8368% | 473 |
| Pretax return on assets | 1.8368% | 810 |
| Return on Equity (ROE) | 14.7167% | 718 |
| Retained earnings to average equity (ytd only) | 12.6772% | 253 |
| Net charge-offs to loans | 0.4482% | 505 |
| Credit loss provision to net charge-offs | 5.6818% | 3,026 |
| Earnings coverage of net charge-offs (x) | 7.2727% | 2,642 |
| Efficiency ratio | 57.7279% | 4,942 |
| Assets per employee ($millions) | 6.1195% | 1,321 |
| Cash dividends to net income (ytd only)* | 13.8583% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 4,152 |
| Loan loss allowance to noncurrent loans | 345.0820% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 4,594 |
| Noncurrent loans to loans | 0.3081% | 4,262 |
| Net loans and leases to total assets | 58.2025% | 4,096 |
| Net loans and leases to deposits | 69.6627% | 4,012 |
| Net loans and leases to core deposits | 75.3370% | 3,881 |
| Total domestic deposits to total assets | 83.5490% | 3,444 |
| Equity capital to assets | 13.3388% | 1,312 |
| Core capital (leverage) ratio | 13.0850% | 1,120 |
| Tier 1 risk-based capital ratio | 20.1479% | 1,431 |
| Total risk-based capital ratio | 21.1115% | 1,450 |
| Memoranda: | ||
| Average total assets | $69,141,330 | 5,043 |
| Average earning assets | $65,808,000 | 4,984 |
| Average equity | $8,629,670 | 4,901 |
| Average total loans | $39,269,670 | 4,993 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8383% | 784 |
| Cost of funding earning assets | 0.5950% | 1,360 |
| Net interest margin | 4.2433% | 1,011 |
| Noninterest income to average assets | 0.3483% | 4,240 |
| Noninterest expense to average assets | 2.5123% | 4,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8671% | 423 |
| Return on assets (ROA) | 1.8671% | 453 |
| Pretax return on assets | 1.8671% | 742 |
| Return on Equity (ROE) | 15.4701% | 609 |
| Retained earnings to average equity (ytd only) | 13.3885% | 360 |
| Net charge-offs to loans | 0.4398% | 518 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 7.6047% | 2,140 |
| Efficiency ratio | 57.3664% | 5,066 |
| Assets per employee ($millions) | 5.3908% | 1,933 |
| Cash dividends to net income (ytd only)* | 13.4557% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 3,539 |
| Loan loss allowance to noncurrent loans | 180.0781% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.4081% | 3,957 |
| Noncurrent loans to loans | 0.6609% | 3,191 |
| Net loans and leases to total assets | 54.6154% | 4,391 |
| Net loans and leases to deposits | 64.4339% | 4,399 |
| Net loans and leases to core deposits | 70.1316% | 4,236 |
| Total domestic deposits to total assets | 84.7619% | 3,225 |
| Equity capital to assets | 12.3200% | 1,814 |
| Core capital (leverage) ratio | 12.3056% | 1,431 |
| Tier 1 risk-based capital ratio | 19.6447% | 1,582 |
| Total risk-based capital ratio | 20.7054% | 1,590 |
| Memoranda: | ||
| Average total assets | $70,054,500 | 5,068 |
| Average earning assets | $66,552,500 | 5,008 |
| Average equity | $8,455,000 | 4,961 |
| Average total loans | $39,104,500 | 5,044 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7031% | 1,099 |
| Cost of funding earning assets | 0.6160% | 1,271 |
| Net interest margin | 4.0872% | 1,445 |
| Noninterest income to average assets | 0.4502% | 3,664 |
| Noninterest expense to average assets | 2.6604% | 3,730 |
| Loan and lease loss provision to assets | 0.0283% | 3,804 |
| Net operating income to assets | 1.6509% | 629 |
| Return on assets (ROA) | 1.6509% | 648 |
| Pretax return on assets | 1.6509% | 1,110 |
| Return on Equity (ROE) | 13.7601% | 895 |
| Retained earnings to average equity (ytd only) | 2.0534% | 4,561 |
| Net charge-offs to loans | 0.0160% | 3,970 |
| Credit loss provision to net charge-offs | 333.3333% | 897 |
| Earnings coverage of net charge-offs (x) | 197.6667% | 338 |
| Efficiency ratio | 61.3051% | 4,713 |
| Assets per employee ($millions) | 5.3868% | 1,914 |
| Cash dividends to net income (ytd only)* | 85.0772% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 3,026 |
| Loan loss allowance to noncurrent loans | 181.9495% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.3956% | 4,015 |
| Noncurrent loans to loans | 0.7017% | 3,089 |
| Net loans and leases to total assets | 55.6477% | 4,324 |
| Net loans and leases to deposits | 65.3787% | 4,364 |
| Net loans and leases to core deposits | 70.6331% | 4,256 |
| Total domestic deposits to total assets | 85.1160% | 3,036 |
| Equity capital to assets | 11.8181% | 2,096 |
| Core capital (leverage) ratio | 11.7192% | 1,807 |
| Tier 1 risk-based capital ratio | 18.3988% | 1,857 |
| Total risk-based capital ratio | 19.5221% | 1,851 |
| Memoranda: | ||
| Average total assets | $70,629,400 | 5,080 |
| Average earning assets | $67,210,400 | 5,006 |
| Average equity | $8,473,800 | 4,963 |
| Average total loans | $37,514,400 | 5,101 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6613% | 1,178 |
| Cost of funding earning assets | 0.6195% | 1,283 |
| Net interest margin | 4.0418% | 1,579 |
| Noninterest income to average assets | 0.3880% | 4,165 |
| Noninterest expense to average assets | 2.5129% | 4,158 |
| Loan and lease loss provision to assets | 0.0188% | 3,896 |
| Net operating income to assets | 1.7029% | 621 |
| Return on assets (ROA) | 1.7029% | 644 |
| Pretax return on assets | 1.7029% | 1,096 |
| Return on Equity (ROE) | 14.1413% | 873 |
| Retained earnings to average equity (ytd only) | 12.0765% | 358 |
| Net charge-offs to loans | 0.0180% | 3,589 |
| Credit loss provision to net charge-offs | 200.0000% | 1,330 |
| Earnings coverage of net charge-offs (x) | 182.7046% | 393 |
| Efficiency ratio | 59.3416% | 4,966 |
| Assets per employee ($millions) | 5.8015% | 1,506 |
| Cash dividends to net income (ytd only)* | 14.6022% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 3,145 |
| Loan loss allowance to noncurrent loans | 412.5000% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.4654% | 3,935 |
| Noncurrent loans to loans | 0.3132% | 4,474 |
| Net loans and leases to total assets | 54.3293% | 4,533 |
| Net loans and leases to deposits | 65.0260% | 4,464 |
| Net loans and leases to core deposits | 70.8336% | 4,290 |
| Total domestic deposits to total assets | 83.5502% | 3,591 |
| Equity capital to assets | 12.8429% | 1,534 |
| Core capital (leverage) ratio | 12.6875% | 1,324 |
| Tier 1 risk-based capital ratio | 20.0666% | 1,529 |
| Total risk-based capital ratio | 21.1884% | 1,525 |
| Memoranda: | ||
| Average total assets | $70,779,750 | 5,134 |
| Average earning assets | $67,360,750 | 5,062 |
| Average equity | $8,523,250 | 5,014 |
| Average total loans | $37,024,750 | 5,171 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5829% | 1,320 |
| Cost of funding earning assets | 0.6164% | 1,305 |
| Net interest margin | 3.9665% | 1,753 |
| Noninterest income to average assets | 0.3625% | 4,349 |
| Noninterest expense to average assets | 2.5068% | 4,222 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.6356% | 701 |
| Return on assets (ROA) | 1.6356% | 728 |
| Pretax return on assets | 1.6356% | 1,239 |
| Return on Equity (ROE) | 13.8836% | 927 |
| Retained earnings to average equity (ytd only) | 11.7844% | 416 |
| Net charge-offs to loans | 0.0055% | 3,709 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 582.0000% | 114 |
| Efficiency ratio | 60.5156% | 4,910 |
| Assets per employee ($millions) | 5.8258% | 1,478 |
| Cash dividends to net income (ytd only)* | 15.1203% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3542% | 2,969 |
| Loan loss allowance to noncurrent loans | 660.8108% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.2889% | 4,718 |
| Noncurrent loans to loans | 0.2049% | 4,950 |
| Net loans and leases to total assets | 50.9534% | 4,852 |
| Net loans and leases to deposits | 60.5913% | 4,802 |
| Net loans and leases to core deposits | 65.9856% | 4,656 |
| Total domestic deposits to total assets | 84.0936% | 3,528 |
| Equity capital to assets | 12.3217% | 1,789 |
| Core capital (leverage) ratio | 12.0595% | 1,616 |
| Tier 1 risk-based capital ratio | 20.1537% | 1,517 |
| Total risk-based capital ratio | 21.3028% | 1,502 |
| Memoranda: | ||
| Average total assets | $71,167,000 | 5,179 |
| Average earning assets | $67,818,000 | 5,105 |
| Average equity | $8,384,000 | 5,076 |
| Average total loans | $36,593,670 | 5,237 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5506% | 1,335 |
| Cost of funding earning assets | 0.6142% | 1,336 |
| Net interest margin | 3.9364% | 1,766 |
| Noninterest income to average assets | 0.3120% | 4,696 |
| Noninterest expense to average assets | 2.6185% | 3,868 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4430% | 954 |
| Return on assets (ROA) | 1.4430% | 1,013 |
| Pretax return on assets | 1.4430% | 1,742 |
| Return on Equity (ROE) | 12.5287% | 1,210 |
| Retained earnings to average equity (ytd only) | 10.4003% | 829 |
| Net charge-offs to loans | 0.0326% | 2,540 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 86.3333% | 555 |
| Efficiency ratio | 64.4719% | 4,405 |
| Assets per employee ($millions) | 6.0123% | 1,394 |
| Cash dividends to net income (ytd only)* | 16.9884% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3661% | 3,075 |
| Loan loss allowance to noncurrent loans | 158.1169% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.6043% | 3,670 |
| Noncurrent loans to loans | 0.8640% | 3,084 |
| Net loans and leases to total assets | 48.7373% | 4,958 |
| Net loans and leases to deposits | 57.4155% | 4,955 |
| Net loans and leases to core deposits | 62.3247% | 4,821 |
| Total domestic deposits to total assets | 84.8852% | 3,463 |
| Equity capital to assets | 11.6912% | 2,303 |
| Core capital (leverage) ratio | 11.5364% | 1,971 |
| Tier 1 risk-based capital ratio | 19.6174% | 1,709 |
| Total risk-based capital ratio | 20.7689% | 1,687 |
| Memoranda: | ||
| Average total assets | $71,796,000 | 5,203 |
| Average earning assets | $68,387,000 | 5,135 |
| Average equity | $8,269,000 | 5,143 |
| Average total loans | $36,835,500 | 5,259 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9691% | 826 |
| Cost of funding earning assets | 0.6500% | 1,408 |
| Net interest margin | 4.3191% | 1,024 |
| Noninterest income to average assets | 0.3714% | 4,420 |
| Noninterest expense to average assets | 2.5533% | 4,384 |
| Loan and lease loss provision to assets | 0.0723% | 3,035 |
| Net operating income to assets | 1.8529% | 424 |
| Return on assets (ROA) | 1.8529% | 441 |
| Pretax return on assets | 1.8529% | 709 |
| Return on Equity (ROE) | 15.7508% | 654 |
| Retained earnings to average equity (ytd only) | 2.3379% | 4,563 |
| Net charge-offs to loans | 0.1589% | 2,447 |
| Credit loss provision to net charge-offs | 89.4737% | 2,657 |
| Earnings coverage of net charge-offs (x) | 23.8246% | 1,564 |
| Efficiency ratio | 57.0117% | 5,566 |
| Assets per employee ($millions) | 5.9537% | 1,414 |
| Cash dividends to net income (ytd only)* | 85.1568% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 3,491 |
| Loan loss allowance to noncurrent loans | 280.0000% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.4255% | 4,400 |
| Noncurrent loans to loans | 0.4603% | 4,270 |
| Net loans and leases to total assets | 52.5321% | 4,737 |
| Net loans and leases to deposits | 61.7896% | 4,745 |
| Net loans and leases to core deposits | 67.1191% | 4,586 |
| Total domestic deposits to total assets | 85.0176% | 3,274 |
| Equity capital to assets | 11.3418% | 2,569 |
| Core capital (leverage) ratio | 11.4474% | 2,016 |
| Tier 1 risk-based capital ratio | 18.2636% | 2,063 |
| Total risk-based capital ratio | 19.3709% | 2,061 |
| Memoranda: | ||
| Average total assets | $70,536,200 | 5,267 |
| Average earning assets | $67,074,600 | 5,195 |
| Average equity | $8,298,000 | 5,129 |
| Average total loans | $35,879,200 | 5,334 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0020% | 770 |
| Cost of funding earning assets | 0.6557% | 1,420 |
| Net interest margin | 4.3464% | 962 |
| Noninterest income to average assets | 0.3489% | 4,651 |
| Noninterest expense to average assets | 2.3723% | 4,907 |
| Loan and lease loss provision to assets | 0.0133% | 4,153 |
| Net operating income to assets | 2.0992% | 283 |
| Return on assets (ROA) | 2.0992% | 294 |
| Pretax return on assets | 2.0992% | 462 |
| Return on Equity (ROE) | 17.6831% | 472 |
| Retained earnings to average equity (ytd only) | 15.5746% | 181 |
| Net charge-offs to loans | 0.1434% | 2,363 |
| Credit loss provision to net charge-offs | 18.4211% | 3,596 |
| Earnings coverage of net charge-offs (x) | 29.3132% | 1,390 |
| Efficiency ratio | 52.8964% | 5,932 |
| Assets per employee ($millions) | 5.3360% | 1,872 |
| Cash dividends to net income (ytd only)* | 11.9244% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 3,947 |
| Loan loss allowance to noncurrent loans | 400.8621% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.3791% | 4,787 |
| Noncurrent loans to loans | 0.3119% | 4,974 |
| Net loans and leases to total assets | 52.9423% | 4,706 |
| Net loans and leases to deposits | 64.2191% | 4,513 |
| Net loans and leases to core deposits | 68.8443% | 4,428 |
| Total domestic deposits to total assets | 82.4400% | 4,322 |
| Equity capital to assets | 12.7523% | 1,553 |
| Core capital (leverage) ratio | 12.6904% | 1,309 |
| Tier 1 risk-based capital ratio | 20.3593% | 1,586 |
| Total risk-based capital ratio | 21.4274% | 1,594 |
| Memoranda: | ||
| Average total assets | $70,309,250 | 5,335 |
| Average earning assets | $66,904,500 | 5,258 |
| Average equity | $8,346,750 | 5,160 |
| Average total loans | $35,343,750 | 5,404 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9482% | 819 |
| Cost of funding earning assets | 0.6522% | 1,497 |
| Net interest margin | 4.2959% | 1,035 |
| Noninterest income to average assets | 0.3540% | 4,594 |
| Noninterest expense to average assets | 2.2995% | 5,156 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.1579% | 246 |
| Return on assets (ROA) | 2.1579% | 260 |
| Pretax return on assets | 2.1579% | 396 |
| Return on Equity (ROE) | 18.6301% | 396 |
| Retained earnings to average equity (ytd only) | 16.4786% | 157 |
| Net charge-offs to loans | 0.0921% | 2,765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 47.6250% | 942 |
| Efficiency ratio | 51.5883% | 6,094 |
| Assets per employee ($millions) | 5.8138% | 1,410 |
| Cash dividends to net income (ytd only)* | 11.5486% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3359% | 3,658 |
| Loan loss allowance to noncurrent loans | 857.1429% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.3168% | 5,106 |
| Noncurrent loans to loans | 0.1559% | 5,545 |
| Net loans and leases to total assets | 50.8134% | 4,875 |
| Net loans and leases to deposits | 60.9159% | 4,790 |
| Net loans and leases to core deposits | 65.2194% | 4,714 |
| Total domestic deposits to total assets | 83.4158% | 4,143 |
| Equity capital to assets | 12.2798% | 1,790 |
| Core capital (leverage) ratio | 12.0559% | 1,623 |
| Tier 1 risk-based capital ratio | 19.8700% | 1,717 |
| Total risk-based capital ratio | 20.9840% | 1,717 |
| Memoranda: | ||
| Average total assets | $70,623,000 | 5,370 |
| Average earning assets | $67,459,330 | 5,285 |
| Average equity | $8,180,330 | 5,216 |
| Average total loans | $34,728,330 | 5,466 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9555% | 783 |
| Cost of funding earning assets | 0.6584% | 1,528 |
| Net interest margin | 4.2971% | 1,001 |
| Noninterest income to average assets | 0.3209% | 4,800 |
| Noninterest expense to average assets | 2.2575% | 5,310 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.1787% | 246 |
| Return on assets (ROA) | 2.1787% | 260 |
| Pretax return on assets | 2.1787% | 367 |
| Return on Equity (ROE) | 19.3815% | 335 |
| Retained earnings to average equity (ytd only) | 17.1779% | 212 |
| Net charge-offs to loans | 0.0117% | 3,384 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 387.0000% | 122 |
| Efficiency ratio | 50.8883% | 6,201 |
| Assets per employee ($millions) | 5.9518% | 1,338 |
| Cash dividends to net income (ytd only)* | 11.3695% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4653% | 3,307 |
| Loan loss allowance to noncurrent loans | 568.9655% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.3528% | 5,104 |
| Noncurrent loans to loans | 0.2575% | 5,330 |
| Net loans and leases to total assets | 46.6053% | 5,265 |
| Net loans and leases to deposits | 55.2300% | 5,179 |
| Net loans and leases to core deposits | 59.2889% | 5,106 |
| Total domestic deposits to total assets | 84.3841% | 4,129 |
| Equity capital to assets | 11.4644% | 2,285 |
| Core capital (leverage) ratio | 11.6154% | 1,888 |
| Tier 1 risk-based capital ratio | 19.7571% | 1,778 |
| Total risk-based capital ratio | 20.9452% | 1,765 |
| Memoranda: | ||
| Average total assets | $71,052,000 | 5,406 |
| Average earning assets | $68,045,500 | 5,317 |
| Average equity | $7,987,000 | 5,294 |
| Average total loans | $34,127,500 | 5,536 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9038% | 1,088 |
| Cost of funding earning assets | 0.8242% | 1,073 |
| Net interest margin | 4.0796% | 1,705 |
| Noninterest income to average assets | 0.3067% | 5,148 |
| Noninterest expense to average assets | 2.3763% | 5,141 |
| Loan and lease loss provision to assets | 0.1266% | 2,729 |
| Net operating income to assets | 1.6756% | 608 |
| Return on assets (ROA) | 1.6756% | 620 |
| Pretax return on assets | 1.6756% | 1,001 |
| Return on Equity (ROE) | 14.6246% | 826 |
| Retained earnings to average equity (ytd only) | 2.0261% | 4,796 |
| Net charge-offs to loans | -0.0161% | 6,099 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8687% | 5,868 |
| Assets per employee ($millions) | 5.8903% | 1,341 |
| Cash dividends to net income (ytd only)* | 86.1461% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 3,473 |
| Loan loss allowance to noncurrent loans | 241.9512% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.5249% | 4,669 |
| Noncurrent loans to loans | 0.5947% | 4,499 |
| Net loans and leases to total assets | 48.0710% | 5,285 |
| Net loans and leases to deposits | 56.8299% | 5,228 |
| Net loans and leases to core deposits | 61.6538% | 5,093 |
| Total domestic deposits to total assets | 84.5875% | 3,930 |
| Equity capital to assets | 11.0154% | 2,600 |
| Core capital (leverage) ratio | 11.0667% | 2,328 |
| Tier 1 risk-based capital ratio | 18.1396% | 2,204 |
| Total risk-based capital ratio | 19.2802% | 2,208 |
| Memoranda: | ||
| Average total assets | $71,077,800 | 5,437 |
| Average earning assets | $67,458,000 | 5,359 |
| Average equity | $8,143,800 | 5,299 |
| Average total loans | $31,098,400 | 5,708 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8070% | 1,332 |
| Cost of funding earning assets | 0.8348% | 1,125 |
| Net interest margin | 3.9722% | 2,036 |
| Noninterest income to average assets | 0.3016% | 5,286 |
| Noninterest expense to average assets | 2.2554% | 5,464 |
| Loan and lease loss provision to assets | 0.0749% | 3,556 |
| Net operating income to assets | 1.7327% | 601 |
| Return on assets (ROA) | 1.7327% | 622 |
| Pretax return on assets | 1.7327% | 1,031 |
| Return on Equity (ROE) | 14.9795% | 800 |
| Retained earnings to average equity (ytd only) | 12.8420% | 346 |
| Net charge-offs to loans | 0.0132% | 4,872 |
| Credit loss provision to net charge-offs | 1,333.3333% | 241 |
| Earnings coverage of net charge-offs (x) | 321.6575% | 180 |
| Efficiency ratio | 55.5095% | 5,972 |
| Assets per employee ($millions) | 5.9313% | 1,287 |
| Cash dividends to net income (ytd only)* | 14.2707% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3516% | 4,124 |
| Loan loss allowance to noncurrent loans | 142.6710% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.7854% | 4,140 |
| Noncurrent loans to loans | 0.9474% | 3,924 |
| Net loans and leases to total assets | 44.9146% | 5,636 |
| Net loans and leases to deposits | 53.8381% | 5,553 |
| Net loans and leases to core deposits | 58.4745% | 5,414 |
| Total domestic deposits to total assets | 83.4254% | 4,404 |
| Equity capital to assets | 11.9410% | 1,951 |
| Core capital (leverage) ratio | 12.0865% | 1,621 |
| Tier 1 risk-based capital ratio | 20.3878% | 1,631 |
| Total risk-based capital ratio | 21.4364% | 1,665 |
| Memoranda: | ||
| Average total assets | $71,176,500 | 5,494 |
| Average earning assets | $67,399,500 | 5,421 |
| Average equity | $8,233,250 | 5,330 |
| Average total loans | $30,254,500 | 5,801 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7504% | 1,442 |
| Cost of funding earning assets | 0.8373% | 1,217 |
| Net interest margin | 3.9131% | 2,178 |
| Noninterest income to average assets | 0.3091% | 5,231 |
| Noninterest expense to average assets | 2.2507% | 5,497 |
| Loan and lease loss provision to assets | 0.1124% | 2,935 |
| Net operating income to assets | 1.6494% | 684 |
| Return on assets (ROA) | 1.6494% | 752 |
| Pretax return on assets | 1.6494% | 1,234 |
| Return on Equity (ROE) | 14.4143% | 925 |
| Retained earnings to average equity (ytd only) | 12.2534% | 454 |
| Net charge-offs to loans | -0.0474% | 6,248 |
| Credit loss provision to net charge-offs | -571.4286% | 5,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0924% | 5,956 |
| Assets per employee ($millions) | 5.8266% | 1,331 |
| Cash dividends to net income (ytd only)* | 14.9915% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4615% | 3,759 |
| Loan loss allowance to noncurrent loans | 147.3684% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.7795% | 4,274 |
| Noncurrent loans to loans | 0.9917% | 3,952 |
| Net loans and leases to total assets | 43.2000% | 5,808 |
| Net loans and leases to deposits | 49.3231% | 5,896 |
| Net loans and leases to core deposits | 53.6806% | 5,775 |
| Total domestic deposits to total assets | 87.5856% | 2,498 |
| Equity capital to assets | 11.7321% | 2,099 |
| Core capital (leverage) ratio | 11.5697% | 1,880 |
| Tier 1 risk-based capital ratio | 20.7307% | 1,564 |
| Total risk-based capital ratio | 21.8603% | 1,555 |
| Memoranda: | ||
| Average total assets | $71,177,000 | 5,534 |
| Average earning assets | $67,363,000 | 5,465 |
| Average equity | $8,144,670 | 5,394 |
| Average total loans | $29,537,330 | 5,866 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7073% | 1,515 |
| Cost of funding earning assets | 0.8376% | 1,323 |
| Net interest margin | 3.8697% | 2,217 |
| Noninterest income to average assets | 0.2785% | 5,463 |
| Noninterest expense to average assets | 2.1725% | 5,758 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7603% | 507 |
| Return on assets (ROA) | 1.7603% | 561 |
| Pretax return on assets | 1.7603% | 952 |
| Return on Equity (ROE) | 15.5751% | 669 |
| Retained earnings to average equity (ytd only) | 13.4064% | 504 |
| Net charge-offs to loans | -0.0966% | 6,428 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2408% | 6,133 |
| Assets per employee ($millions) | 6.0264% | 1,240 |
| Cash dividends to net income (ytd only)* | 13.9241% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4574% | 3,986 |
| Loan loss allowance to noncurrent loans | 94.4444% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.9306% | 4,067 |
| Noncurrent loans to loans | 1.5431% | 3,237 |
| Net loans and leases to total assets | 38.1487% | 6,140 |
| Net loans and leases to deposits | 43.1629% | 6,264 |
| Net loans and leases to core deposits | 46.8228% | 6,160 |
| Total domestic deposits to total assets | 88.3831% | 2,076 |
| Equity capital to assets | 11.3887% | 2,538 |
| Core capital (leverage) ratio | 11.1792% | 2,113 |
| Tier 1 risk-based capital ratio | 20.7323% | 1,608 |
| Total risk-based capital ratio | 21.7903% | 1,616 |
| Memoranda: | ||
| Average total assets | $71,806,000 | 5,568 |
| Average earning assets | $67,809,000 | 5,503 |
| Average equity | $8,115,500 | 5,455 |
| Average total loans | $28,979,500 | 5,936 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9931% | 1,574 |
| Cost of funding earning assets | 1.0016% | 1,349 |
| Net interest margin | 3.9915% | 2,423 |
| Noninterest income to average assets | 0.3126% | 5,221 |
| Noninterest expense to average assets | 2.3982% | 5,412 |
| Loan and lease loss provision to assets | 0.0923% | 4,524 |
| Net operating income to assets | 1.6040% | 754 |
| Return on assets (ROA) | 1.6040% | 834 |
| Pretax return on assets | 1.6040% | 1,376 |
| Return on Equity (ROE) | 14.0116% | 988 |
| Retained earnings to average equity (ytd only) | 2.3208% | 4,603 |
| Net charge-offs to loans | 0.3504% | 2,882 |
| Credit loss provision to net charge-offs | 61.9048% | 4,396 |
| Earnings coverage of net charge-offs (x) | 11.3714% | 2,038 |
| Efficiency ratio | 58.5704% | 5,752 |
| Assets per employee ($millions) | 5.9413% | 1,326 |
| Cash dividends to net income (ytd only)* | 83.4367% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3383% | 4,462 |
| Loan loss allowance to noncurrent loans | 219.1257% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.5947% | 4,989 |
| Noncurrent loans to loans | 0.6108% | 4,987 |
| Net loans and leases to total assets | 41.4643% | 6,049 |
| Net loans and leases to deposits | 46.8829% | 6,184 |
| Net loans and leases to core deposits | 50.6043% | 6,115 |
| Total domestic deposits to total assets | 88.4424% | 1,931 |
| Equity capital to assets | 11.2140% | 2,715 |
| Core capital (leverage) ratio | 10.8480% | 2,391 |
| Tier 1 risk-based capital ratio | 19.3535% | 1,850 |
| Total risk-based capital ratio | 20.3584% | 1,903 |
| Memoranda: | ||
| Average total assets | $70,387,000 | 5,622 |
| Average earning assets | $66,692,000 | 5,525 |
| Average equity | $8,057,600 | 5,486 |
| Average total loans | $29,964,000 | 5,950 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0092% | 1,674 |
| Cost of funding earning assets | 1.0384% | 1,349 |
| Net interest margin | 3.9708% | 2,619 |
| Noninterest income to average assets | 0.3155% | 5,255 |
| Noninterest expense to average assets | 2.3090% | 5,663 |
| Loan and lease loss provision to assets | 0.0760% | 4,693 |
| Net operating income to assets | 1.6875% | 697 |
| Return on assets (ROA) | 1.6875% | 781 |
| Pretax return on assets | 1.6875% | 1,301 |
| Return on Equity (ROE) | 14.6653% | 964 |
| Retained earnings to average equity (ytd only) | 12.4853% | 446 |
| Net charge-offs to loans | 0.3471% | 2,714 |
| Credit loss provision to net charge-offs | 51.2821% | 4,375 |
| Earnings coverage of net charge-offs (x) | 11.8971% | 2,043 |
| Efficiency ratio | 56.6962% | 5,967 |
| Assets per employee ($millions) | 6.4035% | 996 |
| Cash dividends to net income (ytd only)* | 14.8652% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 4,581 |
| Loan loss allowance to noncurrent loans | 270.4698% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.5792% | 5,216 |
| Noncurrent loans to loans | 0.4992% | 5,444 |
| Net loans and leases to total assets | 41.7999% | 6,146 |
| Net loans and leases to deposits | 47.8110% | 6,270 |
| Net loans and leases to core deposits | 51.7215% | 6,197 |
| Total domestic deposits to total assets | 87.4272% | 2,402 |
| Equity capital to assets | 12.1099% | 2,171 |
| Core capital (leverage) ratio | 11.9140% | 1,711 |
| Tier 1 risk-based capital ratio | 20.7761% | 1,580 |
| Total risk-based capital ratio | 21.7858% | 1,596 |
| Memoranda: | ||
| Average total assets | $70,160,000 | 5,693 |
| Average earning assets | $66,383,250 | 5,602 |
| Average equity | $8,073,250 | 5,539 |
| Average total loans | $29,964,250 | 6,022 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9551% | 1,916 |
| Cost of funding earning assets | 1.0878% | 1,269 |
| Net interest margin | 3.8673% | 3,054 |
| Noninterest income to average assets | 0.2997% | 5,409 |
| Noninterest expense to average assets | 2.3292% | 5,663 |
| Loan and lease loss provision to assets | 0.0428% | 5,139 |
| Net operating income to assets | 1.6013% | 831 |
| Return on assets (ROA) | 1.6013% | 928 |
| Pretax return on assets | 1.6013% | 1,544 |
| Return on Equity (ROE) | 14.1649% | 1,077 |
| Retained earnings to average equity (ytd only) | 11.9429% | 590 |
| Net charge-offs to loans | 0.4399% | 2,282 |
| Credit loss provision to net charge-offs | 22.7273% | 4,562 |
| Earnings coverage of net charge-offs (x) | 8.7273% | 2,252 |
| Efficiency ratio | 58.6207% | 5,787 |
| Assets per employee ($millions) | 6.3914% | 1,012 |
| Cash dividends to net income (ytd only)* | 15.6863% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 4,832 |
| Loan loss allowance to noncurrent loans | 170.3057% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.7980% | 4,805 |
| Noncurrent loans to loans | 0.7717% | 4,963 |
| Net loans and leases to total assets | 41.6514% | 6,208 |
| Net loans and leases to deposits | 47.3559% | 6,350 |
| Net loans and leases to core deposits | 50.9642% | 6,301 |
| Total domestic deposits to total assets | 87.9539% | 2,175 |
| Equity capital to assets | 11.6791% | 2,430 |
| Core capital (leverage) ratio | 11.3342% | 2,019 |
| Tier 1 risk-based capital ratio | 20.2826% | 1,643 |
| Total risk-based capital ratio | 21.2701% | 1,668 |
| Memoranda: | ||
| Average total assets | $70,067,330 | 5,731 |
| Average earning assets | $66,558,000 | 5,627 |
| Average equity | $7,921,000 | 5,597 |
| Average total loans | $30,003,670 | 6,066 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0004% | 1,883 |
| Cost of funding earning assets | 1.1758% | 1,080 |
| Net interest margin | 3.8245% | 3,268 |
| Noninterest income to average assets | 0.2688% | 5,727 |
| Noninterest expense to average assets | 2.3103% | 5,742 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5669% | 917 |
| Return on assets (ROA) | 1.5669% | 1,024 |
| Pretax return on assets | 1.5669% | 1,678 |
| Return on Equity (ROE) | 14.0947% | 1,169 |
| Retained earnings to average equity (ytd only) | 11.8313% | 846 |
| Net charge-offs to loans | 0.4508% | 1,963 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 8.0588% | 2,005 |
| Efficiency ratio | 59.5870% | 5,684 |
| Assets per employee ($millions) | 6.4983% | 981 |
| Cash dividends to net income (ytd only)* | 16.0584% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 4,570 |
| Loan loss allowance to noncurrent loans | 81.2375% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 1.0576% | 4,375 |
| Noncurrent loans to loans | 1.7355% | 3,505 |
| Net loans and leases to total assets | 39.8148% | 6,361 |
| Net loans and leases to deposits | 44.9038% | 6,499 |
| Net loans and leases to core deposits | 48.2283% | 6,446 |
| Total domestic deposits to total assets | 88.6669% | 1,905 |
| Equity capital to assets | 11.0477% | 2,850 |
| Core capital (leverage) ratio | 11.1130% | 2,178 |
| Tier 1 risk-based capital ratio | 19.9369% | 1,728 |
| Total risk-based capital ratio | 20.9816% | 1,744 |
| Memoranda: | ||
| Average total assets | $69,948,500 | 5,781 |
| Average earning assets | $65,995,000 | 5,686 |
| Average equity | $7,776,000 | 5,666 |
| Average total loans | $30,169,000 | 6,100 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2793% | 1,774 |
| Cost of funding earning assets | 1.4049% | 1,015 |
| Net interest margin | 3.8743% | 3,450 |
| Noninterest income to average assets | 0.3642% | 4,898 |
| Noninterest expense to average assets | 2.3734% | 5,843 |
| Loan and lease loss provision to assets | 0.0668% | 5,774 |
| Net operating income to assets | 1.6025% | 656 |
| Return on assets (ROA) | 1.6298% | 682 |
| Pretax return on assets | 1.6298% | 1,142 |
| Return on Equity (ROE) | 13.7979% | 978 |
| Retained earnings to average equity (ytd only) | 1.6059% | 5,065 |
| Net charge-offs to loans | 0.2404% | 4,275 |
| Credit loss provision to net charge-offs | 57.1429% | 5,239 |
| Earnings coverage of net charge-offs (x) | 14.2857% | 1,466 |
| Efficiency ratio | 58.7087% | 5,948 |
| Assets per employee ($millions) | 6.2196% | 1,089 |
| Cash dividends to net income (ytd only)* | 88.3613% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4013% | 4,455 |
| Loan loss allowance to noncurrent loans | 66.8182% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 1.6692% | 3,451 |
| Noncurrent loans to loans | 2.0972% | 3,069 |
| Net loans and leases to total assets | 45.3549% | 6,070 |
| Net loans and leases to deposits | 51.2952% | 6,269 |
| Net loans and leases to core deposits | 54.8030% | 6,245 |
| Total domestic deposits to total assets | 88.4194% | 1,898 |
| Equity capital to assets | 11.1889% | 2,809 |
| Core capital (leverage) ratio | 11.0255% | 2,254 |
| Tier 1 risk-based capital ratio | 18.6251% | 2,015 |
| Total risk-based capital ratio | 19.7148% | 2,023 |
| Memoranda: | ||
| Average total assets | $65,897,200 | 5,868 |
| Average earning assets | $62,565,600 | 5,789 |
| Average equity | $7,783,800 | 5,634 |
| Average total loans | $32,024,200 | 6,072 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3225% | 1,779 |
| Cost of funding earning assets | 1.4418% | 1,053 |
| Net interest margin | 3.8807% | 3,477 |
| Noninterest income to average assets | 0.3616% | 4,977 |
| Noninterest expense to average assets | 2.2818% | 6,083 |
| Loan and lease loss provision to assets | 0.0899% | 5,333 |
| Net operating income to assets | 1.6792% | 667 |
| Return on assets (ROA) | 1.6792% | 727 |
| Pretax return on assets | 1.6792% | 1,185 |
| Return on Equity (ROE) | 14.0221% | 1,035 |
| Retained earnings to average equity (ytd only) | 11.7705% | 520 |
| Net charge-offs to loans | 0.0995% | 4,993 |
| Credit loss provision to net charge-offs | 183.3333% | 1,615 |
| Earnings coverage of net charge-offs (x) | 36.0825% | 828 |
| Efficiency ratio | 56.3288% | 6,238 |
| Assets per employee ($millions) | 6.1227% | 1,139 |
| Cash dividends to net income (ytd only)* | 16.0588% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5338% | 3,945 |
| Loan loss allowance to noncurrent loans | 51.8363% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 1.5278% | 3,810 |
| Noncurrent loans to loans | 2.9590% | 2,353 |
| Net loans and leases to total assets | 47.0869% | 6,047 |
| Net loans and leases to deposits | 53.9796% | 6,215 |
| Net loans and leases to core deposits | 57.5460% | 6,164 |
| Total domestic deposits to total assets | 87.2309% | 2,506 |
| Equity capital to assets | 12.2212% | 2,076 |
| Core capital (leverage) ratio | 12.0359% | 1,685 |
| Tier 1 risk-based capital ratio | 20.3343% | 1,604 |
| Total risk-based capital ratio | 21.5743% | 1,578 |
| Memoranda: | ||
| Average total assets | $65,267,500 | 5,936 |
| Average earning assets | $62,049,500 | 5,841 |
| Average equity | $7,816,000 | 5,656 |
| Average total loans | $32,162,500 | 6,126 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3196% | 1,824 |
| Cost of funding earning assets | 1.4591% | 1,166 |
| Net interest margin | 3.8605% | 3,488 |
| Noninterest income to average assets | 0.3779% | 4,866 |
| Noninterest expense to average assets | 2.2889% | 6,159 |
| Loan and lease loss provision to assets | 0.1363% | 4,604 |
| Net operating income to assets | 1.6323% | 690 |
| Return on assets (ROA) | 1.6323% | 732 |
| Pretax return on assets | 1.6323% | 1,196 |
| Return on Equity (ROE) | 13.7281% | 1,038 |
| Retained earnings to average equity (ytd only) | 11.4358% | 601 |
| Net charge-offs to loans | -0.0311% | 6,930 |
| Credit loss provision to net charge-offs | -880.0000% | 6,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4122% | 6,378 |
| Assets per employee ($millions) | 6.0461% | 1,163 |
| Cash dividends to net income (ytd only)* | 16.6983% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6351% | 3,560 |
| Loan loss allowance to noncurrent loans | 49.7621% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 1.5893% | 3,813 |
| Noncurrent loans to loans | 3.2859% | 2,172 |
| Net loans and leases to total assets | 47.3063% | 6,119 |
| Net loans and leases to deposits | 53.9972% | 6,304 |
| Net loans and leases to core deposits | 57.2901% | 6,325 |
| Total domestic deposits to total assets | 87.6088% | 2,405 |
| Equity capital to assets | 11.9356% | 2,138 |
| Core capital (leverage) ratio | 11.9265% | 1,641 |
| Tier 1 risk-based capital ratio | 19.4983% | 1,717 |
| Total risk-based capital ratio | 20.7475% | 1,690 |
| Memoranda: | ||
| Average total assets | $64,573,330 | 5,998 |
| Average earning assets | $61,546,330 | 5,905 |
| Average equity | $7,677,670 | 5,712 |
| Average total loans | $32,147,670 | 6,182 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4817% | 1,346 |
| Cost of funding earning assets | 1.5245% | 1,073 |
| Net interest margin | 3.9572% | 2,884 |
| Noninterest income to average assets | 0.3710% | 4,941 |
| Noninterest expense to average assets | 2.2325% | 6,349 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.8929% | 407 |
| Return on assets (ROA) | 1.8929% | 431 |
| Pretax return on assets | 1.8929% | 689 |
| Return on Equity (ROE) | 15.9523% | 682 |
| Retained earnings to average equity (ytd only) | 13.6204% | 510 |
| Net charge-offs to loans | -0.0745% | 7,003 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1159% | 6,687 |
| Assets per employee ($millions) | 5.9769% | 1,212 |
| Cash dividends to net income (ytd only)* | 14.6179% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5295% | 4,055 |
| Loan loss allowance to noncurrent loans | 44.3213% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 1.6564% | 3,768 |
| Noncurrent loans to loans | 3.4510% | 2,169 |
| Net loans and leases to total assets | 47.0021% | 6,191 |
| Net loans and leases to deposits | 53.4396% | 6,349 |
| Net loans and leases to core deposits | 55.9464% | 6,416 |
| Total domestic deposits to total assets | 87.9536% | 2,396 |
| Equity capital to assets | 11.6768% | 2,136 |
| Core capital (leverage) ratio | 11.9432% | 1,591 |
| Tier 1 risk-based capital ratio | 20.1408% | 1,564 |
| Total risk-based capital ratio | 21.3937% | 1,525 |
| Memoranda: | ||
| Average total assets | $63,606,500 | 6,076 |
| Average earning assets | $60,346,000 | 5,983 |
| Average equity | $7,547,500 | 5,762 |
| Average total loans | $32,229,000 | 6,230 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4751% | 2,378 |
| Cost of funding earning assets | 1.4872% | 2,720 |
| Net interest margin | 3.9880% | 3,071 |
| Noninterest income to average assets | 0.3916% | 4,963 |
| Noninterest expense to average assets | 2.2296% | 6,543 |
| Loan and lease loss provision to assets | 0.2324% | 4,957 |
| Net operating income to assets | 1.7340% | 483 |
| Return on assets (ROA) | 1.7340% | 525 |
| Pretax return on assets | 1.7340% | 885 |
| Return on Equity (ROE) | 13.9142% | 899 |
| Retained earnings to average equity (ytd only) | 0.6781% | 5,232 |
| Net charge-offs to loans | 0.3422% | 4,300 |
| Credit loss provision to net charge-offs | 125.4386% | 3,248 |
| Earnings coverage of net charge-offs (x) | 10.6140% | 1,687 |
| Efficiency ratio | 53.1371% | 6,881 |
| Assets per employee ($millions) | 6.1467% | 1,112 |
| Cash dividends to net income (ytd only)* | 95.1265% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4331% | 4,361 |
| Loan loss allowance to noncurrent loans | 47.0705% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 1.6692% | 3,800 |
| Noncurrent loans to loans | 3.0445% | 2,508 |
| Net loans and leases to total assets | 53.0398% | 5,777 |
| Net loans and leases to deposits | 60.6650% | 5,982 |
| Net loans and leases to core deposits | 63.7343% | 6,075 |
| Total domestic deposits to total assets | 87.4307% | 2,594 |
| Equity capital to assets | 12.0683% | 1,875 |
| Core capital (leverage) ratio | 12.0099% | 1,544 |
| Tier 1 risk-based capital ratio | 19.1431% | 1,684 |
| Total risk-based capital ratio | 20.3673% | 1,657 |
| Memoranda: | ||
| Average total assets | $61,535,200 | 6,147 |
| Average earning assets | $58,701,800 | 6,040 |
| Average equity | $7,668,400 | 5,818 |
| Average total loans | $33,312,000 | 6,246 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4696% | 2,561 |
| Cost of funding earning assets | 1.4763% | 3,112 |
| Net interest margin | 3.9933% | 3,137 |
| Noninterest income to average assets | 0.3986% | 4,971 |
| Noninterest expense to average assets | 2.1965% | 6,612 |
| Loan and lease loss provision to assets | 0.1365% | 5,662 |
| Net operating income to assets | 1.8802% | 426 |
| Return on assets (ROA) | 1.8802% | 471 |
| Pretax return on assets | 1.8802% | 796 |
| Return on Equity (ROE) | 14.9696% | 863 |
| Retained earnings to average equity (ytd only) | 12.6932% | 383 |
| Net charge-offs to loans | 0.1319% | 5,241 |
| Credit loss provision to net charge-offs | 190.9091% | 1,882 |
| Earnings coverage of net charge-offs (x) | 28.2114% | 917 |
| Efficiency ratio | 52.1337% | 6,962 |
| Assets per employee ($millions) | 6.2747% | 1,086 |
| Cash dividends to net income (ytd only)* | 15.2078% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4232% | 4,342 |
| Loan loss allowance to noncurrent loans | 64.4505% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 1.2048% | 4,734 |
| Noncurrent loans to loans | 2.2082% | 3,434 |
| Net loans and leases to total assets | 52.4344% | 6,055 |
| Net loans and leases to deposits | 60.7198% | 6,250 |
| Net loans and leases to core deposits | 63.7703% | 6,319 |
| Total domestic deposits to total assets | 86.3547% | 2,886 |
| Equity capital to assets | 12.9887% | 1,578 |
| Core capital (leverage) ratio | 13.0023% | 1,229 |
| Tier 1 risk-based capital ratio | 21.7830% | 1,240 |
| Total risk-based capital ratio | 23.0343% | 1,218 |
| Memoranda: | ||
| Average total assets | $61,552,250 | 6,207 |
| Average earning assets | $58,796,250 | 6,100 |
| Average equity | $7,731,000 | 5,875 |
| Average total loans | $33,371,000 | 6,325 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5079% | 2,477 |
| Cost of funding earning assets | 1.4765% | 3,388 |
| Net interest margin | 4.0313% | 2,872 |
| Noninterest income to average assets | 0.4023% | 4,895 |
| Noninterest expense to average assets | 2.2075% | 6,630 |
| Loan and lease loss provision to assets | 0.2060% | 4,816 |
| Net operating income to assets | 1.8282% | 461 |
| Return on assets (ROA) | 1.8282% | 501 |
| Pretax return on assets | 1.8282% | 843 |
| Return on Equity (ROE) | 14.7273% | 906 |
| Retained earnings to average equity (ytd only) | 12.4089% | 439 |
| Net charge-offs to loans | 0.0539% | 5,622 |
| Credit loss provision to net charge-offs | 700.0000% | 536 |
| Earnings coverage of net charge-offs (x) | 69.1111% | 452 |
| Efficiency ratio | 52.0432% | 7,064 |
| Assets per employee ($millions) | 6.1210% | 1,145 |
| Cash dividends to net income (ytd only)* | 15.7424% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5041% | 3,912 |
| Loan loss allowance to noncurrent loans | 59.0533% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 1.4115% | 4,357 |
| Noncurrent loans to loans | 2.5470% | 3,111 |
| Net loans and leases to total assets | 53.3851% | 6,065 |
| Net loans and leases to deposits | 61.6477% | 6,265 |
| Net loans and leases to core deposits | 64.8340% | 6,329 |
| Total domestic deposits to total assets | 86.5970% | 2,754 |
| Equity capital to assets | 12.8427% | 1,634 |
| Core capital (leverage) ratio | 12.6756% | 1,335 |
| Tier 1 risk-based capital ratio | 23.1194% | 1,052 |
| Total risk-based capital ratio | 24.3712% | 1,030 |
| Memoranda: | ||
| Average total assets | $61,154,000 | 6,260 |
| Average earning assets | $58,244,000 | 6,160 |
| Average equity | $7,591,330 | 5,927 |
| Average total loans | $33,369,330 | 6,365 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5720% | 2,278 |
| Cost of funding earning assets | 1.4845% | 3,658 |
| Net interest margin | 4.0876% | 2,491 |
| Noninterest income to average assets | 0.4188% | 4,744 |
| Noninterest expense to average assets | 2.0940% | 6,956 |
| Loan and lease loss provision to assets | 0.0851% | 5,785 |
| Net operating income to assets | 2.1137% | 289 |
| Return on assets (ROA) | 2.1137% | 314 |
| Pretax return on assets | 2.1137% | 494 |
| Return on Equity (ROE) | 17.3272% | 577 |
| Retained earnings to average equity (ytd only) | 14.9668% | 414 |
| Net charge-offs to loans | 0.0359% | 5,080 |
| Credit loss provision to net charge-offs | 433.3333% | 960 |
| Earnings coverage of net charge-offs (x) | 112.0000% | 291 |
| Efficiency ratio | 48.7805% | 7,391 |
| Assets per employee ($millions) | 6.1611% | 1,161 |
| Cash dividends to net income (ytd only)* | 13.6223% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 4,426 |
| Loan loss allowance to noncurrent loans | 40.7341% | 5,643 |
| Noncurrent assets plus other real estate owned to assets | 1.8438% | 3,718 |
| Noncurrent loans to loans | 3.4343% | 2,319 |
| Net loans and leases to total assets | 52.0524% | 6,267 |
| Net loans and leases to deposits | 59.7018% | 6,497 |
| Net loans and leases to core deposits | 61.5559% | 6,634 |
| Total domestic deposits to total assets | 87.1874% | 2,532 |
| Equity capital to assets | 12.3549% | 1,838 |
| Core capital (leverage) ratio | 12.4724% | 1,418 |
| Tier 1 risk-based capital ratio | 23.0046% | 1,082 |
| Total risk-based capital ratio | 24.2576% | 1,053 |
| Memoranda: | ||
| Average total assets | $61,126,000 | 6,342 |
| Average earning assets | $57,932,000 | 6,248 |
| Average equity | $7,456,500 | 6,033 |
| Average total loans | $33,466,000 | 6,437 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7370% | 2,924 |
| Cost of funding earning assets | 1.8432% | 3,769 |
| Net interest margin | 3.8938% | 3,290 |
| Noninterest income to average assets | 0.3984% | 5,216 |
| Noninterest expense to average assets | 2.2234% | 6,931 |
| Loan and lease loss provision to assets | 0.2876% | 5,130 |
| Net operating income to assets | 1.5663% | 590 |
| Return on assets (ROA) | 1.5663% | 633 |
| Pretax return on assets | 1.5663% | 1,035 |
| Return on Equity (ROE) | 12.1890% | 1,113 |
| Retained earnings to average equity (ytd only) | -14.9019% | 6,880 |
| Net charge-offs to loans | 0.6682% | 3,182 |
| Credit loss provision to net charge-offs | 78.5088% | 6,324 |
| Earnings coverage of net charge-offs (x) | 5.0614% | 2,699 |
| Efficiency ratio | 54.5311% | 7,172 |
| Assets per employee ($millions) | 6.0641% | 1,209 |
| Cash dividends to net income (ytd only)* | 222.2564% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 4,806 |
| Loan loss allowance to noncurrent loans | 55.2109% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 1.3621% | 4,383 |
| Noncurrent loans to loans | 2.3425% | 3,241 |
| Net loans and leases to total assets | 56.0050% | 5,952 |
| Net loans and leases to deposits | 64.1301% | 6,248 |
| Net loans and leases to core deposits | 87.4520% | 5,388 |
| Total domestic deposits to total assets | 87.3304% | 2,305 |
| Equity capital to assets | 12.0397% | 2,013 |
| Core capital (leverage) ratio | 12.0491% | 1,645 |
| Tier 1 risk-based capital ratio | 21.3980% | 1,237 |
| Total risk-based capital ratio | 22.6484% | 1,207 |
| Memoranda: | ||
| Average total assets | $62,248,200 | 6,263 |
| Average earning assets | $58,811,400 | 6,177 |
| Average equity | $7,999,000 | 5,924 |
| Average total loans | $34,119,000 | 6,390 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7416% | 3,128 |
| Cost of funding earning assets | 1.9281% | 3,734 |
| Net interest margin | 3.8135% | 3,601 |
| Noninterest income to average assets | 0.3831% | 5,455 |
| Noninterest expense to average assets | 2.2282% | 6,902 |
| Loan and lease loss provision to assets | 0.2362% | 5,082 |
| Net operating income to assets | 1.5216% | 775 |
| Return on assets (ROA) | 1.5216% | 827 |
| Pretax return on assets | 1.5216% | 1,354 |
| Return on Equity (ROE) | 11.6634% | 1,451 |
| Retained earnings to average equity (ytd only) | -12.7237% | 6,990 |
| Net charge-offs to loans | 0.5757% | 2,949 |
| Credit loss provision to net charge-offs | 75.5102% | 5,874 |
| Earnings coverage of net charge-offs (x) | 5.6189% | 2,773 |
| Efficiency ratio | 55.8996% | 7,015 |
| Assets per employee ($millions) | 6.1180% | 1,156 |
| Cash dividends to net income (ytd only)* | 209.0904% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 4,295 |
| Loan loss allowance to noncurrent loans | 46.4503% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 1.6443% | 3,894 |
| Noncurrent loans to loans | 2.8712% | 2,650 |
| Net loans and leases to total assets | 55.3825% | 6,216 |
| Net loans and leases to deposits | 64.0535% | 6,486 |
| Net loans and leases to core deposits | 87.3814% | 5,707 |
| Total domestic deposits to total assets | 86.4629% | 2,447 |
| Equity capital to assets | 12.7166% | 1,821 |
| Core capital (leverage) ratio | 12.4841% | 1,589 |
| Tier 1 risk-based capital ratio | 22.7855% | 1,135 |
| Total risk-based capital ratio | 24.0375% | 1,104 |
| Memoranda: | ||
| Average total assets | $62,650,000 | 6,289 |
| Average earning assets | $59,192,250 | 6,201 |
| Average equity | $8,173,500 | 5,921 |
| Average total loans | $34,047,000 | 6,445 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7130% | 3,462 |
| Cost of funding earning assets | 2.0344% | 3,597 |
| Net interest margin | 3.6786% | 4,052 |
| Noninterest income to average assets | 0.3548% | 5,665 |
| Noninterest expense to average assets | 2.0811% | 7,315 |
| Loan and lease loss provision to assets | 0.2376% | 4,686 |
| Net operating income to assets | 1.5299% | 786 |
| Return on assets (ROA) | 1.5299% | 841 |
| Pretax return on assets | 1.5299% | 1,371 |
| Return on Equity (ROE) | 11.6320% | 1,525 |
| Retained earnings to average equity (ytd only) | -24.3718% | 7,581 |
| Net charge-offs to loans | 0.4065% | 3,165 |
| Credit loss provision to net charge-offs | 108.6957% | 4,253 |
| Earnings coverage of net charge-offs (x) | 8.0870% | 2,320 |
| Efficiency ratio | 54.0741% | 7,322 |
| Assets per employee ($millions) | 6.3687% | 1,019 |
| Cash dividends to net income (ytd only)* | 309.5238% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 3,205 |
| Loan loss allowance to noncurrent loans | 59.8086% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 1.3441% | 4,265 |
| Noncurrent loans to loans | 2.5071% | 2,884 |
| Net loans and leases to total assets | 51.5725% | 6,731 |
| Net loans and leases to deposits | 59.9701% | 6,892 |
| Net loans and leases to core deposits | 81.2251% | 6,304 |
| Total domestic deposits to total assets | 85.9971% | 2,795 |
| Equity capital to assets | 11.7575% | 2,349 |
| Core capital (leverage) ratio | 11.7864% | 1,927 |
| Tier 1 risk-based capital ratio | 22.2682% | 1,214 |
| Total risk-based capital ratio | 23.5233% | 1,185 |
| Memoranda: | ||
| Average total assets | $63,140,000 | 6,325 |
| Average earning assets | $59,969,000 | 6,223 |
| Average equity | $8,304,670 | 5,916 |
| Average total loans | $33,949,000 | 6,503 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9941% | 2,394 |
| Cost of funding earning assets | 2.1455% | 3,435 |
| Net interest margin | 3.8485% | 3,254 |
| Noninterest income to average assets | 0.3563% | 5,593 |
| Noninterest expense to average assets | 2.0233% | 7,296 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.9852% | 359 |
| Return on assets (ROA) | 1.9852% | 409 |
| Pretax return on assets | 1.9852% | 679 |
| Return on Equity (ROE) | 14.3234% | 1,103 |
| Retained earnings to average equity (ytd only) | 11.9362% | 797 |
| Net charge-offs to loans | 0.7241% | 1,740 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 5.0323% | 2,764 |
| Efficiency ratio | 50.4762% | 7,554 |
| Assets per employee ($millions) | 6.3954% | 1,010 |
| Cash dividends to net income (ytd only)* | 16.6667% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 4,109 |
| Loan loss allowance to noncurrent loans | 50.3497% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 1.3729% | 3,902 |
| Noncurrent loans to loans | 2.5714% | 2,565 |
| Net loans and leases to total assets | 51.4980% | 6,732 |
| Net loans and leases to deposits | 61.2448% | 6,789 |
| Net loans and leases to core deposits | 85.7057% | 5,929 |
| Total domestic deposits to total assets | 84.0854% | 3,667 |
| Equity capital to assets | 13.7317% | 1,456 |
| Core capital (leverage) ratio | 14.0852% | 1,174 |
| Tier 1 risk-based capital ratio | 25.7518% | 910 |
| Total risk-based capital ratio | 27.0025% | 891 |
| Memoranda: | ||
| Average total assets | $62,866,500 | 6,364 |
| Average earning assets | $59,659,000 | 6,276 |
| Average equity | $8,713,000 | 5,805 |
| Average total loans | $34,251,000 | 6,532 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4325% | 3,269 |
| Cost of funding earning assets | 2.8616% | 2,437 |
| Net interest margin | 3.5709% | 5,007 |
| Noninterest income to average assets | 0.4576% | 4,979 |
| Noninterest expense to average assets | 2.0708% | 7,299 |
| Loan and lease loss provision to assets | 0.2453% | 4,460 |
| Net operating income to assets | 1.5556% | 917 |
| Return on assets (ROA) | 1.5556% | 888 |
| Pretax return on assets | 1.5556% | 1,524 |
| Return on Equity (ROE) | 10.7201% | 1,996 |
| Retained earnings to average equity (ytd only) | -0.1815% | 5,333 |
| Net charge-offs to loans | 0.6973% | 1,762 |
| Credit loss provision to net charge-offs | 62.3431% | 6,204 |
| Earnings coverage of net charge-offs (x) | 4.5774% | 3,930 |
| Efficiency ratio | 53.4864% | 7,332 |
| Assets per employee ($millions) | 6.1779% | 1,048 |
| Cash dividends to net income (ytd only)* | 101.6931% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4060% | 3,161 |
| Loan loss allowance to noncurrent loans | 48.4789% | 5,582 |
| Noncurrent assets plus other real estate owned to assets | 1.6624% | 2,922 |
| Noncurrent loans to loans | 2.9002% | 1,857 |
| Net loans and leases to total assets | 56.0725% | 6,434 |
| Net loans and leases to deposits | 67.0947% | 6,548 |
| Net loans and leases to core deposits | 96.1903% | 5,243 |
| Total domestic deposits to total assets | 83.5721% | 3,543 |
| Equity capital to assets | 13.9918% | 1,425 |
| Core capital (leverage) ratio | 13.6917% | 1,335 |
| Tier 1 risk-based capital ratio | 24.2858% | 1,055 |
| Total risk-based capital ratio | 25.5410% | 1,032 |
| Memoranda: | ||
| Average total assets | $60,748,200 | 6,360 |
| Average earning assets | $58,079,800 | 6,259 |
| Average equity | $8,815,200 | 5,803 |
| Average total loans | $34,274,600 | 6,474 |