Home > The Tilden Bank > Performance and Condition Ratios
The Tilden Bank, Performance and Condition Ratios
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1621% | 2,250 |
| Cost of funding earning assets | 0.4795% | 3,084 |
| Net interest margin | 3.6826% | 1,860 |
| Noninterest income to average assets | 0.1582% | 4,504 |
| Noninterest expense to average assets | 2.7196% | 2,177 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5046% | 4,018 |
| Return on assets (ROA) | 0.6474% | 3,730 |
| Pretax return on assets | 1.0384% | 2,917 |
| Return on Equity (ROE) | 6.2181% | 3,513 |
| Retained earnings to average equity (ytd only) | -2.6044% | 4,743 |
| Net charge-offs to loans | -0.0196% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0265% | 1,224 |
| Assets per employee ($millions) | 5.1087% | 3,273 |
| Cash dividends to net income (ytd only)* | 141.8848% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8033% | 848 |
| Loan loss allowance to noncurrent loans | 52,450.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 4,469 |
| Noncurrent loans to loans | 0.0034% | 4,394 |
| Net loans and leases to total assets | 62.1199% | 2,590 |
| Net loans and leases to deposits | 69.5105% | 2,936 |
| Net loans and leases to core deposits | 70.3165% | 3,234 |
| Total domestic deposits to total assets | 89.3677% | 823 |
| Equity capital to assets | 9.3425% | 3,752 |
| Core capital (leverage) ratio | 9.0690% | 3,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2159% | 2,159 |
| Memoranda: | ||
| Average total assets | $88,504,800 | 4,135 |
| Average earning assets | $82,169,200 | 4,131 |
| Average equity | $9,215,000 | 4,285 |
| Average total loans | $61,314,000 | 3,893 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3192% | 2,044 |
| Cost of funding earning assets | 0.5178% | 3,125 |
| Net interest margin | 3.8014% | 1,617 |
| Noninterest income to average assets | 0.2115% | 4,212 |
| Noninterest expense to average assets | 2.5953% | 2,542 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9015% | 2,703 |
| Return on assets (ROA) | 1.0938% | 2,131 |
| Pretax return on assets | 1.3889% | 1,770 |
| Return on Equity (ROE) | 10.2299% | 1,946 |
| Retained earnings to average equity (ytd only) | 10.2299% | 715 |
| Net charge-offs to loans | -0.0172% | 4,376 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3778% | 1,979 |
| Assets per employee ($millions) | 5.0972% | 3,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7060% | 888 |
| Loan loss allowance to noncurrent loans | 26,125.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 4,506 |
| Noncurrent loans to loans | 0.0065% | 4,427 |
| Net loans and leases to total assets | 65.6218% | 2,565 |
| Net loans and leases to deposits | 73.7970% | 2,979 |
| Net loans and leases to core deposits | 74.6571% | 3,271 |
| Total domestic deposits to total assets | 88.9221% | 802 |
| Equity capital to assets | 10.5864% | 2,716 |
| Core capital (leverage) ratio | 10.4166% | 2,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2434% | 1,752 |
| Memoranda: | ||
| Average total assets | $87,642,000 | 4,152 |
| Average earning assets | $81,370,500 | 4,150 |
| Average equity | $9,371,000 | 4,283 |
| Average total loans | $62,099,500 | 3,899 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3297% | 2,395 |
| Cost of funding earning assets | 0.5615% | 3,173 |
| Net interest margin | 3.7682% | 1,926 |
| Noninterest income to average assets | 0.2110% | 4,221 |
| Noninterest expense to average assets | 2.7146% | 2,341 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7850% | 3,084 |
| Return on assets (ROA) | 1.0780% | 2,166 |
| Pretax return on assets | 1.3678% | 1,810 |
| Return on Equity (ROE) | 10.0465% | 1,966 |
| Retained earnings to average equity (ytd only) | 10.0465% | 781 |
| Net charge-offs to loans | -0.0224% | 4,440 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1418% | 1,548 |
| Assets per employee ($millions) | 4.7551% | 3,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6887% | 835 |
| Loan loss allowance to noncurrent loans | 10,440.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 4,521 |
| Noncurrent loans to loans | 0.0162% | 4,440 |
| Net loans and leases to total assets | 67.2717% | 2,460 |
| Net loans and leases to deposits | 75.5316% | 2,920 |
| Net loans and leases to core deposits | 76.7612% | 3,227 |
| Total domestic deposits to total assets | 89.0644% | 722 |
| Equity capital to assets | 10.4530% | 2,786 |
| Core capital (leverage) ratio | 10.4274% | 2,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7621% | 1,902 |
| Memoranda: | ||
| Average total assets | $86,272,667 | 4,174 |
| Average earning assets | $80,143,667 | 4,170 |
| Average equity | $9,257,000 | 4,314 |
| Average total loans | $62,381,667 | 3,901 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6688% | 1,804 |
| Cost of funding earning assets | 0.6479% | 3,182 |
| Net interest margin | 4.0209% | 1,333 |
| Noninterest income to average assets | 0.2232% | 4,218 |
| Noninterest expense to average assets | 2.6355% | 2,871 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0207% | 2,111 |
| Return on assets (ROA) | 1.3771% | 1,121 |
| Pretax return on assets | 1.7522% | 765 |
| Return on Equity (ROE) | 12.6589% | 947 |
| Retained earnings to average equity (ytd only) | 12.6589% | 357 |
| Net charge-offs to loans | -0.0255% | 4,410 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9481% | 2,828 |
| Assets per employee ($millions) | 4.2393% | 3,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6990% | 885 |
| Loan loss allowance to noncurrent loans | 8,675.0000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 4,572 |
| Noncurrent loans to loans | 0.0196% | 4,496 |
| Net loans and leases to total assets | 71.0397% | 2,085 |
| Net loans and leases to deposits | 80.3423% | 2,642 |
| Net loans and leases to core deposits | 81.7456% | 3,038 |
| Total domestic deposits to total assets | 88.4213% | 918 |
| Equity capital to assets | 10.9654% | 2,889 |
| Core capital (leverage) ratio | 10.6452% | 2,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8243% | 2,784 |
| Memoranda: | ||
| Average total assets | $84,235,500 | 4,205 |
| Average earning assets | $77,793,500 | 4,207 |
| Average equity | $9,163,500 | 4,344 |
| Average total loans | $62,661,500 | 3,910 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9453% | 1,622 |
| Cost of funding earning assets | 0.6512% | 3,408 |
| Net interest margin | 4.2941% | 1,102 |
| Noninterest income to average assets | 0.8694% | 1,248 |
| Noninterest expense to average assets | 2.9105% | 2,264 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4962% | 1,065 |
| Return on assets (ROA) | 1.4990% | 1,122 |
| Pretax return on assets | 1.9007% | 742 |
| Return on Equity (ROE) | 13.5943% | 985 |
| Retained earnings to average equity (ytd only) | 0.9244% | 4,411 |
| Net charge-offs to loans | -0.0761% | 4,909 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5388% | 3,616 |
| Assets per employee ($millions) | 3.9850% | 3,917 |
| Cash dividends to net income (ytd only)* | 93.2000% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6190% | 938 |
| Loan loss allowance to noncurrent loans | 25,925.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 4,662 |
| Noncurrent loans to loans | 0.0062% | 4,574 |
| Net loans and leases to total assets | 75.2981% | 1,536 |
| Net loans and leases to deposits | 86.2910% | 2,052 |
| Net loans and leases to core deposits | 87.8366% | 2,618 |
| Total domestic deposits to total assets | 87.2607% | 1,487 |
| Equity capital to assets | 10.7903% | 3,194 |
| Core capital (leverage) ratio | 10.3612% | 3,112 |
| Tier 1 risk-based capital ratio | 12.6438% | 3,980 |
| Total risk-based capital ratio | 13.8967% | 3,864 |
| Memoranda: | ||
| Average total assets | $83,388,200 | 4,237 |
| Average earning assets | $76,476,400 | 4,243 |
| Average equity | $9,195,000 | 4,343 |
| Average total loans | $63,075,400 | 3,927 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9584% | 1,656 |
| Cost of funding earning assets | 0.6338% | 3,520 |
| Net interest margin | 4.3246% | 1,117 |
| Noninterest income to average assets | 1.0306% | 873 |
| Noninterest expense to average assets | 2.9590% | 2,085 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6074% | 915 |
| Return on assets (ROA) | 1.6099% | 947 |
| Pretax return on assets | 2.0388% | 632 |
| Return on Equity (ROE) | 14.5221% | 880 |
| Retained earnings to average equity (ytd only) | 14.5221% | 177 |
| Net charge-offs to loans | -0.0955% | 4,979 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2438% | 3,775 |
| Assets per employee ($millions) | 4.0215% | 3,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5984% | 999 |
| Loan loss allowance to noncurrent loans | 20,680.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 4,743 |
| Noncurrent loans to loans | 0.0077% | 4,648 |
| Net loans and leases to total assets | 75.3774% | 1,588 |
| Net loans and leases to deposits | 88.8655% | 1,827 |
| Net loans and leases to core deposits | 89.4939% | 2,587 |
| Total domestic deposits to total assets | 84.8220% | 2,489 |
| Equity capital to assets | 11.8222% | 2,399 |
| Core capital (leverage) ratio | 11.4372% | 2,275 |
| Tier 1 risk-based capital ratio | 11.4267% | 4,707 |
| Total risk-based capital ratio | 12.6511% | 4,616 |
| Memoranda: | ||
| Average total assets | $83,313,750 | 4,289 |
| Average earning assets | $76,367,250 | 4,292 |
| Average equity | $9,236,250 | 4,385 |
| Average total loans | $62,831,500 | 3,975 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8995% | 1,755 |
| Cost of funding earning assets | 0.6092% | 3,605 |
| Net interest margin | 4.2904% | 1,168 |
| Noninterest income to average assets | 0.3304% | 3,733 |
| Noninterest expense to average assets | 3.0144% | 1,968 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7645% | 3,774 |
| Return on assets (ROA) | 1.8448% | 565 |
| Pretax return on assets | 2.3368% | 328 |
| Return on Equity (ROE) | 17.0246% | 460 |
| Retained earnings to average equity (ytd only) | 17.0246% | 105 |
| Net charge-offs to loans | -0.1286% | 5,050 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5816% | 2,139 |
| Assets per employee ($millions) | 3.6611% | 4,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6396% | 944 |
| Loan loss allowance to noncurrent loans | 3,026.4706% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 4,568 |
| Noncurrent loans to loans | 0.0542% | 4,443 |
| Net loans and leases to total assets | 73.3116% | 2,000 |
| Net loans and leases to deposits | 85.6865% | 2,290 |
| Net loans and leases to core deposits | 85.9873% | 2,963 |
| Total domestic deposits to total assets | 85.5579% | 2,244 |
| Equity capital to assets | 11.4364% | 2,663 |
| Core capital (leverage) ratio | 11.3437% | 2,300 |
| Tier 1 risk-based capital ratio | 13.9310% | 3,356 |
| Total risk-based capital ratio | 15.1851% | 3,261 |
| Memoranda: | ||
| Average total assets | $82,934,670 | 4,330 |
| Average earning assets | $76,170,670 | 4,327 |
| Average equity | $8,987,000 | 4,437 |
| Average total loans | $62,211,670 | 4,007 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7726% | 1,979 |
| Cost of funding earning assets | 0.5708% | 3,725 |
| Net interest margin | 4.2018% | 1,300 |
| Noninterest income to average assets | 0.3402% | 3,586 |
| Noninterest expense to average assets | 2.9842% | 2,037 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9623% | 2,999 |
| Return on assets (ROA) | 0.9623% | 3,045 |
| Pretax return on assets | 1.2199% | 2,732 |
| Return on Equity (ROE) | 9.1397% | 2,741 |
| Retained earnings to average equity (ytd only) | 9.1397% | 1,264 |
| Net charge-offs to loans | -0.0194% | 4,480 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9827% | 2,189 |
| Assets per employee ($millions) | 3.0565% | 4,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5743% | 1,118 |
| Loan loss allowance to noncurrent loans | 1,771.4286% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 4,480 |
| Noncurrent loans to loans | 0.0889% | 4,352 |
| Net loans and leases to total assets | 75.1554% | 1,617 |
| Net loans and leases to deposits | 84.7503% | 2,291 |
| Net loans and leases to core deposits | 85.0420% | 2,950 |
| Total domestic deposits to total assets | 88.6786% | 1,007 |
| Equity capital to assets | 10.7943% | 3,057 |
| Core capital (leverage) ratio | 10.8040% | 2,762 |
| Tier 1 risk-based capital ratio | 13.0960% | 3,832 |
| Total risk-based capital ratio | 14.3488% | 3,740 |
| Memoranda: | ||
| Average total assets | $82,299,500 | 4,380 |
| Average earning assets | $75,682,500 | 4,374 |
| Average equity | $8,665,500 | 4,515 |
| Average total loans | $61,937,000 | 4,050 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6048% | 2,117 |
| Cost of funding earning assets | 0.4407% | 3,732 |
| Net interest margin | 4.1642% | 1,492 |
| Noninterest income to average assets | 0.3770% | 3,573 |
| Noninterest expense to average assets | 2.7618% | 2,821 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1167% | 2,527 |
| Return on assets (ROA) | 1.1167% | 2,528 |
| Pretax return on assets | 1.4256% | 2,059 |
| Return on Equity (ROE) | 10.9267% | 2,112 |
| Retained earnings to average equity (ytd only) | -2.9301% | 5,176 |
| Net charge-offs to loans | 0.0151% | 3,179 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 132.7778% | 609 |
| Efficiency ratio | 65.9544% | 2,882 |
| Assets per employee ($millions) | 3.0398% | 4,970 |
| Cash dividends to net income (ytd only)* | 126.8162% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6250% | 975 |
| Loan loss allowance to noncurrent loans | 4,495.4545% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 4,729 |
| Noncurrent loans to loans | 0.0361% | 4,608 |
| Net loans and leases to total assets | 72.9476% | 2,109 |
| Net loans and leases to deposits | 82.2381% | 2,703 |
| Net loans and leases to core deposits | 82.5693% | 3,219 |
| Total domestic deposits to total assets | 88.7029% | 980 |
| Equity capital to assets | 10.2627% | 3,419 |
| Core capital (leverage) ratio | 10.5806% | 2,950 |
| Tier 1 risk-based capital ratio | 13.1386% | 3,766 |
| Total risk-based capital ratio | 14.3914% | 3,649 |
| Memoranda: | ||
| Average total assets | $83,822,000 | 4,362 |
| Average earning assets | $76,701,800 | 4,365 |
| Average equity | $8,566,200 | 4,518 |
| Average total loans | $59,767,600 | 4,096 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4988% | 2,308 |
| Cost of funding earning assets | 0.4142% | 3,761 |
| Net interest margin | 4.0846% | 1,672 |
| Noninterest income to average assets | 0.3560% | 3,751 |
| Noninterest expense to average assets | 2.7787% | 2,709 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0412% | 2,912 |
| Return on assets (ROA) | 1.0412% | 2,922 |
| Pretax return on assets | 1.3229% | 2,530 |
| Return on Equity (ROE) | 10.1989% | 2,531 |
| Retained earnings to average equity (ytd only) | -0.1860% | 5,057 |
| Net charge-offs to loans | 0.0269% | 2,572 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 69.6650% | 961 |
| Efficiency ratio | 67.7469% | 2,584 |
| Assets per employee ($millions) | 3.0482% | 5,006 |
| Cash dividends to net income (ytd only)* | 101.8238% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5732% | 1,140 |
| Loan loss allowance to noncurrent loans | 1,700.0000% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0705% | 4,625 |
| Noncurrent loans to loans | 0.0925% | 4,473 |
| Net loans and leases to total assets | 74.9544% | 1,822 |
| Net loans and leases to deposits | 85.3768% | 2,435 |
| Net loans and leases to core deposits | 85.7220% | 3,018 |
| Total domestic deposits to total assets | 87.7925% | 1,339 |
| Equity capital to assets | 10.2744% | 3,366 |
| Core capital (leverage) ratio | 10.8594% | 2,718 |
| Tier 1 risk-based capital ratio | 13.3632% | 3,701 |
| Total risk-based capital ratio | 14.6155% | 3,626 |
| Memoranda: | ||
| Average total assets | $84,259,000 | 4,403 |
| Average earning assets | $77,263,500 | 4,405 |
| Average equity | $8,602,000 | 4,556 |
| Average total loans | $59,494,500 | 4,147 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4163% | 2,363 |
| Cost of funding earning assets | 0.3919% | 3,788 |
| Net interest margin | 4.0245% | 1,778 |
| Noninterest income to average assets | 0.3533% | 3,802 |
| Noninterest expense to average assets | 2.7747% | 2,742 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9869% | 3,077 |
| Return on assets (ROA) | 0.9869% | 3,079 |
| Pretax return on assets | 1.2554% | 2,700 |
| Return on Equity (ROE) | 9.6871% | 2,721 |
| Retained earnings to average equity (ytd only) | -2.3351% | 5,176 |
| Net charge-offs to loans | -0.0103% | 4,328 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8486% | 2,508 |
| Assets per employee ($millions) | 3.0864% | 5,034 |
| Cash dividends to net income (ytd only)* | 124.1050% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7160% | 880 |
| Loan loss allowance to noncurrent loans | 935.5140% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.1284% | 4,362 |
| Noncurrent loans to loans | 0.1834% | 4,081 |
| Net loans and leases to total assets | 68.7990% | 2,753 |
| Net loans and leases to deposits | 76.9426% | 3,261 |
| Net loans and leases to core deposits | 77.2432% | 3,642 |
| Total domestic deposits to total assets | 89.4161% | 768 |
| Equity capital to assets | 10.2263% | 3,418 |
| Core capital (leverage) ratio | 10.4864% | 3,042 |
| Tier 1 risk-based capital ratio | 13.7993% | 3,463 |
| Total risk-based capital ratio | 15.0528% | 3,373 |
| Memoranda: | ||
| Average total assets | $84,911,330 | 4,429 |
| Average earning assets | $77,575,670 | 4,447 |
| Average equity | $8,650,670 | 4,590 |
| Average total loans | $58,434,330 | 4,202 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3095% | 2,475 |
| Cost of funding earning assets | 0.3783% | 3,749 |
| Net interest margin | 3.9312% | 1,924 |
| Noninterest income to average assets | 0.4061% | 3,417 |
| Noninterest expense to average assets | 2.7351% | 2,928 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9848% | 2,913 |
| Return on assets (ROA) | 0.9848% | 2,947 |
| Pretax return on assets | 1.2602% | 2,516 |
| Return on Equity (ROE) | 9.6845% | 2,593 |
| Retained earnings to average equity (ytd only) | -7.2978% | 5,290 |
| Net charge-offs to loans | -0.0068% | 4,115 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4579% | 2,759 |
| Assets per employee ($millions) | 2.9052% | 5,215 |
| Cash dividends to net income (ytd only)* | 175.3555% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7030% | 938 |
| Loan loss allowance to noncurrent loans | 884.0708% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.1297% | 4,442 |
| Noncurrent loans to loans | 0.1926% | 4,099 |
| Net loans and leases to total assets | 66.1599% | 3,012 |
| Net loans and leases to deposits | 73.5995% | 3,457 |
| Net loans and leases to core deposits | 73.8720% | 3,829 |
| Total domestic deposits to total assets | 89.8918% | 703 |
| Equity capital to assets | 9.7984% | 3,795 |
| Core capital (leverage) ratio | 10.2372% | 3,258 |
| Tier 1 risk-based capital ratio | 13.4459% | 3,693 |
| Total risk-based capital ratio | 14.6994% | 3,607 |
| Memoranda: | ||
| Average total assets | $85,700,000 | 4,461 |
| Average earning assets | $78,245,500 | 4,486 |
| Average equity | $8,715,000 | 4,622 |
| Average total loans | $58,484,500 | 4,235 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4112% | 1,998 |
| Cost of funding earning assets | 0.4136% | 3,119 |
| Net interest margin | 3.9976% | 1,763 |
| Noninterest income to average assets | 0.3369% | 4,057 |
| Noninterest expense to average assets | 2.7730% | 2,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9662% | 2,375 |
| Return on assets (ROA) | 0.9662% | 2,417 |
| Pretax return on assets | 1.2292% | 2,643 |
| Return on Equity (ROE) | 9.3296% | 2,171 |
| Retained earnings to average equity (ytd only) | -0.8275% | 5,164 |
| Net charge-offs to loans | 0.0573% | 2,663 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 31.7273% | 1,488 |
| Efficiency ratio | 69.2872% | 2,654 |
| Assets per employee ($millions) | 2.8081% | 5,317 |
| Cash dividends to net income (ytd only)* | 108.8700% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7116% | 926 |
| Loan loss allowance to noncurrent loans | 1,028.8660% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.1151% | 4,560 |
| Noncurrent loans to loans | 0.1664% | 4,261 |
| Net loans and leases to total assets | 68.0282% | 2,812 |
| Net loans and leases to deposits | 76.2970% | 3,300 |
| Net loans and leases to core deposits | 76.5917% | 3,696 |
| Total domestic deposits to total assets | 89.1623% | 922 |
| Equity capital to assets | 10.5528% | 3,107 |
| Core capital (leverage) ratio | 10.3807% | 2,984 |
| Tier 1 risk-based capital ratio | 13.9313% | 3,400 |
| Total risk-based capital ratio | 15.1858% | 3,311 |
| Memoranda: | ||
| Average total assets | $85,178,400 | 4,498 |
| Average earning assets | $78,097,400 | 4,494 |
| Average equity | $8,821,400 | 4,642 |
| Average total loans | $57,571,400 | 4,256 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3444% | 2,123 |
| Cost of funding earning assets | 0.4209% | 2,980 |
| Net interest margin | 3.9236% | 1,957 |
| Noninterest income to average assets | 0.3700% | 3,878 |
| Noninterest expense to average assets | 2.6600% | 3,206 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8804% | 3,131 |
| Return on assets (ROA) | 0.8804% | 3,175 |
| Pretax return on assets | 1.3191% | 2,397 |
| Return on Equity (ROE) | 8.5411% | 2,844 |
| Retained earnings to average equity (ytd only) | -0.4694% | 5,288 |
| Net charge-offs to loans | 0.0999% | 1,785 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 19.6518% | 1,989 |
| Efficiency ratio | 66.8497% | 3,071 |
| Assets per employee ($millions) | 2.6975% | 5,438 |
| Cash dividends to net income (ytd only)* | 105.4962% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6342% | 1,165 |
| Loan loss allowance to noncurrent loans | 1,496.9697% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 4,845 |
| Noncurrent loans to loans | 0.1092% | 4,620 |
| Net loans and leases to total assets | 71.1180% | 2,387 |
| Net loans and leases to deposits | 80.1961% | 2,953 |
| Net loans and leases to core deposits | 80.5087% | 3,413 |
| Total domestic deposits to total assets | 88.6801% | 1,020 |
| Equity capital to assets | 10.7124% | 3,152 |
| Core capital (leverage) ratio | 10.4922% | 2,996 |
| Tier 1 risk-based capital ratio | 13.8283% | 3,520 |
| Total risk-based capital ratio | 15.0821% | 3,450 |
| Memoranda: | ||
| Average total assets | $85,412,250 | 4,539 |
| Average earning assets | $78,566,250 | 4,529 |
| Average equity | $8,804,250 | 4,694 |
| Average total loans | $57,387,500 | 4,297 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2221% | 2,391 |
| Cost of funding earning assets | 0.4430% | 2,668 |
| Net interest margin | 3.7791% | 2,364 |
| Noninterest income to average assets | 0.3000% | 4,390 |
| Noninterest expense to average assets | 2.6509% | 3,265 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7534% | 3,623 |
| Return on assets (ROA) | 0.7534% | 3,673 |
| Pretax return on assets | 1.1208% | 3,087 |
| Return on Equity (ROE) | 7.4032% | 3,339 |
| Retained earnings to average equity (ytd only) | -2.7876% | 5,411 |
| Net charge-offs to loans | -0.0319% | 4,987 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2836% | 2,627 |
| Assets per employee ($millions) | 2.9118% | 5,345 |
| Cash dividends to net income (ytd only)* | 137.6543% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7701% | 943 |
| Loan loss allowance to noncurrent loans | 2,212.7660% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 5,004 |
| Noncurrent loans to loans | 0.0800% | 4,816 |
| Net loans and leases to total assets | 66.0710% | 3,095 |
| Net loans and leases to deposits | 73.9462% | 3,551 |
| Net loans and leases to core deposits | 74.2201% | 3,925 |
| Total domestic deposits to total assets | 89.3501% | 783 |
| Equity capital to assets | 10.1634% | 3,719 |
| Core capital (leverage) ratio | 10.4387% | 2,986 |
| Tier 1 risk-based capital ratio | 13.7056% | 3,582 |
| Total risk-based capital ratio | 14.9594% | 3,500 |
| Memoranda: | ||
| Average total assets | $86,008,670 | 4,556 |
| Average earning assets | $79,013,000 | 4,548 |
| Average equity | $8,753,000 | 4,729 |
| Average total loans | $56,363,670 | 4,346 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8604% | 3,547 |
| Cost of funding earning assets | 0.5276% | 1,876 |
| Net interest margin | 3.3328% | 3,912 |
| Noninterest income to average assets | 0.3234% | 4,233 |
| Noninterest expense to average assets | 2.7093% | 3,108 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4734% | 4,694 |
| Return on assets (ROA) | 0.4734% | 4,720 |
| Pretax return on assets | 0.6937% | 4,471 |
| Return on Equity (ROE) | 4.6488% | 4,543 |
| Retained earnings to average equity (ytd only) | -15.8794% | 5,679 |
| Net charge-offs to loans | -0.0508% | 5,190 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6143% | 1,425 |
| Assets per employee ($millions) | 3.0420% | 5,315 |
| Cash dividends to net income (ytd only)* | 441.5842% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8591% | 860 |
| Loan loss allowance to noncurrent loans | 193.2961% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.6305% | 2,743 |
| Noncurrent loans to loans | 0.9618% | 2,119 |
| Net loans and leases to total assets | 64.3334% | 3,226 |
| Net loans and leases to deposits | 72.0015% | 3,610 |
| Net loans and leases to core deposits | 72.5141% | 3,946 |
| Total domestic deposits to total assets | 89.3502% | 974 |
| Equity capital to assets | 10.0135% | 3,744 |
| Core capital (leverage) ratio | 10.0385% | 3,446 |
| Tier 1 risk-based capital ratio | 13.9769% | 3,493 |
| Total risk-based capital ratio | 15.2323% | 3,402 |
| Memoranda: | ||
| Average total assets | $85,336,500 | 4,618 |
| Average earning assets | $78,852,500 | 4,596 |
| Average equity | $8,690,500 | 4,772 |
| Average total loans | $55,168,000 | 4,419 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1340% | 2,719 |
| Cost of funding earning assets | 0.4168% | 2,840 |
| Net interest margin | 3.7171% | 2,617 |
| Noninterest income to average assets | 0.3037% | 4,571 |
| Noninterest expense to average assets | 2.5256% | 3,935 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8246% | 3,186 |
| Return on assets (ROA) | 0.9549% | 2,665 |
| Pretax return on assets | 1.4211% | 1,855 |
| Return on Equity (ROE) | 9.0868% | 2,377 |
| Retained earnings to average equity (ytd only) | 4.0750% | 3,017 |
| Net charge-offs to loans | -0.0310% | 5,262 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3095% | 3,384 |
| Assets per employee ($millions) | 3.0535% | 5,309 |
| Cash dividends to net income (ytd only)* | 55.1553% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8917% | 818 |
| Loan loss allowance to noncurrent loans | 1,874.5455% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 5,071 |
| Noncurrent loans to loans | 0.1009% | 4,833 |
| Net loans and leases to total assets | 62.5406% | 3,538 |
| Net loans and leases to deposits | 72.0779% | 3,705 |
| Net loans and leases to core deposits | 72.3578% | 4,066 |
| Total domestic deposits to total assets | 86.7681% | 2,255 |
| Equity capital to assets | 10.3535% | 3,322 |
| Core capital (leverage) ratio | 10.3773% | 3,020 |
| Tier 1 risk-based capital ratio | 14.7603% | 3,068 |
| Total risk-based capital ratio | 16.0154% | 3,012 |
| Memoranda: | ||
| Average total assets | $84,298,200 | 4,643 |
| Average earning assets | $78,205,800 | 4,626 |
| Average equity | $8,859,000 | 4,784 |
| Average total loans | $54,850,200 | 4,435 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1405% | 2,717 |
| Cost of funding earning assets | 0.4171% | 2,866 |
| Net interest margin | 3.7234% | 2,627 |
| Noninterest income to average assets | 0.2952% | 4,655 |
| Noninterest expense to average assets | 2.5270% | 3,901 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8150% | 3,298 |
| Return on assets (ROA) | 0.9873% | 2,627 |
| Pretax return on assets | 1.4825% | 1,764 |
| Return on Equity (ROE) | 9.3594% | 2,330 |
| Retained earnings to average equity (ytd only) | 2.6784% | 4,301 |
| Net charge-offs to loans | -0.0437% | 5,321 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3435% | 3,349 |
| Assets per employee ($millions) | 2.9279% | 5,445 |
| Cash dividends to net income (ytd only)* | 71.3834% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8844% | 874 |
| Loan loss allowance to noncurrent loans | 2,715.7895% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 5,282 |
| Noncurrent loans to loans | 0.0694% | 5,068 |
| Net loans and leases to total assets | 65.5440% | 3,199 |
| Net loans and leases to deposits | 76.4948% | 3,352 |
| Net loans and leases to core deposits | 76.8075% | 3,769 |
| Total domestic deposits to total assets | 85.6843% | 2,521 |
| Equity capital to assets | 11.0246% | 2,984 |
| Core capital (leverage) ratio | 10.6615% | 2,820 |
| Tier 1 risk-based capital ratio | 14.6513% | 3,214 |
| Total risk-based capital ratio | 15.9067% | 3,152 |
| Memoranda: | ||
| Average total assets | $83,998,250 | 4,683 |
| Average earning assets | $77,991,000 | 4,662 |
| Average equity | $8,860,750 | 4,829 |
| Average total loans | $54,937,250 | 4,468 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1539% | 2,661 |
| Cost of funding earning assets | 0.4136% | 2,903 |
| Net interest margin | 3.7403% | 2,549 |
| Noninterest income to average assets | 0.1984% | 5,309 |
| Noninterest expense to average assets | 2.5298% | 3,948 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7656% | 3,476 |
| Return on assets (ROA) | 0.8716% | 3,110 |
| Pretax return on assets | 1.3086% | 2,370 |
| Return on Equity (ROE) | 8.3848% | 2,801 |
| Retained earnings to average equity (ytd only) | -1.7042% | 5,510 |
| Net charge-offs to loans | -0.0109% | 4,725 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7420% | 3,205 |
| Assets per employee ($millions) | 2.9058% | 5,528 |
| Cash dividends to net income (ytd only)* | 120.3252% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8804% | 931 |
| Loan loss allowance to noncurrent loans | 2,991.1765% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 5,409 |
| Noncurrent loans to loans | 0.0629% | 5,199 |
| Net loans and leases to total assets | 65.2238% | 3,193 |
| Net loans and leases to deposits | 75.9699% | 3,387 |
| Net loans and leases to core deposits | 76.2822% | 3,794 |
| Total domestic deposits to total assets | 85.8547% | 2,487 |
| Equity capital to assets | 10.8870% | 3,182 |
| Core capital (leverage) ratio | 10.2191% | 3,312 |
| Tier 1 risk-based capital ratio | 14.3728% | 3,392 |
| Total risk-based capital ratio | 15.6279% | 3,312 |
| Memoranda: | ||
| Average total assets | $84,671,000 | 4,710 |
| Average earning assets | $78,816,670 | 4,681 |
| Average equity | $8,801,670 | 4,873 |
| Average total loans | $54,994,670 | 4,504 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0362% | 3,088 |
| Cost of funding earning assets | 0.4116% | 2,938 |
| Net interest margin | 3.6247% | 2,987 |
| Noninterest income to average assets | 0.1575% | 5,547 |
| Noninterest expense to average assets | 2.4883% | 4,103 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7026% | 3,695 |
| Return on assets (ROA) | 0.7368% | 3,660 |
| Pretax return on assets | 1.1074% | 3,067 |
| Return on Equity (ROE) | 7.2491% | 3,319 |
| Retained earnings to average equity (ytd only) | -6.1549% | 5,673 |
| Net charge-offs to loans | -0.0721% | 5,514 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1961% | 3,083 |
| Assets per employee ($millions) | 3.0604% | 5,439 |
| Cash dividends to net income (ytd only)* | 184.9057% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8507% | 1,056 |
| Loan loss allowance to noncurrent loans | 939.4495% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.1389% | 5,018 |
| Noncurrent loans to loans | 0.1970% | 4,712 |
| Net loans and leases to total assets | 63.3761% | 3,334 |
| Net loans and leases to deposits | 73.0384% | 3,546 |
| Net loans and leases to core deposits | 73.3195% | 3,954 |
| Total domestic deposits to total assets | 86.7709% | 2,316 |
| Equity capital to assets | 10.1762% | 3,869 |
| Core capital (leverage) ratio | 9.5951% | 4,041 |
| Tier 1 risk-based capital ratio | 14.5966% | 3,343 |
| Total risk-based capital ratio | 15.8532% | 3,278 |
| Memoranda: | ||
| Average total assets | $86,325,000 | 4,728 |
| Average earning assets | $80,669,500 | 4,688 |
| Average equity | $8,773,500 | 4,909 |
| Average total loans | $55,449,500 | 4,516 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1352% | 2,792 |
| Cost of funding earning assets | 0.4239% | 2,905 |
| Net interest margin | 3.7113% | 2,707 |
| Noninterest income to average assets | 0.3341% | 4,510 |
| Noninterest expense to average assets | 2.5868% | 3,970 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8170% | 3,266 |
| Return on assets (ROA) | 0.8194% | 3,330 |
| Pretax return on assets | 1.2137% | 2,607 |
| Return on Equity (ROE) | 8.1295% | 2,887 |
| Retained earnings to average equity (ytd only) | 4.7442% | 2,613 |
| Net charge-offs to loans | 0.2183% | 1,354 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 8.2661% | 2,977 |
| Efficiency ratio | 68.1281% | 3,548 |
| Assets per employee ($millions) | 3.1057% | 5,409 |
| Cash dividends to net income (ytd only)* | 41.6427% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8248% | 1,089 |
| Loan loss allowance to noncurrent loans | 709.0909% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.2231% | 4,694 |
| Noncurrent loans to loans | 0.2573% | 4,516 |
| Net loans and leases to total assets | 62.7346% | 3,456 |
| Net loans and leases to deposits | 72.1681% | 3,703 |
| Net loans and leases to core deposits | 72.4412% | 4,090 |
| Total domestic deposits to total assets | 86.9285% | 2,178 |
| Equity capital to assets | 10.1506% | 3,805 |
| Core capital (leverage) ratio | 9.8665% | 3,694 |
| Tier 1 risk-based capital ratio | 14.6879% | 3,335 |
| Total risk-based capital ratio | 15.9433% | 3,262 |
| Memoranda: | ||
| Average total assets | $84,698,000 | 4,775 |
| Average earning assets | $79,028,000 | 4,740 |
| Average equity | $8,536,800 | 4,953 |
| Average total loans | $56,813,800 | 4,473 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1483% | 2,758 |
| Cost of funding earning assets | 0.4248% | 2,962 |
| Net interest margin | 3.7235% | 2,669 |
| Noninterest income to average assets | 0.3280% | 4,588 |
| Noninterest expense to average assets | 2.5388% | 4,084 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8558% | 3,149 |
| Return on assets (ROA) | 0.8589% | 3,217 |
| Pretax return on assets | 1.2805% | 2,470 |
| Return on Equity (ROE) | 8.5377% | 2,801 |
| Retained earnings to average equity (ytd only) | 3.9852% | 3,631 |
| Net charge-offs to loans | 0.2871% | 924 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 6.5446% | 3,036 |
| Efficiency ratio | 66.5559% | 3,794 |
| Assets per employee ($millions) | 3.0413% | 5,501 |
| Cash dividends to net income (ytd only)* | 53.3204% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7373% | 1,396 |
| Loan loss allowance to noncurrent loans | 593.5673% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.4263% | 4,070 |
| Noncurrent loans to loans | 0.2927% | 4,541 |
| Net loans and leases to total assets | 67.4174% | 2,787 |
| Net loans and leases to deposits | 77.5979% | 3,139 |
| Net loans and leases to core deposits | 77.8979% | 3,616 |
| Total domestic deposits to total assets | 86.8805% | 2,105 |
| Equity capital to assets | 10.1461% | 4,001 |
| Core capital (leverage) ratio | 9.8863% | 3,785 |
| Tier 1 risk-based capital ratio | 13.8518% | 3,936 |
| Total risk-based capital ratio | 15.1072% | 3,878 |
| Memoranda: | ||
| Average total assets | $84,132,500 | 4,846 |
| Average earning assets | $78,776,750 | 4,806 |
| Average equity | $8,464,250 | 5,026 |
| Average total loans | $57,125,250 | 4,502 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1330% | 2,780 |
| Cost of funding earning assets | 0.4269% | 2,965 |
| Net interest margin | 3.7062% | 2,681 |
| Noninterest income to average assets | 0.2148% | 5,409 |
| Noninterest expense to average assets | 2.5969% | 3,917 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7256% | 3,759 |
| Return on assets (ROA) | 0.7304% | 3,851 |
| Pretax return on assets | 1.0860% | 3,234 |
| Return on Equity (ROE) | 7.2808% | 3,446 |
| Retained earnings to average equity (ytd only) | 3.8070% | 3,583 |
| Net charge-offs to loans | 0.4621% | 553 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.4504% | 3,196 |
| Efficiency ratio | 70.6494% | 3,232 |
| Assets per employee ($millions) | 3.0326% | 5,556 |
| Cash dividends to net income (ytd only)* | 47.7124% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7421% | 1,520 |
| Loan loss allowance to noncurrent loans | 565.7303% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.4958% | 3,964 |
| Noncurrent loans to loans | 0.3079% | 4,589 |
| Net loans and leases to total assets | 66.8904% | 2,802 |
| Net loans and leases to deposits | 76.7779% | 3,183 |
| Net loans and leases to core deposits | 77.0738% | 3,656 |
| Total domestic deposits to total assets | 87.1220% | 2,095 |
| Equity capital to assets | 9.9856% | 4,057 |
| Core capital (leverage) ratio | 9.8677% | 3,778 |
| Tier 1 risk-based capital ratio | 13.8276% | 4,018 |
| Total risk-based capital ratio | 15.0821% | 3,947 |
| Memoranda: | ||
| Average total assets | $83,791,330 | 4,902 |
| Average earning assets | $78,247,330 | 4,865 |
| Average equity | $8,405,670 | 5,072 |
| Average total loans | $56,692,000 | 4,552 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0995% | 2,835 |
| Cost of funding earning assets | 0.4264% | 3,002 |
| Net interest margin | 3.6731% | 2,723 |
| Noninterest income to average assets | 0.2018% | 5,507 |
| Noninterest expense to average assets | 2.6529% | 3,739 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6632% | 3,987 |
| Return on assets (ROA) | 0.6728% | 4,055 |
| Pretax return on assets | 0.9996% | 3,510 |
| Return on Equity (ROE) | 6.6914% | 3,659 |
| Retained earnings to average equity (ytd only) | -0.2868% | 5,433 |
| Net charge-offs to loans | 0.2779% | 866 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 5.2564% | 2,403 |
| Efficiency ratio | 72.9194% | 3,004 |
| Assets per employee ($millions) | 3.3773% | 5,117 |
| Cash dividends to net income (ytd only)* | 104.2857% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9671% | 1,145 |
| Loan loss allowance to noncurrent loans | 265.4589% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 4,068 |
| Noncurrent loans to loans | 0.7410% | 3,406 |
| Net loans and leases to total assets | 64.8676% | 2,967 |
| Net loans and leases to deposits | 74.5288% | 3,234 |
| Net loans and leases to core deposits | 74.8169% | 3,708 |
| Total domestic deposits to total assets | 87.0369% | 2,346 |
| Equity capital to assets | 9.9737% | 4,177 |
| Core capital (leverage) ratio | 9.4953% | 4,283 |
| Tier 1 risk-based capital ratio | 14.0131% | 4,003 |
| Total risk-based capital ratio | 15.2697% | 3,924 |
| Memoranda: | ||
| Average total assets | $83,231,000 | 4,956 |
| Average earning assets | $77,864,000 | 4,921 |
| Average equity | $8,369,000 | 5,122 |
| Average total loans | $56,135,500 | 4,607 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2434% | 2,806 |
| Cost of funding earning assets | 0.4315% | 3,368 |
| Net interest margin | 3.8119% | 2,583 |
| Noninterest income to average assets | 0.3010% | 4,964 |
| Noninterest expense to average assets | 2.7032% | 3,854 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7597% | 3,572 |
| Return on assets (ROA) | 0.7597% | 3,672 |
| Pretax return on assets | 1.1432% | 2,909 |
| Return on Equity (ROE) | 7.9677% | 3,150 |
| Retained earnings to average equity (ytd only) | 4.3472% | 3,088 |
| Net charge-offs to loans | -0.0398% | 5,860 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2795% | 3,486 |
| Assets per employee ($millions) | 3.2812% | 5,289 |
| Cash dividends to net income (ytd only)* | 45.4403% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0176% | 1,077 |
| Loan loss allowance to noncurrent loans | 156.5337% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.8863% | 2,989 |
| Noncurrent loans to loans | 1.2889% | 2,295 |
| Net loans and leases to total assets | 67.3717% | 2,673 |
| Net loans and leases to deposits | 77.5758% | 3,019 |
| Net loans and leases to core deposits | 77.8852% | 3,535 |
| Total domestic deposits to total assets | 86.8463% | 2,359 |
| Equity capital to assets | 10.1390% | 3,934 |
| Core capital (leverage) ratio | 9.7206% | 3,941 |
| Tier 1 risk-based capital ratio | 13.9300% | 4,141 |
| Total risk-based capital ratio | 15.1888% | 4,070 |
| Memoranda: | ||
| Average total assets | $83,714,600 | 4,965 |
| Average earning assets | $77,861,600 | 4,927 |
| Average equity | $7,982,200 | 5,204 |
| Average total loans | $52,767,000 | 4,735 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1641% | 3,114 |
| Cost of funding earning assets | 0.4329% | 3,437 |
| Net interest margin | 3.7311% | 2,892 |
| Noninterest income to average assets | 0.3059% | 4,992 |
| Noninterest expense to average assets | 2.6163% | 4,147 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7638% | 3,605 |
| Return on assets (ROA) | 0.7638% | 3,698 |
| Pretax return on assets | 1.1584% | 2,953 |
| Return on Equity (ROE) | 8.1364% | 3,133 |
| Retained earnings to average equity (ytd only) | 3.2580% | 4,307 |
| Net charge-offs to loans | -0.0334% | 5,778 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3115% | 3,625 |
| Assets per employee ($millions) | 3.2817% | 5,269 |
| Cash dividends to net income (ytd only)* | 59.9580% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0496% | 1,164 |
| Loan loss allowance to noncurrent loans | 402.1352% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.3425% | 4,905 |
| Noncurrent loans to loans | 0.5097% | 4,400 |
| Net loans and leases to total assets | 65.8236% | 2,899 |
| Net loans and leases to deposits | 75.4253% | 3,253 |
| Net loans and leases to core deposits | 75.7246% | 3,777 |
| Total domestic deposits to total assets | 87.2699% | 2,170 |
| Equity capital to assets | 9.7962% | 4,428 |
| Core capital (leverage) ratio | 9.5032% | 4,365 |
| Tier 1 risk-based capital ratio | 14.0578% | 4,168 |
| Total risk-based capital ratio | 15.3173% | 4,105 |
| Memoranda: | ||
| Average total assets | $84,135,750 | 5,015 |
| Average earning assets | $78,223,000 | 4,973 |
| Average equity | $7,898,500 | 5,263 |
| Average total loans | $51,858,000 | 4,801 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0196% | 3,655 |
| Cost of funding earning assets | 0.4302% | 3,548 |
| Net interest margin | 3.5894% | 3,404 |
| Noninterest income to average assets | 0.2358% | 5,514 |
| Noninterest expense to average assets | 2.6216% | 4,167 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6153% | 4,277 |
| Return on assets (ROA) | 0.6153% | 4,375 |
| Pretax return on assets | 0.9383% | 3,731 |
| Return on Equity (ROE) | 6.6477% | 3,803 |
| Retained earnings to average equity (ytd only) | 2.9291% | 4,339 |
| Net charge-offs to loans | 0.0118% | 4,011 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 132.6667% | 453 |
| Efficiency ratio | 73.6424% | 3,037 |
| Assets per employee ($millions) | 3.3171% | 5,226 |
| Cash dividends to net income (ytd only)* | 55.9387% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1826% | 1,053 |
| Loan loss allowance to noncurrent loans | 209.3985% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.6415% | 4,054 |
| Noncurrent loans to loans | 1.0423% | 3,151 |
| Net loans and leases to total assets | 60.2052% | 3,681 |
| Net loans and leases to deposits | 68.8591% | 3,954 |
| Net loans and leases to core deposits | 69.1280% | 4,355 |
| Total domestic deposits to total assets | 87.4325% | 2,228 |
| Equity capital to assets | 9.6517% | 4,558 |
| Core capital (leverage) ratio | 9.1691% | 4,789 |
| Tier 1 risk-based capital ratio | 14.9877% | 3,650 |
| Total risk-based capital ratio | 16.2476% | 3,588 |
| Memoranda: | ||
| Average total assets | $84,833,670 | 5,043 |
| Average earning assets | $78,564,670 | 5,008 |
| Average equity | $7,852,330 | 5,301 |
| Average total loans | $50,766,330 | 4,871 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9571% | 3,870 |
| Cost of funding earning assets | 0.4240% | 3,713 |
| Net interest margin | 3.5331% | 3,556 |
| Noninterest income to average assets | 0.2565% | 5,303 |
| Noninterest expense to average assets | 2.5645% | 4,398 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6248% | 4,069 |
| Return on assets (ROA) | 0.6248% | 4,156 |
| Pretax return on assets | 0.9559% | 3,487 |
| Return on Equity (ROE) | 6.8926% | 3,532 |
| Retained earnings to average equity (ytd only) | -0.6172% | 5,667 |
| Net charge-offs to loans | 0.0948% | 2,218 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 17.0833% | 1,473 |
| Efficiency ratio | 72.8477% | 3,333 |
| Assets per employee ($millions) | 3.4711% | 4,986 |
| Cash dividends to net income (ytd only)* | 108.9552% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2341% | 1,114 |
| Loan loss allowance to noncurrent loans | 189.5369% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.6718% | 4,104 |
| Noncurrent loans to loans | 1.1787% | 3,080 |
| Net loans and leases to total assets | 55.7244% | 4,178 |
| Net loans and leases to deposits | 63.0719% | 4,422 |
| Net loans and leases to core deposits | 63.5143% | 4,733 |
| Total domestic deposits to total assets | 88.3506% | 2,026 |
| Equity capital to assets | 8.9828% | 5,134 |
| Core capital (leverage) ratio | 8.9232% | 5,110 |
| Tier 1 risk-based capital ratio | 15.0592% | 3,681 |
| Total risk-based capital ratio | 16.3206% | 3,629 |
| Memoranda: | ||
| Average total assets | $85,786,500 | 5,070 |
| Average earning assets | $79,250,000 | 5,045 |
| Average equity | $7,776,500 | 5,348 |
| Average total loans | $50,629,000 | 4,908 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 2,826 |
| Cost of funding earning assets | 0.4731% | 3,881 |
| Net interest margin | 3.8614% | 2,426 |
| Noninterest income to average assets | 0.2980% | 5,220 |
| Noninterest expense to average assets | 2.6984% | 4,097 |
| Loan and lease loss provision to assets | 0.4571% | 631 |
| Net operating income to assets | 0.4703% | 4,869 |
| Return on assets (ROA) | 0.4703% | 5,002 |
| Pretax return on assets | 0.7168% | 4,475 |
| Return on Equity (ROE) | 5.0775% | 4,586 |
| Retained earnings to average equity (ytd only) | 1.3049% | 5,244 |
| Net charge-offs to loans | 0.8316% | 742 |
| Credit loss provision to net charge-offs | 85.0780% | 2,892 |
| Earnings coverage of net charge-offs (x) | 2.1849% | 4,301 |
| Efficiency ratio | 69.6848% | 3,883 |
| Assets per employee ($millions) | 3.3918% | 5,111 |
| Cash dividends to net income (ytd only)* | 74.3003% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1565% | 1,244 |
| Loan loss allowance to noncurrent loans | 130.3384% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 1.1805% | 3,037 |
| Noncurrent loans to loans | 1.6545% | 2,428 |
| Net loans and leases to total assets | 59.7670% | 3,759 |
| Net loans and leases to deposits | 67.7386% | 4,090 |
| Net loans and leases to core deposits | 68.2247% | 4,490 |
| Total domestic deposits to total assets | 88.2318% | 2,038 |
| Equity capital to assets | 9.1490% | 4,870 |
| Core capital (leverage) ratio | 9.1682% | 4,760 |
| Tier 1 risk-based capital ratio | 14.4714% | 3,971 |
| Total risk-based capital ratio | 15.7314% | 3,905 |
| Memoranda: | ||
| Average total assets | $83,567,400 | 5,146 |
| Average earning assets | $77,354,600 | 5,113 |
| Average equity | $7,740,000 | 5,405 |
| Average total loans | $53,991,400 | 4,810 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3348% | 2,854 |
| Cost of funding earning assets | 0.4780% | 3,985 |
| Net interest margin | 3.8568% | 2,434 |
| Noninterest income to average assets | 0.3059% | 5,258 |
| Noninterest expense to average assets | 2.5542% | 4,533 |
| Loan and lease loss provision to assets | 0.6117% | 391 |
| Net operating income to assets | 0.4628% | 4,962 |
| Return on assets (ROA) | 0.4628% | 5,111 |
| Pretax return on assets | 0.7190% | 4,618 |
| Return on Equity (ROE) | 4.9812% | 4,736 |
| Retained earnings to average equity (ytd only) | -0.0517% | 5,949 |
| Net charge-offs to loans | 1.1416% | 487 |
| Credit loss provision to net charge-offs | 81.7987% | 2,802 |
| Earnings coverage of net charge-offs (x) | 1.7794% | 4,242 |
| Efficiency ratio | 65.7461% | 4,532 |
| Assets per employee ($millions) | 3.2180% | 5,460 |
| Cash dividends to net income (ytd only)* | 101.0381% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0578% | 1,595 |
| Loan loss allowance to noncurrent loans | 120.6367% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 1.3238% | 2,994 |
| Noncurrent loans to loans | 1.7058% | 2,635 |
| Net loans and leases to total assets | 65.0180% | 2,796 |
| Net loans and leases to deposits | 74.1291% | 3,215 |
| Net loans and leases to core deposits | 74.6923% | 3,766 |
| Total domestic deposits to total assets | 87.7091% | 2,294 |
| Equity capital to assets | 9.5438% | 4,497 |
| Core capital (leverage) ratio | 9.3756% | 4,568 |
| Tier 1 risk-based capital ratio | 14.1038% | 4,354 |
| Total risk-based capital ratio | 15.3640% | 4,294 |
| Memoranda: | ||
| Average total assets | $83,260,250 | 5,208 |
| Average earning assets | $77,264,000 | 5,163 |
| Average equity | $7,735,500 | 5,461 |
| Average total loans | $54,540,000 | 4,837 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3469% | 2,771 |
| Cost of funding earning assets | 0.4824% | 4,066 |
| Net interest margin | 3.8645% | 2,328 |
| Noninterest income to average assets | 0.1829% | 6,111 |
| Noninterest expense to average assets | 2.5583% | 4,532 |
| Loan and lease loss provision to assets | 0.4798% | 587 |
| Net operating income to assets | 0.4656% | 4,949 |
| Return on assets (ROA) | 0.4656% | 5,123 |
| Pretax return on assets | 0.7221% | 4,606 |
| Return on Equity (ROE) | 5.0550% | 4,702 |
| Retained earnings to average equity (ytd only) | 1.2122% | 5,416 |
| Net charge-offs to loans | 1.5915% | 321 |
| Credit loss provision to net charge-offs | 46.2243% | 3,287 |
| Earnings coverage of net charge-offs (x) | 1.1579% | 4,152 |
| Efficiency ratio | 68.0354% | 4,179 |
| Assets per employee ($millions) | 3.2395% | 5,390 |
| Cash dividends to net income (ytd only)* | 76.0204% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8347% | 2,316 |
| Loan loss allowance to noncurrent loans | 156.8595% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.9372% | 3,915 |
| Noncurrent loans to loans | 1.1696% | 3,598 |
| Net loans and leases to total assets | 62.6965% | 3,158 |
| Net loans and leases to deposits | 71.5034% | 3,524 |
| Net loans and leases to core deposits | 71.7865% | 4,071 |
| Total domestic deposits to total assets | 87.6832% | 2,450 |
| Equity capital to assets | 9.5238% | 4,556 |
| Core capital (leverage) ratio | 9.1099% | 4,816 |
| Tier 1 risk-based capital ratio | 14.5843% | 4,040 |
| Total risk-based capital ratio | 15.8421% | 4,000 |
| Memoranda: | ||
| Average total assets | $84,197,000 | 5,216 |
| Average earning assets | $77,940,670 | 5,169 |
| Average equity | $7,754,670 | 5,498 |
| Average total loans | $54,918,000 | 4,859 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4481% | 2,355 |
| Cost of funding earning assets | 0.4892% | 4,185 |
| Net interest margin | 3.9589% | 1,922 |
| Noninterest income to average assets | 0.2284% | 5,834 |
| Noninterest expense to average assets | 2.4801% | 4,825 |
| Loan and lease loss provision to assets | 0.1399% | 2,496 |
| Net operating income to assets | 0.8252% | 3,024 |
| Return on assets (ROA) | 0.8252% | 3,166 |
| Pretax return on assets | 1.2680% | 2,346 |
| Return on Equity (ROE) | 9.1055% | 2,439 |
| Retained earnings to average equity (ytd only) | 1.4404% | 5,264 |
| Net charge-offs to loans | 0.4601% | 1,297 |
| Credit loss provision to net charge-offs | 46.1538% | 2,659 |
| Earnings coverage of net charge-offs (x) | 4.6462% | 2,508 |
| Efficiency ratio | 63.7890% | 5,040 |
| Assets per employee ($millions) | 3.4546% | 5,075 |
| Cash dividends to net income (ytd only)* | 84.1808% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1036% | 1,785 |
| Loan loss allowance to noncurrent loans | 179.2512% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.9911% | 3,944 |
| Noncurrent loans to loans | 1.1736% | 3,814 |
| Net loans and leases to total assets | 61.9128% | 3,080 |
| Net loans and leases to deposits | 70.3714% | 3,416 |
| Net loans and leases to core deposits | 70.6307% | 3,987 |
| Total domestic deposits to total assets | 87.9801% | 2,325 |
| Equity capital to assets | 9.0465% | 5,427 |
| Core capital (leverage) ratio | 8.7736% | 5,227 |
| Tier 1 risk-based capital ratio | 13.3215% | 4,993 |
| Total risk-based capital ratio | 14.5820% | 4,939 |
| Memoranda: | ||
| Average total assets | $85,802,000 | 5,205 |
| Average earning assets | $79,314,000 | 5,175 |
| Average equity | $7,775,500 | 5,554 |
| Average total loans | $56,514,500 | 4,838 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5585% | 556 |
| Cost of funding earning assets | 0.7105% | 3,407 |
| Net interest margin | 4.8480% | 499 |
| Noninterest income to average assets | 0.5220% | 3,760 |
| Noninterest expense to average assets | 2.8028% | 4,010 |
| Loan and lease loss provision to assets | 0.3302% | 2,060 |
| Net operating income to assets | 1.2065% | 1,583 |
| Return on assets (ROA) | 1.2065% | 1,745 |
| Pretax return on assets | 1.8427% | 848 |
| Return on Equity (ROE) | 13.1838% | 1,184 |
| Retained earnings to average equity (ytd only) | 9.0621% | 802 |
| Net charge-offs to loans | 0.4873% | 2,283 |
| Credit loss provision to net charge-offs | 86.3787% | 3,611 |
| Earnings coverage of net charge-offs (x) | 5.6844% | 2,976 |
| Efficiency ratio | 56.3298% | 6,028 |
| Assets per employee ($millions) | 3.7060% | 4,545 |
| Cash dividends to net income (ytd only)* | 31.2632% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0271% | 1,946 |
| Loan loss allowance to noncurrent loans | 348.2353% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.6511% | 4,841 |
| Noncurrent loans to loans | 0.5821% | 5,072 |
| Net loans and leases to total assets | 67.1348% | 2,340 |
| Net loans and leases to deposits | 77.0645% | 2,646 |
| Net loans and leases to core deposits | 77.3551% | 3,353 |
| Total domestic deposits to total assets | 87.1151% | 2,764 |
| Equity capital to assets | 9.0780% | 5,431 |
| Core capital (leverage) ratio | 9.1719% | 4,623 |
| Tier 1 risk-based capital ratio | 12.4608% | 5,506 |
| Total risk-based capital ratio | 13.7206% | 5,451 |
| Memoranda: | ||
| Average total assets | $78,743,000 | 5,389 |
| Average earning assets | $72,339,200 | 5,354 |
| Average equity | $7,205,800 | 5,704 |
| Average total loans | $61,773,200 | 4,645 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7824% | 407 |
| Cost of funding earning assets | 0.7414% | 3,417 |
| Net interest margin | 5.0410% | 376 |
| Noninterest income to average assets | 0.5913% | 3,337 |
| Noninterest expense to average assets | 2.7662% | 4,109 |
| Loan and lease loss provision to assets | 0.4495% | 1,398 |
| Net operating income to assets | 1.3157% | 1,404 |
| Return on assets (ROA) | 1.3157% | 1,544 |
| Pretax return on assets | 2.0072% | 694 |
| Return on Equity (ROE) | 14.3458% | 1,039 |
| Retained earnings to average equity (ytd only) | 8.7470% | 1,329 |
| Net charge-offs to loans | 0.3726% | 2,609 |
| Credit loss provision to net charge-offs | 148.5714% | 1,910 |
| Earnings coverage of net charge-offs (x) | 8.1199% | 2,502 |
| Efficiency ratio | 52.9626% | 6,355 |
| Assets per employee ($millions) | 3.3511% | 5,320 |
| Cash dividends to net income (ytd only)* | 39.0276% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0884% | 1,935 |
| Loan loss allowance to noncurrent loans | 209.2652% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.8122% | 4,674 |
| Noncurrent loans to loans | 0.9980% | 4,456 |
| Net loans and leases to total assets | 79.6850% | 533 |
| Net loans and leases to deposits | 92.7372% | 899 |
| Net loans and leases to core deposits | 93.1281% | 1,672 |
| Total domestic deposits to total assets | 85.9256% | 3,297 |
| Equity capital to assets | 9.8422% | 4,722 |
| Core capital (leverage) ratio | 9.3360% | 4,522 |
| Tier 1 risk-based capital ratio | 11.5292% | 6,212 |
| Total risk-based capital ratio | 12.7579% | 6,194 |
| Memoranda: | ||
| Average total assets | $77,119,000 | 5,486 |
| Average earning assets | $70,857,500 | 5,461 |
| Average equity | $7,072,750 | 5,805 |
| Average total loans | $62,614,250 | 4,656 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7434% | 446 |
| Cost of funding earning assets | 0.7570% | 3,547 |
| Net interest margin | 4.9864% | 412 |
| Noninterest income to average assets | 0.6301% | 3,076 |
| Noninterest expense to average assets | 2.8885% | 3,670 |
| Loan and lease loss provision to assets | 0.6482% | 877 |
| Net operating income to assets | 1.1072% | 2,022 |
| Return on assets (ROA) | 1.1072% | 2,239 |
| Pretax return on assets | 1.6880% | 1,293 |
| Return on Equity (ROE) | 12.3738% | 1,549 |
| Retained earnings to average equity (ytd only) | 7.9111% | 1,671 |
| Net charge-offs to loans | 0.1374% | 3,822 |
| Credit loss provision to net charge-offs | 581.3953% | 535 |
| Earnings coverage of net charge-offs (x) | 20.9535% | 1,364 |
| Efficiency ratio | 55.2854% | 6,191 |
| Assets per employee ($millions) | 3.3811% | 5,246 |
| Cash dividends to net income (ytd only)* | 36.0656% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3114% | 1,570 |
| Loan loss allowance to noncurrent loans | 202.8329% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.9079% | 4,553 |
| Noncurrent loans to loans | 1.1396% | 4,249 |
| Net loans and leases to total assets | 77.8245% | 744 |
| Net loans and leases to deposits | 90.0382% | 1,147 |
| Net loans and leases to core deposits | 90.4108% | 1,945 |
| Total domestic deposits to total assets | 86.4349% | 3,114 |
| Equity capital to assets | 9.4939% | 5,073 |
| Core capital (leverage) ratio | 8.9993% | 4,919 |
| Tier 1 risk-based capital ratio | 11.2123% | 6,393 |
| Total risk-based capital ratio | 12.4756% | 6,364 |
| Memoranda: | ||
| Average total assets | $77,133,330 | 5,517 |
| Average earning assets | $71,073,000 | 5,487 |
| Average equity | $6,901,670 | 5,878 |
| Average total loans | $62,576,330 | 4,688 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8315% | 404 |
| Cost of funding earning assets | 0.7836% | 3,597 |
| Net interest margin | 5.0479% | 367 |
| Noninterest income to average assets | 0.7811% | 2,253 |
| Noninterest expense to average assets | 2.8639% | 3,770 |
| Loan and lease loss provision to assets | 0.6509% | 840 |
| Net operating income to assets | 1.2393% | 1,636 |
| Return on assets (ROA) | 1.2393% | 1,814 |
| Pretax return on assets | 1.8954% | 887 |
| Return on Equity (ROE) | 14.2921% | 1,126 |
| Retained earnings to average equity (ytd only) | 5.1043% | 3,494 |
| Net charge-offs to loans | 0.0254% | 4,330 |
| Credit loss provision to net charge-offs | 3,125.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 122.2500% | 289 |
| Efficiency ratio | 52.9355% | 6,442 |
| Assets per employee ($millions) | 3.3537% | 5,444 |
| Cash dividends to net income (ytd only)* | 64.2857% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2495% | 1,779 |
| Loan loss allowance to noncurrent loans | 134.4655% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 1.4624% | 3,671 |
| Noncurrent loans to loans | 1.6729% | 3,593 |
| Net loans and leases to total assets | 75.8271% | 819 |
| Net loans and leases to deposits | 87.7069% | 1,205 |
| Net loans and leases to core deposits | 88.0728% | 2,044 |
| Total domestic deposits to total assets | 86.4551% | 3,274 |
| Equity capital to assets | 9.3406% | 5,040 |
| Core capital (leverage) ratio | 9.1217% | 4,653 |
| Tier 1 risk-based capital ratio | 11.3070% | 6,385 |
| Total risk-based capital ratio | 12.5685% | 6,361 |
| Memoranda: | ||
| Average total assets | $76,817,000 | 5,570 |
| Average earning assets | $70,445,000 | 5,546 |
| Average equity | $6,661,000 | 5,978 |
| Average total loans | $62,888,000 | 4,703 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1850% | 318 |
| Cost of funding earning assets | 1.0379% | 3,104 |
| Net interest margin | 5.1472% | 314 |
| Noninterest income to average assets | 0.5799% | 3,299 |
| Noninterest expense to average assets | 2.8662% | 4,100 |
| Loan and lease loss provision to assets | 1.1156% | 813 |
| Net operating income to assets | 0.8670% | 2,749 |
| Return on assets (ROA) | 0.8670% | 2,889 |
| Pretax return on assets | 1.3226% | 2,043 |
| Return on Equity (ROE) | 10.6013% | 1,843 |
| Retained earnings to average equity (ytd only) | 5.3007% | 2,449 |
| Net charge-offs to loans | 0.2149% | 4,446 |
| Credit loss provision to net charge-offs | 616.7939% | 364 |
| Earnings coverage of net charge-offs (x) | 13.4809% | 1,538 |
| Efficiency ratio | 54.0344% | 6,513 |
| Assets per employee ($millions) | 3.3260% | 5,439 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8577% | 2,685 |
| Loan loss allowance to noncurrent loans | 144.4575% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 1.4027% | 3,884 |
| Noncurrent loans to loans | 1.2860% | 4,224 |
| Net loans and leases to total assets | 84.5970% | 183 |
| Net loans and leases to deposits | 96.6718% | 643 |
| Net loans and leases to core deposits | 97.0720% | 1,406 |
| Total domestic deposits to total assets | 87.5095% | 2,460 |
| Equity capital to assets | 7.9963% | 6,576 |
| Core capital (leverage) ratio | 7.6149% | 6,592 |
| Tier 1 risk-based capital ratio | 8.6850% | 7,065 |
| Total risk-based capital ratio | 9.9422% | 7,066 |
| Memoranda: | ||
| Average total assets | $72,430,600 | 5,681 |
| Average earning assets | $66,483,000 | 5,649 |
| Average equity | $5,923,800 | 6,175 |
| Average total loans | $60,960,000 | 4,831 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0773% | 406 |
| Cost of funding earning assets | 1.0876% | 3,062 |
| Net interest margin | 4.9897% | 423 |
| Noninterest income to average assets | 0.5377% | 3,597 |
| Noninterest expense to average assets | 2.8435% | 4,178 |
| Loan and lease loss provision to assets | 0.4388% | 2,280 |
| Net operating income to assets | 1.2154% | 1,612 |
| Return on assets (ROA) | 1.2154% | 1,723 |
| Pretax return on assets | 1.8465% | 864 |
| Return on Equity (ROE) | 14.7729% | 876 |
| Retained earnings to average equity (ytd only) | 7.6473% | 1,647 |
| Net charge-offs to loans | 0.2903% | 3,638 |
| Credit loss provision to net charge-offs | 180.7692% | 1,646 |
| Earnings coverage of net charge-offs (x) | 9.4153% | 2,051 |
| Efficiency ratio | 55.4423% | 6,344 |
| Assets per employee ($millions) | 3.4140% | 5,215 |
| Cash dividends to net income (ytd only)* | 48.2338% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9622% | 6,414 |
| Loan loss allowance to noncurrent loans | 75.6663% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 1.4060% | 4,019 |
| Noncurrent loans to loans | 1.2716% | 4,409 |
| Net loans and leases to total assets | 85.5964% | 140 |
| Net loans and leases to deposits | 107.7599% | 216 |
| Net loans and leases to core deposits | 109.6050% | 695 |
| Total domestic deposits to total assets | 79.4325% | 5,884 |
| Equity capital to assets | 7.7864% | 6,807 |
| Core capital (leverage) ratio | 7.8550% | 6,523 |
| Tier 1 risk-based capital ratio | 8.5494% | 7,151 |
| Total risk-based capital ratio | 9.5034% | 7,175 |
| Memoranda: | ||
| Average total assets | $71,413,750 | 5,745 |
| Average earning assets | $65,707,000 | 5,725 |
| Average equity | $5,875,500 | 6,229 |
| Average total loans | $59,715,000 | 4,912 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0269% | 457 |
| Cost of funding earning assets | 1.1480% | 2,913 |
| Net interest margin | 4.8789% | 513 |
| Noninterest income to average assets | 0.4403% | 4,342 |
| Noninterest expense to average assets | 2.9257% | 3,920 |
| Loan and lease loss provision to assets | 0.2897% | 3,072 |
| Net operating income to assets | 1.1239% | 1,808 |
| Return on assets (ROA) | 1.1239% | 1,889 |
| Pretax return on assets | 1.7062% | 1,046 |
| Return on Equity (ROE) | 13.3885% | 1,117 |
| Retained earnings to average equity (ytd only) | 7.7295% | 1,566 |
| Net charge-offs to loans | 0.2386% | 3,694 |
| Credit loss provision to net charge-offs | 147.0588% | 2,080 |
| Earnings coverage of net charge-offs (x) | 10.1324% | 1,849 |
| Efficiency ratio | 59.4467% | 5,951 |
| Assets per employee ($millions) | 3.1007% | 5,879 |
| Cash dividends to net income (ytd only)* | 42.2680% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 6,470 |
| Loan loss allowance to noncurrent loans | 58.2329% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 1.6392% | 3,718 |
| Noncurrent loans to loans | 1.6554% | 3,934 |
| Net loans and leases to total assets | 83.5495% | 269 |
| Net loans and leases to deposits | 97.7974% | 604 |
| Net loans and leases to core deposits | 99.5107% | 1,387 |
| Total domestic deposits to total assets | 85.4312% | 3,655 |
| Equity capital to assets | 8.3963% | 6,310 |
| Core capital (leverage) ratio | 8.2235% | 5,993 |
| Tier 1 risk-based capital ratio | 9.4076% | 7,120 |
| Total risk-based capital ratio | 10.3549% | 7,164 |
| Memoranda: | ||
| Average total assets | $69,044,330 | 5,851 |
| Average earning assets | $63,416,000 | 5,842 |
| Average equity | $5,796,000 | 6,293 |
| Average total loans | $56,998,330 | 5,084 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8527% | 666 |
| Cost of funding earning assets | 1.2102% | 2,746 |
| Net interest margin | 4.6425% | 796 |
| Noninterest income to average assets | 0.3770% | 4,901 |
| Noninterest expense to average assets | 2.9334% | 3,928 |
| Loan and lease loss provision to assets | 0.3534% | 2,432 |
| Net operating income to assets | 0.8953% | 2,585 |
| Return on assets (ROA) | 0.8953% | 2,644 |
| Pretax return on assets | 1.3607% | 1,843 |
| Return on Equity (ROE) | 10.6667% | 1,850 |
| Retained earnings to average equity (ytd only) | 1.1930% | 5,345 |
| Net charge-offs to loans | -0.0072% | 6,293 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1179% | 5,500 |
| Assets per employee ($millions) | 2.9902% | 6,158 |
| Cash dividends to net income (ytd only)* | 88.8158% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0865% | 6,095 |
| Loan loss allowance to noncurrent loans | 71.0618% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.4976% | 4,005 |
| Noncurrent loans to loans | 1.5289% | 4,181 |
| Net loans and leases to total assets | 80.6165% | 463 |
| Net loans and leases to deposits | 92.7545% | 950 |
| Net loans and leases to core deposits | 93.9697% | 1,883 |
| Total domestic deposits to total assets | 86.9138% | 2,987 |
| Equity capital to assets | 8.3475% | 6,108 |
| Core capital (leverage) ratio | 8.0509% | 6,190 |
| Tier 1 risk-based capital ratio | 9.6967% | 7,095 |
| Total risk-based capital ratio | 10.7619% | 7,146 |
| Memoranda: | ||
| Average total assets | $67,908,000 | 5,934 |
| Average earning assets | $62,467,000 | 5,921 |
| Average equity | $5,700,000 | 6,335 |
| Average total loans | $55,415,000 | 5,202 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8569% | 1,136 |
| Cost of funding earning assets | 1.4113% | 3,191 |
| Net interest margin | 4.4456% | 1,365 |
| Noninterest income to average assets | 0.4725% | 4,367 |
| Noninterest expense to average assets | 3.0300% | 3,731 |
| Loan and lease loss provision to assets | 0.2338% | 4,943 |
| Net operating income to assets | 0.8627% | 2,541 |
| Return on assets (ROA) | 0.8627% | 2,683 |
| Pretax return on assets | 1.2723% | 2,011 |
| Return on Equity (ROE) | 9.7578% | 2,015 |
| Retained earnings to average equity (ytd only) | 6.5477% | 1,531 |
| Net charge-offs to loans | 0.1461% | 5,483 |
| Credit loss provision to net charge-offs | 207.1429% | 1,488 |
| Earnings coverage of net charge-offs (x) | 13.3429% | 1,418 |
| Efficiency ratio | 65.1262% | 5,142 |
| Assets per employee ($millions) | 2.9148% | 6,284 |
| Cash dividends to net income (ytd only)* | 32.8972% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 6,383 |
| Loan loss allowance to noncurrent loans | 71.8218% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 1.3962% | 4,248 |
| Noncurrent loans to loans | 1.3929% | 4,398 |
| Net loans and leases to total assets | 80.8893% | 557 |
| Net loans and leases to deposits | 93.2571% | 1,123 |
| Net loans and leases to core deposits | 94.5118% | 2,199 |
| Total domestic deposits to total assets | 86.7380% | 2,953 |
| Equity capital to assets | 8.4411% | 5,936 |
| Core capital (leverage) ratio | 8.1652% | 5,881 |
| Tier 1 risk-based capital ratio | 9.7949% | 7,053 |
| Total risk-based capital ratio | 10.7721% | 7,141 |
| Memoranda: | ||
| Average total assets | $62,013,800 | 6,123 |
| Average earning assets | $56,685,200 | 6,111 |
| Average equity | $5,482,800 | 6,511 |
| Average total loans | $47,914,000 | 5,564 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7914% | 1,420 |
| Cost of funding earning assets | 1.4340% | 3,371 |
| Net interest margin | 4.3574% | 1,651 |
| Noninterest income to average assets | 0.4894% | 4,273 |
| Noninterest expense to average assets | 2.9450% | 3,935 |
| Loan and lease loss provision to assets | 0.2194% | 4,869 |
| Net operating income to assets | 0.8822% | 2,688 |
| Return on assets (ROA) | 0.8822% | 2,828 |
| Pretax return on assets | 1.2991% | 2,171 |
| Return on Equity (ROE) | 9.8550% | 2,177 |
| Retained earnings to average equity (ytd only) | 5.5404% | 2,628 |
| Net charge-offs to loans | 0.2049% | 4,717 |
| Credit loss provision to net charge-offs | 140.8451% | 2,814 |
| Earnings coverage of net charge-offs (x) | 9.7469% | 1,969 |
| Efficiency ratio | 64.2576% | 5,198 |
| Assets per employee ($millions) | 2.7902% | 6,603 |
| Cash dividends to net income (ytd only)* | 43.7807% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9446% | 6,596 |
| Loan loss allowance to noncurrent loans | 65.1102% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 1.4710% | 4,248 |
| Noncurrent loans to loans | 1.4507% | 4,443 |
| Net loans and leases to total assets | 82.0332% | 489 |
| Net loans and leases to deposits | 95.9484% | 985 |
| Net loans and leases to core deposits | 97.8604% | 2,058 |
| Total domestic deposits to total assets | 85.4972% | 3,343 |
| Equity capital to assets | 8.7185% | 5,983 |
| Core capital (leverage) ratio | 8.6244% | 5,308 |
| Tier 1 risk-based capital ratio | 10.0090% | 7,067 |
| Total risk-based capital ratio | 10.9465% | 7,181 |
| Memoranda: | ||
| Average total assets | $60,757,000 | 6,241 |
| Average earning assets | $55,414,500 | 6,218 |
| Average equity | $5,438,750 | 6,605 |
| Average total loans | $46,198,250 | 5,720 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7053% | 1,740 |
| Cost of funding earning assets | 1.4521% | 3,543 |
| Net interest margin | 4.2531% | 1,952 |
| Noninterest income to average assets | 0.3925% | 4,967 |
| Noninterest expense to average assets | 2.9488% | 3,896 |
| Loan and lease loss provision to assets | 0.2013% | 4,861 |
| Net operating income to assets | 0.7649% | 3,123 |
| Return on assets (ROA) | 0.7649% | 3,277 |
| Pretax return on assets | 1.1138% | 2,737 |
| Return on Equity (ROE) | 8.4653% | 2,683 |
| Retained earnings to average equity (ytd only) | 1.9307% | 4,906 |
| Net charge-offs to loans | 0.2780% | 3,947 |
| Credit loss provision to net charge-offs | 98.3607% | 4,171 |
| Earnings coverage of net charge-offs (x) | 6.4262% | 2,458 |
| Efficiency ratio | 67.4272% | 4,686 |
| Assets per employee ($millions) | 2.7778% | 6,620 |
| Cash dividends to net income (ytd only)* | 77.1930% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 6,178 |
| Loan loss allowance to noncurrent loans | 84.4365% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 1.1978% | 4,745 |
| Noncurrent loans to loans | 1.2431% | 4,894 |
| Net loans and leases to total assets | 72.8101% | 2,210 |
| Net loans and leases to deposits | 84.6073% | 2,766 |
| Net loans and leases to core deposits | 86.3628% | 3,778 |
| Total domestic deposits to total assets | 86.0565% | 3,044 |
| Equity capital to assets | 8.8707% | 5,644 |
| Core capital (leverage) ratio | 8.6872% | 5,097 |
| Tier 1 risk-based capital ratio | 11.3688% | 5,891 |
| Total risk-based capital ratio | 12.3916% | 6,090 |
| Memoranda: | ||
| Average total assets | $59,618,000 | 6,324 |
| Average earning assets | $54,265,670 | 6,312 |
| Average equity | $5,386,670 | 6,653 |
| Average total loans | $43,882,330 | 5,871 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7957% | 1,475 |
| Cost of funding earning assets | 1.4844% | 3,660 |
| Net interest margin | 4.3113% | 1,655 |
| Noninterest income to average assets | 0.4213% | 4,727 |
| Noninterest expense to average assets | 2.8129% | 4,441 |
| Loan and lease loss provision to assets | 0.2038% | 4,462 |
| Net operating income to assets | 0.9037% | 2,529 |
| Return on assets (ROA) | 0.9037% | 2,600 |
| Pretax return on assets | 1.3317% | 1,961 |
| Return on Equity (ROE) | 9.9078% | 2,134 |
| Retained earnings to average equity (ytd only) | 4.8422% | 3,246 |
| Net charge-offs to loans | 0.5814% | 2,352 |
| Credit loss provision to net charge-offs | 47.6190% | 4,523 |
| Earnings coverage of net charge-offs (x) | 3.5873% | 2,854 |
| Efficiency ratio | 64.6875% | 5,357 |
| Assets per employee ($millions) | 2.9615% | 6,304 |
| Cash dividends to net income (ytd only)* | 51.1278% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 6,385 |
| Loan loss allowance to noncurrent loans | 78.8530% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.2342% | 4,704 |
| Noncurrent loans to loans | 1.2867% | 4,826 |
| Net loans and leases to total assets | 72.4734% | 2,335 |
| Net loans and leases to deposits | 84.6083% | 2,834 |
| Net loans and leases to core deposits | 85.9087% | 3,914 |
| Total domestic deposits to total assets | 85.6576% | 3,343 |
| Equity capital to assets | 9.1592% | 5,050 |
| Core capital (leverage) ratio | 8.7923% | 4,867 |
| Tier 1 risk-based capital ratio | 11.7725% | 5,428 |
| Total risk-based capital ratio | 12.7574% | 5,644 |
| Memoranda: | ||
| Average total assets | $58,871,500 | 6,436 |
| Average earning assets | $53,626,000 | 6,408 |
| Average equity | $5,369,500 | 6,718 |
| Average total loans | $43,340,000 | 5,968 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1843% | 1,276 |
| Cost of funding earning assets | 1.7923% | 4,029 |
| Net interest margin | 4.3920% | 1,456 |
| Noninterest income to average assets | 0.4016% | 5,186 |
| Noninterest expense to average assets | 3.0869% | 3,803 |
| Loan and lease loss provision to assets | 0.6044% | 3,376 |
| Net operating income to assets | 0.4497% | 3,927 |
| Return on assets (ROA) | 0.4497% | 4,050 |
| Pretax return on assets | 0.5898% | 3,927 |
| Return on Equity (ROE) | 5.3289% | 3,516 |
| Retained earnings to average equity (ytd only) | 5.3289% | 1,661 |
| Net charge-offs to loans | 0.4362% | 4,055 |
| Credit loss provision to net charge-offs | 190.1316% | 2,108 |
| Earnings coverage of net charge-offs (x) | 3.7566% | 3,215 |
| Efficiency ratio | 71.6170% | 4,326 |
| Assets per employee ($millions) | 2.9257% | 6,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0943% | 5,924 |
| Loan loss allowance to noncurrent loans | 58.6634% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 1.4134% | 4,290 |
| Noncurrent loans to loans | 1.8654% | 3,843 |
| Net loans and leases to total assets | 73.2145% | 2,444 |
| Net loans and leases to deposits | 85.3539% | 3,017 |
| Net loans and leases to core deposits | 94.8480% | 4,581 |
| Total domestic deposits to total assets | 85.7775% | 3,120 |
| Equity capital to assets | 9.0817% | 5,010 |
| Core capital (leverage) ratio | 8.7794% | 4,798 |
| Tier 1 risk-based capital ratio | 11.5764% | 5,321 |
| Total risk-based capital ratio | 12.6355% | 5,483 |
| Memoranda: | ||
| Average total assets | $47,814,400 | 6,796 |
| Average earning assets | $42,236,200 | 6,853 |
| Average equity | $4,034,600 | 7,276 |
| Average total loans | $34,848,000 | 6,362 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1551% | 1,483 |
| Cost of funding earning assets | 1.8169% | 4,305 |
| Net interest margin | 4.3382% | 1,623 |
| Noninterest income to average assets | 0.4342% | 5,004 |
| Noninterest expense to average assets | 2.9714% | 4,158 |
| Loan and lease loss provision to assets | 0.5878% | 3,034 |
| Net operating income to assets | 0.5051% | 3,963 |
| Return on assets (ROA) | 0.5051% | 4,051 |
| Pretax return on assets | 0.6764% | 3,940 |
| Return on Equity (ROE) | 6.1374% | 3,471 |
| Retained earnings to average equity (ytd only) | 6.1374% | 1,883 |
| Net charge-offs to loans | 0.6069% | 2,856 |
| Credit loss provision to net charge-offs | 133.5570% | 3,732 |
| Earnings coverage of net charge-offs (x) | 2.8725% | 3,788 |
| Efficiency ratio | 69.8745% | 4,622 |
| Assets per employee ($millions) | 2.8486% | 6,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8772% | 6,856 |
| Loan loss allowance to noncurrent loans | 94.6078% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.7512% | 5,625 |
| Noncurrent loans to loans | 0.9272% | 5,438 |
| Net loans and leases to total assets | 76.5569% | 1,883 |
| Net loans and leases to deposits | 89.7227% | 2,630 |
| Net loans and leases to core deposits | 100.9910% | 4,267 |
| Total domestic deposits to total assets | 85.3261% | 3,062 |
| Equity capital to assets | 9.3327% | 4,980 |
| Core capital (leverage) ratio | 8.9250% | 4,771 |
| Tier 1 risk-based capital ratio | 11.4037% | 5,528 |
| Total risk-based capital ratio | 12.2608% | 5,908 |
| Memoranda: | ||
| Average total assets | $45,139,750 | 6,958 |
| Average earning assets | $39,554,500 | 7,014 |
| Average equity | $3,714,750 | 7,444 |
| Average total loans | $32,731,500 | 6,526 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2135% | 1,412 |
| Cost of funding earning assets | 1.9041% | 4,240 |
| Net interest margin | 4.3093% | 1,632 |
| Noninterest income to average assets | 0.4709% | 4,702 |
| Noninterest expense to average assets | 3.0683% | 3,820 |
| Loan and lease loss provision to assets | 0.6408% | 2,509 |
| Net operating income to assets | 0.4078% | 4,485 |
| Return on assets (ROA) | 0.4078% | 4,591 |
| Pretax return on assets | 0.5195% | 4,554 |
| Return on Equity (ROE) | 5.2819% | 3,962 |
| Retained earnings to average equity (ytd only) | 5.2819% | 2,354 |
| Net charge-offs to loans | 1.0285% | 1,730 |
| Credit loss provision to net charge-offs | 88.5906% | 4,963 |
| Earnings coverage of net charge-offs (x) | 1.6040% | 4,341 |
| Efficiency ratio | 72.5603% | 4,288 |
| Assets per employee ($millions) | 3.3172% | 5,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0568% | 5,866 |
| Loan loss allowance to noncurrent loans | 78.7654% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.0087% | 4,950 |
| Noncurrent loans to loans | 1.3417% | 4,533 |
| Net loans and leases to total assets | 69.2561% | 3,889 |
| Net loans and leases to deposits | 80.6557% | 4,447 |
| Net loans and leases to core deposits | 90.6789% | 5,477 |
| Total domestic deposits to total assets | 85.8663% | 2,852 |
| Equity capital to assets | 7.4205% | 7,336 |
| Core capital (leverage) ratio | 7.3266% | 7,214 |
| Tier 1 risk-based capital ratio | 9.6890% | 7,240 |
| Total risk-based capital ratio | 10.6892% | 7,401 |
| Memoranda: | ||
| Average total assets | $41,195,670 | 7,163 |
| Average earning assets | $35,922,000 | 7,227 |
| Average equity | $3,180,670 | 7,673 |
| Average total loans | $28,974,670 | 6,792 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2357% | 1,488 |
| Cost of funding earning assets | 1.8944% | 4,650 |
| Net interest margin | 4.3413% | 1,483 |
| Noninterest income to average assets | 0.6463% | 3,223 |
| Noninterest expense to average assets | 3.0623% | 3,512 |
| Loan and lease loss provision to assets | 0.2088% | 4,353 |
| Net operating income to assets | 0.8650% | 2,860 |
| Return on assets (ROA) | 0.8650% | 3,004 |
| Pretax return on assets | 1.2030% | 2,620 |
| Return on Equity (ROE) | 10.9745% | 1,967 |
| Retained earnings to average equity (ytd only) | 10.9745% | 975 |
| Net charge-offs to loans | 1.0011% | 1,342 |
| Credit loss provision to net charge-offs | 29.5775% | 4,952 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,720 |
| Efficiency ratio | 68.4444% | 4,881 |
| Assets per employee ($millions) | 3.1259% | 5,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 6,176 |
| Loan loss allowance to noncurrent loans | 62.1739% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 1.1320% | 4,412 |
| Noncurrent loans to loans | 1.6095% | 3,862 |
| Net loans and leases to total assets | 69.6262% | 3,773 |
| Net loans and leases to deposits | 81.9617% | 4,291 |
| Net loans and leases to core deposits | 92.2951% | 5,320 |
| Total domestic deposits to total assets | 84.9497% | 3,232 |
| Equity capital to assets | 7.9780% | 6,845 |
| Core capital (leverage) ratio | 7.6406% | 6,971 |
| Tier 1 risk-based capital ratio | 10.1600% | 6,751 |
| Total risk-based capital ratio | 11.0994% | 6,987 |
| Memoranda: | ||
| Average total assets | $40,231,500 | 7,238 |
| Average earning assets | $35,473,000 | 7,283 |
| Average equity | $3,171,000 | 7,731 |
| Average total loans | $28,369,500 | 6,859 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7877% | 1,721 |
| Cost of funding earning assets | 2.4289% | 4,577 |
| Net interest margin | 4.3588% | 1,799 |
| Noninterest income to average assets | 0.5888% | 3,930 |
| Noninterest expense to average assets | 3.2905% | 2,993 |
| Loan and lease loss provision to assets | 0.0480% | 6,818 |
| Net operating income to assets | 1.1377% | 1,996 |
| Return on assets (ROA) | -0.8366% | 7,068 |
| Pretax return on assets | -0.8366% | 6,901 |
| Return on Equity (ROE) | -11.2626% | 7,367 |
| Retained earnings to average equity (ytd only) | -13.3070% | 7,357 |
| Net charge-offs to loans | -0.0542% | 8,032 |
| Credit loss provision to net charge-offs | -128.5714% | 7,327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5119% | 3,660 |
| Assets per employee ($millions) | 3.0635% | 5,882 |
| Cash dividends to net income (ytd only)* | -18.1529% | 7,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1968% | 4,559 |
| Loan loss allowance to noncurrent loans | 68.2186% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 1.2404% | 3,744 |
| Noncurrent loans to loans | 1.7543% | 3,132 |
| Net loans and leases to total assets | 69.8589% | 4,050 |
| Net loans and leases to deposits | 84.5602% | 4,328 |
| Net loans and leases to core deposits | 92.1899% | 5,617 |
| Total domestic deposits to total assets | 82.6144% | 3,943 |
| Equity capital to assets | 7.7839% | 7,117 |
| Core capital (leverage) ratio | 7.6619% | 6,980 |
| Tier 1 risk-based capital ratio | 10.0093% | 6,727 |
| Total risk-based capital ratio | 11.1315% | 6,752 |
| Memoranda: | ||
| Average total assets | $37,532,200 | 7,326 |
| Average earning assets | $33,472,400 | 7,348 |
| Average equity | $2,788,000 | 7,897 |
| Average total loans | $25,838,200 | 6,979 |