Home > Vermilion Bank & Trust Company > Performance and Condition Ratios
Vermilion 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 | 4.0381% | 3,900 |
| Cost of funding earning assets | 0.6092% | 4,058 |
| Net interest margin | 3.4288% | 2,344 |
| Noninterest income to average assets | 0.8400% | 858 |
| Noninterest expense to average assets | 2.4236% | 2,515 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.5950% | 873 |
| Return on assets (ROA) | 1.5950% | 841 |
| Pretax return on assets | 1.5950% | 1,242 |
| Return on Equity (ROE) | 22.4200% | 434 |
| Retained earnings to average equity (ytd only) | 10.0408% | 1,009 |
| Net charge-offs to loans | 0.0993% | 913 |
| Credit loss provision to net charge-offs | 192.8571% | 1,249 |
| Earnings coverage of net charge-offs (x) | 36.4714% | 1,505 |
| Efficiency ratio | 59.0011% | 3,186 |
| Assets per employee ($millions) | 5.6205% | 3,146 |
| Cash dividends to net income (ytd only)* | 55.2109% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7702% | 148 |
| Loan loss allowance to noncurrent loans | 184.7458% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.6516% | 822 |
| Noncurrent loans to loans | 1.4995% | 459 |
| Net loans and leases to total assets | 42.2500% | 3,958 |
| Net loans and leases to deposits | 46.0258% | 4,046 |
| Net loans and leases to core deposits | 51.8391% | 4,035 |
| Total domestic deposits to total assets | 91.7900% | 340 |
| Equity capital to assets | 7.4377% | 3,750 |
| Core capital (leverage) ratio | 10.7534% | 2,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4937% | 650 |
| Memoranda: | ||
| Average total assets | $151,595,400 | 3,344 |
| Average earning assets | $144,276,400 | 3,302 |
| Average equity | $10,786,000 | 3,641 |
| Average total loans | $70,486,000 | 3,539 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9718% | 3,898 |
| Cost of funding earning assets | 0.5670% | 4,036 |
| Net interest margin | 3.4048% | 2,443 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 2.4202% | 2,463 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.4512% | 1,219 |
| Return on assets (ROA) | 1.4512% | 1,200 |
| Pretax return on assets | 1.4512% | 1,671 |
| Return on Equity (ROE) | 20.6500% | 660 |
| Retained earnings to average equity (ytd only) | 11.2514% | 1,116 |
| Net charge-offs to loans | 0.1420% | 579 |
| Credit loss provision to net charge-offs | 140.0000% | 1,362 |
| Earnings coverage of net charge-offs (x) | 22.9867% | 1,748 |
| Efficiency ratio | 61.0307% | 2,838 |
| Assets per employee ($millions) | 5.0173% | 3,594 |
| Cash dividends to net income (ytd only)* | 45.5219% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7268% | 159 |
| Loan loss allowance to noncurrent loans | 170.5310% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.8044% | 693 |
| Noncurrent loans to loans | 1.5990% | 438 |
| Net loans and leases to total assets | 48.9300% | 3,688 |
| Net loans and leases to deposits | 53.7534% | 3,797 |
| Net loans and leases to core deposits | 60.3434% | 3,691 |
| Total domestic deposits to total assets | 91.0300% | 660 |
| Equity capital to assets | 7.6401% | 3,273 |
| Core capital (leverage) ratio | 10.8788% | 2,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0395% | 626 |
| Memoranda: | ||
| Average total assets | $148,745,500 | 3,385 |
| Average earning assets | $142,500,250 | 3,325 |
| Average equity | $10,451,750 | 3,673 |
| Average total loans | $70,401,500 | 3,551 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8373% | 3,972 |
| Cost of funding earning assets | 0.5081% | 3,964 |
| Net interest margin | 3.3292% | 2,686 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 2.4119% | 2,441 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.3188% | 1,517 |
| Return on assets (ROA) | 1.3188% | 1,502 |
| Pretax return on assets | 1.3188% | 2,025 |
| Return on Equity (ROE) | 19.2900% | 792 |
| Retained earnings to average equity (ytd only) | 9.8088% | 1,463 |
| Net charge-offs to loans | 0.2162% | 376 |
| Credit loss provision to net charge-offs | 98.6842% | 1,467 |
| Earnings coverage of net charge-offs (x) | 14.1316% | 1,882 |
| Efficiency ratio | 62.9783% | 2,594 |
| Assets per employee ($millions) | 5.0803% | 3,525 |
| Cash dividends to net income (ytd only)* | 49.1491% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6424% | 184 |
| Loan loss allowance to noncurrent loans | 160.8142% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.8816% | 559 |
| Noncurrent loans to loans | 1.6431% | 388 |
| Net loans and leases to total assets | 49.1100% | 3,611 |
| Net loans and leases to deposits | 53.7469% | 3,760 |
| Net loans and leases to core deposits | 60.2273% | 3,622 |
| Total domestic deposits to total assets | 91.3700% | 535 |
| Equity capital to assets | 7.5017% | 3,515 |
| Core capital (leverage) ratio | 10.3555% | 2,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1759% | 701 |
| Memoranda: | ||
| Average total assets | $151,499,667 | 3,363 |
| Average earning assets | $145,258,333 | 3,313 |
| Average equity | $10,358,000 | 3,696 |
| Average total loans | $70,312,333 | 3,560 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6708% | 4,074 |
| Cost of funding earning assets | 0.4435% | 3,854 |
| Net interest margin | 3.2273% | 3,049 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.2674% | 2,900 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.3246% | 1,605 |
| Return on assets (ROA) | 1.3246% | 1,574 |
| Pretax return on assets | 1.3246% | 2,099 |
| Return on Equity (ROE) | 20.2700% | 732 |
| Retained earnings to average equity (ytd only) | 10.6259% | 1,552 |
| Net charge-offs to loans | 0.4311% | 189 |
| Credit loss provision to net charge-offs | 60.0000% | 1,278 |
| Earnings coverage of net charge-offs (x) | 7.4933% | 1,754 |
| Efficiency ratio | 61.1610% | 2,800 |
| Assets per employee ($millions) | 5.2039% | 3,502 |
| Cash dividends to net income (ytd only)* | 47.5822% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6879% | 184 |
| Loan loss allowance to noncurrent loans | 159.9829% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.8524% | 545 |
| Noncurrent loans to loans | 1.6801% | 370 |
| Net loans and leases to total assets | 46.3900% | 3,755 |
| Net loans and leases to deposits | 50.5100% | 3,874 |
| Net loans and leases to core deposits | 56.6933% | 3,707 |
| Total domestic deposits to total assets | 91.8400% | 553 |
| Equity capital to assets | 7.2735% | 3,691 |
| Core capital (leverage) ratio | 9.7431% | 2,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2942% | 713 |
| Memoranda: | ||
| Average total assets | $156,125,500 | 3,375 |
| Average earning assets | $149,723,500 | 3,320 |
| Average equity | $10,201,500 | 3,762 |
| Average total loans | $69,592,000 | 3,614 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3090% | 3,568 |
| Cost of funding earning assets | 0.1897% | 3,839 |
| Net interest margin | 3.1193% | 3,115 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 2.1514% | 3,151 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.3590% | 1,249 |
| Return on assets (ROA) | 1.3590% | 1,205 |
| Pretax return on assets | 1.3590% | 1,908 |
| Return on Equity (ROE) | 20.3400% | 446 |
| Retained earnings to average equity (ytd only) | 7.9638% | 1,852 |
| Net charge-offs to loans | 0.0690% | 957 |
| Credit loss provision to net charge-offs | 504.2553% | 674 |
| Earnings coverage of net charge-offs (x) | 51.1277% | 1,346 |
| Efficiency ratio | 58.7963% | 3,218 |
| Assets per employee ($millions) | 5.9480% | 2,813 |
| Cash dividends to net income (ytd only)* | 60.8495% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7207% | 169 |
| Loan loss allowance to noncurrent loans | 128.7848% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.8845% | 508 |
| Noncurrent loans to loans | 2.1126% | 254 |
| Net loans and leases to total assets | 40.7300% | 4,039 |
| Net loans and leases to deposits | 43.5574% | 4,133 |
| Net loans and leases to core deposits | 47.5846% | 4,072 |
| Total domestic deposits to total assets | 93.5000% | 307 |
| Equity capital to assets | 5.8874% | 4,136 |
| Core capital (leverage) ratio | 9.7229% | 2,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1982% | 805 |
| Memoranda: | ||
| Average total assets | $159,387,400 | 3,352 |
| Average earning assets | $153,368,400 | 3,291 |
| Average equity | $10,648,200 | 3,798 |
| Average total loans | $68,092,600 | 3,606 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3226% | 3,120 |
| Cost of funding earning assets | 0.1467% | 3,879 |
| Net interest margin | 3.1759% | 2,698 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 2.1869% | 2,971 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.3985% | 1,096 |
| Return on assets (ROA) | 1.3985% | 1,065 |
| Pretax return on assets | 1.3985% | 1,724 |
| Return on Equity (ROE) | 20.3000% | 409 |
| Retained earnings to average equity (ytd only) | 11.4311% | 933 |
| Net charge-offs to loans | 0.1221% | 518 |
| Credit loss provision to net charge-offs | 250.0000% | 892 |
| Earnings coverage of net charge-offs (x) | 29.1613% | 1,532 |
| Efficiency ratio | 58.8436% | 3,276 |
| Assets per employee ($millions) | 5.2417% | 3,465 |
| Cash dividends to net income (ytd only)* | 43.6782% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6377% | 200 |
| Loan loss allowance to noncurrent loans | 98.1997% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 1.2612% | 304 |
| Noncurrent loans to loans | 2.6861% | 186 |
| Net loans and leases to total assets | 45.2700% | 3,806 |
| Net loans and leases to deposits | 48.7973% | 3,920 |
| Net loans and leases to core deposits | 53.9912% | 3,745 |
| Total domestic deposits to total assets | 92.7700% | 641 |
| Equity capital to assets | 6.1499% | 3,904 |
| Core capital (leverage) ratio | 9.1494% | 3,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5055% | 681 |
| Memoranda: | ||
| Average total assets | $157,598,500 | 3,393 |
| Average earning assets | $151,805,250 | 3,332 |
| Average equity | $10,859,000 | 3,825 |
| Average total loans | $67,684,500 | 3,628 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3227% | 2,665 |
| Cost of funding earning assets | 0.1312% | 3,827 |
| Net interest margin | 3.1915% | 2,216 |
| Noninterest income to average assets | 0.5918% | 1,777 |
| Noninterest expense to average assets | 2.1475% | 3,010 |
| Loan and lease loss provision to assets | 0.1117% | 896 |
| Net operating income to assets | 1.4118% | 878 |
| Return on assets (ROA) | 1.4118% | 855 |
| Pretax return on assets | 1.4118% | 1,402 |
| Return on Equity (ROE) | 19.8431% | 317 |
| Retained earnings to average equity (ytd only) | 11.4734% | 705 |
| Net charge-offs to loans | 0.0385% | 998 |
| Credit loss provision to net charge-offs | 692.3077% | 519 |
| Earnings coverage of net charge-offs (x) | 94.4615% | 847 |
| Efficiency ratio | 58.4995% | 3,486 |
| Assets per employee ($millions) | 5.5852% | 3,138 |
| Cash dividends to net income (ytd only)* | 42.1793% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6714% | 203 |
| Loan loss allowance to noncurrent loans | 95.1974% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 1.2546% | 330 |
| Noncurrent loans to loans | 2.8061% | 184 |
| Net loans and leases to total assets | 43.1018% | 3,899 |
| Net loans and leases to deposits | 46.7376% | 3,996 |
| Net loans and leases to core deposits | 52.7791% | 3,768 |
| Total domestic deposits to total assets | 92.2209% | 750 |
| Equity capital to assets | 6.8660% | 3,838 |
| Core capital (leverage) ratio | 8.5397% | 3,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3786% | 669 |
| Memoranda: | ||
| Average total assets | $161,209,000 | 3,400 |
| Average earning assets | $155,537,333 | 3,346 |
| Average equity | $11,470,000 | 3,835 |
| Average total loans | $67,499,000 | 3,665 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4108% | 2,056 |
| Cost of funding earning assets | 0.1344% | 3,709 |
| Net interest margin | 3.2764% | 1,627 |
| Noninterest income to average assets | 0.5552% | 1,880 |
| Noninterest expense to average assets | 2.0960% | 3,156 |
| Loan and lease loss provision to assets | 0.1082% | 771 |
| Net operating income to assets | 1.5143% | 608 |
| Return on assets (ROA) | 1.5143% | 599 |
| Pretax return on assets | 1.5143% | 988 |
| Return on Equity (ROE) | 20.9511% | 202 |
| Retained earnings to average equity (ytd only) | 13.0362% | 462 |
| Net charge-offs to loans | -0.0059% | 3,394 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3672% | 3,843 |
| Assets per employee ($millions) | 5.7246% | 3,089 |
| Cash dividends to net income (ytd only)* | 37.7778% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6432% | 249 |
| Loan loss allowance to noncurrent loans | 103.9739% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 1.0631% | 458 |
| Noncurrent loans to loans | 2.5422% | 236 |
| Net loans and leases to total assets | 40.2816% | 3,992 |
| Net loans and leases to deposits | 43.6069% | 4,084 |
| Net loans and leases to core deposits | 52.2180% | 3,713 |
| Total domestic deposits to total assets | 92.3744% | 442 |
| Equity capital to assets | 6.8907% | 4,264 |
| Core capital (leverage) ratio | 8.3400% | 4,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5616% | 819 |
| Memoranda: | ||
| Average total assets | $166,413,000 | 3,375 |
| Average earning assets | $160,666,500 | 3,321 |
| Average equity | $12,028,000 | 3,860 |
| Average total loans | $67,857,500 | 3,662 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2512% | 3,339 |
| Cost of funding earning assets | 0.1594% | 3,874 |
| Net interest margin | 3.0918% | 2,931 |
| Noninterest income to average assets | 0.5865% | 2,219 |
| Noninterest expense to average assets | 2.1172% | 3,345 |
| Loan and lease loss provision to assets | 0.1141% | 1,101 |
| Net operating income to assets | 1.3436% | 1,467 |
| Return on assets (ROA) | 1.3436% | 1,499 |
| Pretax return on assets | 1.3436% | 2,228 |
| Return on Equity (ROE) | 16.3827% | 694 |
| Retained earnings to average equity (ytd only) | 6.3783% | 2,186 |
| Net charge-offs to loans | 0.1184% | 762 |
| Credit loss provision to net charge-offs | 214.2857% | 1,271 |
| Earnings coverage of net charge-offs (x) | 27.3690% | 1,678 |
| Efficiency ratio | 59.2231% | 3,268 |
| Assets per employee ($millions) | 6.1620% | 2,596 |
| Cash dividends to net income (ytd only)* | 61.0665% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4598% | 296 |
| Loan loss allowance to noncurrent loans | 138.3306% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.7152% | 879 |
| Noncurrent loans to loans | 1.7782% | 479 |
| Net loans and leases to total assets | 39.2310% | 4,135 |
| Net loans and leases to deposits | 42.6973% | 4,241 |
| Net loans and leases to core deposits | 49.3695% | 4,037 |
| Total domestic deposits to total assets | 91.8817% | 212 |
| Equity capital to assets | 7.5410% | 4,578 |
| Core capital (leverage) ratio | 8.3181% | 4,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3235% | 987 |
| Memoranda: | ||
| Average total assets | $157,708,600 | 3,415 |
| Average earning assets | $152,436,200 | 3,356 |
| Average equity | $12,934,400 | 3,837 |
| Average total loans | $70,951,800 | 3,628 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2790% | 3,445 |
| Cost of funding earning assets | 0.1711% | 3,910 |
| Net interest margin | 3.1079% | 3,033 |
| Noninterest income to average assets | 0.5861% | 2,268 |
| Noninterest expense to average assets | 2.1722% | 3,159 |
| Loan and lease loss provision to assets | 0.1169% | 1,021 |
| Net operating income to assets | 1.3004% | 1,830 |
| Return on assets (ROA) | 1.3004% | 1,886 |
| Pretax return on assets | 1.3004% | 2,624 |
| Return on Equity (ROE) | 15.5058% | 1,041 |
| Retained earnings to average equity (ytd only) | 8.1246% | 2,015 |
| Net charge-offs to loans | 0.1103% | 695 |
| Credit loss provision to net charge-offs | 228.8136% | 1,148 |
| Earnings coverage of net charge-offs (x) | 27.7458% | 1,566 |
| Efficiency ratio | 60.5162% | 2,908 |
| Assets per employee ($millions) | 5.5776% | 3,114 |
| Cash dividends to net income (ytd only)* | 47.6032% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3712% | 349 |
| Loan loss allowance to noncurrent loans | 132.0814% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.8183% | 867 |
| Noncurrent loans to loans | 1.7952% | 538 |
| Net loans and leases to total assets | 44.5022% | 3,909 |
| Net loans and leases to deposits | 49.2150% | 4,051 |
| Net loans and leases to core deposits | 58.4889% | 3,587 |
| Total domestic deposits to total assets | 90.4240% | 594 |
| Equity capital to assets | 8.5367% | 4,187 |
| Core capital (leverage) ratio | 8.4693% | 4,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5220% | 1,245 |
| Memoranda: | ||
| Average total assets | $154,001,500 | 3,484 |
| Average earning assets | $148,823,500 | 3,426 |
| Average equity | $12,915,250 | 3,889 |
| Average total loans | $71,341,000 | 3,678 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1284% | 3,808 |
| Cost of funding earning assets | 0.1807% | 3,937 |
| Net interest margin | 2.9477% | 3,453 |
| Noninterest income to average assets | 0.5011% | 2,621 |
| Noninterest expense to average assets | 2.1856% | 3,137 |
| Loan and lease loss provision to assets | 0.1174% | 1,074 |
| Net operating income to assets | 1.0504% | 2,720 |
| Return on assets (ROA) | 1.0504% | 2,796 |
| Pretax return on assets | 1.0504% | 3,333 |
| Return on Equity (ROE) | 12.6014% | 1,851 |
| Retained earnings to average equity (ytd only) | 5.1501% | 3,132 |
| Net charge-offs to loans | 0.1653% | 503 |
| Credit loss provision to net charge-offs | 152.5424% | 1,157 |
| Earnings coverage of net charge-offs (x) | 15.1695% | 1,644 |
| Efficiency ratio | 65.1751% | 2,272 |
| Assets per employee ($millions) | 5.4756% | 3,153 |
| Cash dividends to net income (ytd only)* | 59.1304% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2186% | 412 |
| Loan loss allowance to noncurrent loans | 119.7522% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.8949% | 866 |
| Noncurrent loans to loans | 1.8526% | 549 |
| Net loans and leases to total assets | 47.2312% | 3,802 |
| Net loans and leases to deposits | 52.0810% | 3,987 |
| Net loans and leases to core deposits | 61.7561% | 3,485 |
| Total domestic deposits to total assets | 90.6880% | 483 |
| Equity capital to assets | 8.3819% | 4,295 |
| Core capital (leverage) ratio | 8.3083% | 4,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0206% | 1,117 |
| Memoranda: | ||
| Average total assets | $153,278,000 | 3,500 |
| Average earning assets | $148,317,333 | 3,441 |
| Average equity | $12,776,333 | 3,909 |
| Average total loans | $71,392,000 | 3,699 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8945% | 4,261 |
| Cost of funding earning assets | 0.1915% | 3,995 |
| Net interest margin | 2.7029% | 3,960 |
| Noninterest income to average assets | 0.4959% | 2,629 |
| Noninterest expense to average assets | 2.1741% | 3,184 |
| Loan and lease loss provision to assets | 0.1174% | 1,164 |
| Net operating income to assets | 0.8195% | 3,354 |
| Return on assets (ROA) | 0.8195% | 3,428 |
| Pretax return on assets | 0.8195% | 3,775 |
| Return on Equity (ROE) | 9.8595% | 2,747 |
| Retained earnings to average equity (ytd only) | 2.3864% | 3,934 |
| Net charge-offs to loans | 0.3140% | 267 |
| Credit loss provision to net charge-offs | 81.8182% | 1,198 |
| Earnings coverage of net charge-offs (x) | 6.5273% | 1,644 |
| Efficiency ratio | 69.8826% | 1,719 |
| Assets per employee ($millions) | 5.2954% | 3,340 |
| Cash dividends to net income (ytd only)* | 75.7962% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2388% | 395 |
| Loan loss allowance to noncurrent loans | 126.6403% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.8532% | 1,042 |
| Noncurrent loans to loans | 1.7678% | 669 |
| Net loans and leases to total assets | 47.1795% | 3,881 |
| Net loans and leases to deposits | 52.0460% | 4,042 |
| Net loans and leases to core deposits | 57.8931% | 3,843 |
| Total domestic deposits to total assets | 90.6496% | 522 |
| Equity capital to assets | 8.5202% | 4,097 |
| Core capital (leverage) ratio | 8.5217% | 4,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9788% | 1,290 |
| Memoranda: | ||
| Average total assets | $153,258,000 | 3,497 |
| Average earning assets | $148,283,500 | 3,437 |
| Average equity | $12,739,000 | 3,923 |
| Average total loans | $70,059,500 | 3,734 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7545% | 3,432 |
| Cost of funding earning assets | 0.2887% | 4,208 |
| Net interest margin | 3.4657% | 2,575 |
| Noninterest income to average assets | 0.7364% | 1,731 |
| Noninterest expense to average assets | 2.5317% | 2,747 |
| Loan and lease loss provision to assets | 0.2676% | 1,440 |
| Net operating income to assets | 1.2572% | 1,367 |
| Return on assets (ROA) | 1.2572% | 1,474 |
| Pretax return on assets | 1.2572% | 2,130 |
| Return on Equity (ROE) | 13.0610% | 1,029 |
| Retained earnings to average equity (ytd only) | 2.9442% | 3,396 |
| Net charge-offs to loans | -0.0617% | 4,714 |
| Credit loss provision to net charge-offs | -845.2381% | 4,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4117% | 3,056 |
| Assets per employee ($millions) | 5.4567% | 2,886 |
| Cash dividends to net income (ytd only)* | 77.4580% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3511% | 315 |
| Loan loss allowance to noncurrent loans | 155.4484% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.6553% | 1,601 |
| Noncurrent loans to loans | 1.5125% | 876 |
| Net loans and leases to total assets | 42.3087% | 4,336 |
| Net loans and leases to deposits | 46.3929% | 4,449 |
| Net loans and leases to core deposits | 51.5754% | 4,365 |
| Total domestic deposits to total assets | 91.1965% | 179 |
| Equity capital to assets | 8.1172% | 4,656 |
| Core capital (leverage) ratio | 8.8338% | 3,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1368% | 1,230 |
| Memoranda: | ||
| Average total assets | $132,675,800 | 3,597 |
| Average earning assets | $127,102,000 | 3,544 |
| Average equity | $12,770,800 | 3,887 |
| Average total loans | $68,103,000 | 3,769 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0527% | 2,813 |
| Cost of funding earning assets | 0.3176% | 4,228 |
| Net interest margin | 3.7351% | 1,815 |
| Noninterest income to average assets | 0.7845% | 1,555 |
| Noninterest expense to average assets | 2.6669% | 2,348 |
| Loan and lease loss provision to assets | 0.2748% | 1,463 |
| Net operating income to assets | 1.4063% | 1,084 |
| Return on assets (ROA) | 1.4063% | 1,176 |
| Pretax return on assets | 1.4063% | 1,708 |
| Return on Equity (ROE) | 13.9266% | 895 |
| Retained earnings to average equity (ytd only) | 6.4614% | 1,899 |
| Net charge-offs to loans | -0.0255% | 4,478 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3405% | 3,175 |
| Assets per employee ($millions) | 4.6083% | 3,716 |
| Cash dividends to net income (ytd only)* | 53.6036% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2018% | 353 |
| Loan loss allowance to noncurrent loans | 136.0146% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.8186% | 1,409 |
| Noncurrent loans to loans | 1.6188% | 870 |
| Net loans and leases to total assets | 49.4545% | 4,122 |
| Net loans and leases to deposits | 55.6236% | 4,277 |
| Net loans and leases to core deposits | 63.3320% | 4,037 |
| Total domestic deposits to total assets | 88.9092% | 812 |
| Equity capital to assets | 9.8105% | 3,415 |
| Core capital (leverage) ratio | 9.7463% | 2,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2317% | 1,016 |
| Memoranda: | ||
| Average total assets | $126,283,750 | 3,664 |
| Average earning assets | $120,475,500 | 3,612 |
| Average equity | $12,752,250 | 3,891 |
| Average total loans | $67,988,000 | 3,788 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2762% | 2,532 |
| Cost of funding earning assets | 0.3363% | 4,329 |
| Net interest margin | 3.9399% | 1,470 |
| Noninterest income to average assets | 0.7930% | 1,454 |
| Noninterest expense to average assets | 2.6972% | 2,391 |
| Loan and lease loss provision to assets | 0.2261% | 1,852 |
| Net operating income to assets | 1.6167% | 737 |
| Return on assets (ROA) | 1.6167% | 807 |
| Pretax return on assets | 1.6167% | 1,190 |
| Return on Equity (ROE) | 15.8478% | 591 |
| Retained earnings to average equity (ytd only) | 8.3118% | 1,221 |
| Net charge-offs to loans | -0.0470% | 4,668 |
| Credit loss provision to net charge-offs | -875.0000% | 3,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4095% | 3,503 |
| Assets per employee ($millions) | 4.3540% | 3,951 |
| Cash dividends to net income (ytd only)* | 47.5524% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9787% | 451 |
| Loan loss allowance to noncurrent loans | 134.6758% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.8062% | 1,544 |
| Noncurrent loans to loans | 1.4693% | 1,036 |
| Net loans and leases to total assets | 53.7880% | 3,891 |
| Net loans and leases to deposits | 60.8386% | 4,075 |
| Net loans and leases to core deposits | 69.9249% | 3,711 |
| Total domestic deposits to total assets | 88.4110% | 985 |
| Equity capital to assets | 10.3559% | 2,882 |
| Core capital (leverage) ratio | 10.0535% | 2,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1274% | 1,032 |
| Memoranda: | ||
| Average total assets | $123,831,000 | 3,675 |
| Average earning assets | $117,768,000 | 3,624 |
| Average equity | $12,632,667 | 3,914 |
| Average total loans | $68,124,000 | 3,790 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2297% | 3,120 |
| Cost of funding earning assets | 0.3536% | 4,505 |
| Net interest margin | 3.8761% | 1,744 |
| Noninterest income to average assets | 0.6949% | 1,672 |
| Noninterest expense to average assets | 2.7827% | 2,478 |
| Loan and lease loss provision to assets | 0.2120% | 1,444 |
| Net operating income to assets | 1.3832% | 1,030 |
| Return on assets (ROA) | 1.3832% | 1,107 |
| Pretax return on assets | 1.3832% | 1,614 |
| Return on Equity (ROE) | 13.6653% | 768 |
| Retained earnings to average equity (ytd only) | 5.9947% | 1,873 |
| Net charge-offs to loans | -0.1658% | 4,918 |
| Credit loss provision to net charge-offs | -232.1429% | 3,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5618% | 3,299 |
| Assets per employee ($millions) | 4.0202% | 3,891 |
| Cash dividends to net income (ytd only)* | 56.1321% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9540% | 547 |
| Loan loss allowance to noncurrent loans | 137.1069% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 1.1382% | 1,124 |
| Noncurrent loans to loans | 1.4252% | 1,116 |
| Net loans and leases to total assets | 56.2932% | 3,816 |
| Net loans and leases to deposits | 63.9450% | 3,988 |
| Net loans and leases to core deposits | 71.7762% | 3,770 |
| Total domestic deposits to total assets | 88.0337% | 1,094 |
| Equity capital to assets | 10.7809% | 3,066 |
| Core capital (leverage) ratio | 10.3494% | 3,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5590% | 1,060 |
| Memoranda: | ||
| Average total assets | $122,613,500 | 3,671 |
| Average earning assets | $116,509,500 | 3,619 |
| Average equity | $12,411,000 | 3,955 |
| Average total loans | $67,542,500 | 3,811 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5486% | 2,784 |
| Cost of funding earning assets | 0.3876% | 4,484 |
| Net interest margin | 4.1610% | 1,391 |
| Noninterest income to average assets | 0.7628% | 1,573 |
| Noninterest expense to average assets | 3.0113% | 1,989 |
| Loan and lease loss provision to assets | 0.4068% | 351 |
| Net operating income to assets | 1.3120% | 1,642 |
| Return on assets (ROA) | 1.3137% | 1,716 |
| Pretax return on assets | 1.3137% | 2,459 |
| Return on Equity (ROE) | 12.8424% | 1,220 |
| Retained earnings to average equity (ytd only) | 2.7176% | 3,679 |
| Net charge-offs to loans | 0.3187% | 648 |
| Credit loss provision to net charge-offs | 209.6070% | 1,270 |
| Earnings coverage of net charge-offs (x) | 8.8559% | 2,723 |
| Efficiency ratio | 63.6624% | 3,123 |
| Assets per employee ($millions) | 4.4359% | 3,323 |
| Cash dividends to net income (ytd only)* | 78.8387% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7829% | 678 |
| Loan loss allowance to noncurrent loans | 76.5113% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.3122% | 839 |
| Noncurrent loans to loans | 2.3303% | 505 |
| Net loans and leases to total assets | 52.0301% | 4,224 |
| Net loans and leases to deposits | 58.1062% | 4,369 |
| Net loans and leases to core deposits | 64.0118% | 4,276 |
| Total domestic deposits to total assets | 89.5430% | 476 |
| Equity capital to assets | 9.5250% | 4,334 |
| Core capital (leverage) ratio | 10.4911% | 2,959 |
| Tier 1 risk-based capital ratio | 16.1600% | 2,345 |
| Total risk-based capital ratio | 17.4123% | 2,294 |
| Memoranda: | ||
| Average total assets | $117,988,600 | 3,732 |
| Average earning assets | $112,497,000 | 3,669 |
| Average equity | $12,069,400 | 3,992 |
| Average total loans | $71,860,200 | 3,740 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7091% | 2,392 |
| Cost of funding earning assets | 0.3970% | 4,515 |
| Net interest margin | 4.3121% | 1,142 |
| Noninterest income to average assets | 0.7839% | 1,471 |
| Noninterest expense to average assets | 3.1134% | 1,686 |
| Loan and lease loss provision to assets | 0.4162% | 315 |
| Net operating income to assets | 1.3735% | 1,558 |
| Return on assets (ROA) | 1.3758% | 1,620 |
| Pretax return on assets | 1.3758% | 2,399 |
| Return on Equity (ROE) | 13.1961% | 1,205 |
| Retained earnings to average equity (ytd only) | 5.3006% | 2,733 |
| Net charge-offs to loans | 0.3517% | 484 |
| Credit loss provision to net charge-offs | 187.5000% | 1,392 |
| Earnings coverage of net charge-offs (x) | 8.0626% | 2,692 |
| Efficiency ratio | 63.4992% | 3,092 |
| Assets per employee ($millions) | 3.6607% | 4,320 |
| Cash dividends to net income (ytd only)* | 59.8318% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6014% | 993 |
| Loan loss allowance to noncurrent loans | 73.4112% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 1.4951% | 747 |
| Noncurrent loans to loans | 2.1814% | 587 |
| Net loans and leases to total assets | 63.3343% | 3,352 |
| Net loans and leases to deposits | 72.7997% | 3,569 |
| Net loans and leases to core deposits | 82.4805% | 3,214 |
| Total domestic deposits to total assets | 86.9981% | 1,519 |
| Equity capital to assets | 11.3110% | 2,829 |
| Core capital (leverage) ratio | 11.0750% | 2,581 |
| Tier 1 risk-based capital ratio | 16.7783% | 2,157 |
| Total risk-based capital ratio | 18.0311% | 2,103 |
| Memoranda: | ||
| Average total assets | $115,325,500 | 3,802 |
| Average earning assets | $110,167,500 | 3,749 |
| Average equity | $12,023,500 | 4,033 |
| Average total loans | $72,788,500 | 3,764 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6935% | 2,379 |
| Cost of funding earning assets | 0.3908% | 4,546 |
| Net interest margin | 4.3026% | 1,140 |
| Noninterest income to average assets | 0.6965% | 1,730 |
| Noninterest expense to average assets | 3.0847% | 1,776 |
| Loan and lease loss provision to assets | 0.4097% | 294 |
| Net operating income to assets | 1.3179% | 1,706 |
| Return on assets (ROA) | 1.3213% | 1,753 |
| Pretax return on assets | 1.3213% | 2,472 |
| Return on Equity (ROE) | 13.0186% | 1,234 |
| Retained earnings to average equity (ytd only) | 5.0292% | 2,757 |
| Net charge-offs to loans | 0.4246% | 392 |
| Credit loss provision to net charge-offs | 153.8462% | 1,458 |
| Earnings coverage of net charge-offs (x) | 6.4872% | 2,565 |
| Efficiency ratio | 64.1007% | 3,117 |
| Assets per employee ($millions) | 3.6919% | 4,255 |
| Cash dividends to net income (ytd only)* | 61.3695% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4294% | 1,494 |
| Loan loss allowance to noncurrent loans | 61.8289% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 1.5529% | 708 |
| Noncurrent loans to loans | 2.3118% | 562 |
| Net loans and leases to total assets | 65.2528% | 3,197 |
| Net loans and leases to deposits | 74.5987% | 3,467 |
| Net loans and leases to core deposits | 84.1272% | 3,097 |
| Total domestic deposits to total assets | 87.4717% | 1,353 |
| Equity capital to assets | 11.0359% | 3,008 |
| Core capital (leverage) ratio | 10.7565% | 2,833 |
| Tier 1 risk-based capital ratio | 16.0638% | 2,385 |
| Total risk-based capital ratio | 17.3143% | 2,329 |
| Memoranda: | ||
| Average total assets | $117,160,000 | 3,807 |
| Average earning assets | $112,071,000 | 3,736 |
| Average equity | $11,890,670 | 4,059 |
| Average total loans | $73,489,000 | 3,773 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6384% | 2,421 |
| Cost of funding earning assets | 0.3822% | 4,565 |
| Net interest margin | 4.2562% | 1,180 |
| Noninterest income to average assets | 0.6580% | 1,792 |
| Noninterest expense to average assets | 3.0043% | 1,986 |
| Loan and lease loss provision to assets | 0.3988% | 292 |
| Net operating income to assets | 1.3260% | 1,608 |
| Return on assets (ROA) | 1.3327% | 1,624 |
| Pretax return on assets | 1.3327% | 2,321 |
| Return on Equity (ROE) | 13.6808% | 1,038 |
| Retained earnings to average equity (ytd only) | 5.5951% | 2,645 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5278% | 3,310 |
| Assets per employee ($millions) | 3.7641% | 4,248 |
| Cash dividends to net income (ytd only)* | 59.1022% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4498% | 1,511 |
| Loan loss allowance to noncurrent loans | 74.0943% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 1.3177% | 984 |
| Noncurrent loans to loans | 1.9567% | 764 |
| Net loans and leases to total assets | 65.2507% | 3,139 |
| Net loans and leases to deposits | 74.0042% | 3,454 |
| Net loans and leases to core deposits | 83.1543% | 3,096 |
| Total domestic deposits to total assets | 88.1716% | 1,246 |
| Equity capital to assets | 10.5568% | 3,299 |
| Core capital (leverage) ratio | 9.9239% | 3,684 |
| Tier 1 risk-based capital ratio | 15.6360% | 2,589 |
| Total risk-based capital ratio | 16.8880% | 2,515 |
| Memoranda: | ||
| Average total assets | $120,361,500 | 3,798 |
| Average earning assets | $115,127,000 | 3,730 |
| Average equity | $11,724,500 | 4,100 |
| Average total loans | $73,573,500 | 3,810 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4709% | 2,547 |
| Cost of funding earning assets | 0.2591% | 4,764 |
| Net interest margin | 4.2118% | 1,365 |
| Noninterest income to average assets | 0.8700% | 1,263 |
| Noninterest expense to average assets | 3.0891% | 1,829 |
| Loan and lease loss provision to assets | 0.4001% | 339 |
| Net operating income to assets | 1.3935% | 1,452 |
| Return on assets (ROA) | 1.3969% | 1,435 |
| Pretax return on assets | 1.3969% | 2,149 |
| Return on Equity (ROE) | 14.3859% | 961 |
| Retained earnings to average equity (ytd only) | 2.8579% | 3,973 |
| Net charge-offs to loans | 0.2522% | 764 |
| Credit loss provision to net charge-offs | 248.6772% | 1,196 |
| Earnings coverage of net charge-offs (x) | 11.1481% | 2,649 |
| Efficiency ratio | 63.2671% | 3,292 |
| Assets per employee ($millions) | 4.4069% | 3,299 |
| Cash dividends to net income (ytd only)* | 80.1341% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 1,898 |
| Loan loss allowance to noncurrent loans | 65.4891% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 1.1714% | 1,120 |
| Noncurrent loans to loans | 2.0337% | 661 |
| Net loans and leases to total assets | 55.8811% | 4,142 |
| Net loans and leases to deposits | 62.0539% | 4,371 |
| Net loans and leases to core deposits | 67.1493% | 4,290 |
| Total domestic deposits to total assets | 90.0524% | 459 |
| Equity capital to assets | 9.0203% | 4,562 |
| Core capital (leverage) ratio | 10.2651% | 3,287 |
| Tier 1 risk-based capital ratio | 15.5223% | 2,607 |
| Total risk-based capital ratio | 16.7719% | 2,535 |
| Memoranda: | ||
| Average total assets | $117,476,200 | 3,831 |
| Average earning assets | $111,923,000 | 3,779 |
| Average equity | $11,407,000 | 4,100 |
| Average total loans | $74,931,600 | 3,774 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5908% | 2,003 |
| Cost of funding earning assets | 0.2416% | 4,836 |
| Net interest margin | 4.3492% | 1,014 |
| Noninterest income to average assets | 0.9249% | 1,125 |
| Noninterest expense to average assets | 3.2945% | 1,312 |
| Loan and lease loss provision to assets | 0.4178% | 305 |
| Net operating income to assets | 1.3484% | 1,667 |
| Return on assets (ROA) | 1.3542% | 1,654 |
| Pretax return on assets | 1.3542% | 2,408 |
| Return on Equity (ROE) | 13.6767% | 1,209 |
| Retained earnings to average equity (ytd only) | 5.1683% | 3,141 |
| Net charge-offs to loans | 0.2946% | 564 |
| Credit loss provision to net charge-offs | 215.5689% | 1,306 |
| Earnings coverage of net charge-offs (x) | 9.1138% | 2,666 |
| Efficiency ratio | 65.0997% | 3,019 |
| Assets per employee ($millions) | 3.8087% | 4,163 |
| Cash dividends to net income (ytd only)* | 62.2111% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1586% | 2,854 |
| Loan loss allowance to noncurrent loans | 79.4918% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.0611% | 1,357 |
| Noncurrent loans to loans | 1.4575% | 1,120 |
| Net loans and leases to total assets | 67.6599% | 2,992 |
| Net loans and leases to deposits | 77.0177% | 3,321 |
| Net loans and leases to core deposits | 84.7742% | 3,096 |
| Total domestic deposits to total assets | 87.8498% | 1,309 |
| Equity capital to assets | 10.3937% | 3,243 |
| Core capital (leverage) ratio | 10.6316% | 2,954 |
| Tier 1 risk-based capital ratio | 15.3917% | 2,700 |
| Total risk-based capital ratio | 16.5256% | 2,677 |
| Memoranda: | ||
| Average total assets | $114,895,250 | 3,912 |
| Average earning assets | $109,258,750 | 3,856 |
| Average equity | $11,376,750 | 4,141 |
| Average total loans | $75,569,500 | 3,797 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5086% | 2,069 |
| Cost of funding earning assets | 0.2257% | 4,881 |
| Net interest margin | 4.2829% | 1,069 |
| Noninterest income to average assets | 0.6995% | 1,872 |
| Noninterest expense to average assets | 3.0797% | 1,837 |
| Loan and lease loss provision to assets | 0.4125% | 290 |
| Net operating income to assets | 1.2838% | 1,845 |
| Return on assets (ROA) | 1.2924% | 1,796 |
| Pretax return on assets | 1.2924% | 2,545 |
| Return on Equity (ROE) | 13.2601% | 1,278 |
| Retained earnings to average equity (ytd only) | 4.7257% | 3,221 |
| Net charge-offs to loans | 0.3573% | 442 |
| Credit loss provision to net charge-offs | 177.7778% | 1,409 |
| Earnings coverage of net charge-offs (x) | 7.3111% | 2,558 |
| Efficiency ratio | 64.4836% | 3,248 |
| Assets per employee ($millions) | 3.8267% | 4,172 |
| Cash dividends to net income (ytd only)* | 64.3617% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0433% | 3,571 |
| Loan loss allowance to noncurrent loans | 75.4067% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 0.9417% | 1,604 |
| Noncurrent loans to loans | 1.3836% | 1,227 |
| Net loans and leases to total assets | 67.3497% | 2,970 |
| Net loans and leases to deposits | 76.3635% | 3,296 |
| Net loans and leases to core deposits | 84.2378% | 3,062 |
| Total domestic deposits to total assets | 88.1962% | 1,275 |
| Equity capital to assets | 10.2620% | 3,377 |
| Core capital (leverage) ratio | 10.3983% | 3,141 |
| Tier 1 risk-based capital ratio | 15.1365% | 2,804 |
| Total risk-based capital ratio | 16.1543% | 2,841 |
| Memoranda: | ||
| Average total assets | $116,376,670 | 3,923 |
| Average earning assets | $110,767,000 | 3,862 |
| Average equity | $11,342,330 | 4,178 |
| Average total loans | $75,557,000 | 3,819 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3858% | 2,243 |
| Cost of funding earning assets | 0.2370% | 4,787 |
| Net interest margin | 4.1488% | 1,302 |
| Noninterest income to average assets | 0.6785% | 1,920 |
| Noninterest expense to average assets | 2.9829% | 2,105 |
| Loan and lease loss provision to assets | 0.4031% | 279 |
| Net operating income to assets | 1.2328% | 1,879 |
| Return on assets (ROA) | 1.2496% | 1,820 |
| Pretax return on assets | 1.2496% | 2,553 |
| Return on Equity (ROE) | 13.1455% | 1,222 |
| Retained earnings to average equity (ytd only) | 4.5938% | 3,364 |
| Net charge-offs to loans | 0.5505% | 273 |
| Credit loss provision to net charge-offs | 115.3846% | 1,413 |
| Earnings coverage of net charge-offs (x) | 4.6827% | 2,278 |
| Efficiency ratio | 64.5818% | 3,390 |
| Assets per employee ($millions) | 3.9030% | 4,149 |
| Cash dividends to net income (ytd only)* | 65.0538% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9340% | 4,289 |
| Loan loss allowance to noncurrent loans | 58.1531% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 1.0620% | 1,469 |
| Noncurrent loans to loans | 1.6061% | 1,082 |
| Net loans and leases to total assets | 65.5019% | 3,113 |
| Net loans and leases to deposits | 73.8414% | 3,426 |
| Net loans and leases to core deposits | 81.2126% | 3,220 |
| Total domestic deposits to total assets | 88.7062% | 1,252 |
| Equity capital to assets | 9.9668% | 3,628 |
| Core capital (leverage) ratio | 10.0165% | 3,516 |
| Tier 1 risk-based capital ratio | 14.8479% | 2,954 |
| Total risk-based capital ratio | 15.7441% | 3,031 |
| Memoranda: | ||
| Average total assets | $119,078,500 | 3,912 |
| Average earning assets | $113,093,000 | 3,864 |
| Average equity | $11,319,500 | 4,224 |
| Average total loans | $75,571,500 | 3,847 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3678% | 2,119 |
| Cost of funding earning assets | 0.2355% | 4,685 |
| Net interest margin | 4.1323% | 1,342 |
| Noninterest income to average assets | 0.7368% | 1,817 |
| Noninterest expense to average assets | 2.9318% | 2,341 |
| Loan and lease loss provision to assets | 0.2900% | 604 |
| Net operating income to assets | 1.4430% | 920 |
| Return on assets (ROA) | 1.4430% | 937 |
| Pretax return on assets | 1.4430% | 1,843 |
| Return on Equity (ROE) | 15.0168% | 609 |
| Retained earnings to average equity (ytd only) | 3.4674% | 3,201 |
| Net charge-offs to loans | 0.6423% | 347 |
| Credit loss provision to net charge-offs | 72.1519% | 3,063 |
| Earnings coverage of net charge-offs (x) | 4.3122% | 3,480 |
| Efficiency ratio | 62.8499% | 3,802 |
| Assets per employee ($millions) | 4.1657% | 3,707 |
| Cash dividends to net income (ytd only)* | 76.9095% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8951% | 4,493 |
| Loan loss allowance to noncurrent loans | 71.6684% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 0.7626% | 2,052 |
| Noncurrent loans to loans | 1.2489% | 1,413 |
| Net loans and leases to total assets | 60.5116% | 3,782 |
| Net loans and leases to deposits | 67.3393% | 4,071 |
| Net loans and leases to core deposits | 73.2707% | 3,942 |
| Total domestic deposits to total assets | 89.8608% | 618 |
| Equity capital to assets | 9.0885% | 4,629 |
| Core capital (leverage) ratio | 10.0558% | 3,381 |
| Tier 1 risk-based capital ratio | 14.1332% | 3,287 |
| Total risk-based capital ratio | 14.9762% | 3,423 |
| Memoranda: | ||
| Average total assets | $117,947,400 | 3,932 |
| Average earning assets | $112,117,200 | 3,878 |
| Average equity | $11,334,000 | 4,247 |
| Average total loans | $73,798,600 | 3,877 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4034% | 1,953 |
| Cost of funding earning assets | 0.2366% | 4,685 |
| Net interest margin | 4.1668% | 1,237 |
| Noninterest income to average assets | 0.7746% | 1,685 |
| Noninterest expense to average assets | 3.0730% | 1,885 |
| Loan and lease loss provision to assets | 0.2547% | 672 |
| Net operating income to assets | 1.4080% | 1,066 |
| Return on assets (ROA) | 1.4080% | 1,093 |
| Pretax return on assets | 1.4080% | 2,094 |
| Return on Equity (ROE) | 14.4417% | 745 |
| Retained earnings to average equity (ytd only) | 5.9439% | 2,282 |
| Net charge-offs to loans | 0.5466% | 367 |
| Credit loss provision to net charge-offs | 74.0000% | 2,657 |
| Earnings coverage of net charge-offs (x) | 4.8300% | 3,178 |
| Efficiency ratio | 64.8898% | 3,385 |
| Assets per employee ($millions) | 3.7344% | 4,405 |
| Cash dividends to net income (ytd only)* | 58.8425% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 4,015 |
| Loan loss allowance to noncurrent loans | 83.7500% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 0.8126% | 2,117 |
| Noncurrent loans to loans | 1.2018% | 1,588 |
| Net loans and leases to total assets | 66.9295% | 2,985 |
| Net loans and leases to deposits | 76.6159% | 3,313 |
| Net loans and leases to core deposits | 85.1581% | 3,036 |
| Total domestic deposits to total assets | 87.3572% | 1,696 |
| Equity capital to assets | 10.8043% | 3,058 |
| Core capital (leverage) ratio | 10.4107% | 3,075 |
| Tier 1 risk-based capital ratio | 15.3734% | 2,762 |
| Total risk-based capital ratio | 16.3533% | 2,801 |
| Memoranda: | ||
| Average total assets | $116,191,500 | 3,998 |
| Average earning assets | $110,456,500 | 3,945 |
| Average equity | $11,328,000 | 4,290 |
| Average total loans | $73,172,000 | 3,924 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2769% | 2,205 |
| Cost of funding earning assets | 0.2287% | 4,728 |
| Net interest margin | 4.0482% | 1,468 |
| Noninterest income to average assets | 0.6699% | 2,128 |
| Noninterest expense to average assets | 2.9910% | 2,139 |
| Loan and lease loss provision to assets | 0.1515% | 1,332 |
| Net operating income to assets | 1.3701% | 1,131 |
| Return on assets (ROA) | 1.3701% | 1,158 |
| Pretax return on assets | 1.3701% | 2,139 |
| Return on Equity (ROE) | 14.5310% | 730 |
| Retained earnings to average equity (ytd only) | 5.9445% | 2,153 |
| Net charge-offs to loans | 0.7135% | 272 |
| Credit loss provision to net charge-offs | 34.4828% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.4636% | 3,045 |
| Efficiency ratio | 66.2812% | 3,305 |
| Assets per employee ($millions) | 3.8819% | 4,154 |
| Cash dividends to net income (ytd only)* | 59.0909% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8703% | 4,751 |
| Loan loss allowance to noncurrent loans | 40.9669% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 1.5119% | 998 |
| Noncurrent loans to loans | 2.1243% | 780 |
| Net loans and leases to total assets | 65.1628% | 3,233 |
| Net loans and leases to deposits | 73.8637% | 3,561 |
| Net loans and leases to core deposits | 81.1714% | 3,330 |
| Total domestic deposits to total assets | 88.2203% | 1,345 |
| Equity capital to assets | 10.2243% | 3,650 |
| Core capital (leverage) ratio | 10.0672% | 3,447 |
| Tier 1 risk-based capital ratio | 14.7640% | 3,030 |
| Total risk-based capital ratio | 15.5988% | 3,166 |
| Memoranda: | ||
| Average total assets | $118,822,330 | 3,980 |
| Average earning assets | $112,790,670 | 3,928 |
| Average equity | $11,203,670 | 4,324 |
| Average total loans | $73,155,670 | 3,941 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1698% | 2,387 |
| Cost of funding earning assets | 0.2253% | 4,749 |
| Net interest margin | 3.9445% | 1,622 |
| Noninterest income to average assets | 0.6626% | 2,128 |
| Noninterest expense to average assets | 2.9128% | 2,420 |
| Loan and lease loss provision to assets | 0.0984% | 1,921 |
| Net operating income to assets | 1.3842% | 1,030 |
| Return on assets (ROA) | 1.3842% | 1,062 |
| Pretax return on assets | 1.3842% | 1,937 |
| Return on Equity (ROE) | 15.2753% | 616 |
| Retained earnings to average equity (ytd only) | 6.5879% | 2,035 |
| Net charge-offs to loans | 0.1045% | 1,325 |
| Credit loss provision to net charge-offs | 157.8947% | 1,173 |
| Earnings coverage of net charge-offs (x) | 23.7895% | 1,381 |
| Efficiency ratio | 66.2687% | 3,453 |
| Assets per employee ($millions) | 3.8956% | 4,189 |
| Cash dividends to net income (ytd only)* | 56.8720% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1095% | 3,662 |
| Loan loss allowance to noncurrent loans | 71.1456% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 1.0277% | 1,768 |
| Noncurrent loans to loans | 1.5595% | 1,260 |
| Net loans and leases to total assets | 65.1692% | 3,093 |
| Net loans and leases to deposits | 73.5340% | 3,448 |
| Net loans and leases to core deposits | 80.8245% | 3,222 |
| Total domestic deposits to total assets | 88.6246% | 1,362 |
| Equity capital to assets | 9.9432% | 3,822 |
| Core capital (leverage) ratio | 9.4635% | 4,158 |
| Tier 1 risk-based capital ratio | 14.5800% | 3,161 |
| Total risk-based capital ratio | 15.6516% | 3,183 |
| Memoranda: | ||
| Average total assets | $121,946,000 | 3,966 |
| Average earning assets | $115,401,500 | 3,926 |
| Average equity | $11,050,500 | 4,381 |
| Average total loans | $72,733,000 | 3,981 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1347% | 2,713 |
| Cost of funding earning assets | 0.2131% | 4,898 |
| Net interest margin | 3.9216% | 1,892 |
| Noninterest income to average assets | 0.7500% | 1,957 |
| Noninterest expense to average assets | 3.0035% | 2,342 |
| Loan and lease loss provision to assets | 0.1012% | 2,351 |
| Net operating income to assets | 1.3710% | 1,064 |
| Return on assets (ROA) | 1.4115% | 1,009 |
| Pretax return on assets | 1.4115% | 1,895 |
| Return on Equity (ROE) | 14.9189% | 637 |
| Retained earnings to average equity (ytd only) | 3.3084% | 3,565 |
| Net charge-offs to loans | 0.1807% | 1,533 |
| Credit loss provision to net charge-offs | 95.2381% | 2,692 |
| Earnings coverage of net charge-offs (x) | 13.8492% | 2,339 |
| Efficiency ratio | 67.1065% | 3,416 |
| Assets per employee ($millions) | 4.2232% | 3,581 |
| Cash dividends to net income (ytd only)* | 77.8243% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1476% | 3,446 |
| Loan loss allowance to noncurrent loans | 120.5621% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.5163% | 3,197 |
| Noncurrent loans to loans | 0.9519% | 2,182 |
| Net loans and leases to total assets | 53.6221% | 4,469 |
| Net loans and leases to deposits | 59.1528% | 4,725 |
| Net loans and leases to core deposits | 64.2999% | 4,617 |
| Total domestic deposits to total assets | 90.6500% | 403 |
| Equity capital to assets | 8.3013% | 5,417 |
| Core capital (leverage) ratio | 9.4668% | 4,129 |
| Tier 1 risk-based capital ratio | 14.3316% | 3,265 |
| Total risk-based capital ratio | 15.3880% | 3,309 |
| Memoranda: | ||
| Average total assets | $118,530,000 | 4,024 |
| Average earning assets | $112,606,600 | 3,959 |
| Average equity | $11,214,000 | 4,393 |
| Average total loans | $69,731,200 | 4,048 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2111% | 2,475 |
| Cost of funding earning assets | 0.2144% | 4,929 |
| Net interest margin | 3.9967% | 1,663 |
| Noninterest income to average assets | 0.7877% | 1,815 |
| Noninterest expense to average assets | 3.1221% | 1,969 |
| Loan and lease loss provision to assets | 0.1040% | 2,185 |
| Net operating income to assets | 1.3733% | 1,121 |
| Return on assets (ROA) | 1.4288% | 1,057 |
| Pretax return on assets | 1.4288% | 1,942 |
| Return on Equity (ROE) | 14.5948% | 720 |
| Retained earnings to average equity (ytd only) | 6.1234% | 2,116 |
| Net charge-offs to loans | 0.2728% | 848 |
| Credit loss provision to net charge-offs | 63.3803% | 2,873 |
| Earnings coverage of net charge-offs (x) | 9.0070% | 2,719 |
| Efficiency ratio | 67.8805% | 3,241 |
| Assets per employee ($millions) | 3.6137% | 4,628 |
| Cash dividends to net income (ytd only)* | 58.0438% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 4,195 |
| Loan loss allowance to noncurrent loans | 156.3008% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.4392% | 3,663 |
| Noncurrent loans to loans | 0.6640% | 3,041 |
| Net loans and leases to total assets | 65.4565% | 3,210 |
| Net loans and leases to deposits | 74.5246% | 3,545 |
| Net loans and leases to core deposits | 82.5030% | 3,246 |
| Total domestic deposits to total assets | 87.8321% | 1,486 |
| Equity capital to assets | 10.3665% | 3,726 |
| Core capital (leverage) ratio | 10.3380% | 3,176 |
| Tier 1 risk-based capital ratio | 14.9161% | 3,089 |
| Total risk-based capital ratio | 15.9398% | 3,135 |
| Memoranda: | ||
| Average total assets | $115,432,500 | 4,102 |
| Average earning assets | $110,087,750 | 4,025 |
| Average equity | $11,300,500 | 4,414 |
| Average total loans | $69,409,750 | 4,089 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1225% | 2,771 |
| Cost of funding earning assets | 0.2108% | 5,033 |
| Net interest margin | 3.9117% | 1,939 |
| Noninterest income to average assets | 0.7189% | 2,057 |
| Noninterest expense to average assets | 3.0969% | 2,073 |
| Loan and lease loss provision to assets | 0.1029% | 2,125 |
| Net operating income to assets | 1.2439% | 1,448 |
| Return on assets (ROA) | 1.3263% | 1,295 |
| Pretax return on assets | 1.3263% | 2,301 |
| Return on Equity (ROE) | 13.8081% | 868 |
| Retained earnings to average equity (ytd only) | 5.2696% | 2,572 |
| Net charge-offs to loans | 0.2152% | 1,090 |
| Credit loss provision to net charge-offs | 82.1918% | 2,345 |
| Earnings coverage of net charge-offs (x) | 10.7534% | 2,308 |
| Efficiency ratio | 69.6911% | 3,031 |
| Assets per employee ($millions) | 3.4413% | 4,850 |
| Cash dividends to net income (ytd only)* | 61.8370% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 3,642 |
| Loan loss allowance to noncurrent loans | 169.3920% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.9158% | 2,325 |
| Noncurrent loans to loans | 0.6792% | 3,034 |
| Net loans and leases to total assets | 65.0763% | 3,220 |
| Net loans and leases to deposits | 74.3115% | 3,554 |
| Net loans and leases to core deposits | 83.0172% | 3,164 |
| Total domestic deposits to total assets | 87.5723% | 1,641 |
| Equity capital to assets | 10.7320% | 3,362 |
| Core capital (leverage) ratio | 10.0680% | 3,489 |
| Tier 1 risk-based capital ratio | 15.2068% | 2,983 |
| Total risk-based capital ratio | 16.3258% | 2,980 |
| Memoranda: | ||
| Average total assets | $116,568,670 | 4,115 |
| Average earning assets | $111,000,670 | 4,039 |
| Average equity | $11,196,330 | 4,454 |
| Average total loans | $67,847,670 | 4,156 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9138% | 3,538 |
| Cost of funding earning assets | 0.2069% | 5,139 |
| Net interest margin | 3.7069% | 2,642 |
| Noninterest income to average assets | 0.7110% | 1,985 |
| Noninterest expense to average assets | 2.9495% | 2,541 |
| Loan and lease loss provision to assets | 0.0988% | 2,048 |
| Net operating income to assets | 1.2015% | 1,554 |
| Return on assets (ROA) | 1.2015% | 1,658 |
| Pretax return on assets | 1.2015% | 2,696 |
| Return on Equity (ROE) | 13.1888% | 996 |
| Retained earnings to average equity (ytd only) | 4.5528% | 3,204 |
| Net charge-offs to loans | 0.2100% | 953 |
| Credit loss provision to net charge-offs | 85.7143% | 1,799 |
| Earnings coverage of net charge-offs (x) | 11.2857% | 1,872 |
| Efficiency ratio | 69.4036% | 3,228 |
| Assets per employee ($millions) | 3.6546% | 4,552 |
| Cash dividends to net income (ytd only)* | 65.4795% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2290% | 3,312 |
| Loan loss allowance to noncurrent loans | 118.0897% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 1.1884% | 1,846 |
| Noncurrent loans to loans | 1.0408% | 2,306 |
| Net loans and leases to total assets | 59.8117% | 3,804 |
| Net loans and leases to deposits | 67.7280% | 4,087 |
| Net loans and leases to core deposits | 75.2660% | 3,751 |
| Total domestic deposits to total assets | 88.3116% | 1,462 |
| Equity capital to assets | 10.2245% | 3,822 |
| Core capital (leverage) ratio | 9.2379% | 4,560 |
| Tier 1 risk-based capital ratio | 15.5806% | 2,871 |
| Total risk-based capital ratio | 16.7565% | 2,847 |
| Memoranda: | ||
| Average total assets | $121,512,500 | 4,044 |
| Average earning assets | $115,998,500 | 3,974 |
| Average equity | $11,070,000 | 4,492 |
| Average total loans | $66,655,500 | 4,201 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8237% | 3,971 |
| Cost of funding earning assets | 0.2044% | 5,249 |
| Net interest margin | 3.6193% | 3,061 |
| Noninterest income to average assets | 0.8063% | 1,766 |
| Noninterest expense to average assets | 2.7950% | 3,251 |
| Loan and lease loss provision to assets | 0.0166% | 4,079 |
| Net operating income to assets | 1.4420% | 961 |
| Return on assets (ROA) | 1.4520% | 972 |
| Pretax return on assets | 1.4520% | 1,714 |
| Return on Equity (ROE) | 16.1446% | 544 |
| Retained earnings to average equity (ytd only) | 4.1634% | 3,029 |
| Net charge-offs to loans | 0.0327% | 3,565 |
| Credit loss provision to net charge-offs | 95.2381% | 2,650 |
| Earnings coverage of net charge-offs (x) | 83.4762% | 675 |
| Efficiency ratio | 65.7081% | 3,948 |
| Assets per employee ($millions) | 4.4462% | 3,131 |
| Cash dividends to net income (ytd only)* | 74.2120% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 3,321 |
| Loan loss allowance to noncurrent loans | 67.8246% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 0.9064% | 2,392 |
| Noncurrent loans to loans | 1.8067% | 1,212 |
| Net loans and leases to total assets | 49.5539% | 4,909 |
| Net loans and leases to deposits | 54.5917% | 5,127 |
| Net loans and leases to core deposits | 59.3393% | 5,027 |
| Total domestic deposits to total assets | 90.7719% | 346 |
| Equity capital to assets | 8.1943% | 5,764 |
| Core capital (leverage) ratio | 9.1132% | 4,734 |
| Tier 1 risk-based capital ratio | 14.5214% | 3,435 |
| Total risk-based capital ratio | 15.6357% | 3,418 |
| Memoranda: | ||
| Average total assets | $120,179,800 | 4,062 |
| Average earning assets | $114,471,200 | 3,991 |
| Average equity | $10,808,600 | 4,522 |
| Average total loans | $64,173,000 | 4,254 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9058% | 3,732 |
| Cost of funding earning assets | 0.2111% | 5,279 |
| Net interest margin | 3.6947% | 2,795 |
| Noninterest income to average assets | 0.8328% | 1,681 |
| Noninterest expense to average assets | 2.8907% | 2,879 |
| Loan and lease loss provision to assets | 0.0057% | 4,151 |
| Net operating income to assets | 1.4499% | 1,009 |
| Return on assets (ROA) | 1.4499% | 1,051 |
| Pretax return on assets | 1.4499% | 1,829 |
| Return on Equity (ROE) | 15.7226% | 634 |
| Retained earnings to average equity (ytd only) | 6.8778% | 1,746 |
| Net charge-offs to loans | 0.0861% | 2,319 |
| Credit loss provision to net charge-offs | 12.1951% | 3,430 |
| Earnings coverage of net charge-offs (x) | 31.1193% | 1,461 |
| Efficiency ratio | 66.5092% | 3,802 |
| Assets per employee ($millions) | 3.7024% | 4,439 |
| Cash dividends to net income (ytd only)* | 56.2551% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 3,610 |
| Loan loss allowance to noncurrent loans | 85.0488% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 0.8310% | 2,796 |
| Noncurrent loans to loans | 1.4197% | 1,784 |
| Net loans and leases to total assets | 57.8279% | 4,164 |
| Net loans and leases to deposits | 65.5830% | 4,422 |
| Net loans and leases to core deposits | 72.7613% | 4,122 |
| Total domestic deposits to total assets | 88.1751% | 1,466 |
| Equity capital to assets | 10.0287% | 4,123 |
| Core capital (leverage) ratio | 9.6235% | 4,141 |
| Tier 1 risk-based capital ratio | 15.8625% | 2,862 |
| Total risk-based capital ratio | 17.0162% | 2,845 |
| Memoranda: | ||
| Average total assets | $116,878,250 | 4,162 |
| Average earning assets | $111,147,000 | 4,101 |
| Average equity | $10,778,250 | 4,573 |
| Average total loans | $63,486,750 | 4,321 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8444% | 3,902 |
| Cost of funding earning assets | 0.2094% | 5,361 |
| Net interest margin | 3.6349% | 2,961 |
| Noninterest income to average assets | 0.7743% | 1,902 |
| Noninterest expense to average assets | 2.8532% | 3,053 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3685% | 1,149 |
| Return on assets (ROA) | 1.3685% | 1,196 |
| Pretax return on assets | 1.3685% | 2,116 |
| Return on Equity (ROE) | 15.2561% | 703 |
| Retained earnings to average equity (ytd only) | 6.3427% | 2,036 |
| Net charge-offs to loans | 0.1080% | 1,914 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 23.9118% | 1,589 |
| Efficiency ratio | 67.5837% | 3,734 |
| Assets per employee ($millions) | 3.7064% | 4,413 |
| Cash dividends to net income (ytd only)* | 58.4256% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 3,574 |
| Loan loss allowance to noncurrent loans | 186.9359% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.3786% | 4,380 |
| Noncurrent loans to loans | 0.6621% | 3,492 |
| Net loans and leases to total assets | 56.4793% | 4,286 |
| Net loans and leases to deposits | 63.6714% | 4,563 |
| Net loans and leases to core deposits | 70.2763% | 4,304 |
| Total domestic deposits to total assets | 88.7043% | 1,295 |
| Equity capital to assets | 9.6778% | 4,433 |
| Core capital (leverage) ratio | 9.2457% | 4,628 |
| Tier 1 risk-based capital ratio | 15.8196% | 2,943 |
| Total risk-based capital ratio | 16.9971% | 2,930 |
| Memoranda: | ||
| Average total assets | $118,814,000 | 4,176 |
| Average earning assets | $112,684,330 | 4,103 |
| Average equity | $10,658,000 | 4,627 |
| Average total loans | $62,977,330 | 4,372 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7268% | 4,269 |
| Cost of funding earning assets | 0.2040% | 5,476 |
| Net interest margin | 3.5228% | 3,331 |
| Noninterest income to average assets | 0.7600% | 1,867 |
| Noninterest expense to average assets | 2.7727% | 3,333 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3113% | 1,234 |
| Return on assets (ROA) | 1.3113% | 1,323 |
| Pretax return on assets | 1.3113% | 2,235 |
| Return on Equity (ROE) | 15.1605% | 687 |
| Retained earnings to average equity (ytd only) | 6.1849% | 2,382 |
| Net charge-offs to loans | 0.1659% | 1,282 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 15.4615% | 1,624 |
| Efficiency ratio | 67.8914% | 3,845 |
| Assets per employee ($millions) | 3.8379% | 4,274 |
| Cash dividends to net income (ytd only)* | 59.2040% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 3,679 |
| Loan loss allowance to noncurrent loans | 190.4077% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.4317% | 4,307 |
| Noncurrent loans to loans | 0.6570% | 3,629 |
| Net loans and leases to total assets | 54.4338% | 4,381 |
| Net loans and leases to deposits | 61.0168% | 4,662 |
| Net loans and leases to core deposits | 67.2930% | 4,402 |
| Total domestic deposits to total assets | 89.2112% | 1,135 |
| Equity capital to assets | 9.3844% | 4,874 |
| Core capital (leverage) ratio | 8.5956% | 5,425 |
| Tier 1 risk-based capital ratio | 15.5469% | 3,124 |
| Total risk-based capital ratio | 16.7337% | 3,091 |
| Memoranda: | ||
| Average total assets | $122,624,500 | 4,136 |
| Average earning assets | $115,702,500 | 4,068 |
| Average equity | $10,606,500 | 4,677 |
| Average total loans | $62,672,000 | 4,407 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8540% | 4,301 |
| Cost of funding earning assets | 0.2117% | 5,652 |
| Net interest margin | 3.6423% | 3,249 |
| Noninterest income to average assets | 0.8790% | 1,572 |
| Noninterest expense to average assets | 2.8114% | 3,434 |
| Loan and lease loss provision to assets | 0.0513% | 3,539 |
| Net operating income to assets | 1.4856% | 900 |
| Return on assets (ROA) | 1.4950% | 925 |
| Pretax return on assets | 1.4950% | 1,561 |
| Return on Equity (ROE) | 17.2983% | 459 |
| Retained earnings to average equity (ytd only) | 4.5766% | 2,921 |
| Net charge-offs to loans | -0.0392% | 5,856 |
| Credit loss provision to net charge-offs | -240.0000% | 5,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6562% | 4,467 |
| Assets per employee ($millions) | 4.3370% | 3,291 |
| Cash dividends to net income (ytd only)* | 73.5429% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3268% | 3,284 |
| Loan loss allowance to noncurrent loans | 157.2797% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.4012% | 4,492 |
| Noncurrent loans to loans | 0.8436% | 3,206 |
| Net loans and leases to total assets | 46.9253% | 5,255 |
| Net loans and leases to deposits | 51.6090% | 5,504 |
| Net loans and leases to core deposits | 56.1585% | 5,373 |
| Total domestic deposits to total assets | 90.9247% | 397 |
| Equity capital to assets | 7.9993% | 6,070 |
| Core capital (leverage) ratio | 8.7730% | 5,264 |
| Tier 1 risk-based capital ratio | 14.2460% | 3,934 |
| Total risk-based capital ratio | 15.3885% | 3,934 |
| Memoranda: | ||
| Average total assets | $117,059,600 | 4,240 |
| Average earning assets | $111,494,200 | 4,146 |
| Average equity | $10,116,600 | 4,730 |
| Average total loans | $63,751,200 | 4,372 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9444% | 3,994 |
| Cost of funding earning assets | 0.2165% | 5,702 |
| Net interest margin | 3.7279% | 2,913 |
| Noninterest income to average assets | 0.9022% | 1,512 |
| Noninterest expense to average assets | 2.9010% | 3,112 |
| Loan and lease loss provision to assets | 0.0527% | 3,322 |
| Net operating income to assets | 1.5196% | 899 |
| Return on assets (ROA) | 1.5278% | 922 |
| Pretax return on assets | 1.5278% | 1,556 |
| Return on Equity (ROE) | 17.3105% | 517 |
| Retained earnings to average equity (ytd only) | 7.8985% | 1,410 |
| Net charge-offs to loans | 0.0270% | 3,958 |
| Credit loss provision to net charge-offs | 346.1538% | 811 |
| Earnings coverage of net charge-offs (x) | 103.2481% | 575 |
| Efficiency ratio | 64.8507% | 4,401 |
| Assets per employee ($millions) | 3.6864% | 4,513 |
| Cash dividends to net income (ytd only)* | 54.3713% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 4,086 |
| Loan loss allowance to noncurrent loans | 102.9491% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 0.6745% | 3,815 |
| Noncurrent loans to loans | 1.1928% | 2,666 |
| Net loans and leases to total assets | 55.8571% | 4,348 |
| Net loans and leases to deposits | 62.9839% | 4,643 |
| Net loans and leases to core deposits | 69.1093% | 4,403 |
| Total domestic deposits to total assets | 88.6846% | 1,406 |
| Equity capital to assets | 9.5024% | 4,793 |
| Core capital (leverage) ratio | 9.2063% | 4,781 |
| Tier 1 risk-based capital ratio | 15.2480% | 3,441 |
| Total risk-based capital ratio | 16.3774% | 3,455 |
| Memoranda: | ||
| Average total assets | $113,796,750 | 4,336 |
| Average earning assets | $109,013,250 | 4,244 |
| Average equity | $10,043,750 | 4,775 |
| Average total loans | $64,220,000 | 4,395 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8899% | 4,175 |
| Cost of funding earning assets | 0.2127% | 5,807 |
| Net interest margin | 3.6772% | 3,041 |
| Noninterest income to average assets | 0.8619% | 1,619 |
| Noninterest expense to average assets | 2.9025% | 3,154 |
| Loan and lease loss provision to assets | 0.0522% | 3,257 |
| Net operating income to assets | 1.4295% | 1,001 |
| Return on assets (ROA) | 1.4417% | 1,020 |
| Pretax return on assets | 1.4417% | 1,747 |
| Return on Equity (ROE) | 16.7464% | 578 |
| Retained earnings to average equity (ytd only) | 7.2002% | 1,670 |
| Net charge-offs to loans | 0.0278% | 3,638 |
| Credit loss provision to net charge-offs | 333.3333% | 785 |
| Earnings coverage of net charge-offs (x) | 94.5556% | 577 |
| Efficiency ratio | 66.2033% | 4,335 |
| Assets per employee ($millions) | 3.7194% | 4,417 |
| Cash dividends to net income (ytd only)* | 57.0048% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1775% | 4,527 |
| Loan loss allowance to noncurrent loans | 81.7495% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 0.8299% | 3,483 |
| Noncurrent loans to loans | 1.4404% | 2,397 |
| Net loans and leases to total assets | 56.9361% | 4,125 |
| Net loans and leases to deposits | 63.8105% | 4,522 |
| Net loans and leases to core deposits | 70.0769% | 4,260 |
| Total domestic deposits to total assets | 89.2269% | 1,233 |
| Equity capital to assets | 9.1716% | 5,135 |
| Core capital (leverage) ratio | 9.0474% | 4,949 |
| Tier 1 risk-based capital ratio | 14.9581% | 3,665 |
| Total risk-based capital ratio | 16.0760% | 3,678 |
| Memoranda: | ||
| Average total assets | $114,864,670 | 4,353 |
| Average earning assets | $110,029,330 | 4,244 |
| Average equity | $9,888,670 | 4,828 |
| Average total loans | $64,779,330 | 4,400 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7929% | 4,512 |
| Cost of funding earning assets | 0.2111% | 5,908 |
| Net interest margin | 3.5818% | 3,330 |
| Noninterest income to average assets | 0.8412% | 1,599 |
| Noninterest expense to average assets | 2.8531% | 3,366 |
| Loan and lease loss provision to assets | 0.0515% | 3,069 |
| Net operating income to assets | 1.3733% | 1,053 |
| Return on assets (ROA) | 1.3733% | 1,093 |
| Pretax return on assets | 1.3733% | 1,841 |
| Return on Equity (ROE) | 16.4677% | 598 |
| Retained earnings to average equity (ytd only) | 6.7517% | 2,165 |
| Net charge-offs to loans | 0.0308% | 2,971 |
| Credit loss provision to net charge-offs | 300.0000% | 788 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 524 |
| Efficiency ratio | 66.6934% | 4,414 |
| Assets per employee ($millions) | 3.6870% | 4,545 |
| Cash dividends to net income (ytd only)* | 59.0000% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1519% | 4,863 |
| Loan loss allowance to noncurrent loans | 82.5221% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 0.8173% | 3,692 |
| Noncurrent loans to loans | 1.3958% | 2,691 |
| Net loans and leases to total assets | 57.8787% | 3,858 |
| Net loans and leases to deposits | 64.5769% | 4,260 |
| Net loans and leases to core deposits | 71.9226% | 3,877 |
| Total domestic deposits to total assets | 89.6274% | 1,294 |
| Equity capital to assets | 8.9161% | 5,209 |
| Core capital (leverage) ratio | 8.7612% | 5,311 |
| Tier 1 risk-based capital ratio | 14.1545% | 4,223 |
| Total risk-based capital ratio | 15.2171% | 4,294 |
| Memoranda: | ||
| Average total assets | $116,505,500 | 4,352 |
| Average earning assets | $111,788,000 | 4,224 |
| Average equity | $9,716,000 | 4,887 |
| Average total loans | $65,025,000 | 4,431 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8664% | 4,590 |
| Cost of funding earning assets | 0.2470% | 5,983 |
| Net interest margin | 3.6194% | 3,378 |
| Noninterest income to average assets | 0.8773% | 1,764 |
| Noninterest expense to average assets | 2.8140% | 3,677 |
| Loan and lease loss provision to assets | 0.0518% | 4,100 |
| Net operating income to assets | 1.4631% | 891 |
| Return on assets (ROA) | 1.4682% | 928 |
| Pretax return on assets | 1.4682% | 1,558 |
| Return on Equity (ROE) | 17.7803% | 429 |
| Retained earnings to average equity (ytd only) | 4.4294% | 3,022 |
| Net charge-offs to loans | -0.0240% | 6,172 |
| Credit loss provision to net charge-offs | -400.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0060% | 4,728 |
| Assets per employee ($millions) | 3.9485% | 3,970 |
| Cash dividends to net income (ytd only)* | 75.0881% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 5,013 |
| Loan loss allowance to noncurrent loans | 135.5433% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.4436% | 4,916 |
| Noncurrent loans to loans | 0.8317% | 3,903 |
| Net loans and leases to total assets | 52.7352% | 4,755 |
| Net loans and leases to deposits | 57.9346% | 5,131 |
| Net loans and leases to core deposits | 63.6603% | 4,905 |
| Total domestic deposits to total assets | 91.0255% | 556 |
| Equity capital to assets | 7.8185% | 6,132 |
| Core capital (leverage) ratio | 8.7072% | 5,407 |
| Tier 1 risk-based capital ratio | 13.4915% | 4,659 |
| Total risk-based capital ratio | 14.5076% | 4,759 |
| Memoranda: | ||
| Average total assets | $115,921,800 | 4,366 |
| Average earning assets | $110,542,200 | 4,246 |
| Average equity | $9,572,400 | 4,954 |
| Average total loans | $62,399,200 | 4,531 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8751% | 4,596 |
| Cost of funding earning assets | 0.2547% | 6,048 |
| Net interest margin | 3.6203% | 3,359 |
| Noninterest income to average assets | 0.8865% | 1,803 |
| Noninterest expense to average assets | 2.8812% | 3,370 |
| Loan and lease loss provision to assets | 0.0525% | 3,979 |
| Net operating income to assets | 1.4009% | 1,099 |
| Return on assets (ROA) | 1.4079% | 1,137 |
| Pretax return on assets | 1.4079% | 1,907 |
| Return on Equity (ROE) | 16.8107% | 557 |
| Retained earnings to average equity (ytd only) | 6.9777% | 1,889 |
| Net charge-offs to loans | -0.0303% | 6,169 |
| Credit loss provision to net charge-offs | -321.4286% | 5,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4693% | 4,404 |
| Assets per employee ($millions) | 3.4625% | 4,917 |
| Cash dividends to net income (ytd only)* | 58.4923% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0916% | 5,362 |
| Loan loss allowance to noncurrent loans | 161.4350% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.4155% | 5,178 |
| Noncurrent loans to loans | 0.6762% | 4,510 |
| Net loans and leases to total assets | 60.7805% | 3,563 |
| Net loans and leases to deposits | 68.1529% | 4,045 |
| Net loans and leases to core deposits | 77.3206% | 3,453 |
| Total domestic deposits to total assets | 89.1827% | 1,459 |
| Equity capital to assets | 8.9289% | 5,266 |
| Core capital (leverage) ratio | 9.0335% | 5,076 |
| Tier 1 risk-based capital ratio | 14.4147% | 4,134 |
| Total risk-based capital ratio | 15.4682% | 4,221 |
| Memoranda: | ||
| Average total assets | $114,301,750 | 4,442 |
| Average earning assets | $108,864,500 | 4,333 |
| Average equity | $9,573,000 | 5,014 |
| Average total loans | $61,677,750 | 4,592 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6845% | 5,191 |
| Cost of funding earning assets | 0.2593% | 6,107 |
| Net interest margin | 3.4252% | 4,087 |
| Noninterest income to average assets | 0.7889% | 2,243 |
| Noninterest expense to average assets | 2.8331% | 3,564 |
| Loan and lease loss provision to assets | 0.0514% | 3,962 |
| Net operating income to assets | 1.1661% | 1,683 |
| Return on assets (ROA) | 1.1764% | 1,763 |
| Pretax return on assets | 1.1764% | 2,780 |
| Return on Equity (ROE) | 14.3375% | 939 |
| Retained earnings to average equity (ytd only) | 4.5144% | 3,394 |
| Net charge-offs to loans | -0.0498% | 6,267 |
| Credit loss provision to net charge-offs | -200.0000% | 5,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9407% | 3,836 |
| Assets per employee ($millions) | 3.5513% | 4,753 |
| Cash dividends to net income (ytd only)* | 68.5131% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 5,348 |
| Loan loss allowance to noncurrent loans | 221.6301% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.2898% | 5,610 |
| Noncurrent loans to loans | 0.5079% | 4,999 |
| Net loans and leases to total assets | 56.4134% | 4,220 |
| Net loans and leases to deposits | 62.6703% | 4,665 |
| Net loans and leases to core deposits | 69.4112% | 4,336 |
| Total domestic deposits to total assets | 90.0163% | 1,013 |
| Equity capital to assets | 8.3178% | 5,954 |
| Core capital (leverage) ratio | 8.5382% | 5,624 |
| Tier 1 risk-based capital ratio | 14.4421% | 4,135 |
| Total risk-based capital ratio | 15.5096% | 4,202 |
| Memoranda: | ||
| Average total assets | $116,623,330 | 4,429 |
| Average earning assets | $111,059,000 | 4,311 |
| Average equity | $9,569,330 | 5,045 |
| Average total loans | $60,250,330 | 4,666 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5275% | 5,641 |
| Cost of funding earning assets | 0.2638% | 6,199 |
| Net interest margin | 3.2638% | 4,664 |
| Noninterest income to average assets | 0.7607% | 2,292 |
| Noninterest expense to average assets | 2.7258% | 3,960 |
| Loan and lease loss provision to assets | 0.0500% | 3,785 |
| Net operating income to assets | 1.0810% | 1,931 |
| Return on assets (ROA) | 1.0810% | 2,037 |
| Pretax return on assets | 1.0810% | 3,027 |
| Return on Equity (ROE) | 13.2576% | 1,107 |
| Retained earnings to average equity (ytd only) | 3.6418% | 4,057 |
| Net charge-offs to loans | -0.1017% | 6,453 |
| Credit loss provision to net charge-offs | -100.0000% | 5,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6747% | 3,853 |
| Assets per employee ($millions) | 3.5968% | 4,789 |
| Cash dividends to net income (ytd only)* | 72.5309% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 5,254 |
| Loan loss allowance to noncurrent loans | 158.8506% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.3901% | 5,420 |
| Noncurrent loans to loans | 0.7445% | 4,639 |
| Net loans and leases to total assets | 51.7811% | 4,737 |
| Net loans and leases to deposits | 57.7416% | 5,069 |
| Net loans and leases to core deposits | 63.8832% | 4,752 |
| Total domestic deposits to total assets | 89.6773% | 1,249 |
| Equity capital to assets | 8.7909% | 5,718 |
| Core capital (leverage) ratio | 8.0789% | 6,071 |
| Tier 1 risk-based capital ratio | 15.1017% | 3,767 |
| Total risk-based capital ratio | 16.2229% | 3,814 |
| Memoranda: | ||
| Average total assets | $119,890,500 | 4,399 |
| Average earning assets | $113,734,000 | 4,290 |
| Average equity | $9,775,500 | 5,043 |
| Average total loans | $58,969,500 | 4,739 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9137% | 5,535 |
| Cost of funding earning assets | 0.3129% | 6,391 |
| Net interest margin | 3.6008% | 4,081 |
| Noninterest income to average assets | 0.8521% | 2,031 |
| Noninterest expense to average assets | 2.8664% | 3,780 |
| Loan and lease loss provision to assets | 0.0498% | 5,195 |
| Net operating income to assets | 1.3408% | 1,213 |
| Return on assets (ROA) | 1.3399% | 1,339 |
| Pretax return on assets | 1.3399% | 2,254 |
| Return on Equity (ROE) | 15.7021% | 706 |
| Retained earnings to average equity (ytd only) | 2.8218% | 4,249 |
| Net charge-offs to loans | 0.1770% | 3,957 |
| Credit loss provision to net charge-offs | 53.3333% | 4,610 |
| Earnings coverage of net charge-offs (x) | 14.9048% | 1,693 |
| Efficiency ratio | 67.3346% | 4,262 |
| Assets per employee ($millions) | 4.1380% | 3,672 |
| Cash dividends to net income (ytd only)* | 82.0292% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 5,508 |
| Loan loss allowance to noncurrent loans | 136.2887% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.3781% | 5,560 |
| Noncurrent loans to loans | 0.8150% | 4,556 |
| Net loans and leases to total assets | 45.8766% | 5,630 |
| Net loans and leases to deposits | 50.2888% | 5,934 |
| Net loans and leases to core deposits | 54.7360% | 5,819 |
| Total domestic deposits to total assets | 91.2262% | 421 |
| Equity capital to assets | 7.5998% | 6,593 |
| Core capital (leverage) ratio | 8.4608% | 5,678 |
| Tier 1 risk-based capital ratio | 14.0557% | 4,341 |
| Total risk-based capital ratio | 15.0636% | 4,475 |
| Memoranda: | ||
| Average total assets | $112,544,000 | 4,536 |
| Average earning assets | $106,420,000 | 4,434 |
| Average equity | $9,603,800 | 5,075 |
| Average total loans | $59,324,400 | 4,742 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0597% | 5,332 |
| Cost of funding earning assets | 0.3300% | 6,467 |
| Net interest margin | 3.7297% | 3,657 |
| Noninterest income to average assets | 0.8851% | 1,888 |
| Noninterest expense to average assets | 3.0015% | 3,225 |
| Loan and lease loss provision to assets | 0.0503% | 5,130 |
| Net operating income to assets | 1.3712% | 1,285 |
| Return on assets (ROA) | 1.3700% | 1,421 |
| Pretax return on assets | 1.3700% | 2,344 |
| Return on Equity (ROE) | 15.5522% | 812 |
| Retained earnings to average equity (ytd only) | 5.7972% | 2,836 |
| Net charge-offs to loans | 0.1619% | 3,823 |
| Credit loss provision to net charge-offs | 56.9444% | 4,240 |
| Earnings coverage of net charge-offs (x) | 16.0829% | 1,714 |
| Efficiency ratio | 67.8601% | 4,098 |
| Assets per employee ($millions) | 3.3689% | 5,284 |
| Cash dividends to net income (ytd only)* | 62.7241% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 5,578 |
| Loan loss allowance to noncurrent loans | 151.5625% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.4290% | 5,604 |
| Noncurrent loans to loans | 0.7484% | 4,922 |
| Net loans and leases to total assets | 56.6663% | 4,351 |
| Net loans and leases to deposits | 64.0310% | 4,708 |
| Net loans and leases to core deposits | 70.7117% | 4,408 |
| Total domestic deposits to total assets | 88.4982% | 1,727 |
| Equity capital to assets | 9.5130% | 5,191 |
| Core capital (leverage) ratio | 8.9399% | 5,140 |
| Tier 1 risk-based capital ratio | 15.2763% | 3,658 |
| Total risk-based capital ratio | 16.3841% | 3,704 |
| Memoranda: | ||
| Average total assets | $108,610,250 | 4,672 |
| Average earning assets | $103,025,750 | 4,573 |
| Average equity | $9,567,500 | 5,136 |
| Average total loans | $59,277,750 | 4,789 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0342% | 5,535 |
| Cost of funding earning assets | 0.3405% | 6,555 |
| Net interest margin | 3.6937% | 3,855 |
| Noninterest income to average assets | 0.8127% | 2,125 |
| Noninterest expense to average assets | 2.9781% | 3,341 |
| Loan and lease loss provision to assets | 0.0473% | 5,085 |
| Net operating income to assets | 1.2782% | 1,494 |
| Return on assets (ROA) | 1.2763% | 1,663 |
| Pretax return on assets | 1.2763% | 2,638 |
| Return on Equity (ROE) | 14.8650% | 958 |
| Retained earnings to average equity (ytd only) | 4.9974% | 3,280 |
| Net charge-offs to loans | 0.0880% | 4,273 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 28.0385% | 1,116 |
| Efficiency ratio | 69.2015% | 3,895 |
| Assets per employee ($millions) | 3.3619% | 5,297 |
| Cash dividends to net income (ytd only)* | 66.3818% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1639% | 5,510 |
| Loan loss allowance to noncurrent loans | 142.2846% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 5,564 |
| Noncurrent loans to loans | 0.8180% | 4,880 |
| Net loans and leases to total assets | 57.8488% | 4,186 |
| Net loans and leases to deposits | 65.0476% | 4,637 |
| Net loans and leases to core deposits | 71.3440% | 4,378 |
| Total domestic deposits to total assets | 88.9330% | 1,551 |
| Equity capital to assets | 9.2612% | 5,377 |
| Core capital (leverage) ratio | 8.8556% | 5,117 |
| Tier 1 risk-based capital ratio | 14.7619% | 3,926 |
| Total risk-based capital ratio | 15.9035% | 3,960 |
| Memoranda: | ||
| Average total assets | $110,001,670 | 4,669 |
| Average earning assets | $103,961,000 | 4,575 |
| Average equity | $9,445,000 | 5,170 |
| Average total loans | $59,084,000 | 4,825 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9614% | 5,881 |
| Cost of funding earning assets | 0.3546% | 6,618 |
| Net interest margin | 3.6068% | 4,237 |
| Noninterest income to average assets | 0.7618% | 2,338 |
| Noninterest expense to average assets | 2.9019% | 3,616 |
| Loan and lease loss provision to assets | 0.0390% | 4,902 |
| Net operating income to assets | 1.2082% | 1,708 |
| Return on assets (ROA) | 1.2047% | 1,903 |
| Pretax return on assets | 1.2047% | 2,896 |
| Return on Equity (ROE) | 14.5587% | 1,068 |
| Retained earnings to average equity (ytd only) | 4.5817% | 3,830 |
| Net charge-offs to loans | 0.0963% | 3,563 |
| Credit loss provision to net charge-offs | 78.5714% | 2,747 |
| Earnings coverage of net charge-offs (x) | 25.1429% | 1,038 |
| Efficiency ratio | 69.9402% | 3,823 |
| Assets per employee ($millions) | 3.3693% | 5,408 |
| Cash dividends to net income (ytd only)* | 68.5294% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 5,478 |
| Loan loss allowance to noncurrent loans | 241.2969% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.2805% | 6,189 |
| Noncurrent loans to loans | 0.4978% | 5,679 |
| Net loans and leases to total assets | 55.6750% | 4,442 |
| Net loans and leases to deposits | 62.3246% | 4,867 |
| Net loans and leases to core deposits | 70.0331% | 4,414 |
| Total domestic deposits to total assets | 89.3307% | 1,464 |
| Equity capital to assets | 9.0073% | 5,481 |
| Core capital (leverage) ratio | 8.3568% | 5,800 |
| Tier 1 risk-based capital ratio | 15.1914% | 3,623 |
| Total risk-based capital ratio | 16.3778% | 3,634 |
| Memoranda: | ||
| Average total assets | $112,892,500 | 4,623 |
| Average earning assets | $106,022,500 | 4,544 |
| Average equity | $9,341,500 | 5,205 |
| Average total loans | $58,126,000 | 4,900 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3589% | 5,576 |
| Cost of funding earning assets | 0.4760% | 6,630 |
| Net interest margin | 3.8829% | 3,413 |
| Noninterest income to average assets | 0.8262% | 1,942 |
| Noninterest expense to average assets | 3.0106% | 3,554 |
| Loan and lease loss provision to assets | 0.0019% | 6,486 |
| Net operating income to assets | 1.5039% | 817 |
| Return on assets (ROA) | 1.5030% | 891 |
| Pretax return on assets | 1.5030% | 1,459 |
| Return on Equity (ROE) | 17.6155% | 415 |
| Retained earnings to average equity (ytd only) | 3.8603% | 3,465 |
| Net charge-offs to loans | 0.1363% | 5,048 |
| Credit loss provision to net charge-offs | 2.5641% | 6,057 |
| Earnings coverage of net charge-offs (x) | 20.3974% | 1,130 |
| Efficiency ratio | 66.6597% | 4,630 |
| Assets per employee ($millions) | 3.9141% | 4,043 |
| Cash dividends to net income (ytd only)* | 78.0856% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 5,238 |
| Loan loss allowance to noncurrent loans | 104.4118% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.5604% | 5,571 |
| Noncurrent loans to loans | 1.1848% | 4,391 |
| Net loans and leases to total assets | 46.7157% | 5,943 |
| Net loans and leases to deposits | 51.3256% | 6,266 |
| Net loans and leases to core deposits | 56.0740% | 6,150 |
| Total domestic deposits to total assets | 91.0183% | 499 |
| Equity capital to assets | 7.6441% | 6,752 |
| Core capital (leverage) ratio | 8.6040% | 5,392 |
| Tier 1 risk-based capital ratio | 14.2056% | 4,173 |
| Total risk-based capital ratio | 15.3331% | 4,217 |
| Memoranda: | ||
| Average total assets | $105,658,800 | 4,741 |
| Average earning assets | $100,415,200 | 4,634 |
| Average equity | $9,014,800 | 5,271 |
| Average total loans | $57,227,800 | 4,975 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5167% | 5,210 |
| Cost of funding earning assets | 0.5111% | 6,658 |
| Net interest margin | 4.0056% | 2,893 |
| Noninterest income to average assets | 0.8741% | 1,743 |
| Noninterest expense to average assets | 3.1649% | 2,942 |
| Loan and lease loss provision to assets | -0.0092% | 7,300 |
| Net operating income to assets | 1.5595% | 832 |
| Return on assets (ROA) | 1.5582% | 909 |
| Pretax return on assets | 1.5582% | 1,493 |
| Return on Equity (ROE) | 17.7132% | 487 |
| Retained earnings to average equity (ytd only) | 7.1806% | 1,872 |
| Net charge-offs to loans | 0.1819% | 4,344 |
| Credit loss provision to net charge-offs | -8.9744% | 6,408 |
| Earnings coverage of net charge-offs (x) | 15.1663% | 1,486 |
| Efficiency ratio | 67.1206% | 4,499 |
| Assets per employee ($millions) | 3.2155% | 5,639 |
| Cash dividends to net income (ytd only)* | 59.4617% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 5,337 |
| Loan loss allowance to noncurrent loans | 181.1370% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.3882% | 6,103 |
| Noncurrent loans to loans | 0.6801% | 5,525 |
| Net loans and leases to total assets | 56.3793% | 4,782 |
| Net loans and leases to deposits | 63.7911% | 5,199 |
| Net loans and leases to core deposits | 70.5888% | 4,876 |
| Total domestic deposits to total assets | 88.3811% | 1,819 |
| Equity capital to assets | 9.4280% | 5,200 |
| Core capital (leverage) ratio | 9.0070% | 4,912 |
| Tier 1 risk-based capital ratio | 15.7243% | 3,265 |
| Total risk-based capital ratio | 16.9383% | 3,246 |
| Memoranda: | ||
| Average total assets | $101,739,500 | 4,878 |
| Average earning assets | $97,562,000 | 4,728 |
| Average equity | $8,949,750 | 5,322 |
| Average total loans | $57,186,500 | 5,026 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5337% | 5,252 |
| Cost of funding earning assets | 0.5293% | 6,746 |
| Net interest margin | 4.0044% | 2,813 |
| Noninterest income to average assets | 0.8143% | 1,956 |
| Noninterest expense to average assets | 3.1652% | 3,030 |
| Loan and lease loss provision to assets | -0.0195% | 7,380 |
| Net operating income to assets | 1.5094% | 869 |
| Return on assets (ROA) | 1.5074% | 933 |
| Pretax return on assets | 1.5074% | 1,507 |
| Return on Equity (ROE) | 17.5448% | 508 |
| Retained earnings to average equity (ytd only) | 6.8407% | 1,951 |
| Net charge-offs to loans | 0.2409% | 3,680 |
| Credit loss provision to net charge-offs | -14.4928% | 6,191 |
| Earnings coverage of net charge-offs (x) | 11.0580% | 1,745 |
| Efficiency ratio | 67.9950% | 4,513 |
| Assets per employee ($millions) | 2.8002% | 6,468 |
| Cash dividends to net income (ytd only)* | 61.0104% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 5,361 |
| Loan loss allowance to noncurrent loans | 127.3874% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.5663% | 5,791 |
| Noncurrent loans to loans | 0.9734% | 5,040 |
| Net loans and leases to total assets | 57.4567% | 4,731 |
| Net loans and leases to deposits | 64.7618% | 5,181 |
| Net loans and leases to core deposits | 70.7140% | 4,987 |
| Total domestic deposits to total assets | 88.7201% | 1,705 |
| Equity capital to assets | 9.1943% | 5,287 |
| Core capital (leverage) ratio | 8.9480% | 4,808 |
| Tier 1 risk-based capital ratio | 15.7265% | 3,116 |
| Total risk-based capital ratio | 16.9759% | 3,092 |
| Memoranda: | ||
| Average total assets | $102,425,330 | 4,890 |
| Average earning assets | $98,242,000 | 4,750 |
| Average equity | $8,800,330 | 5,380 |
| Average total loans | $57,281,670 | 5,074 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3741% | 5,773 |
| Cost of funding earning assets | 0.5244% | 6,885 |
| Net interest margin | 3.8497% | 3,376 |
| Noninterest income to average assets | 0.7990% | 2,039 |
| Noninterest expense to average assets | 2.9933% | 3,674 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5100% | 855 |
| Return on assets (ROA) | 1.5100% | 899 |
| Pretax return on assets | 1.5100% | 1,418 |
| Return on Equity (ROE) | 18.1714% | 465 |
| Retained earnings to average equity (ytd only) | 18.1714% | 234 |
| Net charge-offs to loans | 0.2578% | 3,039 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 10.6757% | 1,616 |
| Efficiency ratio | 66.4686% | 4,952 |
| Assets per employee ($millions) | 3.1890% | 5,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3134% | 5,068 |
| Loan loss allowance to noncurrent loans | 272.3636% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 6,489 |
| Noncurrent loans to loans | 0.4822% | 6,053 |
| Net loans and leases to total assets | 56.9265% | 4,813 |
| Net loans and leases to deposits | 63.9076% | 5,267 |
| Net loans and leases to core deposits | 69.6989% | 5,084 |
| Total domestic deposits to total assets | 89.0764% | 1,727 |
| Equity capital to assets | 8.9926% | 5,209 |
| Core capital (leverage) ratio | 8.8494% | 4,853 |
| Tier 1 risk-based capital ratio | 15.6327% | 3,084 |
| Total risk-based capital ratio | 16.8825% | 3,044 |
| Memoranda: | ||
| Average total assets | $104,635,000 | 4,876 |
| Average earning assets | $100,683,000 | 4,723 |
| Average equity | $8,695,000 | 5,410 |
| Average total loans | $57,413,500 | 5,114 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9687% | 4,697 |
| Cost of funding earning assets | 0.6033% | 7,120 |
| Net interest margin | 4.3654% | 1,599 |
| Noninterest income to average assets | 0.7488% | 2,550 |
| Noninterest expense to average assets | 3.0265% | 3,744 |
| Loan and lease loss provision to assets | 0.1211% | 5,948 |
| Net operating income to assets | 1.7126% | 501 |
| Return on assets (ROA) | 1.7126% | 542 |
| Pretax return on assets | 1.7126% | 916 |
| Return on Equity (ROE) | 20.0184% | 254 |
| Retained earnings to average equity (ytd only) | 4.9191% | 2,461 |
| Net charge-offs to loans | 0.0338% | 6,464 |
| Credit loss provision to net charge-offs | 631.5789% | 336 |
| Earnings coverage of net charge-offs (x) | 95.6316% | 252 |
| Efficiency ratio | 62.2716% | 5,686 |
| Assets per employee ($millions) | 3.6804% | 4,507 |
| Cash dividends to net income (ytd only)* | 75.4272% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 4,695 |
| Loan loss allowance to noncurrent loans | 214.1689% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.3324% | 6,421 |
| Noncurrent loans to loans | 0.6349% | 5,778 |
| Net loans and leases to total assets | 51.6389% | 5,968 |
| Net loans and leases to deposits | 56.9126% | 6,362 |
| Net loans and leases to core deposits | 61.5049% | 6,275 |
| Total domestic deposits to total assets | 90.7337% | 729 |
| Equity capital to assets | 7.6985% | 6,752 |
| Core capital (leverage) ratio | 8.9184% | 4,662 |
| Tier 1 risk-based capital ratio | 13.8225% | 3,981 |
| Total risk-based capital ratio | 15.0732% | 3,965 |
| Memoranda: | ||
| Average total assets | $99,089,800 | 5,008 |
| Average earning assets | $93,324,000 | 4,906 |
| Average equity | $8,477,200 | 5,556 |
| Average total loans | $56,187,000 | 5,224 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1714% | 3,979 |
| Cost of funding earning assets | 0.6298% | 7,228 |
| Net interest margin | 4.5417% | 1,167 |
| Noninterest income to average assets | 0.7729% | 2,369 |
| Noninterest expense to average assets | 3.1456% | 3,124 |
| Loan and lease loss provision to assets | 0.1247% | 5,785 |
| Net operating income to assets | 1.7480% | 568 |
| Return on assets (ROA) | 1.7480% | 620 |
| Pretax return on assets | 1.7480% | 1,016 |
| Return on Equity (ROE) | 19.8621% | 314 |
| Retained earnings to average equity (ytd only) | 8.7665% | 1,131 |
| Net charge-offs to loans | 0.0191% | 6,404 |
| Credit loss provision to net charge-offs | 1,125.0000% | 258 |
| Earnings coverage of net charge-offs (x) | 168.9428% | 193 |
| Efficiency ratio | 62.6829% | 5,488 |
| Assets per employee ($millions) | 3.0434% | 6,049 |
| Cash dividends to net income (ytd only)* | 55.8641% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 4,822 |
| Loan loss allowance to noncurrent loans | 135.2734% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.6473% | 5,833 |
| Noncurrent loans to loans | 0.9799% | 5,273 |
| Net loans and leases to total assets | 62.5338% | 4,422 |
| Net loans and leases to deposits | 71.1940% | 4,968 |
| Net loans and leases to core deposits | 78.1938% | 4,782 |
| Total domestic deposits to total assets | 87.8358% | 2,064 |
| Equity capital to assets | 9.6625% | 4,598 |
| Core capital (leverage) ratio | 9.3174% | 4,186 |
| Tier 1 risk-based capital ratio | 15.0773% | 3,215 |
| Total risk-based capital ratio | 16.3284% | 3,203 |
| Memoranda: | ||
| Average total assets | $96,259,500 | 5,153 |
| Average earning assets | $89,979,250 | 5,069 |
| Average equity | $8,471,500 | 5,631 |
| Average total loans | $55,783,500 | 5,315 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0642% | 4,645 |
| Cost of funding earning assets | 0.6305% | 7,342 |
| Net interest margin | 4.4336% | 1,363 |
| Noninterest income to average assets | 0.7170% | 2,604 |
| Noninterest expense to average assets | 3.1028% | 3,307 |
| Loan and lease loss provision to assets | 0.1226% | 5,671 |
| Net operating income to assets | 1.6137% | 707 |
| Return on assets (ROA) | 1.6137% | 763 |
| Pretax return on assets | 1.6137% | 1,269 |
| Return on Equity (ROE) | 18.9116% | 391 |
| Retained earnings to average equity (ytd only) | 7.6604% | 1,573 |
| Net charge-offs to loans | 0.0218% | 6,035 |
| Credit loss provision to net charge-offs | 1,000.0000% | 369 |
| Earnings coverage of net charge-offs (x) | 141.6667% | 243 |
| Efficiency ratio | 64.1199% | 5,315 |
| Assets per employee ($millions) | 3.0888% | 5,947 |
| Cash dividends to net income (ytd only)* | 59.4937% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 4,926 |
| Loan loss allowance to noncurrent loans | 113.8675% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.7910% | 5,531 |
| Noncurrent loans to loans | 1.1406% | 5,055 |
| Net loans and leases to total assets | 60.6050% | 4,945 |
| Net loans and leases to deposits | 69.5063% | 5,349 |
| Net loans and leases to core deposits | 75.3357% | 5,273 |
| Total domestic deposits to total assets | 87.1935% | 2,435 |
| Equity capital to assets | 9.2301% | 5,102 |
| Core capital (leverage) ratio | 9.0954% | 4,466 |
| Tier 1 risk-based capital ratio | 14.7000% | 3,326 |
| Total risk-based capital ratio | 15.9502% | 3,301 |
| Memoranda: | ||
| Average total assets | $97,912,330 | 5,138 |
| Average earning assets | $91,032,000 | 5,062 |
| Average equity | $8,354,670 | 5,684 |
| Average total loans | $55,091,000 | 5,378 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8211% | 5,808 |
| Cost of funding earning assets | 0.6324% | 7,489 |
| Net interest margin | 4.1887% | 2,085 |
| Noninterest income to average assets | 0.6923% | 2,652 |
| Noninterest expense to average assets | 3.0755% | 3,362 |
| Loan and lease loss provision to assets | 0.1194% | 5,396 |
| Net operating income to assets | 1.3448% | 1,196 |
| Return on assets (ROA) | 1.3448% | 1,267 |
| Pretax return on assets | 1.3448% | 1,923 |
| Return on Equity (ROE) | 16.3770% | 673 |
| Retained earnings to average equity (ytd only) | 4.9906% | 3,159 |
| Net charge-offs to loans | 0.2288% | 3,549 |
| Credit loss provision to net charge-offs | 96.7742% | 3,509 |
| Earnings coverage of net charge-offs (x) | 11.8710% | 1,612 |
| Efficiency ratio | 67.7476% | 4,772 |
| Assets per employee ($millions) | 3.0865% | 6,030 |
| Cash dividends to net income (ytd only)* | 69.5266% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 5,106 |
| Loan loss allowance to noncurrent loans | 68.9516% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 1.1178% | 4,921 |
| Noncurrent loans to loans | 1.8379% | 4,011 |
| Net loans and leases to total assets | 57.5534% | 5,518 |
| Net loans and leases to deposits | 64.6947% | 5,973 |
| Net loans and leases to core deposits | 70.6918% | 5,855 |
| Total domestic deposits to total assets | 88.9615% | 1,535 |
| Equity capital to assets | 8.9315% | 5,379 |
| Core capital (leverage) ratio | 8.6854% | 5,046 |
| Tier 1 risk-based capital ratio | 14.6726% | 3,271 |
| Total risk-based capital ratio | 15.8841% | 3,264 |
| Memoranda: | ||
| Average total assets | $100,536,500 | 5,133 |
| Average earning assets | $92,344,000 | 5,096 |
| Average equity | $8,255,500 | 5,752 |
| Average total loans | $54,187,500 | 5,486 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3984% | 4,707 |
| Cost of funding earning assets | 0.7850% | 7,579 |
| Net interest margin | 4.6134% | 956 |
| Noninterest income to average assets | 0.7273% | 2,803 |
| Noninterest expense to average assets | 3.0947% | 3,767 |
| Loan and lease loss provision to assets | 0.1245% | 6,392 |
| Net operating income to assets | 1.8062% | 356 |
| Return on assets (ROA) | 1.8062% | 368 |
| Pretax return on assets | 1.8062% | 630 |
| Return on Equity (ROE) | 21.4557% | 181 |
| Retained earnings to average equity (ytd only) | 5.7798% | 1,435 |
| Net charge-offs to loans | -0.0274% | 7,808 |
| Credit loss provision to net charge-offs | -800.0000% | 7,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5813% | 6,226 |
| Assets per employee ($millions) | 3.6160% | 4,747 |
| Cash dividends to net income (ytd only)* | 73.0615% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 4,996 |
| Loan loss allowance to noncurrent loans | 117.6976% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.5365% | 6,114 |
| Noncurrent loans to loans | 1.0699% | 5,179 |
| Net loans and leases to total assets | 49.5165% | 6,685 |
| Net loans and leases to deposits | 54.5491% | 7,019 |
| Net loans and leases to core deposits | 66.6200% | 6,952 |
| Total domestic deposits to total assets | 90.7743% | 629 |
| Equity capital to assets | 7.5969% | 6,951 |
| Core capital (leverage) ratio | 8.7585% | 4,824 |
| Tier 1 risk-based capital ratio | 14.3832% | 3,274 |
| Total risk-based capital ratio | 15.5875% | 3,245 |
| Memoranda: | ||
| Average total assets | $96,389,400 | 5,187 |
| Average earning assets | $89,803,600 | 5,127 |
| Average equity | $8,114,400 | 5,884 |
| Average total loans | $54,799,800 | 5,471 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5434% | 4,194 |
| Cost of funding earning assets | 0.8330% | 7,652 |
| Net interest margin | 4.7104% | 816 |
| Noninterest income to average assets | 0.7483% | 2,720 |
| Noninterest expense to average assets | 3.1931% | 3,322 |
| Loan and lease loss provision to assets | 0.1285% | 6,068 |
| Net operating income to assets | 1.8679% | 383 |
| Return on assets (ROA) | 1.8679% | 405 |
| Pretax return on assets | 1.8679% | 701 |
| Return on Equity (ROE) | 21.5763% | 223 |
| Retained earnings to average equity (ytd only) | 8.3468% | 1,027 |
| Net charge-offs to loans | -0.0389% | 7,834 |
| Credit loss provision to net charge-offs | -562.5000% | 7,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5300% | 6,188 |
| Assets per employee ($millions) | 3.0295% | 6,082 |
| Cash dividends to net income (ytd only)* | 61.3151% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 5,145 |
| Loan loss allowance to noncurrent loans | 228.5714% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 6,694 |
| Noncurrent loans to loans | 0.5228% | 6,262 |
| Net loans and leases to total assets | 59.6847% | 5,630 |
| Net loans and leases to deposits | 69.2882% | 6,001 |
| Net loans and leases to core deposits | 88.3728% | 5,607 |
| Total domestic deposits to total assets | 86.1398% | 2,621 |
| Equity capital to assets | 9.1763% | 5,206 |
| Core capital (leverage) ratio | 8.9226% | 4,775 |
| Tier 1 risk-based capital ratio | 14.7968% | 3,132 |
| Total risk-based capital ratio | 15.9780% | 3,116 |
| Memoranda: | ||
| Average total assets | $93,367,000 | 5,320 |
| Average earning assets | $88,030,500 | 5,232 |
| Average equity | $8,082,750 | 5,956 |
| Average total loans | $54,899,750 | 5,521 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5571% | 4,301 |
| Cost of funding earning assets | 0.8753% | 7,726 |
| Net interest margin | 4.6818% | 824 |
| Noninterest income to average assets | 0.6901% | 3,054 |
| Noninterest expense to average assets | 3.1722% | 3,422 |
| Loan and lease loss provision to assets | 0.1274% | 5,828 |
| Net operating income to assets | 1.7857% | 483 |
| Return on assets (ROA) | 1.7857% | 520 |
| Pretax return on assets | 1.7857% | 869 |
| Return on Equity (ROE) | 21.0329% | 280 |
| Retained earnings to average equity (ytd only) | 9.3535% | 847 |
| Net charge-offs to loans | 0.0364% | 5,942 |
| Credit loss provision to net charge-offs | 600.0000% | 765 |
| Earnings coverage of net charge-offs (x) | 90.1000% | 427 |
| Efficiency ratio | 62.3800% | 6,188 |
| Assets per employee ($millions) | 3.0027% | 6,120 |
| Cash dividends to net income (ytd only)* | 55.5291% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0981% | 5,619 |
| Loan loss allowance to noncurrent loans | 147.7833% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.4507% | 6,318 |
| Noncurrent loans to loans | 0.7430% | 5,755 |
| Net loans and leases to total assets | 59.9911% | 5,680 |
| Net loans and leases to deposits | 67.7669% | 6,220 |
| Net loans and leases to core deposits | 85.3605% | 5,980 |
| Total domestic deposits to total assets | 88.5258% | 1,518 |
| Equity capital to assets | 9.0520% | 5,243 |
| Core capital (leverage) ratio | 8.7256% | 5,047 |
| Tier 1 risk-based capital ratio | 14.6033% | 3,188 |
| Total risk-based capital ratio | 15.6869% | 3,221 |
| Memoranda: | ||
| Average total assets | $94,194,000 | 5,334 |
| Average earning assets | $88,428,000 | 5,246 |
| Average equity | $7,997,000 | 6,025 |
| Average total loans | $54,899,330 | 5,562 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5482% | 4,648 |
| Cost of funding earning assets | 0.9210% | 7,785 |
| Net interest margin | 4.6272% | 897 |
| Noninterest income to average assets | 0.6483% | 3,207 |
| Noninterest expense to average assets | 3.0171% | 3,689 |
| Loan and lease loss provision to assets | 0.1247% | 5,364 |
| Net operating income to assets | 1.8286% | 502 |
| Return on assets (ROA) | 1.8286% | 557 |
| Pretax return on assets | 1.8286% | 926 |
| Return on Equity (ROE) | 22.2264% | 296 |
| Retained earnings to average equity (ytd only) | 10.5070% | 1,071 |
| Net charge-offs to loans | 0.0654% | 4,552 |
| Credit loss provision to net charge-offs | 333.3333% | 1,485 |
| Earnings coverage of net charge-offs (x) | 52.2222% | 698 |
| Efficiency ratio | 60.7023% | 6,290 |
| Assets per employee ($millions) | 3.0966% | 5,897 |
| Cash dividends to net income (ytd only)* | 52.7273% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 5,894 |
| Loan loss allowance to noncurrent loans | 2,114.8148% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 6,947 |
| Noncurrent loans to loans | 0.0490% | 7,399 |
| Net loans and leases to total assets | 58.7339% | 5,842 |
| Net loans and leases to deposits | 65.8182% | 6,395 |
| Net loans and leases to core deposits | 81.1995% | 6,297 |
| Total domestic deposits to total assets | 89.2365% | 1,126 |
| Equity capital to assets | 8.5729% | 5,953 |
| Core capital (leverage) ratio | 8.3159% | 5,877 |
| Tier 1 risk-based capital ratio | 13.9744% | 3,607 |
| Total risk-based capital ratio | 14.9819% | 3,650 |
| Memoranda: | ||
| Average total assets | $96,251,000 | 5,298 |
| Average earning assets | $89,903,000 | 5,227 |
| Average equity | $7,918,500 | 6,089 |
| Average total loans | $55,029,000 | 5,591 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2253% | 4,387 |
| Cost of funding earning assets | 1.2462% | 7,892 |
| Net interest margin | 4.9791% | 538 |
| Noninterest income to average assets | 0.7658% | 2,692 |
| Noninterest expense to average assets | 3.1665% | 3,460 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.2795% | 204 |
| Return on assets (ROA) | 2.2873% | 195 |
| Pretax return on assets | 2.2873% | 325 |
| Return on Equity (ROE) | 27.3270% | 91 |
| Retained earnings to average equity (ytd only) | 8.7505% | 643 |
| Net charge-offs to loans | 0.0836% | 5,566 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 45.5778% | 818 |
| Efficiency ratio | 58.1429% | 6,675 |
| Assets per employee ($millions) | 3.4347% | 4,842 |
| Cash dividends to net income (ytd only)* | 67.9786% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 6,040 |
| Loan loss allowance to noncurrent loans | 95.6522% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 0.5773% | 5,452 |
| Noncurrent loans to loans | 1.0469% | 4,481 |
| Net loans and leases to total assets | 54.5906% | 6,592 |
| Net loans and leases to deposits | 60.5330% | 7,044 |
| Net loans and leases to core deposits | 73.0749% | 7,019 |
| Total domestic deposits to total assets | 90.1832% | 580 |
| Equity capital to assets | 7.9042% | 6,964 |
| Core capital (leverage) ratio | 8.4911% | 5,593 |
| Tier 1 risk-based capital ratio | 13.3384% | 3,904 |
| Total risk-based capital ratio | 14.2897% | 3,996 |
| Memoranda: | ||
| Average total assets | $89,974,000 | 5,355 |
| Average earning assets | $84,574,200 | 5,287 |
| Average equity | $7,531,000 | 6,268 |
| Average total loans | $53,836,800 | 5,533 |