Home > Community Bank > Performance and Condition Ratios
Community 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 | 4.2144% | 3,598 |
| Cost of funding earning assets | 2.1094% | 759 |
| Net interest margin | 2.1050% | 4,370 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.0656% | 3,486 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2990% | 4,027 |
| Return on assets (ROA) | 0.2760% | 4,064 |
| Pretax return on assets | 0.2760% | 4,113 |
| Return on Equity (ROE) | 4.3500% | 3,840 |
| Retained earnings to average equity (ytd only) | 3.2287% | 3,209 |
| Net charge-offs to loans | 0.0092% | 2,310 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 969 |
| Efficiency ratio | 87.3563% | 505 |
| Assets per employee ($millions) | 9.2229% | 912 |
| Cash dividends to net income (ytd only)* | 25.8462% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9503% | 414 |
| Loan loss allowance to noncurrent loans | 435.7488% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.1603% | 2,466 |
| Noncurrent loans to loans | 0.4476% | 1,658 |
| Net loans and leases to total assets | 35.1200% | 4,179 |
| Net loans and leases to deposits | 40.6330% | 4,183 |
| Net loans and leases to core deposits | 51.5201% | 4,045 |
| Total domestic deposits to total assets | 86.4300% | 1,884 |
| Equity capital to assets | 6.7433% | 4,034 |
| Core capital (leverage) ratio | 13.1711% | 1,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9930% | 795 |
| Memoranda: | ||
| Average total assets | $117,741,000 | 3,674 |
| Average earning assets | $112,921,800 | 3,616 |
| Average equity | $7,464,400 | 3,989 |
| Average total loans | $43,247,800 | 3,944 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1510% | 3,558 |
| Cost of funding earning assets | 1.9654% | 749 |
| Net interest margin | 2.1856% | 4,363 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.0122% | 3,566 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3423% | 4,063 |
| Return on assets (ROA) | 0.3110% | 4,108 |
| Pretax return on assets | 0.3110% | 4,159 |
| Return on Equity (ROE) | 4.9900% | 3,806 |
| Retained earnings to average equity (ytd only) | 4.9949% | 2,935 |
| Net charge-offs to loans | 0.0031% | 2,411 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 295.0000% | 453 |
| Efficiency ratio | 85.4608% | 538 |
| Assets per employee ($millions) | 6.9245% | 2,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1748% | 308 |
| Loan loss allowance to noncurrent loans | 502.7778% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 2,495 |
| Noncurrent loans to loans | 0.4326% | 1,749 |
| Net loans and leases to total assets | 36.7400% | 4,160 |
| Net loans and leases to deposits | 39.1932% | 4,226 |
| Net loans and leases to core deposits | 49.9485% | 4,042 |
| Total domestic deposits to total assets | 93.7500% | 211 |
| Equity capital to assets | 5.5266% | 4,134 |
| Core capital (leverage) ratio | 13.1352% | 1,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5205% | 658 |
| Memoranda: | ||
| Average total assets | $114,896,250 | 3,710 |
| Average earning assets | $110,170,750 | 3,656 |
| Average equity | $7,153,750 | 4,033 |
| Average total loans | $42,497,250 | 3,968 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9839% | 3,720 |
| Cost of funding earning assets | 1.7471% | 819 |
| Net interest margin | 2.2368% | 4,395 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.0333% | 3,512 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3595% | 4,074 |
| Return on assets (ROA) | 0.3131% | 4,162 |
| Pretax return on assets | 0.3131% | 4,215 |
| Return on Equity (ROE) | 4.8600% | 3,895 |
| Retained earnings to average equity (ytd only) | 4.8551% | 2,976 |
| Net charge-offs to loans | 0.0047% | 2,111 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 209.0000% | 586 |
| Efficiency ratio | 84.9748% | 546 |
| Assets per employee ($millions) | 6.9402% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1012% | 360 |
| Loan loss allowance to noncurrent loans | 505.5866% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 2,484 |
| Noncurrent loans to loans | 0.4156% | 1,686 |
| Net loans and leases to total assets | 35.7400% | 4,184 |
| Net loans and leases to deposits | 40.1845% | 4,212 |
| Net loans and leases to core deposits | 50.6705% | 3,998 |
| Total domestic deposits to total assets | 88.9400% | 1,283 |
| Equity capital to assets | 6.2458% | 4,089 |
| Core capital (leverage) ratio | 12.9492% | 1,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0534% | 713 |
| Memoranda: | ||
| Average total assets | $116,264,333 | 3,711 |
| Average earning assets | $111,498,000 | 3,658 |
| Average equity | $7,497,333 | 4,014 |
| Average total loans | $42,792,000 | 3,979 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8733% | 3,735 |
| Cost of funding earning assets | 1.5754% | 730 |
| Net interest margin | 2.2980% | 4,448 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 2.0207% | 3,583 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4402% | 4,020 |
| Return on assets (ROA) | 0.3535% | 4,122 |
| Pretax return on assets | 0.3535% | 4,198 |
| Return on Equity (ROE) | 5.4000% | 3,828 |
| Retained earnings to average equity (ytd only) | 5.3958% | 2,925 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.1127% | 695 |
| Assets per employee ($millions) | 6.8307% | 2,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1056% | 378 |
| Loan loss allowance to noncurrent loans | 520.6897% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 2,467 |
| Noncurrent loans to loans | 0.4044% | 1,721 |
| Net loans and leases to total assets | 36.2700% | 4,180 |
| Net loans and leases to deposits | 40.3692% | 4,217 |
| Net loans and leases to core deposits | 49.4674% | 4,006 |
| Total domestic deposits to total assets | 89.8600% | 1,209 |
| Equity capital to assets | 6.6964% | 3,965 |
| Core capital (leverage) ratio | 12.5114% | 1,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7960% | 761 |
| Memoranda: | ||
| Average total assets | $115,405,000 | 3,765 |
| Average earning assets | $110,705,500 | 3,713 |
| Average equity | $7,561,500 | 4,052 |
| Average total loans | $42,652,500 | 4,024 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3940% | 3,358 |
| Cost of funding earning assets | 0.5781% | 983 |
| Net interest margin | 2.8159% | 3,862 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 1.9833% | 3,626 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0050% | 2,546 |
| Return on assets (ROA) | 0.9575% | 2,687 |
| Pretax return on assets | 0.9575% | 3,199 |
| Return on Equity (ROE) | 11.6800% | 2,246 |
| Retained earnings to average equity (ytd only) | 5.3292% | 2,905 |
| Net charge-offs to loans | -0.0666% | 4,415 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.3681% | 2,170 |
| Assets per employee ($millions) | 7.1680% | 1,852 |
| Cash dividends to net income (ytd only)* | 54.3733% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1430% | 334 |
| Loan loss allowance to noncurrent loans | 500.5525% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.1578% | 2,426 |
| Noncurrent loans to loans | 0.4281% | 1,644 |
| Net loans and leases to total assets | 36.0700% | 4,213 |
| Net loans and leases to deposits | 39.7492% | 4,252 |
| Net loans and leases to core deposits | 49.8092% | 3,983 |
| Total domestic deposits to total assets | 90.7500% | 1,038 |
| Equity capital to assets | 6.4061% | 3,938 |
| Core capital (leverage) ratio | 13.1601% | 895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2927% | 795 |
| Memoranda: | ||
| Average total assets | $115,818,000 | 3,764 |
| Average earning assets | $111,047,400 | 3,712 |
| Average equity | $9,494,800 | 3,934 |
| Average total loans | $42,066,800 | 4,027 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2787% | 3,238 |
| Cost of funding earning assets | 0.4660% | 903 |
| Net interest margin | 2.8127% | 3,712 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.9052% | 3,741 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0944% | 2,129 |
| Return on assets (ROA) | 1.1151% | 1,992 |
| Pretax return on assets | 1.1151% | 2,676 |
| Return on Equity (ROE) | 12.9100% | 1,726 |
| Retained earnings to average equity (ytd only) | 8.8384% | 1,709 |
| Net charge-offs to loans | -0.0952% | 4,484 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.5145% | 2,620 |
| Assets per employee ($millions) | 6.8277% | 2,073 |
| Cash dividends to net income (ytd only)* | 31.5139% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1934% | 347 |
| Loan loss allowance to noncurrent loans | 498.9011% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.1568% | 2,519 |
| Noncurrent loans to loans | 0.4396% | 1,708 |
| Net loans and leases to total assets | 34.8800% | 4,276 |
| Net loans and leases to deposits | 37.1108% | 4,338 |
| Net loans and leases to core deposits | 45.8306% | 4,120 |
| Total domestic deposits to total assets | 94.0000% | 356 |
| Equity capital to assets | 5.6302% | 4,092 |
| Core capital (leverage) ratio | 12.6145% | 1,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2775% | 819 |
| Memoranda: | ||
| Average total assets | $116,100,500 | 3,792 |
| Average earning assets | $111,302,500 | 3,736 |
| Average equity | $10,031,750 | 3,914 |
| Average total loans | $42,014,250 | 4,052 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2109% | 3,006 |
| Cost of funding earning assets | 0.4261% | 778 |
| Net interest margin | 2.7848% | 3,486 |
| Noninterest income to average assets | 0.3135% | 3,289 |
| Noninterest expense to average assets | 1.8982% | 3,704 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0835% | 1,842 |
| Return on assets (ROA) | 1.0835% | 1,819 |
| Pretax return on assets | 1.0835% | 2,470 |
| Return on Equity (ROE) | 11.2348% | 1,912 |
| Retained earnings to average equity (ytd only) | 7.4482% | 1,832 |
| Net charge-offs to loans | 0.0095% | 1,629 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 314.5000% | 390 |
| Efficiency ratio | 63.6626% | 2,817 |
| Assets per employee ($millions) | 8.0406% | 1,280 |
| Cash dividends to net income (ytd only)* | 33.7043% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0751% | 473 |
| Loan loss allowance to noncurrent loans | 463.4921% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 2,528 |
| Noncurrent loans to loans | 0.4477% | 1,778 |
| Net loans and leases to total assets | 36.7224% | 4,219 |
| Net loans and leases to deposits | 39.5518% | 4,282 |
| Net loans and leases to core deposits | 48.8999% | 3,986 |
| Total domestic deposits to total assets | 92.8462% | 553 |
| Equity capital to assets | 6.7630% | 3,900 |
| Core capital (leverage) ratio | 12.5002% | 969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6973% | 892 |
| Memoranda: | ||
| Average total assets | $116,110,333 | 3,833 |
| Average earning assets | $111,245,000 | 3,789 |
| Average equity | $11,197,333 | 3,866 |
| Average total loans | $42,220,000 | 4,101 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0423% | 3,130 |
| Cost of funding earning assets | 0.3856% | 952 |
| Net interest margin | 2.6567% | 3,510 |
| Noninterest income to average assets | 0.3529% | 2,983 |
| Noninterest expense to average assets | 1.8731% | 3,745 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0282% | 1,767 |
| Return on assets (ROA) | 1.0282% | 1,756 |
| Pretax return on assets | 1.0282% | 2,356 |
| Return on Equity (ROE) | 9.3306% | 2,204 |
| Retained earnings to average equity (ytd only) | 9.3306% | 1,176 |
| Net charge-offs to loans | -0.0284% | 4,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5614% | 2,960 |
| Assets per employee ($millions) | 7.8715% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1346% | 499 |
| Loan loss allowance to noncurrent loans | 3,146.4286% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 3,807 |
| Noncurrent loans to loans | 0.0678% | 3,509 |
| Net loans and leases to total assets | 34.2088% | 4,298 |
| Net loans and leases to deposits | 37.9865% | 4,325 |
| Net loans and leases to core deposits | 46.9374% | 4,031 |
| Total domestic deposits to total assets | 90.0552% | 1,534 |
| Equity capital to assets | 9.6009% | 2,211 |
| Core capital (leverage) ratio | 11.6107% | 1,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2367% | 872 |
| Memoranda: | ||
| Average total assets | $117,881,000 | 3,838 |
| Average earning assets | $113,071,000 | 3,793 |
| Average equity | $12,989,500 | 3,756 |
| Average total loans | $42,223,000 | 4,117 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3396% | 3,084 |
| Cost of funding earning assets | 0.4588% | 1,138 |
| Net interest margin | 2.8808% | 3,490 |
| Noninterest income to average assets | 0.3312% | 3,431 |
| Noninterest expense to average assets | 1.9140% | 3,894 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1690% | 2,025 |
| Return on assets (ROA) | 1.1892% | 2,022 |
| Pretax return on assets | 1.1892% | 2,698 |
| Return on Equity (ROE) | 9.5236% | 2,711 |
| Retained earnings to average equity (ytd only) | 5.2984% | 2,676 |
| Net charge-offs to loans | -0.0302% | 4,126 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0831% | 2,856 |
| Assets per employee ($millions) | 8.4064% | 1,116 |
| Cash dividends to net income (ytd only)* | 44.3657% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0336% | 574 |
| Loan loss allowance to noncurrent loans | 3,376.9231% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 3,907 |
| Noncurrent loans to loans | 0.0602% | 3,648 |
| Net loans and leases to total assets | 35.9385% | 4,288 |
| Net loans and leases to deposits | 41.2415% | 4,297 |
| Net loans and leases to core deposits | 52.1960% | 3,878 |
| Total domestic deposits to total assets | 87.1416% | 2,454 |
| Equity capital to assets | 12.4420% | 1,078 |
| Core capital (leverage) ratio | 11.3218% | 1,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8573% | 914 |
| Memoranda: | ||
| Average total assets | $118,649,800 | 3,818 |
| Average earning assets | $113,335,600 | 3,773 |
| Average equity | $14,815,800 | 3,657 |
| Average total loans | $43,072,600 | 4,128 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3311% | 3,306 |
| Cost of funding earning assets | 0.4668% | 1,237 |
| Net interest margin | 2.8643% | 3,627 |
| Noninterest income to average assets | 0.3308% | 3,451 |
| Noninterest expense to average assets | 1.8684% | 4,012 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1944% | 2,188 |
| Return on assets (ROA) | 1.2269% | 2,136 |
| Pretax return on assets | 1.2269% | 2,842 |
| Return on Equity (ROE) | 9.8165% | 2,805 |
| Retained earnings to average equity (ytd only) | 7.2681% | 2,321 |
| Net charge-offs to loans | -0.0403% | 4,257 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0033% | 2,832 |
| Assets per employee ($millions) | 7.4068% | 1,619 |
| Cash dividends to net income (ytd only)* | 25.9598% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9796% | 662 |
| Loan loss allowance to noncurrent loans | 696.8254% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 3,433 |
| Noncurrent loans to loans | 0.2841% | 2,778 |
| Net loans and leases to total assets | 34.5273% | 4,445 |
| Net loans and leases to deposits | 39.4861% | 4,471 |
| Net loans and leases to core deposits | 49.0799% | 4,188 |
| Total domestic deposits to total assets | 87.4415% | 2,139 |
| Equity capital to assets | 12.1145% | 1,351 |
| Core capital (leverage) ratio | 11.0838% | 1,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8671% | 985 |
| Memoranda: | ||
| Average total assets | $118,889,750 | 3,856 |
| Average earning assets | $113,391,500 | 3,805 |
| Average equity | $14,859,000 | 3,698 |
| Average total loans | $43,047,250 | 4,184 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3707% | 3,263 |
| Cost of funding earning assets | 0.4880% | 1,275 |
| Net interest margin | 2.8828% | 3,621 |
| Noninterest income to average assets | 0.3123% | 3,560 |
| Noninterest expense to average assets | 1.9048% | 3,952 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1446% | 2,387 |
| Return on assets (ROA) | 1.1446% | 2,447 |
| Pretax return on assets | 1.1446% | 3,076 |
| Return on Equity (ROE) | 9.0580% | 3,080 |
| Retained earnings to average equity (ytd only) | 6.3419% | 2,674 |
| Net charge-offs to loans | -0.0422% | 4,291 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4648% | 2,665 |
| Assets per employee ($millions) | 7.4913% | 1,483 |
| Cash dividends to net income (ytd only)* | 29.9850% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0453% | 557 |
| Loan loss allowance to noncurrent loans | 694.4444% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.1051% | 3,523 |
| Noncurrent loans to loans | 0.2945% | 2,874 |
| Net loans and leases to total assets | 34.9633% | 4,501 |
| Net loans and leases to deposits | 40.1797% | 4,515 |
| Net loans and leases to core deposits | 50.8457% | 4,193 |
| Total domestic deposits to total assets | 87.0174% | 2,310 |
| Equity capital to assets | 12.4270% | 1,166 |
| Core capital (leverage) ratio | 11.0530% | 1,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2838% | 914 |
| Memoranda: | ||
| Average total assets | $116,548,000 | 3,899 |
| Average earning assets | $110,658,000 | 3,864 |
| Average equity | $14,727,333 | 3,711 |
| Average total loans | $42,612,000 | 4,221 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3828% | 3,253 |
| Cost of funding earning assets | 0.5202% | 1,269 |
| Net interest margin | 2.8627% | 3,612 |
| Noninterest income to average assets | 0.3690% | 3,252 |
| Noninterest expense to average assets | 1.8278% | 4,156 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2429% | 2,000 |
| Return on assets (ROA) | 1.2429% | 2,084 |
| Pretax return on assets | 1.2429% | 2,727 |
| Return on Equity (ROE) | 9.7518% | 2,773 |
| Retained earnings to average equity (ytd only) | 9.7518% | 1,727 |
| Net charge-offs to loans | -0.0282% | 4,145 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5238% | 3,083 |
| Assets per employee ($millions) | 8.3415% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0817% | 514 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.6568% | 1,446 |
| Noncurrent loans to loans | 1.5613% | 786 |
| Net loans and leases to total assets | 34.9620% | 4,548 |
| Net loans and leases to deposits | 40.1031% | 4,562 |
| Net loans and leases to core deposits | 51.1866% | 4,230 |
| Total domestic deposits to total assets | 87.1803% | 2,237 |
| Equity capital to assets | 12.2871% | 1,156 |
| Core capital (leverage) ratio | 11.2370% | 1,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8862% | 687 |
| Memoranda: | ||
| Average total assets | $114,892,000 | 3,912 |
| Average earning assets | $108,430,000 | 3,891 |
| Average equity | $14,643,500 | 3,727 |
| Average total loans | $42,527,000 | 4,246 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6545% | 3,685 |
| Cost of funding earning assets | 0.8368% | 1,068 |
| Net interest margin | 2.8177% | 4,237 |
| Noninterest income to average assets | 0.3300% | 3,481 |
| Noninterest expense to average assets | 1.9161% | 4,295 |
| Loan and lease loss provision to assets | 0.2152% | 1,825 |
| Net operating income to assets | 0.9038% | 2,676 |
| Return on assets (ROA) | 0.9038% | 2,815 |
| Pretax return on assets | 0.9038% | 3,357 |
| Return on Equity (ROE) | 7.0462% | 3,194 |
| Retained earnings to average equity (ytd only) | -0.1328% | 4,539 |
| Net charge-offs to loans | 0.0898% | 1,557 |
| Credit loss provision to net charge-offs | 600.0000% | 1,102 |
| Earnings coverage of net charge-offs (x) | 31.2000% | 1,573 |
| Efficiency ratio | 63.1315% | 2,954 |
| Assets per employee ($millions) | 7.5335% | 1,258 |
| Cash dividends to net income (ytd only)* | 101.8849% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9951% | 594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1027% | 3,795 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 37.6025% | 4,543 |
| Net loans and leases to deposits | 43.5918% | 4,544 |
| Net loans and leases to core deposits | 56.4828% | 4,127 |
| Total domestic deposits to total assets | 86.2605% | 2,248 |
| Equity capital to assets | 13.2191% | 1,018 |
| Core capital (leverage) ratio | 11.0225% | 1,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7993% | 931 |
| Memoranda: | ||
| Average total assets | $111,526,800 | 3,862 |
| Average earning assets | $107,074,200 | 3,810 |
| Average equity | $14,305,600 | 3,718 |
| Average total loans | $44,549,600 | 4,210 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6711% | 3,854 |
| Cost of funding earning assets | 0.8884% | 1,106 |
| Net interest margin | 2.7827% | 4,364 |
| Noninterest income to average assets | 0.3478% | 3,381 |
| Noninterest expense to average assets | 1.8712% | 4,383 |
| Loan and lease loss provision to assets | 0.2699% | 1,508 |
| Net operating income to assets | 0.8780% | 2,784 |
| Return on assets (ROA) | 0.8780% | 2,915 |
| Pretax return on assets | 0.8780% | 3,442 |
| Return on Equity (ROE) | 6.8986% | 3,237 |
| Retained earnings to average equity (ytd only) | 3.9393% | 3,081 |
| Net charge-offs to loans | 0.0119% | 2,681 |
| Credit loss provision to net charge-offs | 5,625.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 239.2500% | 433 |
| Efficiency ratio | 61.9785% | 3,082 |
| Assets per employee ($millions) | 7.5595% | 1,178 |
| Cash dividends to net income (ytd only)* | 42.8962% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9267% | 560 |
| Loan loss allowance to noncurrent loans | 2,531.4286% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.1534% | 3,649 |
| Noncurrent loans to loans | 0.0761% | 4,066 |
| Net loans and leases to total assets | 39.7723% | 4,574 |
| Net loans and leases to deposits | 46.3357% | 4,593 |
| Net loans and leases to core deposits | 60.8065% | 4,163 |
| Total domestic deposits to total assets | 85.8351% | 2,135 |
| Equity capital to assets | 13.5784% | 977 |
| Core capital (leverage) ratio | 11.4193% | 1,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5543% | 833 |
| Memoranda: | ||
| Average total assets | $111,157,750 | 3,863 |
| Average earning assets | $106,705,750 | 3,812 |
| Average equity | $14,147,500 | 3,743 |
| Average total loans | $44,847,750 | 4,228 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6769% | 4,133 |
| Cost of funding earning assets | 0.9419% | 1,183 |
| Net interest margin | 2.7350% | 4,526 |
| Noninterest income to average assets | 0.3369% | 3,457 |
| Noninterest expense to average assets | 1.9128% | 4,394 |
| Loan and lease loss provision to assets | 0.3804% | 1,089 |
| Net operating income to assets | 0.6684% | 3,510 |
| Return on assets (ROA) | 0.6684% | 3,603 |
| Pretax return on assets | 0.6684% | 3,933 |
| Return on Equity (ROE) | 5.3747% | 3,728 |
| Retained earnings to average equity (ytd only) | 2.2577% | 3,656 |
| Net charge-offs to loans | 0.0495% | 1,777 |
| Credit loss provision to net charge-offs | 1,909.0909% | 500 |
| Earnings coverage of net charge-offs (x) | 52.6364% | 1,065 |
| Efficiency ratio | 64.5872% | 2,730 |
| Assets per employee ($millions) | 7.2010% | 1,331 |
| Cash dividends to net income (ytd only)* | 57.9946% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9362% | 490 |
| Loan loss allowance to noncurrent loans | 2,468.5714% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.1510% | 3,770 |
| Noncurrent loans to loans | 0.0784% | 4,144 |
| Net loans and leases to total assets | 37.9808% | 4,668 |
| Net loans and leases to deposits | 43.9349% | 4,706 |
| Net loans and leases to core deposits | 58.0988% | 4,348 |
| Total domestic deposits to total assets | 86.4481% | 1,822 |
| Equity capital to assets | 13.0164% | 1,156 |
| Core capital (leverage) ratio | 11.4203% | 1,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2659% | 873 |
| Memoranda: | ||
| Average total assets | $110,412,667 | 3,862 |
| Average earning assets | $105,959,333 | 3,808 |
| Average equity | $13,731,000 | 3,801 |
| Average total loans | $44,468,667 | 4,244 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8074% | 4,222 |
| Cost of funding earning assets | 1.0205% | 1,333 |
| Net interest margin | 2.7869% | 4,580 |
| Noninterest income to average assets | 0.3259% | 3,570 |
| Noninterest expense to average assets | 1.9850% | 4,426 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0110% | 2,142 |
| Return on assets (ROA) | 1.0110% | 2,242 |
| Pretax return on assets | 1.0110% | 2,810 |
| Return on Equity (ROE) | 8.3372% | 2,370 |
| Retained earnings to average equity (ytd only) | 6.0162% | 1,865 |
| Net charge-offs to loans | 0.1171% | 1,002 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,397 |
| Efficiency ratio | 66.2546% | 2,920 |
| Assets per employee ($millions) | 6.6811% | 1,246 |
| Cash dividends to net income (ytd only)* | 27.8388% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4820% | 1,402 |
| Loan loss allowance to noncurrent loans | 1,715.7895% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.1656% | 3,838 |
| Noncurrent loans to loans | 0.0864% | 4,165 |
| Net loans and leases to total assets | 40.5456% | 4,646 |
| Net loans and leases to deposits | 46.7602% | 4,702 |
| Net loans and leases to core deposits | 63.1228% | 4,224 |
| Total domestic deposits to total assets | 86.7096% | 1,690 |
| Equity capital to assets | 11.6710% | 2,310 |
| Core capital (leverage) ratio | 11.8437% | 1,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0162% | 984 |
| Memoranda: | ||
| Average total assets | $108,011,000 | 3,871 |
| Average earning assets | $103,483,000 | 3,829 |
| Average equity | $13,098,000 | 3,873 |
| Average total loans | $44,391,000 | 4,269 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8924% | 4,447 |
| Cost of funding earning assets | 1.0634% | 1,458 |
| Net interest margin | 2.8290% | 4,733 |
| Noninterest income to average assets | 0.3033% | 3,873 |
| Noninterest expense to average assets | 1.8526% | 4,713 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1627% | 2,208 |
| Return on assets (ROA) | 1.1627% | 2,303 |
| Pretax return on assets | 1.1627% | 2,974 |
| Return on Equity (ROE) | 9.5811% | 2,486 |
| Retained earnings to average equity (ytd only) | 3.9497% | 2,987 |
| Net charge-offs to loans | -0.0319% | 4,726 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4405% | 3,466 |
| Assets per employee ($millions) | 7.2750% | 946 |
| Cash dividends to net income (ytd only)* | 58.7762% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4825% | 1,276 |
| Loan loss allowance to noncurrent loans | 366.8508% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 3,815 |
| Noncurrent loans to loans | 0.4041% | 2,990 |
| Net loans and leases to total assets | 40.4344% | 4,720 |
| Net loans and leases to deposits | 46.5979% | 4,770 |
| Net loans and leases to core deposits | 63.6618% | 4,296 |
| Total domestic deposits to total assets | 86.7730% | 1,716 |
| Equity capital to assets | 12.5727% | 1,779 |
| Core capital (leverage) ratio | 11.7968% | 1,897 |
| Tier 1 risk-based capital ratio | 17.9330% | 1,778 |
| Total risk-based capital ratio | 18.8674% | 1,816 |
| Memoranda: | ||
| Average total assets | $106,824,600 | 3,881 |
| Average earning assets | $102,404,800 | 3,826 |
| Average equity | $12,963,000 | 3,890 |
| Average total loans | $43,845,000 | 4,310 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9189% | 4,511 |
| Cost of funding earning assets | 1.0612% | 1,497 |
| Net interest margin | 2.8577% | 4,798 |
| Noninterest income to average assets | 0.3100% | 3,891 |
| Noninterest expense to average assets | 1.8108% | 4,804 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2398% | 2,054 |
| Return on assets (ROA) | 1.2398% | 2,134 |
| Pretax return on assets | 1.2398% | 2,855 |
| Return on Equity (ROE) | 10.3126% | 2,295 |
| Retained earnings to average equity (ytd only) | 7.6613% | 1,556 |
| Net charge-offs to loans | -0.0367% | 4,763 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3583% | 3,756 |
| Assets per employee ($millions) | 7.1461% | 972 |
| Cash dividends to net income (ytd only)* | 25.7086% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5020% | 1,243 |
| Loan loss allowance to noncurrent loans | 411.8012% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.1502% | 3,989 |
| Noncurrent loans to loans | 0.3647% | 3,244 |
| Net loans and leases to total assets | 40.5603% | 4,799 |
| Net loans and leases to deposits | 46.9529% | 4,845 |
| Net loans and leases to core deposits | 64.6700% | 4,339 |
| Total domestic deposits to total assets | 86.3851% | 1,829 |
| Equity capital to assets | 12.9386% | 1,663 |
| Core capital (leverage) ratio | 11.9990% | 1,852 |
| Tier 1 risk-based capital ratio | 18.4965% | 1,687 |
| Total risk-based capital ratio | 19.4424% | 1,724 |
| Memoranda: | ||
| Average total assets | $106,249,500 | 3,933 |
| Average earning assets | $101,896,250 | 3,878 |
| Average equity | $12,773,750 | 3,947 |
| Average total loans | $43,609,250 | 4,371 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9373% | 4,501 |
| Cost of funding earning assets | 1.0547% | 1,476 |
| Net interest margin | 2.8826% | 4,842 |
| Noninterest income to average assets | 0.3172% | 3,808 |
| Noninterest expense to average assets | 1.7935% | 4,884 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2895% | 1,821 |
| Return on assets (ROA) | 1.2895% | 1,878 |
| Pretax return on assets | 1.2895% | 2,600 |
| Return on Equity (ROE) | 11.0084% | 1,967 |
| Retained earnings to average equity (ytd only) | 8.2845% | 1,283 |
| Net charge-offs to loans | -0.0414% | 4,778 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1751% | 3,989 |
| Assets per employee ($millions) | 7.5497% | 789 |
| Cash dividends to net income (ytd only)* | 24.7438% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5356% | 1,172 |
| Loan loss allowance to noncurrent loans | 178.8618% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3491% | 3,136 |
| Noncurrent loans to loans | 0.8586% | 1,890 |
| Net loans and leases to total assets | 40.0384% | 4,844 |
| Net loans and leases to deposits | 46.1937% | 4,893 |
| Net loans and leases to core deposits | 63.9482% | 4,414 |
| Total domestic deposits to total assets | 86.6750% | 1,735 |
| Equity capital to assets | 12.6987% | 1,742 |
| Core capital (leverage) ratio | 11.8842% | 1,896 |
| Tier 1 risk-based capital ratio | 18.6832% | 1,626 |
| Total risk-based capital ratio | 19.6508% | 1,658 |
| Memoranda: | ||
| Average total assets | $105,935,670 | 3,960 |
| Average earning assets | $101,644,330 | 3,905 |
| Average equity | $12,408,670 | 3,993 |
| Average total loans | $43,432,330 | 4,406 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9054% | 4,543 |
| Cost of funding earning assets | 1.0048% | 1,549 |
| Net interest margin | 2.9006% | 4,874 |
| Noninterest income to average assets | 0.3508% | 3,510 |
| Noninterest expense to average assets | 1.8594% | 4,851 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2786% | 1,780 |
| Return on assets (ROA) | 1.2786% | 1,820 |
| Pretax return on assets | 1.2786% | 2,537 |
| Return on Equity (ROE) | 11.3930% | 1,782 |
| Retained earnings to average equity (ytd only) | 11.3930% | 725 |
| Net charge-offs to loans | -0.0275% | 4,611 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2548% | 3,917 |
| Assets per employee ($millions) | 8.3892% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 1,297 |
| Loan loss allowance to noncurrent loans | 177.2358% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.3383% | 3,247 |
| Noncurrent loans to loans | 0.8535% | 1,931 |
| Net loans and leases to total assets | 39.0440% | 4,917 |
| Net loans and leases to deposits | 44.3298% | 4,977 |
| Net loans and leases to core deposits | 62.0208% | 4,476 |
| Total domestic deposits to total assets | 88.0762% | 1,298 |
| Equity capital to assets | 11.3627% | 2,513 |
| Core capital (leverage) ratio | 12.0029% | 1,768 |
| Tier 1 risk-based capital ratio | 18.4346% | 1,678 |
| Total risk-based capital ratio | 19.3925% | 1,717 |
| Memoranda: | ||
| Average total assets | $106,055,500 | 4,002 |
| Average earning assets | $101,909,500 | 3,942 |
| Average equity | $11,902,000 | 4,071 |
| Average total loans | $43,659,000 | 4,437 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8090% | 4,469 |
| Cost of funding earning assets | 0.7345% | 1,874 |
| Net interest margin | 3.0745% | 4,685 |
| Noninterest income to average assets | 0.2774% | 4,248 |
| Noninterest expense to average assets | 1.8825% | 4,919 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3459% | 1,631 |
| Return on assets (ROA) | 1.3459% | 1,618 |
| Pretax return on assets | 1.3459% | 2,337 |
| Return on Equity (ROE) | 12.5029% | 1,547 |
| Retained earnings to average equity (ytd only) | 5.8471% | 2,269 |
| Net charge-offs to loans | 0.0848% | 1,935 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 38.0270% | 1,360 |
| Efficiency ratio | 58.3111% | 4,114 |
| Assets per employee ($millions) | 7.3609% | 847 |
| Cash dividends to net income (ytd only)* | 53.2338% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4768% | 1,365 |
| Loan loss allowance to noncurrent loans | 252.3256% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.3474% | 3,154 |
| Noncurrent loans to loans | 0.5853% | 2,537 |
| Net loans and leases to total assets | 42.1457% | 4,878 |
| Net loans and leases to deposits | 47.9986% | 4,931 |
| Net loans and leases to core deposits | 64.6569% | 4,424 |
| Total domestic deposits to total assets | 87.8062% | 1,388 |
| Equity capital to assets | 11.0740% | 2,617 |
| Core capital (leverage) ratio | 11.8904% | 1,809 |
| Tier 1 risk-based capital ratio | 17.5401% | 1,888 |
| Total risk-based capital ratio | 18.4737% | 1,937 |
| Memoranda: | ||
| Average total assets | $104,540,800 | 4,023 |
| Average earning assets | $100,341,800 | 3,971 |
| Average equity | $11,253,400 | 4,126 |
| Average total loans | $43,641,000 | 4,459 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7386% | 4,572 |
| Cost of funding earning assets | 0.6959% | 1,864 |
| Net interest margin | 3.0428% | 4,792 |
| Noninterest income to average assets | 0.2758% | 4,309 |
| Noninterest expense to average assets | 1.8148% | 5,024 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3840% | 1,542 |
| Return on assets (ROA) | 1.3840% | 1,547 |
| Pretax return on assets | 1.3840% | 2,287 |
| Return on Equity (ROE) | 12.9480% | 1,449 |
| Retained earnings to average equity (ytd only) | 9.8448% | 972 |
| Net charge-offs to loans | 0.1195% | 1,312 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 27.9223% | 1,687 |
| Efficiency ratio | 56.7342% | 4,286 |
| Assets per employee ($millions) | 7.4444% | 794 |
| Cash dividends to net income (ytd only)* | 23.9669% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4485% | 1,530 |
| Loan loss allowance to noncurrent loans | 889.0411% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.1660% | 4,135 |
| Noncurrent loans to loans | 0.1629% | 4,153 |
| Net loans and leases to total assets | 42.3686% | 4,942 |
| Net loans and leases to deposits | 47.8703% | 5,012 |
| Net loans and leases to core deposits | 64.9291% | 4,463 |
| Total domestic deposits to total assets | 88.5071% | 1,047 |
| Equity capital to assets | 10.6706% | 2,959 |
| Core capital (leverage) ratio | 12.0058% | 1,784 |
| Tier 1 risk-based capital ratio | 17.2103% | 2,017 |
| Total risk-based capital ratio | 18.1110% | 2,102 |
| Memoranda: | ||
| Average total assets | $104,913,000 | 4,054 |
| Average earning assets | $100,783,500 | 4,001 |
| Average equity | $11,213,750 | 4,172 |
| Average total loans | $43,530,500 | 4,513 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7039% | 4,575 |
| Cost of funding earning assets | 0.6579% | 1,879 |
| Net interest margin | 3.0459% | 4,816 |
| Noninterest income to average assets | 0.2682% | 4,392 |
| Noninterest expense to average assets | 1.7842% | 5,116 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4076% | 1,411 |
| Return on assets (ROA) | 1.4076% | 1,414 |
| Pretax return on assets | 1.4076% | 2,116 |
| Return on Equity (ROE) | 13.1618% | 1,317 |
| Retained earnings to average equity (ytd only) | 10.0492% | 915 |
| Net charge-offs to loans | 0.1160% | 1,233 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 29.6000% | 1,517 |
| Efficiency ratio | 55.8999% | 4,487 |
| Assets per employee ($millions) | 6.9989% | 920 |
| Cash dividends to net income (ytd only)* | 23.6486% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5193% | 1,336 |
| Loan loss allowance to noncurrent loans | 225.9386% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3743% | 3,248 |
| Noncurrent loans to loans | 0.6724% | 2,425 |
| Net loans and leases to total assets | 40.8752% | 5,026 |
| Net loans and leases to deposits | 46.0622% | 5,098 |
| Net loans and leases to core deposits | 63.1430% | 4,541 |
| Total domestic deposits to total assets | 88.7391% | 1,043 |
| Equity capital to assets | 10.7094% | 2,921 |
| Core capital (leverage) ratio | 11.5872% | 1,994 |
| Tier 1 risk-based capital ratio | 16.8591% | 2,145 |
| Total risk-based capital ratio | 17.7786% | 2,195 |
| Memoranda: | ||
| Average total assets | $105,143,670 | 4,089 |
| Average earning assets | $100,921,330 | 4,034 |
| Average equity | $11,244,670 | 4,196 |
| Average total loans | $43,105,330 | 4,564 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6358% | 4,626 |
| Cost of funding earning assets | 0.6119% | 1,966 |
| Net interest margin | 3.0239% | 4,845 |
| Noninterest income to average assets | 0.2471% | 4,520 |
| Noninterest expense to average assets | 1.8779% | 5,056 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2811% | 1,713 |
| Return on assets (ROA) | 1.2811% | 1,718 |
| Pretax return on assets | 1.2811% | 2,436 |
| Return on Equity (ROE) | 11.9870% | 1,583 |
| Retained earnings to average equity (ytd only) | 11.9870% | 684 |
| Net charge-offs to loans | -0.0467% | 4,940 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4465% | 4,136 |
| Assets per employee ($millions) | 6.9982% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6125% | 1,128 |
| Loan loss allowance to noncurrent loans | 505.8394% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 3,971 |
| Noncurrent loans to loans | 0.3188% | 3,622 |
| Net loans and leases to total assets | 40.2808% | 5,058 |
| Net loans and leases to deposits | 46.1792% | 5,093 |
| Net loans and leases to core deposits | 61.7195% | 4,569 |
| Total domestic deposits to total assets | 87.2272% | 2,027 |
| Equity capital to assets | 10.4408% | 3,130 |
| Core capital (leverage) ratio | 11.3374% | 2,133 |
| Tier 1 risk-based capital ratio | 16.8489% | 2,161 |
| Total risk-based capital ratio | 17.8294% | 2,195 |
| Memoranda: | ||
| Average total assets | $105,224,000 | 4,139 |
| Average earning assets | $101,326,500 | 4,075 |
| Average equity | $11,245,500 | 4,239 |
| Average total loans | $42,871,000 | 4,615 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5493% | 4,695 |
| Cost of funding earning assets | 0.5151% | 2,210 |
| Net interest margin | 3.0342% | 4,815 |
| Noninterest income to average assets | 0.3091% | 4,246 |
| Noninterest expense to average assets | 1.7301% | 5,301 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.5051% | 796 |
| Return on assets (ROA) | 1.5462% | 742 |
| Pretax return on assets | 1.5462% | 1,464 |
| Return on Equity (ROE) | 14.6396% | 669 |
| Retained earnings to average equity (ytd only) | 8.0801% | 736 |
| Net charge-offs to loans | 0.0438% | 2,915 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 89.5556% | 702 |
| Efficiency ratio | 53.4776% | 4,989 |
| Assets per employee ($millions) | 7.5339% | 751 |
| Cash dividends to net income (ytd only)* | 44.8068% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6088% | 1,126 |
| Loan loss allowance to noncurrent loans | 2,084.8485% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 4,496 |
| Noncurrent loans to loans | 0.0772% | 4,651 |
| Net loans and leases to total assets | 39.8929% | 5,134 |
| Net loans and leases to deposits | 45.0759% | 5,211 |
| Net loans and leases to core deposits | 59.4677% | 4,779 |
| Total domestic deposits to total assets | 88.5015% | 1,252 |
| Equity capital to assets | 10.9324% | 2,699 |
| Core capital (leverage) ratio | 10.9426% | 2,389 |
| Tier 1 risk-based capital ratio | 16.4494% | 2,286 |
| Total risk-based capital ratio | 17.4274% | 2,305 |
| Memoranda: | ||
| Average total assets | $107,100,800 | 4,113 |
| Average earning assets | $103,287,800 | 4,039 |
| Average equity | $11,311,800 | 4,255 |
| Average total loans | $41,082,200 | 4,698 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5285% | 4,744 |
| Cost of funding earning assets | 0.5066% | 2,210 |
| Net interest margin | 3.0219% | 4,871 |
| Noninterest income to average assets | 0.3051% | 4,348 |
| Noninterest expense to average assets | 1.6185% | 5,439 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6011% | 717 |
| Return on assets (ROA) | 1.6557% | 652 |
| Pretax return on assets | 1.6557% | 1,231 |
| Return on Equity (ROE) | 15.8120% | 545 |
| Retained earnings to average equity (ytd only) | 12.7917% | 236 |
| Net charge-offs to loans | 0.0098% | 3,376 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 430.3225% | 227 |
| Efficiency ratio | 50.2696% | 5,232 |
| Assets per employee ($millions) | 7.6625% | 712 |
| Cash dividends to net income (ytd only)* | 19.1010% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7333% | 974 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 37.1522% | 5,298 |
| Net loans and leases to deposits | 42.8558% | 5,340 |
| Net loans and leases to core deposits | 56.5119% | 4,968 |
| Total domestic deposits to total assets | 86.6912% | 2,000 |
| Equity capital to assets | 11.5591% | 2,311 |
| Core capital (leverage) ratio | 11.1079% | 2,360 |
| Tier 1 risk-based capital ratio | 17.3726% | 2,047 |
| Total risk-based capital ratio | 18.4131% | 2,067 |
| Memoranda: | ||
| Average total assets | $107,507,250 | 4,149 |
| Average earning assets | $103,686,250 | 4,074 |
| Average equity | $11,257,000 | 4,306 |
| Average total loans | $40,661,500 | 4,757 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5237% | 4,704 |
| Cost of funding earning assets | 0.5103% | 2,085 |
| Net interest margin | 3.0134% | 4,879 |
| Noninterest income to average assets | 0.3272% | 4,208 |
| Noninterest expense to average assets | 1.6229% | 5,478 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6136% | 676 |
| Return on assets (ROA) | 1.6712% | 616 |
| Pretax return on assets | 1.6712% | 1,125 |
| Return on Equity (ROE) | 16.5318% | 454 |
| Retained earnings to average equity (ytd only) | 14.9687% | 142 |
| Net charge-offs to loans | 0.0246% | 2,727 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 173.6000% | 451 |
| Efficiency ratio | 50.1436% | 5,297 |
| Assets per employee ($millions) | 7.6673% | 697 |
| Cash dividends to net income (ytd only)* | 9.4549% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7384% | 999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 36.9138% | 5,340 |
| Net loans and leases to deposits | 42.8840% | 5,373 |
| Net loans and leases to core deposits | 56.4903% | 4,976 |
| Total domestic deposits to total assets | 86.0781% | 2,348 |
| Equity capital to assets | 11.3954% | 2,415 |
| Core capital (leverage) ratio | 10.6551% | 2,754 |
| Tier 1 risk-based capital ratio | 16.7832% | 2,206 |
| Total risk-based capital ratio | 17.8088% | 2,249 |
| Memoranda: | ||
| Average total assets | $107,584,670 | 4,174 |
| Average earning assets | $103,867,670 | 4,102 |
| Average equity | $10,876,000 | 4,378 |
| Average total loans | $40,696,000 | 4,783 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5122% | 4,661 |
| Cost of funding earning assets | 0.5045% | 2,049 |
| Net interest margin | 3.0077% | 4,878 |
| Noninterest income to average assets | 0.3454% | 4,081 |
| Noninterest expense to average assets | 1.6007% | 5,557 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6452% | 615 |
| Return on assets (ROA) | 1.6489% | 626 |
| Pretax return on assets | 1.6489% | 1,128 |
| Return on Equity (ROE) | 17.4152% | 380 |
| Retained earnings to average equity (ytd only) | 17.4152% | 158 |
| Net charge-offs to loans | -0.0587% | 5,252 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3135% | 5,411 |
| Assets per employee ($millions) | 7.7596% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6960% | 1,147 |
| Loan loss allowance to noncurrent loans | 71,200.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 5,393 |
| Noncurrent loans to loans | 0.0024% | 5,270 |
| Net loans and leases to total assets | 37.9887% | 5,325 |
| Net loans and leases to deposits | 44.6721% | 5,349 |
| Net loans and leases to core deposits | 59.9997% | 4,776 |
| Total domestic deposits to total assets | 85.0389% | 3,069 |
| Equity capital to assets | 9.7666% | 4,005 |
| Core capital (leverage) ratio | 10.2009% | 3,238 |
| Tier 1 risk-based capital ratio | 16.1200% | 2,501 |
| Total risk-based capital ratio | 17.1538% | 2,537 |
| Memoranda: | ||
| Average total assets | $107,706,000 | 4,210 |
| Average earning assets | $103,868,000 | 4,134 |
| Average equity | $10,198,000 | 4,511 |
| Average total loans | $40,881,500 | 4,818 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4000% | 4,980 |
| Cost of funding earning assets | 0.3815% | 3,184 |
| Net interest margin | 3.0185% | 4,921 |
| Noninterest income to average assets | 0.2961% | 4,622 |
| Noninterest expense to average assets | 1.7128% | 5,552 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.4898% | 843 |
| Return on assets (ROA) | 1.5388% | 794 |
| Pretax return on assets | 1.5388% | 1,464 |
| Return on Equity (ROE) | 15.0343% | 623 |
| Retained earnings to average equity (ytd only) | 9.8993% | 423 |
| Net charge-offs to loans | -0.0261% | 5,196 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4817% | 5,285 |
| Assets per employee ($millions) | 7.6269% | 699 |
| Cash dividends to net income (ytd only)* | 34.1551% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7747% | 991 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 36.5959% | 5,467 |
| Net loans and leases to deposits | 43.6740% | 5,444 |
| Net loans and leases to core deposits | 53.5522% | 5,166 |
| Total domestic deposits to total assets | 83.7933% | 3,502 |
| Equity capital to assets | 9.1649% | 4,627 |
| Core capital (leverage) ratio | 10.0174% | 3,464 |
| Tier 1 risk-based capital ratio | 14.9357% | 2,993 |
| Total risk-based capital ratio | 15.9251% | 3,057 |
| Memoranda: | ||
| Average total assets | $108,070,000 | 4,206 |
| Average earning assets | $104,058,200 | 4,117 |
| Average equity | $11,061,400 | 4,419 |
| Average total loans | $38,326,600 | 4,935 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3767% | 5,065 |
| Cost of funding earning assets | 0.3803% | 3,228 |
| Net interest margin | 2.9964% | 5,019 |
| Noninterest income to average assets | 0.3001% | 4,620 |
| Noninterest expense to average assets | 1.6446% | 5,651 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.5437% | 807 |
| Return on assets (ROA) | 1.6114% | 755 |
| Pretax return on assets | 1.6114% | 1,353 |
| Return on Equity (ROE) | 15.3478% | 627 |
| Retained earnings to average equity (ytd only) | 12.0909% | 292 |
| Net charge-offs to loans | -0.0386% | 5,275 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5818% | 5,409 |
| Assets per employee ($millions) | 7.6592% | 683 |
| Cash dividends to net income (ytd only)* | 21.2216% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8531% | 922 |
| Loan loss allowance to noncurrent loans | 11,766.6667% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 5,517 |
| Noncurrent loans to loans | 0.0157% | 5,333 |
| Net loans and leases to total assets | 34.8712% | 5,594 |
| Net loans and leases to deposits | 41.9701% | 5,580 |
| Net loans and leases to core deposits | 52.2899% | 5,305 |
| Total domestic deposits to total assets | 83.0857% | 3,552 |
| Equity capital to assets | 11.2628% | 2,732 |
| Core capital (leverage) ratio | 9.7921% | 3,818 |
| Tier 1 risk-based capital ratio | 15.6464% | 2,770 |
| Total risk-based capital ratio | 16.6888% | 2,788 |
| Memoranda: | ||
| Average total assets | $108,393,250 | 4,227 |
| Average earning assets | $104,477,500 | 4,131 |
| Average equity | $11,380,250 | 4,399 |
| Average total loans | $37,962,750 | 4,990 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3585% | 5,168 |
| Cost of funding earning assets | 0.3721% | 3,341 |
| Net interest margin | 2.9864% | 5,106 |
| Noninterest income to average assets | 0.3015% | 4,633 |
| Noninterest expense to average assets | 1.6216% | 5,745 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5573% | 792 |
| Return on assets (ROA) | 1.6234% | 728 |
| Pretax return on assets | 1.6234% | 1,299 |
| Return on Equity (ROE) | 15.8414% | 559 |
| Retained earnings to average equity (ytd only) | 12.5224% | 271 |
| Net charge-offs to loans | -0.0369% | 5,233 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0121% | 5,501 |
| Assets per employee ($millions) | 7.9031% | 590 |
| Cash dividends to net income (ytd only)* | 20.9513% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8176% | 1,053 |
| Loan loss allowance to noncurrent loans | 3,190.9091% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 5,517 |
| Noncurrent loans to loans | 0.0570% | 5,227 |
| Net loans and leases to total assets | 34.2733% | 5,669 |
| Net loans and leases to deposits | 41.4764% | 5,638 |
| Net loans and leases to core deposits | 51.5147% | 5,381 |
| Total domestic deposits to total assets | 82.6333% | 3,781 |
| Equity capital to assets | 10.9740% | 3,087 |
| Core capital (leverage) ratio | 9.4614% | 4,252 |
| Tier 1 risk-based capital ratio | 14.9694% | 3,090 |
| Total risk-based capital ratio | 15.9935% | 3,131 |
| Memoranda: | ||
| Average total assets | $108,781,330 | 4,250 |
| Average earning assets | $104,810,000 | 4,152 |
| Average equity | $11,148,000 | 4,469 |
| Average total loans | $37,917,670 | 5,043 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3985% | 5,134 |
| Cost of funding earning assets | 0.3733% | 3,363 |
| Net interest margin | 3.0251% | 5,058 |
| Noninterest income to average assets | 0.3004% | 4,577 |
| Noninterest expense to average assets | 1.6356% | 5,806 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5800% | 733 |
| Return on assets (ROA) | 1.6133% | 726 |
| Pretax return on assets | 1.6133% | 1,262 |
| Return on Equity (ROE) | 16.3365% | 500 |
| Retained earnings to average equity (ytd only) | 16.3365% | 178 |
| Net charge-offs to loans | -0.1597% | 5,791 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8651% | 5,575 |
| Assets per employee ($millions) | 7.2095% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8846% | 991 |
| Loan loss allowance to noncurrent loans | 1,128.5714% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 5,372 |
| Noncurrent loans to loans | 0.1670% | 4,826 |
| Net loans and leases to total assets | 34.2278% | 5,708 |
| Net loans and leases to deposits | 38.7292% | 5,753 |
| Net loans and leases to core deposits | 48.2532% | 5,502 |
| Total domestic deposits to total assets | 88.3774% | 1,420 |
| Equity capital to assets | 10.2244% | 3,823 |
| Core capital (leverage) ratio | 9.1944% | 4,604 |
| Tier 1 risk-based capital ratio | 14.6362% | 3,319 |
| Total risk-based capital ratio | 15.6771% | 3,367 |
| Memoranda: | ||
| Average total assets | $107,850,500 | 4,307 |
| Average earning assets | $103,929,000 | 4,211 |
| Average equity | $10,651,000 | 4,564 |
| Average total loans | $37,565,000 | 5,095 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2755% | 5,387 |
| Cost of funding earning assets | 0.3801% | 3,367 |
| Net interest margin | 2.8953% | 5,344 |
| Noninterest income to average assets | 0.3004% | 4,734 |
| Noninterest expense to average assets | 1.7171% | 5,826 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3693% | 1,103 |
| Return on assets (ROA) | 1.4622% | 961 |
| Pretax return on assets | 1.4622% | 1,677 |
| Return on Equity (ROE) | 16.0529% | 549 |
| Retained earnings to average equity (ytd only) | 11.0799% | 339 |
| Net charge-offs to loans | -0.1034% | 5,785 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6340% | 5,381 |
| Assets per employee ($millions) | 7.1705% | 833 |
| Cash dividends to net income (ytd only)* | 30.9786% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8608% | 1,031 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 34.1286% | 5,771 |
| Net loans and leases to deposits | 39.2205% | 5,800 |
| Net loans and leases to core deposits | 45.8168% | 5,658 |
| Total domestic deposits to total assets | 87.0172% | 2,122 |
| Equity capital to assets | 9.5251% | 4,526 |
| Core capital (leverage) ratio | 8.9891% | 4,899 |
| Tier 1 risk-based capital ratio | 14.3597% | 3,516 |
| Total risk-based capital ratio | 15.4047% | 3,549 |
| Memoranda: | ||
| Average total assets | $105,526,400 | 4,346 |
| Average earning assets | $101,542,800 | 4,248 |
| Average equity | $9,612,000 | 4,724 |
| Average total loans | $34,809,200 | 5,198 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2594% | 5,488 |
| Cost of funding earning assets | 0.3893% | 3,333 |
| Net interest margin | 2.8701% | 5,462 |
| Noninterest income to average assets | 0.3047% | 4,760 |
| Noninterest expense to average assets | 1.6517% | 5,944 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4143% | 1,076 |
| Return on assets (ROA) | 1.5146% | 932 |
| Pretax return on assets | 1.5146% | 1,644 |
| Return on Equity (ROE) | 16.8254% | 486 |
| Retained earnings to average equity (ytd only) | 12.9046% | 285 |
| Net charge-offs to loans | -0.2459% | 6,048 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8716% | 5,528 |
| Assets per employee ($millions) | 7.0779% | 837 |
| Cash dividends to net income (ytd only)* | 23.3027% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0967% | 780 |
| Loan loss allowance to noncurrent loans | 7,230.0000% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 5,766 |
| Noncurrent loans to loans | 0.0290% | 5,508 |
| Net loans and leases to total assets | 31.7984% | 5,930 |
| Net loans and leases to deposits | 36.9588% | 5,956 |
| Net loans and leases to core deposits | 43.5579% | 5,805 |
| Total domestic deposits to total assets | 86.0374% | 2,507 |
| Equity capital to assets | 9.2259% | 5,087 |
| Core capital (leverage) ratio | 9.0667% | 4,919 |
| Tier 1 risk-based capital ratio | 14.6798% | 3,450 |
| Total risk-based capital ratio | 15.8072% | 3,453 |
| Memoranda: | ||
| Average total assets | $105,018,500 | 4,403 |
| Average earning assets | $101,039,750 | 4,303 |
| Average equity | $9,453,750 | 4,816 |
| Average total loans | $34,160,500 | 5,275 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2502% | 5,534 |
| Cost of funding earning assets | 0.3926% | 3,347 |
| Net interest margin | 2.8576% | 5,523 |
| Noninterest income to average assets | 0.3192% | 4,677 |
| Noninterest expense to average assets | 1.6438% | 6,022 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4297% | 1,036 |
| Return on assets (ROA) | 1.5157% | 915 |
| Pretax return on assets | 1.5157% | 1,601 |
| Return on Equity (ROE) | 16.9807% | 494 |
| Retained earnings to average equity (ytd only) | 13.0193% | 305 |
| Net charge-offs to loans | -0.4464% | 6,187 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4826% | 5,623 |
| Assets per employee ($millions) | 6.9149% | 859 |
| Cash dividends to net income (ytd only)* | 23.3291% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2119% | 722 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 31.3711% | 5,998 |
| Net loans and leases to deposits | 35.5470% | 6,046 |
| Net loans and leases to core deposits | 41.5128% | 5,917 |
| Total domestic deposits to total assets | 88.2524% | 1,519 |
| Equity capital to assets | 8.8630% | 5,381 |
| Core capital (leverage) ratio | 8.6899% | 5,331 |
| Tier 1 risk-based capital ratio | 14.6592% | 3,548 |
| Total risk-based capital ratio | 15.8440% | 3,513 |
| Memoranda: | ||
| Average total assets | $104,635,000 | 4,452 |
| Average earning assets | $100,854,330 | 4,348 |
| Average equity | $9,340,000 | 4,869 |
| Average total loans | $34,053,000 | 5,324 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2327% | 5,591 |
| Cost of funding earning assets | 0.4105% | 3,186 |
| Net interest margin | 2.8222% | 5,601 |
| Noninterest income to average assets | 0.3540% | 4,368 |
| Noninterest expense to average assets | 1.6176% | 6,095 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4578% | 926 |
| Return on assets (ROA) | 1.4768% | 947 |
| Pretax return on assets | 1.4768% | 1,636 |
| Return on Equity (ROE) | 16.4870% | 520 |
| Retained earnings to average equity (ytd only) | 16.4870% | 200 |
| Net charge-offs to loans | -0.0465% | 5,482 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5990% | 5,776 |
| Assets per employee ($millions) | 7.0208% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9584% | 1,163 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 31.5653% | 6,015 |
| Net loans and leases to deposits | 34.9607% | 6,095 |
| Net loans and leases to core deposits | 40.6531% | 5,951 |
| Total domestic deposits to total assets | 90.2879% | 615 |
| Equity capital to assets | 9.2743% | 5,000 |
| Core capital (leverage) ratio | 8.4993% | 5,519 |
| Tier 1 risk-based capital ratio | 12.5767% | 4,851 |
| Total risk-based capital ratio | 13.5157% | 4,976 |
| Memoranda: | ||
| Average total assets | $105,091,000 | 4,477 |
| Average earning assets | $101,340,000 | 4,357 |
| Average equity | $9,413,500 | 4,891 |
| Average total loans | $34,442,000 | 5,351 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4080% | 5,515 |
| Cost of funding earning assets | 0.5384% | 2,305 |
| Net interest margin | 2.8695% | 5,697 |
| Noninterest income to average assets | 0.3688% | 4,439 |
| Noninterest expense to average assets | 1.7535% | 6,111 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3661% | 1,148 |
| Return on assets (ROA) | 1.5876% | 762 |
| Pretax return on assets | 1.5876% | 1,274 |
| Return on Equity (ROE) | 18.1409% | 383 |
| Retained earnings to average equity (ytd only) | 12.5491% | 259 |
| Net charge-offs to loans | -0.2474% | 6,300 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2087% | 5,649 |
| Assets per employee ($millions) | 6.9913% | 848 |
| Cash dividends to net income (ytd only)* | 30.8241% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8869% | 1,344 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 32.7243% | 6,092 |
| Net loans and leases to deposits | 37.2665% | 6,125 |
| Net loans and leases to core deposits | 43.6594% | 5,967 |
| Total domestic deposits to total assets | 87.8116% | 1,865 |
| Equity capital to assets | 8.6393% | 5,617 |
| Core capital (leverage) ratio | 8.4279% | 5,636 |
| Tier 1 risk-based capital ratio | 12.0826% | 5,307 |
| Total risk-based capital ratio | 13.0209% | 5,421 |
| Memoranda: | ||
| Average total assets | $97,062,000 | 4,674 |
| Average earning assets | $93,046,800 | 4,578 |
| Average equity | $8,494,600 | 5,085 |
| Average total loans | $34,361,800 | 5,385 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4470% | 5,507 |
| Cost of funding earning assets | 0.5621% | 2,176 |
| Net interest margin | 2.8850% | 5,733 |
| Noninterest income to average assets | 0.3575% | 4,578 |
| Noninterest expense to average assets | 1.7411% | 6,167 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3794% | 1,173 |
| Return on assets (ROA) | 1.4846% | 997 |
| Pretax return on assets | 1.4846% | 1,694 |
| Return on Equity (ROE) | 16.9031% | 560 |
| Retained earnings to average equity (ytd only) | 13.9503% | 255 |
| Net charge-offs to loans | -0.3118% | 6,398 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7951% | 5,678 |
| Assets per employee ($millions) | 6.5943% | 969 |
| Cash dividends to net income (ytd only)* | 17.4693% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8265% | 1,640 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 35.6458% | 6,043 |
| Net loans and leases to deposits | 39.4070% | 6,132 |
| Net loans and leases to core deposits | 46.0168% | 5,957 |
| Total domestic deposits to total assets | 90.4554% | 546 |
| Equity capital to assets | 9.0249% | 5,327 |
| Core capital (leverage) ratio | 8.5794% | 5,570 |
| Tier 1 risk-based capital ratio | 11.9298% | 5,532 |
| Total risk-based capital ratio | 12.8717% | 5,641 |
| Memoranda: | ||
| Average total assets | $95,110,000 | 4,766 |
| Average earning assets | $91,090,750 | 4,669 |
| Average equity | $8,353,250 | 5,157 |
| Average total loans | $34,207,750 | 5,446 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4686% | 5,481 |
| Cost of funding earning assets | 0.5822% | 2,056 |
| Net interest margin | 2.8864% | 5,757 |
| Noninterest income to average assets | 0.3708% | 4,471 |
| Noninterest expense to average assets | 1.7775% | 6,178 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3512% | 1,182 |
| Return on assets (ROA) | 1.5004% | 902 |
| Pretax return on assets | 1.5004% | 1,536 |
| Return on Equity (ROE) | 17.2507% | 528 |
| Retained earnings to average equity (ytd only) | 14.9718% | 218 |
| Net charge-offs to loans | -0.4756% | 6,507 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8120% | 5,674 |
| Assets per employee ($millions) | 6.3384% | 1,095 |
| Cash dividends to net income (ytd only)* | 13.2102% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8384% | 1,732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 36.8411% | 6,013 |
| Net loans and leases to deposits | 41.7271% | 6,080 |
| Net loans and leases to core deposits | 49.5445% | 5,823 |
| Total domestic deposits to total assets | 88.2904% | 1,742 |
| Equity capital to assets | 9.2494% | 5,037 |
| Core capital (leverage) ratio | 8.5695% | 5,562 |
| Tier 1 risk-based capital ratio | 12.0734% | 5,500 |
| Total risk-based capital ratio | 13.0579% | 5,571 |
| Memoranda: | ||
| Average total assets | $93,841,670 | 4,826 |
| Average earning assets | $89,662,670 | 4,737 |
| Average equity | $8,162,000 | 5,223 |
| Average total loans | $33,638,670 | 5,509 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5099% | 5,395 |
| Cost of funding earning assets | 0.5909% | 2,055 |
| Net interest margin | 2.9189% | 5,712 |
| Noninterest income to average assets | 0.3304% | 4,732 |
| Noninterest expense to average assets | 1.7935% | 6,229 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3344% | 1,137 |
| Return on assets (ROA) | 1.4588% | 912 |
| Pretax return on assets | 1.4588% | 1,554 |
| Return on Equity (ROE) | 17.3337% | 500 |
| Retained earnings to average equity (ytd only) | 17.3337% | 205 |
| Net charge-offs to loans | -0.5396% | 6,569 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3388% | 5,717 |
| Assets per employee ($millions) | 5.9254% | 1,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8820% | 1,808 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 34.0935% | 6,176 |
| Net loans and leases to deposits | 37.5212% | 6,269 |
| Net loans and leases to core deposits | 44.2066% | 6,069 |
| Total domestic deposits to total assets | 90.8646% | 621 |
| Equity capital to assets | 8.6724% | 5,466 |
| Core capital (leverage) ratio | 8.3943% | 5,752 |
| Tier 1 risk-based capital ratio | 12.3520% | 5,408 |
| Total risk-based capital ratio | 13.3373% | 5,519 |
| Memoranda: | ||
| Average total assets | $93,224,500 | 4,893 |
| Average earning assets | $89,348,000 | 4,791 |
| Average equity | $7,846,000 | 5,336 |
| Average total loans | $32,616,500 | 5,604 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4761% | 5,691 |
| Cost of funding earning assets | 0.6233% | 2,450 |
| Net interest margin | 2.8528% | 5,894 |
| Noninterest income to average assets | 0.3550% | 4,768 |
| Noninterest expense to average assets | 1.8666% | 6,234 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2039% | 1,549 |
| Return on assets (ROA) | 1.2756% | 1,368 |
| Pretax return on assets | 1.2756% | 2,249 |
| Return on Equity (ROE) | 14.5503% | 842 |
| Retained earnings to average equity (ytd only) | 10.0124% | 561 |
| Net charge-offs to loans | -0.0183% | 6,123 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7910% | 5,378 |
| Assets per employee ($millions) | 6.1095% | 1,195 |
| Cash dividends to net income (ytd only)* | 31.1877% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7838% | 2,116 |
| Loan loss allowance to noncurrent loans | 7,200.0000% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 6,405 |
| Noncurrent loans to loans | 0.0248% | 6,185 |
| Net loans and leases to total assets | 34.6064% | 6,261 |
| Net loans and leases to deposits | 37.8837% | 6,370 |
| Net loans and leases to core deposits | 45.0457% | 6,183 |
| Total domestic deposits to total assets | 91.3489% | 453 |
| Equity capital to assets | 8.1513% | 5,902 |
| Core capital (leverage) ratio | 8.1477% | 6,016 |
| Tier 1 risk-based capital ratio | 11.9949% | 5,613 |
| Total risk-based capital ratio | 12.9244% | 5,750 |
| Memoranda: | ||
| Average total assets | $86,469,600 | 5,068 |
| Average earning assets | $82,304,400 | 4,974 |
| Average equity | $7,580,600 | 5,438 |
| Average total loans | $32,721,200 | 5,635 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4323% | 5,817 |
| Cost of funding earning assets | 0.6206% | 2,643 |
| Net interest margin | 2.8117% | 5,995 |
| Noninterest income to average assets | 0.3788% | 4,684 |
| Noninterest expense to average assets | 1.8189% | 6,316 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2335% | 1,523 |
| Return on assets (ROA) | 1.2335% | 1,600 |
| Pretax return on assets | 1.2335% | 2,569 |
| Return on Equity (ROE) | 13.8092% | 1,034 |
| Retained earnings to average equity (ytd only) | 10.4972% | 685 |
| Net charge-offs to loans | -0.0853% | 6,459 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5897% | 5,485 |
| Assets per employee ($millions) | 7.3533% | 625 |
| Cash dividends to net income (ytd only)* | 23.9844% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9109% | 1,970 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 34.3212% | 6,348 |
| Net loans and leases to deposits | 37.6080% | 6,459 |
| Net loans and leases to core deposits | 44.3353% | 6,288 |
| Total domestic deposits to total assets | 91.2602% | 437 |
| Equity capital to assets | 8.1845% | 6,018 |
| Core capital (leverage) ratio | 8.4046% | 5,857 |
| Tier 1 risk-based capital ratio | 12.2427% | 5,609 |
| Total risk-based capital ratio | 13.2358% | 5,727 |
| Memoranda: | ||
| Average total assets | $85,176,500 | 5,155 |
| Average earning assets | $80,994,250 | 5,056 |
| Average equity | $7,608,250 | 5,492 |
| Average total loans | $32,829,000 | 5,690 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3730% | 5,964 |
| Cost of funding earning assets | 0.6121% | 2,823 |
| Net interest margin | 2.7609% | 6,079 |
| Noninterest income to average assets | 0.3731% | 4,726 |
| Noninterest expense to average assets | 1.7991% | 6,382 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2002% | 1,595 |
| Return on assets (ROA) | 1.2002% | 1,702 |
| Pretax return on assets | 1.2002% | 2,678 |
| Return on Equity (ROE) | 13.0542% | 1,234 |
| Retained earnings to average equity (ytd only) | 10.6760% | 707 |
| Net charge-offs to loans | -0.1135% | 6,531 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9842% | 5,489 |
| Assets per employee ($millions) | 7.0353% | 707 |
| Cash dividends to net income (ytd only)* | 18.2178% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7920% | 2,456 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 38.2348% | 6,168 |
| Net loans and leases to deposits | 42.1199% | 6,324 |
| Net loans and leases to core deposits | 49.6157% | 6,039 |
| Total domestic deposits to total assets | 90.7762% | 632 |
| Equity capital to assets | 8.7109% | 5,535 |
| Core capital (leverage) ratio | 8.3111% | 5,875 |
| Tier 1 risk-based capital ratio | 12.0519% | 5,768 |
| Total risk-based capital ratio | 13.0535% | 5,861 |
| Memoranda: | ||
| Average total assets | $84,155,330 | 5,217 |
| Average earning assets | $80,047,330 | 5,115 |
| Average equity | $7,737,000 | 5,503 |
| Average total loans | $33,480,330 | 5,686 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2771% | 6,192 |
| Cost of funding earning assets | 0.6022% | 3,089 |
| Net interest margin | 2.6749% | 6,261 |
| Noninterest income to average assets | 0.6522% | 2,870 |
| Noninterest expense to average assets | 1.8233% | 6,406 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3663% | 1,109 |
| Return on assets (ROA) | 1.3663% | 1,197 |
| Pretax return on assets | 1.3663% | 1,988 |
| Return on Equity (ROE) | 14.4794% | 865 |
| Retained earnings to average equity (ytd only) | 14.4794% | 400 |
| Net charge-offs to loans | -0.0474% | 6,110 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1642% | 5,940 |
| Assets per employee ($millions) | 5.7637% | 1,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7528% | 2,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 37.2147% | 6,205 |
| Net loans and leases to deposits | 41.2455% | 6,365 |
| Net loans and leases to core deposits | 48.2550% | 6,085 |
| Total domestic deposits to total assets | 90.2273% | 923 |
| Equity capital to assets | 9.3517% | 5,061 |
| Core capital (leverage) ratio | 8.2301% | 5,903 |
| Tier 1 risk-based capital ratio | 12.2149% | 5,780 |
| Total risk-based capital ratio | 13.2221% | 5,898 |
| Memoranda: | ||
| Average total assets | $84,021,500 | 5,269 |
| Average earning assets | $79,703,500 | 5,164 |
| Average equity | $7,928,500 | 5,505 |
| Average total loans | $33,786,500 | 5,713 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8141% | 5,794 |
| Cost of funding earning assets | 0.5958% | 4,397 |
| Net interest margin | 3.2182% | 5,524 |
| Noninterest income to average assets | 0.8381% | 2,095 |
| Noninterest expense to average assets | 2.0545% | 6,224 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.8343% | 485 |
| Return on assets (ROA) | 1.8343% | 542 |
| Pretax return on assets | 1.8343% | 861 |
| Return on Equity (ROE) | 18.5944% | 392 |
| Retained earnings to average equity (ytd only) | 10.5447% | 497 |
| Net charge-offs to loans | -0.4485% | 6,997 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8314% | 6,389 |
| Assets per employee ($millions) | 6.2760% | 1,119 |
| Cash dividends to net income (ytd only)* | 43.2910% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6368% | 3,155 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 41.9853% | 6,011 |
| Net loans and leases to deposits | 46.6410% | 6,204 |
| Net loans and leases to core deposits | 52.3657% | 5,993 |
| Total domestic deposits to total assets | 90.0181% | 941 |
| Equity capital to assets | 9.5259% | 4,837 |
| Core capital (leverage) ratio | 8.3475% | 5,829 |
| Tier 1 risk-based capital ratio | 11.8922% | 5,850 |
| Total risk-based capital ratio | 12.9078% | 5,953 |
| Memoranda: | ||
| Average total assets | $77,194,600 | 5,425 |
| Average earning assets | $73,176,800 | 5,337 |
| Average equity | $7,615,200 | 5,610 |
| Average total loans | $33,223,200 | 5,786 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0709% | 5,291 |
| Cost of funding earning assets | 0.6010% | 4,636 |
| Net interest margin | 3.4698% | 4,759 |
| Noninterest income to average assets | 0.7744% | 2,357 |
| Noninterest expense to average assets | 1.9571% | 6,432 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.1148% | 320 |
| Return on assets (ROA) | 2.1148% | 360 |
| Pretax return on assets | 2.1148% | 554 |
| Return on Equity (ROE) | 21.2419% | 273 |
| Retained earnings to average equity (ytd only) | 13.8504% | 315 |
| Net charge-offs to loans | -0.5850% | 7,101 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0637% | 6,712 |
| Assets per employee ($millions) | 6.0867% | 1,195 |
| Cash dividends to net income (ytd only)* | 34.7973% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6994% | 3,157 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 41.3045% | 6,178 |
| Net loans and leases to deposits | 46.9064% | 6,324 |
| Net loans and leases to core deposits | 53.2296% | 6,100 |
| Total domestic deposits to total assets | 88.0572% | 2,013 |
| Equity capital to assets | 10.0901% | 4,371 |
| Core capital (leverage) ratio | 8.3952% | 5,903 |
| Tier 1 risk-based capital ratio | 13.8688% | 4,636 |
| Total risk-based capital ratio | 15.0458% | 4,648 |
| Memoranda: | ||
| Average total assets | $76,096,250 | 5,514 |
| Average earning assets | $72,317,250 | 5,417 |
| Average equity | $7,576,000 | 5,675 |
| Average total loans | $32,822,750 | 5,884 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0310% | 5,552 |
| Cost of funding earning assets | 0.6191% | 4,729 |
| Net interest margin | 3.4119% | 5,036 |
| Noninterest income to average assets | 1.0388% | 1,355 |
| Noninterest expense to average assets | 2.0164% | 6,399 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.2667% | 253 |
| Return on assets (ROA) | 2.2667% | 286 |
| Pretax return on assets | 2.2667% | 440 |
| Return on Equity (ROE) | 22.8763% | 215 |
| Retained earnings to average equity (ytd only) | 15.3495% | 265 |
| Net charge-offs to loans | -0.3978% | 7,104 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0771% | 6,829 |
| Assets per employee ($millions) | 6.4570% | 984 |
| Cash dividends to net income (ytd only)* | 32.9025% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5108% | 3,967 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 40.9736% | 6,274 |
| Net loans and leases to deposits | 45.7194% | 6,457 |
| Net loans and leases to core deposits | 51.8970% | 6,243 |
| Total domestic deposits to total assets | 89.6198% | 1,150 |
| Equity capital to assets | 9.9362% | 4,442 |
| Core capital (leverage) ratio | 8.3929% | 5,800 |
| Tier 1 risk-based capital ratio | 14.0208% | 4,435 |
| Total risk-based capital ratio | 15.0807% | 4,551 |
| Memoranda: | ||
| Average total assets | $75,086,000 | 5,574 |
| Average earning assets | $71,396,670 | 5,481 |
| Average equity | $7,440,000 | 5,726 |
| Average total loans | $32,681,000 | 5,923 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3011% | 4,731 |
| Cost of funding earning assets | 0.6543% | 4,687 |
| Net interest margin | 3.6469% | 4,057 |
| Noninterest income to average assets | 1.6295% | 547 |
| Noninterest expense to average assets | 1.8785% | 6,682 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 3.2211% | 88 |
| Return on assets (ROA) | 3.2211% | 101 |
| Pretax return on assets | 3.2211% | 150 |
| Return on Equity (ROE) | 32.5559% | 84 |
| Retained earnings to average equity (ytd only) | 32.5559% | 48 |
| Net charge-offs to loans | -0.7659% | 7,191 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.8365% | 7,168 |
| Assets per employee ($millions) | 5.8018% | 1,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4800% | 4,254 |
| Loan loss allowance to noncurrent loans | 254.2105% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 6,254 |
| Noncurrent loans to loans | 0.5822% | 5,501 |
| Net loans and leases to total assets | 42.6297% | 6,133 |
| Net loans and leases to deposits | 47.6411% | 6,311 |
| Net loans and leases to core deposits | 53.9308% | 6,064 |
| Total domestic deposits to total assets | 89.4808% | 1,381 |
| Equity capital to assets | 10.0803% | 4,026 |
| Core capital (leverage) ratio | 8.7194% | 5,263 |
| Tier 1 risk-based capital ratio | 14.2035% | 4,316 |
| Total risk-based capital ratio | 15.2646% | 4,424 |
| Memoranda: | ||
| Average total assets | $73,887,000 | 5,653 |
| Average earning assets | $70,307,000 | 5,552 |
| Average equity | $7,310,500 | 5,787 |
| Average total loans | $32,904,000 | 5,958 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3992% | 5,429 |
| Cost of funding earning assets | 0.8340% | 4,597 |
| Net interest margin | 3.5653% | 4,869 |
| Noninterest income to average assets | 0.0633% | 6,779 |
| Noninterest expense to average assets | 2.1258% | 6,435 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.3259% | 1,182 |
| Return on assets (ROA) | 1.3259% | 1,278 |
| Pretax return on assets | 1.3259% | 2,036 |
| Return on Equity (ROE) | 13.7430% | 1,002 |
| Retained earnings to average equity (ytd only) | 9.2536% | 736 |
| Net charge-offs to loans | 0.0488% | 5,820 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 56.2500% | 506 |
| Efficiency ratio | 61.5877% | 5,523 |
| Assets per employee ($millions) | 7.2350% | 644 |
| Cash dividends to net income (ytd only)* | 32.6667% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 5,089 |
| Loan loss allowance to noncurrent loans | 112.2995% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.5169% | 5,668 |
| Noncurrent loans to loans | 1.1275% | 4,472 |
| Net loans and leases to total assets | 45.2688% | 6,080 |
| Net loans and leases to deposits | 50.3954% | 6,332 |
| Net loans and leases to core deposits | 56.9967% | 6,078 |
| Total domestic deposits to total assets | 89.8272% | 1,084 |
| Equity capital to assets | 9.7001% | 4,592 |
| Core capital (leverage) ratio | 8.1066% | 6,135 |
| Tier 1 risk-based capital ratio | 13.0907% | 4,998 |
| Total risk-based capital ratio | 14.0273% | 5,239 |
| Memoranda: | ||
| Average total assets | $67,879,400 | 5,812 |
| Average earning assets | $64,511,400 | 5,717 |
| Average equity | $6,548,800 | 5,999 |
| Average total loans | $32,768,600 | 6,025 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4306% | 5,497 |
| Cost of funding earning assets | 0.8743% | 4,600 |
| Net interest margin | 3.5562% | 4,954 |
| Noninterest income to average assets | 0.0240% | 7,035 |
| Noninterest expense to average assets | 2.1069% | 6,491 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2961% | 1,385 |
| Return on assets (ROA) | 1.2961% | 1,483 |
| Pretax return on assets | 1.2961% | 2,300 |
| Return on Equity (ROE) | 13.4542% | 1,169 |
| Retained earnings to average equity (ytd only) | 9.9507% | 857 |
| Net charge-offs to loans | -0.0286% | 6,963 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9131% | 5,422 |
| Assets per employee ($millions) | 7.2997% | 637 |
| Cash dividends to net income (ytd only)* | 26.0404% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4395% | 4,377 |
| Loan loss allowance to noncurrent loans | 103.9813% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.5850% | 5,655 |
| Noncurrent loans to loans | 1.3843% | 4,217 |
| Net loans and leases to total assets | 41.6469% | 6,521 |
| Net loans and leases to deposits | 46.3508% | 6,726 |
| Net loans and leases to core deposits | 52.5841% | 6,537 |
| Total domestic deposits to total assets | 89.8516% | 949 |
| Equity capital to assets | 9.6401% | 4,871 |
| Core capital (leverage) ratio | 8.1207% | 6,257 |
| Tier 1 risk-based capital ratio | 13.2410% | 4,920 |
| Total risk-based capital ratio | 14.2643% | 5,056 |
| Memoranda: | ||
| Average total assets | $66,761,750 | 5,886 |
| Average earning assets | $63,436,750 | 5,790 |
| Average equity | $6,431,500 | 6,076 |
| Average total loans | $32,667,750 | 6,091 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5558% | 5,152 |
| Cost of funding earning assets | 0.9248% | 4,489 |
| Net interest margin | 3.6310% | 4,597 |
| Noninterest income to average assets | -0.0402% | 7,248 |
| Noninterest expense to average assets | 2.1706% | 6,454 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2368% | 1,471 |
| Return on assets (ROA) | 1.2368% | 1,548 |
| Pretax return on assets | 1.2368% | 2,355 |
| Return on Equity (ROE) | 12.8418% | 1,236 |
| Retained earnings to average equity (ytd only) | 9.4708% | 968 |
| Net charge-offs to loans | -0.0240% | 6,864 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7024% | 5,295 |
| Assets per employee ($millions) | 5.6790% | 1,415 |
| Cash dividends to net income (ytd only)* | 26.2500% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 4,443 |
| Loan loss allowance to noncurrent loans | 117.2872% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.5517% | 5,821 |
| Noncurrent loans to loans | 1.2190% | 4,628 |
| Net loans and leases to total assets | 44.6132% | 6,381 |
| Net loans and leases to deposits | 49.6286% | 6,629 |
| Net loans and leases to core deposits | 56.8036% | 6,359 |
| Total domestic deposits to total assets | 89.8941% | 1,021 |
| Equity capital to assets | 9.5821% | 4,684 |
| Core capital (leverage) ratio | 8.5343% | 5,498 |
| Tier 1 risk-based capital ratio | 13.4760% | 4,546 |
| Total risk-based capital ratio | 14.5451% | 4,668 |
| Memoranda: | ||
| Average total assets | $64,683,330 | 5,993 |
| Average earning assets | $61,416,000 | 5,914 |
| Average equity | $6,229,670 | 6,164 |
| Average total loans | $33,275,330 | 6,116 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6713% | 4,643 |
| Cost of funding earning assets | 0.9558% | 4,526 |
| Net interest margin | 3.7155% | 4,021 |
| Noninterest income to average assets | 0.1970% | 6,312 |
| Noninterest expense to average assets | 2.3129% | 6,154 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3916% | 1,077 |
| Return on assets (ROA) | 1.3916% | 1,120 |
| Pretax return on assets | 1.3916% | 1,748 |
| Return on Equity (ROE) | 14.4091% | 919 |
| Retained earnings to average equity (ytd only) | 14.4091% | 444 |
| Net charge-offs to loans | -0.0464% | 6,856 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4357% | 5,606 |
| Assets per employee ($millions) | 5.3604% | 1,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3329% | 4,980 |
| Loan loss allowance to noncurrent loans | 156.9395% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.5457% | 5,875 |
| Noncurrent loans to loans | 0.8493% | 5,347 |
| Net loans and leases to total assets | 50.7485% | 5,744 |
| Net loans and leases to deposits | 56.4258% | 6,091 |
| Net loans and leases to core deposits | 64.7493% | 5,646 |
| Total domestic deposits to total assets | 89.9386% | 1,181 |
| Equity capital to assets | 9.6183% | 4,291 |
| Core capital (leverage) ratio | 8.7477% | 5,002 |
| Tier 1 risk-based capital ratio | 13.3100% | 4,567 |
| Total risk-based capital ratio | 14.3804% | 4,707 |
| Memoranda: | ||
| Average total assets | $62,951,000 | 6,098 |
| Average earning assets | $59,427,000 | 6,015 |
| Average equity | $6,079,500 | 6,216 |
| Average total loans | $34,491,000 | 6,106 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9544% | 4,770 |
| Cost of funding earning assets | 1.1742% | 4,705 |
| Net interest margin | 3.7802% | 4,026 |
| Noninterest income to average assets | 0.3756% | 5,093 |
| Noninterest expense to average assets | 2.3297% | 6,273 |
| Loan and lease loss provision to assets | 0.1619% | 5,595 |
| Net operating income to assets | 1.4490% | 857 |
| Return on assets (ROA) | 1.4716% | 878 |
| Pretax return on assets | 1.4716% | 1,448 |
| Return on Equity (ROE) | 15.2809% | 680 |
| Retained earnings to average equity (ytd only) | 8.6407% | 803 |
| Net charge-offs to loans | 0.3025% | 4,502 |
| Credit loss provision to net charge-offs | 97.0874% | 4,781 |
| Earnings coverage of net charge-offs (x) | 9.6602% | 1,798 |
| Efficiency ratio | 59.1208% | 6,175 |
| Assets per employee ($millions) | 5.1314% | 1,973 |
| Cash dividends to net income (ytd only)* | 43.4543% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2174% | 5,429 |
| Loan loss allowance to noncurrent loans | 93.7768% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.8705% | 5,270 |
| Noncurrent loans to loans | 1.2982% | 4,545 |
| Net loans and leases to total assets | 57.5864% | 5,090 |
| Net loans and leases to deposits | 64.1984% | 5,605 |
| Net loans and leases to core deposits | 75.0095% | 4,851 |
| Total domestic deposits to total assets | 89.7007% | 1,269 |
| Equity capital to assets | 9.6984% | 4,140 |
| Core capital (leverage) ratio | 8.4294% | 5,484 |
| Tier 1 risk-based capital ratio | 12.1490% | 5,337 |
| Total risk-based capital ratio | 13.1573% | 5,544 |
| Memoranda: | ||
| Average total assets | $61,768,400 | 6,137 |
| Average earning assets | $58,251,000 | 6,056 |
| Average equity | $5,948,600 | 6,380 |
| Average total loans | $34,046,000 | 6,205 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9182% | 5,186 |
| Cost of funding earning assets | 1.2147% | 4,773 |
| Net interest margin | 3.7035% | 4,382 |
| Noninterest income to average assets | 0.4184% | 4,810 |
| Noninterest expense to average assets | 2.2237% | 6,541 |
| Loan and lease loss provision to assets | 0.1079% | 5,954 |
| Net operating income to assets | 1.5853% | 766 |
| Return on assets (ROA) | 1.6155% | 793 |
| Pretax return on assets | 1.6155% | 1,309 |
| Return on Equity (ROE) | 16.8043% | 614 |
| Retained earnings to average equity (ytd only) | 11.3301% | 553 |
| Net charge-offs to loans | 0.4089% | 3,657 |
| Credit loss provision to net charge-offs | 48.5437% | 5,905 |
| Earnings coverage of net charge-offs (x) | 7.6214% | 2,292 |
| Efficiency ratio | 56.7731% | 6,446 |
| Assets per employee ($millions) | 5.1252% | 2,025 |
| Cash dividends to net income (ytd only)* | 32.5773% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 5,818 |
| Loan loss allowance to noncurrent loans | 27.8618% | 6,458 |
| Noncurrent assets plus other real estate owned to assets | 2.3723% | 3,004 |
| Noncurrent loans to loans | 4.0518% | 1,841 |
| Net loans and leases to total assets | 55.1104% | 5,677 |
| Net loans and leases to deposits | 61.6883% | 6,149 |
| Net loans and leases to core deposits | 71.8063% | 5,536 |
| Total domestic deposits to total assets | 89.3369% | 1,207 |
| Equity capital to assets | 10.0582% | 4,082 |
| Core capital (leverage) ratio | 8.4962% | 5,512 |
| Tier 1 risk-based capital ratio | 12.4393% | 5,041 |
| Total risk-based capital ratio | 13.3611% | 5,315 |
| Memoranda: | ||
| Average total assets | $61,816,250 | 6,199 |
| Average earning assets | $58,393,500 | 6,115 |
| Average equity | $5,942,750 | 6,464 |
| Average total loans | $33,583,250 | 6,313 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9973% | 4,952 |
| Cost of funding earning assets | 1.2510% | 4,820 |
| Net interest margin | 3.7463% | 4,155 |
| Noninterest income to average assets | 0.4263% | 4,704 |
| Noninterest expense to average assets | 2.1544% | 6,756 |
| Loan and lease loss provision to assets | 0.1615% | 5,277 |
| Net operating income to assets | 1.6408% | 664 |
| Return on assets (ROA) | 1.6860% | 651 |
| Pretax return on assets | 1.6860% | 1,082 |
| Return on Equity (ROE) | 17.8106% | 479 |
| Retained earnings to average equity (ytd only) | 11.1572% | 618 |
| Net charge-offs to loans | 0.6417% | 2,617 |
| Credit loss provision to net charge-offs | 46.7290% | 5,491 |
| Earnings coverage of net charge-offs (x) | 5.2150% | 2,721 |
| Efficiency ratio | 54.4490% | 6,824 |
| Assets per employee ($millions) | 5.1088% | 2,032 |
| Cash dividends to net income (ytd only)* | 37.3563% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0935% | 5,974 |
| Loan loss allowance to noncurrent loans | 22.6896% | 6,806 |
| Noncurrent assets plus other real estate owned to assets | 2.8676% | 2,515 |
| Noncurrent loans to loans | 4.8194% | 1,470 |
| Net loans and leases to total assets | 56.5076% | 5,623 |
| Net loans and leases to deposits | 64.8265% | 5,931 |
| Net loans and leases to core deposits | 74.9632% | 5,324 |
| Total domestic deposits to total assets | 87.1674% | 2,447 |
| Equity capital to assets | 9.7790% | 4,297 |
| Core capital (leverage) ratio | 8.0674% | 6,169 |
| Tier 1 risk-based capital ratio | 11.8490% | 5,450 |
| Total risk-based capital ratio | 12.7427% | 5,748 |
| Memoranda: | ||
| Average total assets | $61,921,000 | 6,239 |
| Average earning assets | $58,351,670 | 6,159 |
| Average equity | $5,861,670 | 6,511 |
| Average total loans | $33,350,670 | 6,367 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8850% | 5,539 |
| Cost of funding earning assets | 1.2554% | 5,085 |
| Net interest margin | 3.6297% | 4,581 |
| Noninterest income to average assets | 0.4307% | 4,659 |
| Noninterest expense to average assets | 2.1276% | 6,869 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7227% | 586 |
| Return on assets (ROA) | 1.8127% | 532 |
| Pretax return on assets | 1.8127% | 858 |
| Return on Equity (ROE) | 19.4651% | 411 |
| Retained earnings to average equity (ytd only) | 19.4651% | 199 |
| Net charge-offs to loans | -0.0861% | 7,492 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2588% | 6,852 |
| Assets per employee ($millions) | 5.2056% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 4,850 |
| Loan loss allowance to noncurrent loans | 97.1739% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.7364% | 5,692 |
| Noncurrent loans to loans | 1.3527% | 4,716 |
| Net loans and leases to total assets | 53.7244% | 6,060 |
| Net loans and leases to deposits | 63.8448% | 6,064 |
| Net loans and leases to core deposits | 73.5304% | 5,541 |
| Total domestic deposits to total assets | 84.1484% | 4,077 |
| Equity capital to assets | 9.5186% | 4,505 |
| Core capital (leverage) ratio | 7.8871% | 6,396 |
| Tier 1 risk-based capital ratio | 11.9231% | 5,277 |
| Total risk-based capital ratio | 12.9821% | 5,413 |
| Memoranda: | ||
| Average total assets | $62,229,000 | 6,300 |
| Average earning assets | $58,628,000 | 6,221 |
| Average equity | $5,795,000 | 6,588 |
| Average total loans | $32,513,500 | 6,485 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4172% | 4,612 |
| Cost of funding earning assets | 1.5447% | 5,312 |
| Net interest margin | 3.8725% | 3,389 |
| Noninterest income to average assets | 0.4001% | 5,197 |
| Noninterest expense to average assets | 2.4465% | 6,314 |
| Loan and lease loss provision to assets | 0.0855% | 6,754 |
| Net operating income to assets | 1.5285% | 636 |
| Return on assets (ROA) | 1.5780% | 611 |
| Pretax return on assets | 1.5780% | 1,009 |
| Return on Equity (ROE) | 17.2221% | 436 |
| Retained earnings to average equity (ytd only) | 6.1947% | 1,274 |
| Net charge-offs to loans | 0.3396% | 4,529 |
| Credit loss provision to net charge-offs | 53.1915% | 6,708 |
| Earnings coverage of net charge-offs (x) | 10.0426% | 1,728 |
| Efficiency ratio | 60.2526% | 6,449 |
| Assets per employee ($millions) | 4.4279% | 3,052 |
| Cash dividends to net income (ytd only)* | 64.0303% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 4,126 |
| Loan loss allowance to noncurrent loans | 628.5714% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 7,204 |
| Noncurrent loans to loans | 0.2257% | 6,869 |
| Net loans and leases to total assets | 49.3297% | 6,699 |
| Net loans and leases to deposits | 58.2221% | 6,772 |
| Net loans and leases to core deposits | 89.4152% | 5,187 |
| Total domestic deposits to total assets | 84.7268% | 3,697 |
| Equity capital to assets | 9.1045% | 4,982 |
| Core capital (leverage) ratio | 7.7506% | 6,500 |
| Tier 1 risk-based capital ratio | 11.7758% | 5,127 |
| Total risk-based capital ratio | 12.8699% | 5,235 |
| Memoranda: | ||
| Average total assets | $58,490,600 | 6,412 |
| Average earning assets | $55,287,000 | 6,324 |
| Average equity | $5,359,400 | 6,819 |
| Average total loans | $27,683,200 | 6,760 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5273% | 4,288 |
| Cost of funding earning assets | 1.5988% | 5,404 |
| Net interest margin | 3.9285% | 3,131 |
| Noninterest income to average assets | 0.3888% | 5,398 |
| Noninterest expense to average assets | 2.3095% | 6,672 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.7981% | 442 |
| Return on assets (ROA) | 1.8652% | 410 |
| Pretax return on assets | 1.8652% | 706 |
| Return on Equity (ROE) | 20.3213% | 289 |
| Retained earnings to average equity (ytd only) | 9.7068% | 688 |
| Net charge-offs to loans | -0.3178% | 8,001 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2254% | 6,967 |
| Assets per employee ($millions) | 4.3219% | 3,168 |
| Cash dividends to net income (ytd only)* | 52.2333% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8833% | 2,075 |
| Loan loss allowance to noncurrent loans | 239.3013% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.3785% | 6,529 |
| Noncurrent loans to loans | 0.7870% | 5,727 |
| Net loans and leases to total assets | 47.1854% | 7,016 |
| Net loans and leases to deposits | 55.1254% | 7,140 |
| Net loans and leases to core deposits | 84.5700% | 5,997 |
| Total domestic deposits to total assets | 85.5965% | 2,921 |
| Equity capital to assets | 9.4073% | 4,872 |
| Core capital (leverage) ratio | 8.4087% | 5,654 |
| Tier 1 risk-based capital ratio | 12.6086% | 4,466 |
| Total risk-based capital ratio | 13.8615% | 4,413 |
| Memoranda: | ||
| Average total assets | $57,615,500 | 6,481 |
| Average earning assets | $54,540,250 | 6,396 |
| Average equity | $5,288,250 | 6,908 |
| Average total loans | $26,849,000 | 6,861 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6412% | 3,859 |
| Cost of funding earning assets | 1.6347% | 5,585 |
| Net interest margin | 4.0066% | 2,671 |
| Noninterest income to average assets | 0.3883% | 5,392 |
| Noninterest expense to average assets | 2.2241% | 6,994 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.9629% | 324 |
| Return on assets (ROA) | 2.0476% | 288 |
| Pretax return on assets | 2.0476% | 501 |
| Return on Equity (ROE) | 22.5082% | 215 |
| Retained earnings to average equity (ytd only) | 10.6720% | 618 |
| Net charge-offs to loans | -0.2222% | 8,040 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1197% | 7,416 |
| Assets per employee ($millions) | 4.3299% | 3,058 |
| Cash dividends to net income (ytd only)* | 52.5862% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9155% | 1,756 |
| Loan loss allowance to noncurrent loans | 224.0175% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.4068% | 6,448 |
| Noncurrent loans to loans | 0.8551% | 5,511 |
| Net loans and leases to total assets | 46.6681% | 7,149 |
| Net loans and leases to deposits | 52.6148% | 7,350 |
| Net loans and leases to core deposits | 79.3769% | 6,455 |
| Total domestic deposits to total assets | 88.6976% | 1,437 |
| Equity capital to assets | 9.3464% | 4,805 |
| Core capital (leverage) ratio | 8.3648% | 5,688 |
| Tier 1 risk-based capital ratio | 13.1492% | 4,040 |
| Total risk-based capital ratio | 14.3885% | 3,962 |
| Memoranda: | ||
| Average total assets | $56,652,000 | 6,565 |
| Average earning assets | $53,711,670 | 6,485 |
| Average equity | $5,153,670 | 7,011 |
| Average total loans | $26,099,330 | 6,960 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7429% | 3,571 |
| Cost of funding earning assets | 1.6599% | 5,777 |
| Net interest margin | 4.0830% | 2,347 |
| Noninterest income to average assets | 0.3730% | 5,438 |
| Noninterest expense to average assets | 2.1044% | 7,106 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.1466% | 258 |
| Return on assets (ROA) | 2.3155% | 216 |
| Pretax return on assets | 2.3155% | 353 |
| Return on Equity (ROE) | 25.8039% | 168 |
| Retained earnings to average equity (ytd only) | 25.8039% | 73 |
| Net charge-offs to loans | -0.3106% | 8,070 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5033% | 7,624 |
| Assets per employee ($millions) | 4.2925% | 3,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9397% | 1,540 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 45.6606% | 7,215 |
| Net loans and leases to deposits | 52.5069% | 7,368 |
| Net loans and leases to core deposits | 78.5813% | 6,494 |
| Total domestic deposits to total assets | 86.9613% | 2,237 |
| Equity capital to assets | 9.5120% | 4,647 |
| Core capital (leverage) ratio | 8.2199% | 6,059 |
| Tier 1 risk-based capital ratio | 13.6012% | 3,799 |
| Total risk-based capital ratio | 14.8524% | 3,720 |
| Memoranda: | ||
| Average total assets | $56,833,500 | 6,585 |
| Average earning assets | $53,979,500 | 6,502 |
| Average equity | $5,100,000 | 7,077 |
| Average total loans | $25,758,000 | 7,011 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1938% | 4,549 |
| Cost of funding earning assets | 2.3934% | 4,742 |
| Net interest margin | 3.8005% | 4,015 |
| Noninterest income to average assets | 0.4411% | 5,109 |
| Noninterest expense to average assets | 2.1525% | 7,107 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.7020% | 674 |
| Return on assets (ROA) | 1.7020% | 641 |
| Pretax return on assets | 1.8622% | 828 |
| Return on Equity (ROE) | 20.5162% | 337 |
| Retained earnings to average equity (ytd only) | 8.4973% | 704 |
| Net charge-offs to loans | -0.3283% | 8,200 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6150% | 7,314 |
| Assets per employee ($millions) | 4.4511% | 2,695 |
| Cash dividends to net income (ytd only)* | 58.5825% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8957% | 1,425 |
| Loan loss allowance to noncurrent loans | 48,400.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 7,660 |
| Noncurrent loans to loans | 0.0039% | 7,548 |
| Net loans and leases to total assets | 43.2877% | 7,512 |
| Net loans and leases to deposits | 51.1946% | 7,574 |
| Net loans and leases to core deposits | 75.2870% | 6,898 |
| Total domestic deposits to total assets | 84.5552% | 3,043 |
| Equity capital to assets | 8.4543% | 6,166 |
| Core capital (leverage) ratio | 7.8662% | 6,706 |
| Tier 1 risk-based capital ratio | 12.6369% | 4,333 |
| Total risk-based capital ratio | 13.8891% | 4,249 |
| Memoranda: | ||
| Average total assets | $53,054,600 | 6,657 |
| Average earning assets | $49,888,200 | 6,592 |
| Average equity | $4,401,400 | 7,360 |
| Average total loans | $23,761,800 | 7,087 |