Home > Western National Bank > Performance and Condition Ratios
Western National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6365% | 2,810 |
| Cost of funding earning assets | 1.3280% | 2,434 |
| Net interest margin | 3.3085% | 2,611 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 3.2262% | 806 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2334% | 4,120 |
| Return on assets (ROA) | 0.2334% | 4,131 |
| Pretax return on assets | 0.2334% | 4,160 |
| Return on Equity (ROE) | 2.0500% | 4,149 |
| Retained earnings to average equity (ytd only) | 0.2450% | 3,995 |
| Net charge-offs to loans | 0.0029% | 2,684 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 142.0000% | 737 |
| Efficiency ratio | 93.2526% | 321 |
| Assets per employee ($millions) | 4.0518% | 4,140 |
| Cash dividends to net income (ytd only)* | 88.0282% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1194% | 2,735 |
| Loan loss allowance to noncurrent loans | 136.3971% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 1.5721% | 234 |
| Noncurrent loans to loans | 0.8207% | 940 |
| Net loans and leases to total assets | 53.9200% | 3,355 |
| Net loans and leases to deposits | 62.0568% | 3,405 |
| Net loans and leases to core deposits | 66.7064% | 3,462 |
| Total domestic deposits to total assets | 86.8900% | 1,718 |
| Equity capital to assets | 11.4319% | 1,320 |
| Core capital (leverage) ratio | 9.7313% | 3,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0652% | 1,261 |
| Memoranda: | ||
| Average total assets | $121,659,800 | 3,639 |
| Average earning assets | $108,056,200 | 3,664 |
| Average equity | $13,876,000 | 3,351 |
| Average total loans | $68,912,000 | 3,570 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5850% | 2,717 |
| Cost of funding earning assets | 1.1426% | 2,611 |
| Net interest margin | 3.4425% | 2,358 |
| Noninterest income to average assets | 0.7800% | 993 |
| Noninterest expense to average assets | 3.5062% | 552 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3320% | 4,080 |
| Return on assets (ROA) | 0.3320% | 4,086 |
| Pretax return on assets | 0.3320% | 4,130 |
| Return on Equity (ROE) | 2.9100% | 4,106 |
| Retained earnings to average equity (ytd only) | 0.9901% | 3,951 |
| Net charge-offs to loans | -0.0019% | 3,567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 91.3503% | 340 |
| Assets per employee ($millions) | 3.9529% | 4,186 |
| Cash dividends to net income (ytd only)* | 66.0066% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 2,777 |
| Loan loss allowance to noncurrent loans | 876.4706% | 974 |
| Noncurrent assets plus other real estate owned to assets | 1.2244% | 363 |
| Noncurrent loans to loans | 0.1275% | 2,914 |
| Net loans and leases to total assets | 55.6100% | 3,234 |
| Net loans and leases to deposits | 63.9021% | 3,276 |
| Net loans and leases to core deposits | 69.4977% | 3,230 |
| Total domestic deposits to total assets | 87.0200% | 1,889 |
| Equity capital to assets | 11.3131% | 1,241 |
| Core capital (leverage) ratio | 9.7945% | 3,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5187% | 1,019 |
| Memoranda: | ||
| Average total assets | $121,686,000 | 3,646 |
| Average earning assets | $108,059,000 | 3,674 |
| Average equity | $13,871,000 | 3,344 |
| Average total loans | $69,568,250 | 3,566 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3392% | 3,022 |
| Cost of funding earning assets | 0.9691% | 2,702 |
| Net interest margin | 3.3701% | 2,595 |
| Noninterest income to average assets | 0.8500% | 770 |
| Noninterest expense to average assets | 3.4006% | 598 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4456% | 3,921 |
| Return on assets (ROA) | 0.4456% | 3,928 |
| Pretax return on assets | 0.4456% | 4,052 |
| Return on Equity (ROE) | 3.8400% | 4,046 |
| Retained earnings to average equity (ytd only) | 1.7365% | 3,773 |
| Net charge-offs to loans | -0.0028% | 3,595 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 88.4144% | 410 |
| Assets per employee ($millions) | 4.4154% | 4,003 |
| Cash dividends to net income (ytd only)* | 54.7445% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 2,957 |
| Loan loss allowance to noncurrent loans | 1,862.5000% | 598 |
| Noncurrent assets plus other real estate owned to assets | 1.1802% | 352 |
| Noncurrent loans to loans | 0.0591% | 3,273 |
| Net loans and leases to total assets | 56.1700% | 3,110 |
| Net loans and leases to deposits | 64.9132% | 3,132 |
| Net loans and leases to core deposits | 69.6073% | 3,150 |
| Total domestic deposits to total assets | 86.5200% | 2,085 |
| Equity capital to assets | 12.0244% | 1,041 |
| Core capital (leverage) ratio | 9.7246% | 3,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2447% | 1,075 |
| Memoranda: | ||
| Average total assets | $122,977,667 | 3,647 |
| Average earning assets | $109,374,667 | 3,676 |
| Average equity | $14,281,667 | 3,328 |
| Average total loans | $70,527,667 | 3,553 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1876% | 3,072 |
| Cost of funding earning assets | 0.6746% | 3,141 |
| Net interest margin | 3.5130% | 2,327 |
| Noninterest income to average assets | 0.8600% | 744 |
| Noninterest expense to average assets | 3.4023% | 599 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5895% | 3,710 |
| Return on assets (ROA) | 0.5895% | 3,677 |
| Pretax return on assets | 0.5895% | 3,859 |
| Return on Equity (ROE) | 5.1600% | 3,863 |
| Retained earnings to average equity (ytd only) | 2.3571% | 3,635 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 85.2327% | 537 |
| Assets per employee ($millions) | 4.5483% | 3,993 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 3,318 |
| Loan loss allowance to noncurrent loans | 1,771.4286% | 648 |
| Noncurrent assets plus other real estate owned to assets | 1.1473% | 324 |
| Noncurrent loans to loans | 0.0590% | 3,311 |
| Net loans and leases to total assets | 57.4100% | 2,918 |
| Net loans and leases to deposits | 68.0082% | 2,763 |
| Net loans and leases to core deposits | 72.8999% | 2,752 |
| Total domestic deposits to total assets | 84.4100% | 2,992 |
| Equity capital to assets | 11.6412% | 1,109 |
| Core capital (leverage) ratio | 9.2953% | 3,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5580% | 1,248 |
| Memoranda: | ||
| Average total assets | $124,858,500 | 3,672 |
| Average earning assets | $111,472,000 | 3,703 |
| Average equity | $14,255,000 | 3,365 |
| Average total loans | $71,940,000 | 3,575 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9752% | 1,775 |
| Cost of funding earning assets | 0.4677% | 1,595 |
| Net interest margin | 3.5075% | 1,907 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 3.3877% | 553 |
| Loan and lease loss provision to assets | -0.0300% | 4,361 |
| Net operating income to assets | 0.2068% | 4,443 |
| Return on assets (ROA) | 0.2068% | 4,421 |
| Pretax return on assets | 0.2068% | 4,442 |
| Return on Equity (ROE) | 1.7700% | 4,405 |
| Retained earnings to average equity (ytd only) | -0.0636% | 4,367 |
| Net charge-offs to loans | 0.0524% | 1,146 |
| Credit loss provision to net charge-offs | -89.7436% | 4,576 |
| Earnings coverage of net charge-offs (x) | 5.5385% | 2,372 |
| Efficiency ratio | 95.0092% | 213 |
| Assets per employee ($millions) | 4.8812% | 3,763 |
| Cash dividends to net income (ytd only)* | 103.5857% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 3,235 |
| Loan loss allowance to noncurrent loans | 1,730.2326% | 662 |
| Noncurrent assets plus other real estate owned to assets | 1.1110% | 366 |
| Noncurrent loans to loans | 0.0592% | 3,329 |
| Net loans and leases to total assets | 56.6500% | 2,951 |
| Net loans and leases to deposits | 65.1467% | 2,948 |
| Net loans and leases to core deposits | 69.0811% | 2,941 |
| Total domestic deposits to total assets | 86.9500% | 2,405 |
| Equity capital to assets | 11.1999% | 1,183 |
| Core capital (leverage) ratio | 9.0755% | 3,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9213% | 1,383 |
| Memoranda: | ||
| Average total assets | $121,380,600 | 3,717 |
| Average earning assets | $107,968,400 | 3,747 |
| Average equity | $14,150,800 | 3,451 |
| Average total loans | $74,420,800 | 3,498 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8921% | 1,501 |
| Cost of funding earning assets | 0.3915% | 1,352 |
| Net interest margin | 3.5007% | 1,659 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 3.5033% | 490 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.0733% | 4,559 |
| Return on assets (ROA) | 0.0733% | 4,532 |
| Pretax return on assets | 0.0733% | 4,527 |
| Return on Equity (ROE) | 0.6200% | 4,525 |
| Retained earnings to average equity (ytd only) | -1.8299% | 4,482 |
| Net charge-offs to loans | 0.0641% | 849 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1.8333% | 2,266 |
| Efficiency ratio | 97.9497% | 178 |
| Assets per employee ($millions) | 5.5295% | 3,184 |
| Cash dividends to net income (ytd only)* | 393.9394% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0742% | 3,125 |
| Loan loss allowance to noncurrent loans | 138.8988% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 1.5113% | 221 |
| Noncurrent loans to loans | 0.7734% | 1,049 |
| Net loans and leases to total assets | 56.6300% | 2,839 |
| Net loans and leases to deposits | 64.6853% | 2,812 |
| Net loans and leases to core deposits | 68.3335% | 2,770 |
| Total domestic deposits to total assets | 87.5400% | 2,582 |
| Equity capital to assets | 11.0255% | 1,166 |
| Core capital (leverage) ratio | 8.9435% | 3,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6616% | 1,512 |
| Memoranda: | ||
| Average total assets | $119,997,750 | 3,754 |
| Average earning assets | $106,605,750 | 3,788 |
| Average equity | $14,135,000 | 3,492 |
| Average total loans | $74,867,000 | 3,503 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8888% | 1,131 |
| Cost of funding earning assets | 0.3229% | 1,504 |
| Net interest margin | 3.5659% | 1,143 |
| Noninterest income to average assets | 0.4966% | 2,218 |
| Noninterest expense to average assets | 3.5475% | 420 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1037% | 4,510 |
| Return on assets (ROA) | 0.1037% | 4,477 |
| Pretax return on assets | 0.1037% | 4,486 |
| Return on Equity (ROE) | 0.8608% | 4,477 |
| Retained earnings to average equity (ytd only) | -1.9615% | 4,383 |
| Net charge-offs to loans | 0.0953% | 605 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1.6944% | 2,057 |
| Efficiency ratio | 97.1588% | 229 |
| Assets per employee ($millions) | 4.5869% | 4,014 |
| Cash dividends to net income (ytd only)* | 327.8689% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 3,410 |
| Loan loss allowance to noncurrent loans | 149.8084% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 1.5196% | 231 |
| Noncurrent loans to loans | 0.6968% | 1,239 |
| Net loans and leases to total assets | 59.8558% | 2,339 |
| Net loans and leases to deposits | 68.7188% | 2,325 |
| Net loans and leases to core deposits | 72.8798% | 2,247 |
| Total domestic deposits to total assets | 87.1025% | 2,903 |
| Equity capital to assets | 11.3714% | 1,072 |
| Core capital (leverage) ratio | 9.3366% | 3,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5913% | 1,548 |
| Memoranda: | ||
| Average total assets | $117,604,333 | 3,819 |
| Average earning assets | $104,042,000 | 3,868 |
| Average equity | $14,172,667 | 3,568 |
| Average total loans | $75,556,000 | 3,525 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9676% | 824 |
| Cost of funding earning assets | 0.2899% | 1,742 |
| Net interest margin | 3.6777% | 779 |
| Noninterest income to average assets | 0.5486% | 1,907 |
| Noninterest expense to average assets | 3.5394% | 411 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2446% | 4,251 |
| Return on assets (ROA) | 0.2446% | 4,227 |
| Pretax return on assets | 0.2446% | 4,279 |
| Return on Equity (ROE) | 1.9694% | 4,263 |
| Retained earnings to average equity (ytd only) | -1.5474% | 4,205 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5365% | 404 |
| Assets per employee ($millions) | 4.0585% | 4,377 |
| Cash dividends to net income (ytd only)* | 178.5714% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 3,426 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6913% | 198 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 66.1190% | 1,397 |
| Net loans and leases to deposits | 77.1087% | 1,353 |
| Net loans and leases to core deposits | 82.3112% | 1,334 |
| Total domestic deposits to total assets | 85.7479% | 3,331 |
| Equity capital to assets | 12.4799% | 813 |
| Core capital (leverage) ratio | 10.0003% | 2,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7328% | 1,580 |
| Memoranda: | ||
| Average total assets | $114,483,500 | 3,867 |
| Average earning assets | $100,715,000 | 3,929 |
| Average equity | $14,217,500 | 3,629 |
| Average total loans | $75,878,500 | 3,526 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8399% | 1,768 |
| Cost of funding earning assets | 0.3073% | 2,335 |
| Net interest margin | 3.5326% | 1,646 |
| Noninterest income to average assets | 0.8851% | 1,247 |
| Noninterest expense to average assets | 3.5276% | 457 |
| Loan and lease loss provision to assets | 0.0308% | 2,440 |
| Net operating income to assets | 0.4600% | 4,163 |
| Return on assets (ROA) | 0.4600% | 4,211 |
| Pretax return on assets | 0.4600% | 4,312 |
| Return on Equity (ROE) | 3.9822% | 4,219 |
| Retained earnings to average equity (ytd only) | 0.1194% | 4,455 |
| Net charge-offs to loans | 0.0038% | 2,477 |
| Credit loss provision to net charge-offs | 1,266.6667% | 441 |
| Earnings coverage of net charge-offs (x) | 201.6667% | 543 |
| Efficiency ratio | 87.7852% | 397 |
| Assets per employee ($millions) | 3.9768% | 4,432 |
| Cash dividends to net income (ytd only)* | 97.0018% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0804% | 3,437 |
| Loan loss allowance to noncurrent loans | 1,050.0000% | 849 |
| Noncurrent assets plus other real estate owned to assets | 1.7342% | 214 |
| Noncurrent loans to loans | 0.1029% | 3,413 |
| Net loans and leases to total assets | 65.0172% | 1,583 |
| Net loans and leases to deposits | 75.9722% | 1,574 |
| Net loans and leases to core deposits | 80.9944% | 1,521 |
| Total domestic deposits to total assets | 85.5803% | 3,057 |
| Equity capital to assets | 12.3587% | 1,103 |
| Core capital (leverage) ratio | 9.8511% | 2,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1044% | 1,480 |
| Memoranda: | ||
| Average total assets | $123,256,400 | 3,769 |
| Average earning assets | $109,325,800 | 3,817 |
| Average equity | $14,238,400 | 3,712 |
| Average total loans | $79,090,200 | 3,495 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8277% | 1,958 |
| Cost of funding earning assets | 0.3169% | 2,439 |
| Net interest margin | 3.5108% | 1,836 |
| Noninterest income to average assets | 0.8272% | 1,451 |
| Noninterest expense to average assets | 3.3759% | 551 |
| Loan and lease loss provision to assets | 0.0407% | 2,185 |
| Net operating income to assets | 0.5249% | 4,150 |
| Return on assets (ROA) | 0.5249% | 4,198 |
| Pretax return on assets | 0.5249% | 4,338 |
| Return on Equity (ROE) | 4.6177% | 4,201 |
| Retained earnings to average equity (ytd only) | -0.5339% | 4,616 |
| Net charge-offs to loans | 0.0017% | 2,349 |
| Credit loss provision to net charge-offs | 3,800.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 531.0000% | 283 |
| Efficiency ratio | 85.6564% | 447 |
| Assets per employee ($millions) | 4.2563% | 4,296 |
| Cash dividends to net income (ytd only)* | 111.5619% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 3,753 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5571% | 311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 64.1012% | 1,762 |
| Net loans and leases to deposits | 73.7246% | 1,888 |
| Net loans and leases to core deposits | 78.5392% | 1,851 |
| Total domestic deposits to total assets | 86.9468% | 2,372 |
| Equity capital to assets | 11.4921% | 1,688 |
| Core capital (leverage) ratio | 9.1654% | 3,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4522% | 1,816 |
| Memoranda: | ||
| Average total assets | $125,238,500 | 3,778 |
| Average earning assets | $111,082,500 | 3,843 |
| Average equity | $14,234,750 | 3,762 |
| Average total loans | $79,912,250 | 3,528 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7804% | 2,118 |
| Cost of funding earning assets | 0.3283% | 2,511 |
| Net interest margin | 3.4521% | 1,998 |
| Noninterest income to average assets | 0.9234% | 1,207 |
| Noninterest expense to average assets | 3.3773% | 552 |
| Loan and lease loss provision to assets | 0.0604% | 1,828 |
| Net operating income to assets | 0.5435% | 4,127 |
| Return on assets (ROA) | 0.5435% | 4,172 |
| Pretax return on assets | 0.5435% | 4,321 |
| Return on Equity (ROE) | 4.7996% | 4,170 |
| Retained earnings to average equity (ytd only) | -0.8140% | 4,590 |
| Net charge-offs to loans | 0.0075% | 1,860 |
| Credit loss provision to net charge-offs | 1,266.6667% | 402 |
| Earnings coverage of net charge-offs (x) | 126.6667% | 652 |
| Efficiency ratio | 84.8303% | 516 |
| Assets per employee ($millions) | 4.7923% | 3,845 |
| Cash dividends to net income (ytd only)* | 116.9591% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0365% | 3,692 |
| Loan loss allowance to noncurrent loans | 1,136.1111% | 676 |
| Noncurrent assets plus other real estate owned to assets | 1.4743% | 394 |
| Noncurrent loans to loans | 0.0912% | 3,718 |
| Net loans and leases to total assets | 56.1959% | 2,875 |
| Net loans and leases to deposits | 63.5471% | 3,048 |
| Net loans and leases to core deposits | 67.2835% | 3,012 |
| Total domestic deposits to total assets | 88.4320% | 1,604 |
| Equity capital to assets | 10.2074% | 2,659 |
| Core capital (leverage) ratio | 9.2479% | 3,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7845% | 2,061 |
| Memoranda: | ||
| Average total assets | $125,840,333 | 3,784 |
| Average earning assets | $111,468,333 | 3,849 |
| Average equity | $14,251,333 | 3,767 |
| Average total loans | $79,902,333 | 3,551 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1196% | 1,343 |
| Cost of funding earning assets | 0.3794% | 2,270 |
| Net interest margin | 3.7402% | 1,252 |
| Noninterest income to average assets | 1.0598% | 1,039 |
| Noninterest expense to average assets | 3.4711% | 488 |
| Loan and lease loss provision to assets | 0.1274% | 1,077 |
| Net operating income to assets | 0.7345% | 3,616 |
| Return on assets (ROA) | 0.7345% | 3,686 |
| Pretax return on assets | 0.7345% | 3,943 |
| Return on Equity (ROE) | 6.1327% | 3,822 |
| Retained earnings to average equity (ytd only) | 1.9322% | 4,021 |
| Net charge-offs to loans | 0.0050% | 1,732 |
| Credit loss provision to net charge-offs | 3,800.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 257.0000% | 335 |
| Efficiency ratio | 80.1084% | 818 |
| Assets per employee ($millions) | 4.3514% | 4,237 |
| Cash dividends to net income (ytd only)* | 68.4932% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 3,814 |
| Loan loss allowance to noncurrent loans | 891.3043% | 743 |
| Noncurrent assets plus other real estate owned to assets | 1.6190% | 363 |
| Noncurrent loans to loans | 0.1128% | 3,743 |
| Net loans and leases to total assets | 63.9565% | 2,047 |
| Net loans and leases to deposits | 74.7982% | 2,040 |
| Net loans and leases to core deposits | 79.8472% | 2,016 |
| Total domestic deposits to total assets | 85.5054% | 2,925 |
| Equity capital to assets | 11.3454% | 1,627 |
| Core capital (leverage) ratio | 9.7318% | 2,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7990% | 1,964 |
| Memoranda: | ||
| Average total assets | $119,271,500 | 3,871 |
| Average earning assets | $104,380,000 | 3,932 |
| Average equity | $14,284,000 | 3,769 |
| Average total loans | $80,394,500 | 3,555 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9612% | 527 |
| Cost of funding earning assets | 0.6725% | 1,862 |
| Net interest margin | 4.2887% | 520 |
| Noninterest income to average assets | 1.0275% | 996 |
| Noninterest expense to average assets | 3.6589% | 558 |
| Loan and lease loss provision to assets | 0.0872% | 3,274 |
| Net operating income to assets | 0.8892% | 2,740 |
| Return on assets (ROA) | 0.8892% | 2,881 |
| Pretax return on assets | 0.8892% | 3,396 |
| Return on Equity (ROE) | 7.1973% | 3,127 |
| Retained earnings to average equity (ytd only) | 2.5251% | 3,583 |
| Net charge-offs to loans | 0.0465% | 2,135 |
| Credit loss provision to net charge-offs | 260.5263% | 1,884 |
| Earnings coverage of net charge-offs (x) | 29.1579% | 1,636 |
| Efficiency ratio | 78.9354% | 968 |
| Assets per employee ($millions) | 3.8742% | 4,456 |
| Cash dividends to net income (ytd only)* | 64.9158% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 3,906 |
| Loan loss allowance to noncurrent loans | 872.2222% | 742 |
| Noncurrent assets plus other real estate owned to assets | 2.1762% | 245 |
| Noncurrent loans to loans | 0.1135% | 3,834 |
| Net loans and leases to total assets | 69.8490% | 1,584 |
| Net loans and leases to deposits | 83.2858% | 1,516 |
| Net loans and leases to core deposits | 89.7515% | 1,543 |
| Total domestic deposits to total assets | 83.8666% | 3,153 |
| Equity capital to assets | 12.6844% | 1,238 |
| Core capital (leverage) ratio | 10.1419% | 2,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0954% | 1,493 |
| Memoranda: | ||
| Average total assets | $113,475,400 | 3,834 |
| Average earning assets | $95,460,400 | 3,953 |
| Average equity | $14,019,200 | 3,754 |
| Average total loans | $81,783,000 | 3,523 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1278% | 475 |
| Cost of funding earning assets | 0.7289% | 1,862 |
| Net interest margin | 4.3989% | 472 |
| Noninterest income to average assets | 0.6540% | 1,970 |
| Noninterest expense to average assets | 3.5455% | 666 |
| Loan and lease loss provision to assets | 0.1160% | 2,872 |
| Net operating income to assets | 0.6775% | 3,530 |
| Return on assets (ROA) | 0.6775% | 3,641 |
| Pretax return on assets | 0.6775% | 3,949 |
| Return on Equity (ROE) | 5.5199% | 3,715 |
| Retained earnings to average equity (ytd only) | 0.5539% | 4,376 |
| Net charge-offs to loans | 0.0663% | 1,663 |
| Credit loss provision to net charge-offs | 241.4634% | 1,956 |
| Earnings coverage of net charge-offs (x) | 16.5122% | 2,055 |
| Efficiency ratio | 81.7126% | 745 |
| Assets per employee ($millions) | 4.2846% | 4,060 |
| Cash dividends to net income (ytd only)* | 89.9654% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9470% | 3,899 |
| Loan loss allowance to noncurrent loans | 87.5561% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 2.2489% | 259 |
| Noncurrent loans to loans | 1.0815% | 1,389 |
| Net loans and leases to total assets | 68.0959% | 2,235 |
| Net loans and leases to deposits | 85.1041% | 1,798 |
| Net loans and leases to core deposits | 91.0260% | 1,882 |
| Total domestic deposits to total assets | 80.0148% | 3,862 |
| Equity capital to assets | 11.6313% | 1,915 |
| Core capital (leverage) ratio | 9.3674% | 3,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9870% | 1,835 |
| Memoranda: | ||
| Average total assets | $113,756,500 | 3,818 |
| Average earning assets | $95,295,250 | 3,948 |
| Average equity | $13,961,250 | 3,766 |
| Average total loans | $82,413,500 | 3,534 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3100% | 470 |
| Cost of funding earning assets | 0.7782% | 1,945 |
| Net interest margin | 4.5319% | 470 |
| Noninterest income to average assets | 0.5265% | 2,459 |
| Noninterest expense to average assets | 3.4508% | 792 |
| Loan and lease loss provision to assets | 0.1397% | 2,618 |
| Net operating income to assets | 0.7843% | 3,089 |
| Return on assets (ROA) | 0.7843% | 3,208 |
| Pretax return on assets | 0.7843% | 3,635 |
| Return on Equity (ROE) | 6.2734% | 3,413 |
| Retained earnings to average equity (ytd only) | 1.9766% | 3,767 |
| Net charge-offs to loans | 0.0680% | 1,565 |
| Credit loss provision to net charge-offs | 278.5714% | 1,672 |
| Earnings coverage of net charge-offs (x) | 18.4286% | 1,767 |
| Efficiency ratio | 78.8784% | 973 |
| Assets per employee ($millions) | 4.0391% | 4,274 |
| Cash dividends to net income (ytd only)* | 68.4932% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9281% | 3,884 |
| Loan loss allowance to noncurrent loans | 69.2652% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 2.5484% | 217 |
| Noncurrent loans to loans | 1.3400% | 1,145 |
| Net loans and leases to total assets | 70.4430% | 1,965 |
| Net loans and leases to deposits | 88.6130% | 1,493 |
| Net loans and leases to core deposits | 106.7219% | 862 |
| Total domestic deposits to total assets | 79.4951% | 3,941 |
| Equity capital to assets | 11.9761% | 1,678 |
| Core capital (leverage) ratio | 9.3984% | 3,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6446% | 1,587 |
| Memoranda: | ||
| Average total assets | $111,685,667 | 3,839 |
| Average earning assets | $94,839,667 | 3,955 |
| Average equity | $13,963,667 | 3,770 |
| Average total loans | $82,393,000 | 3,539 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4393% | 425 |
| Cost of funding earning assets | 0.8672% | 2,027 |
| Net interest margin | 4.5721% | 434 |
| Noninterest income to average assets | 0.4846% | 2,638 |
| Noninterest expense to average assets | 3.4948% | 946 |
| Loan and lease loss provision to assets | 0.0771% | 2,758 |
| Net operating income to assets | 0.8223% | 2,825 |
| Return on assets (ROA) | 0.8223% | 2,910 |
| Pretax return on assets | 0.8223% | 3,351 |
| Return on Equity (ROE) | 6.4315% | 3,158 |
| Retained earnings to average equity (ytd only) | 3.5603% | 2,867 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5322% | 1,189 |
| Assets per employee ($millions) | 3.9045% | 4,043 |
| Cash dividends to net income (ytd only)* | 44.6429% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9087% | 4,078 |
| Loan loss allowance to noncurrent loans | 78.0693% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 2.7537% | 228 |
| Noncurrent loans to loans | 1.1640% | 1,420 |
| Net loans and leases to total assets | 71.6491% | 1,972 |
| Net loans and leases to deposits | 90.8968% | 1,416 |
| Net loans and leases to core deposits | 120.2784% | 458 |
| Total domestic deposits to total assets | 78.8247% | 4,081 |
| Equity capital to assets | 12.3597% | 1,825 |
| Core capital (leverage) ratio | 9.9203% | 3,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,962,000 | 3,855 |
| Average earning assets | $93,173,000 | 3,982 |
| Average equity | $13,931,500 | 3,777 |
| Average total loans | $81,947,000 | 3,549 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4674% | 596 |
| Cost of funding earning assets | 0.8174% | 2,602 |
| Net interest margin | 4.6500% | 520 |
| Noninterest income to average assets | 0.5858% | 2,293 |
| Noninterest expense to average assets | 3.6199% | 836 |
| Loan and lease loss provision to assets | 0.6313% | 186 |
| Net operating income to assets | 0.4224% | 4,555 |
| Return on assets (ROA) | 0.4224% | 4,584 |
| Pretax return on assets | 0.4224% | 4,672 |
| Return on Equity (ROE) | 3.2945% | 4,608 |
| Retained earnings to average equity (ytd only) | -0.2027% | 4,731 |
| Net charge-offs to loans | 0.8123% | 207 |
| Credit loss provision to net charge-offs | 103.5008% | 2,395 |
| Earnings coverage of net charge-offs (x) | 1.7275% | 3,502 |
| Efficiency ratio | 77.4533% | 1,214 |
| Assets per employee ($millions) | 3.7390% | 4,222 |
| Cash dividends to net income (ytd only)* | 106.1538% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8815% | 4,045 |
| Loan loss allowance to noncurrent loans | 37.7940% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 2.6735% | 226 |
| Noncurrent loans to loans | 2.3323% | 504 |
| Net loans and leases to total assets | 77.6537% | 1,134 |
| Net loans and leases to deposits | 91.7336% | 1,398 |
| Net loans and leases to core deposits | 132.0158% | 253 |
| Total domestic deposits to total assets | 84.6513% | 2,624 |
| Equity capital to assets | 13.2463% | 1,394 |
| Core capital (leverage) ratio | 10.4241% | 3,041 |
| Tier 1 risk-based capital ratio | 14.7406% | 2,890 |
| Total risk-based capital ratio | 15.7141% | 2,932 |
| Memoranda: | ||
| Average total assets | $107,711,400 | 3,865 |
| Average earning assets | $94,689,000 | 3,954 |
| Average equity | $13,810,800 | 3,777 |
| Average total loans | $80,885,800 | 3,586 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4270% | 664 |
| Cost of funding earning assets | 0.8196% | 2,617 |
| Net interest margin | 4.6074% | 608 |
| Noninterest income to average assets | 0.5532% | 2,444 |
| Noninterest expense to average assets | 3.5353% | 911 |
| Loan and lease loss provision to assets | 0.6515% | 170 |
| Net operating income to assets | 0.4364% | 4,646 |
| Return on assets (ROA) | 0.4364% | 4,680 |
| Pretax return on assets | 0.4364% | 4,766 |
| Return on Equity (ROE) | 3.4307% | 4,694 |
| Retained earnings to average equity (ytd only) | -0.2223% | 4,783 |
| Net charge-offs to loans | 0.8089% | 196 |
| Credit loss provision to net charge-offs | 108.3845% | 2,112 |
| Earnings coverage of net charge-offs (x) | 1.8098% | 3,254 |
| Efficiency ratio | 76.4690% | 1,274 |
| Assets per employee ($millions) | 3.8096% | 4,153 |
| Cash dividends to net income (ytd only)* | 106.4798% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8984% | 4,052 |
| Loan loss allowance to noncurrent loans | 36.6650% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 2.6737% | 230 |
| Noncurrent loans to loans | 2.4503% | 483 |
| Net loans and leases to total assets | 76.6289% | 1,368 |
| Net loans and leases to deposits | 90.2756% | 1,667 |
| Net loans and leases to core deposits | 128.5766% | 318 |
| Total domestic deposits to total assets | 84.8833% | 2,464 |
| Equity capital to assets | 13.0046% | 1,624 |
| Core capital (leverage) ratio | 10.4539% | 3,142 |
| Tier 1 risk-based capital ratio | 14.4164% | 3,127 |
| Total risk-based capital ratio | 15.3916% | 3,163 |
| Memoranda: | ||
| Average total assets | $108,466,000 | 3,893 |
| Average earning assets | $95,814,250 | 3,987 |
| Average equity | $13,796,500 | 3,816 |
| Average total loans | $80,602,000 | 3,630 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2665% | 871 |
| Cost of funding earning assets | 0.8220% | 2,537 |
| Net interest margin | 4.4445% | 862 |
| Noninterest income to average assets | 0.5850% | 2,220 |
| Noninterest expense to average assets | 3.5153% | 943 |
| Loan and lease loss provision to assets | 0.9169% | 105 |
| Net operating income to assets | 0.0990% | 5,060 |
| Return on assets (ROA) | 0.0990% | 5,068 |
| Pretax return on assets | 0.0990% | 5,074 |
| Return on Equity (ROE) | 0.7842% | 5,065 |
| Retained earnings to average equity (ytd only) | -4.7054% | 5,050 |
| Net charge-offs to loans | 1.2054% | 109 |
| Credit loss provision to net charge-offs | 103.7344% | 1,914 |
| Earnings coverage of net charge-offs (x) | 1.1494% | 3,051 |
| Efficiency ratio | 77.5799% | 1,207 |
| Assets per employee ($millions) | 3.4516% | 4,554 |
| Cash dividends to net income (ytd only)* | 700.0000% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8941% | 4,117 |
| Loan loss allowance to noncurrent loans | 35.8142% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 2.1785% | 392 |
| Noncurrent loans to loans | 2.4964% | 477 |
| Net loans and leases to total assets | 74.2778% | 1,840 |
| Net loans and leases to deposits | 87.1565% | 2,111 |
| Net loans and leases to core deposits | 124.2776% | 421 |
| Total domestic deposits to total assets | 85.2235% | 2,379 |
| Equity capital to assets | 12.6728% | 1,761 |
| Core capital (leverage) ratio | 9.9002% | 3,703 |
| Tier 1 risk-based capital ratio | 14.7886% | 2,922 |
| Total risk-based capital ratio | 15.7840% | 2,976 |
| Memoranda: | ||
| Average total assets | $109,064,670 | 3,913 |
| Average earning assets | $96,838,330 | 3,993 |
| Average equity | $13,771,330 | 3,821 |
| Average total loans | $79,975,670 | 3,659 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1655% | 968 |
| Cost of funding earning assets | 0.7514% | 2,783 |
| Net interest margin | 4.4142% | 867 |
| Noninterest income to average assets | 0.5522% | 2,277 |
| Noninterest expense to average assets | 3.3898% | 1,128 |
| Loan and lease loss provision to assets | 0.1817% | 906 |
| Net operating income to assets | 0.9083% | 3,204 |
| Return on assets (ROA) | 0.9083% | 3,251 |
| Pretax return on assets | 0.9083% | 3,741 |
| Return on Equity (ROE) | 7.2062% | 3,590 |
| Retained earnings to average equity (ytd only) | 0.8647% | 4,348 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6691% | 1,534 |
| Assets per employee ($millions) | 3.6808% | 4,369 |
| Cash dividends to net income (ytd only)* | 88.0000% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9180% | 4,087 |
| Loan loss allowance to noncurrent loans | 47.9513% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 1.4145% | 877 |
| Noncurrent loans to loans | 1.9144% | 792 |
| Net loans and leases to total assets | 73.2114% | 1,944 |
| Net loans and leases to deposits | 83.9779% | 2,387 |
| Net loans and leases to core deposits | 121.9554% | 484 |
| Total domestic deposits to total assets | 87.1794% | 1,724 |
| Equity capital to assets | 12.5860% | 1,688 |
| Core capital (leverage) ratio | 10.4352% | 3,127 |
| Tier 1 risk-based capital ratio | 14.3535% | 3,167 |
| Total risk-based capital ratio | 15.3303% | 3,224 |
| Memoranda: | ||
| Average total assets | $110,096,500 | 3,933 |
| Average earning assets | $97,957,000 | 4,006 |
| Average equity | $13,877,000 | 3,819 |
| Average total loans | $79,866,000 | 3,697 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9124% | 1,250 |
| Cost of funding earning assets | 0.5573% | 3,001 |
| Net interest margin | 4.3551% | 1,022 |
| Noninterest income to average assets | 0.5268% | 2,678 |
| Noninterest expense to average assets | 3.4534% | 1,064 |
| Loan and lease loss provision to assets | 0.1677% | 1,201 |
| Net operating income to assets | 0.6818% | 4,193 |
| Return on assets (ROA) | 0.6818% | 4,196 |
| Pretax return on assets | 0.6818% | 4,454 |
| Return on Equity (ROE) | 5.4675% | 4,337 |
| Retained earnings to average equity (ytd only) | 0.8143% | 4,771 |
| Net charge-offs to loans | 0.1168% | 1,583 |
| Credit loss provision to net charge-offs | 215.1163% | 1,348 |
| Earnings coverage of net charge-offs (x) | 10.8953% | 2,673 |
| Efficiency ratio | 80.2571% | 937 |
| Assets per employee ($millions) | 3.7851% | 4,201 |
| Cash dividends to net income (ytd only)* | 85.1064% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8945% | 4,194 |
| Loan loss allowance to noncurrent loans | 44.6645% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 1.4257% | 834 |
| Noncurrent loans to loans | 2.0028% | 675 |
| Net loans and leases to total assets | 70.5491% | 2,494 |
| Net loans and leases to deposits | 81.0179% | 2,851 |
| Net loans and leases to core deposits | 114.9300% | 739 |
| Total domestic deposits to total assets | 87.0783% | 1,751 |
| Equity capital to assets | 12.6229% | 1,528 |
| Core capital (leverage) ratio | 10.1771% | 3,375 |
| Tier 1 risk-based capital ratio | 15.3116% | 2,697 |
| Total risk-based capital ratio | 16.2868% | 2,746 |
| Memoranda: | ||
| Average total assets | $110,295,600 | 3,943 |
| Average earning assets | $95,634,600 | 4,043 |
| Average equity | $13,754,000 | 3,783 |
| Average total loans | $73,624,600 | 3,794 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8193% | 1,376 |
| Cost of funding earning assets | 0.5037% | 3,175 |
| Net interest margin | 4.3156% | 1,085 |
| Noninterest income to average assets | 0.5083% | 2,820 |
| Noninterest expense to average assets | 3.3880% | 1,136 |
| Loan and lease loss provision to assets | 0.2234% | 736 |
| Net operating income to assets | 0.6109% | 4,472 |
| Return on assets (ROA) | 0.6109% | 4,480 |
| Pretax return on assets | 0.6109% | 4,712 |
| Return on Equity (ROE) | 4.9142% | 4,591 |
| Retained earnings to average equity (ytd only) | 1.2237% | 4,800 |
| Net charge-offs to loans | -0.0920% | 5,139 |
| Credit loss provision to net charge-offs | -370.0000% | 4,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2402% | 923 |
| Assets per employee ($millions) | 3.9515% | 3,961 |
| Cash dividends to net income (ytd only)* | 75.0982% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 3,133 |
| Loan loss allowance to noncurrent loans | 63.4981% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 1.1885% | 1,182 |
| Noncurrent loans to loans | 1.7493% | 886 |
| Net loans and leases to total assets | 67.1891% | 3,052 |
| Net loans and leases to deposits | 77.0690% | 3,314 |
| Net loans and leases to core deposits | 109.2448% | 1,086 |
| Total domestic deposits to total assets | 87.1804% | 1,649 |
| Equity capital to assets | 12.5277% | 1,564 |
| Core capital (leverage) ratio | 10.2229% | 3,378 |
| Tier 1 risk-based capital ratio | 15.9908% | 2,455 |
| Total risk-based capital ratio | 17.2058% | 2,403 |
| Memoranda: | ||
| Average total assets | $110,427,250 | 3,980 |
| Average earning assets | $95,031,750 | 4,095 |
| Average equity | $13,728,500 | 3,814 |
| Average total loans | $72,495,750 | 3,855 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6653% | 1,595 |
| Cost of funding earning assets | 0.4277% | 3,516 |
| Net interest margin | 4.2376% | 1,197 |
| Noninterest income to average assets | 0.4984% | 2,877 |
| Noninterest expense to average assets | 3.3582% | 1,204 |
| Loan and lease loss provision to assets | 0.3353% | 402 |
| Net operating income to assets | 0.4676% | 4,825 |
| Return on assets (ROA) | 0.4676% | 4,829 |
| Pretax return on assets | 0.4676% | 4,962 |
| Return on Equity (ROE) | 3.7707% | 4,876 |
| Retained earnings to average equity (ytd only) | -0.0292% | 4,962 |
| Net charge-offs to loans | -0.1397% | 5,252 |
| Credit loss provision to net charge-offs | -370.0000% | 4,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7056% | 937 |
| Assets per employee ($millions) | 3.6181% | 4,442 |
| Cash dividends to net income (ytd only)* | 100.7752% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 2,988 |
| Loan loss allowance to noncurrent loans | 60.5511% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 1.4851% | 898 |
| Noncurrent loans to loans | 1.8971% | 813 |
| Net loans and leases to total assets | 66.1990% | 3,116 |
| Net loans and leases to deposits | 76.0290% | 3,328 |
| Net loans and leases to core deposits | 108.1242% | 1,110 |
| Total domestic deposits to total assets | 87.0707% | 1,810 |
| Equity capital to assets | 12.6566% | 1,460 |
| Core capital (leverage) ratio | 10.1180% | 3,462 |
| Tier 1 risk-based capital ratio | 16.1534% | 2,387 |
| Total risk-based capital ratio | 17.3951% | 2,324 |
| Memoranda: | ||
| Average total assets | $110,355,330 | 4,009 |
| Average earning assets | $95,384,670 | 4,123 |
| Average equity | $13,684,330 | 3,843 |
| Average total loans | $71,602,670 | 3,901 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5209% | 1,802 |
| Cost of funding earning assets | 0.3484% | 4,005 |
| Net interest margin | 4.1725% | 1,238 |
| Noninterest income to average assets | 0.4925% | 2,849 |
| Noninterest expense to average assets | 3.2320% | 1,497 |
| Loan and lease loss provision to assets | 0.6651% | 146 |
| Net operating income to assets | 0.2121% | 5,228 |
| Return on assets (ROA) | 0.2121% | 5,227 |
| Pretax return on assets | 0.2121% | 5,251 |
| Return on Equity (ROE) | 1.7280% | 5,217 |
| Retained earnings to average equity (ytd only) | -5.8869% | 5,246 |
| Net charge-offs to loans | -0.2815% | 5,438 |
| Credit loss provision to net charge-offs | -370.0000% | 3,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6527% | 1,302 |
| Assets per employee ($millions) | 3.7277% | 4,379 |
| Cash dividends to net income (ytd only)* | 440.6780% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 2,975 |
| Loan loss allowance to noncurrent loans | 60.2453% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 1.4477% | 985 |
| Noncurrent loans to loans | 1.9426% | 834 |
| Net loans and leases to total assets | 63.0526% | 3,426 |
| Net loans and leases to deposits | 71.9586% | 3,604 |
| Net loans and leases to core deposits | 99.3365% | 1,738 |
| Total domestic deposits to total assets | 87.6234% | 1,838 |
| Equity capital to assets | 12.1137% | 1,704 |
| Core capital (leverage) ratio | 9.9368% | 3,596 |
| Tier 1 risk-based capital ratio | 15.8327% | 2,544 |
| Total risk-based capital ratio | 17.0725% | 2,491 |
| Memoranda: | ||
| Average total assets | $111,261,000 | 4,043 |
| Average earning assets | $96,441,500 | 4,151 |
| Average equity | $13,657,500 | 3,883 |
| Average total loans | $71,059,000 | 3,945 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5191% | 1,655 |
| Cost of funding earning assets | 0.2945% | 4,196 |
| Net interest margin | 4.2247% | 1,137 |
| Noninterest income to average assets | 0.5884% | 2,502 |
| Noninterest expense to average assets | 3.1244% | 1,788 |
| Loan and lease loss provision to assets | 0.2635% | 692 |
| Net operating income to assets | 0.8943% | 2,744 |
| Return on assets (ROA) | 0.8727% | 2,871 |
| Pretax return on assets | 0.8727% | 4,004 |
| Return on Equity (ROE) | 7.3254% | 3,107 |
| Retained earnings to average equity (ytd only) | 0.0363% | 4,995 |
| Net charge-offs to loans | 0.3481% | 735 |
| Credit loss provision to net charge-offs | 123.9837% | 2,113 |
| Earnings coverage of net charge-offs (x) | 5.4472% | 3,324 |
| Efficiency ratio | 72.9621% | 2,069 |
| Assets per employee ($millions) | 3.9532% | 4,042 |
| Cash dividends to net income (ytd only)* | 99.5050% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8478% | 4,675 |
| Loan loss allowance to noncurrent loans | 1,935.4839% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 5,007 |
| Noncurrent loans to loans | 0.0438% | 4,802 |
| Net loans and leases to total assets | 63.3933% | 3,440 |
| Net loans and leases to deposits | 72.5826% | 3,640 |
| Net loans and leases to core deposits | 100.6426% | 1,664 |
| Total domestic deposits to total assets | 87.3394% | 1,842 |
| Equity capital to assets | 12.4383% | 1,555 |
| Core capital (leverage) ratio | 9.7620% | 3,734 |
| Tier 1 risk-based capital ratio | 16.1961% | 2,362 |
| Total risk-based capital ratio | 17.0906% | 2,444 |
| Memoranda: | ||
| Average total assets | $115,736,000 | 3,967 |
| Average earning assets | $101,191,800 | 4,076 |
| Average equity | $13,787,600 | 3,873 |
| Average total loans | $70,670,400 | 3,946 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3640% | 2,062 |
| Cost of funding earning assets | 0.2978% | 4,155 |
| Net interest margin | 4.0662% | 1,495 |
| Noninterest income to average assets | 0.5903% | 2,532 |
| Noninterest expense to average assets | 3.0484% | 1,963 |
| Loan and lease loss provision to assets | 0.1937% | 990 |
| Net operating income to assets | 0.9117% | 2,967 |
| Return on assets (ROA) | 0.9117% | 3,025 |
| Pretax return on assets | 0.9117% | 3,999 |
| Return on Equity (ROE) | 7.7335% | 3,272 |
| Retained earnings to average equity (ytd only) | 0.5317% | 5,103 |
| Net charge-offs to loans | 0.0094% | 3,391 |
| Credit loss provision to net charge-offs | 3,400.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 193.8981% | 448 |
| Efficiency ratio | 73.3882% | 1,992 |
| Assets per employee ($millions) | 3.9249% | 4,111 |
| Cash dividends to net income (ytd only)* | 93.1251% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 3,972 |
| Loan loss allowance to noncurrent loans | 48.2900% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 1.2845% | 1,254 |
| Noncurrent loans to loans | 2.1042% | 784 |
| Net loans and leases to total assets | 60.4221% | 3,814 |
| Net loans and leases to deposits | 68.9792% | 4,039 |
| Net loans and leases to core deposits | 97.5600% | 1,923 |
| Total domestic deposits to total assets | 87.5946% | 1,583 |
| Equity capital to assets | 12.1463% | 1,875 |
| Core capital (leverage) ratio | 9.7150% | 3,922 |
| Tier 1 risk-based capital ratio | 16.1032% | 2,456 |
| Total risk-based capital ratio | 17.1450% | 2,481 |
| Memoranda: | ||
| Average total assets | $116,997,500 | 3,980 |
| Average earning assets | $102,532,750 | 4,098 |
| Average equity | $13,792,500 | 3,910 |
| Average total loans | $70,645,500 | 3,975 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3384% | 2,006 |
| Cost of funding earning assets | 0.3034% | 4,048 |
| Net interest margin | 4.0350% | 1,499 |
| Noninterest income to average assets | 0.5997% | 2,458 |
| Noninterest expense to average assets | 3.0646% | 1,927 |
| Loan and lease loss provision to assets | 0.1355% | 1,530 |
| Net operating income to assets | 0.9368% | 2,738 |
| Return on assets (ROA) | 0.9368% | 2,794 |
| Pretax return on assets | 0.9368% | 3,805 |
| Return on Equity (ROE) | 8.0252% | 3,018 |
| Retained earnings to average equity (ytd only) | 0.9868% | 4,838 |
| Net charge-offs to loans | 0.0282% | 2,649 |
| Credit loss provision to net charge-offs | 800.0000% | 458 |
| Earnings coverage of net charge-offs (x) | 63.3000% | 916 |
| Efficiency ratio | 74.0786% | 2,004 |
| Assets per employee ($millions) | 3.8670% | 4,175 |
| Cash dividends to net income (ytd only)* | 87.7034% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8766% | 4,730 |
| Loan loss allowance to noncurrent loans | 39.7011% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 1.3266% | 1,228 |
| Noncurrent loans to loans | 2.2081% | 729 |
| Net loans and leases to total assets | 59.5530% | 3,880 |
| Net loans and leases to deposits | 67.8118% | 4,089 |
| Net loans and leases to core deposits | 95.2360% | 2,048 |
| Total domestic deposits to total assets | 87.8210% | 1,549 |
| Equity capital to assets | 11.9290% | 1,976 |
| Core capital (leverage) ratio | 9.3168% | 4,347 |
| Tier 1 risk-based capital ratio | 15.7427% | 2,603 |
| Total risk-based capital ratio | 16.6230% | 2,707 |
| Memoranda: | ||
| Average total assets | $118,056,330 | 3,991 |
| Average earning assets | $103,493,330 | 4,107 |
| Average equity | $13,781,670 | 3,922 |
| Average total loans | $71,034,330 | 3,989 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1764% | 2,354 |
| Cost of funding earning assets | 0.3002% | 4,044 |
| Net interest margin | 3.8762% | 1,867 |
| Noninterest income to average assets | 0.4971% | 3,002 |
| Noninterest expense to average assets | 3.0803% | 1,918 |
| Loan and lease loss provision to assets | 0.1008% | 1,881 |
| Net operating income to assets | 0.6987% | 3,711 |
| Return on assets (ROA) | 0.6987% | 3,749 |
| Pretax return on assets | 0.6987% | 4,453 |
| Return on Equity (ROE) | 6.0496% | 3,886 |
| Retained earnings to average equity (ytd only) | -0.4944% | 4,999 |
| Net charge-offs to loans | 0.0279% | 2,199 |
| Credit loss provision to net charge-offs | 600.0000% | 507 |
| Earnings coverage of net charge-offs (x) | 47.6000% | 932 |
| Efficiency ratio | 79.3939% | 1,442 |
| Assets per employee ($millions) | 4.4124% | 3,306 |
| Cash dividends to net income (ytd only)* | 108.1731% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7756% | 5,124 |
| Loan loss allowance to noncurrent loans | 48.5837% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 0.9430% | 1,949 |
| Noncurrent loans to loans | 1.5964% | 1,217 |
| Net loans and leases to total assets | 58.6106% | 3,923 |
| Net loans and leases to deposits | 66.1868% | 4,159 |
| Net loans and leases to core deposits | 90.7247% | 2,293 |
| Total domestic deposits to total assets | 88.5533% | 1,396 |
| Equity capital to assets | 11.1262% | 2,509 |
| Core capital (leverage) ratio | 9.2817% | 4,370 |
| Tier 1 risk-based capital ratio | 15.1241% | 2,912 |
| Total risk-based capital ratio | 15.9136% | 3,059 |
| Memoranda: | ||
| Average total assets | $119,079,000 | 4,013 |
| Average earning assets | $103,917,000 | 4,133 |
| Average equity | $13,753,000 | 3,953 |
| Average total loans | $71,702,000 | 4,012 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1928% | 2,510 |
| Cost of funding earning assets | 0.3378% | 3,657 |
| Net interest margin | 3.8550% | 2,115 |
| Noninterest income to average assets | 0.6234% | 2,539 |
| Noninterest expense to average assets | 3.0284% | 2,268 |
| Loan and lease loss provision to assets | 0.1003% | 2,375 |
| Net operating income to assets | 0.9276% | 2,692 |
| Return on assets (ROA) | 0.9117% | 2,873 |
| Pretax return on assets | 0.9117% | 3,803 |
| Return on Equity (ROE) | 7.9954% | 2,937 |
| Retained earnings to average equity (ytd only) | 1.3997% | 4,709 |
| Net charge-offs to loans | 0.1940% | 1,429 |
| Credit loss provision to net charge-offs | 86.3309% | 2,866 |
| Earnings coverage of net charge-offs (x) | 8.8489% | 2,828 |
| Efficiency ratio | 74.6601% | 2,189 |
| Assets per employee ($millions) | 4.0933% | 3,801 |
| Cash dividends to net income (ytd only)* | 82.4931% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7682% | 5,188 |
| Loan loss allowance to noncurrent loans | 46.9211% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 1.0060% | 1,882 |
| Noncurrent loans to loans | 1.6372% | 1,190 |
| Net loans and leases to total assets | 60.9762% | 3,735 |
| Net loans and leases to deposits | 69.4678% | 3,962 |
| Net loans and leases to core deposits | 98.3673% | 1,745 |
| Total domestic deposits to total assets | 87.7761% | 1,757 |
| Equity capital to assets | 12.0057% | 1,802 |
| Core capital (leverage) ratio | 9.4935% | 4,094 |
| Tier 1 risk-based capital ratio | 15.7993% | 2,631 |
| Total risk-based capital ratio | 16.5864% | 2,754 |
| Memoranda: | ||
| Average total assets | $119,668,600 | 4,006 |
| Average earning assets | $106,563,400 | 4,066 |
| Average equity | $13,645,400 | 4,001 |
| Average total loans | $71,634,200 | 4,004 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1552% | 2,664 |
| Cost of funding earning assets | 0.3509% | 3,527 |
| Net interest margin | 3.8043% | 2,315 |
| Noninterest income to average assets | 0.4983% | 3,261 |
| Noninterest expense to average assets | 2.9613% | 2,427 |
| Loan and lease loss provision to assets | 0.0992% | 2,243 |
| Net operating income to assets | 0.8445% | 3,180 |
| Return on assets (ROA) | 0.8445% | 3,294 |
| Pretax return on assets | 0.8445% | 4,175 |
| Return on Equity (ROE) | 7.5004% | 3,298 |
| Retained earnings to average equity (ytd only) | 0.8910% | 5,117 |
| Net charge-offs to loans | 0.2243% | 1,047 |
| Credit loss provision to net charge-offs | 74.3802% | 2,734 |
| Earnings coverage of net charge-offs (x) | 7.0743% | 2,923 |
| Efficiency ratio | 75.8329% | 1,999 |
| Assets per employee ($millions) | 3.9796% | 4,002 |
| Cash dividends to net income (ytd only)* | 88.1202% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7414% | 5,334 |
| Loan loss allowance to noncurrent loans | 41.5228% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 1.3728% | 1,363 |
| Noncurrent loans to loans | 1.7856% | 1,161 |
| Net loans and leases to total assets | 59.3205% | 3,966 |
| Net loans and leases to deposits | 67.2015% | 4,227 |
| Net loans and leases to core deposits | 94.8758% | 2,116 |
| Total domestic deposits to total assets | 88.2726% | 1,251 |
| Equity capital to assets | 11.4694% | 2,536 |
| Core capital (leverage) ratio | 9.2803% | 4,483 |
| Tier 1 risk-based capital ratio | 15.1054% | 2,995 |
| Total risk-based capital ratio | 15.8481% | 3,176 |
| Memoranda: | ||
| Average total assets | $120,932,750 | 3,995 |
| Average earning assets | $108,295,250 | 4,062 |
| Average equity | $13,616,750 | 4,039 |
| Average total loans | $71,936,000 | 4,022 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1183% | 2,789 |
| Cost of funding earning assets | 0.3554% | 3,507 |
| Net interest margin | 3.7629% | 2,464 |
| Noninterest income to average assets | 0.4907% | 3,258 |
| Noninterest expense to average assets | 2.9626% | 2,476 |
| Loan and lease loss provision to assets | 0.0988% | 2,185 |
| Net operating income to assets | 0.8119% | 3,256 |
| Return on assets (ROA) | 0.8119% | 3,387 |
| Pretax return on assets | 0.8119% | 4,238 |
| Return on Equity (ROE) | 7.2546% | 3,394 |
| Retained earnings to average equity (ytd only) | 0.6328% | 5,119 |
| Net charge-offs to loans | 0.3022% | 787 |
| Credit loss provision to net charge-offs | 55.0459% | 2,629 |
| Earnings coverage of net charge-offs (x) | 5.0734% | 2,897 |
| Efficiency ratio | 76.4881% | 2,010 |
| Assets per employee ($millions) | 4.0935% | 3,747 |
| Cash dividends to net income (ytd only)* | 91.2779% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7083% | 5,501 |
| Loan loss allowance to noncurrent loans | 44.2808% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 1.2956% | 1,561 |
| Noncurrent loans to loans | 1.5995% | 1,340 |
| Net loans and leases to total assets | 60.3440% | 3,837 |
| Net loans and leases to deposits | 68.3423% | 4,150 |
| Net loans and leases to core deposits | 98.9502% | 1,729 |
| Total domestic deposits to total assets | 88.2968% | 1,278 |
| Equity capital to assets | 11.4850% | 2,565 |
| Core capital (leverage) ratio | 9.0715% | 4,749 |
| Tier 1 risk-based capital ratio | 14.9559% | 3,095 |
| Total risk-based capital ratio | 15.6695% | 3,298 |
| Memoranda: | ||
| Average total assets | $121,448,000 | 4,019 |
| Average earning assets | $109,170,670 | 4,077 |
| Average equity | $13,591,330 | 4,058 |
| Average total loans | $72,131,330 | 4,038 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0662% | 2,978 |
| Cost of funding earning assets | 0.3539% | 3,560 |
| Net interest margin | 3.7123% | 2,617 |
| Noninterest income to average assets | 0.4592% | 3,424 |
| Noninterest expense to average assets | 2.9442% | 2,561 |
| Loan and lease loss provision to assets | 0.1954% | 1,011 |
| Net operating income to assets | 0.6677% | 3,884 |
| Return on assets (ROA) | 0.6677% | 4,006 |
| Pretax return on assets | 0.6677% | 4,629 |
| Return on Equity (ROE) | 6.0427% | 3,967 |
| Retained earnings to average equity (ytd only) | -0.5895% | 5,218 |
| Net charge-offs to loans | 0.6378% | 344 |
| Credit loss provision to net charge-offs | 52.1739% | 2,032 |
| Earnings coverage of net charge-offs (x) | 2.3043% | 2,706 |
| Efficiency ratio | 77.3311% | 1,989 |
| Assets per employee ($millions) | 4.3510% | 3,323 |
| Cash dividends to net income (ytd only)* | 109.7561% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6933% | 5,606 |
| Loan loss allowance to noncurrent loans | 43.2734% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 1.2731% | 1,696 |
| Noncurrent loans to loans | 1.6020% | 1,443 |
| Net loans and leases to total assets | 59.3793% | 3,864 |
| Net loans and leases to deposits | 66.9759% | 4,157 |
| Net loans and leases to core deposits | 96.0155% | 1,793 |
| Total domestic deposits to total assets | 88.6577% | 1,271 |
| Equity capital to assets | 11.1305% | 2,795 |
| Core capital (leverage) ratio | 8.9230% | 4,944 |
| Tier 1 risk-based capital ratio | 14.4200% | 3,435 |
| Total risk-based capital ratio | 15.1039% | 3,720 |
| Memoranda: | ||
| Average total assets | $122,816,500 | 4,030 |
| Average earning assets | $110,767,500 | 4,076 |
| Average equity | $13,570,000 | 4,067 |
| Average total loans | $72,124,000 | 4,064 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1637% | 2,694 |
| Cost of funding earning assets | 0.3907% | 3,256 |
| Net interest margin | 3.7730% | 2,466 |
| Noninterest income to average assets | 0.4445% | 3,711 |
| Noninterest expense to average assets | 2.8834% | 2,921 |
| Loan and lease loss provision to assets | 0.0426% | 3,482 |
| Net operating income to assets | 0.8984% | 2,880 |
| Return on assets (ROA) | 0.8984% | 2,958 |
| Pretax return on assets | 0.8984% | 3,841 |
| Return on Equity (ROE) | 7.7952% | 3,077 |
| Retained earnings to average equity (ytd only) | 1.1453% | 5,058 |
| Net charge-offs to loans | 0.2792% | 1,091 |
| Credit loss provision to net charge-offs | 25.0000% | 3,707 |
| Earnings coverage of net charge-offs (x) | 5.5250% | 3,374 |
| Efficiency ratio | 75.3952% | 2,369 |
| Assets per employee ($millions) | 4.5854% | 2,906 |
| Cash dividends to net income (ytd only)* | 85.3081% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7843% | 5,449 |
| Loan loss allowance to noncurrent loans | 33.5129% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 1.4830% | 1,370 |
| Noncurrent loans to loans | 2.3402% | 816 |
| Net loans and leases to total assets | 57.2210% | 4,169 |
| Net loans and leases to deposits | 64.4016% | 4,436 |
| Net loans and leases to core deposits | 91.9931% | 2,223 |
| Total domestic deposits to total assets | 88.8503% | 1,202 |
| Equity capital to assets | 10.9688% | 2,852 |
| Core capital (leverage) ratio | 8.7992% | 5,110 |
| Tier 1 risk-based capital ratio | 14.9519% | 3,200 |
| Total risk-based capital ratio | 15.7367% | 3,363 |
| Memoranda: | ||
| Average total assets | $117,429,400 | 4,108 |
| Average earning assets | $105,195,200 | 4,161 |
| Average equity | $13,534,000 | 4,043 |
| Average total loans | $71,645,800 | 4,052 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2290% | 2,487 |
| Cost of funding earning assets | 0.4001% | 3,223 |
| Net interest margin | 3.8288% | 2,273 |
| Noninterest income to average assets | 0.5111% | 3,291 |
| Noninterest expense to average assets | 2.9581% | 2,646 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9784% | 2,583 |
| Return on assets (ROA) | 0.9784% | 2,661 |
| Pretax return on assets | 0.9784% | 3,702 |
| Return on Equity (ROE) | 8.3809% | 2,887 |
| Retained earnings to average equity (ytd only) | 1.7255% | 5,011 |
| Net charge-offs to loans | 0.2622% | 1,007 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 6.0282% | 3,115 |
| Efficiency ratio | 75.1462% | 2,383 |
| Assets per employee ($millions) | 4.5301% | 2,950 |
| Cash dividends to net income (ytd only)* | 79.4116% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7951% | 5,527 |
| Loan loss allowance to noncurrent loans | 131.1060% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.6312% | 3,372 |
| Noncurrent loans to loans | 0.6064% | 3,497 |
| Net loans and leases to total assets | 58.0445% | 4,135 |
| Net loans and leases to deposits | 65.5102% | 4,427 |
| Net loans and leases to core deposits | 97.3602% | 1,755 |
| Total domestic deposits to total assets | 88.6038% | 1,236 |
| Equity capital to assets | 11.1378% | 2,867 |
| Core capital (leverage) ratio | 9.1198% | 4,850 |
| Tier 1 risk-based capital ratio | 14.4953% | 3,575 |
| Total risk-based capital ratio | 15.2670% | 3,780 |
| Memoranda: | ||
| Average total assets | $115,835,250 | 4,183 |
| Average earning assets | $103,631,750 | 4,248 |
| Average equity | $13,522,500 | 4,090 |
| Average total loans | $71,706,500 | 4,092 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3128% | 2,128 |
| Cost of funding earning assets | 0.4028% | 3,249 |
| Net interest margin | 3.9100% | 1,939 |
| Noninterest income to average assets | 0.5049% | 3,339 |
| Noninterest expense to average assets | 3.0261% | 2,476 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9624% | 2,573 |
| Return on assets (ROA) | 0.9624% | 2,685 |
| Pretax return on assets | 0.9624% | 3,728 |
| Return on Equity (ROE) | 8.1103% | 2,985 |
| Retained earnings to average equity (ytd only) | 1.4382% | 4,974 |
| Net charge-offs to loans | 0.1143% | 1,863 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 13.3415% | 2,139 |
| Efficiency ratio | 75.8712% | 2,382 |
| Assets per employee ($millions) | 4.8274% | 2,507 |
| Cash dividends to net income (ytd only)* | 82.2669% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9555% | 5,077 |
| Loan loss allowance to noncurrent loans | 102.1374% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 0.7811% | 3,044 |
| Noncurrent loans to loans | 0.9355% | 2,790 |
| Net loans and leases to total assets | 59.8552% | 3,858 |
| Net loans and leases to deposits | 67.9513% | 4,140 |
| Net loans and leases to core deposits | 99.8416% | 1,504 |
| Total domestic deposits to total assets | 88.0854% | 1,606 |
| Equity capital to assets | 11.6971% | 2,252 |
| Core capital (leverage) ratio | 9.2194% | 4,663 |
| Tier 1 risk-based capital ratio | 15.0422% | 3,337 |
| Total risk-based capital ratio | 15.9906% | 3,432 |
| Memoranda: | ||
| Average total assets | $113,676,000 | 4,262 |
| Average earning assets | $101,280,000 | 4,341 |
| Average equity | $13,489,000 | 4,125 |
| Average total loans | $71,753,670 | 4,117 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3663% | 1,884 |
| Cost of funding earning assets | 0.3955% | 3,358 |
| Net interest margin | 3.9708% | 1,651 |
| Noninterest income to average assets | 0.5152% | 3,185 |
| Noninterest expense to average assets | 3.0981% | 2,279 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9486% | 2,519 |
| Return on assets (ROA) | 0.9486% | 2,653 |
| Pretax return on assets | 0.9486% | 3,699 |
| Return on Equity (ROE) | 7.9361% | 2,985 |
| Retained earnings to average equity (ytd only) | 1.2484% | 4,988 |
| Net charge-offs to loans | 0.2313% | 1,026 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.3571% | 2,302 |
| Efficiency ratio | 76.5584% | 2,417 |
| Assets per employee ($millions) | 3.8917% | 4,180 |
| Cash dividends to net income (ytd only)* | 84.2697% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9413% | 5,288 |
| Loan loss allowance to noncurrent loans | 878.9474% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.3640% | 4,553 |
| Noncurrent loans to loans | 0.1071% | 5,376 |
| Net loans and leases to total assets | 60.2140% | 3,622 |
| Net loans and leases to deposits | 68.3038% | 3,929 |
| Net loans and leases to core deposits | 99.6202% | 1,347 |
| Total domestic deposits to total assets | 88.1561% | 1,730 |
| Equity capital to assets | 11.5484% | 2,422 |
| Core capital (leverage) ratio | 9.4951% | 4,285 |
| Tier 1 risk-based capital ratio | 14.8411% | 3,520 |
| Total risk-based capital ratio | 15.7804% | 3,632 |
| Memoranda: | ||
| Average total assets | $112,585,000 | 4,320 |
| Average earning assets | $100,130,000 | 4,396 |
| Average equity | $13,457,500 | 4,161 |
| Average total loans | $72,622,500 | 4,111 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9333% | 870 |
| Cost of funding earning assets | 0.5176% | 2,510 |
| Net interest margin | 4.4156% | 864 |
| Noninterest income to average assets | 0.4428% | 3,881 |
| Noninterest expense to average assets | 3.1085% | 2,485 |
| Loan and lease loss provision to assets | 0.2312% | 1,050 |
| Net operating income to assets | 0.9945% | 2,412 |
| Return on assets (ROA) | 1.0070% | 2,433 |
| Pretax return on assets | 1.0070% | 3,468 |
| Return on Equity (ROE) | 8.5050% | 2,832 |
| Retained earnings to average equity (ytd only) | 1.7191% | 4,960 |
| Net charge-offs to loans | 0.3444% | 1,273 |
| Credit loss provision to net charge-offs | 98.1061% | 2,467 |
| Earnings coverage of net charge-offs (x) | 5.2008% | 3,480 |
| Efficiency ratio | 71.7199% | 3,251 |
| Assets per employee ($millions) | 3.7386% | 4,462 |
| Cash dividends to net income (ytd only)* | 79.7872% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9559% | 5,268 |
| Loan loss allowance to noncurrent loans | 100.9957% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 0.9233% | 2,904 |
| Noncurrent loans to loans | 0.9465% | 2,961 |
| Net loans and leases to total assets | 67.8540% | 2,578 |
| Net loans and leases to deposits | 77.6553% | 3,012 |
| Net loans and leases to core deposits | 105.6512% | 1,035 |
| Total domestic deposits to total assets | 87.3785% | 2,095 |
| Equity capital to assets | 12.3891% | 1,710 |
| Core capital (leverage) ratio | 9.6105% | 4,079 |
| Tier 1 risk-based capital ratio | 13.0770% | 4,676 |
| Total risk-based capital ratio | 13.9621% | 4,822 |
| Memoranda: | ||
| Average total assets | $112,017,200 | 4,344 |
| Average earning assets | $98,717,800 | 4,430 |
| Average equity | $13,262,800 | 4,142 |
| Average total loans | $76,647,600 | 3,981 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9666% | 814 |
| Cost of funding earning assets | 0.5513% | 2,276 |
| Net interest margin | 4.4154% | 869 |
| Noninterest income to average assets | 0.3991% | 4,251 |
| Noninterest expense to average assets | 2.9626% | 2,926 |
| Loan and lease loss provision to assets | 0.3058% | 634 |
| Net operating income to assets | 1.0178% | 2,374 |
| Return on assets (ROA) | 1.0344% | 2,366 |
| Pretax return on assets | 1.0344% | 3,451 |
| Return on Equity (ROE) | 8.8345% | 2,767 |
| Retained earnings to average equity (ytd only) | 2.0271% | 5,036 |
| Net charge-offs to loans | 0.4592% | 854 |
| Credit loss provision to net charge-offs | 97.3684% | 2,294 |
| Earnings coverage of net charge-offs (x) | 4.2143% | 3,513 |
| Efficiency ratio | 69.1185% | 3,657 |
| Assets per employee ($millions) | 3.9673% | 3,954 |
| Cash dividends to net income (ytd only)* | 77.0551% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 5,457 |
| Loan loss allowance to noncurrent loans | 124.2105% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.7336% | 3,618 |
| Noncurrent loans to loans | 0.7592% | 3,705 |
| Net loans and leases to total assets | 64.6412% | 3,082 |
| Net loans and leases to deposits | 73.4166% | 3,505 |
| Net loans and leases to core deposits | 105.4399% | 990 |
| Total domestic deposits to total assets | 88.0471% | 1,734 |
| Equity capital to assets | 11.6347% | 2,370 |
| Core capital (leverage) ratio | 9.0430% | 5,016 |
| Tier 1 risk-based capital ratio | 12.8608% | 4,944 |
| Total risk-based capital ratio | 13.7311% | 5,114 |
| Memoranda: | ||
| Average total assets | $112,917,000 | 4,361 |
| Average earning assets | $99,407,500 | 4,449 |
| Average equity | $13,220,500 | 4,177 |
| Average total loans | $77,240,500 | 3,984 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0004% | 749 |
| Cost of funding earning assets | 0.5793% | 2,073 |
| Net interest margin | 4.4211% | 817 |
| Noninterest income to average assets | 0.4723% | 3,691 |
| Noninterest expense to average assets | 2.9553% | 2,981 |
| Loan and lease loss provision to assets | 0.4617% | 338 |
| Net operating income to assets | 0.9322% | 2,639 |
| Return on assets (ROA) | 0.9197% | 2,806 |
| Pretax return on assets | 0.9197% | 3,808 |
| Return on Equity (ROE) | 7.8388% | 3,191 |
| Retained earnings to average equity (ytd only) | 1.0026% | 5,356 |
| Net charge-offs to loans | 0.6029% | 666 |
| Credit loss provision to net charge-offs | 110.2128% | 1,823 |
| Earnings coverage of net charge-offs (x) | 3.3277% | 3,341 |
| Efficiency ratio | 67.9508% | 4,018 |
| Assets per employee ($millions) | 3.9013% | 4,058 |
| Cash dividends to net income (ytd only)* | 87.2093% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 5,468 |
| Loan loss allowance to noncurrent loans | 338.9908% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.5604% | 4,308 |
| Noncurrent loans to loans | 0.2872% | 5,162 |
| Net loans and leases to total assets | 66.4484% | 2,684 |
| Net loans and leases to deposits | 75.5651% | 3,115 |
| Net loans and leases to core deposits | 103.1106% | 1,073 |
| Total domestic deposits to total assets | 87.9352% | 1,938 |
| Equity capital to assets | 11.7431% | 2,211 |
| Core capital (leverage) ratio | 9.5824% | 4,203 |
| Tier 1 risk-based capital ratio | 12.6597% | 5,113 |
| Total risk-based capital ratio | 13.5656% | 5,270 |
| Memoranda: | ||
| Average total assets | $112,205,330 | 4,407 |
| Average earning assets | $98,391,330 | 4,513 |
| Average equity | $13,165,330 | 4,192 |
| Average total loans | $77,961,000 | 3,975 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0494% | 656 |
| Cost of funding earning assets | 0.5950% | 2,015 |
| Net interest margin | 4.4544% | 719 |
| Noninterest income to average assets | 0.4976% | 3,431 |
| Noninterest expense to average assets | 2.9318% | 3,110 |
| Loan and lease loss provision to assets | 0.8914% | 128 |
| Net operating income to assets | 0.5871% | 4,253 |
| Return on assets (ROA) | 0.5871% | 4,328 |
| Pretax return on assets | 0.5871% | 4,873 |
| Return on Equity (ROE) | 5.0057% | 4,553 |
| Retained earnings to average equity (ytd only) | -1.8619% | 5,846 |
| Net charge-offs to loans | 1.2205% | 274 |
| Credit loss provision to net charge-offs | 103.3195% | 1,614 |
| Earnings coverage of net charge-offs (x) | 1.7137% | 3,033 |
| Efficiency ratio | 66.4773% | 4,452 |
| Assets per employee ($millions) | 3.8170% | 4,287 |
| Cash dividends to net income (ytd only)* | 137.1951% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9130% | 5,831 |
| Loan loss allowance to noncurrent loans | 1,338.8889% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 4,723 |
| Noncurrent loans to loans | 0.0682% | 5,935 |
| Net loans and leases to total assets | 70.8880% | 1,741 |
| Net loans and leases to deposits | 80.7267% | 2,199 |
| Net loans and leases to core deposits | 111.4333% | 528 |
| Total domestic deposits to total assets | 87.8122% | 2,330 |
| Equity capital to assets | 11.8165% | 2,003 |
| Core capital (leverage) ratio | 9.3587% | 4,492 |
| Tier 1 risk-based capital ratio | 11.9322% | 5,685 |
| Total risk-based capital ratio | 12.7780% | 5,851 |
| Memoranda: | ||
| Average total assets | $111,738,500 | 4,452 |
| Average earning assets | $98,149,500 | 4,560 |
| Average equity | $13,105,000 | 4,218 |
| Average total loans | $78,982,500 | 3,970 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6731% | 1,645 |
| Cost of funding earning assets | 0.7855% | 1,288 |
| Net interest margin | 3.8876% | 2,335 |
| Noninterest income to average assets | 0.5757% | 3,244 |
| Noninterest expense to average assets | 2.8130% | 3,681 |
| Loan and lease loss provision to assets | 0.0848% | 3,417 |
| Net operating income to assets | 1.0706% | 2,035 |
| Return on assets (ROA) | 1.0706% | 2,117 |
| Pretax return on assets | 1.0706% | 3,066 |
| Return on Equity (ROE) | 10.1782% | 2,039 |
| Retained earnings to average equity (ytd only) | 2.9859% | 4,117 |
| Net charge-offs to loans | 0.2801% | 2,298 |
| Credit loss provision to net charge-offs | 49.7630% | 3,825 |
| Earnings coverage of net charge-offs (x) | 6.7820% | 2,988 |
| Efficiency ratio | 70.8850% | 3,687 |
| Assets per employee ($millions) | 3.8891% | 4,090 |
| Cash dividends to net income (ytd only)* | 70.6637% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9077% | 5,899 |
| Loan loss allowance to noncurrent loans | 81.0658% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 1.1438% | 3,108 |
| Noncurrent loans to loans | 1.1197% | 3,297 |
| Net loans and leases to total assets | 69.2111% | 2,142 |
| Net loans and leases to deposits | 78.6124% | 2,647 |
| Net loans and leases to core deposits | 110.5245% | 591 |
| Total domestic deposits to total assets | 88.0409% | 2,153 |
| Equity capital to assets | 11.6417% | 2,070 |
| Core capital (leverage) ratio | 9.0899% | 4,876 |
| Tier 1 risk-based capital ratio | 12.1347% | 5,535 |
| Total risk-based capital ratio | 12.9803% | 5,718 |
| Memoranda: | ||
| Average total assets | $123,851,400 | 4,187 |
| Average earning assets | $108,087,600 | 4,310 |
| Average equity | $13,027,800 | 4,261 |
| Average total loans | $75,327,400 | 4,084 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5959% | 1,919 |
| Cost of funding earning assets | 0.8088% | 1,277 |
| Net interest margin | 3.7870% | 2,689 |
| Noninterest income to average assets | 0.5770% | 3,290 |
| Noninterest expense to average assets | 2.6252% | 4,301 |
| Loan and lease loss provision to assets | 0.1106% | 2,923 |
| Net operating income to assets | 1.1446% | 1,835 |
| Return on assets (ROA) | 1.1446% | 1,906 |
| Pretax return on assets | 1.1446% | 2,924 |
| Return on Equity (ROE) | 11.1465% | 1,773 |
| Retained earnings to average equity (ytd only) | 3.8351% | 3,956 |
| Net charge-offs to loans | 0.0215% | 4,696 |
| Credit loss provision to net charge-offs | 875.0000% | 345 |
| Earnings coverage of net charge-offs (x) | 99.3306% | 501 |
| Efficiency ratio | 67.6526% | 4,159 |
| Assets per employee ($millions) | 4.2688% | 3,287 |
| Cash dividends to net income (ytd only)* | 65.5930% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 4,910 |
| Loan loss allowance to noncurrent loans | 667.1533% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.3514% | 5,356 |
| Noncurrent loans to loans | 0.1784% | 5,795 |
| Net loans and leases to total assets | 61.3017% | 3,476 |
| Net loans and leases to deposits | 68.8785% | 3,952 |
| Net loans and leases to core deposits | 107.9686% | 671 |
| Total domestic deposits to total assets | 88.9996% | 1,550 |
| Equity capital to assets | 10.5779% | 3,187 |
| Core capital (leverage) ratio | 8.2013% | 6,058 |
| Tier 1 risk-based capital ratio | 12.1104% | 5,714 |
| Total risk-based capital ratio | 13.1907% | 5,749 |
| Memoranda: | ||
| Average total assets | $126,618,250 | 4,185 |
| Average earning assets | $110,444,500 | 4,292 |
| Average equity | $13,002,250 | 4,309 |
| Average total loans | $74,465,750 | 4,129 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5893% | 1,882 |
| Cost of funding earning assets | 0.8252% | 1,283 |
| Net interest margin | 3.7641% | 2,697 |
| Noninterest income to average assets | 0.5833% | 3,300 |
| Noninterest expense to average assets | 2.5416% | 4,587 |
| Loan and lease loss provision to assets | 0.1411% | 2,567 |
| Net operating income to assets | 1.1618% | 1,691 |
| Return on assets (ROA) | 1.1618% | 1,806 |
| Pretax return on assets | 1.1618% | 2,832 |
| Return on Equity (ROE) | 11.4252% | 1,668 |
| Retained earnings to average equity (ytd only) | 3.9163% | 3,800 |
| Net charge-offs to loans | 0.0760% | 3,625 |
| Credit loss provision to net charge-offs | 321.4286% | 810 |
| Earnings coverage of net charge-offs (x) | 29.6786% | 1,155 |
| Efficiency ratio | 66.1093% | 4,531 |
| Assets per employee ($millions) | 4.2034% | 3,347 |
| Cash dividends to net income (ytd only)* | 65.7220% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1593% | 5,194 |
| Loan loss allowance to noncurrent loans | 538.4146% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.2213% | 5,830 |
| Noncurrent loans to loans | 0.2153% | 5,765 |
| Net loans and leases to total assets | 59.6990% | 3,714 |
| Net loans and leases to deposits | 66.8790% | 4,166 |
| Net loans and leases to core deposits | 104.1937% | 835 |
| Total domestic deposits to total assets | 89.2642% | 1,472 |
| Equity capital to assets | 10.3560% | 3,484 |
| Core capital (leverage) ratio | 8.2311% | 5,981 |
| Tier 1 risk-based capital ratio | 11.9932% | 5,796 |
| Total risk-based capital ratio | 13.0391% | 5,870 |
| Memoranda: | ||
| Average total assets | $127,559,000 | 4,192 |
| Average earning assets | $110,518,000 | 4,323 |
| Average equity | $12,971,330 | 4,348 |
| Average total loans | $73,686,670 | 4,184 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4242% | 2,441 |
| Cost of funding earning assets | 0.8284% | 1,377 |
| Net interest margin | 3.5958% | 3,280 |
| Noninterest income to average assets | 0.5987% | 3,146 |
| Noninterest expense to average assets | 2.4944% | 4,777 |
| Loan and lease loss provision to assets | 0.1403% | 2,486 |
| Net operating income to assets | 1.0632% | 1,982 |
| Return on assets (ROA) | 1.0632% | 2,096 |
| Pretax return on assets | 1.0632% | 3,096 |
| Return on Equity (ROE) | 10.5512% | 1,857 |
| Retained earnings to average equity (ytd only) | 2.4135% | 4,822 |
| Net charge-offs to loans | 0.1380% | 2,578 |
| Credit loss provision to net charge-offs | 180.0000% | 1,182 |
| Earnings coverage of net charge-offs (x) | 15.4400% | 1,402 |
| Efficiency ratio | 67.4536% | 4,423 |
| Assets per employee ($millions) | 4.2481% | 3,438 |
| Cash dividends to net income (ytd only)* | 77.1261% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 5,373 |
| Loan loss allowance to noncurrent loans | 627.6119% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.1954% | 5,983 |
| Noncurrent loans to loans | 0.1845% | 5,943 |
| Net loans and leases to total assets | 56.3287% | 4,040 |
| Net loans and leases to deposits | 62.9815% | 4,426 |
| Net loans and leases to core deposits | 96.3209% | 1,185 |
| Total domestic deposits to total assets | 89.4368% | 1,393 |
| Equity capital to assets | 10.1716% | 3,930 |
| Core capital (leverage) ratio | 8.0201% | 6,123 |
| Tier 1 risk-based capital ratio | 11.7412% | 6,067 |
| Total risk-based capital ratio | 12.7336% | 6,169 |
| Memoranda: | ||
| Average total assets | $128,288,000 | 4,217 |
| Average earning assets | $110,574,500 | 4,360 |
| Average equity | $12,927,500 | 4,394 |
| Average total loans | $72,448,000 | 4,253 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2339% | 1,052 |
| Cost of funding earning assets | 0.9732% | 1,505 |
| Net interest margin | 4.2607% | 1,492 |
| Noninterest income to average assets | 0.5983% | 3,285 |
| Noninterest expense to average assets | 2.7857% | 4,079 |
| Loan and lease loss provision to assets | 0.1635% | 3,570 |
| Net operating income to assets | 1.2277% | 1,510 |
| Return on assets (ROA) | 1.2277% | 1,676 |
| Pretax return on assets | 1.2277% | 2,691 |
| Return on Equity (ROE) | 11.7760% | 1,569 |
| Retained earnings to average equity (ytd only) | 3.5438% | 3,722 |
| Net charge-offs to loans | 0.2746% | 3,283 |
| Credit loss provision to net charge-offs | 96.1538% | 3,223 |
| Earnings coverage of net charge-offs (x) | 8.1827% | 2,461 |
| Efficiency ratio | 66.6928% | 4,379 |
| Assets per employee ($millions) | 4.3044% | 3,349 |
| Cash dividends to net income (ytd only)* | 69.9068% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 5,406 |
| Loan loss allowance to noncurrent loans | 1,642.0000% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 6,252 |
| Noncurrent loans to loans | 0.0692% | 6,315 |
| Net loans and leases to total assets | 55.3282% | 4,404 |
| Net loans and leases to deposits | 61.6826% | 4,819 |
| Net loans and leases to core deposits | 96.0968% | 1,294 |
| Total domestic deposits to total assets | 89.6982% | 1,128 |
| Equity capital to assets | 9.9835% | 4,195 |
| Core capital (leverage) ratio | 7.7384% | 6,382 |
| Tier 1 risk-based capital ratio | 11.8237% | 5,891 |
| Total risk-based capital ratio | 12.8069% | 6,023 |
| Memoranda: | ||
| Average total assets | $122,339,800 | 4,306 |
| Average earning assets | $102,753,200 | 4,525 |
| Average equity | $12,754,800 | 4,409 |
| Average total loans | $75,757,000 | 4,160 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3739% | 879 |
| Cost of funding earning assets | 1.0085% | 1,505 |
| Net interest margin | 4.3654% | 1,307 |
| Noninterest income to average assets | 0.5659% | 3,504 |
| Noninterest expense to average assets | 2.6745% | 4,479 |
| Loan and lease loss provision to assets | 0.1989% | 3,091 |
| Net operating income to assets | 1.3328% | 1,370 |
| Return on assets (ROA) | 1.3328% | 1,506 |
| Pretax return on assets | 1.3328% | 2,484 |
| Return on Equity (ROE) | 12.6407% | 1,429 |
| Retained earnings to average equity (ytd only) | 4.3813% | 3,806 |
| Net charge-offs to loans | 0.2210% | 3,400 |
| Credit loss provision to net charge-offs | 141.7323% | 2,036 |
| Earnings coverage of net charge-offs (x) | 10.9133% | 2,132 |
| Efficiency ratio | 63.5838% | 4,875 |
| Assets per employee ($millions) | 4.2679% | 3,340 |
| Cash dividends to net income (ytd only)* | 65.3399% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 5,299 |
| Loan loss allowance to noncurrent loans | 245.0000% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.7232% | 4,879 |
| Noncurrent loans to loans | 0.4885% | 5,470 |
| Net loans and leases to total assets | 56.8628% | 4,319 |
| Net loans and leases to deposits | 63.5333% | 4,774 |
| Net loans and leases to core deposits | 95.1862% | 1,469 |
| Total domestic deposits to total assets | 89.5008% | 1,126 |
| Equity capital to assets | 10.1079% | 4,342 |
| Core capital (leverage) ratio | 8.0680% | 6,266 |
| Tier 1 risk-based capital ratio | 11.4104% | 6,284 |
| Total risk-based capital ratio | 12.4330% | 6,374 |
| Memoranda: | ||
| Average total assets | $120,641,500 | 4,387 |
| Average earning assets | $100,607,250 | 4,630 |
| Average equity | $12,720,500 | 4,459 |
| Average total loans | $76,629,250 | 4,181 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6106% | 568 |
| Cost of funding earning assets | 1.0815% | 1,304 |
| Net interest margin | 4.5291% | 945 |
| Noninterest income to average assets | 0.5619% | 3,513 |
| Noninterest expense to average assets | 2.7011% | 4,421 |
| Loan and lease loss provision to assets | 0.2031% | 3,048 |
| Net operating income to assets | 1.3573% | 1,291 |
| Return on assets (ROA) | 1.3573% | 1,449 |
| Pretax return on assets | 1.3573% | 2,361 |
| Return on Equity (ROE) | 12.6832% | 1,449 |
| Retained earnings to average equity (ytd only) | 4.3806% | 3,705 |
| Net charge-offs to loans | 0.2654% | 2,991 |
| Credit loss provision to net charge-offs | 116.5049% | 2,363 |
| Earnings coverage of net charge-offs (x) | 8.9515% | 2,225 |
| Efficiency ratio | 63.3836% | 5,012 |
| Assets per employee ($millions) | 3.8583% | 4,171 |
| Cash dividends to net income (ytd only)* | 65.4613% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1010% | 5,769 |
| Loan loss allowance to noncurrent loans | 854.5455% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.5667% | 5,342 |
| Noncurrent loans to loans | 0.1288% | 6,342 |
| Net loans and leases to total assets | 65.6510% | 2,743 |
| Net loans and leases to deposits | 74.1817% | 3,262 |
| Net loans and leases to core deposits | 102.2828% | 962 |
| Total domestic deposits to total assets | 88.5002% | 1,817 |
| Equity capital to assets | 11.0341% | 3,079 |
| Core capital (leverage) ratio | 8.3268% | 5,874 |
| Tier 1 risk-based capital ratio | 10.8947% | 6,544 |
| Total risk-based capital ratio | 11.8449% | 6,647 |
| Memoranda: | ||
| Average total assets | $118,176,000 | 4,461 |
| Average earning assets | $96,531,670 | 4,747 |
| Average equity | $12,646,670 | 4,472 |
| Average total loans | $77,609,670 | 4,165 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8375% | 399 |
| Cost of funding earning assets | 1.1226% | 1,284 |
| Net interest margin | 4.7149% | 666 |
| Noninterest income to average assets | 0.5294% | 3,703 |
| Noninterest expense to average assets | 2.6636% | 4,570 |
| Loan and lease loss provision to assets | 0.1508% | 3,483 |
| Net operating income to assets | 1.4440% | 1,133 |
| Return on assets (ROA) | 1.4440% | 1,265 |
| Pretax return on assets | 1.4440% | 2,040 |
| Return on Equity (ROE) | 13.6999% | 1,253 |
| Retained earnings to average equity (ytd only) | 5.3401% | 3,348 |
| Net charge-offs to loans | 0.3487% | 2,260 |
| Credit loss provision to net charge-offs | 66.1765% | 2,991 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,126 |
| Efficiency ratio | 62.5492% | 5,179 |
| Assets per employee ($millions) | 3.8444% | 4,335 |
| Cash dividends to net income (ytd only)* | 61.0209% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 6,116 |
| Loan loss allowance to noncurrent loans | 2,442.4242% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.6453% | 5,272 |
| Noncurrent loans to loans | 0.0426% | 6,647 |
| Net loans and leases to total assets | 64.3306% | 2,799 |
| Net loans and leases to deposits | 72.3237% | 3,380 |
| Net loans and leases to core deposits | 101.4624% | 891 |
| Total domestic deposits to total assets | 88.9482% | 1,729 |
| Equity capital to assets | 10.6121% | 3,367 |
| Core capital (leverage) ratio | 8.2732% | 5,918 |
| Tier 1 risk-based capital ratio | 10.7057% | 6,669 |
| Total risk-based capital ratio | 11.6053% | 6,776 |
| Memoranda: | ||
| Average total assets | $119,389,000 | 4,462 |
| Average earning assets | $94,424,500 | 4,836 |
| Average equity | $12,584,000 | 4,488 |
| Average total loans | $77,996,000 | 4,185 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7826% | 665 |
| Cost of funding earning assets | 1.3744% | 1,149 |
| Net interest margin | 4.4082% | 1,379 |
| Noninterest income to average assets | 0.5633% | 3,403 |
| Noninterest expense to average assets | 3.0411% | 3,428 |
| Loan and lease loss provision to assets | 0.1225% | 5,072 |
| Net operating income to assets | 1.0001% | 2,195 |
| Return on assets (ROA) | 1.0001% | 2,342 |
| Pretax return on assets | 1.0001% | 3,247 |
| Return on Equity (ROE) | 9.8072% | 2,122 |
| Retained earnings to average equity (ytd only) | 1.7053% | 4,999 |
| Net charge-offs to loans | 0.1969% | 4,566 |
| Credit loss provision to net charge-offs | 93.1677% | 3,870 |
| Earnings coverage of net charge-offs (x) | 8.5404% | 2,130 |
| Efficiency ratio | 73.0392% | 3,386 |
| Assets per employee ($millions) | 3.8582% | 4,187 |
| Cash dividends to net income (ytd only)* | 82.6122% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 5,977 |
| Loan loss allowance to noncurrent loans | 422.9592% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.7383% | 5,168 |
| Noncurrent loans to loans | 0.2496% | 6,236 |
| Net loans and leases to total assets | 64.9574% | 2,997 |
| Net loans and leases to deposits | 73.5327% | 3,574 |
| Net loans and leases to core deposits | 104.6992% | 859 |
| Total domestic deposits to total assets | 88.3381% | 1,947 |
| Equity capital to assets | 10.4688% | 3,569 |
| Core capital (leverage) ratio | 7.6918% | 6,539 |
| Tier 1 risk-based capital ratio | 10.7052% | 6,600 |
| Total risk-based capital ratio | 11.6469% | 6,711 |
| Memoranda: | ||
| Average total assets | $122,486,800 | 4,334 |
| Average earning assets | $100,041,000 | 4,641 |
| Average equity | $12,490,800 | 4,445 |
| Average total loans | $81,754,800 | 4,091 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6452% | 948 |
| Cost of funding earning assets | 1.3836% | 1,305 |
| Net interest margin | 4.2616% | 1,862 |
| Noninterest income to average assets | 0.4448% | 4,334 |
| Noninterest expense to average assets | 2.7703% | 4,463 |
| Loan and lease loss provision to assets | 0.1407% | 4,680 |
| Net operating income to assets | 1.0702% | 2,071 |
| Return on assets (ROA) | 1.0702% | 2,215 |
| Pretax return on assets | 1.0702% | 3,130 |
| Return on Equity (ROE) | 10.5632% | 2,011 |
| Retained earnings to average equity (ytd only) | 2.5527% | 4,835 |
| Net charge-offs to loans | 0.1421% | 4,647 |
| Credit loss provision to net charge-offs | 147.7273% | 2,126 |
| Earnings coverage of net charge-offs (x) | 12.7159% | 1,677 |
| Efficiency ratio | 69.5841% | 4,024 |
| Assets per employee ($millions) | 4.0030% | 3,833 |
| Cash dividends to net income (ytd only)* | 75.8348% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0783% | 5,965 |
| Loan loss allowance to noncurrent loans | 347.2441% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.7455% | 5,293 |
| Noncurrent loans to loans | 0.3105% | 6,226 |
| Net loans and leases to total assets | 63.1682% | 3,483 |
| Net loans and leases to deposits | 73.2908% | 3,762 |
| Net loans and leases to core deposits | 105.5325% | 892 |
| Total domestic deposits to total assets | 86.1885% | 3,098 |
| Equity capital to assets | 9.8239% | 4,596 |
| Core capital (leverage) ratio | 7.7190% | 6,624 |
| Tier 1 risk-based capital ratio | 10.2537% | 6,873 |
| Total risk-based capital ratio | 11.2107% | 6,951 |
| Memoranda: | ||
| Average total assets | $123,207,750 | 4,336 |
| Average earning assets | $102,243,500 | 4,611 |
| Average equity | $12,483,250 | 4,455 |
| Average total loans | $82,563,500 | 4,105 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7231% | 839 |
| Cost of funding earning assets | 1.4367% | 1,250 |
| Net interest margin | 4.2864% | 1,717 |
| Noninterest income to average assets | 0.4507% | 4,278 |
| Noninterest expense to average assets | 2.8541% | 4,216 |
| Loan and lease loss provision to assets | 0.1152% | 4,847 |
| Net operating income to assets | 1.0446% | 2,053 |
| Return on assets (ROA) | 1.0446% | 2,152 |
| Pretax return on assets | 1.0446% | 3,061 |
| Return on Equity (ROE) | 10.2011% | 2,051 |
| Retained earnings to average equity (ytd only) | 2.3776% | 4,779 |
| Net charge-offs to loans | 0.1884% | 4,028 |
| Credit loss provision to net charge-offs | 89.7436% | 3,457 |
| Earnings coverage of net charge-offs (x) | 9.0385% | 1,975 |
| Efficiency ratio | 71.1066% | 3,916 |
| Assets per employee ($millions) | 3.8209% | 4,148 |
| Cash dividends to net income (ytd only)* | 76.6929% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 6,298 |
| Loan loss allowance to noncurrent loans | 426.6667% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.7328% | 5,445 |
| Noncurrent loans to loans | 0.2360% | 6,446 |
| Net loans and leases to total assets | 66.9036% | 2,838 |
| Net loans and leases to deposits | 78.2886% | 3,080 |
| Net loans and leases to core deposits | 108.8515% | 764 |
| Total domestic deposits to total assets | 85.4576% | 3,643 |
| Equity capital to assets | 10.2388% | 3,832 |
| Core capital (leverage) ratio | 7.8016% | 6,511 |
| Tier 1 risk-based capital ratio | 10.3306% | 6,856 |
| Total risk-based capital ratio | 11.2490% | 6,974 |
| Memoranda: | ||
| Average total assets | $121,578,330 | 4,403 |
| Average earning assets | $101,064,670 | 4,681 |
| Average equity | $12,449,670 | 4,442 |
| Average total loans | $82,818,670 | 4,131 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7825% | 765 |
| Cost of funding earning assets | 1.4974% | 1,170 |
| Net interest margin | 4.2851% | 1,601 |
| Noninterest income to average assets | 0.5015% | 3,870 |
| Noninterest expense to average assets | 2.8705% | 4,188 |
| Loan and lease loss provision to assets | 0.0660% | 5,173 |
| Net operating income to assets | 1.1152% | 1,787 |
| Return on assets (ROA) | 1.1152% | 1,838 |
| Pretax return on assets | 1.1152% | 2,699 |
| Return on Equity (ROE) | 10.8901% | 1,780 |
| Retained earnings to average equity (ytd only) | 3.6408% | 3,994 |
| Net charge-offs to loans | 0.0338% | 4,626 |
| Credit loss provision to net charge-offs | 285.7143% | 1,113 |
| Earnings coverage of net charge-offs (x) | 51.1429% | 566 |
| Efficiency ratio | 70.8469% | 4,088 |
| Assets per employee ($millions) | 3.9055% | 4,061 |
| Cash dividends to net income (ytd only)* | 66.5680% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 6,275 |
| Loan loss allowance to noncurrent loans | 195.6422% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.9498% | 4,997 |
| Noncurrent loans to loans | 0.5282% | 5,967 |
| Net loans and leases to total assets | 67.4780% | 2,663 |
| Net loans and leases to deposits | 78.9747% | 2,899 |
| Net loans and leases to core deposits | 106.8228% | 903 |
| Total domestic deposits to total assets | 85.4425% | 3,813 |
| Equity capital to assets | 10.3013% | 3,415 |
| Core capital (leverage) ratio | 7.8155% | 6,450 |
| Tier 1 risk-based capital ratio | 10.1084% | 6,967 |
| Total risk-based capital ratio | 11.0332% | 7,071 |
| Memoranda: | ||
| Average total assets | $121,232,500 | 4,440 |
| Average earning assets | $100,441,000 | 4,731 |
| Average equity | $12,415,000 | 4,464 |
| Average total loans | $82,910,500 | 4,167 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2722% | 488 |
| Cost of funding earning assets | 1.9249% | 776 |
| Net interest margin | 4.3473% | 1,656 |
| Noninterest income to average assets | 0.6101% | 3,401 |
| Noninterest expense to average assets | 2.7600% | 4,742 |
| Loan and lease loss provision to assets | 0.6946% | 2,365 |
| Net operating income to assets | 0.6850% | 3,279 |
| Return on assets (ROA) | 0.6563% | 3,553 |
| Pretax return on assets | 0.6563% | 4,139 |
| Return on Equity (ROE) | 6.7435% | 3,243 |
| Retained earnings to average equity (ytd only) | 2.2424% | 4,312 |
| Net charge-offs to loans | 0.4804% | 3,701 |
| Credit loss provision to net charge-offs | 208.6124% | 1,473 |
| Earnings coverage of net charge-offs (x) | 4.1435% | 3,041 |
| Efficiency ratio | 66.6731% | 4,825 |
| Assets per employee ($millions) | 3.9159% | 3,974 |
| Cash dividends to net income (ytd only)* | 66.7476% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 6,348 |
| Loan loss allowance to noncurrent loans | 97.7881% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 1.3469% | 4,322 |
| Noncurrent loans to loans | 1.0316% | 5,006 |
| Net loans and leases to total assets | 67.9042% | 3,004 |
| Net loans and leases to deposits | 81.7508% | 2,863 |
| Net loans and leases to core deposits | 109.3960% | 956 |
| Total domestic deposits to total assets | 83.0625% | 4,770 |
| Equity capital to assets | 10.1802% | 3,522 |
| Core capital (leverage) ratio | 7.7737% | 6,467 |
| Tier 1 risk-based capital ratio | 10.1333% | 6,914 |
| Total risk-based capital ratio | 11.0574% | 7,042 |
| Memoranda: | ||
| Average total assets | $125,544,800 | 4,360 |
| Average earning assets | $101,926,000 | 4,676 |
| Average equity | $12,219,200 | 4,550 |
| Average total loans | $87,007,000 | 4,127 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1623% | 666 |
| Cost of funding earning assets | 1.9787% | 805 |
| Net interest margin | 4.1836% | 2,276 |
| Noninterest income to average assets | 0.4845% | 4,298 |
| Noninterest expense to average assets | 2.7291% | 4,760 |
| Loan and lease loss provision to assets | 0.4266% | 3,353 |
| Net operating income to assets | 0.7584% | 3,186 |
| Return on assets (ROA) | 0.7584% | 3,341 |
| Pretax return on assets | 0.7584% | 4,054 |
| Return on Equity (ROE) | 7.8787% | 2,963 |
| Retained earnings to average equity (ytd only) | 4.3223% | 3,456 |
| Net charge-offs to loans | 0.1759% | 4,906 |
| Credit loss provision to net charge-offs | 349.1379% | 906 |
| Earnings coverage of net charge-offs (x) | 9.6984% | 1,984 |
| Efficiency ratio | 69.7255% | 4,127 |
| Assets per employee ($millions) | 3.6108% | 4,705 |
| Cash dividends to net income (ytd only)* | 45.1384% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7660% | 7,066 |
| Loan loss allowance to noncurrent loans | 159.5745% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.8830% | 5,329 |
| Noncurrent loans to loans | 0.4800% | 6,234 |
| Net loans and leases to total assets | 71.2323% | 2,422 |
| Net loans and leases to deposits | 85.8690% | 2,373 |
| Net loans and leases to core deposits | 113.3552% | 871 |
| Total domestic deposits to total assets | 82.9546% | 4,606 |
| Equity capital to assets | 10.1771% | 3,912 |
| Core capital (leverage) ratio | 7.8224% | 6,551 |
| Tier 1 risk-based capital ratio | 9.8041% | 7,155 |
| Total risk-based capital ratio | 10.5131% | 7,324 |
| Memoranda: | ||
| Average total assets | $126,582,750 | 4,404 |
| Average earning assets | $103,768,000 | 4,680 |
| Average equity | $12,184,500 | 4,630 |
| Average total loans | $87,941,000 | 4,172 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0171% | 906 |
| Cost of funding earning assets | 2.0337% | 813 |
| Net interest margin | 3.9834% | 3,098 |
| Noninterest income to average assets | 0.4693% | 4,363 |
| Noninterest expense to average assets | 2.7203% | 4,833 |
| Loan and lease loss provision to assets | 0.5209% | 2,704 |
| Net operating income to assets | 0.4912% | 4,370 |
| Return on assets (ROA) | 0.4912% | 4,530 |
| Pretax return on assets | 0.4912% | 4,932 |
| Return on Equity (ROE) | 5.1981% | 4,187 |
| Retained earnings to average equity (ytd only) | 3.5427% | 3,851 |
| Net charge-offs to loans | 0.2708% | 3,988 |
| Credit loss provision to net charge-offs | 279.8319% | 1,329 |
| Earnings coverage of net charge-offs (x) | 5.4370% | 2,666 |
| Efficiency ratio | 72.8835% | 3,682 |
| Assets per employee ($millions) | 3.9421% | 3,879 |
| Cash dividends to net income (ytd only)* | 31.8471% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6730% | 7,298 |
| Loan loss allowance to noncurrent loans | 76.0456% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 1.0496% | 5,043 |
| Noncurrent loans to loans | 0.8850% | 5,499 |
| Net loans and leases to total assets | 70.2014% | 2,856 |
| Net loans and leases to deposits | 85.5185% | 2,595 |
| Net loans and leases to core deposits | 131.0810% | 403 |
| Total domestic deposits to total assets | 82.0891% | 4,943 |
| Equity capital to assets | 9.7299% | 4,369 |
| Core capital (leverage) ratio | 7.1890% | 7,077 |
| Tier 1 risk-based capital ratio | 9.5803% | 7,227 |
| Total risk-based capital ratio | 10.2083% | 7,434 |
| Memoranda: | ||
| Average total assets | $127,855,000 | 4,407 |
| Average earning assets | $104,734,670 | 4,670 |
| Average equity | $12,081,330 | 4,656 |
| Average total loans | $87,880,000 | 4,201 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8372% | 1,357 |
| Cost of funding earning assets | 2.0012% | 1,080 |
| Net interest margin | 3.8360% | 3,641 |
| Noninterest income to average assets | 0.4196% | 4,737 |
| Noninterest expense to average assets | 2.5826% | 5,426 |
| Loan and lease loss provision to assets | 0.9852% | 1,263 |
| Net operating income to assets | 0.0031% | 6,277 |
| Return on assets (ROA) | 0.0031% | 6,388 |
| Pretax return on assets | 0.0031% | 6,348 |
| Return on Equity (ROE) | 0.0334% | 6,395 |
| Retained earnings to average equity (ytd only) | -3.3041% | 6,403 |
| Net charge-offs to loans | 0.5043% | 2,555 |
| Credit loss provision to net charge-offs | 288.1818% | 1,366 |
| Earnings coverage of net charge-offs (x) | 2.8909% | 3,106 |
| Efficiency ratio | 72.3238% | 3,872 |
| Assets per employee ($millions) | 4.1482% | 3,566 |
| Cash dividends to net income (ytd only)* | 10,000.0000% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6739% | 7,391 |
| Loan loss allowance to noncurrent loans | 99.1639% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.7029% | 5,764 |
| Noncurrent loans to loans | 0.6796% | 5,974 |
| Net loans and leases to total assets | 65.8390% | 3,899 |
| Net loans and leases to deposits | 78.9378% | 3,849 |
| Net loans and leases to core deposits | 109.6067% | 1,308 |
| Total domestic deposits to total assets | 83.4062% | 4,424 |
| Equity capital to assets | 8.9700% | 5,323 |
| Core capital (leverage) ratio | 7.0997% | 7,172 |
| Tier 1 risk-based capital ratio | 9.4668% | 7,319 |
| Total risk-based capital ratio | 10.1017% | 7,531 |
| Memoranda: | ||
| Average total assets | $128,709,000 | 4,444 |
| Average earning assets | $105,736,000 | 4,715 |
| Average equity | $11,985,000 | 4,722 |
| Average total loans | $87,241,500 | 4,282 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3644% | 900 |
| Cost of funding earning assets | 2.1538% | 2,222 |
| Net interest margin | 4.2106% | 2,028 |
| Noninterest income to average assets | 0.5909% | 3,693 |
| Noninterest expense to average assets | 2.7638% | 5,112 |
| Loan and lease loss provision to assets | 0.4554% | 4,094 |
| Net operating income to assets | 1.0191% | 1,777 |
| Return on assets (ROA) | 1.0191% | 1,825 |
| Pretax return on assets | 1.0191% | 2,528 |
| Return on Equity (ROE) | 9.3947% | 1,890 |
| Retained earnings to average equity (ytd only) | 1.8989% | 3,767 |
| Net charge-offs to loans | 0.6695% | 3,178 |
| Credit loss provision to net charge-offs | 93.1608% | 5,890 |
| Earnings coverage of net charge-offs (x) | 3.0166% | 3,571 |
| Efficiency ratio | 65.2100% | 5,551 |
| Assets per employee ($millions) | 3.8961% | 4,031 |
| Cash dividends to net income (ytd only)* | 79.7872% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4463% | 7,714 |
| Loan loss allowance to noncurrent loans | 82.1277% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.6457% | 5,850 |
| Noncurrent loans to loans | 0.5434% | 6,156 |
| Net loans and leases to total assets | 69.0654% | 3,471 |
| Net loans and leases to deposits | 86.4573% | 2,833 |
| Net loans and leases to core deposits | 136.9032% | 917 |
| Total domestic deposits to total assets | 79.8839% | 5,705 |
| Equity capital to assets | 9.6755% | 4,175 |
| Core capital (leverage) ratio | 7.4945% | 6,793 |
| Tier 1 risk-based capital ratio | 9.6398% | 7,130 |
| Total risk-based capital ratio | 10.0560% | 7,560 |
| Memoranda: | ||
| Average total assets | $110,682,600 | 4,804 |
| Average earning assets | $95,877,000 | 4,951 |
| Average equity | $12,006,800 | 4,750 |
| Average total loans | $80,805,400 | 4,481 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4651% | 810 |
| Cost of funding earning assets | 2.1727% | 2,540 |
| Net interest margin | 4.2925% | 1,748 |
| Noninterest income to average assets | 0.6593% | 3,296 |
| Noninterest expense to average assets | 2.9407% | 4,274 |
| Loan and lease loss provision to assets | 0.1804% | 5,561 |
| Net operating income to assets | 1.2763% | 1,275 |
| Return on assets (ROA) | 1.2763% | 1,344 |
| Pretax return on assets | 1.2763% | 2,021 |
| Return on Equity (ROE) | 11.4066% | 1,512 |
| Retained earnings to average equity (ytd only) | 3.7578% | 3,182 |
| Net charge-offs to loans | 0.0185% | 6,652 |
| Credit loss provision to net charge-offs | 1,318.1818% | 296 |
| Earnings coverage of net charge-offs (x) | 106.4274% | 342 |
| Efficiency ratio | 66.8741% | 5,214 |
| Assets per employee ($millions) | 3.4614% | 5,020 |
| Cash dividends to net income (ytd only)* | 67.0563% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6576% | 7,474 |
| Loan loss allowance to noncurrent loans | 45.6183% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 1.3221% | 4,440 |
| Noncurrent loans to loans | 1.4415% | 4,509 |
| Net loans and leases to total assets | 71.4975% | 3,155 |
| Net loans and leases to deposits | 91.9627% | 2,237 |
| Net loans and leases to core deposits | 144.6345% | 740 |
| Total domestic deposits to total assets | 77.7462% | 6,156 |
| Equity capital to assets | 10.3774% | 3,644 |
| Core capital (leverage) ratio | 8.3061% | 5,822 |
| Tier 1 risk-based capital ratio | 9.5367% | 7,345 |
| Total risk-based capital ratio | 10.1235% | 7,684 |
| Memoranda: | ||
| Average total assets | $107,184,250 | 4,930 |
| Average earning assets | $93,339,500 | 5,058 |
| Average equity | $11,992,750 | 4,792 |
| Average total loans | $79,383,250 | 4,566 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6136% | 646 |
| Cost of funding earning assets | 2.2349% | 2,645 |
| Net interest margin | 4.3787% | 1,456 |
| Noninterest income to average assets | 0.7581% | 2,657 |
| Noninterest expense to average assets | 2.9764% | 4,174 |
| Loan and lease loss provision to assets | 0.2238% | 4,794 |
| Net operating income to assets | 1.3638% | 1,093 |
| Return on assets (ROA) | 1.3638% | 1,164 |
| Pretax return on assets | 1.3638% | 1,820 |
| Return on Equity (ROE) | 11.8631% | 1,461 |
| Retained earnings to average equity (ytd only) | 3.6747% | 3,252 |
| Net charge-offs to loans | 0.0155% | 6,316 |
| Credit loss provision to net charge-offs | 1,933.3333% | 277 |
| Earnings coverage of net charge-offs (x) | 137.1667% | 290 |
| Efficiency ratio | 65.2156% | 5,669 |
| Assets per employee ($millions) | 3.1874% | 5,618 |
| Cash dividends to net income (ytd only)* | 69.0240% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6476% | 7,549 |
| Loan loss allowance to noncurrent loans | 18.9074% | 7,188 |
| Noncurrent assets plus other real estate owned to assets | 2.9103% | 2,193 |
| Noncurrent loans to loans | 3.4250% | 2,057 |
| Net loans and leases to total assets | 75.4558% | 2,328 |
| Net loans and leases to deposits | 107.0201% | 704 |
| Net loans and leases to core deposits | 149.6769% | 663 |
| Total domestic deposits to total assets | 70.5062% | 7,420 |
| Equity capital to assets | 11.1145% | 2,824 |
| Core capital (leverage) ratio | 8.6804% | 5,126 |
| Tier 1 risk-based capital ratio | 9.7754% | 7,160 |
| Total risk-based capital ratio | 10.3586% | 7,643 |
| Memoranda: | ||
| Average total assets | $103,683,000 | 5,054 |
| Average earning assets | $90,117,330 | 5,195 |
| Average equity | $11,919,330 | 4,833 |
| Average total loans | $77,610,670 | 4,669 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4394% | 976 |
| Cost of funding earning assets | 2.2526% | 2,910 |
| Net interest margin | 4.1867% | 1,947 |
| Noninterest income to average assets | 0.6710% | 3,063 |
| Noninterest expense to average assets | 2.9446% | 3,993 |
| Loan and lease loss provision to assets | 0.0947% | 5,747 |
| Net operating income to assets | 1.2631% | 1,469 |
| Return on assets (ROA) | 1.2631% | 1,571 |
| Pretax return on assets | 1.2631% | 2,398 |
| Return on Equity (ROE) | 10.7958% | 2,030 |
| Retained earnings to average equity (ytd only) | 1.9230% | 4,780 |
| Net charge-offs to loans | 0.0372% | 4,990 |
| Credit loss provision to net charge-offs | 342.8571% | 1,464 |
| Earnings coverage of net charge-offs (x) | 49.1429% | 733 |
| Efficiency ratio | 68.4404% | 4,883 |
| Assets per employee ($millions) | 2.9479% | 6,294 |
| Cash dividends to net income (ytd only)* | 82.1875% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5681% | 7,722 |
| Loan loss allowance to noncurrent loans | 74.4501% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 0.8975% | 4,944 |
| Noncurrent loans to loans | 0.7631% | 5,523 |
| Net loans and leases to total assets | 74.6380% | 2,590 |
| Net loans and leases to deposits | 100.9424% | 1,285 |
| Net loans and leases to core deposits | 131.5893% | 1,563 |
| Total domestic deposits to total assets | 73.9412% | 6,905 |
| Equity capital to assets | 11.5025% | 2,586 |
| Core capital (leverage) ratio | 8.9442% | 4,804 |
| Tier 1 risk-based capital ratio | 10.1581% | 6,754 |
| Total risk-based capital ratio | 10.6676% | 7,451 |
| Memoranda: | ||
| Average total assets | $101,338,500 | 5,138 |
| Average earning assets | $87,896,500 | 5,292 |
| Average equity | $11,856,500 | 4,877 |
| Average total loans | $75,263,000 | 4,795 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5414% | 2,754 |
| Cost of funding earning assets | 2.8046% | 2,687 |
| Net interest margin | 3.7368% | 4,299 |
| Noninterest income to average assets | 0.6713% | 3,313 |
| Noninterest expense to average assets | 3.0233% | 3,994 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8545% | 3,208 |
| Return on assets (ROA) | 0.8545% | 3,045 |
| Pretax return on assets | 0.8545% | 3,873 |
| Return on Equity (ROE) | 7.3612% | 3,338 |
| Retained earnings to average equity (ytd only) | -0.2014% | 5,343 |
| Net charge-offs to loans | 0.0307% | 6,396 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 41.7619% | 882 |
| Efficiency ratio | 77.9648% | 2,922 |
| Assets per employee ($millions) | 3.0151% | 6,023 |
| Cash dividends to net income (ytd only)* | 102.7366% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5788% | 7,711 |
| Loan loss allowance to noncurrent loans | 70.1493% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 0.9427% | 4,468 |
| Noncurrent loans to loans | 0.8252% | 4,987 |
| Net loans and leases to total assets | 73.0188% | 3,354 |
| Net loans and leases to deposits | 98.1824% | 2,095 |
| Net loans and leases to core deposits | 133.6934% | 1,612 |
| Total domestic deposits to total assets | 74.3706% | 6,586 |
| Equity capital to assets | 11.9046% | 2,354 |
| Core capital (leverage) ratio | 9.2763% | 4,332 |
| Tier 1 risk-based capital ratio | 10.8137% | 5,899 |
| Total risk-based capital ratio | 11.3386% | 6,509 |
| Memoranda: | ||
| Average total assets | $102,637,000 | 4,971 |
| Average earning assets | $88,069,800 | 5,147 |
| Average equity | $11,913,800 | 4,849 |
| Average total loans | $68,308,200 | 4,933 |