Home > United Citizens Bank & Trust Company > Performance and Condition Ratios
United Citizens Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2552% | 1,562 |
| Cost of funding earning assets | 0.9741% | 3,361 |
| Net interest margin | 4.2811% | 838 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.6859% | 1,771 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.4151% | 1,191 |
| Return on assets (ROA) | 1.4151% | 1,160 |
| Pretax return on assets | 1.7154% | 1,036 |
| Return on Equity (ROE) | 17.0400% | 942 |
| Retained earnings to average equity (ytd only) | 12.3752% | 591 |
| Net charge-offs to loans | 0.0324% | 1,648 |
| Credit loss provision to net charge-offs | 337.2093% | 876 |
| Earnings coverage of net charge-offs (x) | 75.6047% | 1,062 |
| Efficiency ratio | 59.7250% | 3,113 |
| Assets per employee ($millions) | 4.4393% | 3,983 |
| Cash dividends to net income (ytd only)* | 27.3622% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9212% | 3,642 |
| Loan loss allowance to noncurrent loans | 588.3929% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.1147% | 2,766 |
| Noncurrent loans to loans | 0.1566% | 2,736 |
| Net loans and leases to total assets | 72.5700% | 1,518 |
| Net loans and leases to deposits | 80.6893% | 2,051 |
| Net loans and leases to core deposits | 88.0783% | 2,173 |
| Total domestic deposits to total assets | 89.9400% | 772 |
| Equity capital to assets | 8.2544% | 3,240 |
| Core capital (leverage) ratio | 9.2089% | 3,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $179,492,000 | 3,131 |
| Average earning assets | $171,334,000 | 3,081 |
| Average equity | $14,908,800 | 3,276 |
| Average total loans | $132,883,000 | 2,837 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1547% | 1,538 |
| Cost of funding earning assets | 0.8603% | 3,373 |
| Net interest margin | 4.2944% | 806 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.7345% | 1,578 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.4348% | 1,243 |
| Return on assets (ROA) | 1.4348% | 1,226 |
| Pretax return on assets | 1.6916% | 1,175 |
| Return on Equity (ROE) | 17.2400% | 1,039 |
| Retained earnings to average equity (ytd only) | 15.1905% | 533 |
| Net charge-offs to loans | 0.0430% | 1,273 |
| Credit loss provision to net charge-offs | 192.8571% | 1,148 |
| Earnings coverage of net charge-offs (x) | 55.5952% | 1,252 |
| Efficiency ratio | 60.6571% | 2,893 |
| Assets per employee ($millions) | 4.3414% | 4,030 |
| Cash dividends to net income (ytd only)* | 11.9111% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9090% | 3,698 |
| Loan loss allowance to noncurrent loans | 323.4536% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.2128% | 2,197 |
| Noncurrent loans to loans | 0.2810% | 2,231 |
| Net loans and leases to total assets | 75.0300% | 1,231 |
| Net loans and leases to deposits | 82.3302% | 1,883 |
| Net loans and leases to core deposits | 88.0432% | 2,047 |
| Total domestic deposits to total assets | 91.1400% | 637 |
| Equity capital to assets | 8.3729% | 2,813 |
| Core capital (leverage) ratio | 9.8463% | 2,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $175,533,250 | 3,172 |
| Average earning assets | $167,376,500 | 3,126 |
| Average equity | $14,605,250 | 3,299 |
| Average total loans | $130,335,500 | 2,861 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7684% | 2,066 |
| Cost of funding earning assets | 0.7508% | 3,346 |
| Net interest margin | 4.0176% | 1,210 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.7045% | 1,633 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.1197% | 2,063 |
| Return on assets (ROA) | 1.1197% | 2,060 |
| Pretax return on assets | 1.4740% | 1,645 |
| Return on Equity (ROE) | 13.4900% | 1,794 |
| Retained earnings to average equity (ytd only) | 10.3583% | 1,318 |
| Net charge-offs to loans | 0.0548% | 977 |
| Credit loss provision to net charge-offs | 140.0000% | 1,237 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 1,428 |
| Efficiency ratio | 63.7898% | 2,512 |
| Assets per employee ($millions) | 3.9362% | 4,207 |
| Cash dividends to net income (ytd only)* | 23.1959% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9198% | 3,716 |
| Loan loss allowance to noncurrent loans | 83.9018% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.8276% | 612 |
| Noncurrent loans to loans | 1.0963% | 651 |
| Net loans and leases to total assets | 74.8000% | 1,192 |
| Net loans and leases to deposits | 84.4492% | 1,630 |
| Net loans and leases to core deposits | 88.4486% | 1,900 |
| Total domestic deposits to total assets | 88.5700% | 1,390 |
| Equity capital to assets | 8.2617% | 3,044 |
| Core capital (leverage) ratio | 9.5765% | 3,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $173,265,000 | 3,193 |
| Average earning assets | $165,422,333 | 3,154 |
| Average equity | $14,384,667 | 3,318 |
| Average total loans | $127,758,000 | 2,876 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5731% | 2,141 |
| Cost of funding earning assets | 0.6614% | 3,184 |
| Net interest margin | 3.9118% | 1,460 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.7129% | 1,642 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.0553% | 2,364 |
| Return on assets (ROA) | 1.0553% | 2,335 |
| Pretax return on assets | 1.4055% | 1,869 |
| Return on Equity (ROE) | 12.6800% | 2,057 |
| Retained earnings to average equity (ytd only) | 12.6788% | 1,147 |
| Net charge-offs to loans | 0.0032% | 1,895 |
| Credit loss provision to net charge-offs | 500.0000% | 542 |
| Earnings coverage of net charge-offs (x) | 607.0000% | 188 |
| Efficiency ratio | 65.6868% | 2,242 |
| Assets per employee ($millions) | 3.9205% | 4,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 3,687 |
| Loan loss allowance to noncurrent loans | 90.1700% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.7843% | 612 |
| Noncurrent loans to loans | 1.0625% | 681 |
| Net loans and leases to total assets | 73.1100% | 1,309 |
| Net loans and leases to deposits | 84.4101% | 1,470 |
| Net loans and leases to core deposits | 88.0120% | 1,741 |
| Total domestic deposits to total assets | 86.6200% | 2,405 |
| Equity capital to assets | 8.3895% | 2,975 |
| Core capital (leverage) ratio | 9.5254% | 3,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $171,332,000 | 3,251 |
| Average earning assets | $163,301,500 | 3,211 |
| Average equity | $14,260,000 | 3,364 |
| Average total loans | $124,777,500 | 2,936 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8955% | 1,996 |
| Cost of funding earning assets | 0.2298% | 3,519 |
| Net interest margin | 3.6656% | 1,460 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.7239% | 1,506 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.8707% | 3,079 |
| Return on assets (ROA) | 0.8625% | 3,036 |
| Pretax return on assets | 1.1304% | 2,669 |
| Return on Equity (ROE) | 9.8500% | 2,849 |
| Retained earnings to average equity (ytd only) | 5.1345% | 2,989 |
| Net charge-offs to loans | 0.0070% | 2,144 |
| Credit loss provision to net charge-offs | 775.0000% | 504 |
| Earnings coverage of net charge-offs (x) | 240.8750% | 561 |
| Efficiency ratio | 69.7962% | 1,714 |
| Assets per employee ($millions) | 4.0515% | 4,265 |
| Cash dividends to net income (ytd only)* | 47.8723% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 3,772 |
| Loan loss allowance to noncurrent loans | 557.8680% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.1158% | 2,711 |
| Noncurrent loans to loans | 0.1612% | 2,683 |
| Net loans and leases to total assets | 71.1800% | 1,503 |
| Net loans and leases to deposits | 83.4083% | 1,505 |
| Net loans and leases to core deposits | 86.5637% | 1,707 |
| Total domestic deposits to total assets | 85.3300% | 2,903 |
| Equity capital to assets | 8.2557% | 2,888 |
| Core capital (leverage) ratio | 9.6728% | 2,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1824% | 1,319 |
| Memoranda: | ||
| Average total assets | $163,479,200 | 3,320 |
| Average earning assets | $156,207,200 | 3,271 |
| Average equity | $14,314,800 | 3,429 |
| Average total loans | $114,435,400 | 2,984 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7003% | 2,051 |
| Cost of funding earning assets | 0.1919% | 3,372 |
| Net interest margin | 3.5084% | 1,644 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.7068% | 1,453 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8038% | 3,247 |
| Return on assets (ROA) | 0.7927% | 3,242 |
| Pretax return on assets | 1.0267% | 2,947 |
| Return on Equity (ROE) | 8.9200% | 3,051 |
| Retained earnings to average equity (ytd only) | 6.8327% | 2,433 |
| Net charge-offs to loans | 0.0095% | 1,775 |
| Credit loss provision to net charge-offs | 62.5000% | 1,486 |
| Earnings coverage of net charge-offs (x) | 158.5000% | 723 |
| Efficiency ratio | 72.1502% | 1,495 |
| Assets per employee ($millions) | 3.7875% | 4,402 |
| Cash dividends to net income (ytd only)* | 23.3888% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8684% | 3,946 |
| Loan loss allowance to noncurrent loans | 69.7924% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 0.9167% | 508 |
| Noncurrent loans to loans | 1.2442% | 585 |
| Net loans and leases to total assets | 73.0400% | 1,175 |
| Net loans and leases to deposits | 79.8125% | 1,587 |
| Net loans and leases to core deposits | 80.4310% | 1,870 |
| Total domestic deposits to total assets | 91.5200% | 1,044 |
| Equity capital to assets | 8.2610% | 2,712 |
| Core capital (leverage) ratio | 9.9157% | 2,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2921% | 1,342 |
| Memoranda: | ||
| Average total assets | $161,808,500 | 3,357 |
| Average earning assets | $154,976,500 | 3,306 |
| Average equity | $14,381,500 | 3,473 |
| Average total loans | $112,491,250 | 3,015 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5398% | 2,018 |
| Cost of funding earning assets | 0.1860% | 3,103 |
| Net interest margin | 3.3537% | 1,746 |
| Noninterest income to average assets | 0.3729% | 2,911 |
| Noninterest expense to average assets | 2.7103% | 1,365 |
| Loan and lease loss provision to assets | 0.0062% | 2,489 |
| Net operating income to assets | 0.6788% | 3,382 |
| Return on assets (ROA) | 0.6788% | 3,337 |
| Pretax return on assets | 0.8721% | 3,142 |
| Return on Equity (ROE) | 7.4605% | 3,172 |
| Retained earnings to average equity (ytd only) | 4.3973% | 2,922 |
| Net charge-offs to loans | 0.0055% | 1,808 |
| Credit loss provision to net charge-offs | 166.6667% | 1,049 |
| Earnings coverage of net charge-offs (x) | 236.3333% | 487 |
| Efficiency ratio | 75.5264% | 1,330 |
| Assets per employee ($millions) | 3.6287% | 4,513 |
| Cash dividends to net income (ytd only)* | 41.0584% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9399% | 3,832 |
| Loan loss allowance to noncurrent loans | 71.2245% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 0.9002% | 557 |
| Noncurrent loans to loans | 1.3196% | 594 |
| Net loans and leases to total assets | 67.5773% | 1,516 |
| Net loans and leases to deposits | 74.0607% | 1,865 |
| Net loans and leases to core deposits | 74.4937% | 2,129 |
| Total domestic deposits to total assets | 91.2458% | 1,134 |
| Equity capital to assets | 8.5454% | 2,729 |
| Core capital (leverage) ratio | 9.4928% | 2,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6862% | 1,261 |
| Memoranda: | ||
| Average total assets | $161,457,667 | 3,397 |
| Average earning assets | $154,813,000 | 3,351 |
| Average equity | $14,690,667 | 3,529 |
| Average total loans | $109,989,333 | 3,062 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4578% | 1,926 |
| Cost of funding earning assets | 0.1765% | 3,134 |
| Net interest margin | 3.2813% | 1,616 |
| Noninterest income to average assets | 0.3588% | 2,941 |
| Noninterest expense to average assets | 2.7109% | 1,333 |
| Loan and lease loss provision to assets | 0.0125% | 2,119 |
| Net operating income to assets | 0.6154% | 3,343 |
| Return on assets (ROA) | 0.6154% | 3,328 |
| Pretax return on assets | 0.7849% | 3,155 |
| Return on Equity (ROE) | 6.5609% | 3,176 |
| Retained earnings to average equity (ytd only) | 6.5609% | 2,050 |
| Net charge-offs to loans | 0.0073% | 1,480 |
| Credit loss provision to net charge-offs | 200.0000% | 773 |
| Earnings coverage of net charge-offs (x) | 160.0000% | 511 |
| Efficiency ratio | 77.2727% | 1,371 |
| Assets per employee ($millions) | 3.8273% | 4,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9286% | 3,964 |
| Loan loss allowance to noncurrent loans | 59.4886% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 1.0694% | 451 |
| Noncurrent loans to loans | 1.5609% | 515 |
| Net loans and leases to total assets | 67.8760% | 1,225 |
| Net loans and leases to deposits | 74.6330% | 1,553 |
| Net loans and leases to core deposits | 74.8912% | 1,862 |
| Total domestic deposits to total assets | 90.9464% | 1,061 |
| Equity capital to assets | 8.8410% | 2,850 |
| Core capital (leverage) ratio | 9.9039% | 2,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4343% | 1,398 |
| Memoranda: | ||
| Average total assets | $160,540,000 | 3,417 |
| Average earning assets | $154,087,500 | 3,373 |
| Average equity | $15,059,000 | 3,559 |
| Average total loans | $109,286,000 | 3,073 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4162% | 697 |
| Cost of funding earning assets | 0.2434% | 3,015 |
| Net interest margin | 4.1729% | 513 |
| Noninterest income to average assets | 0.3759% | 3,181 |
| Noninterest expense to average assets | 3.1564% | 778 |
| Loan and lease loss provision to assets | 0.0815% | 1,502 |
| Net operating income to assets | 0.8791% | 3,114 |
| Return on assets (ROA) | 0.8791% | 3,173 |
| Pretax return on assets | 1.1414% | 2,848 |
| Return on Equity (ROE) | 8.1569% | 3,171 |
| Retained earnings to average equity (ytd only) | 3.8688% | 3,272 |
| Net charge-offs to loans | 0.0170% | 1,948 |
| Credit loss provision to net charge-offs | 700.0000% | 660 |
| Earnings coverage of net charge-offs (x) | 105.0588% | 859 |
| Efficiency ratio | 72.0763% | 1,505 |
| Assets per employee ($millions) | 3.4023% | 4,610 |
| Cash dividends to net income (ytd only)* | 52.5701% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9875% | 3,797 |
| Loan loss allowance to noncurrent loans | 59.0062% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 1.1316% | 454 |
| Noncurrent loans to loans | 1.6736% | 510 |
| Net loans and leases to total assets | 66.9455% | 1,377 |
| Net loans and leases to deposits | 74.5190% | 1,686 |
| Net loans and leases to core deposits | 74.9272% | 2,002 |
| Total domestic deposits to total assets | 89.8367% | 1,041 |
| Equity capital to assets | 9.9473% | 2,700 |
| Core capital (leverage) ratio | 10.1187% | 2,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9523% | 1,859 |
| Memoranda: | ||
| Average total assets | $146,052,800 | 3,520 |
| Average earning assets | $140,119,800 | 3,472 |
| Average equity | $15,741,200 | 3,567 |
| Average total loans | $100,271,800 | 3,192 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7885% | 417 |
| Cost of funding earning assets | 0.2628% | 2,985 |
| Net interest margin | 4.5257% | 301 |
| Noninterest income to average assets | 0.3765% | 3,224 |
| Noninterest expense to average assets | 3.2264% | 686 |
| Loan and lease loss provision to assets | 0.1108% | 1,092 |
| Net operating income to assets | 1.0522% | 2,722 |
| Return on assets (ROA) | 1.0522% | 2,789 |
| Pretax return on assets | 1.3766% | 2,417 |
| Return on Equity (ROE) | 9.5619% | 2,904 |
| Retained earnings to average equity (ytd only) | 7.4502% | 2,249 |
| Net charge-offs to loans | 0.0148% | 1,791 |
| Credit loss provision to net charge-offs | 1,081.8182% | 494 |
| Earnings coverage of net charge-offs (x) | 145.4545% | 691 |
| Efficiency ratio | 68.4480% | 1,767 |
| Assets per employee ($millions) | 3.2074% | 4,714 |
| Cash dividends to net income (ytd only)* | 22.0848% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0427% | 3,698 |
| Loan loss allowance to noncurrent loans | 51.4188% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.3559% | 402 |
| Noncurrent loans to loans | 2.0278% | 427 |
| Net loans and leases to total assets | 66.1674% | 1,525 |
| Net loans and leases to deposits | 74.2357% | 1,832 |
| Net loans and leases to core deposits | 74.6613% | 2,176 |
| Total domestic deposits to total assets | 89.1315% | 1,208 |
| Equity capital to assets | 10.6051% | 2,358 |
| Core capital (leverage) ratio | 10.6842% | 1,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7587% | 998 |
| Memoranda: | ||
| Average total assets | $143,439,750 | 3,587 |
| Average earning assets | $137,464,250 | 3,535 |
| Average equity | $15,784,500 | 3,605 |
| Average total loans | $98,885,250 | 3,258 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4995% | 173 |
| Cost of funding earning assets | 0.2666% | 3,116 |
| Net interest margin | 5.2329% | 130 |
| Noninterest income to average assets | 0.3801% | 3,213 |
| Noninterest expense to average assets | 2.9602% | 1,049 |
| Loan and lease loss provision to assets | 0.1007% | 1,258 |
| Net operating income to assets | 1.7602% | 781 |
| Return on assets (ROA) | 1.7602% | 823 |
| Pretax return on assets | 2.3304% | 460 |
| Return on Equity (ROE) | 15.7918% | 993 |
| Retained earnings to average equity (ytd only) | 12.6105% | 788 |
| Net charge-offs to loans | 0.0020% | 2,133 |
| Credit loss provision to net charge-offs | 7,100.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 1,714.0000% | 67 |
| Efficiency ratio | 54.9066% | 3,687 |
| Assets per employee ($millions) | 3.0236% | 4,781 |
| Cash dividends to net income (ytd only)* | 20.1450% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9820% | 3,875 |
| Loan loss allowance to noncurrent loans | 47.5141% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 1.4835% | 387 |
| Noncurrent loans to loans | 2.0669% | 458 |
| Net loans and leases to total assets | 70.3757% | 1,151 |
| Net loans and leases to deposits | 82.7278% | 1,148 |
| Net loans and leases to core deposits | 83.2435% | 1,621 |
| Total domestic deposits to total assets | 85.0690% | 3,061 |
| Equity capital to assets | 11.1276% | 1,895 |
| Core capital (leverage) ratio | 11.0250% | 1,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2485% | 922 |
| Memoranda: | ||
| Average total assets | $141,003,667 | 3,625 |
| Average earning assets | $135,029,667 | 3,572 |
| Average equity | $15,717,000 | 3,614 |
| Average total loans | $98,248,000 | 3,280 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4860% | 194 |
| Cost of funding earning assets | 0.2701% | 3,273 |
| Net interest margin | 5.2159% | 145 |
| Noninterest income to average assets | 0.3800% | 3,197 |
| Noninterest expense to average assets | 3.1410% | 788 |
| Loan and lease loss provision to assets | 0.0662% | 1,821 |
| Net operating income to assets | 1.6468% | 1,023 |
| Return on assets (ROA) | 1.6468% | 1,076 |
| Pretax return on assets | 2.1765% | 714 |
| Return on Equity (ROE) | 14.7608% | 1,266 |
| Retained earnings to average equity (ytd only) | 14.7608% | 653 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3422% | 3,253 |
| Assets per employee ($millions) | 3.4190% | 4,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 4,018 |
| Loan loss allowance to noncurrent loans | 43.7104% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 1.5537% | 392 |
| Noncurrent loans to loans | 2.1734% | 462 |
| Net loans and leases to total assets | 70.1400% | 1,269 |
| Net loans and leases to deposits | 82.5748% | 1,289 |
| Net loans and leases to core deposits | 82.7546% | 1,774 |
| Total domestic deposits to total assets | 84.9412% | 3,123 |
| Equity capital to assets | 10.9577% | 1,893 |
| Core capital (leverage) ratio | 11.2574% | 1,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7541% | 1,655 |
| Memoranda: | ||
| Average total assets | $138,938,500 | 3,651 |
| Average earning assets | $133,284,500 | 3,593 |
| Average equity | $15,500,500 | 3,636 |
| Average total loans | $95,796,000 | 3,327 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3469% | 1,729 |
| Cost of funding earning assets | 0.4783% | 3,094 |
| Net interest margin | 3.8686% | 1,312 |
| Noninterest income to average assets | 0.4294% | 2,964 |
| Noninterest expense to average assets | 2.8499% | 1,817 |
| Loan and lease loss provision to assets | 0.0081% | 4,254 |
| Net operating income to assets | 1.0499% | 2,105 |
| Return on assets (ROA) | 1.0499% | 2,245 |
| Pretax return on assets | 1.2735% | 2,070 |
| Return on Equity (ROE) | 8.6515% | 2,535 |
| Retained earnings to average equity (ytd only) | 4.3124% | 2,642 |
| Net charge-offs to loans | -0.0133% | 4,328 |
| Credit loss provision to net charge-offs | -90.9091% | 3,726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9804% | 2,099 |
| Assets per employee ($millions) | 3.3570% | 4,703 |
| Cash dividends to net income (ytd only)* | 50.1543% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 3,692 |
| Loan loss allowance to noncurrent loans | 39.1774% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 1.8082% | 339 |
| Noncurrent loans to loans | 2.6772% | 359 |
| Net loans and leases to total assets | 66.2526% | 2,064 |
| Net loans and leases to deposits | 78.7466% | 2,001 |
| Net loans and leases to core deposits | 78.9318% | 2,463 |
| Total domestic deposits to total assets | 84.1339% | 3,075 |
| Equity capital to assets | 11.3688% | 1,978 |
| Core capital (leverage) ratio | 11.1219% | 1,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6315% | 819 |
| Memoranda: | ||
| Average total assets | $123,440,800 | 3,706 |
| Average earning assets | $118,131,000 | 3,643 |
| Average equity | $14,980,000 | 3,654 |
| Average total loans | $82,709,000 | 3,513 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5899% | 1,337 |
| Cost of funding earning assets | 0.4920% | 3,276 |
| Net interest margin | 4.0979% | 900 |
| Noninterest income to average assets | 0.4340% | 2,914 |
| Noninterest expense to average assets | 2.7940% | 1,982 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2700% | 1,421 |
| Return on assets (ROA) | 1.2700% | 1,534 |
| Pretax return on assets | 1.5582% | 1,306 |
| Return on Equity (ROE) | 10.2847% | 1,913 |
| Retained earnings to average equity (ytd only) | 7.6017% | 1,461 |
| Net charge-offs to loans | -0.0214% | 4,443 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1969% | 2,703 |
| Assets per employee ($millions) | 3.2062% | 4,779 |
| Cash dividends to net income (ytd only)* | 26.0870% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 3,393 |
| Loan loss allowance to noncurrent loans | 80.8824% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 0.9014% | 1,276 |
| Noncurrent loans to loans | 1.3154% | 1,126 |
| Net loans and leases to total assets | 67.7944% | 2,275 |
| Net loans and leases to deposits | 81.6991% | 2,129 |
| Net loans and leases to core deposits | 82.1018% | 2,654 |
| Total domestic deposits to total assets | 82.9806% | 3,149 |
| Equity capital to assets | 12.0602% | 1,638 |
| Core capital (leverage) ratio | 11.8013% | 1,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8813% | 692 |
| Memoranda: | ||
| Average total assets | $120,731,000 | 3,729 |
| Average earning assets | $115,438,250 | 3,673 |
| Average equity | $14,908,500 | 3,666 |
| Average total loans | $80,909,500 | 3,557 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8881% | 995 |
| Cost of funding earning assets | 0.5101% | 3,476 |
| Net interest margin | 4.3780% | 648 |
| Noninterest income to average assets | 0.4314% | 2,900 |
| Noninterest expense to average assets | 2.8133% | 2,070 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.4616% | 995 |
| Return on assets (ROA) | 1.4616% | 1,084 |
| Pretax return on assets | 1.8000% | 816 |
| Return on Equity (ROE) | 11.7373% | 1,411 |
| Retained earnings to average equity (ytd only) | 7.6618% | 1,412 |
| Net charge-offs to loans | 0.0127% | 2,513 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 212.8000% | 423 |
| Efficiency ratio | 60.9828% | 3,280 |
| Assets per employee ($millions) | 3.3630% | 4,724 |
| Cash dividends to net income (ytd only)* | 34.7222% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0853% | 3,150 |
| Loan loss allowance to noncurrent loans | 87.7512% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.8177% | 1,519 |
| Noncurrent loans to loans | 1.2368% | 1,256 |
| Net loans and leases to total assets | 65.3954% | 2,705 |
| Net loans and leases to deposits | 78.8601% | 2,564 |
| Net loans and leases to core deposits | 79.9395% | 2,950 |
| Total domestic deposits to total assets | 82.9258% | 3,106 |
| Equity capital to assets | 11.8573% | 1,753 |
| Core capital (leverage) ratio | 12.1303% | 1,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1514% | 655 |
| Memoranda: | ||
| Average total assets | $118,225,333 | 3,746 |
| Average earning assets | $112,928,333 | 3,692 |
| Average equity | $14,722,333 | 3,688 |
| Average total loans | $78,586,000 | 3,608 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5808% | 2,057 |
| Cost of funding earning assets | 0.5348% | 3,770 |
| Net interest margin | 4.0460% | 1,265 |
| Noninterest income to average assets | 0.4725% | 2,694 |
| Noninterest expense to average assets | 2.8984% | 2,131 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1883% | 1,554 |
| Return on assets (ROA) | 1.1883% | 1,672 |
| Pretax return on assets | 1.4422% | 1,458 |
| Return on Equity (ROE) | 9.2921% | 1,996 |
| Retained earnings to average equity (ytd only) | 7.9134% | 1,252 |
| Net charge-offs to loans | 0.0317% | 1,754 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 68.1667% | 739 |
| Efficiency ratio | 66.7750% | 2,849 |
| Assets per employee ($millions) | 3.0278% | 4,781 |
| Cash dividends to net income (ytd only)* | 14.8368% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 2,627 |
| Loan loss allowance to noncurrent loans | 83.5766% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 0.9526% | 1,398 |
| Noncurrent loans to loans | 1.4448% | 1,106 |
| Net loans and leases to total assets | 65.1352% | 2,920 |
| Net loans and leases to deposits | 80.0380% | 2,675 |
| Net loans and leases to core deposits | 81.2758% | 3,087 |
| Total domestic deposits to total assets | 81.3804% | 3,576 |
| Equity capital to assets | 12.7190% | 1,607 |
| Core capital (leverage) ratio | 12.8203% | 1,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6693% | 679 |
| Memoranda: | ||
| Average total assets | $113,440,500 | 3,798 |
| Average earning assets | $108,451,500 | 3,740 |
| Average equity | $14,507,000 | 3,715 |
| Average total loans | $75,634,500 | 3,648 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8860% | 1,792 |
| Cost of funding earning assets | 0.4890% | 4,138 |
| Net interest margin | 4.3971% | 896 |
| Noninterest income to average assets | 0.5124% | 2,663 |
| Noninterest expense to average assets | 2.9628% | 2,116 |
| Loan and lease loss provision to assets | 0.0540% | 2,953 |
| Net operating income to assets | 1.3760% | 1,429 |
| Return on assets (ROA) | 1.3760% | 1,501 |
| Pretax return on assets | 1.6903% | 1,213 |
| Return on Equity (ROE) | 10.9617% | 1,905 |
| Retained earnings to average equity (ytd only) | 6.0476% | 1,841 |
| Net charge-offs to loans | -0.0014% | 4,191 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9424% | 3,225 |
| Assets per employee ($millions) | 2.7956% | 4,907 |
| Cash dividends to net income (ytd only)* | 44.8298% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 2,309 |
| Loan loss allowance to noncurrent loans | 83.7421% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 0.9846% | 1,271 |
| Noncurrent loans to loans | 1.4600% | 999 |
| Net loans and leases to total assets | 66.6121% | 2,884 |
| Net loans and leases to deposits | 82.3802% | 2,512 |
| Net loans and leases to core deposits | 83.6955% | 2,979 |
| Total domestic deposits to total assets | 80.8594% | 3,797 |
| Equity capital to assets | 12.8594% | 1,608 |
| Core capital (leverage) ratio | 12.9053% | 1,281 |
| Tier 1 risk-based capital ratio | 20.3256% | 1,273 |
| Total risk-based capital ratio | 21.5759% | 1,249 |
| Memoranda: | ||
| Average total assets | $111,044,600 | 3,816 |
| Average earning assets | $105,934,400 | 3,781 |
| Average equity | $13,939,400 | 3,761 |
| Average total loans | $74,074,000 | 3,703 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9285% | 1,734 |
| Cost of funding earning assets | 0.4768% | 4,232 |
| Net interest margin | 4.4517% | 853 |
| Noninterest income to average assets | 0.5064% | 2,686 |
| Noninterest expense to average assets | 2.8927% | 2,282 |
| Loan and lease loss provision to assets | 0.0361% | 3,171 |
| Net operating income to assets | 1.4819% | 1,237 |
| Return on assets (ROA) | 1.4819% | 1,295 |
| Pretax return on assets | 1.8222% | 1,027 |
| Return on Equity (ROE) | 11.8779% | 1,664 |
| Retained earnings to average equity (ytd only) | 9.3230% | 953 |
| Net charge-offs to loans | -0.0036% | 4,138 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8861% | 3,492 |
| Assets per employee ($millions) | 2.7557% | 4,990 |
| Cash dividends to net income (ytd only)* | 21.5094% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 2,651 |
| Loan loss allowance to noncurrent loans | 91.5897% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 0.8845% | 1,547 |
| Noncurrent loans to loans | 1.2806% | 1,216 |
| Net loans and leases to total assets | 68.2637% | 2,749 |
| Net loans and leases to deposits | 85.2287% | 2,293 |
| Net loans and leases to core deposits | 86.6179% | 2,855 |
| Total domestic deposits to total assets | 80.0947% | 3,973 |
| Equity capital to assets | 13.1873% | 1,520 |
| Core capital (leverage) ratio | 12.9968% | 1,345 |
| Tier 1 risk-based capital ratio | 20.6423% | 1,249 |
| Total risk-based capital ratio | 21.8926% | 1,222 |
| Memoranda: | ||
| Average total assets | $110,849,500 | 3,862 |
| Average earning assets | $105,694,750 | 3,825 |
| Average equity | $13,829,250 | 3,812 |
| Average total loans | $73,739,750 | 3,744 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5936% | 2,696 |
| Cost of funding earning assets | 0.4586% | 4,293 |
| Net interest margin | 4.1350% | 1,508 |
| Noninterest income to average assets | 0.4934% | 2,710 |
| Noninterest expense to average assets | 2.9138% | 2,249 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2462% | 1,975 |
| Return on assets (ROA) | 1.2462% | 2,031 |
| Pretax return on assets | 1.5253% | 1,772 |
| Return on Equity (ROE) | 10.1812% | 2,300 |
| Retained earnings to average equity (ytd only) | 6.8708% | 1,866 |
| Net charge-offs to loans | -0.0219% | 4,568 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6389% | 2,864 |
| Assets per employee ($millions) | 2.7348% | 5,049 |
| Cash dividends to net income (ytd only)* | 32.5145% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 2,619 |
| Loan loss allowance to noncurrent loans | 58.8753% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.3164% | 952 |
| Noncurrent loans to loans | 2.0076% | 710 |
| Net loans and leases to total assets | 64.7938% | 3,261 |
| Net loans and leases to deposits | 80.2603% | 2,922 |
| Net loans and leases to core deposits | 81.3031% | 3,311 |
| Total domestic deposits to total assets | 80.7295% | 3,886 |
| Equity capital to assets | 12.4682% | 1,876 |
| Core capital (leverage) ratio | 12.4309% | 1,572 |
| Tier 1 risk-based capital ratio | 20.0305% | 1,348 |
| Total risk-based capital ratio | 21.2787% | 1,320 |
| Memoranda: | ||
| Average total assets | $111,057,000 | 3,885 |
| Average earning assets | $105,974,330 | 3,839 |
| Average equity | $13,593,670 | 3,847 |
| Average total loans | $72,940,330 | 3,784 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4950% | 2,884 |
| Cost of funding earning assets | 0.4522% | 4,275 |
| Net interest margin | 4.0428% | 1,709 |
| Noninterest income to average assets | 0.4777% | 2,692 |
| Noninterest expense to average assets | 2.9822% | 2,044 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1002% | 2,465 |
| Return on assets (ROA) | 1.1002% | 2,512 |
| Pretax return on assets | 1.3463% | 2,270 |
| Return on Equity (ROE) | 9.0743% | 2,778 |
| Retained earnings to average equity (ytd only) | 9.0743% | 1,296 |
| Net charge-offs to loans | -0.0275% | 4,613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8963% | 2,518 |
| Assets per employee ($millions) | 2.7932% | 5,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 2,570 |
| Loan loss allowance to noncurrent loans | 73.3277% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.0571% | 1,309 |
| Noncurrent loans to loans | 1.6371% | 964 |
| Net loans and leases to total assets | 63.7936% | 3,314 |
| Net loans and leases to deposits | 78.9993% | 2,948 |
| Net loans and leases to core deposits | 79.7561% | 3,393 |
| Total domestic deposits to total assets | 80.7520% | 4,014 |
| Equity capital to assets | 12.2245% | 1,895 |
| Core capital (leverage) ratio | 12.5019% | 1,511 |
| Tier 1 risk-based capital ratio | 20.2698% | 1,291 |
| Total risk-based capital ratio | 21.5199% | 1,260 |
| Memoranda: | ||
| Average total assets | $110,523,000 | 3,928 |
| Average earning assets | $105,272,500 | 3,896 |
| Average equity | $13,400,500 | 3,891 |
| Average total loans | $72,651,000 | 3,824 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3572% | 2,905 |
| Cost of funding earning assets | 0.4037% | 3,965 |
| Net interest margin | 3.9535% | 2,148 |
| Noninterest income to average assets | 0.5174% | 2,732 |
| Noninterest expense to average assets | 2.8904% | 2,389 |
| Loan and lease loss provision to assets | 0.1337% | 1,625 |
| Net operating income to assets | 1.0374% | 2,857 |
| Return on assets (ROA) | 1.0374% | 2,840 |
| Pretax return on assets | 1.2602% | 2,653 |
| Return on Equity (ROE) | 8.8645% | 3,059 |
| Retained earnings to average equity (ytd only) | 4.3973% | 3,120 |
| Net charge-offs to loans | 0.0169% | 3,124 |
| Credit loss provision to net charge-offs | 1,225.0000% | 326 |
| Earnings coverage of net charge-offs (x) | 127.7500% | 626 |
| Efficiency ratio | 67.4660% | 2,632 |
| Assets per employee ($millions) | 2.7330% | 5,124 |
| Cash dividends to net income (ytd only)* | 50.3944% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1768% | 2,681 |
| Loan loss allowance to noncurrent loans | 76.6014% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 1.0282% | 1,329 |
| Noncurrent loans to loans | 1.5363% | 982 |
| Net loans and leases to total assets | 66.1370% | 3,109 |
| Net loans and leases to deposits | 82.1173% | 2,716 |
| Net loans and leases to core deposits | 82.9225% | 3,187 |
| Total domestic deposits to total assets | 80.5397% | 3,989 |
| Equity capital to assets | 12.0225% | 1,880 |
| Core capital (leverage) ratio | 12.3009% | 1,562 |
| Tier 1 risk-based capital ratio | 19.6767% | 1,360 |
| Total risk-based capital ratio | 20.9263% | 1,335 |
| Memoranda: | ||
| Average total assets | $109,983,200 | 3,946 |
| Average earning assets | $104,792,200 | 3,898 |
| Average equity | $12,871,600 | 3,903 |
| Average total loans | $70,956,800 | 3,852 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2877% | 3,012 |
| Cost of funding earning assets | 0.3911% | 3,925 |
| Net interest margin | 3.8966% | 2,316 |
| Noninterest income to average assets | 0.5096% | 2,809 |
| Noninterest expense to average assets | 2.8785% | 2,376 |
| Loan and lease loss provision to assets | 0.1574% | 1,238 |
| Net operating income to assets | 0.9768% | 3,186 |
| Return on assets (ROA) | 0.9768% | 3,200 |
| Pretax return on assets | 1.1887% | 3,035 |
| Return on Equity (ROE) | 8.4036% | 3,376 |
| Retained earnings to average equity (ytd only) | 6.0606% | 2,625 |
| Net charge-offs to loans | 0.0246% | 2,630 |
| Credit loss provision to net charge-offs | 1,000.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 85.5528% | 846 |
| Efficiency ratio | 68.1375% | 2,512 |
| Assets per employee ($millions) | 2.7391% | 5,193 |
| Cash dividends to net income (ytd only)* | 27.8809% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 2,635 |
| Loan loss allowance to noncurrent loans | 76.4279% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 1.0067% | 1,443 |
| Noncurrent loans to loans | 1.5682% | 1,018 |
| Net loans and leases to total assets | 63.4269% | 3,496 |
| Net loans and leases to deposits | 78.9128% | 3,151 |
| Net loans and leases to core deposits | 79.6856% | 3,521 |
| Total domestic deposits to total assets | 80.3759% | 4,024 |
| Equity capital to assets | 11.8351% | 2,015 |
| Core capital (leverage) ratio | 12.2850% | 1,628 |
| Tier 1 risk-based capital ratio | 20.1026% | 1,317 |
| Total risk-based capital ratio | 21.3524% | 1,285 |
| Memoranda: | ||
| Average total assets | $110,149,000 | 3,984 |
| Average earning assets | $105,012,000 | 3,938 |
| Average equity | $12,803,750 | 3,943 |
| Average total loans | $70,405,500 | 3,901 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2285% | 3,021 |
| Cost of funding earning assets | 0.3725% | 3,922 |
| Net interest margin | 3.8560% | 2,358 |
| Noninterest income to average assets | 0.5003% | 2,869 |
| Noninterest expense to average assets | 2.7967% | 2,667 |
| Loan and lease loss provision to assets | 0.1233% | 1,605 |
| Net operating income to assets | 1.0349% | 2,873 |
| Return on assets (ROA) | 1.0349% | 2,872 |
| Pretax return on assets | 1.2579% | 2,688 |
| Return on Equity (ROE) | 8.9573% | 3,039 |
| Retained earnings to average equity (ytd only) | 5.4277% | 2,858 |
| Net charge-offs to loans | 0.0312% | 2,227 |
| Credit loss provision to net charge-offs | 618.1818% | 608 |
| Earnings coverage of net charge-offs (x) | 69.2727% | 916 |
| Efficiency ratio | 66.9414% | 2,835 |
| Assets per employee ($millions) | 2.7346% | 5,245 |
| Cash dividends to net income (ytd only)* | 39.4046% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 3,202 |
| Loan loss allowance to noncurrent loans | 41.8493% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 1.7105% | 715 |
| Noncurrent loans to loans | 2.6538% | 465 |
| Net loans and leases to total assets | 63.7399% | 3,429 |
| Net loans and leases to deposits | 79.6909% | 2,979 |
| Net loans and leases to core deposits | 80.4756% | 3,377 |
| Total domestic deposits to total assets | 79.9839% | 4,242 |
| Equity capital to assets | 11.7177% | 2,048 |
| Core capital (leverage) ratio | 12.0156% | 1,705 |
| Tier 1 risk-based capital ratio | 19.7686% | 1,366 |
| Total risk-based capital ratio | 20.9374% | 1,352 |
| Memoranda: | ||
| Average total assets | $110,344,000 | 4,010 |
| Average earning assets | $105,238,330 | 3,965 |
| Average equity | $12,749,330 | 3,969 |
| Average total loans | $70,428,670 | 3,925 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1188% | 3,172 |
| Cost of funding earning assets | 0.3724% | 3,805 |
| Net interest margin | 3.7465% | 2,629 |
| Noninterest income to average assets | 0.4836% | 2,908 |
| Noninterest expense to average assets | 2.7900% | 2,730 |
| Loan and lease loss provision to assets | 0.1083% | 1,725 |
| Net operating income to assets | 0.9456% | 3,089 |
| Return on assets (ROA) | 0.9456% | 3,107 |
| Pretax return on assets | 1.1441% | 2,990 |
| Return on Equity (ROE) | 8.2419% | 3,277 |
| Retained earnings to average equity (ytd only) | 8.2419% | 1,752 |
| Net charge-offs to loans | 0.0341% | 1,830 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 57.8333% | 863 |
| Efficiency ratio | 69.0179% | 2,662 |
| Assets per employee ($millions) | 2.6791% | 5,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 3,676 |
| Loan loss allowance to noncurrent loans | 40.0855% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 1.7033% | 748 |
| Noncurrent loans to loans | 2.6133% | 499 |
| Net loans and leases to total assets | 64.4966% | 3,243 |
| Net loans and leases to deposits | 80.5002% | 2,753 |
| Net loans and leases to core deposits | 81.2871% | 3,212 |
| Total domestic deposits to total assets | 80.1198% | 4,394 |
| Equity capital to assets | 11.6029% | 2,057 |
| Core capital (leverage) ratio | 11.9537% | 1,676 |
| Tier 1 risk-based capital ratio | 18.6409% | 1,652 |
| Total risk-based capital ratio | 19.7034% | 1,670 |
| Memoranda: | ||
| Average total assets | $110,825,000 | 4,051 |
| Average earning assets | $105,272,500 | 4,007 |
| Average equity | $12,715,500 | 4,014 |
| Average total loans | $70,391,500 | 3,962 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0546% | 3,228 |
| Cost of funding earning assets | 0.3963% | 3,292 |
| Net interest margin | 3.6583% | 2,960 |
| Noninterest income to average assets | 0.5763% | 2,576 |
| Noninterest expense to average assets | 2.7965% | 2,787 |
| Loan and lease loss provision to assets | 0.0421% | 3,412 |
| Net operating income to assets | 0.9084% | 2,665 |
| Return on assets (ROA) | 0.9084% | 2,690 |
| Pretax return on assets | 1.2340% | 2,617 |
| Return on Equity (ROE) | 7.8911% | 2,842 |
| Retained earnings to average equity (ytd only) | 3.9972% | 2,799 |
| Net charge-offs to loans | 0.0333% | 3,124 |
| Credit loss provision to net charge-offs | 209.0909% | 1,307 |
| Earnings coverage of net charge-offs (x) | 63.4091% | 920 |
| Efficiency ratio | 68.6658% | 2,762 |
| Assets per employee ($millions) | 2.7952% | 5,326 |
| Cash dividends to net income (ytd only)* | 49.3454% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 3,626 |
| Loan loss allowance to noncurrent loans | 72.4551% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 0.8962% | 1,736 |
| Noncurrent loans to loans | 1.4482% | 1,181 |
| Net loans and leases to total assets | 61.2323% | 3,707 |
| Net loans and leases to deposits | 76.6609% | 3,261 |
| Net loans and leases to core deposits | 78.0719% | 3,577 |
| Total domestic deposits to total assets | 79.8742% | 4,359 |
| Equity capital to assets | 11.3463% | 2,331 |
| Core capital (leverage) ratio | 11.6874% | 1,802 |
| Tier 1 risk-based capital ratio | 18.1603% | 1,762 |
| Total risk-based capital ratio | 19.1825% | 1,767 |
| Memoranda: | ||
| Average total assets | $109,316,200 | 4,073 |
| Average earning assets | $104,475,000 | 4,014 |
| Average equity | $12,583,800 | 4,044 |
| Average total loans | $66,065,200 | 4,053 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0127% | 3,305 |
| Cost of funding earning assets | 0.4020% | 3,168 |
| Net interest margin | 3.6106% | 3,107 |
| Noninterest income to average assets | 0.5974% | 2,501 |
| Noninterest expense to average assets | 2.8140% | 2,682 |
| Loan and lease loss provision to assets | 0.0405% | 3,303 |
| Net operating income to assets | 0.8881% | 3,083 |
| Return on assets (ROA) | 0.8881% | 3,137 |
| Pretax return on assets | 1.1911% | 2,943 |
| Return on Equity (ROE) | 7.6867% | 3,299 |
| Retained earnings to average equity (ytd only) | 5.8287% | 2,357 |
| Net charge-offs to loans | 0.0327% | 2,780 |
| Credit loss provision to net charge-offs | 206.2500% | 1,317 |
| Earnings coverage of net charge-offs (x) | 62.7581% | 965 |
| Efficiency ratio | 69.5573% | 2,609 |
| Assets per employee ($millions) | 2.6236% | 5,474 |
| Cash dividends to net income (ytd only)* | 24.1715% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0632% | 3,714 |
| Loan loss allowance to noncurrent loans | 61.7167% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 1.0830% | 1,543 |
| Noncurrent loans to loans | 1.7227% | 1,048 |
| Net loans and leases to total assets | 62.2022% | 3,630 |
| Net loans and leases to deposits | 79.1429% | 3,055 |
| Net loans and leases to core deposits | 80.3567% | 3,423 |
| Total domestic deposits to total assets | 78.5947% | 4,610 |
| Equity capital to assets | 12.0148% | 1,958 |
| Core capital (leverage) ratio | 11.8641% | 1,776 |
| Tier 1 risk-based capital ratio | 19.5177% | 1,475 |
| Total risk-based capital ratio | 20.6020% | 1,465 |
| Memoranda: | ||
| Average total assets | $108,693,500 | 4,122 |
| Average earning assets | $103,801,750 | 4,069 |
| Average equity | $12,558,250 | 4,090 |
| Average total loans | $65,284,500 | 4,099 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9276% | 3,454 |
| Cost of funding earning assets | 0.4035% | 3,035 |
| Net interest margin | 3.5241% | 3,312 |
| Noninterest income to average assets | 0.6363% | 2,280 |
| Noninterest expense to average assets | 2.8037% | 2,746 |
| Loan and lease loss provision to assets | 0.0440% | 3,113 |
| Net operating income to assets | 0.8765% | 3,034 |
| Return on assets (ROA) | 0.8765% | 3,091 |
| Pretax return on assets | 1.1516% | 2,970 |
| Return on Equity (ROE) | 7.6872% | 3,205 |
| Retained earnings to average equity (ytd only) | 4.8728% | 2,794 |
| Net charge-offs to loans | 0.0496% | 2,223 |
| Credit loss provision to net charge-offs | 150.0000% | 1,520 |
| Earnings coverage of net charge-offs (x) | 40.7500% | 1,233 |
| Efficiency ratio | 70.1055% | 2,656 |
| Assets per employee ($millions) | 2.6468% | 5,494 |
| Cash dividends to net income (ytd only)* | 36.6109% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1095% | 3,532 |
| Loan loss allowance to noncurrent loans | 67.8776% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 0.9409% | 1,868 |
| Noncurrent loans to loans | 1.6345% | 1,126 |
| Net loans and leases to total assets | 56.9275% | 4,128 |
| Net loans and leases to deposits | 72.0520% | 3,733 |
| Net loans and leases to core deposits | 73.1134% | 4,014 |
| Total domestic deposits to total assets | 79.0089% | 4,619 |
| Equity capital to assets | 11.4244% | 2,395 |
| Core capital (leverage) ratio | 11.6325% | 1,876 |
| Tier 1 risk-based capital ratio | 17.7954% | 1,926 |
| Total risk-based capital ratio | 18.7905% | 1,945 |
| Memoranda: | ||
| Average total assets | $109,069,000 | 4,142 |
| Average earning assets | $104,083,670 | 4,094 |
| Average equity | $12,436,330 | 4,123 |
| Average total loans | $64,503,330 | 4,136 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8986% | 3,407 |
| Cost of funding earning assets | 0.4128% | 2,878 |
| Net interest margin | 3.4857% | 3,330 |
| Noninterest income to average assets | 0.4740% | 3,160 |
| Noninterest expense to average assets | 2.8254% | 2,705 |
| Loan and lease loss provision to assets | 0.0518% | 2,771 |
| Net operating income to assets | 0.6665% | 3,849 |
| Return on assets (ROA) | 0.6665% | 3,890 |
| Pretax return on assets | 0.9109% | 3,725 |
| Return on Equity (ROE) | 5.8515% | 3,979 |
| Retained earnings to average equity (ytd only) | 5.8515% | 2,409 |
| Net charge-offs to loans | 0.1235% | 1,180 |
| Credit loss provision to net charge-offs | 70.0000% | 1,834 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,808 |
| Efficiency ratio | 74.5846% | 2,129 |
| Assets per employee ($millions) | 2.6535% | 5,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0830% | 3,807 |
| Loan loss allowance to noncurrent loans | 157.8231% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4054% | 3,572 |
| Noncurrent loans to loans | 0.6862% | 2,789 |
| Net loans and leases to total assets | 58.4325% | 3,932 |
| Net loans and leases to deposits | 74.2340% | 3,377 |
| Net loans and leases to core deposits | 75.8378% | 3,667 |
| Total domestic deposits to total assets | 78.7139% | 4,878 |
| Equity capital to assets | 11.4464% | 2,221 |
| Core capital (leverage) ratio | 11.7170% | 1,817 |
| Tier 1 risk-based capital ratio | 18.0601% | 1,856 |
| Total risk-based capital ratio | 19.0598% | 1,888 |
| Memoranda: | ||
| Average total assets | $108,020,500 | 4,205 |
| Average earning assets | $102,704,500 | 4,162 |
| Average equity | $12,304,500 | 4,162 |
| Average total loans | $64,758,000 | 4,161 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9097% | 3,538 |
| Cost of funding earning assets | 0.4483% | 2,553 |
| Net interest margin | 3.4614% | 3,577 |
| Noninterest income to average assets | 0.5682% | 2,827 |
| Noninterest expense to average assets | 2.8261% | 2,939 |
| Loan and lease loss provision to assets | 0.0402% | 3,578 |
| Net operating income to assets | 0.7243% | 3,672 |
| Return on assets (ROA) | 0.7243% | 3,788 |
| Pretax return on assets | 0.9925% | 3,500 |
| Return on Equity (ROE) | 6.2779% | 3,858 |
| Retained earnings to average equity (ytd only) | 1.0126% | 4,920 |
| Net charge-offs to loans | 0.0050% | 4,075 |
| Credit loss provision to net charge-offs | 1,433.3333% | 289 |
| Earnings coverage of net charge-offs (x) | 368.3333% | 220 |
| Efficiency ratio | 73.2381% | 2,384 |
| Assets per employee ($millions) | 2.5535% | 5,638 |
| Cash dividends to net income (ytd only)* | 83.8710% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0759% | 3,852 |
| Loan loss allowance to noncurrent loans | 101.0072% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 0.6480% | 2,783 |
| Noncurrent loans to loans | 1.0652% | 1,947 |
| Net loans and leases to total assets | 60.1854% | 3,828 |
| Net loans and leases to deposits | 77.0333% | 3,202 |
| Net loans and leases to core deposits | 78.0590% | 3,568 |
| Total domestic deposits to total assets | 78.1290% | 4,961 |
| Equity capital to assets | 11.3346% | 2,303 |
| Core capital (leverage) ratio | 11.5976% | 1,864 |
| Tier 1 risk-based capital ratio | 18.8844% | 1,628 |
| Total risk-based capital ratio | 19.9540% | 1,643 |
| Memoranda: | ||
| Average total assets | $107,003,800 | 4,223 |
| Average earning assets | $101,722,600 | 4,175 |
| Average equity | $12,344,800 | 4,201 |
| Average total loans | $60,081,200 | 4,296 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8676% | 3,706 |
| Cost of funding earning assets | 0.4551% | 2,506 |
| Net interest margin | 3.4125% | 3,802 |
| Noninterest income to average assets | 0.5835% | 2,744 |
| Noninterest expense to average assets | 2.8376% | 2,880 |
| Loan and lease loss provision to assets | 0.0224% | 3,794 |
| Net operating income to assets | 0.7081% | 3,798 |
| Return on assets (ROA) | 0.7081% | 3,936 |
| Pretax return on assets | 0.9675% | 3,751 |
| Return on Equity (ROE) | 6.1113% | 4,017 |
| Retained earnings to average equity (ytd only) | 2.0766% | 4,652 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1368% | 2,257 |
| Assets per employee ($millions) | 2.5942% | 5,679 |
| Cash dividends to net income (ytd only)* | 66.0218% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1012% | 3,825 |
| Loan loss allowance to noncurrent loans | 120.9964% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.5284% | 3,344 |
| Noncurrent loans to loans | 0.9101% | 2,426 |
| Net loans and leases to total assets | 57.4167% | 4,148 |
| Net loans and leases to deposits | 74.5126% | 3,546 |
| Net loans and leases to core deposits | 75.5253% | 3,884 |
| Total domestic deposits to total assets | 77.0564% | 5,076 |
| Equity capital to assets | 11.8182% | 2,241 |
| Core capital (leverage) ratio | 11.7561% | 1,836 |
| Tier 1 risk-based capital ratio | 19.1930% | 1,630 |
| Total risk-based capital ratio | 20.2402% | 1,632 |
| Memoranda: | ||
| Average total assets | $106,943,000 | 4,266 |
| Average earning assets | $101,663,000 | 4,199 |
| Average equity | $12,392,000 | 4,227 |
| Average total loans | $58,789,250 | 4,369 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7655% | 4,071 |
| Cost of funding earning assets | 0.4589% | 2,490 |
| Net interest margin | 3.3066% | 4,205 |
| Noninterest income to average assets | 0.5022% | 3,174 |
| Noninterest expense to average assets | 2.8506% | 2,843 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5936% | 4,305 |
| Return on assets (ROA) | 0.5936% | 4,427 |
| Pretax return on assets | 0.7990% | 4,281 |
| Return on Equity (ROE) | 5.1570% | 4,441 |
| Retained earnings to average equity (ytd only) | -0.9244% | 5,431 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1074% | 1,774 |
| Assets per employee ($millions) | 2.4748% | 5,802 |
| Cash dividends to net income (ytd only)* | 117.9245% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 3,820 |
| Loan loss allowance to noncurrent loans | 92.8471% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 0.8081% | 2,573 |
| Noncurrent loans to loans | 1.2098% | 1,905 |
| Net loans and leases to total assets | 54.7606% | 4,435 |
| Net loans and leases to deposits | 71.5255% | 3,826 |
| Net loans and leases to core deposits | 72.5026% | 4,130 |
| Total domestic deposits to total assets | 76.5609% | 5,213 |
| Equity capital to assets | 11.5819% | 2,462 |
| Core capital (leverage) ratio | 11.4649% | 2,020 |
| Tier 1 risk-based capital ratio | 19.8724% | 1,486 |
| Total risk-based capital ratio | 20.9497% | 1,484 |
| Memoranda: | ||
| Average total assets | $107,137,000 | 4,284 |
| Average earning assets | $101,979,330 | 4,226 |
| Average equity | $12,332,670 | 4,261 |
| Average total loans | $57,802,670 | 4,412 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7411% | 4,166 |
| Cost of funding earning assets | 0.4652% | 2,419 |
| Net interest margin | 3.2759% | 4,316 |
| Noninterest income to average assets | 0.5135% | 3,024 |
| Noninterest expense to average assets | 2.8466% | 2,901 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5842% | 4,253 |
| Return on assets (ROA) | 0.5842% | 4,369 |
| Pretax return on assets | 0.7851% | 4,251 |
| Return on Equity (ROE) | 5.0906% | 4,437 |
| Retained earnings to average equity (ytd only) | 5.0906% | 2,878 |
| Net charge-offs to loans | -0.0070% | 4,394 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3811% | 1,844 |
| Assets per employee ($millions) | 2.6835% | 5,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 3,769 |
| Loan loss allowance to noncurrent loans | 101.2214% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 0.7472% | 2,840 |
| Noncurrent loans to loans | 1.1356% | 2,128 |
| Net loans and leases to total assets | 53.1177% | 4,527 |
| Net loans and leases to deposits | 69.2454% | 3,927 |
| Net loans and leases to core deposits | 70.7456% | 4,180 |
| Total domestic deposits to total assets | 76.7093% | 5,334 |
| Equity capital to assets | 11.5895% | 2,362 |
| Core capital (leverage) ratio | 11.6814% | 1,840 |
| Tier 1 risk-based capital ratio | 20.0974% | 1,479 |
| Total risk-based capital ratio | 21.1697% | 1,484 |
| Memoranda: | ||
| Average total assets | $107,497,500 | 4,315 |
| Average earning assets | $102,323,500 | 4,246 |
| Average equity | $12,336,500 | 4,278 |
| Average total loans | $57,236,000 | 4,460 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7877% | 4,083 |
| Cost of funding earning assets | 0.5025% | 2,131 |
| Net interest margin | 3.2852% | 4,352 |
| Noninterest income to average assets | 0.5405% | 3,071 |
| Noninterest expense to average assets | 2.8020% | 3,222 |
| Loan and lease loss provision to assets | 0.0494% | 3,337 |
| Net operating income to assets | 0.5978% | 4,276 |
| Return on assets (ROA) | 0.6318% | 4,224 |
| Pretax return on assets | 0.8610% | 3,985 |
| Return on Equity (ROE) | 5.5691% | 4,253 |
| Retained earnings to average equity (ytd only) | 1.4621% | 4,892 |
| Net charge-offs to loans | 0.0861% | 2,595 |
| Credit loss provision to net charge-offs | 110.4167% | 2,287 |
| Earnings coverage of net charge-offs (x) | 19.3125% | 1,957 |
| Efficiency ratio | 76.4362% | 2,202 |
| Assets per employee ($millions) | 2.6258% | 5,831 |
| Cash dividends to net income (ytd only)* | 73.7463% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1656% | 3,675 |
| Loan loss allowance to noncurrent loans | 95.2518% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 0.7821% | 2,724 |
| Noncurrent loans to loans | 1.2237% | 1,925 |
| Net loans and leases to total assets | 52.1392% | 4,682 |
| Net loans and leases to deposits | 68.2959% | 4,107 |
| Net loans and leases to core deposits | 69.7756% | 4,310 |
| Total domestic deposits to total assets | 76.3432% | 5,408 |
| Equity capital to assets | 11.3630% | 2,480 |
| Core capital (leverage) ratio | 11.5779% | 1,903 |
| Tier 1 risk-based capital ratio | 19.9117% | 1,496 |
| Total risk-based capital ratio | 20.9861% | 1,508 |
| Memoranda: | ||
| Average total assets | $107,317,400 | 4,310 |
| Average earning assets | $102,093,000 | 4,238 |
| Average equity | $12,174,400 | 4,271 |
| Average total loans | $55,780,400 | 4,509 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8091% | 4,060 |
| Cost of funding earning assets | 0.5087% | 2,132 |
| Net interest margin | 3.3005% | 4,337 |
| Noninterest income to average assets | 0.5434% | 3,085 |
| Noninterest expense to average assets | 2.8075% | 3,157 |
| Loan and lease loss provision to assets | 0.0659% | 2,865 |
| Net operating income to assets | 0.5912% | 4,428 |
| Return on assets (ROA) | 0.6366% | 4,314 |
| Pretax return on assets | 0.8704% | 4,093 |
| Return on Equity (ROE) | 5.6140% | 4,353 |
| Retained earnings to average equity (ytd only) | 3.4210% | 4,038 |
| Net charge-offs to loans | -0.0168% | 5,143 |
| Credit loss provision to net charge-offs | -757.1429% | 5,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2580% | 2,204 |
| Assets per employee ($millions) | 2.8283% | 5,730 |
| Cash dividends to net income (ytd only)* | 39.0625% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 3,053 |
| Loan loss allowance to noncurrent loans | 88.3005% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 0.7555% | 3,013 |
| Noncurrent loans to loans | 1.4789% | 1,692 |
| Net loans and leases to total assets | 50.4206% | 4,900 |
| Net loans and leases to deposits | 66.5508% | 4,330 |
| Net loans and leases to core deposits | 68.0049% | 4,540 |
| Total domestic deposits to total assets | 75.7625% | 5,531 |
| Equity capital to assets | 11.5181% | 2,493 |
| Core capital (leverage) ratio | 11.2791% | 2,214 |
| Tier 1 risk-based capital ratio | 20.5709% | 1,423 |
| Total risk-based capital ratio | 21.7602% | 1,398 |
| Memoranda: | ||
| Average total assets | $107,232,750 | 4,361 |
| Average earning assets | $101,962,500 | 4,282 |
| Average equity | $12,159,750 | 4,323 |
| Average total loans | $55,527,250 | 4,554 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8298% | 3,956 |
| Cost of funding earning assets | 0.5129% | 2,138 |
| Net interest margin | 3.3169% | 4,229 |
| Noninterest income to average assets | 0.5338% | 3,146 |
| Noninterest expense to average assets | 2.8222% | 3,155 |
| Loan and lease loss provision to assets | 0.0840% | 2,436 |
| Net operating income to assets | 0.5767% | 4,440 |
| Return on assets (ROA) | 0.5767% | 4,541 |
| Pretax return on assets | 0.7783% | 4,394 |
| Return on Equity (ROE) | 5.1131% | 4,566 |
| Retained earnings to average equity (ytd only) | 1.8036% | 4,798 |
| Net charge-offs to loans | -0.0251% | 5,251 |
| Credit loss provision to net charge-offs | -642.8571% | 5,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5957% | 2,265 |
| Assets per employee ($millions) | 2.7941% | 5,818 |
| Cash dividends to net income (ytd only)* | 64.7249% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3008% | 3,238 |
| Loan loss allowance to noncurrent loans | 86.1482% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 0.7553% | 3,122 |
| Noncurrent loans to loans | 1.5100% | 1,761 |
| Net loans and leases to total assets | 49.3659% | 4,989 |
| Net loans and leases to deposits | 64.8973% | 4,450 |
| Net loans and leases to core deposits | 66.2880% | 4,628 |
| Total domestic deposits to total assets | 76.0677% | 5,589 |
| Equity capital to assets | 11.0608% | 2,827 |
| Core capital (leverage) ratio | 11.3613% | 2,112 |
| Tier 1 risk-based capital ratio | 19.7529% | 1,607 |
| Total risk-based capital ratio | 20.9009% | 1,603 |
| Memoranda: | ||
| Average total assets | $107,152,330 | 4,399 |
| Average earning assets | $101,781,670 | 4,322 |
| Average equity | $12,086,670 | 4,364 |
| Average total loans | $55,734,330 | 4,594 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9014% | 3,608 |
| Cost of funding earning assets | 0.5194% | 2,117 |
| Net interest margin | 3.3820% | 3,910 |
| Noninterest income to average assets | 0.5196% | 3,153 |
| Noninterest expense to average assets | 2.9178% | 2,841 |
| Loan and lease loss provision to assets | 0.0828% | 2,318 |
| Net operating income to assets | 0.5497% | 4,480 |
| Return on assets (ROA) | 0.5497% | 4,595 |
| Pretax return on assets | 0.7304% | 4,502 |
| Return on Equity (ROE) | 4.8251% | 4,618 |
| Retained earnings to average equity (ytd only) | 4.8251% | 3,162 |
| Net charge-offs to loans | -0.0497% | 5,509 |
| Credit loss provision to net charge-offs | -314.2857% | 4,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2038% | 2,156 |
| Assets per employee ($millions) | 2.6750% | 5,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 3,910 |
| Loan loss allowance to noncurrent loans | 143.2150% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.4477% | 4,244 |
| Noncurrent loans to loans | 0.8456% | 3,133 |
| Net loans and leases to total assets | 52.2958% | 4,639 |
| Net loans and leases to deposits | 69.3490% | 3,818 |
| Net loans and leases to core deposits | 70.8747% | 4,073 |
| Total domestic deposits to total assets | 75.4096% | 5,793 |
| Equity capital to assets | 11.4756% | 2,480 |
| Core capital (leverage) ratio | 11.5046% | 2,001 |
| Tier 1 risk-based capital ratio | 20.3794% | 1,546 |
| Total risk-based capital ratio | 21.5218% | 1,534 |
| Memoranda: | ||
| Average total assets | $106,243,500 | 4,451 |
| Average earning assets | $100,887,500 | 4,377 |
| Average equity | $12,103,500 | 4,397 |
| Average total loans | $56,350,000 | 4,598 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1059% | 3,306 |
| Cost of funding earning assets | 0.5361% | 2,324 |
| Net interest margin | 3.5699% | 3,519 |
| Noninterest income to average assets | 0.5494% | 3,180 |
| Noninterest expense to average assets | 2.8818% | 3,202 |
| Loan and lease loss provision to assets | 0.0709% | 3,071 |
| Net operating income to assets | 0.7242% | 3,772 |
| Return on assets (ROA) | 0.7256% | 3,869 |
| Pretax return on assets | 0.9885% | 3,546 |
| Return on Equity (ROE) | 6.3544% | 3,973 |
| Retained earnings to average equity (ytd only) | 1.5261% | 5,067 |
| Net charge-offs to loans | -0.0438% | 5,886 |
| Credit loss provision to net charge-offs | -300.0000% | 5,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1567% | 2,996 |
| Assets per employee ($millions) | 2.6372% | 6,076 |
| Cash dividends to net income (ytd only)* | 75.9837% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1720% | 4,154 |
| Loan loss allowance to noncurrent loans | 131.1377% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.4749% | 4,220 |
| Noncurrent loans to loans | 0.8937% | 3,081 |
| Net loans and leases to total assets | 52.5188% | 4,738 |
| Net loans and leases to deposits | 69.7557% | 3,947 |
| Net loans and leases to core deposits | 71.3127% | 4,184 |
| Total domestic deposits to total assets | 75.2896% | 5,822 |
| Equity capital to assets | 11.3077% | 2,598 |
| Core capital (leverage) ratio | 11.7128% | 1,816 |
| Tier 1 risk-based capital ratio | 19.2461% | 1,783 |
| Total risk-based capital ratio | 20.2919% | 1,799 |
| Memoranda: | ||
| Average total assets | $101,568,200 | 4,561 |
| Average earning assets | $96,445,800 | 4,497 |
| Average equity | $11,598,200 | 4,437 |
| Average total loans | $54,851,000 | 4,658 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1366% | 3,228 |
| Cost of funding earning assets | 0.5389% | 2,385 |
| Net interest margin | 3.5977% | 3,434 |
| Noninterest income to average assets | 0.5461% | 3,223 |
| Noninterest expense to average assets | 2.8922% | 3,150 |
| Loan and lease loss provision to assets | 0.0716% | 2,914 |
| Net operating income to assets | 0.7330% | 3,768 |
| Return on assets (ROA) | 0.7330% | 3,872 |
| Pretax return on assets | 0.9981% | 3,600 |
| Return on Equity (ROE) | 6.4026% | 4,027 |
| Retained earnings to average equity (ytd only) | 3.6239% | 4,071 |
| Net charge-offs to loans | -0.0464% | 5,876 |
| Credit loss provision to net charge-offs | -284.2105% | 5,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0010% | 2,999 |
| Assets per employee ($millions) | 2.5354% | 6,205 |
| Cash dividends to net income (ytd only)* | 43.3997% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 4,580 |
| Loan loss allowance to noncurrent loans | 75.8373% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 0.8243% | 3,356 |
| Noncurrent loans to loans | 1.4971% | 2,168 |
| Net loans and leases to total assets | 54.4363% | 4,523 |
| Net loans and leases to deposits | 72.7985% | 3,587 |
| Net loans and leases to core deposits | 74.7603% | 3,871 |
| Total domestic deposits to total assets | 74.7767% | 5,943 |
| Equity capital to assets | 11.7311% | 2,283 |
| Core capital (leverage) ratio | 11.9355% | 1,732 |
| Tier 1 risk-based capital ratio | 19.7423% | 1,728 |
| Total risk-based capital ratio | 20.7661% | 1,743 |
| Memoranda: | ||
| Average total assets | $100,588,750 | 4,631 |
| Average earning assets | $95,503,000 | 4,560 |
| Average equity | $11,515,750 | 4,484 |
| Average total loans | $54,549,500 | 4,706 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1193% | 3,268 |
| Cost of funding earning assets | 0.5351% | 2,490 |
| Net interest margin | 3.5842% | 3,428 |
| Noninterest income to average assets | 0.5363% | 3,226 |
| Noninterest expense to average assets | 2.8451% | 3,352 |
| Loan and lease loss provision to assets | 0.0718% | 2,836 |
| Net operating income to assets | 0.7516% | 3,559 |
| Return on assets (ROA) | 0.7516% | 3,658 |
| Pretax return on assets | 1.0248% | 3,377 |
| Return on Equity (ROE) | 6.6206% | 3,819 |
| Retained earnings to average equity (ytd only) | 2.4059% | 4,676 |
| Net charge-offs to loans | -0.0554% | 5,925 |
| Credit loss provision to net charge-offs | -240.0000% | 5,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1801% | 3,296 |
| Assets per employee ($millions) | 2.6321% | 6,177 |
| Cash dividends to net income (ytd only)* | 63.6605% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 4,777 |
| Loan loss allowance to noncurrent loans | 87.3039% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 0.7009% | 3,880 |
| Noncurrent loans to loans | 1.2920% | 2,644 |
| Net loans and leases to total assets | 53.6343% | 4,584 |
| Net loans and leases to deposits | 70.1853% | 3,803 |
| Net loans and leases to core deposits | 72.3092% | 4,014 |
| Total domestic deposits to total assets | 76.4182% | 5,867 |
| Equity capital to assets | 11.6969% | 2,242 |
| Core capital (leverage) ratio | 11.8705% | 1,735 |
| Tier 1 risk-based capital ratio | 20.0096% | 1,683 |
| Total risk-based capital ratio | 21.0259% | 1,707 |
| Memoranda: | ||
| Average total assets | $100,313,670 | 4,677 |
| Average earning assets | $95,307,330 | 4,602 |
| Average equity | $11,388,670 | 4,523 |
| Average total loans | $54,119,330 | 4,744 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1801% | 2,949 |
| Cost of funding earning assets | 0.5351% | 2,551 |
| Net interest margin | 3.6451% | 3,081 |
| Noninterest income to average assets | 0.5136% | 3,307 |
| Noninterest expense to average assets | 2.9504% | 3,048 |
| Loan and lease loss provision to assets | 0.0717% | 2,709 |
| Net operating income to assets | 0.7127% | 3,621 |
| Return on assets (ROA) | 0.7127% | 3,706 |
| Pretax return on assets | 0.9636% | 3,467 |
| Return on Equity (ROE) | 6.3738% | 3,816 |
| Retained earnings to average equity (ytd only) | 6.3738% | 2,341 |
| Net charge-offs to loans | -0.0592% | 5,881 |
| Credit loss provision to net charge-offs | -225.0000% | 4,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0260% | 3,140 |
| Assets per employee ($millions) | 2.8163% | 6,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0935% | 5,147 |
| Loan loss allowance to noncurrent loans | 72.8288% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 0.7950% | 3,751 |
| Noncurrent loans to loans | 1.5014% | 2,540 |
| Net loans and leases to total assets | 52.3681% | 4,635 |
| Net loans and leases to deposits | 68.0208% | 3,853 |
| Net loans and leases to core deposits | 70.0332% | 4,089 |
| Total domestic deposits to total assets | 76.9884% | 5,966 |
| Equity capital to assets | 11.2962% | 2,433 |
| Core capital (leverage) ratio | 11.9187% | 1,700 |
| Tier 1 risk-based capital ratio | 20.1802% | 1,675 |
| Total risk-based capital ratio | 21.1598% | 1,708 |
| Memoranda: | ||
| Average total assets | $100,461,500 | 4,724 |
| Average earning assets | $95,691,000 | 4,637 |
| Average equity | $11,233,500 | 4,564 |
| Average total loans | $54,051,000 | 4,791 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1600% | 3,498 |
| Cost of funding earning assets | 0.5689% | 2,933 |
| Net interest margin | 3.5911% | 3,499 |
| Noninterest income to average assets | 0.5751% | 3,247 |
| Noninterest expense to average assets | 2.7602% | 3,872 |
| Loan and lease loss provision to assets | 0.0618% | 3,901 |
| Net operating income to assets | 0.8658% | 2,945 |
| Return on assets (ROA) | 0.8658% | 3,025 |
| Pretax return on assets | 1.1750% | 2,670 |
| Return on Equity (ROE) | 7.3059% | 3,405 |
| Retained earnings to average equity (ytd only) | 2.0439% | 4,787 |
| Net charge-offs to loans | 0.0560% | 4,447 |
| Credit loss provision to net charge-offs | 206.8966% | 1,111 |
| Earnings coverage of net charge-offs (x) | 41.3793% | 922 |
| Efficiency ratio | 69.0562% | 4,002 |
| Assets per employee ($millions) | 2.6901% | 6,231 |
| Cash dividends to net income (ytd only)* | 72.0238% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0309% | 5,413 |
| Loan loss allowance to noncurrent loans | 66.4692% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 0.8479% | 3,769 |
| Noncurrent loans to loans | 1.5509% | 2,568 |
| Net loans and leases to total assets | 54.1106% | 4,568 |
| Net loans and leases to deposits | 70.6792% | 3,700 |
| Net loans and leases to core deposits | 73.1472% | 3,931 |
| Total domestic deposits to total assets | 76.5580% | 6,045 |
| Equity capital to assets | 11.0655% | 2,555 |
| Core capital (leverage) ratio | 12.0137% | 1,600 |
| Tier 1 risk-based capital ratio | 19.6886% | 1,730 |
| Total risk-based capital ratio | 20.6158% | 1,781 |
| Memoranda: | ||
| Average total assets | $97,020,800 | 4,816 |
| Average earning assets | $92,452,000 | 4,713 |
| Average equity | $11,497,600 | 4,544 |
| Average total loans | $51,809,600 | 4,897 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1261% | 3,659 |
| Cost of funding earning assets | 0.5687% | 3,090 |
| Net interest margin | 3.5574% | 3,623 |
| Noninterest income to average assets | 0.5920% | 3,200 |
| Noninterest expense to average assets | 2.7581% | 3,802 |
| Loan and lease loss provision to assets | 0.0622% | 3,797 |
| Net operating income to assets | 0.8617% | 3,040 |
| Return on assets (ROA) | 0.8617% | 3,151 |
| Pretax return on assets | 1.1633% | 2,838 |
| Return on Equity (ROE) | 7.1494% | 3,561 |
| Retained earnings to average equity (ytd only) | 3.4197% | 4,249 |
| Net charge-offs to loans | 0.0443% | 4,274 |
| Credit loss provision to net charge-offs | 264.7059% | 947 |
| Earnings coverage of net charge-offs (x) | 52.1085% | 843 |
| Efficiency ratio | 69.2361% | 3,885 |
| Assets per employee ($millions) | 2.7557% | 6,210 |
| Cash dividends to net income (ytd only)* | 52.1664% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 5,572 |
| Loan loss allowance to noncurrent loans | 66.4286% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 0.8709% | 3,933 |
| Noncurrent loans to loans | 1.5610% | 2,822 |
| Net loans and leases to total assets | 55.2115% | 4,427 |
| Net loans and leases to deposits | 73.7746% | 3,266 |
| Net loans and leases to core deposits | 76.4972% | 3,562 |
| Total domestic deposits to total assets | 74.8380% | 6,295 |
| Equity capital to assets | 11.7013% | 2,126 |
| Core capital (leverage) ratio | 12.4048% | 1,467 |
| Tier 1 risk-based capital ratio | 20.2106% | 1,681 |
| Total risk-based capital ratio | 21.1522% | 1,729 |
| Memoranda: | ||
| Average total assets | $96,392,250 | 4,873 |
| Average earning assets | $91,899,500 | 4,770 |
| Average equity | $11,618,500 | 4,573 |
| Average total loans | $51,157,000 | 4,966 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0822% | 3,809 |
| Cost of funding earning assets | 0.5807% | 3,125 |
| Net interest margin | 3.5015% | 3,778 |
| Noninterest income to average assets | 0.5852% | 3,284 |
| Noninterest expense to average assets | 2.7705% | 3,779 |
| Loan and lease loss provision to assets | 0.0623% | 3,765 |
| Net operating income to assets | 0.8135% | 3,222 |
| Return on assets (ROA) | 0.8135% | 3,377 |
| Pretax return on assets | 1.0937% | 3,115 |
| Return on Equity (ROE) | 6.6841% | 3,781 |
| Retained earnings to average equity (ytd only) | 2.4213% | 4,759 |
| Net charge-offs to loans | 0.0477% | 4,011 |
| Credit loss provision to net charge-offs | 250.0000% | 995 |
| Earnings coverage of net charge-offs (x) | 46.4167% | 838 |
| Efficiency ratio | 70.5603% | 3,723 |
| Assets per employee ($millions) | 2.6874% | 6,311 |
| Cash dividends to net income (ytd only)* | 63.7755% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0850% | 5,502 |
| Loan loss allowance to noncurrent loans | 76.3231% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 0.7422% | 4,356 |
| Noncurrent loans to loans | 1.4216% | 3,167 |
| Net loans and leases to total assets | 51.6399% | 4,912 |
| Net loans and leases to deposits | 67.0933% | 4,133 |
| Net loans and leases to core deposits | 69.1991% | 4,363 |
| Total domestic deposits to total assets | 76.9673% | 6,130 |
| Equity capital to assets | 11.6295% | 2,190 |
| Core capital (leverage) ratio | 12.3425% | 1,440 |
| Tier 1 risk-based capital ratio | 20.6635% | 1,578 |
| Total risk-based capital ratio | 21.6213% | 1,613 |
| Memoranda: | ||
| Average total assets | $96,372,670 | 4,907 |
| Average earning assets | $91,960,330 | 4,794 |
| Average equity | $11,729,330 | 4,582 |
| Average total loans | $50,272,670 | 5,012 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0812% | 3,797 |
| Cost of funding earning assets | 0.6024% | 3,087 |
| Net interest margin | 3.4788% | 3,793 |
| Noninterest income to average assets | 0.5573% | 3,385 |
| Noninterest expense to average assets | 2.8486% | 3,545 |
| Loan and lease loss provision to assets | 0.0624% | 3,592 |
| Net operating income to assets | 0.7319% | 3,528 |
| Return on assets (ROA) | 0.7319% | 3,666 |
| Pretax return on assets | 0.9606% | 3,520 |
| Return on Equity (ROE) | 5.8821% | 4,113 |
| Retained earnings to average equity (ytd only) | 5.8821% | 2,746 |
| Net charge-offs to loans | -0.1037% | 6,461 |
| Credit loss provision to net charge-offs | -115.3846% | 5,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5768% | 3,336 |
| Assets per employee ($millions) | 2.6951% | 6,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 5,497 |
| Loan loss allowance to noncurrent loans | 69.7500% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 0.8245% | 4,316 |
| Noncurrent loans to loans | 1.6173% | 3,112 |
| Net loans and leases to total assets | 50.4087% | 4,931 |
| Net loans and leases to deposits | 65.7578% | 4,089 |
| Net loans and leases to core deposits | 67.8204% | 4,323 |
| Total domestic deposits to total assets | 76.6581% | 6,286 |
| Equity capital to assets | 12.4063% | 1,770 |
| Core capital (leverage) ratio | 12.3544% | 1,402 |
| Tier 1 risk-based capital ratio | 21.1696% | 1,499 |
| Total risk-based capital ratio | 22.1661% | 1,530 |
| Memoranda: | ||
| Average total assets | $96,186,500 | 4,947 |
| Average earning assets | $91,640,500 | 4,852 |
| Average equity | $11,968,500 | 4,584 |
| Average total loans | $50,155,500 | 5,053 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4874% | 3,452 |
| Cost of funding earning assets | 0.7511% | 3,083 |
| Net interest margin | 3.7362% | 3,495 |
| Noninterest income to average assets | 0.6040% | 3,257 |
| Noninterest expense to average assets | 2.8255% | 3,921 |
| Loan and lease loss provision to assets | 0.0249% | 5,580 |
| Net operating income to assets | 0.9617% | 2,493 |
| Return on assets (ROA) | 0.9617% | 2,734 |
| Pretax return on assets | 1.3009% | 2,391 |
| Return on Equity (ROE) | 7.5226% | 3,326 |
| Retained earnings to average equity (ytd only) | 2.5357% | 4,437 |
| Net charge-offs to loans | 0.1388% | 4,305 |
| Credit loss provision to net charge-offs | 32.3944% | 5,079 |
| Earnings coverage of net charge-offs (x) | 17.2817% | 1,514 |
| Efficiency ratio | 68.0635% | 4,131 |
| Assets per employee ($millions) | 2.5770% | 6,555 |
| Cash dividends to net income (ytd only)* | 66.2921% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0424% | 5,800 |
| Loan loss allowance to noncurrent loans | 78.4024% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 0.7090% | 4,711 |
| Noncurrent loans to loans | 1.3295% | 3,619 |
| Net loans and leases to total assets | 52.7687% | 4,794 |
| Net loans and leases to deposits | 69.5160% | 3,768 |
| Net loans and leases to core deposits | 71.7545% | 4,074 |
| Total domestic deposits to total assets | 75.9088% | 6,366 |
| Equity capital to assets | 12.4803% | 1,727 |
| Core capital (leverage) ratio | 12.4397% | 1,347 |
| Tier 1 risk-based capital ratio | 20.5493% | 1,554 |
| Total risk-based capital ratio | 21.4819% | 1,593 |
| Memoranda: | ||
| Average total assets | $92,548,400 | 5,009 |
| Average earning assets | $87,869,000 | 4,919 |
| Average equity | $11,831,000 | 4,602 |
| Average total loans | $51,153,400 | 5,060 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4875% | 3,684 |
| Cost of funding earning assets | 0.7778% | 3,133 |
| Net interest margin | 3.7097% | 3,755 |
| Noninterest income to average assets | 0.6068% | 3,232 |
| Noninterest expense to average assets | 2.8394% | 3,842 |
| Loan and lease loss provision to assets | 0.0189% | 5,565 |
| Net operating income to assets | 0.9392% | 2,801 |
| Return on assets (ROA) | 0.9392% | 3,023 |
| Pretax return on assets | 1.2658% | 2,728 |
| Return on Equity (ROE) | 7.3021% | 3,633 |
| Retained earnings to average equity (ytd only) | 4.4805% | 3,744 |
| Net charge-offs to loans | 0.1848% | 3,637 |
| Credit loss provision to net charge-offs | 18.3099% | 4,980 |
| Earnings coverage of net charge-offs (x) | 12.4653% | 1,999 |
| Efficiency ratio | 68.8490% | 3,904 |
| Assets per employee ($millions) | 2.6102% | 6,587 |
| Cash dividends to net income (ytd only)* | 38.6402% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 6,027 |
| Loan loss allowance to noncurrent loans | 68.2415% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 0.8109% | 4,675 |
| Noncurrent loans to loans | 1.4843% | 3,564 |
| Net loans and leases to total assets | 54.0818% | 4,738 |
| Net loans and leases to deposits | 71.0994% | 3,733 |
| Net loans and leases to core deposits | 73.4145% | 4,061 |
| Total domestic deposits to total assets | 76.0650% | 6,372 |
| Equity capital to assets | 12.8130% | 1,699 |
| Core capital (leverage) ratio | 12.7376% | 1,302 |
| Tier 1 risk-based capital ratio | 20.7548% | 1,586 |
| Total risk-based capital ratio | 21.6713% | 1,616 |
| Memoranda: | ||
| Average total assets | $91,848,000 | 5,083 |
| Average earning assets | $87,084,500 | 4,987 |
| Average equity | $11,813,750 | 4,650 |
| Average total loans | $51,230,500 | 5,116 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5241% | 3,666 |
| Cost of funding earning assets | 0.7989% | 3,196 |
| Net interest margin | 3.7252% | 3,701 |
| Noninterest income to average assets | 0.6057% | 3,222 |
| Noninterest expense to average assets | 2.8812% | 3,695 |
| Loan and lease loss provision to assets | 0.0132% | 5,499 |
| Net operating income to assets | 0.9370% | 2,730 |
| Return on assets (ROA) | 0.9370% | 2,991 |
| Pretax return on assets | 1.2618% | 2,687 |
| Return on Equity (ROE) | 7.2753% | 3,628 |
| Retained earnings to average equity (ytd only) | 3.0158% | 4,635 |
| Net charge-offs to loans | 0.2578% | 3,033 |
| Credit loss provision to net charge-offs | 9.0909% | 4,752 |
| Earnings coverage of net charge-offs (x) | 8.8030% | 2,245 |
| Efficiency ratio | 69.3242% | 3,878 |
| Assets per employee ($millions) | 2.6127% | 6,641 |
| Cash dividends to net income (ytd only)* | 58.5480% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 6,118 |
| Loan loss allowance to noncurrent loans | 71.5470% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 0.7917% | 4,814 |
| Noncurrent loans to loans | 1.4123% | 3,798 |
| Net loans and leases to total assets | 55.4940% | 4,544 |
| Net loans and leases to deposits | 72.6576% | 3,506 |
| Net loans and leases to core deposits | 74.7995% | 3,919 |
| Total domestic deposits to total assets | 76.3773% | 6,410 |
| Equity capital to assets | 12.9278% | 1,552 |
| Core capital (leverage) ratio | 12.6662% | 1,282 |
| Tier 1 risk-based capital ratio | 20.3813% | 1,610 |
| Total risk-based capital ratio | 21.2949% | 1,660 |
| Memoranda: | ||
| Average total assets | $91,141,670 | 5,132 |
| Average earning assets | $86,868,330 | 5,027 |
| Average equity | $11,738,330 | 4,668 |
| Average total loans | $51,194,330 | 5,138 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6271% | 3,370 |
| Cost of funding earning assets | 0.8220% | 3,294 |
| Net interest margin | 3.8051% | 3,373 |
| Noninterest income to average assets | 0.5935% | 3,275 |
| Noninterest expense to average assets | 2.9762% | 3,350 |
| Loan and lease loss provision to assets | 0.0044% | 5,217 |
| Net operating income to assets | 0.9188% | 2,834 |
| Return on assets (ROA) | 0.9188% | 3,045 |
| Pretax return on assets | 1.2353% | 2,784 |
| Return on Equity (ROE) | 7.1474% | 3,690 |
| Retained earnings to average equity (ytd only) | 7.1474% | 2,352 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5944% | 3,704 |
| Assets per employee ($millions) | 2.6241% | 6,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 5,820 |
| Loan loss allowance to noncurrent loans | 252.8384% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 6,265 |
| Noncurrent loans to loans | 0.4452% | 5,782 |
| Net loans and leases to total assets | 55.3711% | 4,492 |
| Net loans and leases to deposits | 72.4399% | 3,364 |
| Net loans and leases to core deposits | 74.8352% | 3,774 |
| Total domestic deposits to total assets | 76.4372% | 6,492 |
| Equity capital to assets | 12.8174% | 1,533 |
| Core capital (leverage) ratio | 12.7994% | 1,207 |
| Tier 1 risk-based capital ratio | 20.4280% | 1,610 |
| Total risk-based capital ratio | 21.4486% | 1,631 |
| Memoranda: | ||
| Average total assets | $90,989,500 | 5,176 |
| Average earning assets | $86,621,000 | 5,063 |
| Average equity | $11,696,500 | 4,676 |
| Average total loans | $51,159,000 | 5,179 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8596% | 3,545 |
| Cost of funding earning assets | 0.9875% | 3,467 |
| Net interest margin | 3.8720% | 3,463 |
| Noninterest income to average assets | 0.7517% | 2,330 |
| Noninterest expense to average assets | 2.8354% | 4,217 |
| Loan and lease loss provision to assets | 0.0023% | 6,484 |
| Net operating income to assets | 1.1675% | 1,617 |
| Return on assets (ROA) | 1.1675% | 1,722 |
| Pretax return on assets | 1.5913% | 1,224 |
| Return on Equity (ROE) | 8.9336% | 2,481 |
| Retained earnings to average equity (ytd only) | 3.6888% | 3,583 |
| Net charge-offs to loans | 0.0099% | 6,293 |
| Credit loss provision to net charge-offs | 40.0000% | 5,625 |
| Earnings coverage of net charge-offs (x) | 279.0000% | 127 |
| Efficiency ratio | 64.0186% | 5,124 |
| Assets per employee ($millions) | 2.5038% | 6,827 |
| Cash dividends to net income (ytd only)* | 58.7084% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 5,678 |
| Loan loss allowance to noncurrent loans | 208.6643% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.3073% | 6,210 |
| Noncurrent loans to loans | 0.5444% | 5,627 |
| Net loans and leases to total assets | 55.8118% | 4,745 |
| Net loans and leases to deposits | 73.8437% | 3,527 |
| Net loans and leases to core deposits | 75.6971% | 4,024 |
| Total domestic deposits to total assets | 75.5811% | 6,533 |
| Equity capital to assets | 12.8929% | 1,549 |
| Core capital (leverage) ratio | 12.8866% | 1,185 |
| Tier 1 risk-based capital ratio | 20.3556% | 1,554 |
| Total risk-based capital ratio | 21.3896% | 1,574 |
| Memoranda: | ||
| Average total assets | $87,537,200 | 5,247 |
| Average earning assets | $83,135,200 | 5,135 |
| Average equity | $11,440,000 | 4,672 |
| Average total loans | $50,520,400 | 5,246 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9012% | 3,547 |
| Cost of funding earning assets | 1.0087% | 3,621 |
| Net interest margin | 3.8925% | 3,412 |
| Noninterest income to average assets | 0.7657% | 2,224 |
| Noninterest expense to average assets | 2.8603% | 4,106 |
| Loan and lease loss provision to assets | 0.0031% | 6,376 |
| Net operating income to assets | 1.1800% | 1,712 |
| Return on assets (ROA) | 1.1800% | 1,828 |
| Pretax return on assets | 1.5974% | 1,393 |
| Return on Equity (ROE) | 8.9981% | 2,602 |
| Retained earnings to average equity (ytd only) | 6.0728% | 2,519 |
| Net charge-offs to loans | 0.0106% | 6,006 |
| Credit loss provision to net charge-offs | 50.0000% | 5,036 |
| Earnings coverage of net charge-offs (x) | 260.9062% | 153 |
| Efficiency ratio | 64.1211% | 5,041 |
| Assets per employee ($millions) | 2.4627% | 6,928 |
| Cash dividends to net income (ytd only)* | 32.5102% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 5,613 |
| Loan loss allowance to noncurrent loans | 435.3383% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.1500% | 6,673 |
| Noncurrent loans to loans | 0.2678% | 6,334 |
| Net loans and leases to total assets | 55.3725% | 4,944 |
| Net loans and leases to deposits | 74.2801% | 3,616 |
| Net loans and leases to core deposits | 76.1999% | 4,173 |
| Total domestic deposits to total assets | 74.5454% | 6,700 |
| Equity capital to assets | 13.2648% | 1,481 |
| Core capital (leverage) ratio | 12.8844% | 1,267 |
| Tier 1 risk-based capital ratio | 21.0940% | 1,436 |
| Total risk-based capital ratio | 22.1583% | 1,448 |
| Memoranda: | ||
| Average total assets | $86,887,750 | 5,301 |
| Average earning assets | $82,481,750 | 5,202 |
| Average equity | $11,394,750 | 4,715 |
| Average total loans | $50,429,500 | 5,286 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9185% | 3,539 |
| Cost of funding earning assets | 1.0262% | 3,775 |
| Net interest margin | 3.8923% | 3,353 |
| Noninterest income to average assets | 0.6675% | 2,730 |
| Noninterest expense to average assets | 2.8645% | 4,166 |
| Loan and lease loss provision to assets | 0.0023% | 6,208 |
| Net operating income to assets | 1.0869% | 1,910 |
| Return on assets (ROA) | 1.0869% | 2,004 |
| Pretax return on assets | 1.4925% | 1,554 |
| Return on Equity (ROE) | 8.3208% | 2,801 |
| Retained earnings to average equity (ytd only) | 3.8854% | 3,726 |
| Net charge-offs to loans | -0.0039% | 6,563 |
| Credit loss provision to net charge-offs | -100.0000% | 6,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7097% | 4,929 |
| Assets per employee ($millions) | 2.5212% | 6,887 |
| Cash dividends to net income (ytd only)* | 53.3049% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 5,662 |
| Loan loss allowance to noncurrent loans | 459.0551% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.1439% | 6,732 |
| Noncurrent loans to loans | 0.2555% | 6,410 |
| Net loans and leases to total assets | 55.6730% | 5,041 |
| Net loans and leases to deposits | 74.0869% | 3,797 |
| Net loans and leases to core deposits | 75.9903% | 4,318 |
| Total domestic deposits to total assets | 75.1456% | 6,707 |
| Equity capital to assets | 12.9621% | 1,535 |
| Core capital (leverage) ratio | 12.8414% | 1,222 |
| Tier 1 risk-based capital ratio | 20.4016% | 1,534 |
| Total risk-based capital ratio | 21.4659% | 1,544 |
| Memoranda: | ||
| Average total assets | $86,298,330 | 5,365 |
| Average earning assets | $81,854,670 | 5,264 |
| Average equity | $11,273,000 | 4,746 |
| Average total loans | $50,682,670 | 5,329 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9583% | 3,294 |
| Cost of funding earning assets | 1.0678% | 3,733 |
| Net interest margin | 3.8905% | 3,190 |
| Noninterest income to average assets | 0.6751% | 2,703 |
| Noninterest expense to average assets | 2.9440% | 3,877 |
| Loan and lease loss provision to assets | 0.0047% | 5,808 |
| Net operating income to assets | 1.0360% | 2,048 |
| Return on assets (ROA) | 1.0360% | 2,100 |
| Pretax return on assets | 1.4157% | 1,681 |
| Return on Equity (ROE) | 7.8996% | 2,956 |
| Retained earnings to average equity (ytd only) | 7.8996% | 1,772 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4544% | 4,763 |
| Assets per employee ($millions) | 2.4521% | 7,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 5,942 |
| Loan loss allowance to noncurrent loans | 473.1707% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 6,806 |
| Noncurrent loans to loans | 0.2383% | 6,508 |
| Net loans and leases to total assets | 59.4677% | 4,372 |
| Net loans and leases to deposits | 79.5837% | 2,794 |
| Net loans and leases to core deposits | 80.8853% | 3,617 |
| Total domestic deposits to total assets | 74.7236% | 6,830 |
| Equity capital to assets | 13.1760% | 1,310 |
| Core capital (leverage) ratio | 12.9851% | 1,123 |
| Tier 1 risk-based capital ratio | 20.0115% | 1,586 |
| Total risk-based capital ratio | 21.0570% | 1,602 |
| Memoranda: | ||
| Average total assets | $85,326,500 | 5,432 |
| Average earning assets | $80,915,000 | 5,328 |
| Average equity | $11,190,500 | 4,746 |
| Average total loans | $51,169,000 | 5,359 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9038% | 5,014 |
| Cost of funding earning assets | 1.3054% | 3,848 |
| Net interest margin | 3.5984% | 4,831 |
| Noninterest income to average assets | 0.7511% | 2,538 |
| Noninterest expense to average assets | 2.8880% | 4,286 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.9435% | 2,225 |
| Return on assets (ROA) | 0.9435% | 2,352 |
| Pretax return on assets | 1.2662% | 2,024 |
| Return on Equity (ROE) | 7.2516% | 3,004 |
| Retained earnings to average equity (ytd only) | 2.2909% | 4,277 |
| Net charge-offs to loans | -0.0042% | 7,256 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5198% | 4,277 |
| Assets per employee ($millions) | 2.3564% | 7,168 |
| Cash dividends to net income (ytd only)* | 68.4080% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 5,756 |
| Loan loss allowance to noncurrent loans | 488.2353% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.1403% | 6,883 |
| Noncurrent loans to loans | 0.2346% | 6,591 |
| Net loans and leases to total assets | 59.1041% | 4,818 |
| Net loans and leases to deposits | 80.0415% | 3,169 |
| Net loans and leases to core deposits | 82.1140% | 3,895 |
| Total domestic deposits to total assets | 73.8418% | 6,911 |
| Equity capital to assets | 13.0532% | 1,372 |
| Core capital (leverage) ratio | 12.6770% | 1,251 |
| Tier 1 risk-based capital ratio | 19.8374% | 1,517 |
| Total risk-based capital ratio | 20.8893% | 1,532 |
| Memoranda: | ||
| Average total assets | $85,213,600 | 5,432 |
| Average earning assets | $80,590,600 | 5,325 |
| Average equity | $11,087,200 | 4,841 |
| Average total loans | $47,113,800 | 5,594 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8740% | 5,382 |
| Cost of funding earning assets | 1.3231% | 4,086 |
| Net interest margin | 3.5509% | 5,109 |
| Noninterest income to average assets | 0.7486% | 2,511 |
| Noninterest expense to average assets | 2.8757% | 4,179 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9190% | 2,542 |
| Return on assets (ROA) | 0.9190% | 2,681 |
| Pretax return on assets | 1.2284% | 2,396 |
| Return on Equity (ROE) | 7.0688% | 3,315 |
| Retained earnings to average equity (ytd only) | 4.0634% | 3,613 |
| Net charge-offs to loans | -0.0058% | 7,221 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0685% | 4,050 |
| Assets per employee ($millions) | 2.5432% | 7,020 |
| Cash dividends to net income (ytd only)* | 42.5177% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 5,263 |
| Loan loss allowance to noncurrent loans | 830.0000% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0810% | 7,141 |
| Noncurrent loans to loans | 0.1500% | 6,874 |
| Net loans and leases to total assets | 53.3087% | 5,943 |
| Net loans and leases to deposits | 72.8890% | 4,709 |
| Net loans and leases to core deposits | 74.1494% | 5,272 |
| Total domestic deposits to total assets | 73.1369% | 7,019 |
| Equity capital to assets | 13.1170% | 1,520 |
| Core capital (leverage) ratio | 12.8216% | 1,291 |
| Tier 1 risk-based capital ratio | 20.9994% | 1,357 |
| Total risk-based capital ratio | 22.1045% | 1,366 |
| Memoranda: | ||
| Average total assets | $85,309,500 | 5,494 |
| Average earning assets | $80,617,000 | 5,381 |
| Average equity | $11,090,750 | 4,900 |
| Average total loans | $46,212,500 | 5,718 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8904% | 5,435 |
| Cost of funding earning assets | 1.3310% | 4,325 |
| Net interest margin | 3.5594% | 5,005 |
| Noninterest income to average assets | 0.7395% | 2,460 |
| Noninterest expense to average assets | 2.8802% | 4,148 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9185% | 2,479 |
| Return on assets (ROA) | 0.9185% | 2,582 |
| Pretax return on assets | 1.2223% | 2,341 |
| Return on Equity (ROE) | 7.0864% | 3,265 |
| Retained earnings to average equity (ytd only) | 2.5438% | 4,535 |
| Net charge-offs to loans | -0.0174% | 7,265 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2067% | 4,150 |
| Assets per employee ($millions) | 2.3936% | 7,238 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 5,081 |
| Loan loss allowance to noncurrent loans | 1,166.0000% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0580% | 7,241 |
| Noncurrent loans to loans | 0.1090% | 7,049 |
| Net loans and leases to total assets | 52.5717% | 6,154 |
| Net loans and leases to deposits | 71.4752% | 5,079 |
| Net loans and leases to core deposits | 72.7073% | 5,596 |
| Total domestic deposits to total assets | 73.5523% | 7,036 |
| Equity capital to assets | 12.8885% | 1,614 |
| Core capital (leverage) ratio | 12.7279% | 1,317 |
| Tier 1 risk-based capital ratio | 21.2929% | 1,301 |
| Total risk-based capital ratio | 22.4378% | 1,289 |
| Memoranda: | ||
| Average total assets | $84,923,330 | 5,536 |
| Average earning assets | $80,239,000 | 5,429 |
| Average equity | $11,007,000 | 4,919 |
| Average total loans | $46,058,000 | 5,755 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8597% | 5,646 |
| Cost of funding earning assets | 1.3505% | 4,491 |
| Net interest margin | 3.5092% | 5,116 |
| Noninterest income to average assets | 0.7212% | 2,458 |
| Noninterest expense to average assets | 2.9466% | 3,870 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8351% | 2,816 |
| Return on assets (ROA) | 0.8351% | 2,914 |
| Pretax return on assets | 1.0913% | 2,763 |
| Return on Equity (ROE) | 6.4248% | 3,651 |
| Retained earnings to average equity (ytd only) | 6.4248% | 2,396 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9730% | 3,762 |
| Assets per employee ($millions) | 2.4939% | 7,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2776% | 5,056 |
| Loan loss allowance to noncurrent loans | 742.3077% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 7,256 |
| Noncurrent loans to loans | 0.1721% | 6,989 |
| Net loans and leases to total assets | 52.7620% | 6,189 |
| Net loans and leases to deposits | 71.5012% | 5,126 |
| Net loans and leases to core deposits | 72.7428% | 5,636 |
| Total domestic deposits to total assets | 73.7918% | 7,070 |
| Equity capital to assets | 13.0304% | 1,516 |
| Core capital (leverage) ratio | 12.8621% | 1,265 |
| Tier 1 risk-based capital ratio | 20.2743% | 1,471 |
| Total risk-based capital ratio | 21.3534% | 1,473 |
| Memoranda: | ||
| Average total assets | $84,300,000 | 5,623 |
| Average earning assets | $79,676,500 | 5,518 |
| Average equity | $10,957,500 | 4,988 |
| Average total loans | $46,145,000 | 5,829 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2172% | 5,574 |
| Cost of funding earning assets | 1.5229% | 5,417 |
| Net interest margin | 3.6943% | 4,168 |
| Noninterest income to average assets | 0.7684% | 2,566 |
| Noninterest expense to average assets | 2.9668% | 4,274 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.9623% | 1,979 |
| Return on assets (ROA) | 0.9614% | 2,026 |
| Pretax return on assets | 1.2898% | 1,721 |
| Return on Equity (ROE) | 7.4342% | 2,605 |
| Retained earnings to average equity (ytd only) | 2.2896% | 3,510 |
| Net charge-offs to loans | 0.0045% | 7,182 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 538.5000% | 49 |
| Efficiency ratio | 69.6791% | 4,697 |
| Assets per employee ($millions) | 2.4649% | 7,260 |
| Cash dividends to net income (ytd only)* | 69.2020% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 5,156 |
| Loan loss allowance to noncurrent loans | 1,654.2857% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 7,405 |
| Noncurrent loans to loans | 0.0745% | 7,230 |
| Net loans and leases to total assets | 55.3576% | 6,038 |
| Net loans and leases to deposits | 75.2315% | 4,848 |
| Net loans and leases to core deposits | 83.2326% | 5,798 |
| Total domestic deposits to total assets | 73.5830% | 7,073 |
| Equity capital to assets | 12.9657% | 1,522 |
| Core capital (leverage) ratio | 12.9650% | 1,263 |
| Tier 1 risk-based capital ratio | 19.8002% | 1,494 |
| Total risk-based capital ratio | 20.8713% | 1,497 |
| Memoranda: | ||
| Average total assets | $83,422,400 | 5,614 |
| Average earning assets | $78,797,200 | 5,498 |
| Average equity | $10,788,000 | 5,083 |
| Average total loans | $44,238,200 | 5,921 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2407% | 5,727 |
| Cost of funding earning assets | 1.5583% | 5,592 |
| Net interest margin | 3.6824% | 4,150 |
| Noninterest income to average assets | 0.7616% | 2,640 |
| Noninterest expense to average assets | 3.1026% | 3,640 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8617% | 2,570 |
| Return on assets (ROA) | 0.8592% | 2,646 |
| Pretax return on assets | 1.1345% | 2,461 |
| Return on Equity (ROE) | 6.6488% | 3,236 |
| Retained earnings to average equity (ytd only) | 3.5535% | 3,301 |
| Net charge-offs to loans | 0.0092% | 6,824 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 236.9950% | 164 |
| Efficiency ratio | 73.1698% | 4,022 |
| Assets per employee ($millions) | 2.2881% | 7,515 |
| Cash dividends to net income (ytd only)* | 46.5558% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 4,663 |
| Loan loss allowance to noncurrent loans | 760.5263% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 7,320 |
| Noncurrent loans to loans | 0.1674% | 7,070 |
| Net loans and leases to total assets | 54.4026% | 6,335 |
| Net loans and leases to deposits | 73.7246% | 5,398 |
| Net loans and leases to core deposits | 81.8424% | 6,204 |
| Total domestic deposits to total assets | 73.7917% | 6,989 |
| Equity capital to assets | 13.3239% | 1,564 |
| Core capital (leverage) ratio | 13.1413% | 1,339 |
| Tier 1 risk-based capital ratio | 21.3914% | 1,309 |
| Total risk-based capital ratio | 22.5424% | 1,303 |
| Memoranda: | ||
| Average total assets | $83,326,500 | 5,641 |
| Average earning assets | $78,715,250 | 5,535 |
| Average equity | $10,768,500 | 5,123 |
| Average total loans | $43,554,750 | 5,995 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2527% | 5,851 |
| Cost of funding earning assets | 1.6014% | 5,738 |
| Net interest margin | 3.6513% | 4,156 |
| Noninterest income to average assets | 0.7245% | 2,845 |
| Noninterest expense to average assets | 3.1514% | 3,495 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7843% | 2,914 |
| Return on assets (ROA) | 0.7843% | 3,005 |
| Pretax return on assets | 1.0186% | 2,935 |
| Return on Equity (ROE) | 6.1310% | 3,586 |
| Retained earnings to average equity (ytd only) | 1.4580% | 4,515 |
| Net charge-offs to loans | 0.0140% | 6,350 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 142.0000% | 282 |
| Efficiency ratio | 75.5734% | 3,779 |
| Assets per employee ($millions) | 2.2998% | 7,553 |
| Cash dividends to net income (ytd only)* | 76.2195% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 4,447 |
| Loan loss allowance to noncurrent loans | 5,254.5455% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 7,603 |
| Noncurrent loans to loans | 0.0242% | 7,481 |
| Net loans and leases to total assets | 54.1569% | 6,429 |
| Net loans and leases to deposits | 72.2467% | 5,705 |
| Net loans and leases to core deposits | 80.2955% | 6,384 |
| Total domestic deposits to total assets | 74.9610% | 6,769 |
| Equity capital to assets | 12.8420% | 1,769 |
| Core capital (leverage) ratio | 12.6373% | 1,566 |
| Tier 1 risk-based capital ratio | 20.9610% | 1,407 |
| Total risk-based capital ratio | 22.1110% | 1,388 |
| Memoranda: | ||
| Average total assets | $83,645,000 | 5,675 |
| Average earning assets | $78,931,000 | 5,566 |
| Average equity | $10,699,670 | 5,159 |
| Average total loans | $42,943,000 | 6,069 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1880% | 6,340 |
| Cost of funding earning assets | 1.6452% | 5,835 |
| Net interest margin | 3.5428% | 4,553 |
| Noninterest income to average assets | 0.6661% | 3,102 |
| Noninterest expense to average assets | 3.1449% | 3,209 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6804% | 3,661 |
| Return on assets (ROA) | 0.6804% | 3,844 |
| Pretax return on assets | 0.8612% | 3,856 |
| Return on Equity (ROE) | 5.3291% | 4,318 |
| Retained earnings to average equity (ytd only) | 4.9564% | 3,155 |
| Net charge-offs to loans | 0.0767% | 4,410 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 22.6250% | 1,309 |
| Efficiency ratio | 78.5036% | 3,084 |
| Assets per employee ($millions) | 2.3480% | 7,528 |
| Cash dividends to net income (ytd only)* | 6.9930% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 3,598 |
| Loan loss allowance to noncurrent loans | 2,122.2222% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 7,521 |
| Noncurrent loans to loans | 0.0651% | 7,341 |
| Net loans and leases to total assets | 48.3650% | 6,994 |
| Net loans and leases to deposits | 64.1407% | 6,549 |
| Net loans and leases to core deposits | 70.8883% | 6,969 |
| Total domestic deposits to total assets | 75.4046% | 6,625 |
| Equity capital to assets | 12.7532% | 1,857 |
| Core capital (leverage) ratio | 12.6498% | 1,625 |
| Tier 1 risk-based capital ratio | 21.6841% | 1,340 |
| Total risk-based capital ratio | 22.8575% | 1,325 |
| Memoranda: | ||
| Average total assets | $84,072,000 | 5,667 |
| Average earning assets | $79,259,500 | 5,577 |
| Average equity | $10,733,500 | 5,175 |
| Average total loans | $41,707,000 | 6,157 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7503% | 6,598 |
| Cost of funding earning assets | 1.7587% | 7,113 |
| Net interest margin | 3.9916% | 3,156 |
| Noninterest income to average assets | 0.6587% | 3,410 |
| Noninterest expense to average assets | 2.9717% | 4,179 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0738% | 2,239 |
| Return on assets (ROA) | 1.0738% | 2,156 |
| Pretax return on assets | 1.4529% | 1,814 |
| Return on Equity (ROE) | 8.2367% | 2,959 |
| Retained earnings to average equity (ytd only) | 2.9458% | 3,339 |
| Net charge-offs to loans | -0.0051% | 7,787 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1629% | 4,879 |
| Assets per employee ($millions) | 2.2599% | 7,615 |
| Cash dividends to net income (ytd only)* | 64.2361% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3847% | 3,291 |
| Loan loss allowance to noncurrent loans | 774.6667% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 7,222 |
| Noncurrent loans to loans | 0.1787% | 6,852 |
| Net loans and leases to total assets | 49.4857% | 7,073 |
| Net loans and leases to deposits | 66.4003% | 6,611 |
| Net loans and leases to core deposits | 73.8866% | 6,972 |
| Total domestic deposits to total assets | 74.5264% | 6,548 |
| Equity capital to assets | 12.7810% | 1,877 |
| Core capital (leverage) ratio | 12.6028% | 1,706 |
| Tier 1 risk-based capital ratio | 21.2322% | 1,429 |
| Total risk-based capital ratio | 22.4120% | 1,407 |
| Memoranda: | ||
| Average total assets | $80,459,600 | 5,686 |
| Average earning assets | $75,908,600 | 5,589 |
| Average equity | $10,489,600 | 5,269 |
| Average total loans | $39,029,400 | 6,224 |