Home > The State Bank of Toledo > Performance and Condition Ratios
The State Bank of Toledo, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7210% | 1,624 |
| Cost of funding earning assets | 1.7470% | 2,598 |
| Net interest margin | 3.9740% | 1,347 |
| Noninterest income to average assets | 0.7900% | 831 |
| Noninterest expense to average assets | 4.2004% | 339 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.2985% | 3,860 |
| Return on assets (ROA) | 0.2776% | 3,922 |
| Pretax return on assets | 0.2776% | 3,961 |
| Return on Equity (ROE) | 2.7500% | 3,901 |
| Retained earnings to average equity (ytd only) | 2.7492% | 3,153 |
| Net charge-offs to loans | -0.2583% | 4,459 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 93.3643% | 400 |
| Assets per employee ($millions) | 4.8416% | 3,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7195% | 627 |
| Loan loss allowance to noncurrent loans | 76.2400% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 1.9293% | 251 |
| Noncurrent loans to loans | 2.2554% | 358 |
| Net loans and leases to total assets | 83.3400% | 287 |
| Net loans and leases to deposits | 93.4746% | 802 |
| Net loans and leases to core deposits | 102.1942% | 1,241 |
| Total domestic deposits to total assets | 89.1500% | 1,124 |
| Equity capital to assets | 10.3823% | 1,991 |
| Core capital (leverage) ratio | 10.0489% | 2,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $133,987,000 | 3,512 |
| Average earning assets | $125,014,000 | 3,496 |
| Average equity | $13,531,000 | 3,480 |
| Average total loans | $108,402,000 | 3,136 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0069% | 1,279 |
| Cost of funding earning assets | 1.8373% | 2,630 |
| Net interest margin | 4.1696% | 966 |
| Noninterest income to average assets | 0.8000% | 917 |
| Noninterest expense to average assets | 3.7028% | 473 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 0.8494% | 2,550 |
| Return on assets (ROA) | 0.8172% | 2,653 |
| Pretax return on assets | 0.8545% | 2,936 |
| Return on Equity (ROE) | 8.3300% | 2,649 |
| Retained earnings to average equity (ytd only) | 6.5060% | 1,614 |
| Net charge-offs to loans | 0.0408% | 1,779 |
| Credit loss provision to net charge-offs | 125.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 28.3182% | 1,575 |
| Efficiency ratio | 79.9420% | 1,049 |
| Assets per employee ($millions) | 4.7328% | 3,808 |
| Cash dividends to net income (ytd only)* | 21.8978% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7328% | 596 |
| Loan loss allowance to noncurrent loans | 61.2613% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 2.2018% | 157 |
| Noncurrent loans to loans | 2.8285% | 216 |
| Net loans and leases to total assets | 75.8600% | 1,164 |
| Net loans and leases to deposits | 86.4018% | 1,553 |
| Net loans and leases to core deposits | 94.0179% | 1,840 |
| Total domestic deposits to total assets | 87.8000% | 1,591 |
| Equity capital to assets | 9.8286% | 2,233 |
| Core capital (leverage) ratio | 9.5940% | 3,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0983% | 2,181 |
| Memoranda: | ||
| Average total assets | $134,116,000 | 3,500 |
| Average earning assets | $123,224,800 | 3,495 |
| Average equity | $13,157,000 | 3,499 |
| Average total loans | $107,930,800 | 3,130 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0291% | 1,212 |
| Cost of funding earning assets | 1.7894% | 2,743 |
| Net interest margin | 4.2397% | 864 |
| Noninterest income to average assets | 0.7900% | 905 |
| Noninterest expense to average assets | 3.6159% | 504 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 1.0099% | 2,015 |
| Return on assets (ROA) | 1.0040% | 2,045 |
| Pretax return on assets | 1.0160% | 2,502 |
| Return on Equity (ROE) | 10.2400% | 2,117 |
| Retained earnings to average equity (ytd only) | 10.2391% | 798 |
| Net charge-offs to loans | 0.0221% | 1,914 |
| Credit loss provision to net charge-offs | 250.0000% | 945 |
| Earnings coverage of net charge-offs (x) | 59.2778% | 1,103 |
| Efficiency ratio | 77.2155% | 1,290 |
| Assets per employee ($millions) | 4.5784% | 3,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7144% | 638 |
| Loan loss allowance to noncurrent loans | 56.4979% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 2.4817% | 126 |
| Noncurrent loans to loans | 3.0344% | 195 |
| Net loans and leases to total assets | 79.9700% | 631 |
| Net loans and leases to deposits | 92.4050% | 1,001 |
| Net loans and leases to core deposits | 104.9688% | 1,188 |
| Total domestic deposits to total assets | 86.5400% | 1,747 |
| Equity capital to assets | 10.2166% | 2,150 |
| Core capital (leverage) ratio | 9.6917% | 3,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5077% | 2,074 |
| Memoranda: | ||
| Average total assets | $133,332,000 | 3,503 |
| Average earning assets | $122,270,250 | 3,515 |
| Average equity | $13,073,750 | 3,517 |
| Average total loans | $108,424,000 | 3,127 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9742% | 1,207 |
| Cost of funding earning assets | 1.6625% | 2,946 |
| Net interest margin | 4.3117% | 775 |
| Noninterest income to average assets | 0.8800% | 744 |
| Noninterest expense to average assets | 3.5081% | 565 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 1.2156% | 1,435 |
| Return on assets (ROA) | 1.1938% | 1,490 |
| Pretax return on assets | 1.2313% | 1,861 |
| Return on Equity (ROE) | 12.3500% | 1,527 |
| Retained earnings to average equity (ytd only) | 12.3470% | 507 |
| Net charge-offs to loans | -0.0018% | 3,617 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 72.9822% | 1,755 |
| Assets per employee ($millions) | 5.3298% | 3,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7164% | 649 |
| Loan loss allowance to noncurrent loans | 60.1165% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 2.3200% | 127 |
| Noncurrent loans to loans | 2.8552% | 205 |
| Net loans and leases to total assets | 76.7300% | 1,082 |
| Net loans and leases to deposits | 87.9949% | 1,483 |
| Net loans and leases to core deposits | 101.6762% | 1,379 |
| Total domestic deposits to total assets | 87.2000% | 1,578 |
| Equity capital to assets | 9.6308% | 2,316 |
| Core capital (leverage) ratio | 9.7175% | 3,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8996% | 2,290 |
| Memoranda: | ||
| Average total assets | $133,518,000 | 3,517 |
| Average earning assets | $121,623,667 | 3,526 |
| Average equity | $12,910,000 | 3,516 |
| Average total loans | $108,555,667 | 3,120 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2474% | 2,306 |
| Cost of funding earning assets | 1.4678% | 3,268 |
| Net interest margin | 3.7796% | 1,402 |
| Noninterest income to average assets | 0.9800% | 568 |
| Noninterest expense to average assets | 3.5209% | 552 |
| Loan and lease loss provision to assets | 0.0500% | 1,722 |
| Net operating income to assets | 0.8825% | 2,279 |
| Return on assets (ROA) | 0.8856% | 2,285 |
| Pretax return on assets | 0.8734% | 2,733 |
| Return on Equity (ROE) | 9.1400% | 2,351 |
| Retained earnings to average equity (ytd only) | 9.1396% | 1,288 |
| Net charge-offs to loans | -0.0037% | 3,643 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 79.3531% | 1,249 |
| Assets per employee ($millions) | 5.0886% | 3,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6701% | 727 |
| Loan loss allowance to noncurrent loans | 45.8988% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 3.1292% | 73 |
| Noncurrent loans to loans | 3.6386% | 112 |
| Net loans and leases to total assets | 81.9300% | 426 |
| Net loans and leases to deposits | 94.8346% | 800 |
| Net loans and leases to core deposits | 103.8824% | 1,211 |
| Total domestic deposits to total assets | 86.3900% | 1,970 |
| Equity capital to assets | 9.7027% | 2,196 |
| Core capital (leverage) ratio | 9.7344% | 3,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6615% | 2,358 |
| Memoranda: | ||
| Average total assets | $130,989,000 | 3,545 |
| Average earning assets | $119,908,000 | 3,550 |
| Average equity | $12,692,000 | 3,538 |
| Average total loans | $108,738,500 | 3,128 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7652% | 2,544 |
| Cost of funding earning assets | 0.7531% | 3,847 |
| Net interest margin | 4.0121% | 1,189 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 3.5036% | 575 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.7607% | 3,010 |
| Return on assets (ROA) | 0.7636% | 2,976 |
| Pretax return on assets | 0.8298% | 3,138 |
| Return on Equity (ROE) | 7.8800% | 3,059 |
| Retained earnings to average equity (ytd only) | 5.9008% | 2,285 |
| Net charge-offs to loans | 0.0192% | 1,973 |
| Credit loss provision to net charge-offs | 315.7895% | 920 |
| Earnings coverage of net charge-offs (x) | 57.6842% | 1,212 |
| Efficiency ratio | 80.0255% | 918 |
| Assets per employee ($millions) | 5.1870% | 3,486 |
| Cash dividends to net income (ytd only)* | 25.0784% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7018% | 657 |
| Loan loss allowance to noncurrent loans | 49.2445% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 3.2026% | 63 |
| Noncurrent loans to loans | 3.4558% | 115 |
| Net loans and leases to total assets | 81.2900% | 502 |
| Net loans and leases to deposits | 93.6407% | 968 |
| Net loans and leases to core deposits | 97.6897% | 1,557 |
| Total domestic deposits to total assets | 86.8100% | 1,750 |
| Equity capital to assets | 9.6758% | 2,218 |
| Core capital (leverage) ratio | 10.1972% | 2,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4846% | 2,420 |
| Memoranda: | ||
| Average total assets | $125,328,000 | 3,596 |
| Average earning assets | $115,525,600 | 3,588 |
| Average equity | $12,150,800 | 3,510 |
| Average total loans | $99,105,400 | 3,187 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5901% | 2,698 |
| Cost of funding earning assets | 0.6358% | 3,909 |
| Net interest margin | 3.9543% | 1,289 |
| Noninterest income to average assets | 0.6800% | 1,252 |
| Noninterest expense to average assets | 3.3423% | 679 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.8898% | 2,723 |
| Return on assets (ROA) | 0.8227% | 2,943 |
| Pretax return on assets | 0.8956% | 3,111 |
| Return on Equity (ROE) | 8.4300% | 3,076 |
| Retained earnings to average equity (ytd only) | 8.4260% | 1,830 |
| Net charge-offs to loans | -0.0261% | 4,204 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.6732% | 1,117 |
| Assets per employee ($millions) | 4.6857% | 3,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8226% | 546 |
| Loan loss allowance to noncurrent loans | 46.9408% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 3.3626% | 54 |
| Noncurrent loans to loans | 3.8827% | 80 |
| Net loans and leases to total assets | 85.0300% | 211 |
| Net loans and leases to deposits | 96.0259% | 753 |
| Net loans and leases to core deposits | 97.0401% | 1,505 |
| Total domestic deposits to total assets | 88.5400% | 1,396 |
| Equity capital to assets | 10.8091% | 1,427 |
| Core capital (leverage) ratio | 10.6888% | 2,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0084% | 1,895 |
| Memoranda: | ||
| Average total assets | $124,301,500 | 3,622 |
| Average earning assets | $115,550,500 | 3,603 |
| Average equity | $12,136,750 | 3,516 |
| Average total loans | $97,131,500 | 3,209 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4905% | 2,665 |
| Cost of funding earning assets | 0.4780% | 4,023 |
| Net interest margin | 4.0125% | 1,218 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 3.1668% | 823 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.1193% | 2,064 |
| Return on assets (ROA) | 1.1193% | 2,061 |
| Pretax return on assets | 1.2077% | 2,339 |
| Return on Equity (ROE) | 11.8500% | 2,201 |
| Retained earnings to average equity (ytd only) | 11.8545% | 1,013 |
| Net charge-offs to loans | -0.0397% | 4,314 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.6173% | 1,599 |
| Assets per employee ($millions) | 4.9172% | 3,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8599% | 538 |
| Loan loss allowance to noncurrent loans | 46.0226% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 3.3767% | 51 |
| Noncurrent loans to loans | 4.0413% | 84 |
| Net loans and leases to total assets | 82.0000% | 430 |
| Net loans and leases to deposits | 92.0901% | 1,017 |
| Net loans and leases to core deposits | 93.0089% | 1,626 |
| Total domestic deposits to total assets | 89.0400% | 1,246 |
| Equity capital to assets | 10.5658% | 1,564 |
| Core capital (leverage) ratio | 10.2301% | 2,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0908% | 1,855 |
| Memoranda: | ||
| Average total assets | $126,688,000 | 3,608 |
| Average earning assets | $117,582,000 | 3,594 |
| Average equity | $11,961,667 | 3,541 |
| Average total loans | $95,692,333 | 3,224 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2747% | 2,864 |
| Cost of funding earning assets | 0.3604% | 4,047 |
| Net interest margin | 3.9144% | 1,452 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 3.2604% | 733 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.9220% | 2,780 |
| Return on assets (ROA) | 0.9220% | 2,736 |
| Pretax return on assets | 0.9861% | 3,035 |
| Return on Equity (ROE) | 10.3200% | 2,690 |
| Retained earnings to average equity (ytd only) | 10.3177% | 1,624 |
| Net charge-offs to loans | -0.0509% | 4,363 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.9602% | 1,171 |
| Assets per employee ($millions) | 5.8585% | 2,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8998% | 529 |
| Loan loss allowance to noncurrent loans | 48.0754% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 2.9227% | 56 |
| Noncurrent loans to loans | 3.9518% | 91 |
| Net loans and leases to total assets | 72.5500% | 1,367 |
| Net loans and leases to deposits | 80.3984% | 1,788 |
| Net loans and leases to core deposits | 81.1224% | 2,174 |
| Total domestic deposits to total assets | 90.2400% | 1,070 |
| Equity capital to assets | 9.2359% | 2,331 |
| Core capital (leverage) ratio | 9.3263% | 3,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8768% | 2,011 |
| Memoranda: | ||
| Average total assets | $131,025,500 | 3,605 |
| Average earning assets | $120,990,000 | 3,590 |
| Average equity | $11,708,000 | 3,598 |
| Average total loans | $94,235,500 | 3,280 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5447% | 2,957 |
| Cost of funding earning assets | 0.2264% | 3,537 |
| Net interest margin | 3.3183% | 2,520 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 2.9338% | 1,073 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.8635% | 3,103 |
| Return on assets (ROA) | 0.8635% | 3,033 |
| Pretax return on assets | 0.9260% | 3,280 |
| Return on Equity (ROE) | 10.5700% | 2,622 |
| Retained earnings to average equity (ytd only) | 8.6309% | 1,593 |
| Net charge-offs to loans | 0.3392% | 224 |
| Credit loss provision to net charge-offs | 19.1693% | 1,937 |
| Earnings coverage of net charge-offs (x) | 4.2173% | 2,426 |
| Efficiency ratio | 75.1506% | 1,105 |
| Assets per employee ($millions) | 5.7897% | 2,959 |
| Cash dividends to net income (ytd only)* | 18.3830% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9142% | 519 |
| Loan loss allowance to noncurrent loans | 52.0888% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 2.5705% | 74 |
| Noncurrent loans to loans | 3.6748% | 103 |
| Net loans and leases to total assets | 68.6100% | 1,775 |
| Net loans and leases to deposits | 75.3437% | 2,145 |
| Net loans and leases to core deposits | 76.1728% | 2,406 |
| Total domestic deposits to total assets | 91.0600% | 936 |
| Equity capital to assets | 8.6450% | 2,600 |
| Core capital (leverage) ratio | 8.9724% | 3,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4423% | 2,185 |
| Memoranda: | ||
| Average total assets | $136,067,800 | 3,575 |
| Average earning assets | $128,078,000 | 3,547 |
| Average equity | $11,111,200 | 3,752 |
| Average total loans | $92,273,000 | 3,259 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3956% | 2,930 |
| Cost of funding earning assets | 0.1984% | 3,296 |
| Net interest margin | 3.1972% | 2,634 |
| Noninterest income to average assets | 0.8200% | 992 |
| Noninterest expense to average assets | 2.8948% | 1,069 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.8509% | 3,060 |
| Return on assets (ROA) | 0.8509% | 3,038 |
| Pretax return on assets | 0.9133% | 3,278 |
| Return on Equity (ROE) | 10.5700% | 2,545 |
| Retained earnings to average equity (ytd only) | 10.5710% | 1,173 |
| Net charge-offs to loans | 0.2535% | 265 |
| Credit loss provision to net charge-offs | 25.7143% | 1,615 |
| Earnings coverage of net charge-offs (x) | 5.6114% | 2,138 |
| Efficiency ratio | 75.1518% | 1,158 |
| Assets per employee ($millions) | 5.1690% | 3,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0382% | 474 |
| Loan loss allowance to noncurrent loans | 59.3030% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 2.3915% | 95 |
| Noncurrent loans to loans | 3.4369% | 126 |
| Net loans and leases to total assets | 68.1600% | 1,663 |
| Net loans and leases to deposits | 74.5842% | 1,992 |
| Net loans and leases to core deposits | 75.5237% | 2,236 |
| Total domestic deposits to total assets | 91.3900% | 1,082 |
| Equity capital to assets | 8.4387% | 2,589 |
| Core capital (leverage) ratio | 8.9910% | 3,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7649% | 2,146 |
| Memoranda: | ||
| Average total assets | $136,794,000 | 3,585 |
| Average earning assets | $129,733,750 | 3,551 |
| Average equity | $11,011,000 | 3,809 |
| Average total loans | $92,054,500 | 3,266 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2602% | 2,871 |
| Cost of funding earning assets | 0.1923% | 3,022 |
| Net interest margin | 3.0678% | 2,657 |
| Noninterest income to average assets | 0.9056% | 837 |
| Noninterest expense to average assets | 2.8606% | 1,056 |
| Loan and lease loss provision to assets | 0.0436% | 1,785 |
| Net operating income to assets | 0.8503% | 2,775 |
| Return on assets (ROA) | 0.8503% | 2,749 |
| Pretax return on assets | 0.9230% | 2,982 |
| Return on Equity (ROE) | 10.7330% | 2,078 |
| Retained earnings to average equity (ytd only) | 10.7330% | 838 |
| Net charge-offs to loans | 0.3881% | 178 |
| Credit loss provision to net charge-offs | 16.8539% | 1,615 |
| Earnings coverage of net charge-offs (x) | 3.7360% | 1,985 |
| Efficiency ratio | 74.7436% | 1,420 |
| Assets per employee ($millions) | 5.7290% | 2,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0473% | 506 |
| Loan loss allowance to noncurrent loans | 67.1525% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 2.1348% | 117 |
| Noncurrent loans to loans | 3.0487% | 162 |
| Net loans and leases to total assets | 68.5920% | 1,431 |
| Net loans and leases to deposits | 75.0031% | 1,759 |
| Net loans and leases to core deposits | 76.1783% | 2,001 |
| Total domestic deposits to total assets | 91.4523% | 1,044 |
| Equity capital to assets | 8.4415% | 2,808 |
| Core capital (leverage) ratio | 8.2644% | 4,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4197% | 2,333 |
| Memoranda: | ||
| Average total assets | $137,594,333 | 3,621 |
| Average earning assets | $131,036,667 | 3,584 |
| Average equity | $10,901,000 | 3,898 |
| Average total loans | $91,738,667 | 3,303 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1215% | 2,908 |
| Cost of funding earning assets | 0.1971% | 2,840 |
| Net interest margin | 2.9243% | 2,753 |
| Noninterest income to average assets | 0.5466% | 1,917 |
| Noninterest expense to average assets | 2.9948% | 823 |
| Loan and lease loss provision to assets | 0.0427% | 1,590 |
| Net operating income to assets | 0.2477% | 4,245 |
| Return on assets (ROA) | 0.2477% | 4,222 |
| Pretax return on assets | 0.2961% | 4,192 |
| Return on Equity (ROE) | 3.2252% | 4,042 |
| Retained earnings to average equity (ytd only) | 3.2252% | 3,187 |
| Net charge-offs to loans | 0.0525% | 764 |
| Credit loss provision to net charge-offs | 125.0000% | 914 |
| Earnings coverage of net charge-offs (x) | 9.9167% | 1,472 |
| Efficiency ratio | 89.8377% | 554 |
| Assets per employee ($millions) | 6.8441% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2399% | 413 |
| Loan loss allowance to noncurrent loans | 63.0294% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 2.2508% | 118 |
| Noncurrent loans to loans | 3.5537% | 123 |
| Net loans and leases to total assets | 61.9185% | 1,868 |
| Net loans and leases to deposits | 66.9634% | 2,247 |
| Net loans and leases to core deposits | 67.9113% | 2,463 |
| Total domestic deposits to total assets | 92.4662% | 413 |
| Equity capital to assets | 7.4496% | 3,963 |
| Core capital (leverage) ratio | 7.8114% | 4,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8064% | 2,677 |
| Memoranda: | ||
| Average total assets | $140,508,500 | 3,612 |
| Average earning assets | $133,910,500 | 3,581 |
| Average equity | $10,790,000 | 3,971 |
| Average total loans | $91,473,000 | 3,307 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6851% | 2,158 |
| Cost of funding earning assets | 0.2657% | 2,747 |
| Net interest margin | 3.4195% | 1,966 |
| Noninterest income to average assets | 0.6408% | 1,987 |
| Noninterest expense to average assets | 2.6017% | 1,863 |
| Loan and lease loss provision to assets | 0.1851% | 609 |
| Net operating income to assets | 1.0445% | 2,501 |
| Return on assets (ROA) | 1.0445% | 2,580 |
| Pretax return on assets | 1.1072% | 2,948 |
| Return on Equity (ROE) | 13.2222% | 1,391 |
| Retained earnings to average equity (ytd only) | 0.6760% | 4,343 |
| Net charge-offs to loans | 0.3361% | 252 |
| Credit loss provision to net charge-offs | 80.4954% | 1,949 |
| Earnings coverage of net charge-offs (x) | 5.6192% | 2,436 |
| Efficiency ratio | 66.8129% | 2,144 |
| Assets per employee ($millions) | 6.8646% | 2,025 |
| Cash dividends to net income (ytd only)* | 94.8875% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2162% | 438 |
| Loan loss allowance to noncurrent loans | 67.8322% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 2.1975% | 134 |
| Noncurrent loans to loans | 3.2672% | 163 |
| Net loans and leases to total assets | 65.4646% | 1,536 |
| Net loans and leases to deposits | 71.2241% | 1,989 |
| Net loans and leases to core deposits | 72.5851% | 2,200 |
| Total domestic deposits to total assets | 91.9135% | 201 |
| Equity capital to assets | 7.9197% | 4,405 |
| Core capital (leverage) ratio | 7.9364% | 4,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5960% | 2,752 |
| Memoranda: | ||
| Average total assets | $140,447,200 | 3,577 |
| Average earning assets | $133,617,600 | 3,535 |
| Average equity | $11,095,000 | 4,023 |
| Average total loans | $96,108,800 | 3,249 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7658% | 2,105 |
| Cost of funding earning assets | 0.2742% | 2,853 |
| Net interest margin | 3.4916% | 1,884 |
| Noninterest income to average assets | 0.5881% | 2,257 |
| Noninterest expense to average assets | 2.6055% | 1,816 |
| Loan and lease loss provision to assets | 0.0425% | 2,146 |
| Net operating income to assets | 1.1876% | 2,210 |
| Return on assets (ROA) | 1.1876% | 2,268 |
| Pretax return on assets | 1.2574% | 2,744 |
| Return on Equity (ROE) | 15.0423% | 1,132 |
| Retained earnings to average equity (ytd only) | 3.8503% | 3,622 |
| Net charge-offs to loans | -0.0082% | 3,601 |
| Credit loss provision to net charge-offs | -750.0000% | 3,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7150% | 2,004 |
| Assets per employee ($millions) | 7.5073% | 1,564 |
| Cash dividends to net income (ytd only)* | 74.4038% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2324% | 432 |
| Loan loss allowance to noncurrent loans | 52.6832% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 2.8807% | 90 |
| Noncurrent loans to loans | 4.2375% | 111 |
| Net loans and leases to total assets | 66.0112% | 1,547 |
| Net loans and leases to deposits | 72.2301% | 2,029 |
| Net loans and leases to core deposits | 73.6833% | 2,272 |
| Total domestic deposits to total assets | 91.3901% | 262 |
| Equity capital to assets | 7.8696% | 4,576 |
| Core capital (leverage) ratio | 8.4157% | 4,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0179% | 2,701 |
| Memoranda: | ||
| Average total assets | $141,236,250 | 3,615 |
| Average earning assets | $134,185,500 | 3,574 |
| Average equity | $11,150,500 | 4,074 |
| Average total loans | $97,157,500 | 3,282 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0489% | 1,455 |
| Cost of funding earning assets | 0.2861% | 2,906 |
| Net interest margin | 3.7628% | 1,198 |
| Noninterest income to average assets | 0.6223% | 2,117 |
| Noninterest expense to average assets | 2.5318% | 2,044 |
| Loan and lease loss provision to assets | 0.0426% | 2,160 |
| Net operating income to assets | 1.5316% | 1,212 |
| Return on assets (ROA) | 1.5316% | 1,275 |
| Pretax return on assets | 1.6168% | 1,692 |
| Return on Equity (ROE) | 19.3786% | 510 |
| Retained earnings to average equity (ytd only) | 8.1613% | 2,020 |
| Net charge-offs to loans | -0.0041% | 3,372 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4068% | 2,959 |
| Assets per employee ($millions) | 7.0811% | 1,742 |
| Cash dividends to net income (ytd only)* | 57.8850% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1764% | 447 |
| Loan loss allowance to noncurrent loans | 52.2154% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 3.0586% | 88 |
| Noncurrent loans to loans | 4.1682% | 125 |
| Net loans and leases to total assets | 71.2584% | 1,048 |
| Net loans and leases to deposits | 77.9331% | 1,635 |
| Net loans and leases to core deposits | 79.5881% | 1,919 |
| Total domestic deposits to total assets | 91.4353% | 244 |
| Equity capital to assets | 8.4414% | 4,248 |
| Core capital (leverage) ratio | 8.0558% | 4,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,769,000 | 3,630 |
| Average earning assets | $133,517,333 | 3,592 |
| Average equity | $11,125,667 | 4,085 |
| Average total loans | $97,441,000 | 3,291 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8780% | 1,885 |
| Cost of funding earning assets | 0.2913% | 3,088 |
| Net interest margin | 3.5867% | 1,620 |
| Noninterest income to average assets | 0.6394% | 2,067 |
| Noninterest expense to average assets | 2.4520% | 2,323 |
| Loan and lease loss provision to assets | 0.0417% | 2,228 |
| Net operating income to assets | 1.4623% | 1,412 |
| Return on assets (ROA) | 1.4623% | 1,474 |
| Pretax return on assets | 1.5346% | 1,899 |
| Return on Equity (ROE) | 19.1099% | 613 |
| Retained earnings to average equity (ytd only) | 7.7748% | 2,323 |
| Net charge-offs to loans | -0.0041% | 3,324 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8696% | 2,925 |
| Assets per employee ($millions) | 7.3416% | 1,563 |
| Cash dividends to net income (ytd only)* | 59.3156% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1269% | 475 |
| Loan loss allowance to noncurrent loans | 41.4414% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 3.4993% | 73 |
| Noncurrent loans to loans | 5.1324% | 75 |
| Net loans and leases to total assets | 66.3143% | 1,755 |
| Net loans and leases to deposits | 71.7994% | 2,332 |
| Net loans and leases to core deposits | 73.3213% | 2,579 |
| Total domestic deposits to total assets | 92.3606% | 89 |
| Equity capital to assets | 7.5713% | 4,685 |
| Core capital (leverage) ratio | 8.0158% | 4,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,883,500 | 3,591 |
| Average earning assets | $135,946,000 | 3,565 |
| Average equity | $11,010,000 | 4,109 |
| Average total loans | $97,159,500 | 3,306 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5672% | 1,163 |
| Cost of funding earning assets | 0.4635% | 3,196 |
| Net interest margin | 4.1037% | 777 |
| Noninterest income to average assets | 0.5659% | 2,351 |
| Noninterest expense to average assets | 2.7488% | 2,081 |
| Loan and lease loss provision to assets | 0.2096% | 1,875 |
| Net operating income to assets | 1.3991% | 1,021 |
| Return on assets (ROA) | 1.4405% | 1,019 |
| Pretax return on assets | 1.5122% | 1,297 |
| Return on Equity (ROE) | 16.4925% | 454 |
| Retained earnings to average equity (ytd only) | 3.6455% | 3,013 |
| Net charge-offs to loans | 0.1468% | 1,111 |
| Credit loss provision to net charge-offs | 178.0822% | 2,275 |
| Earnings coverage of net charge-offs (x) | 14.2603% | 2,223 |
| Efficiency ratio | 62.0903% | 3,113 |
| Assets per employee ($millions) | 7.0468% | 1,551 |
| Cash dividends to net income (ytd only)* | 77.8959% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2144% | 396 |
| Loan loss allowance to noncurrent loans | 54.8589% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 2.7403% | 150 |
| Noncurrent loans to loans | 4.0366% | 137 |
| Net loans and leases to total assets | 65.7980% | 2,123 |
| Net loans and leases to deposits | 71.5234% | 2,729 |
| Net loans and leases to core deposits | 73.9391% | 2,920 |
| Total domestic deposits to total assets | 91.9949% | 71 |
| Equity capital to assets | 7.7361% | 4,793 |
| Core capital (leverage) ratio | 8.0261% | 4,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,054,400 | 3,696 |
| Average earning assets | $116,723,600 | 3,668 |
| Average equity | $10,835,200 | 4,102 |
| Average total loans | $99,457,400 | 3,237 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7130% | 1,033 |
| Cost of funding earning assets | 0.5036% | 3,201 |
| Net interest margin | 4.2094% | 713 |
| Noninterest income to average assets | 0.5218% | 2,518 |
| Noninterest expense to average assets | 2.7615% | 2,085 |
| Loan and lease loss provision to assets | 0.0501% | 3,724 |
| Net operating income to assets | 1.5909% | 746 |
| Return on assets (ROA) | 1.6300% | 747 |
| Pretax return on assets | 1.7134% | 945 |
| Return on Equity (ROE) | 18.0555% | 359 |
| Retained earnings to average equity (ytd only) | 6.5197% | 1,878 |
| Net charge-offs to loans | 0.0265% | 2,309 |
| Credit loss provision to net charge-offs | 225.0000% | 2,013 |
| Earnings coverage of net charge-offs (x) | 77.4000% | 942 |
| Efficiency ratio | 61.5881% | 3,139 |
| Assets per employee ($millions) | 6.6315% | 1,727 |
| Cash dividends to net income (ytd only)* | 63.8908% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0495% | 456 |
| Loan loss allowance to noncurrent loans | 41.8087% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 3.6523% | 100 |
| Noncurrent loans to loans | 4.9021% | 113 |
| Net loans and leases to total assets | 72.4661% | 1,597 |
| Net loans and leases to deposits | 79.2367% | 2,398 |
| Net loans and leases to core deposits | 82.4435% | 2,627 |
| Total domestic deposits to total assets | 91.4551% | 107 |
| Equity capital to assets | 8.3217% | 4,563 |
| Core capital (leverage) ratio | 9.3065% | 3,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,834,000 | 3,739 |
| Average earning assets | $112,791,500 | 3,716 |
| Average equity | $10,818,250 | 4,108 |
| Average total loans | $100,613,500 | 3,228 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0369% | 776 |
| Cost of funding earning assets | 0.5599% | 3,179 |
| Net interest margin | 4.4770% | 532 |
| Noninterest income to average assets | 0.5296% | 2,444 |
| Noninterest expense to average assets | 2.7654% | 2,175 |
| Loan and lease loss provision to assets | 0.0519% | 3,654 |
| Net operating income to assets | 1.8255% | 477 |
| Return on assets (ROA) | 1.8863% | 455 |
| Pretax return on assets | 1.9832% | 566 |
| Return on Equity (ROE) | 20.2879% | 235 |
| Retained earnings to average equity (ytd only) | 8.6735% | 1,113 |
| Net charge-offs to loans | 0.0394% | 1,953 |
| Credit loss provision to net charge-offs | 150.0000% | 2,122 |
| Earnings coverage of net charge-offs (x) | 56.9500% | 1,008 |
| Efficiency ratio | 58.3851% | 3,646 |
| Assets per employee ($millions) | 5.7954% | 2,378 |
| Cash dividends to net income (ytd only)* | 57.2477% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0084% | 427 |
| Loan loss allowance to noncurrent loans | 41.0615% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 4.2077% | 77 |
| Noncurrent loans to loans | 4.8911% | 114 |
| Net loans and leases to total assets | 84.0234% | 253 |
| Net loans and leases to deposits | 93.0341% | 1,047 |
| Net loans and leases to core deposits | 98.8199% | 1,346 |
| Total domestic deposits to total assets | 90.3146% | 322 |
| Equity capital to assets | 9.4679% | 3,687 |
| Core capital (leverage) ratio | 9.4271% | 3,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,569,000 | 3,780 |
| Average earning assets | $108,599,333 | 3,760 |
| Average equity | $10,745,333 | 4,127 |
| Average total loans | $101,444,000 | 3,212 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0447% | 885 |
| Cost of funding earning assets | 0.5954% | 3,461 |
| Net interest margin | 4.4492% | 565 |
| Noninterest income to average assets | 0.5130% | 2,484 |
| Noninterest expense to average assets | 2.7348% | 2,618 |
| Loan and lease loss provision to assets | 0.0520% | 3,127 |
| Net operating income to assets | 1.8057% | 410 |
| Return on assets (ROA) | 1.9341% | 333 |
| Pretax return on assets | 2.0312% | 424 |
| Return on Equity (ROE) | 20.9952% | 134 |
| Retained earnings to average equity (ytd only) | 9.2559% | 906 |
| Net charge-offs to loans | 0.0039% | 2,439 |
| Credit loss provision to net charge-offs | 1,500.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 562.0000% | 105 |
| Efficiency ratio | 58.4012% | 3,949 |
| Assets per employee ($millions) | 5.7741% | 1,869 |
| Cash dividends to net income (ytd only)* | 55.9140% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9579% | 540 |
| Loan loss allowance to noncurrent loans | 42.1319% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 4.1245% | 98 |
| Noncurrent loans to loans | 4.6470% | 147 |
| Net loans and leases to total assets | 86.7260% | 107 |
| Net loans and leases to deposits | 95.7705% | 931 |
| Net loans and leases to core deposits | 102.4982% | 1,286 |
| Total domestic deposits to total assets | 90.5560% | 184 |
| Equity capital to assets | 9.3124% | 4,383 |
| Core capital (leverage) ratio | 9.4671% | 4,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,400,000 | 3,772 |
| Average earning assets | $108,154,000 | 3,746 |
| Average equity | $10,631,000 | 4,158 |
| Average total loans | $102,473,500 | 3,188 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8980% | 1,752 |
| Cost of funding earning assets | 0.6460% | 3,432 |
| Net interest margin | 4.2520% | 1,200 |
| Noninterest income to average assets | 0.6424% | 2,034 |
| Noninterest expense to average assets | 2.9382% | 2,177 |
| Loan and lease loss provision to assets | 0.2239% | 866 |
| Net operating income to assets | 1.3899% | 1,373 |
| Return on assets (ROA) | 1.3899% | 1,447 |
| Pretax return on assets | 1.4596% | 1,940 |
| Return on Equity (ROE) | 15.4361% | 616 |
| Retained earnings to average equity (ytd only) | 2.1232% | 3,935 |
| Net charge-offs to loans | 0.0262% | 2,873 |
| Credit loss provision to net charge-offs | 962.9630% | 361 |
| Earnings coverage of net charge-offs (x) | 72.4074% | 866 |
| Efficiency ratio | 63.5737% | 3,131 |
| Assets per employee ($millions) | 5.7660% | 1,821 |
| Cash dividends to net income (ytd only)* | 86.2454% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9320% | 523 |
| Loan loss allowance to noncurrent loans | 33.6382% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 5.1336% | 52 |
| Noncurrent loans to loans | 5.7435% | 76 |
| Net loans and leases to total assets | 87.4175% | 104 |
| Net loans and leases to deposits | 96.4633% | 895 |
| Net loans and leases to core deposits | 108.3164% | 956 |
| Total domestic deposits to total assets | 90.6225% | 172 |
| Equity capital to assets | 9.1121% | 4,631 |
| Core capital (leverage) ratio | 9.2100% | 4,355 |
| Tier 1 risk-based capital ratio | 10.6077% | 4,987 |
| Total risk-based capital ratio | 11.8665% | 4,907 |
| Memoranda: | ||
| Average total assets | $116,126,400 | 3,748 |
| Average earning assets | $108,677,000 | 3,734 |
| Average equity | $10,456,000 | 4,182 |
| Average total loans | $103,145,800 | 3,184 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8551% | 1,953 |
| Cost of funding earning assets | 0.6491% | 3,453 |
| Net interest margin | 4.2060% | 1,368 |
| Noninterest income to average assets | 0.6453% | 2,008 |
| Noninterest expense to average assets | 2.8906% | 2,291 |
| Loan and lease loss provision to assets | 0.0516% | 2,876 |
| Net operating income to assets | 1.5588% | 1,037 |
| Return on assets (ROA) | 1.5588% | 1,088 |
| Pretax return on assets | 1.6390% | 1,499 |
| Return on Equity (ROE) | 17.3637% | 444 |
| Retained earnings to average equity (ytd only) | 5.4134% | 2,668 |
| Net charge-offs to loans | 0.0220% | 2,662 |
| Credit loss provision to net charge-offs | 264.7059% | 1,043 |
| Earnings coverage of net charge-offs (x) | 86.7499% | 814 |
| Efficiency ratio | 63.0973% | 3,145 |
| Assets per employee ($millions) | 5.7106% | 1,842 |
| Cash dividends to net income (ytd only)* | 68.8235% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7204% | 783 |
| Loan loss allowance to noncurrent loans | 30.0692% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 5.1860% | 70 |
| Noncurrent loans to loans | 5.7215% | 81 |
| Net loans and leases to total assets | 89.0807% | 64 |
| Net loans and leases to deposits | 98.5977% | 760 |
| Net loans and leases to core deposits | 108.7605% | 1,004 |
| Total domestic deposits to total assets | 90.3477% | 202 |
| Equity capital to assets | 9.3774% | 4,543 |
| Core capital (leverage) ratio | 9.4946% | 4,170 |
| Tier 1 risk-based capital ratio | 9.4065% | 5,237 |
| Total risk-based capital ratio | 10.6606% | 5,225 |
| Memoranda: | ||
| Average total assets | $116,328,250 | 3,793 |
| Average earning assets | $108,858,750 | 3,772 |
| Average equity | $10,443,000 | 4,231 |
| Average total loans | $103,233,500 | 3,222 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6459% | 2,527 |
| Cost of funding earning assets | 0.6210% | 3,544 |
| Net interest margin | 4.0248% | 1,843 |
| Noninterest income to average assets | 0.5725% | 2,273 |
| Noninterest expense to average assets | 2.9308% | 2,193 |
| Loan and lease loss provision to assets | 0.0513% | 2,787 |
| Net operating income to assets | 1.2031% | 2,137 |
| Return on assets (ROA) | 1.2031% | 2,199 |
| Pretax return on assets | 1.3671% | 2,314 |
| Return on Equity (ROE) | 13.5986% | 1,076 |
| Retained earnings to average equity (ytd only) | 1.5453% | 4,275 |
| Net charge-offs to loans | 0.0349% | 2,168 |
| Credit loss provision to net charge-offs | 166.6667% | 1,382 |
| Earnings coverage of net charge-offs (x) | 46.1111% | 1,156 |
| Efficiency ratio | 67.3870% | 2,627 |
| Assets per employee ($millions) | 5.6596% | 1,818 |
| Cash dividends to net income (ytd only)* | 88.6364% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6892% | 839 |
| Loan loss allowance to noncurrent loans | 29.0487% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 5.3679% | 68 |
| Noncurrent loans to loans | 5.8149% | 74 |
| Net loans and leases to total assets | 90.7529% | 42 |
| Net loans and leases to deposits | 100.1941% | 662 |
| Net loans and leases to core deposits | 115.4097% | 708 |
| Total domestic deposits to total assets | 90.5771% | 181 |
| Equity capital to assets | 9.1579% | 4,691 |
| Core capital (leverage) ratio | 9.1735% | 4,492 |
| Tier 1 risk-based capital ratio | 10.5084% | 5,103 |
| Total risk-based capital ratio | 11.7654% | 5,018 |
| Memoranda: | ||
| Average total assets | $117,034,000 | 3,809 |
| Average earning assets | $109,818,330 | 3,778 |
| Average equity | $10,354,000 | 4,256 |
| Average total loans | $103,137,670 | 3,236 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7687% | 1,997 |
| Cost of funding earning assets | 0.6100% | 3,512 |
| Net interest margin | 4.1587% | 1,405 |
| Noninterest income to average assets | 0.5044% | 2,528 |
| Noninterest expense to average assets | 2.7943% | 2,587 |
| Loan and lease loss provision to assets | 0.0504% | 2,645 |
| Net operating income to assets | 1.4661% | 1,191 |
| Return on assets (ROA) | 1.4661% | 1,221 |
| Pretax return on assets | 1.5569% | 1,587 |
| Return on Equity (ROE) | 16.8535% | 491 |
| Retained earnings to average equity (ytd only) | 4.7932% | 3,000 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4836% | 3,322 |
| Assets per employee ($millions) | 6.0286% | 1,522 |
| Cash dividends to net income (ytd only)* | 71.5596% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7172% | 828 |
| Loan loss allowance to noncurrent loans | 45.1596% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 3.2470% | 174 |
| Noncurrent loans to loans | 3.8025% | 218 |
| Net loans and leases to total assets | 83.9258% | 378 |
| Net loans and leases to deposits | 92.4448% | 1,351 |
| Net loans and leases to core deposits | 101.6821% | 1,490 |
| Total domestic deposits to total assets | 90.7848% | 214 |
| Equity capital to assets | 8.6338% | 4,909 |
| Core capital (leverage) ratio | 9.0808% | 4,595 |
| Tier 1 risk-based capital ratio | 10.6863% | 5,120 |
| Total risk-based capital ratio | 11.9428% | 5,016 |
| Memoranda: | ||
| Average total assets | $118,955,000 | 3,819 |
| Average earning assets | $111,478,000 | 3,794 |
| Average equity | $10,348,000 | 4,280 |
| Average total loans | $102,461,500 | 3,279 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7460% | 1,689 |
| Cost of funding earning assets | 0.5189% | 3,234 |
| Net interest margin | 4.2271% | 1,335 |
| Noninterest income to average assets | 0.5884% | 2,357 |
| Noninterest expense to average assets | 2.8777% | 2,426 |
| Loan and lease loss provision to assets | 0.1391% | 1,547 |
| Net operating income to assets | 1.4677% | 1,210 |
| Return on assets (ROA) | 1.4297% | 1,329 |
| Pretax return on assets | 1.5036% | 1,775 |
| Return on Equity (ROE) | 16.0463% | 627 |
| Retained earnings to average equity (ytd only) | 2.4679% | 4,154 |
| Net charge-offs to loans | 0.0221% | 2,983 |
| Credit loss provision to net charge-offs | 727.2727% | 488 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 809 |
| Efficiency ratio | 63.1027% | 3,325 |
| Assets per employee ($millions) | 5.8669% | 1,616 |
| Cash dividends to net income (ytd only)* | 84.6201% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7192% | 804 |
| Loan loss allowance to noncurrent loans | 52.8012% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 2.8294% | 240 |
| Noncurrent loans to loans | 3.2561% | 292 |
| Net loans and leases to total assets | 85.4037% | 276 |
| Net loans and leases to deposits | 94.9139% | 1,180 |
| Net loans and leases to core deposits | 108.9049% | 1,057 |
| Total domestic deposits to total assets | 89.9802% | 486 |
| Equity capital to assets | 8.7661% | 4,755 |
| Core capital (leverage) ratio | 8.6660% | 4,908 |
| Tier 1 risk-based capital ratio | 10.7569% | 5,092 |
| Total risk-based capital ratio | 12.0138% | 4,977 |
| Memoranda: | ||
| Average total assets | $115,055,800 | 3,871 |
| Average earning assets | $108,113,000 | 3,834 |
| Average equity | $10,251,600 | 4,275 |
| Average total loans | $99,648,000 | 3,298 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6945% | 1,694 |
| Cost of funding earning assets | 0.4551% | 3,493 |
| Net interest margin | 4.2394% | 1,262 |
| Noninterest income to average assets | 0.5567% | 2,537 |
| Noninterest expense to average assets | 2.8440% | 2,481 |
| Loan and lease loss provision to assets | 0.0524% | 2,934 |
| Net operating income to assets | 1.5710% | 1,024 |
| Return on assets (ROA) | 1.5710% | 1,026 |
| Pretax return on assets | 1.6526% | 1,404 |
| Return on Equity (ROE) | 17.5595% | 476 |
| Retained earnings to average equity (ytd only) | 5.3759% | 3,018 |
| Net charge-offs to loans | -0.0013% | 4,041 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5192% | 3,426 |
| Assets per employee ($millions) | 5.9319% | 1,543 |
| Cash dividends to net income (ytd only)* | 69.3849% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6220% | 1,023 |
| Loan loss allowance to noncurrent loans | 45.4446% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 3.0808% | 228 |
| Noncurrent loans to loans | 3.5692% | 263 |
| Net loans and leases to total assets | 84.9155% | 366 |
| Net loans and leases to deposits | 96.9792% | 1,042 |
| Net loans and leases to core deposits | 107.1507% | 1,223 |
| Total domestic deposits to total assets | 87.5605% | 1,458 |
| Equity capital to assets | 8.8058% | 4,719 |
| Core capital (leverage) ratio | 9.2306% | 4,481 |
| Tier 1 risk-based capital ratio | 10.7243% | 5,159 |
| Total risk-based capital ratio | 11.9798% | 5,058 |
| Memoranda: | ||
| Average total assets | $114,485,250 | 3,915 |
| Average earning assets | $107,812,000 | 3,877 |
| Average equity | $10,243,000 | 4,314 |
| Average total loans | $99,069,000 | 3,337 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7083% | 1,484 |
| Cost of funding earning assets | 0.4058% | 3,683 |
| Net interest margin | 4.3025% | 1,029 |
| Noninterest income to average assets | 0.5818% | 2,424 |
| Noninterest expense to average assets | 2.8505% | 2,502 |
| Loan and lease loss provision to assets | 0.0530% | 2,854 |
| Net operating income to assets | 1.6428% | 817 |
| Return on assets (ROA) | 1.6428% | 823 |
| Pretax return on assets | 1.7277% | 1,146 |
| Return on Equity (ROE) | 18.2604% | 397 |
| Retained earnings to average equity (ytd only) | 5.9951% | 2,565 |
| Net charge-offs to loans | -0.0143% | 4,440 |
| Credit loss provision to net charge-offs | -428.5714% | 4,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5502% | 3,686 |
| Assets per employee ($millions) | 5.5866% | 1,811 |
| Cash dividends to net income (ytd only)* | 67.1690% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6656% | 968 |
| Loan loss allowance to noncurrent loans | 49.1374% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 3.0090% | 246 |
| Noncurrent loans to loans | 3.3896% | 296 |
| Net loans and leases to total assets | 87.2928% | 184 |
| Net loans and leases to deposits | 102.1673% | 650 |
| Net loans and leases to core deposits | 109.9272% | 1,009 |
| Total domestic deposits to total assets | 85.4411% | 2,516 |
| Equity capital to assets | 9.2534% | 4,330 |
| Core capital (leverage) ratio | 9.1566% | 4,511 |
| Tier 1 risk-based capital ratio | 11.2311% | 4,934 |
| Total risk-based capital ratio | 12.4880% | 4,828 |
| Memoranda: | ||
| Average total assets | $113,101,000 | 3,969 |
| Average earning assets | $106,450,330 | 3,940 |
| Average equity | $10,175,000 | 4,358 |
| Average total loans | $97,957,670 | 3,373 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5280% | 1,786 |
| Cost of funding earning assets | 0.3434% | 4,039 |
| Net interest margin | 4.1846% | 1,207 |
| Noninterest income to average assets | 0.5308% | 2,628 |
| Noninterest expense to average assets | 2.8334% | 2,593 |
| Loan and lease loss provision to assets | 0.0527% | 2,720 |
| Net operating income to assets | 1.5081% | 1,062 |
| Return on assets (ROA) | 1.5081% | 1,060 |
| Pretax return on assets | 1.5854% | 1,432 |
| Return on Equity (ROE) | 17.0019% | 511 |
| Retained earnings to average equity (ytd only) | 4.6369% | 3,348 |
| Net charge-offs to loans | -0.0123% | 4,339 |
| Credit loss provision to net charge-offs | -500.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3648% | 3,585 |
| Assets per employee ($millions) | 5.7799% | 1,704 |
| Cash dividends to net income (ytd only)* | 72.7273% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6432% | 1,070 |
| Loan loss allowance to noncurrent loans | 44.2908% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 3.1895% | 240 |
| Noncurrent loans to loans | 3.7099% | 277 |
| Net loans and leases to total assets | 84.5602% | 382 |
| Net loans and leases to deposits | 95.3351% | 1,089 |
| Net loans and leases to core deposits | 101.0190% | 1,611 |
| Total domestic deposits to total assets | 88.6978% | 1,259 |
| Equity capital to assets | 8.7822% | 4,761 |
| Core capital (leverage) ratio | 9.1111% | 4,557 |
| Tier 1 risk-based capital ratio | 10.9034% | 5,186 |
| Total risk-based capital ratio | 12.1602% | 5,088 |
| Memoranda: | ||
| Average total assets | $113,785,500 | 3,998 |
| Average earning assets | $107,154,500 | 3,968 |
| Average equity | $10,093,000 | 4,414 |
| Average total loans | $97,343,500 | 3,406 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3439% | 2,198 |
| Cost of funding earning assets | 0.3192% | 3,960 |
| Net interest margin | 4.0248% | 1,675 |
| Noninterest income to average assets | 0.7270% | 1,856 |
| Noninterest expense to average assets | 2.8802% | 2,523 |
| Loan and lease loss provision to assets | 0.1396% | 1,638 |
| Net operating income to assets | 1.4171% | 979 |
| Return on assets (ROA) | 1.4113% | 1,007 |
| Pretax return on assets | 1.4872% | 1,695 |
| Return on Equity (ROE) | 16.1846% | 460 |
| Retained earnings to average equity (ytd only) | 2.7325% | 3,678 |
| Net charge-offs to loans | 0.0296% | 3,208 |
| Credit loss provision to net charge-offs | 571.4286% | 562 |
| Earnings coverage of net charge-offs (x) | 66.8214% | 880 |
| Efficiency ratio | 63.8174% | 3,630 |
| Assets per employee ($millions) | 5.5987% | 1,848 |
| Cash dividends to net income (ytd only)* | 83.1169% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6946% | 956 |
| Loan loss allowance to noncurrent loans | 40.4458% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 3.5660% | 185 |
| Noncurrent loans to loans | 4.1897% | 219 |
| Net loans and leases to total assets | 83.6712% | 484 |
| Net loans and leases to deposits | 94.7024% | 1,199 |
| Net loans and leases to core deposits | 101.4422% | 1,593 |
| Total domestic deposits to total assets | 88.3518% | 1,328 |
| Equity capital to assets | 8.9610% | 4,761 |
| Core capital (leverage) ratio | 8.8832% | 4,772 |
| Tier 1 risk-based capital ratio | 11.1710% | 5,052 |
| Total risk-based capital ratio | 12.4269% | 4,924 |
| Memoranda: | ||
| Average total assets | $114,577,200 | 3,987 |
| Average earning assets | $107,782,600 | 3,953 |
| Average equity | $9,991,000 | 4,449 |
| Average total loans | $94,721,000 | 3,438 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2964% | 2,270 |
| Cost of funding earning assets | 0.3109% | 4,016 |
| Net interest margin | 3.9855% | 1,757 |
| Noninterest income to average assets | 0.7417% | 1,823 |
| Noninterest expense to average assets | 2.8222% | 2,653 |
| Loan and lease loss provision to assets | 0.0521% | 3,057 |
| Net operating income to assets | 1.5389% | 816 |
| Return on assets (ROA) | 1.5389% | 844 |
| Pretax return on assets | 1.6199% | 1,351 |
| Return on Equity (ROE) | 17.7680% | 352 |
| Retained earnings to average equity (ytd only) | 5.9049% | 2,305 |
| Net charge-offs to loans | 0.0508% | 2,414 |
| Credit loss provision to net charge-offs | 125.0000% | 1,938 |
| Earnings coverage of net charge-offs (x) | 40.1379% | 1,292 |
| Efficiency ratio | 62.7961% | 3,756 |
| Assets per employee ($millions) | 5.8952% | 1,574 |
| Cash dividends to net income (ytd only)* | 66.7669% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 1,355 |
| Loan loss allowance to noncurrent loans | 47.1108% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 2.6861% | 367 |
| Noncurrent loans to loans | 3.2966% | 355 |
| Net loans and leases to total assets | 80.2161% | 955 |
| Net loans and leases to deposits | 90.3591% | 1,767 |
| Net loans and leases to core deposits | 97.8795% | 1,896 |
| Total domestic deposits to total assets | 88.7748% | 988 |
| Equity capital to assets | 8.6503% | 5,189 |
| Core capital (leverage) ratio | 9.3208% | 4,381 |
| Tier 1 risk-based capital ratio | 11.2661% | 5,098 |
| Total risk-based capital ratio | 12.5206% | 4,990 |
| Memoranda: | ||
| Average total assets | $115,228,000 | 4,012 |
| Average earning assets | $108,490,250 | 3,987 |
| Average equity | $9,980,250 | 4,493 |
| Average total loans | $94,575,000 | 3,469 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3093% | 2,093 |
| Cost of funding earning assets | 0.3044% | 4,039 |
| Net interest margin | 4.0050% | 1,589 |
| Noninterest income to average assets | 0.8431% | 1,431 |
| Noninterest expense to average assets | 2.8967% | 2,435 |
| Loan and lease loss provision to assets | 0.0525% | 2,934 |
| Net operating income to assets | 1.5848% | 731 |
| Return on assets (ROA) | 1.5848% | 750 |
| Pretax return on assets | 1.6688% | 1,129 |
| Return on Equity (ROE) | 18.2895% | 308 |
| Retained earnings to average equity (ytd only) | 6.6617% | 1,761 |
| Net charge-offs to loans | 0.0808% | 1,810 |
| Credit loss provision to net charge-offs | 78.9474% | 2,276 |
| Earnings coverage of net charge-offs (x) | 25.8947% | 1,591 |
| Efficiency ratio | 62.7273% | 3,857 |
| Assets per employee ($millions) | 5.4411% | 1,929 |
| Cash dividends to net income (ytd only)* | 63.5762% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5582% | 1,368 |
| Loan loss allowance to noncurrent loans | 51.8818% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 2.6125% | 396 |
| Noncurrent loans to loans | 3.0033% | 431 |
| Net loans and leases to total assets | 85.6325% | 300 |
| Net loans and leases to deposits | 97.5821% | 927 |
| Net loans and leases to core deposits | 102.1227% | 1,500 |
| Total domestic deposits to total assets | 87.7543% | 1,589 |
| Equity capital to assets | 9.2693% | 4,653 |
| Core capital (leverage) ratio | 9.0054% | 4,718 |
| Tier 1 risk-based capital ratio | 11.0693% | 5,215 |
| Total risk-based capital ratio | 12.3243% | 5,107 |
| Memoranda: | ||
| Average total assets | $114,336,000 | 4,053 |
| Average earning assets | $107,766,330 | 4,022 |
| Average equity | $9,907,330 | 4,518 |
| Average total loans | $94,076,670 | 3,495 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1748% | 2,362 |
| Cost of funding earning assets | 0.2969% | 4,076 |
| Net interest margin | 3.8779% | 1,861 |
| Noninterest income to average assets | 0.6115% | 2,364 |
| Noninterest expense to average assets | 2.8456% | 2,633 |
| Loan and lease loss provision to assets | 0.0512% | 2,784 |
| Net operating income to assets | 1.3015% | 1,236 |
| Return on assets (ROA) | 1.3015% | 1,270 |
| Pretax return on assets | 1.3733% | 1,975 |
| Return on Equity (ROE) | 15.5233% | 588 |
| Retained earnings to average equity (ytd only) | 4.7670% | 3,029 |
| Net charge-offs to loans | 0.1535% | 1,041 |
| Credit loss provision to net charge-offs | 41.6667% | 2,053 |
| Earnings coverage of net charge-offs (x) | 11.5833% | 1,881 |
| Efficiency ratio | 66.6400% | 3,387 |
| Assets per employee ($millions) | 5.9568% | 1,536 |
| Cash dividends to net income (ytd only)* | 69.2913% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5385% | 1,544 |
| Loan loss allowance to noncurrent loans | 88.6598% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.4034% | 1,189 |
| Noncurrent loans to loans | 1.7353% | 1,102 |
| Net loans and leases to total assets | 78.5361% | 1,045 |
| Net loans and leases to deposits | 88.1947% | 1,771 |
| Net loans and leases to core deposits | 92.8288% | 2,087 |
| Total domestic deposits to total assets | 89.0486% | 1,121 |
| Equity capital to assets | 8.2889% | 5,359 |
| Core capital (leverage) ratio | 8.9546% | 4,791 |
| Tier 1 risk-based capital ratio | 10.5121% | 5,534 |
| Total risk-based capital ratio | 11.7659% | 5,459 |
| Memoranda: | ||
| Average total assets | $117,093,000 | 4,042 |
| Average earning assets | $110,473,000 | 4,007 |
| Average equity | $9,817,500 | 4,568 |
| Average total loans | $93,784,000 | 3,518 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4245% | 1,763 |
| Cost of funding earning assets | 0.3125% | 3,919 |
| Net interest margin | 4.1120% | 1,359 |
| Noninterest income to average assets | 0.5723% | 2,802 |
| Noninterest expense to average assets | 2.8008% | 3,020 |
| Loan and lease loss provision to assets | 0.2318% | 934 |
| Net operating income to assets | 1.3291% | 1,146 |
| Return on assets (ROA) | 1.3291% | 1,202 |
| Pretax return on assets | 1.3986% | 1,946 |
| Return on Equity (ROE) | 15.4195% | 575 |
| Retained earnings to average equity (ytd only) | 4.0022% | 3,071 |
| Net charge-offs to loans | 0.1001% | 2,278 |
| Credit loss provision to net charge-offs | 282.6087% | 1,034 |
| Earnings coverage of net charge-offs (x) | 19.8804% | 1,891 |
| Efficiency ratio | 63.2066% | 4,073 |
| Assets per employee ($millions) | 5.7526% | 1,659 |
| Cash dividends to net income (ytd only)* | 74.0443% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6025% | 1,366 |
| Loan loss allowance to noncurrent loans | 88.0641% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 1.4637% | 1,154 |
| Noncurrent loans to loans | 1.8197% | 1,045 |
| Net loans and leases to total assets | 79.1466% | 1,018 |
| Net loans and leases to deposits | 89.2578% | 1,771 |
| Net loans and leases to core deposits | 96.0964% | 1,917 |
| Total domestic deposits to total assets | 88.6720% | 1,285 |
| Equity capital to assets | 8.4832% | 5,281 |
| Core capital (leverage) ratio | 8.7641% | 5,011 |
| Tier 1 risk-based capital ratio | 10.7458% | 5,464 |
| Total risk-based capital ratio | 12.0010% | 5,363 |
| Memoranda: | ||
| Average total assets | $112,184,000 | 4,123 |
| Average earning assets | $105,277,000 | 4,094 |
| Average equity | $9,669,600 | 4,640 |
| Average total loans | $91,904,600 | 3,536 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4403% | 1,726 |
| Cost of funding earning assets | 0.3101% | 3,976 |
| Net interest margin | 4.1302% | 1,313 |
| Noninterest income to average assets | 0.5586% | 2,878 |
| Noninterest expense to average assets | 2.8133% | 2,958 |
| Loan and lease loss provision to assets | 0.0538% | 3,185 |
| Net operating income to assets | 1.4617% | 953 |
| Return on assets (ROA) | 1.4617% | 999 |
| Pretax return on assets | 1.5622% | 1,490 |
| Return on Equity (ROE) | 16.8891% | 456 |
| Retained earnings to average equity (ytd only) | 7.2698% | 1,492 |
| Net charge-offs to loans | 0.0232% | 3,217 |
| Credit loss provision to net charge-offs | 281.2500% | 1,094 |
| Earnings coverage of net charge-offs (x) | 84.4487% | 747 |
| Efficiency ratio | 63.5161% | 4,000 |
| Assets per employee ($millions) | 5.7188% | 1,648 |
| Cash dividends to net income (ytd only)* | 56.9561% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4377% | 2,033 |
| Loan loss allowance to noncurrent loans | 75.2941% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 1.5685% | 1,123 |
| Noncurrent loans to loans | 1.9094% | 1,047 |
| Net loans and leases to total assets | 80.5580% | 810 |
| Net loans and leases to deposits | 91.1140% | 1,619 |
| Net loans and leases to core deposits | 99.8050% | 1,655 |
| Total domestic deposits to total assets | 88.4145% | 1,185 |
| Equity capital to assets | 8.6618% | 5,425 |
| Core capital (leverage) ratio | 9.2516% | 4,528 |
| Tier 1 risk-based capital ratio | 10.7688% | 5,494 |
| Total risk-based capital ratio | 12.0209% | 5,397 |
| Memoranda: | ||
| Average total assets | $111,467,250 | 4,162 |
| Average earning assets | $104,464,000 | 4,133 |
| Average equity | $9,647,000 | 4,689 |
| Average total loans | $91,745,250 | 3,557 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4389% | 1,714 |
| Cost of funding earning assets | 0.3011% | 4,116 |
| Net interest margin | 4.1379% | 1,268 |
| Noninterest income to average assets | 0.5032% | 3,169 |
| Noninterest expense to average assets | 2.7512% | 3,191 |
| Loan and lease loss provision to assets | 0.0543% | 3,065 |
| Net operating income to assets | 1.4661% | 949 |
| Return on assets (ROA) | 1.4661% | 997 |
| Pretax return on assets | 1.5783% | 1,428 |
| Return on Equity (ROE) | 16.9450% | 443 |
| Retained earnings to average equity (ytd only) | 7.9077% | 1,199 |
| Net charge-offs to loans | 0.0088% | 3,400 |
| Credit loss provision to net charge-offs | 750.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 225.5000% | 290 |
| Efficiency ratio | 62.7581% | 4,217 |
| Assets per employee ($millions) | 5.3070% | 1,976 |
| Cash dividends to net income (ytd only)* | 53.3333% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4523% | 2,058 |
| Loan loss allowance to noncurrent loans | 80.4439% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 1.5706% | 1,191 |
| Noncurrent loans to loans | 1.8054% | 1,140 |
| Net loans and leases to total assets | 85.7300% | 270 |
| Net loans and leases to deposits | 98.1046% | 879 |
| Net loans and leases to core deposits | 106.1799% | 1,169 |
| Total domestic deposits to total assets | 87.3864% | 1,720 |
| Equity capital to assets | 9.1974% | 5,069 |
| Core capital (leverage) ratio | 9.0459% | 4,776 |
| Tier 1 risk-based capital ratio | 10.9020% | 5,477 |
| Total risk-based capital ratio | 12.1554% | 5,394 |
| Memoranda: | ||
| Average total assets | $110,497,670 | 4,217 |
| Average earning assets | $103,628,670 | 4,182 |
| Average equity | $9,560,330 | 4,731 |
| Average total loans | $91,166,000 | 3,584 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3274% | 2,040 |
| Cost of funding earning assets | 0.2918% | 4,263 |
| Net interest margin | 4.0356% | 1,518 |
| Noninterest income to average assets | 0.4047% | 3,797 |
| Noninterest expense to average assets | 2.7406% | 3,273 |
| Loan and lease loss provision to assets | 0.0532% | 2,875 |
| Net operating income to assets | 1.2531% | 1,398 |
| Return on assets (ROA) | 1.2531% | 1,494 |
| Pretax return on assets | 1.3916% | 1,931 |
| Return on Equity (ROE) | 14.9268% | 679 |
| Retained earnings to average equity (ytd only) | 5.7931% | 2,475 |
| Net charge-offs to loans | -0.0044% | 4,258 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4792% | 3,880 |
| Assets per employee ($millions) | 6.0247% | 1,390 |
| Cash dividends to net income (ytd only)* | 61.1898% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4515% | 2,193 |
| Loan loss allowance to noncurrent loans | 75.4108% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 1.6039% | 1,243 |
| Noncurrent loans to loans | 1.9248% | 1,127 |
| Net loans and leases to total assets | 78.9436% | 959 |
| Net loans and leases to deposits | 88.5846% | 1,751 |
| Net loans and leases to core deposits | 94.6756% | 1,918 |
| Total domestic deposits to total assets | 89.1167% | 1,045 |
| Equity capital to assets | 8.3210% | 5,685 |
| Core capital (leverage) ratio | 8.9499% | 4,916 |
| Tier 1 risk-based capital ratio | 10.4090% | 5,787 |
| Total risk-based capital ratio | 11.6612% | 5,711 |
| Memoranda: | ||
| Average total assets | $112,677,000 | 4,210 |
| Average earning assets | $105,560,500 | 4,169 |
| Average equity | $9,459,500 | 4,769 |
| Average total loans | $90,582,000 | 3,610 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4477% | 1,753 |
| Cost of funding earning assets | 0.2879% | 4,386 |
| Net interest margin | 4.1598% | 1,258 |
| Noninterest income to average assets | 0.6445% | 2,493 |
| Noninterest expense to average assets | 2.9120% | 2,816 |
| Loan and lease loss provision to assets | 0.2418% | 791 |
| Net operating income to assets | 1.3095% | 1,245 |
| Return on assets (ROA) | 1.3095% | 1,299 |
| Pretax return on assets | 1.3737% | 2,007 |
| Return on Equity (ROE) | 15.0740% | 675 |
| Retained earnings to average equity (ytd only) | 3.5116% | 3,565 |
| Net charge-offs to loans | -0.1087% | 5,802 |
| Credit loss provision to net charge-offs | -268.0412% | 5,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3180% | 4,195 |
| Assets per employee ($millions) | 5.5443% | 1,748 |
| Cash dividends to net income (ytd only)* | 76.7045% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4698% | 2,133 |
| Loan loss allowance to noncurrent loans | 65.6843% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 1.8704% | 985 |
| Noncurrent loans to loans | 2.2377% | 873 |
| Net loans and leases to total assets | 79.4986% | 918 |
| Net loans and leases to deposits | 88.8334% | 1,771 |
| Net loans and leases to core deposits | 93.9066% | 2,054 |
| Total domestic deposits to total assets | 89.4918% | 861 |
| Equity capital to assets | 8.4718% | 5,587 |
| Core capital (leverage) ratio | 8.7289% | 5,186 |
| Tier 1 risk-based capital ratio | 10.6098% | 5,723 |
| Total risk-based capital ratio | 11.8629% | 5,644 |
| Memoranda: | ||
| Average total assets | $107,520,600 | 4,306 |
| Average earning assets | $100,366,200 | 4,277 |
| Average equity | $9,340,600 | 4,780 |
| Average total loans | $89,253,400 | 3,605 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4675% | 1,701 |
| Cost of funding earning assets | 0.2842% | 4,514 |
| Net interest margin | 4.1833% | 1,202 |
| Noninterest income to average assets | 0.5299% | 3,164 |
| Noninterest expense to average assets | 2.8833% | 2,902 |
| Loan and lease loss provision to assets | 0.0562% | 3,065 |
| Net operating income to assets | 1.4185% | 1,066 |
| Return on assets (ROA) | 1.4185% | 1,110 |
| Pretax return on assets | 1.4910% | 1,705 |
| Return on Equity (ROE) | 16.2245% | 560 |
| Retained earnings to average equity (ytd only) | 6.9615% | 1,709 |
| Net charge-offs to loans | -0.1390% | 5,901 |
| Credit loss provision to net charge-offs | -48.3871% | 4,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0776% | 4,050 |
| Assets per employee ($millions) | 5.4455% | 1,832 |
| Cash dividends to net income (ytd only)* | 57.0924% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2008% | 3,652 |
| Loan loss allowance to noncurrent loans | 54.9373% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 2.0136% | 1,013 |
| Noncurrent loans to loans | 2.1858% | 1,011 |
| Net loans and leases to total assets | 82.7966% | 497 |
| Net loans and leases to deposits | 92.1430% | 1,390 |
| Net loans and leases to core deposits | 99.1577% | 1,588 |
| Total domestic deposits to total assets | 89.8567% | 638 |
| Equity capital to assets | 8.7835% | 5,504 |
| Core capital (leverage) ratio | 9.2756% | 4,616 |
| Tier 1 risk-based capital ratio | 10.5395% | 5,866 |
| Total risk-based capital ratio | 11.7513% | 5,814 |
| Memoranda: | ||
| Average total assets | $106,679,500 | 4,371 |
| Average earning assets | $99,471,500 | 4,346 |
| Average equity | $9,327,250 | 4,842 |
| Average total loans | $89,200,000 | 3,639 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5174% | 1,479 |
| Cost of funding earning assets | 0.2806% | 4,606 |
| Net interest margin | 4.2368% | 1,030 |
| Noninterest income to average assets | 0.5399% | 3,109 |
| Noninterest expense to average assets | 2.9943% | 2,566 |
| Loan and lease loss provision to assets | 0.0566% | 2,968 |
| Net operating income to assets | 1.3820% | 1,129 |
| Return on assets (ROA) | 1.3820% | 1,167 |
| Pretax return on assets | 1.4518% | 1,796 |
| Return on Equity (ROE) | 15.8310% | 630 |
| Retained earnings to average equity (ytd only) | 6.4881% | 1,953 |
| Net charge-offs to loans | -0.2282% | 6,057 |
| Credit loss provision to net charge-offs | -29.7030% | 4,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4990% | 3,919 |
| Assets per employee ($millions) | 4.6147% | 2,810 |
| Cash dividends to net income (ytd only)* | 59.0164% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 3,712 |
| Loan loss allowance to noncurrent loans | 64.7444% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 1.8567% | 1,234 |
| Noncurrent loans to loans | 1.8742% | 1,345 |
| Net loans and leases to total assets | 87.3280% | 175 |
| Net loans and leases to deposits | 98.6624% | 738 |
| Net loans and leases to core deposits | 103.4612% | 1,224 |
| Total domestic deposits to total assets | 88.5120% | 1,408 |
| Equity capital to assets | 9.2501% | 4,956 |
| Core capital (leverage) ratio | 9.0412% | 4,901 |
| Tier 1 risk-based capital ratio | 10.6654% | 5,854 |
| Total risk-based capital ratio | 11.9082% | 5,797 |
| Memoranda: | ||
| Average total assets | $105,936,330 | 4,422 |
| Average earning assets | $99,084,000 | 4,392 |
| Average equity | $9,247,670 | 4,896 |
| Average total loans | $88,510,330 | 3,677 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4678% | 1,556 |
| Cost of funding earning assets | 0.2731% | 4,749 |
| Net interest margin | 4.1948% | 1,072 |
| Noninterest income to average assets | 0.4697% | 3,505 |
| Noninterest expense to average assets | 3.0330% | 2,474 |
| Loan and lease loss provision to assets | 0.0555% | 2,825 |
| Net operating income to assets | 1.2391% | 1,434 |
| Return on assets (ROA) | 1.2391% | 1,520 |
| Pretax return on assets | 1.3020% | 2,276 |
| Return on Equity (ROE) | 14.6033% | 770 |
| Retained earnings to average equity (ytd only) | 5.1874% | 2,955 |
| Net charge-offs to loans | -0.0137% | 4,868 |
| Credit loss provision to net charge-offs | -500.0000% | 4,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0817% | 3,644 |
| Assets per employee ($millions) | 4.9076% | 2,482 |
| Cash dividends to net income (ytd only)* | 64.4776% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1030% | 4,502 |
| Loan loss allowance to noncurrent loans | 70.0646% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 1.3587% | 1,955 |
| Noncurrent loans to loans | 1.5743% | 1,777 |
| Net loans and leases to total assets | 81.0499% | 564 |
| Net loans and leases to deposits | 88.7766% | 1,533 |
| Net loans and leases to core deposits | 92.8536% | 1,869 |
| Total domestic deposits to total assets | 91.2965% | 276 |
| Equity capital to assets | 8.5470% | 5,707 |
| Core capital (leverage) ratio | 8.9333% | 5,034 |
| Tier 1 risk-based capital ratio | 10.4771% | 6,020 |
| Total risk-based capital ratio | 11.5929% | 6,013 |
| Memoranda: | ||
| Average total assets | $108,143,000 | 4,407 |
| Average earning assets | $101,078,000 | 4,367 |
| Average equity | $9,176,000 | 4,945 |
| Average total loans | $87,892,000 | 3,706 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5232% | 1,779 |
| Cost of funding earning assets | 0.3269% | 4,527 |
| Net interest margin | 4.1964% | 1,311 |
| Noninterest income to average assets | 0.6470% | 2,569 |
| Noninterest expense to average assets | 2.9431% | 3,020 |
| Loan and lease loss provision to assets | 0.2515% | 902 |
| Net operating income to assets | 1.3482% | 1,190 |
| Return on assets (ROA) | 1.3482% | 1,244 |
| Pretax return on assets | 1.3637% | 2,022 |
| Return on Equity (ROE) | 15.6345% | 673 |
| Retained earnings to average equity (ytd only) | 5.9442% | 1,963 |
| Net charge-offs to loans | 0.3031% | 1,457 |
| Credit loss provision to net charge-offs | 103.5857% | 2,310 |
| Earnings coverage of net charge-offs (x) | 6.6534% | 3,159 |
| Efficiency ratio | 64.5661% | 4,489 |
| Assets per employee ($millions) | 5.1580% | 2,116 |
| Cash dividends to net income (ytd only)* | 61.9799% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 4,552 |
| Loan loss allowance to noncurrent loans | 77.6967% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 1.2168% | 2,344 |
| Noncurrent loans to loans | 1.4124% | 2,078 |
| Net loans and leases to total assets | 79.7116% | 774 |
| Net loans and leases to deposits | 87.2485% | 1,819 |
| Net loans and leases to core deposits | 91.2957% | 2,158 |
| Total domestic deposits to total assets | 91.3615% | 255 |
| Equity capital to assets | 8.4233% | 5,811 |
| Core capital (leverage) ratio | 8.8031% | 5,242 |
| Tier 1 risk-based capital ratio | 9.8074% | 6,303 |
| Total risk-based capital ratio | 10.8462% | 6,318 |
| Memoranda: | ||
| Average total assets | $103,394,600 | 4,517 |
| Average earning assets | $96,369,000 | 4,498 |
| Average equity | $8,916,200 | 4,995 |
| Average total loans | $82,798,800 | 3,800 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5351% | 1,748 |
| Cost of funding earning assets | 0.3394% | 4,472 |
| Net interest margin | 4.1958% | 1,301 |
| Noninterest income to average assets | 0.6238% | 2,721 |
| Noninterest expense to average assets | 2.9795% | 2,868 |
| Loan and lease loss provision to assets | 0.0587% | 3,194 |
| Net operating income to assets | 1.4199% | 1,091 |
| Return on assets (ROA) | 1.4199% | 1,130 |
| Pretax return on assets | 1.4904% | 1,674 |
| Return on Equity (ROE) | 16.3649% | 633 |
| Retained earnings to average equity (ytd only) | 6.6182% | 2,032 |
| Net charge-offs to loans | 0.0800% | 3,058 |
| Credit loss provision to net charge-offs | 91.8367% | 2,399 |
| Earnings coverage of net charge-offs (x) | 24.2252% | 1,553 |
| Efficiency ratio | 65.7925% | 4,246 |
| Assets per employee ($millions) | 4.8972% | 2,383 |
| Cash dividends to net income (ytd only)* | 59.5590% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1223% | 4,651 |
| Loan loss allowance to noncurrent loans | 62.2530% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 1.6462% | 1,840 |
| Noncurrent loans to loans | 1.8028% | 1,794 |
| Net loans and leases to total assets | 80.9553% | 615 |
| Net loans and leases to deposits | 89.0229% | 1,550 |
| Net loans and leases to core deposits | 93.3929% | 1,925 |
| Total domestic deposits to total assets | 90.9376% | 382 |
| Equity capital to assets | 8.8087% | 5,539 |
| Core capital (leverage) ratio | 9.1094% | 4,920 |
| Tier 1 risk-based capital ratio | 10.0531% | 6,332 |
| Total risk-based capital ratio | 11.0848% | 6,352 |
| Memoranda: | ||
| Average total assets | $102,163,750 | 4,593 |
| Average earning assets | $95,077,250 | 4,572 |
| Average equity | $8,864,250 | 5,045 |
| Average total loans | $81,673,500 | 3,853 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4494% | 1,996 |
| Cost of funding earning assets | 0.3455% | 4,474 |
| Net interest margin | 4.1039% | 1,497 |
| Noninterest income to average assets | 0.6298% | 2,655 |
| Noninterest expense to average assets | 2.9626% | 2,958 |
| Loan and lease loss provision to assets | 0.0589% | 3,098 |
| Net operating income to assets | 1.3989% | 1,063 |
| Return on assets (ROA) | 1.3989% | 1,104 |
| Pretax return on assets | 1.4303% | 1,782 |
| Return on Equity (ROE) | 16.2058% | 638 |
| Retained earnings to average equity (ytd only) | 6.3868% | 2,097 |
| Net charge-offs to loans | -0.4924% | 6,511 |
| Credit loss provision to net charge-offs | -15.0754% | 5,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5491% | 4,273 |
| Assets per employee ($millions) | 4.7440% | 2,545 |
| Cash dividends to net income (ytd only)* | 60.5891% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4338% | 3,173 |
| Loan loss allowance to noncurrent loans | 56.0952% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 2.1852% | 1,398 |
| Noncurrent loans to loans | 2.5560% | 1,213 |
| Net loans and leases to total assets | 81.2895% | 542 |
| Net loans and leases to deposits | 89.4780% | 1,422 |
| Net loans and leases to core deposits | 94.0176% | 1,776 |
| Total domestic deposits to total assets | 90.8485% | 456 |
| Equity capital to assets | 8.9558% | 5,348 |
| Core capital (leverage) ratio | 8.6817% | 5,428 |
| Tier 1 risk-based capital ratio | 10.2331% | 6,328 |
| Total risk-based capital ratio | 11.3023% | 6,338 |
| Memoranda: | ||
| Average total assets | $101,937,670 | 4,637 |
| Average earning assets | $94,933,330 | 4,616 |
| Average equity | $8,799,330 | 5,083 |
| Average total loans | $80,831,000 | 3,886 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3404% | 2,361 |
| Cost of funding earning assets | 0.3499% | 4,542 |
| Net interest margin | 3.9905% | 1,804 |
| Noninterest income to average assets | 0.6751% | 2,320 |
| Noninterest expense to average assets | 2.9875% | 2,904 |
| Loan and lease loss provision to assets | 0.0582% | 2,949 |
| Net operating income to assets | 1.3192% | 1,167 |
| Return on assets (ROA) | 1.3192% | 1,212 |
| Pretax return on assets | 1.3463% | 1,930 |
| Return on Equity (ROE) | 15.5642% | 696 |
| Retained earnings to average equity (ytd only) | 5.6764% | 2,702 |
| Net charge-offs to loans | -0.0100% | 5,045 |
| Credit loss provision to net charge-offs | -750.0000% | 5,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0212% | 4,179 |
| Assets per employee ($millions) | 4.9914% | 2,260 |
| Cash dividends to net income (ytd only)* | 63.5294% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 4,703 |
| Loan loss allowance to noncurrent loans | 62.4434% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 1.5522% | 2,274 |
| Noncurrent loans to loans | 1.8990% | 1,997 |
| Net loans and leases to total assets | 76.7991% | 908 |
| Net loans and leases to deposits | 83.9556% | 1,821 |
| Net loans and leases to core deposits | 87.9829% | 2,099 |
| Total domestic deposits to total assets | 91.4758% | 389 |
| Equity capital to assets | 8.3830% | 5,759 |
| Core capital (leverage) ratio | 8.7288% | 5,345 |
| Tier 1 risk-based capital ratio | 9.9054% | 6,500 |
| Total risk-based capital ratio | 10.9740% | 6,501 |
| Memoranda: | ||
| Average total assets | $103,095,000 | 4,648 |
| Average earning assets | $96,028,000 | 4,626 |
| Average equity | $8,738,000 | 5,122 |
| Average total loans | $80,166,000 | 3,928 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4343% | 2,454 |
| Cost of funding earning assets | 0.4284% | 4,333 |
| Net interest margin | 4.0059% | 1,932 |
| Noninterest income to average assets | 0.7277% | 2,394 |
| Noninterest expense to average assets | 2.9515% | 3,194 |
| Loan and lease loss provision to assets | 0.2526% | 1,427 |
| Net operating income to assets | 1.2076% | 1,533 |
| Return on assets (ROA) | 1.2076% | 1,607 |
| Pretax return on assets | 1.2669% | 2,284 |
| Return on Equity (ROE) | 14.3942% | 872 |
| Retained earnings to average equity (ytd only) | 4.3889% | 3,051 |
| Net charge-offs to loans | 0.2156% | 2,734 |
| Credit loss provision to net charge-offs | 156.6265% | 1,472 |
| Earnings coverage of net charge-offs (x) | 9.4217% | 2,505 |
| Efficiency ratio | 66.0148% | 4,557 |
| Assets per employee ($millions) | 4.8272% | 2,407 |
| Cash dividends to net income (ytd only)* | 69.5093% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 4,642 |
| Loan loss allowance to noncurrent loans | 81.8103% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 1.2676% | 2,879 |
| Noncurrent loans to loans | 1.4708% | 2,686 |
| Net loans and leases to total assets | 76.8632% | 970 |
| Net loans and leases to deposits | 84.2792% | 1,895 |
| Net loans and leases to core deposits | 88.2602% | 2,216 |
| Total domestic deposits to total assets | 91.2006% | 502 |
| Equity capital to assets | 8.5715% | 5,502 |
| Core capital (leverage) ratio | 8.3802% | 5,803 |
| Tier 1 risk-based capital ratio | 10.0617% | 6,503 |
| Total risk-based capital ratio | 11.1252% | 6,511 |
| Memoranda: | ||
| Average total assets | $102,930,400 | 4,673 |
| Average earning assets | $96,182,400 | 4,614 |
| Average equity | $8,635,400 | 5,179 |
| Average total loans | $76,996,400 | 4,025 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3967% | 2,606 |
| Cost of funding earning assets | 0.4388% | 4,398 |
| Net interest margin | 3.9579% | 2,082 |
| Noninterest income to average assets | 0.7446% | 2,389 |
| Noninterest expense to average assets | 2.8906% | 3,333 |
| Loan and lease loss provision to assets | 0.0581% | 3,884 |
| Net operating income to assets | 1.4311% | 1,027 |
| Return on assets (ROA) | 1.4311% | 1,087 |
| Pretax return on assets | 1.4969% | 1,619 |
| Return on Equity (ROE) | 17.1495% | 524 |
| Retained earnings to average equity (ytd only) | 7.1289% | 1,817 |
| Net charge-offs to loans | 0.2944% | 2,063 |
| Credit loss provision to net charge-offs | 26.6272% | 3,958 |
| Earnings coverage of net charge-offs (x) | 7.1301% | 2,842 |
| Efficiency ratio | 65.0218% | 4,643 |
| Assets per employee ($millions) | 4.9556% | 2,222 |
| Cash dividends to net income (ytd only)* | 58.4311% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 5,962 |
| Loan loss allowance to noncurrent loans | 81.5848% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 0.9993% | 3,661 |
| Noncurrent loans to loans | 1.1461% | 3,515 |
| Net loans and leases to total assets | 74.4206% | 1,227 |
| Net loans and leases to deposits | 81.5611% | 2,195 |
| Net loans and leases to core deposits | 85.7314% | 2,441 |
| Total domestic deposits to total assets | 91.2451% | 443 |
| Equity capital to assets | 8.4550% | 5,783 |
| Core capital (leverage) ratio | 8.5312% | 5,741 |
| Tier 1 risk-based capital ratio | 10.1429% | 6,557 |
| Total risk-based capital ratio | 11.0053% | 6,630 |
| Memoranda: | ||
| Average total assets | $103,320,250 | 4,710 |
| Average earning assets | $96,615,000 | 4,655 |
| Average equity | $8,622,000 | 5,235 |
| Average total loans | $76,529,000 | 4,073 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3468% | 2,772 |
| Cost of funding earning assets | 0.4547% | 4,380 |
| Net interest margin | 3.8921% | 2,235 |
| Noninterest income to average assets | 0.8577% | 1,976 |
| Noninterest expense to average assets | 2.9533% | 3,151 |
| Loan and lease loss provision to assets | 0.0582% | 3,843 |
| Net operating income to assets | 1.4378% | 1,006 |
| Return on assets (ROA) | 1.4378% | 1,090 |
| Pretax return on assets | 1.4999% | 1,621 |
| Return on Equity (ROE) | 17.3070% | 529 |
| Retained earnings to average equity (ytd only) | 7.2171% | 1,781 |
| Net charge-offs to loans | 0.2343% | 2,318 |
| Credit loss provision to net charge-offs | 33.7079% | 3,523 |
| Earnings coverage of net charge-offs (x) | 9.0225% | 2,334 |
| Efficiency ratio | 65.4624% | 4,639 |
| Assets per employee ($millions) | 4.8103% | 2,356 |
| Cash dividends to net income (ytd only)* | 58.2996% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0308% | 5,708 |
| Loan loss allowance to noncurrent loans | 75.2363% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 1.2661% | 3,229 |
| Noncurrent loans to loans | 1.3701% | 3,261 |
| Net loans and leases to total assets | 75.6526% | 1,021 |
| Net loans and leases to deposits | 83.0060% | 1,927 |
| Net loans and leases to core deposits | 87.3854% | 2,185 |
| Total domestic deposits to total assets | 91.1411% | 498 |
| Equity capital to assets | 8.5807% | 5,686 |
| Core capital (leverage) ratio | 8.1913% | 6,019 |
| Tier 1 risk-based capital ratio | 10.1265% | 6,603 |
| Total risk-based capital ratio | 11.0810% | 6,652 |
| Memoranda: | ||
| Average total assets | $103,071,000 | 4,743 |
| Average earning assets | $96,760,670 | 4,680 |
| Average equity | $8,563,000 | 5,283 |
| Average total loans | $75,979,000 | 4,104 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2781% | 2,989 |
| Cost of funding earning assets | 0.4676% | 4,404 |
| Net interest margin | 3.8105% | 2,405 |
| Noninterest income to average assets | 0.7147% | 2,514 |
| Noninterest expense to average assets | 2.8665% | 3,477 |
| Loan and lease loss provision to assets | 0.0576% | 3,668 |
| Net operating income to assets | 1.2988% | 1,278 |
| Return on assets (ROA) | 1.2988% | 1,379 |
| Pretax return on assets | 1.3603% | 2,008 |
| Return on Equity (ROE) | 15.8863% | 628 |
| Retained earnings to average equity (ytd only) | 5.7341% | 2,821 |
| Net charge-offs to loans | 0.1911% | 2,268 |
| Credit loss provision to net charge-offs | 41.6667% | 2,724 |
| Earnings coverage of net charge-offs (x) | 10.2500% | 1,761 |
| Efficiency ratio | 66.9058% | 4,504 |
| Assets per employee ($millions) | 5.1239% | 2,065 |
| Cash dividends to net income (ytd only)* | 63.9053% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 5,639 |
| Loan loss allowance to noncurrent loans | 84.9287% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 1.0483% | 3,838 |
| Noncurrent loans to loans | 1.2846% | 3,631 |
| Net loans and leases to total assets | 70.2679% | 1,619 |
| Net loans and leases to deposits | 76.6654% | 2,528 |
| Net loans and leases to core deposits | 80.0943% | 2,795 |
| Total domestic deposits to total assets | 91.6553% | 318 |
| Equity capital to assets | 7.9460% | 6,410 |
| Core capital (leverage) ratio | 8.1399% | 6,002 |
| Tier 1 risk-based capital ratio | 9.9322% | 6,701 |
| Total risk-based capital ratio | 10.9352% | 6,717 |
| Memoranda: | ||
| Average total assets | $104,098,000 | 4,770 |
| Average earning assets | $97,519,500 | 4,701 |
| Average equity | $8,510,500 | 5,359 |
| Average total loans | $75,359,500 | 4,155 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6776% | 2,683 |
| Cost of funding earning assets | 0.5926% | 4,417 |
| Net interest margin | 4.0850% | 2,060 |
| Noninterest income to average assets | 0.6679% | 2,889 |
| Noninterest expense to average assets | 2.9721% | 3,374 |
| Loan and lease loss provision to assets | 0.1498% | 3,732 |
| Net operating income to assets | 1.3058% | 1,282 |
| Return on assets (ROA) | 1.3058% | 1,425 |
| Pretax return on assets | 1.3638% | 2,160 |
| Return on Equity (ROE) | 16.1804% | 636 |
| Retained earnings to average equity (ytd only) | 5.8326% | 2,172 |
| Net charge-offs to loans | 0.1637% | 4,068 |
| Credit loss provision to net charge-offs | 127.0492% | 2,221 |
| Earnings coverage of net charge-offs (x) | 12.8361% | 1,892 |
| Efficiency ratio | 66.2573% | 4,451 |
| Assets per employee ($millions) | 4.5725% | 2,833 |
| Cash dividends to net income (ytd only)* | 63.9526% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 5,342 |
| Loan loss allowance to noncurrent loans | 91.2487% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 1.0766% | 3,871 |
| Noncurrent loans to loans | 1.2615% | 3,725 |
| Net loans and leases to total assets | 72.9867% | 1,335 |
| Net loans and leases to deposits | 80.8397% | 2,172 |
| Net loans and leases to core deposits | 84.9004% | 2,439 |
| Total domestic deposits to total assets | 90.2858% | 809 |
| Equity capital to assets | 8.4209% | 6,109 |
| Core capital (leverage) ratio | 8.0622% | 6,128 |
| Tier 1 risk-based capital ratio | 10.2116% | 6,645 |
| Total risk-based capital ratio | 11.2847% | 6,660 |
| Memoranda: | ||
| Average total assets | $103,460,800 | 4,749 |
| Average earning assets | $96,694,400 | 4,671 |
| Average equity | $8,349,600 | 5,407 |
| Average total loans | $74,513,200 | 4,192 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5770% | 3,296 |
| Cost of funding earning assets | 0.6231% | 4,421 |
| Net interest margin | 3.9539% | 2,689 |
| Noninterest income to average assets | 0.6642% | 2,909 |
| Noninterest expense to average assets | 2.8131% | 3,939 |
| Loan and lease loss provision to assets | 0.0832% | 4,581 |
| Net operating income to assets | 1.3976% | 1,227 |
| Return on assets (ROA) | 1.3976% | 1,351 |
| Pretax return on assets | 1.4629% | 2,027 |
| Return on Equity (ROE) | 17.5011% | 552 |
| Retained earnings to average equity (ytd only) | 7.1159% | 2,050 |
| Net charge-offs to loans | 0.2235% | 3,378 |
| Credit loss provision to net charge-offs | 52.0000% | 4,349 |
| Earnings coverage of net charge-offs (x) | 9.6642% | 2,289 |
| Efficiency ratio | 64.5332% | 4,708 |
| Assets per employee ($millions) | 4.8420% | 2,386 |
| Cash dividends to net income (ytd only)* | 59.3409% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0111% | 6,033 |
| Loan loss allowance to noncurrent loans | 63.9798% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 1.3995% | 3,509 |
| Noncurrent loans to loans | 1.5803% | 3,420 |
| Net loans and leases to total assets | 73.3697% | 1,342 |
| Net loans and leases to deposits | 81.8868% | 2,132 |
| Net loans and leases to core deposits | 86.1885% | 2,436 |
| Total domestic deposits to total assets | 89.5988% | 1,072 |
| Equity capital to assets | 8.3526% | 6,383 |
| Core capital (leverage) ratio | 8.2127% | 6,128 |
| Tier 1 risk-based capital ratio | 10.0442% | 6,789 |
| Total risk-based capital ratio | 10.9898% | 6,849 |
| Memoranda: | ||
| Average total assets | $104,177,250 | 4,769 |
| Average earning assets | $97,353,500 | 4,707 |
| Average equity | $8,319,250 | 5,466 |
| Average total loans | $74,572,500 | 4,239 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5168% | 3,698 |
| Cost of funding earning assets | 0.6642% | 4,331 |
| Net interest margin | 3.8526% | 3,123 |
| Noninterest income to average assets | 0.7028% | 2,654 |
| Noninterest expense to average assets | 2.8397% | 3,867 |
| Loan and lease loss provision to assets | 0.0667% | 4,800 |
| Net operating income to assets | 1.3332% | 1,351 |
| Return on assets (ROA) | 1.3332% | 1,503 |
| Pretax return on assets | 1.3980% | 2,203 |
| Return on Equity (ROE) | 16.9464% | 641 |
| Retained earnings to average equity (ytd only) | 6.4881% | 2,389 |
| Net charge-offs to loans | 0.2745% | 2,942 |
| Credit loss provision to net charge-offs | 34.3137% | 4,369 |
| Earnings coverage of net charge-offs (x) | 7.5392% | 2,459 |
| Efficiency ratio | 65.9735% | 4,540 |
| Assets per employee ($millions) | 4.6967% | 2,572 |
| Cash dividends to net income (ytd only)* | 61.7143% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 6,109 |
| Loan loss allowance to noncurrent loans | 74.0196% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 1.3028% | 3,819 |
| Noncurrent loans to loans | 1.3670% | 3,869 |
| Net loans and leases to total assets | 74.8872% | 1,117 |
| Net loans and leases to deposits | 84.4543% | 1,797 |
| Net loans and leases to core deposits | 89.0794% | 2,089 |
| Total domestic deposits to total assets | 88.6719% | 1,726 |
| Equity capital to assets | 8.4730% | 6,236 |
| Core capital (leverage) ratio | 7.8419% | 6,416 |
| Tier 1 risk-based capital ratio | 10.1341% | 6,787 |
| Total risk-based capital ratio | 11.1004% | 6,856 |
| Memoranda: | ||
| Average total assets | $105,009,330 | 4,774 |
| Average earning assets | $98,166,670 | 4,710 |
| Average equity | $8,261,330 | 5,495 |
| Average total loans | $74,308,330 | 4,271 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5549% | 3,696 |
| Cost of funding earning assets | 0.6959% | 4,318 |
| Net interest margin | 3.8590% | 3,101 |
| Noninterest income to average assets | 0.6063% | 3,189 |
| Noninterest expense to average assets | 2.7912% | 4,069 |
| Loan and lease loss provision to assets | 0.0555% | 4,712 |
| Net operating income to assets | 1.2348% | 1,647 |
| Return on assets (ROA) | 1.2348% | 1,824 |
| Pretax return on assets | 1.3679% | 2,295 |
| Return on Equity (ROE) | 16.2659% | 766 |
| Retained earnings to average equity (ytd only) | 5.7466% | 3,114 |
| Net charge-offs to loans | 0.3992% | 2,104 |
| Credit loss provision to net charge-offs | 20.2703% | 3,771 |
| Earnings coverage of net charge-offs (x) | 5.2027% | 2,418 |
| Efficiency ratio | 66.2281% | 4,517 |
| Assets per employee ($millions) | 5.2930% | 1,894 |
| Cash dividends to net income (ytd only)* | 64.6707% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 6,163 |
| Loan loss allowance to noncurrent loans | 192.1914% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.5992% | 5,391 |
| Noncurrent loans to loans | 0.5334% | 5,597 |
| Net loans and leases to total assets | 66.2756% | 2,420 |
| Net loans and leases to deposits | 74.1186% | 3,109 |
| Net loans and leases to core deposits | 78.5960% | 3,248 |
| Total domestic deposits to total assets | 89.4183% | 1,415 |
| Equity capital to assets | 7.4266% | 6,806 |
| Core capital (leverage) ratio | 7.4920% | 6,639 |
| Tier 1 risk-based capital ratio | 9.6900% | 6,936 |
| Total risk-based capital ratio | 10.6418% | 6,979 |
| Memoranda: | ||
| Average total assets | $108,198,500 | 4,748 |
| Average earning assets | $101,166,000 | 4,670 |
| Average equity | $8,213,500 | 5,526 |
| Average total loans | $74,154,000 | 4,308 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8164% | 3,732 |
| Cost of funding earning assets | 0.9022% | 4,101 |
| Net interest margin | 3.9142% | 3,270 |
| Noninterest income to average assets | 0.5681% | 3,374 |
| Noninterest expense to average assets | 3.0946% | 3,215 |
| Loan and lease loss provision to assets | 0.0584% | 5,871 |
| Net operating income to assets | 1.0137% | 2,154 |
| Return on assets (ROA) | 1.0137% | 2,297 |
| Pretax return on assets | 1.0662% | 2,974 |
| Return on Equity (ROE) | 12.7424% | 1,219 |
| Retained earnings to average equity (ytd only) | 2.1767% | 4,668 |
| Net charge-offs to loans | 0.1214% | 5,172 |
| Credit loss provision to net charge-offs | 68.9655% | 4,890 |
| Earnings coverage of net charge-offs (x) | 13.2874% | 1,551 |
| Efficiency ratio | 73.3456% | 3,334 |
| Assets per employee ($millions) | 5.0116% | 2,188 |
| Cash dividends to net income (ytd only)* | 82.9175% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 5,770 |
| Loan loss allowance to noncurrent loans | 134.5336% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.8048% | 5,021 |
| Noncurrent loans to loans | 0.8271% | 5,033 |
| Net loans and leases to total assets | 69.4155% | 2,139 |
| Net loans and leases to deposits | 78.7825% | 2,714 |
| Net loans and leases to core deposits | 82.9247% | 3,038 |
| Total domestic deposits to total assets | 88.1104% | 2,087 |
| Equity capital to assets | 7.7649% | 6,708 |
| Core capital (leverage) ratio | 7.4858% | 6,656 |
| Tier 1 risk-based capital ratio | 9.8189% | 6,892 |
| Total risk-based capital ratio | 10.8752% | 6,930 |
| Memoranda: | ||
| Average total assets | $102,792,800 | 4,828 |
| Average earning assets | $95,881,400 | 4,756 |
| Average equity | $8,177,400 | 5,519 |
| Average total loans | $71,645,400 | 4,427 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7608% | 4,184 |
| Cost of funding earning assets | 0.9396% | 4,118 |
| Net interest margin | 3.8212% | 3,761 |
| Noninterest income to average assets | 0.5520% | 3,503 |
| Noninterest expense to average assets | 2.6945% | 4,748 |
| Loan and lease loss provision to assets | 0.0587% | 5,708 |
| Net operating income to assets | 1.2892% | 1,404 |
| Return on assets (ROA) | 1.2892% | 1,504 |
| Pretax return on assets | 1.3649% | 2,066 |
| Return on Equity (ROE) | 16.1064% | 665 |
| Retained earnings to average equity (ytd only) | 5.5427% | 2,832 |
| Net charge-offs to loans | 0.1482% | 4,586 |
| Credit loss provision to net charge-offs | 56.9620% | 4,874 |
| Earnings coverage of net charge-offs (x) | 13.8102% | 1,585 |
| Efficiency ratio | 65.4309% | 4,817 |
| Assets per employee ($millions) | 4.9426% | 2,271 |
| Cash dividends to net income (ytd only)* | 65.5872% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1282% | 5,775 |
| Loan loss allowance to noncurrent loans | 72.6381% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 1.3103% | 4,185 |
| Noncurrent loans to loans | 1.5532% | 3,956 |
| Net loans and leases to total assets | 68.8116% | 2,311 |
| Net loans and leases to deposits | 79.0847% | 2,799 |
| Net loans and leases to core deposits | 83.6188% | 3,111 |
| Total domestic deposits to total assets | 87.0100% | 2,653 |
| Equity capital to assets | 8.1199% | 6,624 |
| Core capital (leverage) ratio | 7.9823% | 6,416 |
| Tier 1 risk-based capital ratio | 10.3010% | 6,859 |
| Total risk-based capital ratio | 11.3755% | 6,912 |
| Memoranda: | ||
| Average total assets | $102,180,250 | 4,864 |
| Average earning assets | $95,360,250 | 4,809 |
| Average equity | $8,178,750 | 5,546 |
| Average total loans | $71,087,500 | 4,488 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7046% | 4,513 |
| Cost of funding earning assets | 0.9834% | 4,061 |
| Net interest margin | 3.7212% | 4,171 |
| Noninterest income to average assets | 0.5883% | 3,205 |
| Noninterest expense to average assets | 2.8492% | 4,234 |
| Loan and lease loss provision to assets | 0.0590% | 5,572 |
| Net operating income to assets | 1.0940% | 1,888 |
| Return on assets (ROA) | 1.0940% | 1,978 |
| Pretax return on assets | 1.1649% | 2,621 |
| Return on Equity (ROE) | 13.7357% | 1,035 |
| Retained earnings to average equity (ytd only) | 3.0634% | 4,327 |
| Net charge-offs to loans | 0.0057% | 5,797 |
| Credit loss provision to net charge-offs | 1,500.0000% | 227 |
| Earnings coverage of net charge-offs (x) | 311.0000% | 111 |
| Efficiency ratio | 69.9517% | 4,131 |
| Assets per employee ($millions) | 4.6334% | 2,637 |
| Cash dividends to net income (ytd only)* | 77.6978% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 5,488 |
| Loan loss allowance to noncurrent loans | 46.5499% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 2.2137% | 2,960 |
| Noncurrent loans to loans | 2.6088% | 2,765 |
| Net loans and leases to total assets | 73.3181% | 1,530 |
| Net loans and leases to deposits | 85.6217% | 1,837 |
| Net loans and leases to core deposits | 91.0402% | 2,249 |
| Total domestic deposits to total assets | 85.6303% | 3,537 |
| Equity capital to assets | 8.4582% | 6,229 |
| Core capital (leverage) ratio | 7.6563% | 6,619 |
| Tier 1 risk-based capital ratio | 10.2398% | 6,903 |
| Total risk-based capital ratio | 11.3951% | 6,924 |
| Memoranda: | ||
| Average total assets | $101,642,000 | 4,910 |
| Average earning assets | $95,183,670 | 4,839 |
| Average equity | $8,095,670 | 5,582 |
| Average total loans | $70,704,000 | 4,549 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6696% | 4,647 |
| Cost of funding earning assets | 1.0117% | 4,118 |
| Net interest margin | 3.6578% | 4,293 |
| Noninterest income to average assets | 0.5394% | 3,585 |
| Noninterest expense to average assets | 2.7319% | 4,713 |
| Loan and lease loss provision to assets | 0.0578% | 5,278 |
| Net operating income to assets | 1.1251% | 1,752 |
| Return on assets (ROA) | 1.1251% | 1,795 |
| Pretax return on assets | 1.1906% | 2,414 |
| Return on Equity (ROE) | 14.5482% | 898 |
| Retained earnings to average equity (ytd only) | 3.7865% | 3,905 |
| Net charge-offs to loans | -0.0114% | 6,396 |
| Credit loss provision to net charge-offs | -750.0000% | 6,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6350% | 4,531 |
| Assets per employee ($millions) | 4.9680% | 2,212 |
| Cash dividends to net income (ytd only)* | 73.9726% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 5,522 |
| Loan loss allowance to noncurrent loans | 66.2080% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 1.5336% | 3,946 |
| Noncurrent loans to loans | 1.8431% | 3,767 |
| Net loans and leases to total assets | 67.1913% | 2,713 |
| Net loans and leases to deposits | 78.0458% | 3,052 |
| Net loans and leases to core deposits | 83.1061% | 3,292 |
| Total domestic deposits to total assets | 86.0921% | 3,473 |
| Equity capital to assets | 7.7438% | 6,717 |
| Core capital (leverage) ratio | 7.4026% | 6,788 |
| Tier 1 risk-based capital ratio | 10.8941% | 6,575 |
| Total risk-based capital ratio | 12.1440% | 6,556 |
| Memoranda: | ||
| Average total assets | $103,812,000 | 4,895 |
| Average earning assets | $97,653,000 | 4,795 |
| Average equity | $8,028,500 | 5,596 |
| Average total loans | $69,947,500 | 4,621 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8752% | 5,139 |
| Cost of funding earning assets | 1.2390% | 4,295 |
| Net interest margin | 3.6362% | 4,641 |
| Noninterest income to average assets | 0.6229% | 3,325 |
| Noninterest expense to average assets | 2.7550% | 4,766 |
| Loan and lease loss provision to assets | 0.0575% | 6,563 |
| Net operating income to assets | 1.1777% | 1,470 |
| Return on assets (ROA) | 1.1777% | 1,542 |
| Pretax return on assets | 1.2160% | 2,171 |
| Return on Equity (ROE) | 15.2622% | 683 |
| Retained earnings to average equity (ytd only) | 3.6386% | 3,317 |
| Net charge-offs to loans | 0.0793% | 6,028 |
| Credit loss provision to net charge-offs | 111.1111% | 3,954 |
| Earnings coverage of net charge-offs (x) | 24.6111% | 857 |
| Efficiency ratio | 68.3873% | 4,481 |
| Assets per employee ($millions) | 4.9188% | 2,263 |
| Cash dividends to net income (ytd only)* | 76.1595% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2317% | 5,364 |
| Loan loss allowance to noncurrent loans | 66.1215% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 1.5306% | 4,022 |
| Noncurrent loans to loans | 1.8628% | 3,738 |
| Net loans and leases to total assets | 65.9083% | 3,485 |
| Net loans and leases to deposits | 77.3575% | 3,612 |
| Net loans and leases to core deposits | 82.5903% | 3,809 |
| Total domestic deposits to total assets | 85.1997% | 3,753 |
| Equity capital to assets | 7.7235% | 6,734 |
| Core capital (leverage) ratio | 7.2200% | 6,898 |
| Tier 1 risk-based capital ratio | 10.9958% | 6,328 |
| Total risk-based capital ratio | 12.2452% | 6,304 |
| Memoranda: | ||
| Average total assets | $104,354,600 | 4,862 |
| Average earning assets | $97,739,400 | 4,783 |
| Average equity | $8,052,600 | 5,698 |
| Average total loans | $68,103,000 | 4,745 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8938% | 5,296 |
| Cost of funding earning assets | 1.2704% | 4,437 |
| Net interest margin | 3.6233% | 4,759 |
| Noninterest income to average assets | 0.5913% | 3,498 |
| Noninterest expense to average assets | 2.5565% | 5,485 |
| Loan and lease loss provision to assets | 0.0765% | 6,280 |
| Net operating income to assets | 1.2833% | 1,368 |
| Return on assets (ROA) | 1.2833% | 1,451 |
| Pretax return on assets | 1.3496% | 2,033 |
| Return on Equity (ROE) | 16.6347% | 632 |
| Retained earnings to average equity (ytd only) | 5.9303% | 2,400 |
| Net charge-offs to loans | 0.0275% | 6,291 |
| Credit loss provision to net charge-offs | 428.5714% | 706 |
| Earnings coverage of net charge-offs (x) | 79.9122% | 383 |
| Efficiency ratio | 64.1920% | 5,210 |
| Assets per employee ($millions) | 5.1464% | 2,003 |
| Cash dividends to net income (ytd only)* | 64.3498% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3141% | 4,877 |
| Loan loss allowance to noncurrent loans | 71.5205% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 1.5681% | 4,092 |
| Noncurrent loans to loans | 1.8374% | 3,880 |
| Net loans and leases to total assets | 64.8634% | 3,936 |
| Net loans and leases to deposits | 76.6120% | 4,067 |
| Net loans and leases to core deposits | 81.9407% | 4,255 |
| Total domestic deposits to total assets | 84.6649% | 3,793 |
| Equity capital to assets | 8.0494% | 6,757 |
| Core capital (leverage) ratio | 7.5491% | 6,816 |
| Tier 1 risk-based capital ratio | 11.2915% | 6,105 |
| Total risk-based capital ratio | 12.5421% | 6,101 |
| Memoranda: | ||
| Average total assets | $104,619,500 | 4,917 |
| Average earning assets | $97,918,000 | 4,842 |
| Average equity | $8,071,250 | 5,765 |
| Average total loans | $67,896,500 | 4,836 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8955% | 5,410 |
| Cost of funding earning assets | 1.3086% | 4,483 |
| Net interest margin | 3.5869% | 4,875 |
| Noninterest income to average assets | 0.5343% | 3,839 |
| Noninterest expense to average assets | 2.5707% | 5,453 |
| Loan and lease loss provision to assets | 0.1141% | 5,764 |
| Net operating income to assets | 1.1523% | 1,695 |
| Return on assets (ROA) | 1.1523% | 1,753 |
| Pretax return on assets | 1.2112% | 2,379 |
| Return on Equity (ROE) | 15.1500% | 831 |
| Retained earnings to average equity (ytd only) | 4.3500% | 3,308 |
| Net charge-offs to loans | 0.0471% | 5,727 |
| Credit loss provision to net charge-offs | 375.0000% | 968 |
| Earnings coverage of net charge-offs (x) | 43.5625% | 676 |
| Efficiency ratio | 65.9834% | 4,982 |
| Assets per employee ($millions) | 5.0441% | 2,131 |
| Cash dividends to net income (ytd only)* | 71.2871% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3204% | 4,807 |
| Loan loss allowance to noncurrent loans | 78.1498% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 1.5672% | 4,111 |
| Noncurrent loans to loans | 1.6895% | 4,155 |
| Net loans and leases to total assets | 65.7124% | 3,893 |
| Net loans and leases to deposits | 77.9282% | 3,978 |
| Net loans and leases to core deposits | 83.7189% | 4,170 |
| Total domestic deposits to total assets | 84.3243% | 3,942 |
| Equity capital to assets | 8.0074% | 6,750 |
| Core capital (leverage) ratio | 7.1699% | 7,090 |
| Tier 1 risk-based capital ratio | 11.1911% | 6,048 |
| Total risk-based capital ratio | 12.4420% | 6,037 |
| Memoranda: | ||
| Average total assets | $105,183,670 | 4,939 |
| Average earning assets | $98,581,330 | 4,857 |
| Average equity | $8,000,000 | 5,801 |
| Average total loans | $67,978,330 | 4,863 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7827% | 5,955 |
| Cost of funding earning assets | 1.3279% | 4,633 |
| Net interest margin | 3.4548% | 5,357 |
| Noninterest income to average assets | 0.5776% | 3,434 |
| Noninterest expense to average assets | 2.4186% | 6,018 |
| Loan and lease loss provision to assets | 0.1118% | 5,495 |
| Net operating income to assets | 1.2373% | 1,436 |
| Return on assets (ROA) | 1.2373% | 1,510 |
| Pretax return on assets | 1.2857% | 2,090 |
| Return on Equity (ROE) | 16.6813% | 636 |
| Retained earnings to average equity (ytd only) | 5.8284% | 2,699 |
| Net charge-offs to loans | -0.0058% | 6,825 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3789% | 5,604 |
| Assets per employee ($millions) | 5.5058% | 1,665 |
| Cash dividends to net income (ytd only)* | 65.0602% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2877% | 5,004 |
| Loan loss allowance to noncurrent loans | 70.5977% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.6483% | 4,008 |
| Noncurrent loans to loans | 1.8239% | 4,027 |
| Net loans and leases to total assets | 60.8458% | 4,962 |
| Net loans and leases to deposits | 71.3718% | 5,144 |
| Net loans and leases to core deposits | 77.0498% | 5,131 |
| Total domestic deposits to total assets | 85.2519% | 3,533 |
| Equity capital to assets | 7.2542% | 7,247 |
| Core capital (leverage) ratio | 6.9203% | 7,296 |
| Tier 1 risk-based capital ratio | 10.7032% | 6,437 |
| Total risk-based capital ratio | 11.9548% | 6,425 |
| Memoranda: | ||
| Average total assets | $107,334,500 | 4,948 |
| Average earning assets | $100,612,500 | 4,861 |
| Average equity | $7,961,000 | 5,862 |
| Average total loans | $68,378,000 | 4,920 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3419% | 4,976 |
| Cost of funding earning assets | 1.8287% | 3,844 |
| Net interest margin | 3.5132% | 4,896 |
| Noninterest income to average assets | 0.4630% | 4,693 |
| Noninterest expense to average assets | 2.8113% | 4,929 |
| Loan and lease loss provision to assets | 0.0587% | 6,976 |
| Net operating income to assets | 0.8193% | 2,455 |
| Return on assets (ROA) | 0.8193% | 2,546 |
| Pretax return on assets | 0.8859% | 2,967 |
| Return on Equity (ROE) | 10.7683% | 1,484 |
| Retained earnings to average equity (ytd only) | -0.3474% | 5,041 |
| Net charge-offs to loans | 0.3482% | 4,488 |
| Credit loss provision to net charge-offs | 25.8621% | 6,918 |
| Earnings coverage of net charge-offs (x) | 4.1595% | 3,034 |
| Efficiency ratio | 74.8501% | 3,736 |
| Assets per employee ($millions) | 4.9787% | 2,249 |
| Cash dividends to net income (ytd only)* | 103.2258% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2238% | 5,218 |
| Loan loss allowance to noncurrent loans | 43.1644% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 2.5499% | 2,742 |
| Noncurrent loans to loans | 2.8353% | 2,716 |
| Net loans and leases to total assets | 65.0751% | 4,360 |
| Net loans and leases to deposits | 77.0035% | 4,563 |
| Net loans and leases to core deposits | 87.4232% | 5,394 |
| Total domestic deposits to total assets | 84.5093% | 3,792 |
| Equity capital to assets | 7.5885% | 6,956 |
| Core capital (leverage) ratio | 6.8782% | 7,327 |
| Tier 1 risk-based capital ratio | 10.5191% | 6,379 |
| Total risk-based capital ratio | 11.7544% | 6,371 |
| Memoranda: | ||
| Average total assets | $102,159,600 | 5,038 |
| Average earning assets | $95,752,800 | 4,953 |
| Average equity | $7,772,800 | 6,003 |
| Average total loans | $66,628,800 | 4,996 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4492% | 4,692 |
| Cost of funding earning assets | 1.9027% | 3,874 |
| Net interest margin | 3.5465% | 4,683 |
| Noninterest income to average assets | 0.4240% | 5,104 |
| Noninterest expense to average assets | 2.6768% | 5,425 |
| Loan and lease loss provision to assets | 0.0591% | 6,772 |
| Net operating income to assets | 0.9360% | 2,284 |
| Return on assets (ROA) | 0.9360% | 2,348 |
| Pretax return on assets | 1.0161% | 2,853 |
| Return on Equity (ROE) | 12.2941% | 1,289 |
| Retained earnings to average equity (ytd only) | 1.1207% | 4,694 |
| Net charge-offs to loans | 0.0888% | 5,795 |
| Credit loss provision to net charge-offs | 102.2727% | 4,974 |
| Earnings coverage of net charge-offs (x) | 18.6121% | 1,341 |
| Efficiency ratio | 71.3436% | 4,356 |
| Assets per employee ($millions) | 5.0820% | 2,043 |
| Cash dividends to net income (ytd only)* | 90.8840% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 3,556 |
| Loan loss allowance to noncurrent loans | 132.4641% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.8977% | 5,280 |
| Noncurrent loans to loans | 1.1166% | 5,082 |
| Net loans and leases to total assets | 63.4118% | 4,989 |
| Net loans and leases to deposits | 74.9579% | 5,213 |
| Net loans and leases to core deposits | 84.8643% | 5,977 |
| Total domestic deposits to total assets | 84.5966% | 3,431 |
| Equity capital to assets | 7.5598% | 7,252 |
| Core capital (leverage) ratio | 7.1266% | 7,335 |
| Tier 1 risk-based capital ratio | 10.7760% | 6,190 |
| Total risk-based capital ratio | 12.0297% | 6,145 |
| Memoranda: | ||
| Average total assets | $101,561,250 | 5,078 |
| Average earning assets | $95,302,750 | 4,996 |
| Average equity | $7,732,500 | 6,074 |
| Average total loans | $66,065,750 | 5,064 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6210% | 3,964 |
| Cost of funding earning assets | 1.9886% | 3,829 |
| Net interest margin | 3.6325% | 4,236 |
| Noninterest income to average assets | 0.4167% | 5,149 |
| Noninterest expense to average assets | 2.7864% | 5,016 |
| Loan and lease loss provision to assets | 0.0601% | 6,620 |
| Net operating income to assets | 0.9074% | 2,431 |
| Return on assets (ROA) | 0.9074% | 2,530 |
| Pretax return on assets | 0.9695% | 3,114 |
| Return on Equity (ROE) | 11.8887% | 1,451 |
| Retained earnings to average equity (ytd only) | 0.5511% | 4,978 |
| Net charge-offs to loans | 0.0092% | 6,438 |
| Credit loss provision to net charge-offs | 1,000.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 171.3333% | 242 |
| Efficiency ratio | 73.0184% | 4,191 |
| Assets per employee ($millions) | 4.7729% | 2,361 |
| Cash dividends to net income (ytd only)* | 95.3642% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5408% | 2,982 |
| Loan loss allowance to noncurrent loans | 95.4212% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 1.2352% | 4,475 |
| Noncurrent loans to loans | 1.6147% | 4,074 |
| Net loans and leases to total assets | 66.4342% | 4,473 |
| Net loans and leases to deposits | 79.2731% | 4,662 |
| Net loans and leases to core deposits | 88.7424% | 5,658 |
| Total domestic deposits to total assets | 83.8043% | 3,872 |
| Equity capital to assets | 7.6684% | 7,114 |
| Core capital (leverage) ratio | 7.1471% | 7,411 |
| Tier 1 risk-based capital ratio | 10.6970% | 6,188 |
| Total risk-based capital ratio | 11.9092% | 6,161 |
| Memoranda: | ||
| Average total assets | $99,840,670 | 5,167 |
| Average earning assets | $93,434,670 | 5,084 |
| Average equity | $7,620,670 | 6,140 |
| Average total loans | $65,190,670 | 5,134 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6530% | 4,031 |
| Cost of funding earning assets | 2.0521% | 3,860 |
| Net interest margin | 3.6009% | 4,309 |
| Noninterest income to average assets | 0.4456% | 4,823 |
| Noninterest expense to average assets | 2.8421% | 4,371 |
| Loan and lease loss provision to assets | 0.0602% | 6,202 |
| Net operating income to assets | 0.8390% | 2,956 |
| Return on assets (ROA) | 0.8390% | 3,105 |
| Pretax return on assets | 0.9032% | 3,700 |
| Return on Equity (ROE) | 11.0174% | 1,959 |
| Retained earnings to average equity (ytd only) | -0.3690% | 5,737 |
| Net charge-offs to loans | 0.0375% | 4,982 |
| Credit loss provision to net charge-offs | 250.0000% | 1,869 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 848 |
| Efficiency ratio | 74.6835% | 3,706 |
| Assets per employee ($millions) | 5.1227% | 1,931 |
| Cash dividends to net income (ytd only)* | 103.3493% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5711% | 2,643 |
| Loan loss allowance to noncurrent loans | 76.8769% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.4699% | 3,731 |
| Noncurrent loans to loans | 2.0436% | 3,206 |
| Net loans and leases to total assets | 62.6190% | 5,220 |
| Net loans and leases to deposits | 74.9238% | 5,354 |
| Net loans and leases to core deposits | 83.0249% | 6,143 |
| Total domestic deposits to total assets | 83.5769% | 3,888 |
| Equity capital to assets | 7.4483% | 7,397 |
| Core capital (leverage) ratio | 7.4617% | 7,200 |
| Tier 1 risk-based capital ratio | 11.0044% | 5,909 |
| Total risk-based capital ratio | 12.1830% | 5,870 |
| Memoranda: | ||
| Average total assets | $99,646,000 | 5,192 |
| Average earning assets | $92,976,500 | 5,119 |
| Average equity | $7,588,000 | 6,193 |
| Average total loans | $63,971,500 | 5,209 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1357% | 4,860 |
| Cost of funding earning assets | 2.5498% | 3,958 |
| Net interest margin | 3.5858% | 4,947 |
| Noninterest income to average assets | 0.5087% | 4,552 |
| Noninterest expense to average assets | 2.5427% | 5,850 |
| Loan and lease loss provision to assets | 0.0617% | 6,632 |
| Net operating income to assets | 1.1706% | 1,875 |
| Return on assets (ROA) | 1.1706% | 1,801 |
| Pretax return on assets | 1.2446% | 2,498 |
| Return on Equity (ROE) | 15.7030% | 812 |
| Retained earnings to average equity (ytd only) | 3.4604% | 2,986 |
| Net charge-offs to loans | 0.1527% | 4,676 |
| Credit loss provision to net charge-offs | 63.1579% | 6,188 |
| Earnings coverage of net charge-offs (x) | 13.3789% | 2,133 |
| Efficiency ratio | 66.0614% | 5,114 |
| Assets per employee ($millions) | 4.8420% | 2,127 |
| Cash dividends to net income (ytd only)* | 77.9631% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6172% | 2,170 |
| Loan loss allowance to noncurrent loans | 81.4607% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 1.4664% | 3,290 |
| Noncurrent loans to loans | 1.9852% | 2,786 |
| Net loans and leases to total assets | 63.7646% | 5,320 |
| Net loans and leases to deposits | 78.6872% | 5,245 |
| Net loans and leases to core deposits | 85.6495% | 6,156 |
| Total domestic deposits to total assets | 81.0355% | 4,620 |
| Equity capital to assets | 7.7913% | 7,104 |
| Core capital (leverage) ratio | 7.5143% | 7,192 |
| Tier 1 risk-based capital ratio | 11.4952% | 5,243 |
| Total risk-based capital ratio | 12.7249% | 5,156 |
| Memoranda: | ||
| Average total assets | $97,299,800 | 5,130 |
| Average earning assets | $90,634,200 | 5,062 |
| Average equity | $7,253,400 | 6,365 |
| Average total loans | $62,219,800 | 5,172 |