Home > The State Exchange Bank > Performance and Condition Ratios
The State Exchange Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7946% | 260 |
| Cost of funding earning assets | 2.8149% | 205 |
| Net interest margin | 3.9797% | 1,239 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 1.9743% | 3,693 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.9047% | 522 |
| Return on assets (ROA) | 1.9047% | 507 |
| Pretax return on assets | 1.9047% | 767 |
| Return on Equity (ROE) | 20.2600% | 594 |
| Retained earnings to average equity (ytd only) | 14.6423% | 355 |
| Net charge-offs to loans | -0.4784% | 4,597 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 48.5393% | 4,062 |
| Assets per employee ($millions) | 9.6338% | 792 |
| Cash dividends to net income (ytd only)* | 27.7264% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0586% | 342 |
| Loan loss allowance to noncurrent loans | 158.6128% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 1.0476% | 459 |
| Noncurrent loans to loans | 1.2979% | 538 |
| Net loans and leases to total assets | 79.0500% | 757 |
| Net loans and leases to deposits | 93.8972% | 946 |
| Net loans and leases to core deposits | 149.4483% | 206 |
| Total domestic deposits to total assets | 84.1900% | 2,566 |
| Equity capital to assets | 9.2279% | 2,522 |
| Core capital (leverage) ratio | 9.6752% | 3,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $113,612,200 | 3,710 |
| Average earning assets | $108,777,000 | 3,660 |
| Average equity | $10,681,400 | 3,647 |
| Average total loans | $95,320,800 | 3,225 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6465% | 265 |
| Cost of funding earning assets | 2.6576% | 210 |
| Net interest margin | 3.9889% | 1,237 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.0872% | 3,387 |
| Loan and lease loss provision to assets | 0.2600% | 385 |
| Net operating income to assets | 1.7909% | 683 |
| Return on assets (ROA) | 1.7909% | 673 |
| Pretax return on assets | 1.7909% | 1,023 |
| Return on Equity (ROE) | 18.9500% | 825 |
| Retained earnings to average equity (ytd only) | 11.3036% | 1,108 |
| Net charge-offs to loans | -0.5880% | 4,624 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.4659% | 3,878 |
| Assets per employee ($millions) | 9.3442% | 823 |
| Cash dividends to net income (ytd only)* | 40.3497% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0487% | 362 |
| Loan loss allowance to noncurrent loans | 144.8153% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 1.1591% | 394 |
| Noncurrent loans to loans | 1.4147% | 527 |
| Net loans and leases to total assets | 80.2500% | 610 |
| Net loans and leases to deposits | 95.7096% | 775 |
| Net loans and leases to core deposits | 149.4611% | 153 |
| Total domestic deposits to total assets | 83.8500% | 2,821 |
| Equity capital to assets | 8.8677% | 2,493 |
| Core capital (leverage) ratio | 9.5345% | 3,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $110,705,250 | 3,752 |
| Average earning assets | $106,359,500 | 3,695 |
| Average equity | $10,462,500 | 3,672 |
| Average total loans | $93,878,750 | 3,247 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4778% | 266 |
| Cost of funding earning assets | 2.4619% | 208 |
| Net interest margin | 4.0159% | 1,214 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.1360% | 3,248 |
| Loan and lease loss provision to assets | 0.2900% | 317 |
| Net operating income to assets | 1.8223% | 631 |
| Return on assets (ROA) | 1.8223% | 629 |
| Pretax return on assets | 1.8223% | 970 |
| Return on Equity (ROE) | 18.8400% | 849 |
| Retained earnings to average equity (ytd only) | 18.8429% | 293 |
| Net charge-offs to loans | -0.4305% | 4,632 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.3078% | 3,900 |
| Assets per employee ($millions) | 8.9161% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8254% | 575 |
| Loan loss allowance to noncurrent loans | 122.1532% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 1.2501% | 316 |
| Noncurrent loans to loans | 1.4944% | 445 |
| Net loans and leases to total assets | 82.1300% | 412 |
| Net loans and leases to deposits | 98.8802% | 565 |
| Net loans and leases to core deposits | 150.6958% | 144 |
| Total domestic deposits to total assets | 83.0600% | 3,036 |
| Equity capital to assets | 9.3970% | 2,233 |
| Core capital (leverage) ratio | 9.9765% | 2,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $107,115,333 | 3,796 |
| Average earning assets | $103,090,000 | 3,747 |
| Average equity | $10,359,333 | 3,694 |
| Average total loans | $91,996,667 | 3,270 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2168% | 244 |
| Cost of funding earning assets | 2.2382% | 175 |
| Net interest margin | 3.9786% | 1,305 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 2.3988% | 2,535 |
| Loan and lease loss provision to assets | 0.2500% | 378 |
| Net operating income to assets | 1.4447% | 1,299 |
| Return on assets (ROA) | 1.4447% | 1,271 |
| Pretax return on assets | 1.4447% | 1,782 |
| Return on Equity (ROE) | 14.7000% | 1,624 |
| Retained earnings to average equity (ytd only) | 14.7033% | 846 |
| Net charge-offs to loans | -0.8580% | 4,676 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.6108% | 3,117 |
| Assets per employee ($millions) | 8.3972% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7827% | 679 |
| Loan loss allowance to noncurrent loans | 104.1019% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 1.4739% | 229 |
| Noncurrent loans to loans | 1.7125% | 362 |
| Net loans and leases to total assets | 84.5400% | 201 |
| Net loans and leases to deposits | 102.3082% | 352 |
| Net loans and leases to core deposits | 127.4899% | 311 |
| Total domestic deposits to total assets | 82.6300% | 3,372 |
| Equity capital to assets | 9.4455% | 2,184 |
| Core capital (leverage) ratio | 10.1467% | 2,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $102,718,500 | 3,884 |
| Average earning assets | $98,829,000 | 3,836 |
| Average equity | $10,093,000 | 3,775 |
| Average total loans | $89,513,500 | 3,339 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9923% | 303 |
| Cost of funding earning assets | 1.0028% | 158 |
| Net interest margin | 3.9895% | 802 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.1366% | 3,202 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 1.8834% | 364 |
| Return on assets (ROA) | 1.8834% | 352 |
| Pretax return on assets | 1.8834% | 606 |
| Return on Equity (ROE) | 17.7100% | 746 |
| Retained earnings to average equity (ytd only) | 4.8828% | 3,099 |
| Net charge-offs to loans | 0.4891% | 153 |
| Credit loss provision to net charge-offs | 50.3979% | 1,817 |
| Earnings coverage of net charge-offs (x) | 5.0822% | 2,390 |
| Efficiency ratio | 50.5421% | 4,097 |
| Assets per employee ($millions) | 7.4057% | 1,680 |
| Cash dividends to net income (ytd only)* | 72.4218% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7385% | 752 |
| Loan loss allowance to noncurrent loans | 63.0973% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 2.4347% | 80 |
| Noncurrent loans to loans | 2.7553% | 162 |
| Net loans and leases to total assets | 86.8300% | 112 |
| Net loans and leases to deposits | 103.4785% | 319 |
| Net loans and leases to core deposits | 137.5841% | 157 |
| Total domestic deposits to total assets | 83.9100% | 3,226 |
| Equity capital to assets | 10.2572% | 1,580 |
| Core capital (leverage) ratio | 10.7859% | 1,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $91,641,000 | 3,995 |
| Average earning assets | $88,055,400 | 3,949 |
| Average equity | $9,748,600 | 3,900 |
| Average total loans | $77,085,200 | 3,451 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8160% | 275 |
| Cost of funding earning assets | 0.7973% | 155 |
| Net interest margin | 4.0187% | 618 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.1735% | 2,997 |
| Loan and lease loss provision to assets | 0.2800% | 264 |
| Net operating income to assets | 1.8375% | 396 |
| Return on assets (ROA) | 1.8375% | 387 |
| Pretax return on assets | 1.8375% | 680 |
| Return on Equity (ROE) | 17.1100% | 772 |
| Retained earnings to average equity (ytd only) | 6.8195% | 2,440 |
| Net charge-offs to loans | 0.9730% | 52 |
| Credit loss provision to net charge-offs | 34.6715% | 1,586 |
| Earnings coverage of net charge-offs (x) | 2.6223% | 2,239 |
| Efficiency ratio | 50.6525% | 4,118 |
| Assets per employee ($millions) | 7.2588% | 1,773 |
| Cash dividends to net income (ytd only)* | 60.1443% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6376% | 999 |
| Loan loss allowance to noncurrent loans | 51.6588% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 2.6832% | 69 |
| Noncurrent loans to loans | 3.1701% | 145 |
| Net loans and leases to total assets | 83.2600% | 301 |
| Net loans and leases to deposits | 97.1990% | 488 |
| Net loans and leases to core deposits | 132.5483% | 135 |
| Total domestic deposits to total assets | 85.6500% | 3,146 |
| Equity capital to assets | 10.4583% | 1,391 |
| Core capital (leverage) ratio | 10.3803% | 2,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $90,482,750 | 4,037 |
| Average earning assets | $86,958,750 | 3,984 |
| Average equity | $9,717,000 | 3,948 |
| Average total loans | $75,088,750 | 3,492 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6099% | 301 |
| Cost of funding earning assets | 0.5920% | 295 |
| Net interest margin | 4.0179% | 475 |
| Noninterest income to average assets | 0.4732% | 2,339 |
| Noninterest expense to average assets | 2.1303% | 3,064 |
| Loan and lease loss provision to assets | 0.2691% | 259 |
| Net operating income to assets | 1.9397% | 253 |
| Return on assets (ROA) | 1.9397% | 251 |
| Pretax return on assets | 1.9397% | 432 |
| Return on Equity (ROE) | 17.8972% | 484 |
| Retained earnings to average equity (ytd only) | 7.5520% | 1,791 |
| Net charge-offs to loans | 1.4994% | 40 |
| Credit loss provision to net charge-offs | 21.7786% | 1,598 |
| Earnings coverage of net charge-offs (x) | 1.7877% | 2,052 |
| Efficiency ratio | 49.0956% | 4,306 |
| Assets per employee ($millions) | 7.5688% | 1,568 |
| Cash dividends to net income (ytd only)* | 57.8035% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5518% | 1,273 |
| Loan loss allowance to noncurrent loans | 46.3241% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 2.7095% | 77 |
| Noncurrent loans to loans | 3.3499% | 140 |
| Net loans and leases to total assets | 79.6288% | 434 |
| Net loans and leases to deposits | 92.1927% | 600 |
| Net loans and leases to core deposits | 121.5558% | 187 |
| Total domestic deposits to total assets | 86.3721% | 3,151 |
| Equity capital to assets | 9.9447% | 1,741 |
| Core capital (leverage) ratio | 11.3367% | 1,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,188,667 | 4,091 |
| Average earning assets | $85,815,333 | 4,048 |
| Average equity | $9,666,333 | 4,034 |
| Average total loans | $73,494,333 | 3,560 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5617% | 275 |
| Cost of funding earning assets | 0.5260% | 435 |
| Net interest margin | 4.0357% | 391 |
| Noninterest income to average assets | 0.3641% | 2,907 |
| Noninterest expense to average assets | 2.3408% | 2,371 |
| Loan and lease loss provision to assets | 0.2837% | 217 |
| Net operating income to assets | 1.6220% | 483 |
| Return on assets (ROA) | 1.6220% | 481 |
| Pretax return on assets | 1.6220% | 795 |
| Return on Equity (ROE) | 14.2813% | 778 |
| Retained earnings to average equity (ytd only) | -6.5369% | 4,477 |
| Net charge-offs to loans | 0.8460% | 83 |
| Credit loss provision to net charge-offs | 40.2685% | 1,227 |
| Earnings coverage of net charge-offs (x) | 2.7047% | 1,696 |
| Efficiency ratio | 55.1225% | 3,960 |
| Assets per employee ($millions) | 6.5058% | 2,378 |
| Cash dividends to net income (ytd only)* | 145.7726% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1782% | 452 |
| Loan loss allowance to noncurrent loans | 44.2729% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 4.2116% | 33 |
| Noncurrent loans to loans | 4.9200% | 69 |
| Net loans and leases to total assets | 83.7387% | 95 |
| Net loans and leases to deposits | 98.9756% | 201 |
| Net loans and leases to core deposits | 138.2783% | 66 |
| Total domestic deposits to total assets | 84.6054% | 3,634 |
| Equity capital to assets | 11.1558% | 1,261 |
| Core capital (leverage) ratio | 11.2845% | 1,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,586,000 | 4,164 |
| Average earning assets | $81,373,500 | 4,122 |
| Average equity | $9,607,000 | 4,100 |
| Average total loans | $70,449,000 | 3,609 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6236% | 118 |
| Cost of funding earning assets | 0.5991% | 547 |
| Net interest margin | 5.0245% | 141 |
| Noninterest income to average assets | 0.4225% | 2,935 |
| Noninterest expense to average assets | 2.2989% | 2,798 |
| Loan and lease loss provision to assets | 0.2791% | 307 |
| Net operating income to assets | 2.6541% | 135 |
| Return on assets (ROA) | 2.6541% | 138 |
| Pretax return on assets | 2.6541% | 213 |
| Return on Equity (ROE) | 22.9532% | 177 |
| Retained earnings to average equity (ytd only) | 14.0660% | 297 |
| Net charge-offs to loans | -0.3753% | 4,766 |
| Credit loss provision to net charge-offs | -90.5350% | 3,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9379% | 4,578 |
| Assets per employee ($millions) | 7.6906% | 1,503 |
| Cash dividends to net income (ytd only)* | 38.7189% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4322% | 307 |
| Loan loss allowance to noncurrent loans | 41.7753% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 4.7141% | 31 |
| Noncurrent loans to loans | 5.8220% | 52 |
| Net loans and leases to total assets | 79.0016% | 319 |
| Net loans and leases to deposits | 93.7770% | 391 |
| Net loans and leases to core deposits | 135.1609% | 80 |
| Total domestic deposits to total assets | 84.2441% | 3,491 |
| Equity capital to assets | 11.5595% | 1,476 |
| Core capital (leverage) ratio | 12.0390% | 1,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,820,400 | 4,234 |
| Average earning assets | $75,450,400 | 4,190 |
| Average equity | $9,114,200 | 4,235 |
| Average total loans | $64,745,000 | 3,750 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9798% | 90 |
| Cost of funding earning assets | 0.6216% | 572 |
| Net interest margin | 5.3582% | 100 |
| Noninterest income to average assets | 0.4532% | 2,824 |
| Noninterest expense to average assets | 2.3125% | 2,717 |
| Loan and lease loss provision to assets | 0.3787% | 181 |
| Net operating income to assets | 2.8863% | 140 |
| Return on assets (ROA) | 2.8863% | 139 |
| Pretax return on assets | 2.8863% | 200 |
| Return on Equity (ROE) | 24.9584% | 178 |
| Retained earnings to average equity (ytd only) | 12.8890% | 657 |
| Net charge-offs to loans | -0.4430% | 4,831 |
| Credit loss provision to net charge-offs | -103.7736% | 3,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4581% | 4,675 |
| Assets per employee ($millions) | 7.3295% | 1,663 |
| Cash dividends to net income (ytd only)* | 48.3582% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6047% | 244 |
| Loan loss allowance to noncurrent loans | 52.3535% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 3.8735% | 49 |
| Noncurrent loans to loans | 4.9752% | 77 |
| Net loans and leases to total assets | 75.8285% | 562 |
| Net loans and leases to deposits | 90.4820% | 582 |
| Net loans and leases to core deposits | 130.1957% | 117 |
| Total domestic deposits to total assets | 83.8051% | 3,509 |
| Equity capital to assets | 11.6628% | 1,564 |
| Core capital (leverage) ratio | 11.7615% | 1,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,376,250 | 4,311 |
| Average earning assets | $74,003,000 | 4,259 |
| Average equity | $8,948,000 | 4,307 |
| Average total loans | $63,806,500 | 3,817 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9044% | 106 |
| Cost of funding earning assets | 0.6466% | 586 |
| Net interest margin | 5.2578% | 127 |
| Noninterest income to average assets | 0.5217% | 2,521 |
| Noninterest expense to average assets | 2.2833% | 2,818 |
| Loan and lease loss provision to assets | 0.2621% | 370 |
| Net operating income to assets | 3.0068% | 129 |
| Return on assets (ROA) | 3.0068% | 136 |
| Pretax return on assets | 3.0068% | 190 |
| Return on Equity (ROE) | 26.0790% | 167 |
| Retained earnings to average equity (ytd only) | 16.7570% | 284 |
| Net charge-offs to loans | -0.6547% | 4,881 |
| Credit loss provision to net charge-offs | -47.6190% | 2,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1237% | 4,716 |
| Assets per employee ($millions) | 6.1535% | 2,478 |
| Cash dividends to net income (ytd only)* | 35.7454% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2535% | 399 |
| Loan loss allowance to noncurrent loans | 73.8409% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 2.5614% | 128 |
| Noncurrent loans to loans | 3.0518% | 237 |
| Net loans and leases to total assets | 82.0379% | 215 |
| Net loans and leases to deposits | 97.8237% | 317 |
| Net loans and leases to core deposits | 141.4284% | 84 |
| Total domestic deposits to total assets | 83.8629% | 3,479 |
| Equity capital to assets | 11.5881% | 1,578 |
| Core capital (leverage) ratio | 11.7746% | 1,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,293,667 | 4,344 |
| Average earning assets | $72,997,000 | 4,300 |
| Average equity | $8,796,333 | 4,345 |
| Average total loans | $64,151,667 | 3,830 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2794% | 240 |
| Cost of funding earning assets | 0.6957% | 557 |
| Net interest margin | 4.5837% | 321 |
| Noninterest income to average assets | 0.4299% | 2,933 |
| Noninterest expense to average assets | 2.3481% | 2,656 |
| Loan and lease loss provision to assets | 0.3224% | 273 |
| Net operating income to assets | 2.1493% | 450 |
| Return on assets (ROA) | 2.1493% | 489 |
| Pretax return on assets | 2.1493% | 744 |
| Return on Equity (ROE) | 18.6927% | 653 |
| Retained earnings to average equity (ytd only) | -0.4673% | 4,407 |
| Net charge-offs to loans | -0.2043% | 4,788 |
| Credit loss provision to net charge-offs | -187.5000% | 2,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7179% | 4,284 |
| Assets per employee ($millions) | 6.5123% | 2,169 |
| Cash dividends to net income (ytd only)* | 102.5000% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9672% | 638 |
| Loan loss allowance to noncurrent loans | 59.0785% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 2.8241% | 121 |
| Noncurrent loans to loans | 3.3298% | 217 |
| Net loans and leases to total assets | 82.5792% | 200 |
| Net loans and leases to deposits | 99.3029% | 311 |
| Net loans and leases to core deposits | 141.1227% | 90 |
| Total domestic deposits to total assets | 83.1589% | 3,653 |
| Equity capital to assets | 10.9357% | 1,909 |
| Core capital (leverage) ratio | 11.5946% | 1,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,442,500 | 4,384 |
| Average earning assets | $71,296,500 | 4,337 |
| Average equity | $8,559,500 | 4,381 |
| Average total loans | $62,657,500 | 3,869 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4656% | 198 |
| Cost of funding earning assets | 1.0354% | 521 |
| Net interest margin | 4.4303% | 374 |
| Noninterest income to average assets | 0.3310% | 3,479 |
| Noninterest expense to average assets | 2.5268% | 2,764 |
| Loan and lease loss provision to assets | 0.3036% | 1,239 |
| Net operating income to assets | 1.7130% | 482 |
| Return on assets (ROA) | 1.7289% | 501 |
| Pretax return on assets | 1.7289% | 804 |
| Return on Equity (ROE) | 14.6007% | 704 |
| Retained earnings to average equity (ytd only) | 5.8110% | 1,890 |
| Net charge-offs to loans | 0.4710% | 349 |
| Credit loss provision to net charge-offs | 77.4908% | 3,001 |
| Earnings coverage of net charge-offs (x) | 5.1476% | 2,892 |
| Efficiency ratio | 55.6157% | 4,029 |
| Assets per employee ($millions) | 5.8948% | 2,440 |
| Cash dividends to net income (ytd only)* | 60.2007% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0223% | 557 |
| Loan loss allowance to noncurrent loans | 53.7054% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 3.1667% | 104 |
| Noncurrent loans to loans | 3.7656% | 161 |
| Net loans and leases to total assets | 82.3939% | 265 |
| Net loans and leases to deposits | 101.1823% | 327 |
| Net loans and leases to core deposits | 138.7988% | 126 |
| Total domestic deposits to total assets | 81.4312% | 3,778 |
| Equity capital to assets | 12.1195% | 1,514 |
| Core capital (leverage) ratio | 11.8450% | 1,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,177,600 | 4,398 |
| Average earning assets | $65,774,600 | 4,358 |
| Average equity | $8,191,400 | 4,402 |
| Average total loans | $57,537,200 | 3,956 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4390% | 262 |
| Cost of funding earning assets | 1.1209% | 494 |
| Net interest margin | 4.3181% | 564 |
| Noninterest income to average assets | 0.3508% | 3,358 |
| Noninterest expense to average assets | 2.5585% | 2,668 |
| Loan and lease loss provision to assets | 0.2907% | 1,392 |
| Net operating income to assets | 1.6010% | 726 |
| Return on assets (ROA) | 1.6223% | 756 |
| Pretax return on assets | 1.6223% | 1,121 |
| Return on Equity (ROE) | 13.7842% | 918 |
| Retained earnings to average equity (ytd only) | 1.9268% | 3,954 |
| Net charge-offs to loans | 0.5679% | 263 |
| Credit loss provision to net charge-offs | 61.7284% | 2,844 |
| Earnings coverage of net charge-offs (x) | 4.0165% | 2,863 |
| Efficiency ratio | 57.4913% | 3,735 |
| Assets per employee ($millions) | 5.9817% | 2,281 |
| Cash dividends to net income (ytd only)* | 86.0215% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8984% | 588 |
| Loan loss allowance to noncurrent loans | 50.8247% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 3.2098% | 129 |
| Noncurrent loans to loans | 3.7351% | 191 |
| Net loans and leases to total assets | 84.3048% | 250 |
| Net loans and leases to deposits | 104.4876% | 374 |
| Net loans and leases to core deposits | 142.7924% | 150 |
| Total domestic deposits to total assets | 80.6840% | 3,729 |
| Equity capital to assets | 11.4447% | 2,057 |
| Core capital (leverage) ratio | 11.2600% | 1,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,787,750 | 4,415 |
| Average earning assets | $65,304,500 | 4,382 |
| Average equity | $8,096,000 | 4,429 |
| Average total loans | $57,050,000 | 3,984 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4790% | 349 |
| Cost of funding earning assets | 1.2165% | 477 |
| Net interest margin | 4.2625% | 811 |
| Noninterest income to average assets | 0.4012% | 3,068 |
| Noninterest expense to average assets | 2.5785% | 2,740 |
| Loan and lease loss provision to assets | 0.2655% | 1,604 |
| Net operating income to assets | 1.5990% | 763 |
| Return on assets (ROA) | 1.6315% | 779 |
| Pretax return on assets | 1.6315% | 1,155 |
| Return on Equity (ROE) | 13.7283% | 933 |
| Retained earnings to average equity (ytd only) | 4.7913% | 2,569 |
| Net charge-offs to loans | 0.9549% | 158 |
| Credit loss provision to net charge-offs | 33.9623% | 2,690 |
| Earnings coverage of net charge-offs (x) | 2.3849% | 2,780 |
| Efficiency ratio | 58.0345% | 3,680 |
| Assets per employee ($millions) | 5.9476% | 2,230 |
| Cash dividends to net income (ytd only)* | 65.0995% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7881% | 672 |
| Loan loss allowance to noncurrent loans | 45.7755% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 3.3333% | 127 |
| Noncurrent loans to loans | 3.9063% | 177 |
| Net loans and leases to total assets | 83.8057% | 268 |
| Net loans and leases to deposits | 104.1222% | 371 |
| Net loans and leases to core deposits | 134.3720% | 214 |
| Total domestic deposits to total assets | 80.4879% | 3,729 |
| Equity capital to assets | 11.6182% | 1,899 |
| Core capital (leverage) ratio | 11.6503% | 1,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,790,333 | 4,435 |
| Average earning assets | $64,281,333 | 4,404 |
| Average equity | $8,056,333 | 4,450 |
| Average total loans | $55,505,000 | 4,029 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7673% | 1,513 |
| Cost of funding earning assets | 1.3466% | 491 |
| Net interest margin | 3.4207% | 3,235 |
| Noninterest income to average assets | 0.2121% | 4,277 |
| Noninterest expense to average assets | 2.6061% | 2,966 |
| Loan and lease loss provision to assets | 0.1818% | 1,643 |
| Net operating income to assets | 0.6727% | 3,358 |
| Return on assets (ROA) | 0.7394% | 3,211 |
| Pretax return on assets | 0.7394% | 3,567 |
| Return on Equity (ROE) | 6.1473% | 3,262 |
| Retained earnings to average equity (ytd only) | -11.9922% | 4,831 |
| Net charge-offs to loans | 2.0528% | 68 |
| Credit loss provision to net charge-offs | 11.0701% | 2,229 |
| Earnings coverage of net charge-offs (x) | 0.5203% | 2,460 |
| Efficiency ratio | 75.3065% | 1,643 |
| Assets per employee ($millions) | 5.4838% | 2,140 |
| Cash dividends to net income (ytd only)* | 295.0820% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9153% | 590 |
| Loan loss allowance to noncurrent loans | 43.8116% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 3.5483% | 129 |
| Noncurrent loans to loans | 4.3717% | 159 |
| Net loans and leases to total assets | 79.6113% | 742 |
| Net loans and leases to deposits | 94.6060% | 1,027 |
| Net loans and leases to core deposits | 117.2249% | 548 |
| Total domestic deposits to total assets | 84.1504% | 2,737 |
| Equity capital to assets | 11.8758% | 2,162 |
| Core capital (leverage) ratio | 11.8689% | 1,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,000,000 | 4,470 |
| Average earning assets | $62,677,000 | 4,439 |
| Average equity | $7,938,500 | 4,489 |
| Average total loans | $52,806,500 | 4,095 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7691% | 346 |
| Cost of funding earning assets | 1.3153% | 742 |
| Net interest margin | 4.4538% | 790 |
| Noninterest income to average assets | 0.2141% | 4,383 |
| Noninterest expense to average assets | 2.5514% | 3,318 |
| Loan and lease loss provision to assets | 0.2753% | 643 |
| Net operating income to assets | 1.5725% | 888 |
| Return on assets (ROA) | 1.5862% | 918 |
| Pretax return on assets | 1.5862% | 1,525 |
| Return on Equity (ROE) | 13.6480% | 971 |
| Retained earnings to average equity (ytd only) | 11.6738% | 266 |
| Net charge-offs to loans | 0.4499% | 422 |
| Credit loss provision to net charge-offs | 77.9221% | 2,820 |
| Earnings coverage of net charge-offs (x) | 5.2294% | 3,115 |
| Efficiency ratio | 57.9972% | 3,960 |
| Assets per employee ($millions) | 5.5162% | 2,043 |
| Cash dividends to net income (ytd only)* | 14.4648% | 3,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4214% | 242 |
| Loan loss allowance to noncurrent loans | 120.0380% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 1.5908% | 615 |
| Noncurrent loans to loans | 2.0172% | 637 |
| Net loans and leases to total assets | 76.9511% | 1,266 |
| Net loans and leases to deposits | 91.7222% | 1,401 |
| Net loans and leases to core deposits | 116.0402% | 597 |
| Total domestic deposits to total assets | 83.8958% | 2,881 |
| Equity capital to assets | 12.1794% | 2,027 |
| Core capital (leverage) ratio | 12.2176% | 1,643 |
| Tier 1 risk-based capital ratio | 13.9443% | 3,299 |
| Total risk-based capital ratio | 15.2054% | 3,194 |
| Memoranda: | ||
| Average total assets | $65,375,400 | 4,511 |
| Average earning assets | $61,431,000 | 4,488 |
| Average equity | $7,598,200 | 4,555 |
| Average total loans | $51,342,800 | 4,153 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6939% | 416 |
| Cost of funding earning assets | 1.2910% | 809 |
| Net interest margin | 4.4029% | 938 |
| Noninterest income to average assets | 0.2332% | 4,342 |
| Noninterest expense to average assets | 2.6207% | 3,102 |
| Loan and lease loss provision to assets | 0.2762% | 557 |
| Net operating income to assets | 1.4669% | 1,284 |
| Return on assets (ROA) | 1.4853% | 1,285 |
| Pretax return on assets | 1.4853% | 2,003 |
| Return on Equity (ROE) | 12.9370% | 1,300 |
| Retained earnings to average equity (ytd only) | 10.2640% | 690 |
| Net charge-offs to loans | 0.4668% | 362 |
| Credit loss provision to net charge-offs | 75.4190% | 2,562 |
| Earnings coverage of net charge-offs (x) | 4.7598% | 2,978 |
| Efficiency ratio | 60.0563% | 3,634 |
| Assets per employee ($millions) | 5.5078% | 2,024 |
| Cash dividends to net income (ytd only)* | 20.6616% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4267% | 243 |
| Loan loss allowance to noncurrent loans | 67.9316% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 2.8309% | 200 |
| Noncurrent loans to loans | 3.5722% | 218 |
| Net loans and leases to total assets | 77.3229% | 1,261 |
| Net loans and leases to deposits | 91.8213% | 1,457 |
| Net loans and leases to core deposits | 114.5698% | 728 |
| Total domestic deposits to total assets | 84.2101% | 2,747 |
| Equity capital to assets | 11.7274% | 2,481 |
| Core capital (leverage) ratio | 12.0379% | 1,823 |
| Tier 1 risk-based capital ratio | 13.6555% | 3,504 |
| Total risk-based capital ratio | 14.9174% | 3,402 |
| Memoranda: | ||
| Average total assets | $65,170,750 | 4,570 |
| Average earning assets | $61,140,000 | 4,549 |
| Average equity | $7,482,250 | 4,631 |
| Average total loans | $51,128,250 | 4,210 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7097% | 398 |
| Cost of funding earning assets | 1.2710% | 818 |
| Net interest margin | 4.4387% | 873 |
| Noninterest income to average assets | 0.2837% | 4,044 |
| Noninterest expense to average assets | 2.6024% | 3,197 |
| Loan and lease loss provision to assets | 0.2775% | 531 |
| Net operating income to assets | 1.5602% | 994 |
| Return on assets (ROA) | 1.5849% | 981 |
| Pretax return on assets | 1.5849% | 1,589 |
| Return on Equity (ROE) | 13.9057% | 1,005 |
| Retained earnings to average equity (ytd only) | 13.9057% | 234 |
| Net charge-offs to loans | 0.8992% | 159 |
| Credit loss provision to net charge-offs | 39.4737% | 2,540 |
| Earnings coverage of net charge-offs (x) | 2.6140% | 2,924 |
| Efficiency ratio | 58.6111% | 3,916 |
| Assets per employee ($millions) | 4.9267% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3216% | 286 |
| Loan loss allowance to noncurrent loans | 70.6483% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 2.6012% | 275 |
| Noncurrent loans to loans | 3.2862% | 281 |
| Net loans and leases to total assets | 77.3182% | 1,346 |
| Net loans and leases to deposits | 92.1971% | 1,471 |
| Net loans and leases to core deposits | 108.9621% | 1,039 |
| Total domestic deposits to total assets | 83.8619% | 2,925 |
| Equity capital to assets | 12.0068% | 2,180 |
| Core capital (leverage) ratio | 11.8772% | 1,899 |
| Tier 1 risk-based capital ratio | 13.2834% | 3,700 |
| Total risk-based capital ratio | 14.5434% | 3,591 |
| Memoranda: | ||
| Average total assets | $64,863,330 | 4,614 |
| Average earning assets | $60,738,670 | 4,589 |
| Average equity | $7,392,670 | 4,667 |
| Average total loans | $50,712,330 | 4,241 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5919% | 436 |
| Cost of funding earning assets | 1.2798% | 705 |
| Net interest margin | 4.3121% | 1,072 |
| Noninterest income to average assets | 0.1348% | 4,924 |
| Noninterest expense to average assets | 2.5248% | 3,429 |
| Loan and lease loss provision to assets | 0.2758% | 492 |
| Net operating income to assets | 1.3605% | 1,487 |
| Return on assets (ROA) | 1.4156% | 1,364 |
| Pretax return on assets | 1.4156% | 2,032 |
| Return on Equity (ROE) | 12.7554% | 1,297 |
| Retained earnings to average equity (ytd only) | 12.7554% | 498 |
| Net charge-offs to loans | 1.4905% | 81 |
| Credit loss provision to net charge-offs | 23.8095% | 2,118 |
| Earnings coverage of net charge-offs (x) | 1.4127% | 2,601 |
| Efficiency ratio | 60.6775% | 3,723 |
| Assets per employee ($millions) | 5.0416% | 2,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3388% | 287 |
| Loan loss allowance to noncurrent loans | 105.7814% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 2.2230% | 392 |
| Noncurrent loans to loans | 2.2109% | 639 |
| Net loans and leases to total assets | 74.6067% | 1,703 |
| Net loans and leases to deposits | 87.9935% | 1,875 |
| Net loans and leases to core deposits | 103.9079% | 1,321 |
| Total domestic deposits to total assets | 84.7866% | 2,759 |
| Equity capital to assets | 11.2357% | 2,617 |
| Core capital (leverage) ratio | 11.0300% | 2,547 |
| Tier 1 risk-based capital ratio | 13.0569% | 3,848 |
| Total risk-based capital ratio | 14.3166% | 3,753 |
| Memoranda: | ||
| Average total assets | $65,271,500 | 4,649 |
| Average earning assets | $60,945,000 | 4,634 |
| Average equity | $7,244,000 | 4,722 |
| Average total loans | $50,720,000 | 4,287 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7439% | 261 |
| Cost of funding earning assets | 1.1501% | 415 |
| Net interest margin | 4.5938% | 612 |
| Noninterest income to average assets | 0.1764% | 4,842 |
| Noninterest expense to average assets | 2.7378% | 2,902 |
| Loan and lease loss provision to assets | 1.4282% | 48 |
| Net operating income to assets | 0.3160% | 4,986 |
| Return on assets (ROA) | 0.3133% | 4,981 |
| Pretax return on assets | 0.3574% | 4,987 |
| Return on Equity (ROE) | 2.8901% | 4,920 |
| Retained earnings to average equity (ytd only) | -4.1247% | 5,222 |
| Net charge-offs to loans | 1.6788% | 65 |
| Credit loss provision to net charge-offs | 101.6234% | 2,480 |
| Earnings coverage of net charge-offs (x) | 1.2727% | 3,643 |
| Efficiency ratio | 60.4839% | 3,777 |
| Assets per employee ($millions) | 5.0002% | 2,503 |
| Cash dividends to net income (ytd only)* | 242.7184% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5598% | 217 |
| Loan loss allowance to noncurrent loans | 185.2113% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 1.6307% | 680 |
| Noncurrent loans to loans | 1.3821% | 1,130 |
| Net loans and leases to total assets | 77.0069% | 1,437 |
| Net loans and leases to deposits | 90.5155% | 1,730 |
| Net loans and leases to core deposits | 107.4140% | 1,168 |
| Total domestic deposits to total assets | 85.0758% | 2,613 |
| Equity capital to assets | 10.9597% | 2,725 |
| Core capital (leverage) ratio | 10.7840% | 2,751 |
| Tier 1 risk-based capital ratio | 12.5297% | 4,116 |
| Total risk-based capital ratio | 13.7935% | 3,985 |
| Memoranda: | ||
| Average total assets | $65,745,800 | 4,662 |
| Average earning assets | $62,257,200 | 4,625 |
| Average equity | $7,127,800 | 4,726 |
| Average total loans | $55,037,800 | 4,208 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6434% | 281 |
| Cost of funding earning assets | 1.1032% | 396 |
| Net interest margin | 4.5402% | 682 |
| Noninterest income to average assets | 0.2103% | 4,705 |
| Noninterest expense to average assets | 2.4732% | 3,670 |
| Loan and lease loss provision to assets | 1.8989% | 34 |
| Net operating income to assets | 0.0982% | 5,256 |
| Return on assets (ROA) | 0.0951% | 5,252 |
| Pretax return on assets | 0.1537% | 5,230 |
| Return on Equity (ROE) | 0.8791% | 5,245 |
| Retained earnings to average equity (ytd only) | -8.4725% | 5,371 |
| Net charge-offs to loans | 2.0540% | 45 |
| Credit loss provision to net charge-offs | 108.9327% | 2,124 |
| Earnings coverage of net charge-offs (x) | 1.1798% | 3,371 |
| Efficiency ratio | 54.5982% | 4,551 |
| Assets per employee ($millions) | 5.0931% | 2,348 |
| Cash dividends to net income (ytd only)* | 1,063.7466% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5077% | 237 |
| Loan loss allowance to noncurrent loans | 70.0407% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 3.7472% | 144 |
| Noncurrent loans to loans | 3.5803% | 262 |
| Net loans and leases to total assets | 80.8549% | 892 |
| Net loans and leases to deposits | 94.5981% | 1,314 |
| Net loans and leases to core deposits | 113.5037% | 842 |
| Total domestic deposits to total assets | 85.4720% | 2,414 |
| Equity capital to assets | 10.4833% | 3,164 |
| Core capital (leverage) ratio | 10.3493% | 3,239 |
| Tier 1 risk-based capital ratio | 11.3356% | 4,884 |
| Total risk-based capital ratio | 12.5978% | 4,762 |
| Memoranda: | ||
| Average total assets | $65,931,750 | 4,704 |
| Average earning assets | $62,726,750 | 4,661 |
| Average equity | $7,128,750 | 4,775 |
| Average total loans | $55,954,500 | 4,233 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8329% | 193 |
| Cost of funding earning assets | 1.0455% | 370 |
| Net interest margin | 4.7875% | 369 |
| Noninterest income to average assets | 0.2582% | 4,460 |
| Noninterest expense to average assets | 2.4697% | 3,718 |
| Loan and lease loss provision to assets | 2.2965% | 28 |
| Net operating income to assets | -0.0347% | 5,358 |
| Return on assets (ROA) | -0.0395% | 5,352 |
| Pretax return on assets | 0.0486% | 5,315 |
| Return on Equity (ROE) | -0.3615% | 5,353 |
| Retained earnings to average equity (ytd only) | -14.2672% | 5,469 |
| Net charge-offs to loans | 0.6287% | 231 |
| Credit loss provision to net charge-offs | 427.1186% | 786 |
| Earnings coverage of net charge-offs (x) | 4.3729% | 2,797 |
| Efficiency ratio | 51.2287% | 4,951 |
| Assets per employee ($millions) | 5.6186% | 1,786 |
| Cash dividends to net income (ytd only)* | -3,846.1538% | 5,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3659% | 94 |
| Loan loss allowance to noncurrent loans | 270.3597% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 1.0308% | 1,455 |
| Noncurrent loans to loans | 1.2450% | 1,384 |
| Net loans and leases to total assets | 80.0098% | 1,019 |
| Net loans and leases to deposits | 93.1886% | 1,449 |
| Net loans and leases to core deposits | 110.6110% | 960 |
| Total domestic deposits to total assets | 85.8579% | 2,339 |
| Equity capital to assets | 10.2354% | 3,405 |
| Core capital (leverage) ratio | 10.2355% | 3,309 |
| Tier 1 risk-based capital ratio | 11.4531% | 4,804 |
| Total risk-based capital ratio | 12.7260% | 4,699 |
| Memoranda: | ||
| Average total assets | $65,839,000 | 4,760 |
| Average earning assets | $62,747,330 | 4,715 |
| Average equity | $7,191,330 | 4,822 |
| Average total loans | $56,302,330 | 4,255 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4610% | 298 |
| Cost of funding earning assets | 0.9736% | 419 |
| Net interest margin | 4.4874% | 637 |
| Noninterest income to average assets | 0.1783% | 4,958 |
| Noninterest expense to average assets | 2.4967% | 3,658 |
| Loan and lease loss provision to assets | 0.3075% | 419 |
| Net operating income to assets | 1.4759% | 1,129 |
| Return on assets (ROA) | 1.4759% | 1,134 |
| Pretax return on assets | 1.6542% | 1,230 |
| Return on Equity (ROE) | 13.0853% | 1,236 |
| Retained earnings to average equity (ytd only) | -8.7235% | 5,325 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0000% | 4,579 |
| Assets per employee ($millions) | 5.4656% | 1,972 |
| Cash dividends to net income (ytd only)* | 166.6667% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3611% | 299 |
| Loan loss allowance to noncurrent loans | 53.6993% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 3.8331% | 171 |
| Noncurrent loans to loans | 4.3969% | 206 |
| Net loans and leases to total assets | 85.1190% | 333 |
| Net loans and leases to deposits | 100.1651% | 696 |
| Net loans and leases to core deposits | 121.7123% | 535 |
| Total domestic deposits to total assets | 84.9787% | 2,936 |
| Equity capital to assets | 11.0601% | 2,523 |
| Core capital (leverage) ratio | 11.1596% | 2,271 |
| Tier 1 risk-based capital ratio | 12.1952% | 4,437 |
| Total risk-based capital ratio | 13.4581% | 4,324 |
| Memoranda: | ||
| Average total assets | $65,047,000 | 4,831 |
| Average earning assets | $62,040,000 | 4,792 |
| Average equity | $7,336,500 | 4,843 |
| Average total loans | $56,541,500 | 4,290 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6285% | 219 |
| Cost of funding earning assets | 0.7955% | 635 |
| Net interest margin | 4.8330% | 327 |
| Noninterest income to average assets | 0.3070% | 4,265 |
| Noninterest expense to average assets | 2.5704% | 3,541 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.2604% | 175 |
| Return on assets (ROA) | 2.2699% | 173 |
| Pretax return on assets | 2.3499% | 243 |
| Return on Equity (ROE) | 19.9329% | 199 |
| Retained earnings to average equity (ytd only) | 14.1968% | 100 |
| Net charge-offs to loans | 1.2941% | 128 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 2.1043% | 3,799 |
| Efficiency ratio | 52.3445% | 5,082 |
| Assets per employee ($millions) | 5.3756% | 2,078 |
| Cash dividends to net income (ytd only)* | 28.7770% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3253% | 302 |
| Loan loss allowance to noncurrent loans | 49.7322% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 4.0523% | 145 |
| Noncurrent loans to loans | 4.6757% | 166 |
| Net loans and leases to total assets | 84.6513% | 378 |
| Net loans and leases to deposits | 101.0567% | 655 |
| Net loans and leases to core deposits | 124.6598% | 467 |
| Total domestic deposits to total assets | 83.7661% | 3,290 |
| Equity capital to assets | 11.5011% | 2,200 |
| Core capital (leverage) ratio | 11.4302% | 1,992 |
| Tier 1 risk-based capital ratio | 12.7013% | 4,088 |
| Total risk-based capital ratio | 13.9625% | 3,982 |
| Memoranda: | ||
| Average total assets | $61,235,400 | 4,940 |
| Average earning assets | $58,328,400 | 4,904 |
| Average equity | $6,973,400 | 4,942 |
| Average total loans | $52,622,400 | 4,395 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7198% | 185 |
| Cost of funding earning assets | 0.7561% | 734 |
| Net interest margin | 4.9636% | 241 |
| Noninterest income to average assets | 0.3774% | 3,829 |
| Noninterest expense to average assets | 2.6239% | 3,342 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.3684% | 163 |
| Return on assets (ROA) | 2.3789% | 162 |
| Pretax return on assets | 2.4871% | 210 |
| Return on Equity (ROE) | 20.9458% | 177 |
| Retained earnings to average equity (ytd only) | 13.1737% | 211 |
| Net charge-offs to loans | 1.6473% | 91 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 1.7531% | 3,551 |
| Efficiency ratio | 51.4496% | 5,144 |
| Assets per employee ($millions) | 5.2853% | 2,134 |
| Cash dividends to net income (ytd only)* | 37.1057% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5084% | 260 |
| Loan loss allowance to noncurrent loans | 135.7287% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 1.5578% | 962 |
| Noncurrent loans to loans | 1.8481% | 950 |
| Net loans and leases to total assets | 82.1784% | 657 |
| Net loans and leases to deposits | 96.5096% | 1,066 |
| Net loans and leases to core deposits | 118.3228% | 640 |
| Total domestic deposits to total assets | 85.1505% | 2,659 |
| Equity capital to assets | 11.2467% | 2,619 |
| Core capital (leverage) ratio | 11.3492% | 2,145 |
| Tier 1 risk-based capital ratio | 12.9186% | 4,068 |
| Total risk-based capital ratio | 14.1834% | 3,967 |
| Memoranda: | ||
| Average total assets | $60,417,500 | 5,014 |
| Average earning assets | $57,483,500 | 4,974 |
| Average equity | $6,862,000 | 5,019 |
| Average total loans | $51,801,500 | 4,448 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7064% | 185 |
| Cost of funding earning assets | 0.7084% | 857 |
| Net interest margin | 4.9980% | 220 |
| Noninterest income to average assets | 0.5184% | 2,907 |
| Noninterest expense to average assets | 2.5953% | 3,445 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.5088% | 128 |
| Return on assets (ROA) | 2.5246% | 124 |
| Pretax return on assets | 2.6895% | 156 |
| Return on Equity (ROE) | 22.1511% | 131 |
| Retained earnings to average equity (ytd only) | 22.1511% | 45 |
| Net charge-offs to loans | 2.4274% | 60 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1.2765% | 3,300 |
| Efficiency ratio | 49.2652% | 5,341 |
| Assets per employee ($millions) | 5.0049% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5836% | 258 |
| Loan loss allowance to noncurrent loans | 132.4561% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 1.7083% | 835 |
| Noncurrent loans to loans | 1.9505% | 878 |
| Net loans and leases to total assets | 85.3194% | 320 |
| Net loans and leases to deposits | 101.2628% | 657 |
| Net loans and leases to core deposits | 112.5926% | 871 |
| Total domestic deposits to total assets | 84.2555% | 3,106 |
| Equity capital to assets | 11.9999% | 1,928 |
| Core capital (leverage) ratio | 11.7999% | 1,765 |
| Tier 1 risk-based capital ratio | 13.3995% | 3,747 |
| Total risk-based capital ratio | 14.6645% | 3,658 |
| Memoranda: | ||
| Average total assets | $59,415,670 | 5,070 |
| Average earning assets | $56,462,670 | 5,038 |
| Average equity | $6,771,670 | 5,060 |
| Average total loans | $51,248,330 | 4,487 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4445% | 254 |
| Cost of funding earning assets | 0.6556% | 1,050 |
| Net interest margin | 4.7888% | 318 |
| Noninterest income to average assets | 0.1286% | 5,475 |
| Noninterest expense to average assets | 2.6466% | 3,315 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6990% | 553 |
| Return on assets (ROA) | 1.6990% | 563 |
| Pretax return on assets | 2.0307% | 475 |
| Return on Equity (ROE) | 15.3189% | 608 |
| Retained earnings to average equity (ytd only) | 15.3189% | 220 |
| Net charge-offs to loans | 5.4971% | 16 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 0.4317% | 2,820 |
| Efficiency ratio | 56.5847% | 4,876 |
| Assets per employee ($millions) | 5.0015% | 2,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5171% | 305 |
| Loan loss allowance to noncurrent loans | 129.3763% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 1.6562% | 922 |
| Noncurrent loans to loans | 1.9455% | 928 |
| Net loans and leases to total assets | 82.9834% | 464 |
| Net loans and leases to deposits | 97.4219% | 818 |
| Net loans and leases to core deposits | 118.3495% | 510 |
| Total domestic deposits to total assets | 85.1794% | 3,011 |
| Equity capital to assets | 11.1400% | 2,493 |
| Core capital (leverage) ratio | 11.3229% | 2,087 |
| Tier 1 risk-based capital ratio | 13.2562% | 3,906 |
| Total risk-based capital ratio | 14.5218% | 3,824 |
| Memoranda: | ||
| Average total assets | $59,094,000 | 5,132 |
| Average earning assets | $56,130,500 | 5,099 |
| Average equity | $6,554,000 | 5,146 |
| Average total loans | $50,572,000 | 4,544 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3897% | 300 |
| Cost of funding earning assets | 0.6105% | 1,274 |
| Net interest margin | 4.7792% | 367 |
| Noninterest income to average assets | 0.3162% | 4,469 |
| Noninterest expense to average assets | 2.8386% | 2,883 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0855% | 1,954 |
| Return on assets (ROA) | 1.1129% | 1,943 |
| Pretax return on assets | 2.0651% | 432 |
| Return on Equity (ROE) | 9.5973% | 2,145 |
| Retained earnings to average equity (ytd only) | 3.4353% | 3,485 |
| Net charge-offs to loans | 0.0234% | 3,579 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 102.9091% | 588 |
| Efficiency ratio | 58.3976% | 4,805 |
| Assets per employee ($millions) | 4.8475% | 2,577 |
| Cash dividends to net income (ytd only)* | 64.2055% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9598% | 79 |
| Loan loss allowance to noncurrent loans | 217.5631% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 1.5661% | 1,034 |
| Noncurrent loans to loans | 1.8201% | 1,043 |
| Net loans and leases to total assets | 82.6388% | 520 |
| Net loans and leases to deposits | 100.7398% | 625 |
| Net loans and leases to core deposits | 114.7498% | 666 |
| Total domestic deposits to total assets | 82.0320% | 4,068 |
| Equity capital to assets | 11.0401% | 2,604 |
| Core capital (leverage) ratio | 11.2773% | 2,105 |
| Tier 1 risk-based capital ratio | 13.3275% | 3,884 |
| Total risk-based capital ratio | 14.6122% | 3,762 |
| Memoranda: | ||
| Average total assets | $55,978,000 | 5,231 |
| Average earning assets | $53,231,000 | 5,182 |
| Average equity | $6,491,400 | 5,192 |
| Average total loans | $47,015,200 | 4,666 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3830% | 308 |
| Cost of funding earning assets | 0.5998% | 1,333 |
| Net interest margin | 4.7832% | 374 |
| Noninterest income to average assets | 0.3897% | 3,995 |
| Noninterest expense to average assets | 2.9081% | 2,620 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3564% | 1,156 |
| Return on assets (ROA) | 1.3951% | 1,132 |
| Pretax return on assets | 2.0855% | 480 |
| Return on Equity (ROE) | 11.8811% | 1,369 |
| Retained earnings to average equity (ytd only) | 11.8811% | 320 |
| Net charge-offs to loans | 0.0346% | 2,939 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 70.2481% | 855 |
| Efficiency ratio | 58.9181% | 4,699 |
| Assets per employee ($millions) | 4.7465% | 2,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0601% | 72 |
| Loan loss allowance to noncurrent loans | 205.6075% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 1.6907% | 1,008 |
| Noncurrent loans to loans | 1.9747% | 1,006 |
| Net loans and leases to total assets | 82.1430% | 597 |
| Net loans and leases to deposits | 100.7125% | 659 |
| Net loans and leases to core deposits | 115.6920% | 667 |
| Total domestic deposits to total assets | 81.5619% | 4,090 |
| Equity capital to assets | 11.9702% | 2,142 |
| Core capital (leverage) ratio | 11.5618% | 1,979 |
| Tier 1 risk-based capital ratio | 13.9939% | 3,559 |
| Total risk-based capital ratio | 15.2781% | 3,467 |
| Memoranda: | ||
| Average total assets | $55,430,000 | 5,285 |
| Average earning assets | $52,683,250 | 5,238 |
| Average equity | $6,508,750 | 5,237 |
| Average total loans | $46,255,750 | 4,724 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2085% | 419 |
| Cost of funding earning assets | 0.5596% | 1,622 |
| Net interest margin | 4.6490% | 462 |
| Noninterest income to average assets | 0.5353% | 2,981 |
| Noninterest expense to average assets | 3.0116% | 2,307 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2090% | 1,565 |
| Return on assets (ROA) | 1.2090% | 1,666 |
| Pretax return on assets | 1.9410% | 647 |
| Return on Equity (ROE) | 10.3658% | 1,901 |
| Retained earnings to average equity (ytd only) | 10.3658% | 533 |
| Net charge-offs to loans | 0.1189% | 1,643 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 19.7407% | 1,758 |
| Efficiency ratio | 60.8088% | 4,538 |
| Assets per employee ($millions) | 4.8694% | 2,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0069% | 79 |
| Loan loss allowance to noncurrent loans | 202.1605% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 1.6634% | 1,087 |
| Noncurrent loans to loans | 1.9820% | 1,007 |
| Net loans and leases to total assets | 80.5641% | 819 |
| Net loans and leases to deposits | 99.6929% | 716 |
| Net loans and leases to core deposits | 116.3980% | 627 |
| Total domestic deposits to total assets | 80.8122% | 4,329 |
| Equity capital to assets | 11.2762% | 2,771 |
| Core capital (leverage) ratio | 10.9441% | 2,493 |
| Tier 1 risk-based capital ratio | 13.1230% | 4,118 |
| Total risk-based capital ratio | 14.4073% | 4,027 |
| Memoranda: | ||
| Average total assets | $54,920,670 | 5,351 |
| Average earning assets | $52,183,670 | 5,309 |
| Average equity | $6,405,670 | 5,308 |
| Average total loans | $45,418,670 | 4,788 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2077% | 409 |
| Cost of funding earning assets | 0.5382% | 1,804 |
| Net interest margin | 4.6695% | 444 |
| Noninterest income to average assets | 0.1430% | 5,628 |
| Noninterest expense to average assets | 2.6860% | 3,474 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1812% | 1,614 |
| Return on assets (ROA) | 1.1812% | 1,713 |
| Pretax return on assets | 1.8960% | 700 |
| Return on Equity (ROE) | 9.9462% | 2,005 |
| Retained earnings to average equity (ytd only) | 9.9462% | 855 |
| Net charge-offs to loans | 0.2568% | 809 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,015 |
| Efficiency ratio | 58.6207% | 4,923 |
| Assets per employee ($millions) | 4.5232% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3524% | 72 |
| Loan loss allowance to noncurrent loans | 194.5545% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 1.8608% | 981 |
| Noncurrent loans to loans | 2.2371% | 910 |
| Net loans and leases to total assets | 79.5589% | 877 |
| Net loans and leases to deposits | 99.7137% | 642 |
| Net loans and leases to core deposits | 117.4121% | 555 |
| Total domestic deposits to total assets | 79.7874% | 4,793 |
| Equity capital to assets | 11.7856% | 2,170 |
| Core capital (leverage) ratio | 11.7116% | 1,816 |
| Tier 1 risk-based capital ratio | 13.3068% | 4,090 |
| Total risk-based capital ratio | 14.5924% | 3,996 |
| Memoranda: | ||
| Average total assets | $53,164,500 | 5,443 |
| Average earning assets | $50,541,000 | 5,390 |
| Average equity | $6,314,000 | 5,359 |
| Average total loans | $43,607,500 | 4,878 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7803% | 956 |
| Cost of funding earning assets | 0.4183% | 2,963 |
| Net interest margin | 4.3620% | 856 |
| Noninterest income to average assets | 0.3427% | 4,461 |
| Noninterest expense to average assets | 3.0006% | 2,542 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9078% | 2,823 |
| Return on assets (ROA) | 0.9089% | 2,902 |
| Pretax return on assets | 1.4808% | 1,616 |
| Return on Equity (ROE) | 7.7320% | 3,116 |
| Retained earnings to average equity (ytd only) | 1.3943% | 4,930 |
| Net charge-offs to loans | -0.0223% | 5,302 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9854% | 3,750 |
| Assets per employee ($millions) | 4.3376% | 3,322 |
| Cash dividends to net income (ytd only)* | 81.9672% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7353% | 57 |
| Loan loss allowance to noncurrent loans | 188.6364% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 2.0288% | 859 |
| Noncurrent loans to loans | 2.5103% | 727 |
| Net loans and leases to total assets | 76.9918% | 1,253 |
| Net loans and leases to deposits | 94.7736% | 1,130 |
| Net loans and leases to core deposits | 114.6310% | 651 |
| Total domestic deposits to total assets | 81.2376% | 4,418 |
| Equity capital to assets | 11.9710% | 1,974 |
| Core capital (leverage) ratio | 11.7532% | 1,780 |
| Tier 1 risk-based capital ratio | 14.5321% | 3,433 |
| Total risk-based capital ratio | 15.8241% | 3,317 |
| Memoranda: | ||
| Average total assets | $53,688,400 | 5,464 |
| Average earning assets | $50,917,200 | 5,414 |
| Average equity | $6,311,400 | 5,374 |
| Average total loans | $40,345,000 | 5,002 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6353% | 1,244 |
| Cost of funding earning assets | 0.4001% | 3,222 |
| Net interest margin | 4.2352% | 1,092 |
| Noninterest income to average assets | 0.4067% | 4,043 |
| Noninterest expense to average assets | 2.7776% | 3,282 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0212% | 2,371 |
| Return on assets (ROA) | 1.0228% | 2,453 |
| Pretax return on assets | 1.6488% | 1,249 |
| Return on Equity (ROE) | 8.7392% | 2,711 |
| Retained earnings to average equity (ytd only) | 8.7392% | 990 |
| Net charge-offs to loans | -0.0635% | 5,626 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7855% | 4,442 |
| Assets per employee ($millions) | 4.4589% | 3,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7268% | 64 |
| Loan loss allowance to noncurrent loans | 210.0735% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 1.7811% | 1,206 |
| Noncurrent loans to loans | 2.2501% | 961 |
| Net loans and leases to total assets | 75.4144% | 1,474 |
| Net loans and leases to deposits | 96.7349% | 934 |
| Net loans and leases to core deposits | 114.0241% | 670 |
| Total domestic deposits to total assets | 77.9599% | 5,191 |
| Equity capital to assets | 12.2320% | 1,923 |
| Core capital (leverage) ratio | 12.1883% | 1,572 |
| Tier 1 risk-based capital ratio | 15.4267% | 3,082 |
| Total risk-based capital ratio | 16.7202% | 2,994 |
| Memoranda: | ||
| Average total assets | $54,097,750 | 5,526 |
| Average earning assets | $51,315,250 | 5,478 |
| Average equity | $6,331,500 | 5,433 |
| Average total loans | $39,914,500 | 5,069 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2156% | 2,495 |
| Cost of funding earning assets | 0.3797% | 3,500 |
| Net interest margin | 3.8359% | 2,184 |
| Noninterest income to average assets | 0.4605% | 3,625 |
| Noninterest expense to average assets | 2.8806% | 2,960 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7662% | 3,551 |
| Return on assets (ROA) | 0.7662% | 3,654 |
| Pretax return on assets | 1.2266% | 2,664 |
| Return on Equity (ROE) | 6.6450% | 3,811 |
| Retained earnings to average equity (ytd only) | 6.6450% | 1,876 |
| Net charge-offs to loans | -0.0256% | 5,262 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1345% | 3,303 |
| Assets per employee ($millions) | 4.6118% | 2,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8351% | 66 |
| Loan loss allowance to noncurrent loans | 246.6501% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 1.4564% | 1,706 |
| Noncurrent loans to loans | 1.9603% | 1,263 |
| Net loans and leases to total assets | 70.7035% | 2,208 |
| Net loans and leases to deposits | 85.1219% | 2,161 |
| Net loans and leases to core deposits | 90.7990% | 2,262 |
| Total domestic deposits to total assets | 83.0614% | 3,931 |
| Equity capital to assets | 11.4671% | 2,443 |
| Core capital (leverage) ratio | 11.2105% | 2,237 |
| Tier 1 risk-based capital ratio | 15.2132% | 3,241 |
| Total risk-based capital ratio | 16.5064% | 3,157 |
| Memoranda: | ||
| Average total assets | $54,294,670 | 5,575 |
| Average earning assets | $51,618,000 | 5,526 |
| Average equity | $6,260,330 | 5,493 |
| Average total loans | $39,101,330 | 5,143 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5554% | 1,320 |
| Cost of funding earning assets | 0.3522% | 3,833 |
| Net interest margin | 4.2032% | 1,051 |
| Noninterest income to average assets | 0.1413% | 5,903 |
| Noninterest expense to average assets | 2.5962% | 3,944 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9522% | 2,495 |
| Return on assets (ROA) | 0.9522% | 2,629 |
| Pretax return on assets | 1.5398% | 1,426 |
| Return on Equity (ROE) | 8.2348% | 2,836 |
| Retained earnings to average equity (ytd only) | 8.2348% | 1,479 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7698% | 4,657 |
| Assets per employee ($millions) | 4.8044% | 2,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4329% | 53 |
| Loan loss allowance to noncurrent loans | 2,754.1667% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 5,459 |
| Noncurrent loans to loans | 0.1973% | 5,072 |
| Net loans and leases to total assets | 59.8703% | 3,671 |
| Net loans and leases to deposits | 71.5171% | 3,588 |
| Net loans and leases to core deposits | 75.0125% | 3,688 |
| Total domestic deposits to total assets | 83.7146% | 3,928 |
| Equity capital to assets | 10.8997% | 3,089 |
| Core capital (leverage) ratio | 11.6900% | 1,859 |
| Tier 1 risk-based capital ratio | 17.7277% | 2,227 |
| Total risk-based capital ratio | 19.0326% | 2,167 |
| Memoranda: | ||
| Average total assets | $53,771,500 | 5,643 |
| Average earning assets | $51,104,000 | 5,584 |
| Average equity | $6,217,500 | 5,549 |
| Average total loans | $38,094,000 | 5,208 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0982% | 638 |
| Cost of funding earning assets | 0.3922% | 3,765 |
| Net interest margin | 4.7060% | 519 |
| Noninterest income to average assets | 0.3630% | 4,494 |
| Noninterest expense to average assets | 3.0739% | 2,610 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2388% | 1,471 |
| Return on assets (ROA) | 1.2283% | 1,555 |
| Pretax return on assets | 1.6795% | 1,029 |
| Return on Equity (ROE) | 9.6191% | 2,288 |
| Retained earnings to average equity (ytd only) | 3.1957% | 3,961 |
| Net charge-offs to loans | -0.1771% | 6,242 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4731% | 4,514 |
| Assets per employee ($millions) | 4.1575% | 3,620 |
| Cash dividends to net income (ytd only)* | 66.7780% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9965% | 75 |
| Loan loss allowance to noncurrent loans | 2,679.7297% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 5,436 |
| Noncurrent loans to loans | 0.1865% | 5,164 |
| Net loans and leases to total assets | 75.5763% | 1,335 |
| Net loans and leases to deposits | 93.3107% | 1,148 |
| Net loans and leases to core deposits | 98.8102% | 1,481 |
| Total domestic deposits to total assets | 80.9942% | 4,753 |
| Equity capital to assets | 12.3291% | 1,750 |
| Core capital (leverage) ratio | 11.7407% | 1,801 |
| Tier 1 risk-based capital ratio | 16.5724% | 2,684 |
| Total risk-based capital ratio | 17.8719% | 2,610 |
| Memoranda: | ||
| Average total assets | $48,765,600 | 5,812 |
| Average earning assets | $45,643,400 | 5,783 |
| Average equity | $6,227,200 | 5,575 |
| Average total loans | $36,132,600 | 5,324 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1954% | 528 |
| Cost of funding earning assets | 0.3951% | 3,840 |
| Net interest margin | 4.8003% | 425 |
| Noninterest income to average assets | 0.4372% | 3,974 |
| Noninterest expense to average assets | 2.8160% | 3,401 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6430% | 681 |
| Return on assets (ROA) | 1.6280% | 730 |
| Pretax return on assets | 2.0790% | 473 |
| Return on Equity (ROE) | 12.6365% | 1,312 |
| Retained earnings to average equity (ytd only) | 12.6365% | 365 |
| Net charge-offs to loans | -0.2194% | 6,326 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3027% | 5,534 |
| Assets per employee ($millions) | 4.1861% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6774% | 54 |
| Loan loss allowance to noncurrent loans | 2,636.0000% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 5,442 |
| Noncurrent loans to loans | 0.2154% | 5,259 |
| Net loans and leases to total assets | 65.3853% | 2,970 |
| Net loans and leases to deposits | 77.2515% | 3,035 |
| Net loans and leases to core deposits | 81.0647% | 3,195 |
| Total domestic deposits to total assets | 84.6396% | 3,485 |
| Equity capital to assets | 13.0173% | 1,415 |
| Core capital (leverage) ratio | 12.4116% | 1,452 |
| Tier 1 risk-based capital ratio | 18.7136% | 1,984 |
| Total risk-based capital ratio | 20.0178% | 1,931 |
| Memoranda: | ||
| Average total assets | $48,484,500 | 5,892 |
| Average earning assets | $45,218,500 | 5,858 |
| Average equity | $6,246,250 | 5,634 |
| Average total loans | $35,243,750 | 5,409 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1166% | 601 |
| Cost of funding earning assets | 0.3988% | 3,882 |
| Net interest margin | 4.7178% | 468 |
| Noninterest income to average assets | 0.5845% | 2,896 |
| Noninterest expense to average assets | 2.9101% | 3,128 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.8082% | 485 |
| Return on assets (ROA) | 1.7828% | 525 |
| Pretax return on assets | 2.0417% | 508 |
| Return on Equity (ROE) | 13.8892% | 978 |
| Retained earnings to average equity (ytd only) | 13.8892% | 269 |
| Net charge-offs to loans | -0.2543% | 6,400 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4241% | 5,502 |
| Assets per employee ($millions) | 4.3353% | 3,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2487% | 75 |
| Loan loss allowance to noncurrent loans | 7,014.2857% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0980% | 5,854 |
| Noncurrent loans to loans | 0.0748% | 5,800 |
| Net loans and leases to total assets | 68.1525% | 2,389 |
| Net loans and leases to deposits | 79.6187% | 2,573 |
| Net loans and leases to core deposits | 83.3627% | 2,805 |
| Total domestic deposits to total assets | 85.5987% | 3,240 |
| Equity capital to assets | 12.2446% | 1,816 |
| Core capital (leverage) ratio | 12.7110% | 1,282 |
| Tier 1 risk-based capital ratio | 16.8493% | 2,688 |
| Total risk-based capital ratio | 18.1471% | 2,634 |
| Memoranda: | ||
| Average total assets | $47,901,670 | 5,955 |
| Average earning assets | $44,639,330 | 5,928 |
| Average equity | $6,148,670 | 5,689 |
| Average total loans | $35,384,330 | 5,445 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9893% | 732 |
| Cost of funding earning assets | 0.4111% | 3,849 |
| Net interest margin | 4.5782% | 578 |
| Noninterest income to average assets | 0.1920% | 5,811 |
| Noninterest expense to average assets | 2.6090% | 4,237 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.2513% | 215 |
| Return on assets (ROA) | 2.1902% | 251 |
| Pretax return on assets | 1.7975% | 799 |
| Return on Equity (ROE) | 16.6280% | 574 |
| Retained earnings to average equity (ytd only) | 16.6280% | 237 |
| Net charge-offs to loans | -0.4539% | 6,544 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3984% | 5,608 |
| Assets per employee ($millions) | 4.2794% | 3,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6422% | 69 |
| Loan loss allowance to noncurrent loans | 10,305.2632% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0871% | 5,988 |
| Noncurrent loans to loans | 0.0548% | 5,990 |
| Net loans and leases to total assets | 69.5622% | 1,971 |
| Net loans and leases to deposits | 82.2119% | 2,027 |
| Net loans and leases to core deposits | 83.1682% | 2,623 |
| Total domestic deposits to total assets | 84.6133% | 4,039 |
| Equity capital to assets | 13.1264% | 1,249 |
| Core capital (leverage) ratio | 13.0709% | 1,137 |
| Tier 1 risk-based capital ratio | 19.3626% | 1,869 |
| Total risk-based capital ratio | 20.6738% | 1,823 |
| Memoranda: | ||
| Average total assets | $45,841,000 | 6,071 |
| Average earning assets | $42,812,000 | 6,033 |
| Average equity | $6,038,000 | 5,737 |
| Average total loans | $34,367,000 | 5,525 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8448% | 1,213 |
| Cost of funding earning assets | 0.4804% | 3,815 |
| Net interest margin | 4.3645% | 965 |
| Noninterest income to average assets | 0.1863% | 5,974 |
| Noninterest expense to average assets | 3.0604% | 2,864 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7396% | 3,611 |
| Return on assets (ROA) | 0.7410% | 3,689 |
| Pretax return on assets | 1.2143% | 2,519 |
| Return on Equity (ROE) | 5.6880% | 4,281 |
| Retained earnings to average equity (ytd only) | -0.8877% | 6,047 |
| Net charge-offs to loans | -0.8292% | 6,753 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6291% | 3,550 |
| Assets per employee ($millions) | 4.0554% | 3,755 |
| Cash dividends to net income (ytd only)* | 115.6069% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6390% | 57 |
| Loan loss allowance to noncurrent loans | 9,138.0952% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 6,053 |
| Noncurrent loans to loans | 0.0617% | 6,044 |
| Net loans and leases to total assets | 71.9855% | 1,679 |
| Net loans and leases to deposits | 88.5043% | 1,410 |
| Net loans and leases to core deposits | 89.6357% | 2,067 |
| Total domestic deposits to total assets | 81.3356% | 5,089 |
| Equity capital to assets | 13.2193% | 1,177 |
| Core capital (leverage) ratio | 12.5727% | 1,322 |
| Tier 1 risk-based capital ratio | 19.1942% | 1,869 |
| Total risk-based capital ratio | 20.5069% | 1,811 |
| Memoranda: | ||
| Average total assets | $46,692,600 | 6,100 |
| Average earning assets | $43,716,600 | 6,057 |
| Average equity | $6,083,000 | 5,803 |
| Average total loans | $32,080,800 | 5,664 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7881% | 1,382 |
| Cost of funding earning assets | 0.4951% | 3,812 |
| Net interest margin | 4.2930% | 1,113 |
| Noninterest income to average assets | 0.2231% | 5,830 |
| Noninterest expense to average assets | 2.8635% | 3,429 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8426% | 3,136 |
| Return on assets (ROA) | 0.8444% | 3,244 |
| Pretax return on assets | 1.3781% | 2,003 |
| Return on Equity (ROE) | 6.5040% | 3,923 |
| Retained earnings to average equity (ytd only) | 6.5040% | 2,129 |
| Net charge-offs to loans | -1.0213% | 6,832 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5550% | 4,180 |
| Assets per employee ($millions) | 3.8335% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0128% | 53 |
| Loan loss allowance to noncurrent loans | 4,858.9744% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.1660% | 5,941 |
| Noncurrent loans to loans | 0.1237% | 5,959 |
| Net loans and leases to total assets | 70.2452% | 1,921 |
| Net loans and leases to deposits | 87.4085% | 1,440 |
| Net loans and leases to core deposits | 88.6060% | 2,122 |
| Total domestic deposits to total assets | 80.3643% | 5,402 |
| Equity capital to assets | 14.8240% | 743 |
| Core capital (leverage) ratio | 13.5976% | 981 |
| Tier 1 risk-based capital ratio | 22.4548% | 1,235 |
| Total risk-based capital ratio | 23.7645% | 1,201 |
| Memoranda: | ||
| Average total assets | $47,213,500 | 6,157 |
| Average earning assets | $44,164,250 | 6,121 |
| Average equity | $6,129,500 | 5,858 |
| Average total loans | $31,593,250 | 5,742 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6124% | 1,810 |
| Cost of funding earning assets | 0.5057% | 3,845 |
| Net interest margin | 4.1067% | 1,519 |
| Noninterest income to average assets | 0.2413% | 5,724 |
| Noninterest expense to average assets | 2.8101% | 3,638 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7827% | 3,388 |
| Return on assets (ROA) | 0.7854% | 3,538 |
| Pretax return on assets | 1.2885% | 2,346 |
| Return on Equity (ROE) | 6.3065% | 3,990 |
| Retained earnings to average equity (ytd only) | 6.3065% | 2,258 |
| Net charge-offs to loans | -1.1006% | 6,872 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6314% | 4,073 |
| Assets per employee ($millions) | 4.4115% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7414% | 76 |
| Loan loss allowance to noncurrent loans | 2,470.2703% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.2164% | 5,849 |
| Noncurrent loans to loans | 0.2324% | 5,725 |
| Net loans and leases to total assets | 61.8439% | 3,317 |
| Net loans and leases to deposits | 74.3767% | 3,093 |
| Net loans and leases to core deposits | 75.2306% | 3,642 |
| Total domestic deposits to total assets | 83.1496% | 4,644 |
| Equity capital to assets | 12.6734% | 1,485 |
| Core capital (leverage) ratio | 12.5880% | 1,326 |
| Tier 1 risk-based capital ratio | 20.7494% | 1,558 |
| Total risk-based capital ratio | 22.0611% | 1,511 |
| Memoranda: | ||
| Average total assets | $48,895,330 | 6,149 |
| Average earning assets | $45,876,330 | 6,106 |
| Average equity | $6,089,000 | 5,908 |
| Average total loans | $31,619,000 | 5,771 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5566% | 1,965 |
| Cost of funding earning assets | 0.5555% | 3,515 |
| Net interest margin | 4.0011% | 1,778 |
| Noninterest income to average assets | 0.0571% | 6,710 |
| Noninterest expense to average assets | 2.5021% | 4,737 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7853% | 3,243 |
| Return on assets (ROA) | 0.7906% | 3,348 |
| Pretax return on assets | 1.3203% | 2,159 |
| Return on Equity (ROE) | 6.4042% | 3,818 |
| Retained earnings to average equity (ytd only) | 6.4042% | 2,455 |
| Net charge-offs to loans | -0.5205% | 6,857 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5983% | 4,728 |
| Assets per employee ($millions) | 4.8595% | 2,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5715% | 98 |
| Loan loss allowance to noncurrent loans | 2,491.1765% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 6,009 |
| Noncurrent loans to loans | 0.2236% | 5,853 |
| Net loans and leases to total assets | 53.7106% | 4,462 |
| Net loans and leases to deposits | 64.8734% | 4,199 |
| Net loans and leases to core deposits | 65.3265% | 4,609 |
| Total domestic deposits to total assets | 82.7930% | 4,921 |
| Equity capital to assets | 11.4096% | 2,510 |
| Core capital (leverage) ratio | 11.8208% | 1,668 |
| Tier 1 risk-based capital ratio | 22.4548% | 1,250 |
| Total risk-based capital ratio | 23.7639% | 1,222 |
| Memoranda: | ||
| Average total assets | $49,079,500 | 6,206 |
| Average earning assets | $46,087,500 | 6,158 |
| Average equity | $6,058,500 | 5,965 |
| Average total loans | $31,509,000 | 5,822 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1289% | 1,244 |
| Cost of funding earning assets | 0.7733% | 2,884 |
| Net interest margin | 4.3556% | 1,266 |
| Noninterest income to average assets | 0.2907% | 5,393 |
| Noninterest expense to average assets | 2.8562% | 3,827 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9397% | 2,603 |
| Return on assets (ROA) | 0.9409% | 2,847 |
| Pretax return on assets | 1.4752% | 1,760 |
| Return on Equity (ROE) | 7.9626% | 3,102 |
| Retained earnings to average equity (ytd only) | 3.2249% | 3,954 |
| Net charge-offs to loans | -0.3580% | 6,990 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9710% | 4,512 |
| Assets per employee ($millions) | 4.0640% | 3,830 |
| Cash dividends to net income (ytd only)* | 59.4990% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0685% | 128 |
| Loan loss allowance to noncurrent loans | 2,328.1690% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.2863% | 5,827 |
| Noncurrent loans to loans | 0.2177% | 5,931 |
| Net loans and leases to total assets | 69.2555% | 1,987 |
| Net loans and leases to deposits | 87.6483% | 1,314 |
| Net loans and leases to core deposits | 88.7971% | 1,995 |
| Total domestic deposits to total assets | 79.0153% | 5,886 |
| Equity capital to assets | 13.4619% | 1,243 |
| Core capital (leverage) ratio | 12.0713% | 1,528 |
| Tier 1 risk-based capital ratio | 20.0591% | 1,661 |
| Total risk-based capital ratio | 21.3614% | 1,621 |
| Memoranda: | ||
| Average total assets | $50,907,400 | 6,188 |
| Average earning assets | $47,203,200 | 6,146 |
| Average equity | $6,015,600 | 6,023 |
| Average total loans | $34,635,000 | 5,731 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0781% | 1,481 |
| Cost of funding earning assets | 0.8001% | 2,937 |
| Net interest margin | 4.2780% | 1,536 |
| Noninterest income to average assets | 0.3355% | 5,115 |
| Noninterest expense to average assets | 2.6713% | 4,497 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0430% | 2,308 |
| Return on assets (ROA) | 1.0446% | 2,522 |
| Pretax return on assets | 1.6216% | 1,505 |
| Return on Equity (ROE) | 9.1104% | 2,743 |
| Retained earnings to average equity (ytd only) | 9.1104% | 1,179 |
| Net charge-offs to loans | 0.0417% | 5,067 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 57.8943% | 672 |
| Efficiency ratio | 62.2630% | 5,111 |
| Assets per employee ($millions) | 4.7460% | 2,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4519% | 220 |
| Loan loss allowance to noncurrent loans | 2,139.4366% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 6,072 |
| Noncurrent loans to loans | 0.2081% | 6,087 |
| Net loans and leases to total assets | 62.4468% | 3,307 |
| Net loans and leases to deposits | 79.7617% | 2,425 |
| Net loans and leases to core deposits | 80.6636% | 3,127 |
| Total domestic deposits to total assets | 78.2918% | 6,016 |
| Equity capital to assets | 11.9431% | 2,310 |
| Core capital (leverage) ratio | 12.0617% | 1,621 |
| Tier 1 risk-based capital ratio | 18.0963% | 2,300 |
| Total risk-based capital ratio | 19.3851% | 2,266 |
| Memoranda: | ||
| Average total assets | $52,458,250 | 6,208 |
| Average earning assets | $48,494,500 | 6,181 |
| Average equity | $6,015,000 | 6,086 |
| Average total loans | $35,140,500 | 5,789 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1884% | 1,289 |
| Cost of funding earning assets | 0.8442% | 2,842 |
| Net interest margin | 4.3441% | 1,356 |
| Noninterest income to average assets | 0.4339% | 4,406 |
| Noninterest expense to average assets | 2.8510% | 3,826 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0620% | 2,195 |
| Return on assets (ROA) | 1.0620% | 2,424 |
| Pretax return on assets | 1.6177% | 1,496 |
| Return on Equity (ROE) | 9.3913% | 2,617 |
| Retained earnings to average equity (ytd only) | 9.3913% | 1,140 |
| Net charge-offs to loans | 0.3044% | 2,812 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 7.8704% | 2,407 |
| Efficiency ratio | 63.7990% | 4,929 |
| Assets per employee ($millions) | 4.5092% | 2,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2279% | 294 |
| Loan loss allowance to noncurrent loans | 87.1825% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 3.5342% | 1,505 |
| Noncurrent loans to loans | 4.8495% | 1,044 |
| Net loans and leases to total assets | 67.4079% | 2,390 |
| Net loans and leases to deposits | 87.7628% | 1,390 |
| Net loans and leases to core deposits | 89.0982% | 2,085 |
| Total domestic deposits to total assets | 76.8069% | 6,361 |
| Equity capital to assets | 12.2881% | 1,942 |
| Core capital (leverage) ratio | 12.1599% | 1,513 |
| Tier 1 risk-based capital ratio | 18.0801% | 2,268 |
| Total risk-based capital ratio | 19.3688% | 2,230 |
| Memoranda: | ||
| Average total assets | $52,542,330 | 6,248 |
| Average earning assets | $48,801,330 | 6,205 |
| Average equity | $5,941,670 | 6,133 |
| Average total loans | $35,480,670 | 5,812 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0487% | 1,723 |
| Cost of funding earning assets | 0.9259% | 2,473 |
| Net interest margin | 4.1228% | 2,017 |
| Noninterest income to average assets | 0.1555% | 6,464 |
| Noninterest expense to average assets | 2.4587% | 5,292 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9553% | 2,659 |
| Return on assets (ROA) | 0.9553% | 2,870 |
| Pretax return on assets | 1.5552% | 1,722 |
| Return on Equity (ROE) | 8.7980% | 2,909 |
| Retained earnings to average equity (ytd only) | 8.7980% | 1,663 |
| Net charge-offs to loans | 0.9954% | 1,044 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.3596% | 3,229 |
| Efficiency ratio | 61.2546% | 5,412 |
| Assets per employee ($millions) | 4.8128% | 2,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0882% | 348 |
| Loan loss allowance to noncurrent loans | 81.4019% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 3.5303% | 1,622 |
| Noncurrent loans to loans | 5.0223% | 1,112 |
| Net loans and leases to total assets | 63.8125% | 2,885 |
| Net loans and leases to deposits | 83.3222% | 1,749 |
| Net loans and leases to core deposits | 84.5103% | 2,477 |
| Total domestic deposits to total assets | 76.5853% | 6,474 |
| Equity capital to assets | 11.1993% | 2,711 |
| Core capital (leverage) ratio | 10.6808% | 2,569 |
| Tier 1 risk-based capital ratio | 17.4182% | 2,512 |
| Total risk-based capital ratio | 18.7062% | 2,463 |
| Memoranda: | ||
| Average total assets | $54,013,000 | 6,231 |
| Average earning assets | $50,548,000 | 6,172 |
| Average equity | $5,865,000 | 6,185 |
| Average total loans | $35,765,500 | 5,834 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2841% | 1,754 |
| Cost of funding earning assets | 1.1182% | 2,549 |
| Net interest margin | 4.1659% | 2,174 |
| Noninterest income to average assets | 0.3969% | 4,639 |
| Noninterest expense to average assets | 2.8020% | 4,339 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9360% | 2,463 |
| Return on assets (ROA) | 0.9425% | 2,565 |
| Pretax return on assets | 1.5505% | 1,339 |
| Return on Equity (ROE) | 10.0711% | 2,038 |
| Retained earnings to average equity (ytd only) | 10.0711% | 550 |
| Net charge-offs to loans | 0.3958% | 3,433 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,623 |
| Efficiency ratio | 64.5274% | 5,035 |
| Assets per employee ($millions) | 4.5904% | 2,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2112% | 322 |
| Loan loss allowance to noncurrent loans | 78.5714% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 3.7143% | 1,578 |
| Noncurrent loans to loans | 5.3597% | 1,008 |
| Net loans and leases to total assets | 63.1370% | 3,373 |
| Net loans and leases to deposits | 81.1286% | 2,333 |
| Net loans and leases to core deposits | 84.5341% | 2,811 |
| Total domestic deposits to total assets | 77.8234% | 6,229 |
| Equity capital to assets | 10.5310% | 3,500 |
| Core capital (leverage) ratio | 10.1507% | 3,166 |
| Tier 1 risk-based capital ratio | 17.4631% | 2,397 |
| Total risk-based capital ratio | 18.7560% | 2,344 |
| Memoranda: | ||
| Average total assets | $59,207,000 | 6,066 |
| Average earning assets | $56,074,200 | 5,979 |
| Average equity | $5,540,600 | 6,283 |
| Average total loans | $38,399,200 | 5,758 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2565% | 2,004 |
| Cost of funding earning assets | 1.1461% | 2,656 |
| Net interest margin | 4.1104% | 2,433 |
| Noninterest income to average assets | 0.4825% | 4,018 |
| Noninterest expense to average assets | 2.7247% | 4,636 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0030% | 2,305 |
| Return on assets (ROA) | 1.0115% | 2,434 |
| Pretax return on assets | 1.6689% | 1,209 |
| Return on Equity (ROE) | 11.1281% | 1,820 |
| Retained earnings to average equity (ytd only) | 11.1281% | 610 |
| Net charge-offs to loans | 0.0240% | 5,814 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 106.8928% | 341 |
| Efficiency ratio | 62.2031% | 5,380 |
| Assets per employee ($millions) | 4.8819% | 2,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7615% | 220 |
| Loan loss allowance to noncurrent loans | 56.7650% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 5.1363% | 1,117 |
| Noncurrent loans to loans | 8.3881% | 506 |
| Net loans and leases to total assets | 57.1548% | 4,652 |
| Net loans and leases to deposits | 72.0653% | 3,981 |
| Net loans and leases to core deposits | 76.1479% | 4,182 |
| Total domestic deposits to total assets | 79.3097% | 5,918 |
| Equity capital to assets | 9.7025% | 4,775 |
| Core capital (leverage) ratio | 9.8555% | 3,644 |
| Tier 1 risk-based capital ratio | 17.1695% | 2,578 |
| Total risk-based capital ratio | 18.4662% | 2,519 |
| Memoranda: | ||
| Average total assets | $60,237,500 | 6,078 |
| Average earning assets | $57,121,750 | 6,002 |
| Average equity | $5,475,500 | 6,348 |
| Average total loans | $38,922,000 | 5,794 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4913% | 1,314 |
| Cost of funding earning assets | 1.1762% | 2,729 |
| Net interest margin | 4.3151% | 1,611 |
| Noninterest income to average assets | 0.6580% | 2,778 |
| Noninterest expense to average assets | 2.8854% | 4,081 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1351% | 1,772 |
| Return on assets (ROA) | 1.1351% | 1,845 |
| Pretax return on assets | 1.8885% | 728 |
| Return on Equity (ROE) | 12.7636% | 1,257 |
| Retained earnings to average equity (ytd only) | 12.7636% | 413 |
| Net charge-offs to loans | 1.7373% | 817 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.6447% | 4,060 |
| Efficiency ratio | 60.4411% | 5,810 |
| Assets per employee ($millions) | 4.7736% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3654% | 663 |
| Loan loss allowance to noncurrent loans | 35.8836% | 5,910 |
| Noncurrent assets plus other real estate owned to assets | 6.6163% | 800 |
| Noncurrent loans to loans | 9.3787% | 430 |
| Net loans and leases to total assets | 66.7685% | 2,869 |
| Net loans and leases to deposits | 84.5480% | 2,027 |
| Net loans and leases to core deposits | 86.5532% | 2,817 |
| Total domestic deposits to total assets | 78.9711% | 6,094 |
| Equity capital to assets | 9.7446% | 4,471 |
| Core capital (leverage) ratio | 9.4296% | 4,063 |
| Tier 1 risk-based capital ratio | 15.3190% | 3,339 |
| Total risk-based capital ratio | 16.5983% | 3,275 |
| Memoranda: | ||
| Average total assets | $60,789,000 | 6,111 |
| Average earning assets | $57,983,000 | 6,024 |
| Average equity | $5,406,000 | 6,401 |
| Average total loans | $40,177,000 | 5,791 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4428% | 1,443 |
| Cost of funding earning assets | 1.1969% | 2,839 |
| Net interest margin | 4.2459% | 1,761 |
| Noninterest income to average assets | 0.1023% | 6,900 |
| Noninterest expense to average assets | 2.3536% | 6,040 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0937% | 1,861 |
| Return on assets (ROA) | 1.0937% | 1,907 |
| Pretax return on assets | 1.8100% | 798 |
| Return on Equity (ROE) | 12.8620% | 1,226 |
| Retained earnings to average equity (ytd only) | 12.8620% | 608 |
| Net charge-offs to loans | 3.8937% | 237 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.7183% | 4,096 |
| Efficiency ratio | 56.5284% | 6,442 |
| Assets per employee ($millions) | 5.0608% | 2,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2149% | 762 |
| Loan loss allowance to noncurrent loans | 68.8235% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 3.2077% | 2,145 |
| Noncurrent loans to loans | 4.6713% | 1,488 |
| Net loans and leases to total assets | 63.7998% | 3,472 |
| Net loans and leases to deposits | 79.4280% | 2,819 |
| Net loans and leases to core deposits | 84.8740% | 3,051 |
| Total domestic deposits to total assets | 80.3241% | 5,860 |
| Equity capital to assets | 8.8969% | 5,351 |
| Core capital (leverage) ratio | 8.6005% | 5,264 |
| Tier 1 risk-based capital ratio | 14.4864% | 3,747 |
| Total risk-based capital ratio | 15.7379% | 3,706 |
| Memoranda: | ||
| Average total assets | $62,542,000 | 6,109 |
| Average earning assets | $59,822,500 | 6,003 |
| Average equity | $5,318,000 | 6,450 |
| Average total loans | $40,476,000 | 5,830 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6971% | 1,578 |
| Cost of funding earning assets | 1.3460% | 3,601 |
| Net interest margin | 4.3511% | 1,641 |
| Noninterest income to average assets | 0.0336% | 7,184 |
| Noninterest expense to average assets | 2.3772% | 6,147 |
| Loan and lease loss provision to assets | 2.2826% | 536 |
| Net operating income to assets | -0.3189% | 6,235 |
| Return on assets (ROA) | -0.3189% | 6,274 |
| Pretax return on assets | -0.4928% | 6,317 |
| Return on Equity (ROE) | -4.0256% | 6,357 |
| Retained earnings to average equity (ytd only) | -5.6435% | 6,352 |
| Net charge-offs to loans | 2.1023% | 945 |
| Credit loss provision to net charge-offs | 134.0502% | 2,912 |
| Earnings coverage of net charge-offs (x) | 1.0511% | 5,058 |
| Efficiency ratio | 57.0487% | 6,452 |
| Assets per employee ($millions) | 5.3629% | 1,704 |
| Cash dividends to net income (ytd only)* | -40.1914% | 7,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1080% | 364 |
| Loan loss allowance to noncurrent loans | 38.3265% | 5,746 |
| Noncurrent assets plus other real estate owned to assets | 7.0298% | 774 |
| Noncurrent loans to loans | 10.7185% | 372 |
| Net loans and leases to total assets | 60.9727% | 4,495 |
| Net loans and leases to deposits | 74.8193% | 4,057 |
| Net loans and leases to core deposits | 81.2267% | 4,018 |
| Total domestic deposits to total assets | 81.4933% | 5,358 |
| Equity capital to assets | 8.1315% | 6,345 |
| Core capital (leverage) ratio | 8.0942% | 6,029 |
| Tier 1 risk-based capital ratio | 13.7306% | 4,036 |
| Total risk-based capital ratio | 15.0398% | 3,978 |
| Memoranda: | ||
| Average total assets | $65,540,000 | 6,015 |
| Average earning assets | $62,260,200 | 5,911 |
| Average equity | $5,191,800 | 6,602 |
| Average total loans | $53,084,000 | 5,353 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0398% | 861 |
| Cost of funding earning assets | 1.3657% | 3,803 |
| Net interest margin | 4.6741% | 901 |
| Noninterest income to average assets | 0.0344% | 7,348 |
| Noninterest expense to average assets | 2.2722% | 6,402 |
| Loan and lease loss provision to assets | 2.8778% | 317 |
| Net operating income to assets | -0.4374% | 6,549 |
| Return on assets (ROA) | -0.4374% | 6,588 |
| Pretax return on assets | -0.6865% | 6,672 |
| Return on Equity (ROE) | -5.5580% | 6,690 |
| Retained earnings to average equity (ytd only) | -7.7196% | 6,753 |
| Net charge-offs to loans | 2.5134% | 671 |
| Credit loss provision to net charge-offs | 134.3100% | 3,000 |
| Earnings coverage of net charge-offs (x) | 1.0227% | 5,037 |
| Efficiency ratio | 50.9074% | 7,078 |
| Assets per employee ($millions) | 5.4017% | 1,718 |
| Cash dividends to net income (ytd only)* | -38.8902% | 7,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7675% | 444 |
| Loan loss allowance to noncurrent loans | 24.9400% | 6,653 |
| Noncurrent assets plus other real estate owned to assets | 10.4844% | 367 |
| Noncurrent loans to loans | 15.1063% | 160 |
| Net loans and leases to total assets | 65.5708% | 3,783 |
| Net loans and leases to deposits | 80.3991% | 3,375 |
| Net loans and leases to core deposits | 91.0304% | 2,949 |
| Total domestic deposits to total assets | 81.5566% | 5,178 |
| Equity capital to assets | 8.0762% | 6,735 |
| Core capital (leverage) ratio | 7.7360% | 6,636 |
| Tier 1 risk-based capital ratio | 12.5484% | 4,938 |
| Total risk-based capital ratio | 13.8545% | 4,867 |
| Memoranda: | ||
| Average total assets | $65,836,250 | 6,074 |
| Average earning assets | $62,384,250 | 5,979 |
| Average equity | $5,181,500 | 6,684 |
| Average total loans | $56,125,000 | 5,302 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3347% | 477 |
| Cost of funding earning assets | 1.3153% | 4,437 |
| Net interest margin | 5.0193% | 404 |
| Noninterest income to average assets | 0.1269% | 6,960 |
| Noninterest expense to average assets | 2.1005% | 6,906 |
| Loan and lease loss provision to assets | 4.0529% | 185 |
| Net operating income to assets | -0.7526% | 6,838 |
| Return on assets (ROA) | -0.7526% | 6,853 |
| Pretax return on assets | -1.2633% | 6,991 |
| Return on Equity (ROE) | -9.6443% | 6,955 |
| Retained earnings to average equity (ytd only) | -12.8978% | 7,030 |
| Net charge-offs to loans | 3.1309% | 496 |
| Credit loss provision to net charge-offs | 142.5080% | 2,791 |
| Earnings coverage of net charge-offs (x) | 0.9809% | 4,801 |
| Efficiency ratio | 42.9543% | 7,554 |
| Assets per employee ($millions) | 5.7458% | 1,411 |
| Cash dividends to net income (ytd only)* | -33.7349% | 7,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9398% | 876 |
| Loan loss allowance to noncurrent loans | 29.7066% | 6,386 |
| Noncurrent assets plus other real estate owned to assets | 8.4917% | 549 |
| Noncurrent loans to loans | 9.8960% | 451 |
| Net loans and leases to total assets | 81.4518% | 602 |
| Net loans and leases to deposits | 99.9929% | 726 |
| Net loans and leases to core deposits | 114.0834% | 919 |
| Total domestic deposits to total assets | 81.4576% | 5,216 |
| Equity capital to assets | 7.5460% | 7,084 |
| Core capital (leverage) ratio | 7.3667% | 6,943 |
| Tier 1 risk-based capital ratio | 9.3178% | 7,329 |
| Total risk-based capital ratio | 10.5906% | 7,319 |
| Memoranda: | ||
| Average total assets | $66,175,000 | 6,096 |
| Average earning assets | $62,797,000 | 5,994 |
| Average equity | $5,163,670 | 6,723 |
| Average total loans | $60,111,000 | 5,169 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8996% | 197 |
| Cost of funding earning assets | 1.1759% | 5,528 |
| Net interest margin | 5.7237% | 137 |
| Noninterest income to average assets | 0.1544% | 6,863 |
| Noninterest expense to average assets | 1.9633% | 7,223 |
| Loan and lease loss provision to assets | 0.6174% | 2,060 |
| Net operating income to assets | 1.8152% | 478 |
| Return on assets (ROA) | 1.8152% | 526 |
| Pretax return on assets | 3.0129% | 140 |
| Return on Equity (ROE) | 22.8616% | 236 |
| Retained earnings to average equity (ytd only) | 16.3297% | 320 |
| Net charge-offs to loans | 0.0849% | 4,576 |
| Credit loss provision to net charge-offs | 769.2308% | 584 |
| Earnings coverage of net charge-offs (x) | 45.2308% | 615 |
| Efficiency ratio | 35.0993% | 7,801 |
| Assets per employee ($millions) | 5.5938% | 1,586 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1924% | 1,773 |
| Loan loss allowance to noncurrent loans | 32.4299% | 6,249 |
| Noncurrent assets plus other real estate owned to assets | 6.5624% | 865 |
| Noncurrent loans to loans | 6.7605% | 908 |
| Net loans and leases to total assets | 92.2473% | 33 |
| Net loans and leases to deposits | 107.2262% | 372 |
| Net loans and leases to core deposits | 138.2597% | 349 |
| Total domestic deposits to total assets | 86.0305% | 3,142 |
| Equity capital to assets | 7.8212% | 6,830 |
| Core capital (leverage) ratio | 8.0937% | 6,090 |
| Tier 1 risk-based capital ratio | 8.5415% | 7,555 |
| Total risk-based capital ratio | 9.8047% | 7,572 |
| Memoranda: | ||
| Average total assets | $64,787,500 | 6,216 |
| Average earning assets | $61,569,000 | 6,104 |
| Average equity | $5,144,000 | 6,805 |
| Average total loans | $61,235,500 | 5,200 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2398% | 195 |
| Cost of funding earning assets | 1.3553% | 6,118 |
| Net interest margin | 5.8845% | 124 |
| Noninterest income to average assets | 0.2862% | 6,058 |
| Noninterest expense to average assets | 2.3607% | 6,570 |
| Loan and lease loss provision to assets | 2.3082% | 883 |
| Net operating income to assets | 0.7457% | 2,741 |
| Return on assets (ROA) | 0.7739% | 2,718 |
| Pretax return on assets | 1.2346% | 1,859 |
| Return on Equity (ROE) | 9.0639% | 2,006 |
| Retained earnings to average equity (ytd only) | 7.3979% | 845 |
| Net charge-offs to loans | 1.0839% | 2,252 |
| Credit loss provision to net charge-offs | 232.9915% | 1,566 |
| Earnings coverage of net charge-offs (x) | 3.5316% | 3,306 |
| Efficiency ratio | 40.2890% | 7,854 |
| Assets per employee ($millions) | 5.2042% | 1,945 |
| Cash dividends to net income (ytd only)* | 18.3807% | 3,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1974% | 1,655 |
| Loan loss allowance to noncurrent loans | 32.0592% | 6,318 |
| Noncurrent assets plus other real estate owned to assets | 6.6950% | 788 |
| Noncurrent loans to loans | 6.8541% | 836 |
| Net loans and leases to total assets | 92.6533% | 25 |
| Net loans and leases to deposits | 115.7263% | 238 |
| Net loans and leases to core deposits | 181.5962% | 154 |
| Total domestic deposits to total assets | 80.0624% | 5,655 |
| Equity capital to assets | 8.0673% | 6,507 |
| Core capital (leverage) ratio | 8.0959% | 6,001 |
| Tier 1 risk-based capital ratio | 8.7454% | 7,551 |
| Total risk-based capital ratio | 10.0077% | 7,581 |
| Memoranda: | ||
| Average total assets | $59,049,600 | 6,385 |
| Average earning assets | $55,927,000 | 6,295 |
| Average equity | $5,042,000 | 6,925 |
| Average total loans | $53,972,000 | 5,503 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6616% | 115 |
| Cost of funding earning assets | 1.4260% | 6,135 |
| Net interest margin | 6.2356% | 91 |
| Noninterest income to average assets | 0.3368% | 5,795 |
| Noninterest expense to average assets | 2.2634% | 6,804 |
| Loan and lease loss provision to assets | 0.6071% | 2,961 |
| Net operating income to assets | 2.0191% | 282 |
| Return on assets (ROA) | 2.0572% | 285 |
| Pretax return on assets | 3.4364% | 74 |
| Return on Equity (ROE) | 23.7418% | 140 |
| Retained earnings to average equity (ytd only) | 21.5211% | 48 |
| Net charge-offs to loans | 0.5872% | 2,916 |
| Credit loss provision to net charge-offs | 114.2241% | 4,447 |
| Earnings coverage of net charge-offs (x) | 7.4956% | 2,394 |
| Efficiency ratio | 36.2303% | 7,971 |
| Assets per employee ($millions) | 5.6637% | 1,464 |
| Cash dividends to net income (ytd only)* | 9.3544% | 3,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9672% | 6,458 |
| Loan loss allowance to noncurrent loans | 43.4715% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 2.2552% | 3,038 |
| Noncurrent loans to loans | 2.2249% | 3,350 |
| Net loans and leases to total assets | 91.3773% | 72 |
| Net loans and leases to deposits | 128.4644% | 119 |
| Net loans and leases to core deposits | 193.6031% | 121 |
| Total domestic deposits to total assets | 71.1305% | 7,320 |
| Equity capital to assets | 8.7992% | 5,794 |
| Core capital (leverage) ratio | 8.9247% | 4,772 |
| Tier 1 risk-based capital ratio | 9.5969% | 7,306 |
| Total risk-based capital ratio | 10.5747% | 7,464 |
| Memoranda: | ||
| Average total assets | $58,199,500 | 6,459 |
| Average earning assets | $55,165,750 | 6,373 |
| Average equity | $5,043,000 | 6,986 |
| Average total loans | $52,674,500 | 5,605 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6443% | 130 |
| Cost of funding earning assets | 1.5252% | 6,041 |
| Net interest margin | 6.1191% | 100 |
| Noninterest income to average assets | 0.4540% | 4,821 |
| Noninterest expense to average assets | 2.4493% | 6,300 |
| Loan and lease loss provision to assets | 0.5983% | 2,655 |
| Net operating income to assets | 1.9285% | 351 |
| Return on assets (ROA) | 1.9285% | 382 |
| Pretax return on assets | 3.2235% | 87 |
| Return on Equity (ROE) | 22.3826% | 218 |
| Retained earnings to average equity (ytd only) | 18.9517% | 89 |
| Net charge-offs to loans | 0.3603% | 3,379 |
| Credit loss provision to net charge-offs | 184.7826% | 2,478 |
| Earnings coverage of net charge-offs (x) | 11.8043% | 1,870 |
| Efficiency ratio | 39.0572% | 8,034 |
| Assets per employee ($millions) | 5.1136% | 1,953 |
| Cash dividends to net income (ytd only)* | 15.3285% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 5,669 |
| Loan loss allowance to noncurrent loans | 67.9864% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.6753% | 3,676 |
| Noncurrent loans to loans | 1.6040% | 4,093 |
| Net loans and leases to total assets | 88.8320% | 197 |
| Net loans and leases to deposits | 123.0696% | 189 |
| Net loans and leases to core deposits | 173.7038% | 279 |
| Total domestic deposits to total assets | 72.1803% | 7,222 |
| Equity capital to assets | 8.3943% | 6,205 |
| Core capital (leverage) ratio | 8.3717% | 5,674 |
| Tier 1 risk-based capital ratio | 9.3357% | 7,518 |
| Total risk-based capital ratio | 10.4343% | 7,605 |
| Memoranda: | ||
| Average total assets | $56,832,330 | 6,561 |
| Average earning assets | $54,027,330 | 6,468 |
| Average equity | $4,896,670 | 7,100 |
| Average total loans | $51,071,000 | 5,718 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2323% | 242 |
| Cost of funding earning assets | 1.5816% | 6,107 |
| Net interest margin | 5.6507% | 148 |
| Noninterest income to average assets | 0.2272% | 6,640 |
| Noninterest expense to average assets | 2.0745% | 7,181 |
| Loan and lease loss provision to assets | 0.5864% | 2,147 |
| Net operating income to assets | 1.7813% | 549 |
| Return on assets (ROA) | 1.7813% | 606 |
| Pretax return on assets | 2.9615% | 133 |
| Return on Equity (ROE) | 20.3795% | 399 |
| Retained earnings to average equity (ytd only) | 13.3347% | 591 |
| Net charge-offs to loans | 0.2202% | 3,318 |
| Credit loss provision to net charge-offs | 296.2963% | 1,644 |
| Earnings coverage of net charge-offs (x) | 17.9259% | 1,483 |
| Efficiency ratio | 36.8970% | 8,100 |
| Assets per employee ($millions) | 4.7751% | 2,328 |
| Cash dividends to net income (ytd only)* | 34.5679% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 5,382 |
| Loan loss allowance to noncurrent loans | 72.1455% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 1.6422% | 3,448 |
| Noncurrent loans to loans | 1.5416% | 3,970 |
| Net loans and leases to total assets | 89.2218% | 180 |
| Net loans and leases to deposits | 123.1394% | 233 |
| Net loans and leases to core deposits | 166.1629% | 406 |
| Total domestic deposits to total assets | 72.4560% | 7,140 |
| Equity capital to assets | 8.4693% | 6,120 |
| Core capital (leverage) ratio | 8.8897% | 4,872 |
| Tier 1 risk-based capital ratio | 9.2417% | 7,634 |
| Total risk-based capital ratio | 10.3481% | 7,747 |
| Memoranda: | ||
| Average total assets | $54,567,000 | 6,688 |
| Average earning assets | $52,099,500 | 6,571 |
| Average equity | $4,769,500 | 7,202 |
| Average total loans | $49,051,000 | 5,840 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1113% | 168 |
| Cost of funding earning assets | 2.5051% | 4,180 |
| Net interest margin | 5.6062% | 172 |
| Noninterest income to average assets | 0.4170% | 5,326 |
| Noninterest expense to average assets | 2.8088% | 4,784 |
| Loan and lease loss provision to assets | 0.4796% | 2,901 |
| Net operating income to assets | 1.4668% | 1,085 |
| Return on assets (ROA) | 1.4721% | 1,033 |
| Pretax return on assets | 2.4334% | 230 |
| Return on Equity (ROE) | 18.5897% | 483 |
| Retained earnings to average equity (ytd only) | 12.7969% | 180 |
| Net charge-offs to loans | 0.2858% | 3,495 |
| Credit loss provision to net charge-offs | 194.9153% | 2,514 |
| Earnings coverage of net charge-offs (x) | 11.8051% | 2,327 |
| Efficiency ratio | 49.1606% | 7,722 |
| Assets per employee ($millions) | 4.3194% | 2,920 |
| Cash dividends to net income (ytd only)* | 31.1615% | 4,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 5,098 |
| Loan loss allowance to noncurrent loans | 87.2910% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 1.3987% | 3,401 |
| Noncurrent loans to loans | 1.2887% | 3,936 |
| Net loans and leases to total assets | 88.5150% | 320 |
| Net loans and leases to deposits | 120.5053% | 379 |
| Net loans and leases to core deposits | 154.8587% | 686 |
| Total domestic deposits to total assets | 73.4532% | 6,747 |
| Equity capital to assets | 9.0406% | 5,322 |
| Core capital (leverage) ratio | 9.4009% | 4,156 |
| Tier 1 risk-based capital ratio | 9.9657% | 6,773 |
| Total risk-based capital ratio | 11.0863% | 6,802 |
| Memoranda: | ||
| Average total assets | $47,957,200 | 6,864 |
| Average earning assets | $45,307,000 | 6,801 |
| Average equity | $3,797,800 | 7,580 |
| Average total loans | $41,290,400 | 6,106 |