Home > The Village Bank > Performance and Condition Ratios
The Village Bank, Performance and Condition Ratios
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6726% | 667 |
| Cost of funding earning assets | 0.5437% | 3,899 |
| Net interest margin | 5.1289% | 264 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.0927% | 3,363 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.8148% | 638 |
| Return on assets (ROA) | 1.8148% | 639 |
| Pretax return on assets | 2.4404% | 383 |
| Return on Equity (ROE) | 13.0800% | 1,884 |
| Retained earnings to average equity (ytd only) | 13.0810% | 797 |
| Net charge-offs to loans | 0.0346% | 1,203 |
| Credit loss provision to net charge-offs | 670.0000% | 537 |
| Earnings coverage of net charge-offs (x) | 160.4000% | 716 |
| Efficiency ratio | 30.9719% | 4,536 |
| Assets per employee ($millions) | 7.8673% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1198% | 4,510 |
| Loan loss allowance to noncurrent loans | 47.5177% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 2,754 |
| Noncurrent loans to loans | 0.2521% | 2,255 |
| Net loans and leases to total assets | 44.3700% | 3,864 |
| Net loans and leases to deposits | 52.8440% | 3,801 |
| Net loans and leases to core deposits | 55.8199% | 3,819 |
| Total domestic deposits to total assets | 83.9700% | 2,824 |
| Equity capital to assets | 15.1840% | 508 |
| Core capital (leverage) ratio | 7.9887% | 4,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0735% | 1,864 |
| Memoranda: | ||
| Average total assets | $125,963,000 | 3,615 |
| Average earning assets | $107,781,000 | 3,684 |
| Average equity | $17,475,667 | 3,066 |
| Average total loans | $57,818,667 | 3,754 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6056% | 2,072 |
| Cost of funding earning assets | 0.4985% | 3,690 |
| Net interest margin | 4.1071% | 1,087 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.0570% | 3,483 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.1872% | 1,966 |
| Return on assets (ROA) | 1.1872% | 1,927 |
| Pretax return on assets | 1.6253% | 1,407 |
| Return on Equity (ROE) | 8.9800% | 3,054 |
| Retained earnings to average equity (ytd only) | 8.9812% | 1,958 |
| Net charge-offs to loans | 0.0340% | 1,040 |
| Credit loss provision to net charge-offs | 580.0000% | 518 |
| Earnings coverage of net charge-offs (x) | 108.2000% | 750 |
| Efficiency ratio | 37.0900% | 4,512 |
| Assets per employee ($millions) | 7.4942% | 1,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0581% | 4,575 |
| Loan loss allowance to noncurrent loans | 34.3434% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 3,021 |
| Noncurrent loans to loans | 0.1693% | 2,641 |
| Net loans and leases to total assets | 45.8700% | 3,779 |
| Net loans and leases to deposits | 53.9987% | 3,683 |
| Net loans and leases to core deposits | 56.6141% | 3,711 |
| Total domestic deposits to total assets | 84.9500% | 2,874 |
| Equity capital to assets | 14.3985% | 541 |
| Core capital (leverage) ratio | 7.6884% | 4,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4360% | 2,204 |
| Memoranda: | ||
| Average total assets | $126,006,500 | 3,658 |
| Average earning assets | $107,520,500 | 3,742 |
| Average equity | $16,657,000 | 3,160 |
| Average total loans | $58,767,500 | 3,777 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3961% | 4,696 |
| Cost of funding earning assets | 0.0367% | 4,599 |
| Net interest margin | 0.3594% | 4,695 |
| Noninterest income to average assets | 0.0300% | 4,621 |
| Noninterest expense to average assets | 0.1989% | 4,702 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.1042% | 4,506 |
| Return on assets (ROA) | 0.1042% | 4,496 |
| Pretax return on assets | 0.1494% | 4,478 |
| Return on Equity (ROE) | 1.0600% | 4,481 |
| Retained earnings to average equity (ytd only) | 1.0561% | 4,187 |
| Net charge-offs to loans | 0.0065% | 2,169 |
| Credit loss provision to net charge-offs | 350.0000% | 840 |
| Earnings coverage of net charge-offs (x) | 46.5000% | 1,406 |
| Efficiency ratio | 38.5542% | 4,568 |
| Assets per employee ($millions) | 7.7882% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0169% | 4,604 |
| Loan loss allowance to noncurrent loans | 28.5714% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 3,537 |
| Noncurrent loans to loans | 0.0593% | 3,327 |
| Net loans and leases to total assets | 47.3800% | 3,714 |
| Net loans and leases to deposits | 54.1776% | 3,672 |
| Net loans and leases to core deposits | 57.1122% | 3,671 |
| Total domestic deposits to total assets | 87.4600% | 2,248 |
| Equity capital to assets | 12.0134% | 931 |
| Core capital (leverage) ratio | 3.6058% | 4,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 5.7817% | 3,054 |
| Memoranda: | ||
| Average total assets | $115,109,600 | 3,778 |
| Average earning assets | $106,285,400 | 3,768 |
| Average equity | $11,363,000 | 3,728 |
| Average total loans | $61,636,600 | 3,698 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1832% | 3,473 |
| Cost of funding earning assets | 0.1979% | 3,303 |
| Net interest margin | 2.9853% | 3,254 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 1.9810% | 3,529 |
| Loan and lease loss provision to assets | -0.1100% | 4,594 |
| Net operating income to assets | 1.2217% | 1,623 |
| Return on assets (ROA) | 1.2217% | 1,598 |
| Pretax return on assets | 1.2324% | 2,250 |
| Return on Equity (ROE) | 13.1700% | 1,652 |
| Retained earnings to average equity (ytd only) | 10.9353% | 1,070 |
| Net charge-offs to loans | 0.0107% | 1,714 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,737 |
| Earnings coverage of net charge-offs (x) | 190.4000% | 639 |
| Efficiency ratio | 63.7609% | 2,584 |
| Assets per employee ($millions) | 6.6393% | 2,206 |
| Cash dividends to net income (ytd only)* | 16.9409% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6790% | 4,289 |
| Loan loss allowance to noncurrent loans | 19.1183% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 1.9696% | 137 |
| Noncurrent loans to loans | 3.5517% | 117 |
| Net loans and leases to total assets | 55.0800% | 2,997 |
| Net loans and leases to deposits | 61.5619% | 3,058 |
| Net loans and leases to core deposits | 61.5619% | 3,265 |
| Total domestic deposits to total assets | 89.4700% | 1,884 |
| Equity capital to assets | 9.6201% | 1,816 |
| Core capital (leverage) ratio | 9.6261% | 2,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $112,734,250 | 3,826 |
| Average earning assets | $106,430,250 | 3,790 |
| Average equity | $10,461,250 | 3,867 |
| Average total loans | $62,281,750 | 3,713 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0839% | 3,346 |
| Cost of funding earning assets | 0.1933% | 3,005 |
| Net interest margin | 2.8906% | 3,195 |
| Noninterest income to average assets | 0.2804% | 3,487 |
| Noninterest expense to average assets | 1.9540% | 3,565 |
| Loan and lease loss provision to assets | -0.1633% | 4,659 |
| Net operating income to assets | 1.2122% | 1,389 |
| Return on assets (ROA) | 1.2122% | 1,376 |
| Pretax return on assets | 1.2228% | 1,998 |
| Return on Equity (ROE) | 13.2249% | 1,316 |
| Retained earnings to average equity (ytd only) | 10.8045% | 822 |
| Net charge-offs to loans | 0.0257% | 1,202 |
| Credit loss provision to net charge-offs | -1,150.0000% | 3,578 |
| Earnings coverage of net charge-offs (x) | 74.6250% | 968 |
| Efficiency ratio | 64.8410% | 2,658 |
| Assets per employee ($millions) | 5.7525% | 2,977 |
| Cash dividends to net income (ytd only)* | 18.3016% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6532% | 4,406 |
| Loan loss allowance to noncurrent loans | 18.8764% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 2.0973% | 126 |
| Noncurrent loans to loans | 3.4607% | 129 |
| Net loans and leases to total assets | 55.5185% | 2,805 |
| Net loans and leases to deposits | 61.7283% | 2,910 |
| Net loans and leases to core deposits | 61.7283% | 3,137 |
| Total domestic deposits to total assets | 89.9400% | 1,734 |
| Equity capital to assets | 9.1769% | 2,255 |
| Core capital (leverage) ratio | 9.0419% | 3,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,689,667 | 3,868 |
| Average earning assets | $106,552,000 | 3,840 |
| Average equity | $10,329,000 | 3,947 |
| Average total loans | $62,179,333 | 3,754 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0937% | 2,995 |
| Cost of funding earning assets | 0.1971% | 2,839 |
| Net interest margin | 2.8966% | 2,853 |
| Noninterest income to average assets | 0.3121% | 3,231 |
| Noninterest expense to average assets | 1.8402% | 3,839 |
| Loan and lease loss provision to assets | -0.3372% | 4,735 |
| Net operating income to assets | 1.5389% | 583 |
| Return on assets (ROA) | 1.5389% | 577 |
| Pretax return on assets | 1.5496% | 920 |
| Return on Equity (ROE) | 16.7996% | 445 |
| Retained earnings to average equity (ytd only) | 16.7996% | 190 |
| Net charge-offs to loans | 0.0524% | 767 |
| Credit loss provision to net charge-offs | -1,175.0000% | 3,292 |
| Earnings coverage of net charge-offs (x) | 42.2500% | 989 |
| Efficiency ratio | 60.2820% | 3,456 |
| Assets per employee ($millions) | 6.0956% | 2,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6922% | 4,398 |
| Loan loss allowance to noncurrent loans | 2,612.5000% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 2,564 |
| Noncurrent loans to loans | 0.0265% | 3,805 |
| Net loans and leases to total assets | 51.7791% | 3,004 |
| Net loans and leases to deposits | 57.4229% | 3,134 |
| Net loans and leases to core deposits | 57.4229% | 3,352 |
| Total domestic deposits to total assets | 90.1716% | 1,460 |
| Equity capital to assets | 9.0047% | 2,704 |
| Core capital (leverage) ratio | 9.2972% | 3,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,509,500 | 3,896 |
| Average earning assets | $105,503,500 | 3,867 |
| Average equity | $10,214,500 | 4,028 |
| Average total loans | $61,122,000 | 3,775 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1172% | 3,652 |
| Cost of funding earning assets | 0.2197% | 3,259 |
| Net interest margin | 2.8975% | 3,447 |
| Noninterest income to average assets | 0.3875% | 3,120 |
| Noninterest expense to average assets | 1.8464% | 4,055 |
| Loan and lease loss provision to assets | 0.2384% | 409 |
| Net operating income to assets | 1.0199% | 2,591 |
| Return on assets (ROA) | 1.0199% | 2,673 |
| Pretax return on assets | 1.0346% | 3,168 |
| Return on Equity (ROE) | 11.3232% | 2,047 |
| Retained earnings to average equity (ytd only) | 7.9508% | 1,566 |
| Net charge-offs to loans | 0.1011% | 850 |
| Credit loss provision to net charge-offs | 438.9831% | 869 |
| Earnings coverage of net charge-offs (x) | 23.4407% | 1,777 |
| Efficiency ratio | 59.1915% | 3,270 |
| Assets per employee ($millions) | 5.9557% | 2,825 |
| Cash dividends to net income (ytd only)* | 29.7834% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8406% | 4,195 |
| Loan loss allowance to noncurrent loans | 1,405.4054% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.2099% | 2,514 |
| Noncurrent loans to loans | 0.0598% | 3,650 |
| Net loans and leases to total assets | 57.2163% | 2,451 |
| Net loans and leases to deposits | 63.6990% | 2,709 |
| Net loans and leases to core deposits | 63.6990% | 3,008 |
| Total domestic deposits to total assets | 89.8230% | 1,049 |
| Equity capital to assets | 9.3282% | 3,289 |
| Core capital (leverage) ratio | 9.3661% | 3,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,641,200 | 3,909 |
| Average earning assets | $102,433,000 | 3,881 |
| Average equity | $9,785,200 | 4,149 |
| Average total loans | $58,352,200 | 3,842 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1343% | 3,738 |
| Cost of funding earning assets | 0.2206% | 3,418 |
| Net interest margin | 2.9137% | 3,524 |
| Noninterest income to average assets | 0.3902% | 3,145 |
| Noninterest expense to average assets | 1.7675% | 4,227 |
| Loan and lease loss provision to assets | 0.0477% | 2,047 |
| Net operating income to assets | 1.3113% | 1,788 |
| Return on assets (ROA) | 1.3113% | 1,842 |
| Pretax return on assets | 1.3211% | 2,571 |
| Return on Equity (ROE) | 14.6873% | 1,200 |
| Retained earnings to average equity (ytd only) | 14.6873% | 439 |
| Net charge-offs to loans | 0.0928% | 779 |
| Credit loss provision to net charge-offs | 97.5000% | 1,624 |
| Earnings coverage of net charge-offs (x) | 27.9750% | 1,562 |
| Efficiency ratio | 56.3573% | 3,490 |
| Assets per employee ($millions) | 6.5939% | 2,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5543% | 4,666 |
| Loan loss allowance to noncurrent loans | 319.0000% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.2730% | 2,412 |
| Noncurrent loans to loans | 0.1738% | 3,254 |
| Net loans and leases to total assets | 54.2416% | 2,941 |
| Net loans and leases to deposits | 60.7527% | 3,164 |
| Net loans and leases to core deposits | 60.7527% | 3,422 |
| Total domestic deposits to total assets | 89.2827% | 1,128 |
| Equity capital to assets | 9.7562% | 3,142 |
| Core capital (leverage) ratio | 9.2617% | 3,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,001,000 | 3,951 |
| Average earning assets | $102,731,250 | 3,925 |
| Average equity | $9,731,500 | 4,219 |
| Average total loans | $57,476,000 | 3,917 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8420% | 4,294 |
| Cost of funding earning assets | 0.2214% | 3,548 |
| Net interest margin | 2.6206% | 4,131 |
| Noninterest income to average assets | 0.4048% | 3,089 |
| Noninterest expense to average assets | 1.6339% | 4,465 |
| Loan and lease loss provision to assets | 0.0218% | 2,540 |
| Net operating income to assets | 1.2091% | 2,158 |
| Return on assets (ROA) | 1.2091% | 2,225 |
| Pretax return on assets | 1.2200% | 2,858 |
| Return on Equity (ROE) | 13.9559% | 1,423 |
| Retained earnings to average equity (ytd only) | 13.9559% | 551 |
| Net charge-offs to loans | 0.0070% | 1,881 |
| Credit loss provision to net charge-offs | 600.0000% | 623 |
| Earnings coverage of net charge-offs (x) | 342.0000% | 343 |
| Efficiency ratio | 56.8182% | 3,428 |
| Assets per employee ($millions) | 7.1113% | 1,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5532% | 4,701 |
| Loan loss allowance to noncurrent loans | 392.8571% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 2,736 |
| Noncurrent loans to loans | 0.1408% | 3,495 |
| Net loans and leases to total assets | 52.1383% | 3,328 |
| Net loans and leases to deposits | 57.6422% | 3,577 |
| Net loans and leases to core deposits | 57.6422% | 3,784 |
| Total domestic deposits to total assets | 90.4517% | 577 |
| Equity capital to assets | 8.6896% | 4,058 |
| Core capital (leverage) ratio | 8.5990% | 3,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,167,333 | 3,961 |
| Average earning assets | $103,869,667 | 3,932 |
| Average equity | $9,544,333 | 4,255 |
| Average total loans | $57,453,000 | 3,943 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8405% | 4,325 |
| Cost of funding earning assets | 0.2272% | 3,661 |
| Net interest margin | 2.6133% | 4,122 |
| Noninterest income to average assets | 0.4245% | 2,959 |
| Noninterest expense to average assets | 1.5873% | 4,554 |
| Loan and lease loss provision to assets | 0.0148% | 2,591 |
| Net operating income to assets | 1.2735% | 1,912 |
| Return on assets (ROA) | 1.2735% | 1,988 |
| Pretax return on assets | 1.2846% | 2,606 |
| Return on Equity (ROE) | 14.7231% | 1,273 |
| Retained earnings to average equity (ytd only) | 14.7231% | 656 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9872% | 3,669 |
| Assets per employee ($millions) | 7.1701% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5625% | 4,725 |
| Loan loss allowance to noncurrent loans | 450.0000% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.2266% | 3,021 |
| Noncurrent loans to loans | 0.1250% | 3,685 |
| Net loans and leases to total assets | 49.9259% | 3,633 |
| Net loans and leases to deposits | 54.9721% | 3,872 |
| Net loans and leases to core deposits | 54.9721% | 4,050 |
| Total domestic deposits to total assets | 90.8204% | 464 |
| Equity capital to assets | 8.3384% | 4,246 |
| Core capital (leverage) ratio | 8.8294% | 3,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,361,000 | 3,987 |
| Average earning assets | $102,094,000 | 3,956 |
| Average equity | $9,373,000 | 4,288 |
| Average total loans | $56,353,000 | 3,984 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4204% | 4,170 |
| Cost of funding earning assets | 0.2901% | 4,199 |
| Net interest margin | 3.1303% | 3,551 |
| Noninterest income to average assets | 0.4090% | 3,050 |
| Noninterest expense to average assets | 1.9863% | 4,166 |
| Loan and lease loss provision to assets | 0.0774% | 3,408 |
| Net operating income to assets | 1.2447% | 1,399 |
| Return on assets (ROA) | 1.2447% | 1,505 |
| Pretax return on assets | 1.2573% | 2,129 |
| Return on Equity (ROE) | 13.3876% | 944 |
| Retained earnings to average equity (ytd only) | 8.3476% | 960 |
| Net charge-offs to loans | 0.1441% | 1,124 |
| Credit loss provision to net charge-offs | 98.6301% | 2,854 |
| Earnings coverage of net charge-offs (x) | 17.4795% | 2,074 |
| Efficiency ratio | 59.8110% | 3,489 |
| Assets per employee ($millions) | 6.3750% | 2,024 |
| Cash dividends to net income (ytd only)* | 37.6471% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5807% | 4,724 |
| Loan loss allowance to noncurrent loans | 344.0860% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.2755% | 2,916 |
| Noncurrent loans to loans | 0.1688% | 3,603 |
| Net loans and leases to total assets | 53.7118% | 3,517 |
| Net loans and leases to deposits | 59.6135% | 3,792 |
| Net loans and leases to core deposits | 59.6135% | 3,969 |
| Total domestic deposits to total assets | 90.1000% | 528 |
| Equity capital to assets | 9.0000% | 4,052 |
| Core capital (leverage) ratio | 9.1392% | 3,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,604,200 | 4,048 |
| Average earning assets | $88,936,000 | 4,044 |
| Average equity | $8,888,800 | 4,331 |
| Average total loans | $50,667,000 | 4,101 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4045% | 4,340 |
| Cost of funding earning assets | 0.2995% | 4,313 |
| Net interest margin | 3.1050% | 3,722 |
| Noninterest income to average assets | 0.3957% | 3,104 |
| Noninterest expense to average assets | 2.0310% | 4,084 |
| Loan and lease loss provision to assets | 0.0670% | 3,497 |
| Net operating income to assets | 1.1673% | 1,757 |
| Return on assets (ROA) | 1.1673% | 1,876 |
| Pretax return on assets | 1.1800% | 2,455 |
| Return on Equity (ROE) | 12.4468% | 1,263 |
| Retained earnings to average equity (ytd only) | 9.3010% | 911 |
| Net charge-offs to loans | 0.0135% | 2,633 |
| Credit loss provision to net charge-offs | 940.0000% | 868 |
| Earnings coverage of net charge-offs (x) | 175.8000% | 535 |
| Efficiency ratio | 61.9645% | 3,087 |
| Assets per employee ($millions) | 6.5601% | 1,780 |
| Cash dividends to net income (ytd only)* | 25.2734% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6850% | 4,600 |
| Loan loss allowance to noncurrent loans | 160.6195% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.4878% | 2,247 |
| Noncurrent loans to loans | 0.4265% | 2,781 |
| Net loans and leases to total assets | 53.4816% | 3,850 |
| Net loans and leases to deposits | 59.5908% | 4,087 |
| Net loans and leases to core deposits | 59.5908% | 4,228 |
| Total domestic deposits to total assets | 89.7482% | 514 |
| Equity capital to assets | 9.2224% | 3,934 |
| Core capital (leverage) ratio | 9.2846% | 3,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,005,250 | 4,070 |
| Average earning assets | $87,256,000 | 4,063 |
| Average equity | $8,816,000 | 4,353 |
| Average total loans | $49,557,250 | 4,142 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5347% | 4,367 |
| Cost of funding earning assets | 0.3128% | 4,428 |
| Net interest margin | 3.2218% | 3,605 |
| Noninterest income to average assets | 0.3977% | 3,094 |
| Noninterest expense to average assets | 2.1267% | 3,974 |
| Loan and lease loss provision to assets | 0.0303% | 3,880 |
| Net operating income to assets | 1.2125% | 1,609 |
| Return on assets (ROA) | 1.2125% | 1,726 |
| Pretax return on assets | 1.2233% | 2,282 |
| Return on Equity (ROE) | 12.8527% | 1,136 |
| Retained earnings to average equity (ytd only) | 9.9431% | 800 |
| Net charge-offs to loans | 0.0165% | 2,403 |
| Credit loss provision to net charge-offs | 350.0000% | 1,514 |
| Earnings coverage of net charge-offs (x) | 145.0000% | 545 |
| Efficiency ratio | 62.9156% | 2,969 |
| Assets per employee ($millions) | 5.3343% | 2,791 |
| Cash dividends to net income (ytd only)* | 22.6381% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6527% | 4,664 |
| Loan loss allowance to noncurrent loans | 131.3492% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.5270% | 2,249 |
| Noncurrent loans to loans | 0.4969% | 2,664 |
| Net loans and leases to total assets | 52.4751% | 3,995 |
| Net loans and leases to deposits | 58.5239% | 4,195 |
| Net loans and leases to core deposits | 58.5239% | 4,328 |
| Total domestic deposits to total assets | 89.6643% | 508 |
| Equity capital to assets | 9.2827% | 3,848 |
| Core capital (leverage) ratio | 9.4231% | 3,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,539,667 | 4,087 |
| Average earning assets | $85,665,667 | 4,091 |
| Average equity | $8,729,667 | 4,368 |
| Average total loans | $48,413,000 | 4,168 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7520% | 4,295 |
| Cost of funding earning assets | 0.3250% | 4,581 |
| Net interest margin | 3.4270% | 3,223 |
| Noninterest income to average assets | 0.4493% | 2,793 |
| Noninterest expense to average assets | 2.1850% | 4,042 |
| Loan and lease loss provision to assets | 0.0088% | 3,652 |
| Net operating income to assets | 1.4009% | 972 |
| Return on assets (ROA) | 1.4009% | 1,053 |
| Pretax return on assets | 1.4141% | 1,515 |
| Return on Equity (ROE) | 14.7256% | 585 |
| Retained earnings to average equity (ytd only) | 14.7256% | 207 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5617% | 3,669 |
| Assets per employee ($millions) | 6.0136% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6718% | 4,654 |
| Loan loss allowance to noncurrent loans | 71.0177% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 0.9268% | 1,436 |
| Noncurrent loans to loans | 0.9460% | 1,742 |
| Net loans and leases to total assets | 52.6141% | 4,084 |
| Net loans and leases to deposits | 59.0232% | 4,246 |
| Net loans and leases to core deposits | 59.0232% | 4,397 |
| Total domestic deposits to total assets | 89.1413% | 608 |
| Equity capital to assets | 9.7523% | 3,993 |
| Core capital (leverage) ratio | 9.6830% | 3,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,801,000 | 4,108 |
| Average earning assets | $83,688,000 | 4,111 |
| Average equity | $8,638,000 | 4,400 |
| Average total loans | $47,261,500 | 4,199 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8206% | 4,535 |
| Cost of funding earning assets | 0.2989% | 4,731 |
| Net interest margin | 3.5217% | 3,376 |
| Noninterest income to average assets | 0.4488% | 3,015 |
| Noninterest expense to average assets | 2.3089% | 3,924 |
| Loan and lease loss provision to assets | 0.0651% | 2,724 |
| Net operating income to assets | 1.3261% | 1,594 |
| Return on assets (ROA) | 1.3261% | 1,672 |
| Pretax return on assets | 1.3396% | 2,362 |
| Return on Equity (ROE) | 14.0808% | 882 |
| Retained earnings to average equity (ytd only) | 4.4196% | 2,750 |
| Net charge-offs to loans | 0.1290% | 1,476 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 21.5862% | 1,882 |
| Efficiency ratio | 62.1752% | 3,347 |
| Assets per employee ($millions) | 6.5284% | 1,269 |
| Cash dividends to net income (ytd only)* | 68.6125% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6867% | 4,601 |
| Loan loss allowance to noncurrent loans | 137.7682% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.6773% | 1,899 |
| Noncurrent loans to loans | 0.4985% | 2,690 |
| Net loans and leases to total assets | 50.7900% | 4,291 |
| Net loans and leases to deposits | 56.6296% | 4,436 |
| Net loans and leases to core deposits | 56.6296% | 4,559 |
| Total domestic deposits to total assets | 89.6880% | 430 |
| Equity capital to assets | 9.2770% | 4,507 |
| Core capital (leverage) ratio | 9.3731% | 4,195 |
| Tier 1 risk-based capital ratio | 18.6762% | 1,593 |
| Total risk-based capital ratio | 19.3811% | 1,686 |
| Memoranda: | ||
| Average total assets | $89,134,000 | 4,158 |
| Average earning assets | $82,631,000 | 4,144 |
| Average equity | $8,394,400 | 4,460 |
| Average total loans | $44,958,600 | 4,282 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8574% | 4,596 |
| Cost of funding earning assets | 0.2887% | 4,821 |
| Net interest margin | 3.5687% | 3,338 |
| Noninterest income to average assets | 0.4351% | 3,105 |
| Noninterest expense to average assets | 2.3590% | 3,801 |
| Loan and lease loss provision to assets | 0.3267% | 425 |
| Net operating income to assets | 1.0508% | 2,784 |
| Return on assets (ROA) | 1.0508% | 2,873 |
| Pretax return on assets | 1.0613% | 3,406 |
| Return on Equity (ROE) | 11.1144% | 1,976 |
| Retained earnings to average equity (ytd only) | 7.7547% | 1,511 |
| Net charge-offs to loans | 0.1737% | 976 |
| Credit loss provision to net charge-offs | 374.1379% | 813 |
| Earnings coverage of net charge-offs (x) | 15.8968% | 2,160 |
| Efficiency ratio | 62.9570% | 3,171 |
| Assets per employee ($millions) | 6.3746% | 1,347 |
| Cash dividends to net income (ytd only)* | 30.2297% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 3,170 |
| Loan loss allowance to noncurrent loans | 173.9130% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.7395% | 1,861 |
| Noncurrent loans to loans | 0.6160% | 2,433 |
| Net loans and leases to total assets | 49.6650% | 4,445 |
| Net loans and leases to deposits | 55.6528% | 4,564 |
| Net loans and leases to core deposits | 55.8674% | 4,690 |
| Total domestic deposits to total assets | 89.2407% | 539 |
| Equity capital to assets | 9.6320% | 4,353 |
| Core capital (leverage) ratio | 9.6575% | 4,015 |
| Tier 1 risk-based capital ratio | 19.6408% | 1,431 |
| Total risk-based capital ratio | 20.7376% | 1,432 |
| Memoranda: | ||
| Average total assets | $88,568,000 | 4,221 |
| Average earning assets | $82,194,000 | 4,204 |
| Average equity | $8,373,250 | 4,515 |
| Average total loans | $44,512,750 | 4,348 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8366% | 4,656 |
| Cost of funding earning assets | 0.2733% | 4,892 |
| Net interest margin | 3.5633% | 3,390 |
| Noninterest income to average assets | 0.4301% | 3,066 |
| Noninterest expense to average assets | 2.3794% | 3,791 |
| Loan and lease loss provision to assets | 0.2966% | 468 |
| Net operating income to assets | 1.0482% | 2,732 |
| Return on assets (ROA) | 1.0482% | 2,805 |
| Pretax return on assets | 1.0595% | 3,353 |
| Return on Equity (ROE) | 11.1580% | 1,916 |
| Retained earnings to average equity (ytd only) | 7.5190% | 1,586 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6970% | 3,180 |
| Assets per employee ($millions) | 6.2440% | 1,370 |
| Cash dividends to net income (ytd only)* | 32.6134% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0143% | 3,535 |
| Loan loss allowance to noncurrent loans | 129.3948% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.8500% | 1,662 |
| Noncurrent loans to loans | 0.7839% | 2,026 |
| Net loans and leases to total assets | 50.1235% | 4,460 |
| Net loans and leases to deposits | 56.1700% | 4,584 |
| Net loans and leases to core deposits | 56.3912% | 4,702 |
| Total domestic deposits to total assets | 89.2354% | 578 |
| Equity capital to assets | 9.6332% | 4,288 |
| Core capital (leverage) ratio | 9.5005% | 4,143 |
| Tier 1 risk-based capital ratio | 19.2828% | 1,489 |
| Total risk-based capital ratio | 20.3110% | 1,502 |
| Memoranda: | ||
| Average total assets | $88,342,670 | 4,247 |
| Average earning assets | $81,946,670 | 4,236 |
| Average equity | $8,299,000 | 4,541 |
| Average total loans | $44,416,000 | 4,377 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8611% | 4,617 |
| Cost of funding earning assets | 0.2428% | 5,000 |
| Net interest margin | 3.6182% | 3,190 |
| Noninterest income to average assets | 0.4099% | 3,115 |
| Noninterest expense to average assets | 2.3377% | 3,931 |
| Loan and lease loss provision to assets | 0.2522% | 576 |
| Net operating income to assets | 1.1666% | 2,192 |
| Return on assets (ROA) | 1.1666% | 2,243 |
| Pretax return on assets | 1.1756% | 2,894 |
| Return on Equity (ROE) | 12.5759% | 1,362 |
| Retained earnings to average equity (ytd only) | 12.5759% | 530 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0813% | 3,523 |
| Assets per employee ($millions) | 5.5293% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8496% | 4,347 |
| Loan loss allowance to noncurrent loans | 422.4719% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.5539% | 2,431 |
| Noncurrent loans to loans | 0.2011% | 3,871 |
| Net loans and leases to total assets | 49.6010% | 4,494 |
| Net loans and leases to deposits | 55.4613% | 4,629 |
| Net loans and leases to core deposits | 55.6760% | 4,729 |
| Total domestic deposits to total assets | 89.4335% | 673 |
| Equity capital to assets | 9.4577% | 4,298 |
| Core capital (leverage) ratio | 9.4797% | 4,155 |
| Tier 1 risk-based capital ratio | 19.1939% | 1,504 |
| Total risk-based capital ratio | 20.0564% | 1,548 |
| Memoranda: | ||
| Average total assets | $88,806,000 | 4,283 |
| Average earning assets | $82,360,500 | 4,274 |
| Average equity | $8,238,000 | 4,583 |
| Average total loans | $44,491,500 | 4,423 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7366% | 4,611 |
| Cost of funding earning assets | 0.1945% | 5,028 |
| Net interest margin | 3.5421% | 3,569 |
| Noninterest income to average assets | 0.4834% | 2,924 |
| Noninterest expense to average assets | 2.3950% | 3,892 |
| Loan and lease loss provision to assets | 0.3481% | 443 |
| Net operating income to assets | 0.9946% | 3,032 |
| Return on assets (ROA) | 0.9946% | 3,027 |
| Pretax return on assets | 1.0050% | 3,579 |
| Return on Equity (ROE) | 10.5773% | 2,258 |
| Retained earnings to average equity (ytd only) | 2.5213% | 4,137 |
| Net charge-offs to loans | 0.6936% | 232 |
| Credit loss provision to net charge-offs | 94.6541% | 2,648 |
| Earnings coverage of net charge-offs (x) | 3.6792% | 3,386 |
| Efficiency ratio | 63.9000% | 3,207 |
| Assets per employee ($millions) | 5.5715% | 1,893 |
| Cash dividends to net income (ytd only)* | 76.1628% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7155% | 4,771 |
| Loan loss allowance to noncurrent loans | 351.6484% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.7583% | 1,841 |
| Noncurrent loans to loans | 0.2035% | 3,852 |
| Net loans and leases to total assets | 49.8138% | 4,535 |
| Net loans and leases to deposits | 55.4424% | 4,686 |
| Net loans and leases to core deposits | 55.6543% | 4,791 |
| Total domestic deposits to total assets | 89.8479% | 527 |
| Equity capital to assets | 9.0965% | 4,491 |
| Core capital (leverage) ratio | 9.4382% | 4,189 |
| Tier 1 risk-based capital ratio | 18.3682% | 1,653 |
| Total risk-based capital ratio | 19.0930% | 1,758 |
| Memoranda: | ||
| Average total assets | $86,470,800 | 4,321 |
| Average earning assets | $79,697,400 | 4,319 |
| Average equity | $8,130,600 | 4,588 |
| Average total loans | $45,848,000 | 4,407 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7433% | 4,559 |
| Cost of funding earning assets | 0.1959% | 5,032 |
| Net interest margin | 3.5474% | 3,527 |
| Noninterest income to average assets | 0.4770% | 3,002 |
| Noninterest expense to average assets | 2.4226% | 3,798 |
| Loan and lease loss provision to assets | 0.2983% | 495 |
| Net operating income to assets | 1.0101% | 3,042 |
| Return on assets (ROA) | 1.0101% | 3,053 |
| Pretax return on assets | 1.0209% | 3,657 |
| Return on Equity (ROE) | 10.6520% | 2,326 |
| Retained earnings to average equity (ytd only) | 7.2925% | 1,977 |
| Net charge-offs to loans | 0.0145% | 2,906 |
| Credit loss provision to net charge-offs | 3,840.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 169.7106% | 489 |
| Efficiency ratio | 64.7425% | 3,065 |
| Assets per employee ($millions) | 5.3443% | 2,079 |
| Cash dividends to net income (ytd only)* | 31.5387% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 2,867 |
| Loan loss allowance to noncurrent loans | 144.6281% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 1.1098% | 1,292 |
| Noncurrent loans to loans | 0.7998% | 2,110 |
| Net loans and leases to total assets | 52.4629% | 4,461 |
| Net loans and leases to deposits | 58.9085% | 4,601 |
| Net loans and leases to core deposits | 59.1438% | 4,738 |
| Total domestic deposits to total assets | 89.0583% | 829 |
| Equity capital to assets | 9.7617% | 3,857 |
| Core capital (leverage) ratio | 9.7289% | 3,919 |
| Tier 1 risk-based capital ratio | 18.9301% | 1,554 |
| Total risk-based capital ratio | 20.1206% | 1,538 |
| Memoranda: | ||
| Average total assets | $85,802,500 | 4,376 |
| Average earning assets | $78,966,500 | 4,378 |
| Average equity | $8,136,000 | 4,632 |
| Average total loans | $46,128,500 | 4,441 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6744% | 4,640 |
| Cost of funding earning assets | 0.1925% | 5,063 |
| Net interest margin | 3.4819% | 3,697 |
| Noninterest income to average assets | 0.4680% | 3,046 |
| Noninterest expense to average assets | 2.4237% | 3,842 |
| Loan and lease loss provision to assets | 0.2701% | 557 |
| Net operating income to assets | 0.9639% | 3,174 |
| Return on assets (ROA) | 0.9639% | 3,174 |
| Pretax return on assets | 0.9755% | 3,731 |
| Return on Equity (ROE) | 10.2657% | 2,440 |
| Retained earnings to average equity (ytd only) | 6.6702% | 2,221 |
| Net charge-offs to loans | 0.0086% | 2,819 |
| Credit loss provision to net charge-offs | 5,800.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 267.5000% | 339 |
| Efficiency ratio | 66.0533% | 2,968 |
| Assets per employee ($millions) | 5.3676% | 2,025 |
| Cash dividends to net income (ytd only)* | 35.0242% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9735% | 3,993 |
| Loan loss allowance to noncurrent loans | 36.3052% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 2.1052% | 490 |
| Noncurrent loans to loans | 2.6813% | 456 |
| Net loans and leases to total assets | 53.5392% | 4,373 |
| Net loans and leases to deposits | 59.9283% | 4,533 |
| Net loans and leases to core deposits | 60.1659% | 4,696 |
| Total domestic deposits to total assets | 89.3387% | 796 |
| Equity capital to assets | 9.5143% | 4,083 |
| Core capital (leverage) ratio | 9.4525% | 4,176 |
| Tier 1 risk-based capital ratio | 18.0947% | 1,775 |
| Total risk-based capital ratio | 19.0954% | 1,808 |
| Memoranda: | ||
| Average total assets | $85,900,670 | 4,416 |
| Average earning assets | $78,979,000 | 4,422 |
| Average equity | $8,065,670 | 4,684 |
| Average total loans | $46,376,330 | 4,475 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6519% | 4,587 |
| Cost of funding earning assets | 0.1927% | 5,056 |
| Net interest margin | 3.4592% | 3,675 |
| Noninterest income to average assets | 0.4609% | 3,051 |
| Noninterest expense to average assets | 2.3978% | 3,953 |
| Loan and lease loss provision to assets | 0.1769% | 981 |
| Net operating income to assets | 1.0476% | 2,657 |
| Return on assets (ROA) | 1.0476% | 2,672 |
| Pretax return on assets | 1.0616% | 3,307 |
| Return on Equity (ROE) | 11.2317% | 1,875 |
| Retained earnings to average equity (ytd only) | 11.2317% | 840 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9411% | 3,165 |
| Assets per employee ($millions) | 5.4529% | 1,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8099% | 4,765 |
| Loan loss allowance to noncurrent loans | 783.3333% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.9811% | 1,599 |
| Noncurrent loans to loans | 0.1034% | 4,508 |
| Net loans and leases to total assets | 52.7789% | 4,383 |
| Net loans and leases to deposits | 58.9362% | 4,543 |
| Net loans and leases to core deposits | 59.1648% | 4,692 |
| Total domestic deposits to total assets | 89.5526% | 858 |
| Equity capital to assets | 9.3126% | 4,259 |
| Core capital (leverage) ratio | 9.4968% | 4,073 |
| Tier 1 risk-based capital ratio | 18.0472% | 1,826 |
| Total risk-based capital ratio | 18.8818% | 1,889 |
| Memoranda: | ||
| Average total assets | $85,910,500 | 4,458 |
| Average earning assets | $78,862,500 | 4,470 |
| Average equity | $8,013,000 | 4,744 |
| Average total loans | $46,348,500 | 4,525 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5635% | 4,654 |
| Cost of funding earning assets | 0.1939% | 4,996 |
| Net interest margin | 3.3696% | 3,936 |
| Noninterest income to average assets | 0.4781% | 3,140 |
| Noninterest expense to average assets | 2.4038% | 4,068 |
| Loan and lease loss provision to assets | 0.0608% | 3,018 |
| Net operating income to assets | 1.1101% | 1,826 |
| Return on assets (ROA) | 1.1101% | 1,849 |
| Pretax return on assets | 1.1220% | 3,103 |
| Return on Equity (ROE) | 11.5328% | 1,333 |
| Retained earnings to average equity (ytd only) | 0.0743% | 4,974 |
| Net charge-offs to loans | 0.1616% | 1,508 |
| Credit loss provision to net charge-offs | 69.8630% | 3,088 |
| Earnings coverage of net charge-offs (x) | 13.5890% | 2,384 |
| Efficiency ratio | 67.0213% | 3,075 |
| Assets per employee ($millions) | 5.2859% | 2,165 |
| Cash dividends to net income (ytd only)* | 99.3555% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7304% | 5,007 |
| Loan loss allowance to noncurrent loans | 504.4776% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 1.0346% | 1,480 |
| Noncurrent loans to loans | 0.1448% | 4,343 |
| Net loans and leases to total assets | 54.3134% | 4,336 |
| Net loans and leases to deposits | 60.6755% | 4,522 |
| Net loans and leases to core deposits | 61.2426% | 4,699 |
| Total domestic deposits to total assets | 89.5145% | 764 |
| Equity capital to assets | 9.3421% | 4,389 |
| Core capital (leverage) ratio | 9.2467% | 4,352 |
| Tier 1 risk-based capital ratio | 17.6972% | 1,889 |
| Total risk-based capital ratio | 18.4539% | 1,983 |
| Memoranda: | ||
| Average total assets | $83,868,400 | 4,515 |
| Average earning assets | $77,367,600 | 4,512 |
| Average equity | $8,072,600 | 4,777 |
| Average total loans | $45,165,400 | 4,587 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5347% | 4,727 |
| Cost of funding earning assets | 0.1931% | 5,030 |
| Net interest margin | 3.3416% | 4,040 |
| Noninterest income to average assets | 0.4429% | 3,383 |
| Noninterest expense to average assets | 2.3658% | 4,102 |
| Loan and lease loss provision to assets | 0.0844% | 2,404 |
| Net operating income to assets | 1.0706% | 2,226 |
| Return on assets (ROA) | 1.0706% | 2,274 |
| Pretax return on assets | 1.0801% | 3,382 |
| Return on Equity (ROE) | 11.0404% | 1,684 |
| Retained earnings to average equity (ytd only) | 6.8674% | 1,762 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0126% | 3,048 |
| Assets per employee ($millions) | 5.2852% | 2,135 |
| Cash dividends to net income (ytd only)* | 37.7977% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9189% | 4,473 |
| Loan loss allowance to noncurrent loans | 225.6831% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 1.2748% | 1,267 |
| Noncurrent loans to loans | 0.4072% | 3,480 |
| Net loans and leases to total assets | 52.6601% | 4,527 |
| Net loans and leases to deposits | 59.1672% | 4,676 |
| Net loans and leases to core deposits | 59.4040% | 4,845 |
| Total domestic deposits to total assets | 89.0023% | 893 |
| Equity capital to assets | 9.8317% | 4,104 |
| Core capital (leverage) ratio | 9.8250% | 3,790 |
| Tier 1 risk-based capital ratio | 18.7753% | 1,651 |
| Total risk-based capital ratio | 19.7075% | 1,695 |
| Memoranda: | ||
| Average total assets | $83,692,000 | 4,566 |
| Average earning assets | $77,325,750 | 4,558 |
| Average equity | $8,115,500 | 4,823 |
| Average total loans | $44,888,500 | 4,639 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4455% | 4,892 |
| Cost of funding earning assets | 0.1943% | 5,035 |
| Net interest margin | 3.2512% | 4,262 |
| Noninterest income to average assets | 0.4388% | 3,430 |
| Noninterest expense to average assets | 2.3717% | 4,143 |
| Loan and lease loss provision to assets | 0.0671% | 2,624 |
| Net operating income to assets | 1.0000% | 2,427 |
| Return on assets (ROA) | 1.0000% | 2,468 |
| Pretax return on assets | 1.0096% | 3,530 |
| Return on Equity (ROE) | 10.3611% | 1,891 |
| Retained earnings to average equity (ytd only) | 6.6341% | 1,779 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7761% | 2,874 |
| Assets per employee ($millions) | 5.2714% | 2,087 |
| Cash dividends to net income (ytd only)* | 35.9712% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8668% | 4,763 |
| Loan loss allowance to noncurrent loans | 57.4815% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 1.1939% | 1,423 |
| Noncurrent loans to loans | 1.5080% | 1,246 |
| Net loans and leases to total assets | 52.6114% | 4,517 |
| Net loans and leases to deposits | 59.0119% | 4,700 |
| Net loans and leases to core deposits | 59.2483% | 4,867 |
| Total domestic deposits to total assets | 89.1538% | 882 |
| Equity capital to assets | 9.6772% | 4,252 |
| Core capital (leverage) ratio | 9.7951% | 3,784 |
| Tier 1 risk-based capital ratio | 18.7578% | 1,650 |
| Total risk-based capital ratio | 19.6467% | 1,707 |
| Memoranda: | ||
| Average total assets | $83,401,670 | 4,600 |
| Average earning assets | $77,201,670 | 4,583 |
| Average equity | $8,049,330 | 4,855 |
| Average total loans | $44,870,000 | 4,665 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4467% | 4,835 |
| Cost of funding earning assets | 0.1929% | 5,037 |
| Net interest margin | 3.2538% | 4,154 |
| Noninterest income to average assets | 0.4341% | 3,422 |
| Noninterest expense to average assets | 2.4454% | 3,979 |
| Loan and lease loss provision to assets | 0.0531% | 2,749 |
| Net operating income to assets | 0.9357% | 2,578 |
| Return on assets (ROA) | 0.9357% | 2,638 |
| Pretax return on assets | 0.9454% | 3,606 |
| Return on Equity (ROE) | 9.7085% | 2,096 |
| Retained earnings to average equity (ytd only) | 9.7085% | 880 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0084% | 2,733 |
| Assets per employee ($millions) | 5.2053% | 2,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8414% | 4,953 |
| Loan loss allowance to noncurrent loans | 237.8205% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.5859% | 2,892 |
| Noncurrent loans to loans | 0.3538% | 3,828 |
| Net loans and leases to total assets | 52.4992% | 4,472 |
| Net loans and leases to deposits | 58.9090% | 4,638 |
| Net loans and leases to core deposits | 59.3520% | 4,813 |
| Total domestic deposits to total assets | 89.1193% | 1,097 |
| Equity capital to assets | 9.7136% | 4,051 |
| Core capital (leverage) ratio | 9.7293% | 3,836 |
| Tier 1 risk-based capital ratio | 19.0120% | 1,613 |
| Total risk-based capital ratio | 19.8839% | 1,667 |
| Memoranda: | ||
| Average total assets | $82,931,000 | 4,661 |
| Average earning assets | $76,710,500 | 4,638 |
| Average equity | $7,993,000 | 4,897 |
| Average total loans | $44,924,000 | 4,705 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3512% | 5,075 |
| Cost of funding earning assets | 0.2314% | 4,725 |
| Net interest margin | 3.1198% | 4,672 |
| Noninterest income to average assets | 0.4605% | 3,480 |
| Noninterest expense to average assets | 2.3783% | 4,352 |
| Loan and lease loss provision to assets | 0.0601% | 3,175 |
| Net operating income to assets | 0.8982% | 2,833 |
| Return on assets (ROA) | 0.8982% | 2,954 |
| Pretax return on assets | 0.9078% | 3,826 |
| Return on Equity (ROE) | 9.4083% | 2,228 |
| Retained earnings to average equity (ytd only) | 1.5869% | 4,623 |
| Net charge-offs to loans | 0.1142% | 2,120 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 16.1000% | 2,140 |
| Efficiency ratio | 71.0744% | 2,733 |
| Assets per employee ($millions) | 5.1611% | 2,225 |
| Cash dividends to net income (ytd only)* | 83.1325% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7868% | 5,144 |
| Loan loss allowance to noncurrent loans | 117.6471% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 0.7726% | 2,418 |
| Noncurrent loans to loans | 0.6688% | 2,857 |
| Net loans and leases to total assets | 54.9705% | 4,351 |
| Net loans and leases to deposits | 61.5423% | 4,575 |
| Net loans and leases to core deposits | 61.7550% | 4,762 |
| Total domestic deposits to total assets | 89.3215% | 941 |
| Equity capital to assets | 9.5620% | 4,207 |
| Core capital (leverage) ratio | 9.5808% | 3,992 |
| Tier 1 risk-based capital ratio | 18.0985% | 1,826 |
| Total risk-based capital ratio | 18.9234% | 1,918 |
| Memoranda: | ||
| Average total assets | $83,167,200 | 4,663 |
| Average earning assets | $76,928,600 | 4,652 |
| Average equity | $7,939,800 | 4,943 |
| Average total loans | $43,781,800 | 4,761 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3175% | 5,187 |
| Cost of funding earning assets | 0.2388% | 4,718 |
| Net interest margin | 3.0787% | 4,832 |
| Noninterest income to average assets | 0.4449% | 3,594 |
| Noninterest expense to average assets | 2.4005% | 4,279 |
| Loan and lease loss provision to assets | 0.0848% | 2,524 |
| Net operating income to assets | 0.7986% | 3,369 |
| Return on assets (ROA) | 0.7986% | 3,510 |
| Pretax return on assets | 0.8066% | 4,288 |
| Return on Equity (ROE) | 8.3680% | 2,822 |
| Retained earnings to average equity (ytd only) | 5.5004% | 2,481 |
| Net charge-offs to loans | 0.0462% | 2,723 |
| Credit loss provision to net charge-offs | 353.3333% | 923 |
| Earnings coverage of net charge-offs (x) | 37.1325% | 1,294 |
| Efficiency ratio | 72.9217% | 2,446 |
| Assets per employee ($millions) | 5.0961% | 2,261 |
| Cash dividends to net income (ytd only)* | 34.2677% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8810% | 4,930 |
| Loan loss allowance to noncurrent loans | 168.6441% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.7702% | 2,623 |
| Noncurrent loans to loans | 0.5224% | 3,433 |
| Net loans and leases to total assets | 54.9143% | 4,412 |
| Net loans and leases to deposits | 61.8129% | 4,638 |
| Net loans and leases to core deposits | 62.3317% | 4,810 |
| Total domestic deposits to total assets | 88.8396% | 991 |
| Equity capital to assets | 9.9352% | 4,199 |
| Core capital (leverage) ratio | 9.9112% | 3,677 |
| Tier 1 risk-based capital ratio | 18.7217% | 1,730 |
| Total risk-based capital ratio | 19.6417% | 1,776 |
| Memoranda: | ||
| Average total assets | $83,314,750 | 4,699 |
| Average earning assets | $77,044,250 | 4,685 |
| Average equity | $7,950,750 | 4,990 |
| Average total loans | $43,289,000 | 4,813 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2896% | 5,305 |
| Cost of funding earning assets | 0.2449% | 4,709 |
| Net interest margin | 3.0447% | 4,987 |
| Noninterest income to average assets | 0.4290% | 3,668 |
| Noninterest expense to average assets | 2.3669% | 4,437 |
| Loan and lease loss provision to assets | 0.0834% | 2,472 |
| Net operating income to assets | 0.7866% | 3,376 |
| Return on assets (ROA) | 0.7866% | 3,522 |
| Pretax return on assets | 0.7937% | 4,310 |
| Return on Equity (ROE) | 8.3537% | 2,814 |
| Retained earnings to average equity (ytd only) | 5.4679% | 2,442 |
| Net charge-offs to loans | 0.0703% | 2,184 |
| Credit loss provision to net charge-offs | 233.3333% | 1,163 |
| Earnings coverage of net charge-offs (x) | 24.5333% | 1,541 |
| Efficiency ratio | 72.9611% | 2,527 |
| Assets per employee ($millions) | 5.0836% | 2,217 |
| Cash dividends to net income (ytd only)* | 34.5455% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8705% | 5,053 |
| Loan loss allowance to noncurrent loans | 195.3846% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.7217% | 2,811 |
| Noncurrent loans to loans | 0.4455% | 3,768 |
| Net loans and leases to total assets | 53.3416% | 4,565 |
| Net loans and leases to deposits | 59.9392% | 4,805 |
| Net loans and leases to core deposits | 60.4427% | 4,961 |
| Total domestic deposits to total assets | 88.9928% | 921 |
| Equity capital to assets | 9.8244% | 4,417 |
| Core capital (leverage) ratio | 9.2957% | 4,463 |
| Tier 1 risk-based capital ratio | 19.0876% | 1,673 |
| Total risk-based capital ratio | 19.9981% | 1,708 |
| Memoranda: | ||
| Average total assets | $83,907,000 | 4,723 |
| Average earning assets | $77,578,670 | 4,710 |
| Average equity | $7,900,670 | 5,042 |
| Average total loans | $42,660,670 | 4,873 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2341% | 5,437 |
| Cost of funding earning assets | 0.2488% | 4,720 |
| Net interest margin | 2.9853% | 5,152 |
| Noninterest income to average assets | 0.4085% | 3,763 |
| Noninterest expense to average assets | 2.2960% | 4,673 |
| Loan and lease loss provision to assets | 0.0751% | 2,457 |
| Net operating income to assets | 0.7888% | 3,304 |
| Return on assets (ROA) | 0.7888% | 3,407 |
| Pretax return on assets | 0.7982% | 4,201 |
| Return on Equity (ROE) | 8.5545% | 2,631 |
| Retained earnings to average equity (ytd only) | 8.5545% | 1,245 |
| Net charge-offs to loans | 0.1710% | 1,112 |
| Credit loss provision to net charge-offs | 88.8889% | 1,771 |
| Earnings coverage of net charge-offs (x) | 10.3333% | 1,929 |
| Efficiency ratio | 72.4444% | 2,731 |
| Assets per employee ($millions) | 5.3036% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8544% | 5,207 |
| Loan loss allowance to noncurrent loans | 173.7864% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.7283% | 2,893 |
| Noncurrent loans to loans | 0.4916% | 3,704 |
| Net loans and leases to total assets | 48.9547% | 4,895 |
| Net loans and leases to deposits | 54.6778% | 5,063 |
| Net loans and leases to core deposits | 55.4833% | 5,164 |
| Total domestic deposits to total assets | 89.5331% | 820 |
| Equity capital to assets | 9.3615% | 4,824 |
| Core capital (leverage) ratio | 9.4519% | 4,273 |
| Tier 1 risk-based capital ratio | 19.7684% | 1,555 |
| Total risk-based capital ratio | 20.6599% | 1,600 |
| Memoranda: | ||
| Average total assets | $85,191,500 | 4,745 |
| Average earning assets | $78,785,000 | 4,731 |
| Average equity | $7,855,500 | 5,083 |
| Average total loans | $42,107,000 | 4,932 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2140% | 5,502 |
| Cost of funding earning assets | 0.2919% | 4,345 |
| Net interest margin | 2.9220% | 5,294 |
| Noninterest income to average assets | 0.4121% | 3,940 |
| Noninterest expense to average assets | 2.2644% | 4,892 |
| Loan and lease loss provision to assets | 0.0831% | 2,631 |
| Net operating income to assets | 0.7634% | 3,511 |
| Return on assets (ROA) | 0.7634% | 3,596 |
| Pretax return on assets | 0.7716% | 4,292 |
| Return on Equity (ROE) | 8.4140% | 2,755 |
| Retained earnings to average equity (ytd only) | 2.3358% | 4,395 |
| Net charge-offs to loans | 0.1613% | 1,762 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 10.2817% | 2,705 |
| Efficiency ratio | 72.5976% | 2,814 |
| Assets per employee ($millions) | 5.0309% | 2,335 |
| Cash dividends to net income (ytd only)* | 72.2393% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8508% | 5,266 |
| Loan loss allowance to noncurrent loans | 209.3023% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.7471% | 2,815 |
| Noncurrent loans to loans | 0.4065% | 4,000 |
| Net loans and leases to total assets | 49.0547% | 4,940 |
| Net loans and leases to deposits | 54.5842% | 5,128 |
| Net loans and leases to core deposits | 55.1243% | 5,247 |
| Total domestic deposits to total assets | 89.8696% | 685 |
| Equity capital to assets | 9.0816% | 5,035 |
| Core capital (leverage) ratio | 9.1026% | 4,751 |
| Tier 1 risk-based capital ratio | 19.2375% | 1,647 |
| Total risk-based capital ratio | 20.1287% | 1,694 |
| Memoranda: | ||
| Average total assets | $85,410,600 | 4,757 |
| Average earning assets | $79,123,400 | 4,739 |
| Average equity | $7,749,000 | 5,096 |
| Average total loans | $44,030,800 | 4,856 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2070% | 5,573 |
| Cost of funding earning assets | 0.2983% | 4,360 |
| Net interest margin | 2.9088% | 5,396 |
| Noninterest income to average assets | 0.4044% | 4,055 |
| Noninterest expense to average assets | 2.2159% | 5,011 |
| Loan and lease loss provision to assets | 0.0640% | 2,904 |
| Net operating income to assets | 0.8105% | 3,382 |
| Return on assets (ROA) | 0.8105% | 3,478 |
| Pretax return on assets | 0.8198% | 4,276 |
| Return on Equity (ROE) | 8.9351% | 2,607 |
| Retained earnings to average equity (ytd only) | 5.9912% | 2,255 |
| Net charge-offs to loans | 0.0510% | 2,882 |
| Credit loss provision to net charge-offs | 241.1765% | 1,168 |
| Earnings coverage of net charge-offs (x) | 33.2885% | 1,396 |
| Efficiency ratio | 71.4861% | 2,960 |
| Assets per employee ($millions) | 6.1002% | 1,296 |
| Cash dividends to net income (ytd only)* | 32.9475% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8838% | 5,263 |
| Loan loss allowance to noncurrent loans | 180.2817% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.8278% | 2,804 |
| Noncurrent loans to loans | 0.4902% | 3,880 |
| Net loans and leases to total assets | 50.4245% | 4,899 |
| Net loans and leases to deposits | 56.2781% | 5,104 |
| Net loans and leases to core deposits | 56.2781% | 5,295 |
| Total domestic deposits to total assets | 89.5987% | 733 |
| Equity capital to assets | 9.2772% | 5,026 |
| Core capital (leverage) ratio | 9.2036% | 4,721 |
| Tier 1 risk-based capital ratio | 18.9048% | 1,798 |
| Total risk-based capital ratio | 19.8195% | 1,847 |
| Memoranda: | ||
| Average total assets | $85,382,000 | 4,813 |
| Average earning assets | $79,115,750 | 4,796 |
| Average equity | $7,744,500 | 5,166 |
| Average total loans | $44,460,000 | 4,899 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1335% | 5,700 |
| Cost of funding earning assets | 0.3007% | 4,392 |
| Net interest margin | 2.8328% | 5,549 |
| Noninterest income to average assets | 0.3912% | 4,145 |
| Noninterest expense to average assets | 2.1997% | 5,117 |
| Loan and lease loss provision to assets | 0.0328% | 3,466 |
| Net operating income to assets | 0.7754% | 3,510 |
| Return on assets (ROA) | 0.7754% | 3,617 |
| Pretax return on assets | 0.7848% | 4,371 |
| Return on Equity (ROE) | 8.6142% | 2,744 |
| Retained earnings to average equity (ytd only) | 5.7254% | 2,397 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9037% | 2,856 |
| Assets per employee ($millions) | 6.1288% | 1,259 |
| Cash dividends to net income (ytd only)* | 33.5347% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8434% | 5,488 |
| Loan loss allowance to noncurrent loans | 96.3918% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 0.9475% | 2,639 |
| Noncurrent loans to loans | 0.8750% | 2,941 |
| Net loans and leases to total assets | 51.2441% | 4,823 |
| Net loans and leases to deposits | 56.9982% | 5,063 |
| Net loans and leases to core deposits | 56.9982% | 5,257 |
| Total domestic deposits to total assets | 89.9048% | 701 |
| Equity capital to assets | 9.0207% | 5,218 |
| Core capital (leverage) ratio | 8.9859% | 4,991 |
| Tier 1 risk-based capital ratio | 18.3558% | 1,965 |
| Total risk-based capital ratio | 19.2350% | 2,024 |
| Memoranda: | ||
| Average total assets | $85,375,000 | 4,867 |
| Average earning assets | $79,145,670 | 4,845 |
| Average equity | $7,685,000 | 5,224 |
| Average total loans | $44,797,330 | 4,922 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0796% | 5,804 |
| Cost of funding earning assets | 0.3044% | 4,395 |
| Net interest margin | 2.7752% | 5,695 |
| Noninterest income to average assets | 0.3711% | 4,237 |
| Noninterest expense to average assets | 2.2029% | 5,137 |
| Loan and lease loss provision to assets | 0.0282% | 3,313 |
| Net operating income to assets | 0.6999% | 3,800 |
| Return on assets (ROA) | 0.6999% | 3,927 |
| Pretax return on assets | 0.7092% | 4,565 |
| Return on Equity (ROE) | 7.7832% | 3,079 |
| Retained earnings to average equity (ytd only) | 7.7832% | 1,652 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9201% | 2,661 |
| Assets per employee ($millions) | 6.4025% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8306% | 5,620 |
| Loan loss allowance to noncurrent loans | 114.3750% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.8311% | 3,011 |
| Noncurrent loans to loans | 0.7262% | 3,442 |
| Net loans and leases to total assets | 48.7499% | 4,957 |
| Net loans and leases to deposits | 53.9449% | 5,193 |
| Net loans and leases to core deposits | 53.9449% | 5,371 |
| Total domestic deposits to total assets | 90.3698% | 576 |
| Equity capital to assets | 8.6317% | 5,629 |
| Core capital (leverage) ratio | 9.1305% | 4,810 |
| Tier 1 risk-based capital ratio | 18.9725% | 1,880 |
| Total risk-based capital ratio | 19.8700% | 1,922 |
| Memoranda: | ||
| Average total assets | $85,161,000 | 4,915 |
| Average earning assets | $78,841,000 | 4,895 |
| Average equity | $7,657,500 | 5,270 |
| Average total loans | $45,024,500 | 4,949 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4206% | 5,493 |
| Cost of funding earning assets | 0.3757% | 3,963 |
| Net interest margin | 3.0449% | 5,336 |
| Noninterest income to average assets | 0.4478% | 3,846 |
| Noninterest expense to average assets | 2.4662% | 4,647 |
| Loan and lease loss provision to assets | 0.0274% | 4,056 |
| Net operating income to assets | 0.7759% | 3,490 |
| Return on assets (ROA) | 0.7759% | 3,583 |
| Pretax return on assets | 0.7847% | 4,313 |
| Return on Equity (ROE) | 8.2388% | 2,997 |
| Retained earnings to average equity (ytd only) | 2.4107% | 4,516 |
| Net charge-offs to loans | 0.0479% | 3,867 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 29.5909% | 1,353 |
| Efficiency ratio | 75.2283% | 2,632 |
| Assets per employee ($millions) | 5.3791% | 1,880 |
| Cash dividends to net income (ytd only)* | 70.7395% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7828% | 5,820 |
| Loan loss allowance to noncurrent loans | 107.4627% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.9419% | 2,860 |
| Noncurrent loans to loans | 0.7285% | 3,501 |
| Net loans and leases to total assets | 56.5469% | 4,255 |
| Net loans and leases to deposits | 63.1371% | 4,617 |
| Net loans and leases to core deposits | 63.4108% | 4,880 |
| Total domestic deposits to total assets | 89.5621% | 938 |
| Equity capital to assets | 9.3918% | 4,855 |
| Core capital (leverage) ratio | 9.5015% | 4,234 |
| Tier 1 risk-based capital ratio | 18.2113% | 2,078 |
| Total risk-based capital ratio | 19.0752% | 2,163 |
| Memoranda: | ||
| Average total assets | $80,162,800 | 5,057 |
| Average earning assets | $74,519,000 | 5,029 |
| Average equity | $7,549,600 | 5,299 |
| Average total loans | $45,920,800 | 4,959 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4244% | 5,548 |
| Cost of funding earning assets | 0.3825% | 3,990 |
| Net interest margin | 3.0419% | 5,399 |
| Noninterest income to average assets | 0.4298% | 4,025 |
| Noninterest expense to average assets | 2.4690% | 4,620 |
| Loan and lease loss provision to assets | 0.0233% | 3,941 |
| Net operating income to assets | 0.7630% | 3,611 |
| Return on assets (ROA) | 0.7630% | 3,703 |
| Pretax return on assets | 0.7730% | 4,461 |
| Return on Equity (ROE) | 8.0961% | 3,154 |
| Retained earnings to average equity (ytd only) | 5.3562% | 2,844 |
| Net charge-offs to loans | 0.0087% | 4,415 |
| Credit loss provision to net charge-offs | 466.6667% | 612 |
| Earnings coverage of net charge-offs (x) | 159.3300% | 390 |
| Efficiency ratio | 75.6122% | 2,558 |
| Assets per employee ($millions) | 4.6079% | 2,799 |
| Cash dividends to net income (ytd only)* | 33.8426% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8022% | 5,865 |
| Loan loss allowance to noncurrent loans | 32.5724% | 5,652 |
| Noncurrent assets plus other real estate owned to assets | 1.9966% | 1,442 |
| Noncurrent loans to loans | 2.4628% | 1,199 |
| Net loans and leases to total assets | 58.5651% | 3,992 |
| Net loans and leases to deposits | 65.7857% | 4,355 |
| Net loans and leases to core deposits | 66.0804% | 4,699 |
| Total domestic deposits to total assets | 89.0241% | 1,224 |
| Equity capital to assets | 9.8206% | 4,396 |
| Core capital (leverage) ratio | 9.6548% | 4,144 |
| Tier 1 risk-based capital ratio | 18.3805% | 2,093 |
| Total risk-based capital ratio | 19.2649% | 2,163 |
| Memoranda: | ||
| Average total assets | $80,031,750 | 5,124 |
| Average earning assets | $74,600,000 | 5,085 |
| Average equity | $7,542,500 | 5,346 |
| Average total loans | $45,904,500 | 5,001 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3706% | 5,675 |
| Cost of funding earning assets | 0.3845% | 4,052 |
| Net interest margin | 2.9861% | 5,566 |
| Noninterest income to average assets | 0.4243% | 4,057 |
| Noninterest expense to average assets | 2.4715% | 4,662 |
| Loan and lease loss provision to assets | 0.0223% | 3,833 |
| Net operating income to assets | 0.7147% | 3,761 |
| Return on assets (ROA) | 0.7147% | 3,855 |
| Pretax return on assets | 0.7246% | 4,552 |
| Return on Equity (ROE) | 7.6879% | 3,274 |
| Retained earnings to average equity (ytd only) | 5.1519% | 2,860 |
| Net charge-offs to loans | 0.0087% | 4,100 |
| Credit loss provision to net charge-offs | 450.0000% | 632 |
| Earnings coverage of net charge-offs (x) | 150.5000% | 409 |
| Efficiency ratio | 76.7926% | 2,489 |
| Assets per employee ($millions) | 4.7778% | 2,508 |
| Cash dividends to net income (ytd only)* | 32.9861% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7943% | 5,986 |
| Loan loss allowance to noncurrent loans | 333.6364% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.6587% | 4,011 |
| Noncurrent loans to loans | 0.2381% | 5,279 |
| Net loans and leases to total assets | 56.4330% | 4,213 |
| Net loans and leases to deposits | 63.0282% | 4,590 |
| Net loans and leases to core deposits | 63.2989% | 4,882 |
| Total domestic deposits to total assets | 89.5361% | 1,063 |
| Equity capital to assets | 9.3374% | 4,936 |
| Core capital (leverage) ratio | 9.2949% | 4,598 |
| Tier 1 risk-based capital ratio | 18.5275% | 2,056 |
| Total risk-based capital ratio | 19.4222% | 2,148 |
| Memoranda: | ||
| Average total assets | $80,597,330 | 5,147 |
| Average earning assets | $75,417,330 | 5,094 |
| Average equity | $7,492,330 | 5,381 |
| Average total loans | $45,790,000 | 5,038 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3513% | 5,749 |
| Cost of funding earning assets | 0.4043% | 3,921 |
| Net interest margin | 2.9470% | 5,650 |
| Noninterest income to average assets | 0.4335% | 3,922 |
| Noninterest expense to average assets | 2.4762% | 4,696 |
| Loan and lease loss provision to assets | 0.0249% | 3,510 |
| Net operating income to assets | 0.6826% | 3,774 |
| Return on assets (ROA) | 0.6826% | 3,850 |
| Pretax return on assets | 0.6925% | 4,514 |
| Return on Equity (ROE) | 7.3592% | 3,282 |
| Retained earnings to average equity (ytd only) | 7.3592% | 1,877 |
| Net charge-offs to loans | 0.0263% | 3,045 |
| Credit loss provision to net charge-offs | 166.6667% | 1,168 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 775 |
| Efficiency ratio | 77.5351% | 2,547 |
| Assets per employee ($millions) | 4.5741% | 2,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7986% | 6,107 |
| Loan loss allowance to noncurrent loans | 266.1765% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.6814% | 4,068 |
| Noncurrent loans to loans | 0.3000% | 5,215 |
| Net loans and leases to total assets | 54.6148% | 4,334 |
| Net loans and leases to deposits | 60.8043% | 4,680 |
| Net loans and leases to core deposits | 61.6936% | 4,907 |
| Total domestic deposits to total assets | 89.8206% | 1,172 |
| Equity capital to assets | 9.1312% | 4,970 |
| Core capital (leverage) ratio | 9.3809% | 4,455 |
| Tier 1 risk-based capital ratio | 18.8214% | 2,024 |
| Total risk-based capital ratio | 19.7246% | 2,096 |
| Memoranda: | ||
| Average total assets | $80,285,000 | 5,202 |
| Average earning assets | $75,194,500 | 5,143 |
| Average equity | $7,446,500 | 5,427 |
| Average total loans | $45,583,500 | 5,091 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6008% | 5,404 |
| Cost of funding earning assets | 0.5683% | 2,938 |
| Net interest margin | 3.0324% | 5,503 |
| Noninterest income to average assets | 0.4764% | 3,918 |
| Noninterest expense to average assets | 2.4899% | 4,793 |
| Loan and lease loss provision to assets | 0.0902% | 3,302 |
| Net operating income to assets | 0.7140% | 3,730 |
| Return on assets (ROA) | 0.7140% | 3,814 |
| Pretax return on assets | 0.7228% | 4,452 |
| Return on Equity (ROE) | 7.6226% | 3,234 |
| Retained earnings to average equity (ytd only) | 2.0074% | 4,804 |
| Net charge-offs to loans | 0.1564% | 3,239 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 9.0141% | 2,569 |
| Efficiency ratio | 75.3846% | 2,879 |
| Assets per employee ($millions) | 4.3465% | 3,180 |
| Cash dividends to net income (ytd only)* | 73.6655% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7854% | 6,202 |
| Loan loss allowance to noncurrent loans | 248.2759% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.7286% | 4,061 |
| Noncurrent loans to loans | 0.3163% | 5,237 |
| Net loans and leases to total assets | 58.1298% | 4,018 |
| Net loans and leases to deposits | 64.9162% | 4,424 |
| Net loans and leases to core deposits | 65.9211% | 4,702 |
| Total domestic deposits to total assets | 89.5459% | 1,305 |
| Equity capital to assets | 9.4265% | 4,523 |
| Core capital (leverage) ratio | 9.3442% | 4,487 |
| Tier 1 risk-based capital ratio | 18.2835% | 2,156 |
| Total risk-based capital ratio | 19.1721% | 2,232 |
| Memoranda: | ||
| Average total assets | $78,716,800 | 5,268 |
| Average earning assets | $73,373,400 | 5,214 |
| Average equity | $7,372,800 | 5,484 |
| Average total loans | $45,395,600 | 5,135 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6016% | 5,437 |
| Cost of funding earning assets | 0.5972% | 2,831 |
| Net interest margin | 3.0043% | 5,586 |
| Noninterest income to average assets | 0.4634% | 4,051 |
| Noninterest expense to average assets | 2.5520% | 4,543 |
| Loan and lease loss provision to assets | 0.0507% | 4,003 |
| Net operating income to assets | 0.6494% | 4,125 |
| Return on assets (ROA) | 0.6494% | 4,248 |
| Pretax return on assets | 0.6596% | 4,825 |
| Return on Equity (ROE) | 6.9448% | 3,683 |
| Retained earnings to average equity (ytd only) | 4.5575% | 3,431 |
| Net charge-offs to loans | 0.0883% | 3,687 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 13.9998% | 1,975 |
| Efficiency ratio | 78.2271% | 2,387 |
| Assets per employee ($millions) | 4.4236% | 3,007 |
| Cash dividends to net income (ytd only)* | 34.3757% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7815% | 6,317 |
| Loan loss allowance to noncurrent loans | 121.2121% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.9356% | 3,802 |
| Noncurrent loans to loans | 0.6447% | 4,579 |
| Net loans and leases to total assets | 57.4028% | 4,102 |
| Net loans and leases to deposits | 64.1799% | 4,501 |
| Net loans and leases to core deposits | 65.1561% | 4,785 |
| Total domestic deposits to total assets | 89.4405% | 1,336 |
| Equity capital to assets | 9.4091% | 4,663 |
| Core capital (leverage) ratio | 9.4131% | 4,516 |
| Tier 1 risk-based capital ratio | 18.3972% | 2,173 |
| Total risk-based capital ratio | 19.2784% | 2,277 |
| Memoranda: | ||
| Average total assets | $78,836,750 | 5,317 |
| Average earning assets | $73,447,250 | 5,257 |
| Average equity | $7,372,250 | 5,544 |
| Average total loans | $45,284,750 | 5,193 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5945% | 5,450 |
| Cost of funding earning assets | 0.6155% | 2,800 |
| Net interest margin | 2.9790% | 5,616 |
| Noninterest income to average assets | 0.4403% | 4,245 |
| Noninterest expense to average assets | 2.5734% | 4,477 |
| Loan and lease loss provision to assets | 0.0382% | 4,184 |
| Net operating income to assets | 0.5905% | 4,336 |
| Return on assets (ROA) | 0.5905% | 4,523 |
| Pretax return on assets | 0.6007% | 5,008 |
| Return on Equity (ROE) | 6.3281% | 3,981 |
| Retained earnings to average equity (ytd only) | 4.3097% | 3,541 |
| Net charge-offs to loans | 0.1333% | 3,044 |
| Credit loss provision to net charge-offs | 50.0000% | 3,203 |
| Earnings coverage of net charge-offs (x) | 8.3667% | 2,404 |
| Efficiency ratio | 80.1109% | 2,137 |
| Assets per employee ($millions) | 4.4082% | 2,970 |
| Cash dividends to net income (ytd only)* | 31.8966% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7641% | 6,413 |
| Loan loss allowance to noncurrent loans | 59.1767% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 1.2704% | 3,220 |
| Noncurrent loans to loans | 1.2913% | 3,399 |
| Net loans and leases to total assets | 56.4652% | 4,214 |
| Net loans and leases to deposits | 63.0314% | 4,620 |
| Net loans and leases to core deposits | 63.7552% | 4,922 |
| Total domestic deposits to total assets | 89.5826% | 1,274 |
| Equity capital to assets | 9.2718% | 4,900 |
| Core capital (leverage) ratio | 9.2559% | 4,615 |
| Tier 1 risk-based capital ratio | 18.4118% | 2,174 |
| Total risk-based capital ratio | 19.2682% | 2,277 |
| Memoranda: | ||
| Average total assets | $78,574,000 | 5,353 |
| Average earning assets | $73,112,000 | 5,301 |
| Average equity | $7,332,330 | 5,597 |
| Average total loans | $45,024,000 | 5,222 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5982% | 5,463 |
| Cost of funding earning assets | 0.6392% | 2,749 |
| Net interest margin | 2.9590% | 5,680 |
| Noninterest income to average assets | 0.4144% | 4,353 |
| Noninterest expense to average assets | 2.6040% | 4,394 |
| Loan and lease loss provision to assets | 0.0256% | 4,146 |
| Net operating income to assets | 0.5218% | 4,563 |
| Return on assets (ROA) | 0.5218% | 4,706 |
| Pretax return on assets | 0.5321% | 5,170 |
| Return on Equity (ROE) | 5.5738% | 4,278 |
| Retained earnings to average equity (ytd only) | 5.5738% | 2,914 |
| Net charge-offs to loans | 0.0089% | 3,974 |
| Credit loss provision to net charge-offs | 500.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 109.0000% | 350 |
| Efficiency ratio | 82.3625% | 1,983 |
| Assets per employee ($millions) | 4.4248% | 3,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8122% | 6,438 |
| Loan loss allowance to noncurrent loans | 69.2015% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 1.5481% | 2,946 |
| Noncurrent loans to loans | 1.1736% | 3,813 |
| Net loans and leases to total assets | 55.8145% | 4,118 |
| Net loans and leases to deposits | 62.2256% | 4,510 |
| Net loans and leases to core deposits | 62.9339% | 4,855 |
| Total domestic deposits to total assets | 89.6969% | 1,233 |
| Equity capital to assets | 9.2509% | 5,196 |
| Core capital (leverage) ratio | 9.4954% | 4,090 |
| Tier 1 risk-based capital ratio | 18.5156% | 2,187 |
| Total risk-based capital ratio | 19.4311% | 2,261 |
| Memoranda: | ||
| Average total assets | $78,187,000 | 5,413 |
| Average earning assets | $72,591,000 | 5,368 |
| Average equity | $7,320,000 | 5,657 |
| Average total loans | $44,961,500 | 5,251 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9265% | 5,500 |
| Cost of funding earning assets | 0.8012% | 2,657 |
| Net interest margin | 3.1253% | 5,751 |
| Noninterest income to average assets | 0.4964% | 3,929 |
| Noninterest expense to average assets | 2.6064% | 4,721 |
| Loan and lease loss provision to assets | 0.0288% | 5,535 |
| Net operating income to assets | 0.7374% | 3,565 |
| Return on assets (ROA) | 0.7374% | 3,814 |
| Pretax return on assets | 0.7479% | 4,482 |
| Return on Equity (ROE) | 7.8345% | 3,167 |
| Retained earnings to average equity (ytd only) | 3.0336% | 4,102 |
| Net charge-offs to loans | 0.0490% | 5,227 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 26.9545% | 1,086 |
| Efficiency ratio | 77.0422% | 2,585 |
| Assets per employee ($millions) | 4.2627% | 3,436 |
| Cash dividends to net income (ytd only)* | 61.2789% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7981% | 6,493 |
| Loan loss allowance to noncurrent loans | 74.6888% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 1.5144% | 3,108 |
| Noncurrent loans to loans | 1.0686% | 4,065 |
| Net loans and leases to total assets | 58.3164% | 3,920 |
| Net loans and leases to deposits | 65.1671% | 4,397 |
| Net loans and leases to core deposits | 65.9343% | 4,743 |
| Total domestic deposits to total assets | 89.4875% | 1,252 |
| Equity capital to assets | 9.4776% | 4,901 |
| Core capital (leverage) ratio | 9.4627% | 4,164 |
| Tier 1 risk-based capital ratio | 18.0838% | 2,232 |
| Total risk-based capital ratio | 18.9806% | 2,332 |
| Memoranda: | ||
| Average total assets | $76,350,600 | 5,449 |
| Average earning assets | $70,521,000 | 5,409 |
| Average equity | $7,186,200 | 5,709 |
| Average total loans | $44,878,600 | 5,290 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9437% | 5,671 |
| Cost of funding earning assets | 0.8202% | 2,773 |
| Net interest margin | 3.1235% | 5,888 |
| Noninterest income to average assets | 0.4808% | 4,055 |
| Noninterest expense to average assets | 2.7101% | 4,323 |
| Loan and lease loss provision to assets | 0.0175% | 5,586 |
| Net operating income to assets | 0.6259% | 4,261 |
| Return on assets (ROA) | 0.6259% | 4,517 |
| Pretax return on assets | 0.6364% | 5,062 |
| Return on Equity (ROE) | 6.6621% | 3,987 |
| Retained earnings to average equity (ytd only) | 4.4290% | 3,777 |
| Net charge-offs to loans | -0.0060% | 6,291 |
| Credit loss provision to net charge-offs | -500.0000% | 6,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5613% | 2,010 |
| Assets per employee ($millions) | 4.2082% | 3,455 |
| Cash dividends to net income (ytd only)* | 33.5205% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8207% | 6,558 |
| Loan loss allowance to noncurrent loans | 32.7465% | 6,002 |
| Noncurrent assets plus other real estate owned to assets | 2.5348% | 2,084 |
| Noncurrent loans to loans | 2.5061% | 2,288 |
| Net loans and leases to total assets | 59.3515% | 3,901 |
| Net loans and leases to deposits | 66.5409% | 4,401 |
| Net loans and leases to core deposits | 67.3332% | 4,805 |
| Total domestic deposits to total assets | 89.1956% | 1,317 |
| Equity capital to assets | 9.6307% | 5,019 |
| Core capital (leverage) ratio | 9.6067% | 4,106 |
| Tier 1 risk-based capital ratio | 18.0723% | 2,307 |
| Total risk-based capital ratio | 18.9960% | 2,418 |
| Memoranda: | ||
| Average total assets | $76,256,250 | 5,508 |
| Average earning assets | $70,388,500 | 5,474 |
| Average equity | $7,164,750 | 5,781 |
| Average total loans | $44,822,000 | 5,352 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9305% | 5,835 |
| Cost of funding earning assets | 0.8451% | 2,836 |
| Net interest margin | 3.0854% | 6,048 |
| Noninterest income to average assets | 0.4789% | 4,065 |
| Noninterest expense to average assets | 2.7792% | 4,095 |
| Loan and lease loss provision to assets | 0.0105% | 5,530 |
| Net operating income to assets | 0.5260% | 4,697 |
| Return on assets (ROA) | 0.5260% | 4,970 |
| Pretax return on assets | 0.5365% | 5,349 |
| Return on Equity (ROE) | 5.6450% | 4,505 |
| Retained earnings to average equity (ytd only) | 3.5387% | 4,242 |
| Net charge-offs to loans | -0.0090% | 6,269 |
| Credit loss provision to net charge-offs | -200.0000% | 6,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5563% | 1,678 |
| Assets per employee ($millions) | 4.2307% | 3,397 |
| Cash dividends to net income (ytd only)* | 37.3134% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8314% | 6,609 |
| Loan loss allowance to noncurrent loans | 35.1196% | 5,914 |
| Noncurrent assets plus other real estate owned to assets | 2.5502% | 2,192 |
| Noncurrent loans to loans | 2.3673% | 2,538 |
| Net loans and leases to total assets | 57.4850% | 4,248 |
| Net loans and leases to deposits | 64.3103% | 4,720 |
| Net loans and leases to core deposits | 65.0654% | 5,102 |
| Total domestic deposits to total assets | 89.3870% | 1,285 |
| Equity capital to assets | 9.4311% | 5,157 |
| Core capital (leverage) ratio | 9.3610% | 4,356 |
| Tier 1 risk-based capital ratio | 18.1809% | 2,237 |
| Total risk-based capital ratio | 19.1118% | 2,308 |
| Memoranda: | ||
| Average total assets | $76,426,000 | 5,534 |
| Average earning assets | $70,525,000 | 5,506 |
| Average equity | $7,121,330 | 5,810 |
| Average total loans | $44,653,000 | 5,398 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9486% | 5,905 |
| Cost of funding earning assets | 0.8894% | 2,769 |
| Net interest margin | 3.0591% | 6,158 |
| Noninterest income to average assets | 0.4754% | 4,103 |
| Noninterest expense to average assets | 2.8264% | 3,919 |
| Loan and lease loss provision to assets | 0.0052% | 5,210 |
| Net operating income to assets | 0.4545% | 5,015 |
| Return on assets (ROA) | 0.4545% | 5,204 |
| Pretax return on assets | 0.4650% | 5,537 |
| Return on Equity (ROE) | 4.9076% | 4,827 |
| Retained earnings to average equity (ytd only) | 4.9076% | 3,610 |
| Net charge-offs to loans | -0.0089% | 5,914 |
| Credit loss provision to net charge-offs | -100.0000% | 5,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7369% | 1,505 |
| Assets per employee ($millions) | 4.1027% | 3,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8249% | 6,698 |
| Loan loss allowance to noncurrent loans | 32.7913% | 6,036 |
| Noncurrent assets plus other real estate owned to assets | 2.6299% | 2,248 |
| Noncurrent loans to loans | 2.5156% | 2,593 |
| Net loans and leases to total assets | 55.9865% | 4,391 |
| Net loans and leases to deposits | 62.3448% | 4,866 |
| Net loans and leases to core deposits | 63.0537% | 5,218 |
| Total domestic deposits to total assets | 89.8013% | 1,192 |
| Equity capital to assets | 9.1416% | 5,303 |
| Core capital (leverage) ratio | 9.3885% | 4,211 |
| Tier 1 risk-based capital ratio | 17.7565% | 2,379 |
| Total risk-based capital ratio | 18.6608% | 2,480 |
| Memoranda: | ||
| Average total assets | $76,563,000 | 5,578 |
| Average earning assets | $70,608,000 | 5,541 |
| Average equity | $7,091,000 | 5,844 |
| Average total loans | $44,908,000 | 5,428 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4423% | 5,276 |
| Cost of funding earning assets | 1.1098% | 2,608 |
| Net interest margin | 3.3325% | 5,718 |
| Noninterest income to average assets | 0.5544% | 3,478 |
| Noninterest expense to average assets | 2.8796% | 4,045 |
| Loan and lease loss provision to assets | 0.0349% | 6,125 |
| Net operating income to assets | 0.6766% | 3,595 |
| Return on assets (ROA) | 0.6766% | 3,792 |
| Pretax return on assets | 0.6873% | 4,377 |
| Return on Equity (ROE) | 7.2426% | 3,283 |
| Retained earnings to average equity (ytd only) | 3.1902% | 3,950 |
| Net charge-offs to loans | 0.0387% | 5,922 |
| Credit loss provision to net charge-offs | 144.4444% | 1,996 |
| Earnings coverage of net charge-offs (x) | 29.8889% | 847 |
| Efficiency ratio | 79.9478% | 2,311 |
| Assets per employee ($millions) | 3.9566% | 3,959 |
| Cash dividends to net income (ytd only)* | 55.9524% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7858% | 6,771 |
| Loan loss allowance to noncurrent loans | 29.8755% | 6,209 |
| Noncurrent assets plus other real estate owned to assets | 3.0090% | 2,002 |
| Noncurrent loans to loans | 2.6304% | 2,474 |
| Net loans and leases to total assets | 60.4603% | 3,904 |
| Net loans and leases to deposits | 67.4988% | 4,510 |
| Net loans and leases to core deposits | 68.1046% | 5,017 |
| Total domestic deposits to total assets | 89.5723% | 1,223 |
| Equity capital to assets | 9.3861% | 5,039 |
| Core capital (leverage) ratio | 9.3779% | 4,214 |
| Tier 1 risk-based capital ratio | 16.8171% | 2,683 |
| Total risk-based capital ratio | 17.6770% | 2,818 |
| Memoranda: | ||
| Average total assets | $74,490,600 | 5,626 |
| Average earning assets | $68,118,000 | 5,611 |
| Average equity | $6,958,800 | 5,875 |
| Average total loans | $46,475,000 | 5,400 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4467% | 5,439 |
| Cost of funding earning assets | 1.1470% | 2,651 |
| Net interest margin | 3.2997% | 5,859 |
| Noninterest income to average assets | 0.5543% | 3,480 |
| Noninterest expense to average assets | 2.9099% | 3,886 |
| Loan and lease loss provision to assets | 0.0520% | 5,800 |
| Net operating income to assets | 0.5938% | 4,111 |
| Return on assets (ROA) | 0.5938% | 4,300 |
| Pretax return on assets | 0.6064% | 4,791 |
| Return on Equity (ROE) | 6.3641% | 3,844 |
| Retained earnings to average equity (ytd only) | 4.1146% | 3,800 |
| Net charge-offs to loans | 0.0086% | 6,041 |
| Credit loss provision to net charge-offs | 966.6667% | 274 |
| Earnings coverage of net charge-offs (x) | 122.3300% | 301 |
| Efficiency ratio | 81.5485% | 2,034 |
| Assets per employee ($millions) | 3.9345% | 3,993 |
| Cash dividends to net income (ytd only)* | 35.3485% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8197% | 6,781 |
| Loan loss allowance to noncurrent loans | 32.7840% | 6,094 |
| Noncurrent assets plus other real estate owned to assets | 3.0352% | 2,115 |
| Noncurrent loans to loans | 2.5003% | 2,770 |
| Net loans and leases to total assets | 61.1812% | 3,904 |
| Net loans and leases to deposits | 68.4404% | 4,535 |
| Net loans and leases to core deposits | 69.0563% | 5,059 |
| Total domestic deposits to total assets | 89.3934% | 1,197 |
| Equity capital to assets | 9.4295% | 5,197 |
| Core capital (leverage) ratio | 9.4178% | 4,278 |
| Tier 1 risk-based capital ratio | 16.7206% | 2,758 |
| Total risk-based capital ratio | 17.6192% | 2,896 |
| Memoranda: | ||
| Average total assets | $74,319,500 | 5,667 |
| Average earning assets | $67,883,750 | 5,656 |
| Average equity | $6,934,500 | 5,921 |
| Average total loans | $46,641,000 | 5,445 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5023% | 5,346 |
| Cost of funding earning assets | 1.1847% | 2,679 |
| Net interest margin | 3.3177% | 5,805 |
| Noninterest income to average assets | 0.5501% | 3,476 |
| Noninterest expense to average assets | 2.9309% | 3,898 |
| Loan and lease loss provision to assets | 0.0485% | 5,707 |
| Net operating income to assets | 0.5878% | 4,118 |
| Return on assets (ROA) | 0.5878% | 4,250 |
| Pretax return on assets | 0.5986% | 4,743 |
| Return on Equity (ROE) | 6.3222% | 3,786 |
| Retained earnings to average equity (ytd only) | 3.7991% | 3,797 |
| Net charge-offs to loans | -0.0043% | 6,570 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9141% | 2,110 |
| Assets per employee ($millions) | 3.8878% | 4,020 |
| Cash dividends to net income (ytd only)* | 39.9083% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8240% | 6,826 |
| Loan loss allowance to noncurrent loans | 37.6268% | 5,796 |
| Noncurrent assets plus other real estate owned to assets | 2.8713% | 2,341 |
| Noncurrent loans to loans | 2.1899% | 3,237 |
| Net loans and leases to total assets | 60.4503% | 4,194 |
| Net loans and leases to deposits | 67.6043% | 4,769 |
| Net loans and leases to core deposits | 68.4888% | 5,240 |
| Total domestic deposits to total assets | 89.4178% | 1,290 |
| Equity capital to assets | 9.4194% | 4,943 |
| Core capital (leverage) ratio | 9.2903% | 4,263 |
| Tier 1 risk-based capital ratio | 17.0389% | 2,500 |
| Total risk-based capital ratio | 17.9483% | 2,608 |
| Memoranda: | ||
| Average total assets | $74,174,330 | 5,718 |
| Average earning assets | $67,698,330 | 5,708 |
| Average equity | $6,896,330 | 5,950 |
| Average total loans | $46,816,670 | 5,483 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5499% | 5,170 |
| Cost of funding earning assets | 1.2586% | 2,442 |
| Net interest margin | 3.2913% | 5,809 |
| Noninterest income to average assets | 0.5220% | 3,709 |
| Noninterest expense to average assets | 2.8200% | 4,374 |
| Loan and lease loss provision to assets | 0.0323% | 5,568 |
| Net operating income to assets | 0.6566% | 3,718 |
| Return on assets (ROA) | 0.6566% | 3,792 |
| Pretax return on assets | 0.6673% | 4,432 |
| Return on Equity (ROE) | 7.1080% | 3,327 |
| Retained earnings to average equity (ytd only) | 7.1080% | 2,100 |
| Net charge-offs to loans | 0.0252% | 4,736 |
| Credit loss provision to net charge-offs | 200.0000% | 1,479 |
| Earnings coverage of net charge-offs (x) | 43.3333% | 647 |
| Efficiency ratio | 80.1223% | 2,505 |
| Assets per employee ($millions) | 3.9893% | 3,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7677% | 6,977 |
| Loan loss allowance to noncurrent loans | 316.9643% | 977 |
| Noncurrent assets plus other real estate owned to assets | 1.7033% | 3,697 |
| Noncurrent loans to loans | 0.2422% | 6,502 |
| Net loans and leases to total assets | 60.5388% | 4,166 |
| Net loans and leases to deposits | 67.3714% | 4,770 |
| Net loans and leases to core deposits | 68.2228% | 5,267 |
| Total domestic deposits to total assets | 89.8583% | 1,242 |
| Equity capital to assets | 9.1350% | 4,979 |
| Core capital (leverage) ratio | 9.3000% | 4,123 |
| Tier 1 risk-based capital ratio | 16.5495% | 2,643 |
| Total risk-based capital ratio | 17.3957% | 2,804 |
| Memoranda: | ||
| Average total assets | $74,327,000 | 5,750 |
| Average earning assets | $67,693,500 | 5,742 |
| Average equity | $6,865,500 | 5,968 |
| Average total loans | $47,712,500 | 5,489 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3510% | 2,892 |
| Cost of funding earning assets | 1.5409% | 2,403 |
| Net interest margin | 3.8102% | 3,903 |
| Noninterest income to average assets | 0.6325% | 3,264 |
| Noninterest expense to average assets | 3.0780% | 3,556 |
| Loan and lease loss provision to assets | 0.1073% | 6,073 |
| Net operating income to assets | 0.8786% | 2,472 |
| Return on assets (ROA) | 0.8786% | 2,609 |
| Pretax return on assets | 0.8900% | 3,330 |
| Return on Equity (ROE) | 9.1880% | 2,223 |
| Retained earnings to average equity (ytd only) | 4.5940% | 2,664 |
| Net charge-offs to loans | 0.1494% | 5,458 |
| Credit loss provision to net charge-offs | 98.6842% | 4,688 |
| Earnings coverage of net charge-offs (x) | 9.1711% | 1,864 |
| Efficiency ratio | 75.5267% | 3,119 |
| Assets per employee ($millions) | 3.8346% | 4,164 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7157% | 7,117 |
| Loan loss allowance to noncurrent loans | 253.2374% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 2.2208% | 3,067 |
| Noncurrent loans to loans | 0.2826% | 6,491 |
| Net loans and leases to total assets | 67.0235% | 3,215 |
| Net loans and leases to deposits | 74.7524% | 4,072 |
| Net loans and leases to core deposits | 75.7308% | 4,758 |
| Total domestic deposits to total assets | 89.6607% | 1,289 |
| Equity capital to assets | 9.3428% | 4,633 |
| Core capital (leverage) ratio | 9.4325% | 3,797 |
| Tier 1 risk-based capital ratio | 15.1876% | 3,154 |
| Total risk-based capital ratio | 15.9715% | 3,375 |
| Memoranda: | ||
| Average total assets | $69,884,000 | 5,893 |
| Average earning assets | $63,146,800 | 5,886 |
| Average equity | $6,682,600 | 6,138 |
| Average total loans | $50,867,000 | 5,448 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4342% | 2,726 |
| Cost of funding earning assets | 1.5929% | 2,427 |
| Net interest margin | 3.8413% | 3,792 |
| Noninterest income to average assets | 0.6248% | 3,282 |
| Noninterest expense to average assets | 3.1375% | 3,151 |
| Loan and lease loss provision to assets | 0.2468% | 4,623 |
| Net operating income to assets | 0.7019% | 3,404 |
| Return on assets (ROA) | 0.7019% | 3,557 |
| Pretax return on assets | 0.7096% | 4,196 |
| Return on Equity (ROE) | 7.2964% | 3,207 |
| Retained earnings to average equity (ytd only) | 4.2696% | 3,487 |
| Net charge-offs to loans | 0.0312% | 6,247 |
| Credit loss provision to net charge-offs | 1,066.6667% | 278 |
| Earnings coverage of net charge-offs (x) | 41.3325% | 666 |
| Efficiency ratio | 76.6368% | 2,825 |
| Assets per employee ($millions) | 3.7057% | 4,495 |
| Cash dividends to net income (ytd only)* | 41.4840% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9247% | 6,659 |
| Loan loss allowance to noncurrent loans | 95.5193% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 2.5977% | 2,782 |
| Noncurrent loans to loans | 0.9681% | 5,301 |
| Net loans and leases to total assets | 71.3673% | 2,390 |
| Net loans and leases to deposits | 79.9570% | 3,459 |
| Net loans and leases to core deposits | 81.0415% | 4,377 |
| Total domestic deposits to total assets | 89.2571% | 1,251 |
| Equity capital to assets | 9.5883% | 4,714 |
| Core capital (leverage) ratio | 9.5949% | 3,773 |
| Tier 1 risk-based capital ratio | 14.6638% | 3,415 |
| Total risk-based capital ratio | 15.6863% | 3,522 |
| Memoranda: | ||
| Average total assets | $69,140,500 | 5,966 |
| Average earning assets | $62,442,500 | 5,976 |
| Average equity | $6,651,500 | 6,222 |
| Average total loans | $51,287,750 | 5,517 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4571% | 2,718 |
| Cost of funding earning assets | 1.6630% | 2,321 |
| Net interest margin | 3.7941% | 3,920 |
| Noninterest income to average assets | 0.6228% | 3,170 |
| Noninterest expense to average assets | 3.1287% | 3,188 |
| Loan and lease loss provision to assets | 0.2387% | 4,528 |
| Net operating income to assets | 0.6694% | 3,530 |
| Return on assets (ROA) | 0.6694% | 3,678 |
| Pretax return on assets | 0.6752% | 4,328 |
| Return on Equity (ROE) | 6.9504% | 3,325 |
| Retained earnings to average equity (ytd only) | 4.2005% | 3,395 |
| Net charge-offs to loans | 0.0194% | 6,072 |
| Credit loss provision to net charge-offs | 1,640.0000% | 244 |
| Earnings coverage of net charge-offs (x) | 62.8000% | 493 |
| Efficiency ratio | 77.3938% | 2,832 |
| Assets per employee ($millions) | 4.0808% | 3,609 |
| Cash dividends to net income (ytd only)* | 39.5652% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8436% | 6,929 |
| Loan loss allowance to noncurrent loans | 59.9721% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 3.0573% | 2,328 |
| Noncurrent loans to loans | 1.4066% | 4,596 |
| Net loans and leases to total assets | 72.8573% | 2,198 |
| Net loans and leases to deposits | 81.8222% | 3,299 |
| Net loans and leases to core deposits | 82.9352% | 4,289 |
| Total domestic deposits to total assets | 89.0434% | 1,410 |
| Equity capital to assets | 9.6275% | 4,505 |
| Core capital (leverage) ratio | 9.5141% | 3,803 |
| Tier 1 risk-based capital ratio | 14.2423% | 3,578 |
| Total risk-based capital ratio | 15.1631% | 3,752 |
| Memoranda: | ||
| Average total assets | $68,717,670 | 6,011 |
| Average earning assets | $61,937,670 | 6,024 |
| Average equity | $6,618,330 | 6,263 |
| Average total loans | $51,477,670 | 5,545 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5883% | 2,201 |
| Cost of funding earning assets | 1.6980% | 2,401 |
| Net interest margin | 3.8903% | 3,372 |
| Noninterest income to average assets | 0.5966% | 3,296 |
| Noninterest expense to average assets | 3.0940% | 3,287 |
| Loan and lease loss provision to assets | 0.2223% | 4,278 |
| Net operating income to assets | 0.7720% | 3,091 |
| Return on assets (ROA) | 0.7720% | 3,208 |
| Pretax return on assets | 0.7779% | 3,961 |
| Return on Equity (ROE) | 8.0146% | 2,877 |
| Retained earnings to average equity (ytd only) | 7.4074% | 1,971 |
| Net charge-offs to loans | -0.0155% | 7,007 |
| Credit loss provision to net charge-offs | -1,900.0000% | 6,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5714% | 3,294 |
| Assets per employee ($millions) | 4.0720% | 3,704 |
| Cash dividends to net income (ytd only)* | 7.5758% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7720% | 7,196 |
| Loan loss allowance to noncurrent loans | 70.5566% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 2.9816% | 2,411 |
| Noncurrent loans to loans | 1.0942% | 5,174 |
| Net loans and leases to total assets | 72.9675% | 2,211 |
| Net loans and leases to deposits | 81.9412% | 3,293 |
| Net loans and leases to core deposits | 83.0541% | 4,332 |
| Total domestic deposits to total assets | 89.0486% | 1,495 |
| Equity capital to assets | 9.6094% | 4,365 |
| Core capital (leverage) ratio | 9.6701% | 3,562 |
| Tier 1 risk-based capital ratio | 13.8154% | 3,789 |
| Total risk-based capital ratio | 14.6338% | 4,018 |
| Memoranda: | ||
| Average total assets | $68,389,500 | 6,094 |
| Average earning assets | $61,485,500 | 6,110 |
| Average equity | $6,588,000 | 6,323 |
| Average total loans | $51,729,500 | 5,598 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6853% | 3,179 |
| Cost of funding earning assets | 2.0093% | 2,921 |
| Net interest margin | 3.6760% | 4,235 |
| Noninterest income to average assets | 0.6307% | 3,418 |
| Noninterest expense to average assets | 3.0762% | 3,848 |
| Loan and lease loss provision to assets | 0.1457% | 6,196 |
| Net operating income to assets | 0.6948% | 2,954 |
| Return on assets (ROA) | 0.6948% | 3,028 |
| Pretax return on assets | 0.7050% | 3,555 |
| Return on Equity (ROE) | 7.4276% | 2,608 |
| Retained earnings to average equity (ytd only) | 4.0330% | 2,394 |
| Net charge-offs to loans | 0.0078% | 7,124 |
| Credit loss provision to net charge-offs | 2,500.0000% | 129 |
| Earnings coverage of net charge-offs (x) | 146.0000% | 200 |
| Efficiency ratio | 78.3383% | 3,138 |
| Assets per employee ($millions) | 3.9738% | 3,862 |
| Cash dividends to net income (ytd only)* | 45.7023% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6717% | 7,430 |
| Loan loss allowance to noncurrent loans | 53.7291% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 3.2907% | 2,086 |
| Noncurrent loans to loans | 1.2501% | 4,859 |
| Net loans and leases to total assets | 77.2733% | 1,528 |
| Net loans and leases to deposits | 86.6078% | 2,806 |
| Net loans and leases to core deposits | 98.9912% | 4,114 |
| Total domestic deposits to total assets | 89.2221% | 1,373 |
| Equity capital to assets | 9.6573% | 4,203 |
| Core capital (leverage) ratio | 9.3518% | 3,897 |
| Tier 1 risk-based capital ratio | 13.2842% | 3,956 |
| Total risk-based capital ratio | 14.0042% | 4,263 |
| Memoranda: | ||
| Average total assets | $68,657,200 | 6,050 |
| Average earning assets | $61,562,200 | 6,075 |
| Average equity | $6,422,000 | 6,455 |
| Average total loans | $51,532,800 | 5,604 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5815% | 3,965 |
| Cost of funding earning assets | 2.0363% | 3,183 |
| Net interest margin | 3.5452% | 4,690 |
| Noninterest income to average assets | 0.5841% | 3,822 |
| Noninterest expense to average assets | 2.9593% | 4,209 |
| Loan and lease loss provision to assets | 0.1547% | 5,804 |
| Net operating income to assets | 0.6480% | 3,418 |
| Return on assets (ROA) | 0.6480% | 3,476 |
| Pretax return on assets | 0.6557% | 4,000 |
| Return on Equity (ROE) | 6.9829% | 3,079 |
| Retained earnings to average equity (ytd only) | 4.7109% | 2,651 |
| Net charge-offs to loans | -0.3926% | 8,011 |
| Credit loss provision to net charge-offs | -52.9801% | 7,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5018% | 3,082 |
| Assets per employee ($millions) | 4.1024% | 3,556 |
| Cash dividends to net income (ytd only)* | 32.5371% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9326% | 6,628 |
| Loan loss allowance to noncurrent loans | 46.7433% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 3.6894% | 1,766 |
| Noncurrent loans to loans | 1.9951% | 3,651 |
| Net loans and leases to total assets | 74.3318% | 2,436 |
| Net loans and leases to deposits | 83.3116% | 3,771 |
| Net loans and leases to core deposits | 95.3133% | 4,895 |
| Total domestic deposits to total assets | 89.2214% | 1,099 |
| Equity capital to assets | 9.3175% | 5,009 |
| Core capital (leverage) ratio | 9.1971% | 4,345 |
| Tier 1 risk-based capital ratio | 13.2533% | 4,017 |
| Total risk-based capital ratio | 14.2515% | 4,124 |
| Memoranda: | ||
| Average total assets | $68,932,750 | 6,079 |
| Average earning assets | $61,941,250 | 6,110 |
| Average equity | $6,396,500 | 6,523 |
| Average total loans | $51,277,250 | 5,657 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5908% | 4,120 |
| Cost of funding earning assets | 2.0770% | 3,382 |
| Net interest margin | 3.5137% | 4,740 |
| Noninterest income to average assets | 0.5651% | 3,930 |
| Noninterest expense to average assets | 2.9302% | 4,382 |
| Loan and lease loss provision to assets | 0.1136% | 6,011 |
| Net operating income to assets | 0.6612% | 3,424 |
| Return on assets (ROA) | 0.6612% | 3,534 |
| Pretax return on assets | 0.6699% | 4,101 |
| Return on Equity (ROE) | 7.1354% | 3,148 |
| Retained earnings to average equity (ytd only) | 4.9979% | 2,506 |
| Net charge-offs to loans | 0.0118% | 6,392 |
| Credit loss provision to net charge-offs | 1,300.0000% | 380 |
| Earnings coverage of net charge-offs (x) | 89.6667% | 428 |
| Efficiency ratio | 78.9020% | 3,210 |
| Assets per employee ($millions) | 4.1316% | 3,432 |
| Cash dividends to net income (ytd only)* | 29.9559% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5595% | 7,712 |
| Loan loss allowance to noncurrent loans | 27.2642% | 6,678 |
| Noncurrent assets plus other real estate owned to assets | 3.8228% | 1,586 |
| Noncurrent loans to loans | 2.0521% | 3,443 |
| Net loans and leases to total assets | 73.8913% | 2,733 |
| Net loans and leases to deposits | 82.5747% | 4,122 |
| Net loans and leases to core deposits | 93.6518% | 5,157 |
| Total domestic deposits to total assets | 89.4842% | 1,047 |
| Equity capital to assets | 9.1305% | 5,121 |
| Core capital (leverage) ratio | 9.1561% | 4,371 |
| Tier 1 risk-based capital ratio | 13.2531% | 3,969 |
| Total risk-based capital ratio | 13.8567% | 4,355 |
| Memoranda: | ||
| Average total assets | $68,663,670 | 6,126 |
| Average earning assets | $61,530,000 | 6,165 |
| Average equity | $6,362,670 | 6,589 |
| Average total loans | $50,927,330 | 5,723 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6792% | 3,902 |
| Cost of funding earning assets | 2.1626% | 3,361 |
| Net interest margin | 3.5166% | 4,665 |
| Noninterest income to average assets | 0.5363% | 4,015 |
| Noninterest expense to average assets | 2.8581% | 4,311 |
| Loan and lease loss provision to assets | 0.1355% | 5,223 |
| Net operating income to assets | 0.6895% | 3,605 |
| Return on assets (ROA) | 0.6895% | 3,792 |
| Pretax return on assets | 0.6954% | 4,449 |
| Return on Equity (ROE) | 7.3846% | 3,428 |
| Retained earnings to average equity (ytd only) | 7.3846% | 2,060 |
| Net charge-offs to loans | -0.0080% | 7,248 |
| Credit loss provision to net charge-offs | -2,300.0000% | 6,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4760% | 3,257 |
| Assets per employee ($millions) | 4.0624% | 3,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5537% | 7,747 |
| Loan loss allowance to noncurrent loans | 25.2925% | 6,880 |
| Noncurrent assets plus other real estate owned to assets | 3.0046% | 1,878 |
| Noncurrent loans to loans | 2.1893% | 2,993 |
| Net loans and leases to total assets | 73.0756% | 2,991 |
| Net loans and leases to deposits | 81.6509% | 4,336 |
| Net loans and leases to core deposits | 93.1090% | 5,244 |
| Total domestic deposits to total assets | 89.4975% | 1,009 |
| Equity capital to assets | 9.2572% | 4,999 |
| Core capital (leverage) ratio | 9.3615% | 4,155 |
| Tier 1 risk-based capital ratio | 13.3612% | 3,951 |
| Total risk-based capital ratio | 13.9505% | 4,311 |
| Memoranda: | ||
| Average total assets | $67,877,000 | 6,183 |
| Average earning assets | $60,853,500 | 6,221 |
| Average equity | $6,337,500 | 6,645 |
| Average total loans | $50,295,500 | 5,787 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1955% | 4,539 |
| Cost of funding earning assets | 2.5237% | 4,078 |
| Net interest margin | 3.6718% | 4,597 |
| Noninterest income to average assets | 0.6155% | 3,740 |
| Noninterest expense to average assets | 2.9416% | 4,294 |
| Loan and lease loss provision to assets | 0.0681% | 6,542 |
| Net operating income to assets | 0.8878% | 3,049 |
| Return on assets (ROA) | 0.8878% | 2,893 |
| Pretax return on assets | 0.8999% | 3,721 |
| Return on Equity (ROE) | 9.2549% | 2,545 |
| Retained earnings to average equity (ytd only) | 0.1892% | 5,118 |
| Net charge-offs to loans | 0.0896% | 5,462 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 14.2222% | 2,059 |
| Efficiency ratio | 75.2418% | 3,369 |
| Assets per employee ($millions) | 3.9232% | 3,670 |
| Cash dividends to net income (ytd only)* | 97.9557% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5156% | 7,828 |
| Loan loss allowance to noncurrent loans | 21.0829% | 7,185 |
| Noncurrent assets plus other real estate owned to assets | 1.8278% | 2,700 |
| Noncurrent loans to loans | 2.4456% | 2,238 |
| Net loans and leases to total assets | 74.3500% | 3,023 |
| Net loans and leases to deposits | 83.1536% | 4,556 |
| Net loans and leases to core deposits | 95.0963% | 5,339 |
| Total domestic deposits to total assets | 89.4128% | 876 |
| Equity capital to assets | 9.4191% | 4,800 |
| Core capital (leverage) ratio | 9.4699% | 4,049 |
| Tier 1 risk-based capital ratio | 13.5613% | 3,781 |
| Total risk-based capital ratio | 14.1187% | 4,106 |
| Memoranda: | ||
| Average total assets | $66,121,400 | 6,158 |
| Average earning assets | $59,317,600 | 6,201 |
| Average equity | $6,342,600 | 6,690 |
| Average total loans | $50,243,400 | 5,694 |