Home > Exchange State Bank > Performance and Condition Ratios
Exchange State 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 | 4.7913% | 2,485 |
| Cost of funding earning assets | 1.0517% | 3,190 |
| Net interest margin | 3.7396% | 1,672 |
| Noninterest income to average assets | 0.0500% | 4,441 |
| Noninterest expense to average assets | 1.6130% | 4,237 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.9430% | 504 |
| Return on assets (ROA) | 1.9430% | 480 |
| Pretax return on assets | 1.9801% | 697 |
| Return on Equity (ROE) | 21.4300% | 505 |
| Retained earnings to average equity (ytd only) | 7.6560% | 1,654 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 44.8915% | 4,225 |
| Assets per employee ($millions) | 9.4758% | 836 |
| Cash dividends to net income (ytd only)* | 64.2774% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8808% | 3,778 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 83.3000% | 320 |
| Net loans and leases to deposits | 100.9888% | 480 |
| Net loans and leases to core deposits | 109.0141% | 992 |
| Total domestic deposits to total assets | 82.4900% | 3,030 |
| Equity capital to assets | 9.4331% | 2,396 |
| Core capital (leverage) ratio | 10.2321% | 2,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $132,112,600 | 3,531 |
| Average earning assets | $125,039,200 | 3,489 |
| Average equity | $11,977,600 | 3,526 |
| Average total loans | $106,390,400 | 3,116 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7494% | 2,374 |
| Cost of funding earning assets | 0.9672% | 3,122 |
| Net interest margin | 3.7822% | 1,637 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 1.6568% | 4,180 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.9377% | 542 |
| Return on assets (ROA) | 1.9377% | 535 |
| Pretax return on assets | 1.9650% | 787 |
| Return on Equity (ROE) | 21.5900% | 592 |
| Retained earnings to average equity (ytd only) | 12.8675% | 837 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 45.7462% | 4,149 |
| Assets per employee ($millions) | 9.2793% | 839 |
| Cash dividends to net income (ytd only)* | 40.4067% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9282% | 3,637 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 80.6800% | 573 |
| Net loans and leases to deposits | 95.2326% | 804 |
| Net loans and leases to core deposits | 100.8448% | 1,271 |
| Total domestic deposits to total assets | 84.7200% | 2,590 |
| Equity capital to assets | 9.2579% | 2,251 |
| Core capital (leverage) ratio | 10.4642% | 2,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $131,975,500 | 3,539 |
| Average earning assets | $124,475,750 | 3,505 |
| Average equity | $11,843,500 | 3,536 |
| Average total loans | $105,114,500 | 3,123 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6507% | 2,302 |
| Cost of funding earning assets | 0.8992% | 2,930 |
| Net interest margin | 3.7516% | 1,714 |
| Noninterest income to average assets | 0.0400% | 4,512 |
| Noninterest expense to average assets | 1.6855% | 4,165 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8649% | 594 |
| Return on assets (ROA) | 1.8649% | 588 |
| Pretax return on assets | 1.8995% | 870 |
| Return on Equity (ROE) | 21.0000% | 618 |
| Retained earnings to average equity (ytd only) | 15.4808% | 521 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 47.0143% | 4,115 |
| Assets per employee ($millions) | 9.6459% | 741 |
| Cash dividends to net income (ytd only)* | 26.2732% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9494% | 3,626 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 75.8600% | 1,069 |
| Net loans and leases to deposits | 89.8618% | 1,200 |
| Net loans and leases to core deposits | 94.9049% | 1,529 |
| Total domestic deposits to total assets | 84.4200% | 2,715 |
| Equity capital to assets | 9.0431% | 2,489 |
| Core capital (leverage) ratio | 10.1336% | 2,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $132,664,000 | 3,545 |
| Average earning assets | $125,228,000 | 3,507 |
| Average equity | $11,782,333 | 3,556 |
| Average total loans | $104,888,000 | 3,120 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5494% | 2,191 |
| Cost of funding earning assets | 0.7919% | 2,764 |
| Net interest margin | 3.7575% | 1,772 |
| Noninterest income to average assets | 0.0400% | 4,561 |
| Noninterest expense to average assets | 1.7646% | 4,091 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7798% | 698 |
| Return on assets (ROA) | 1.7798% | 694 |
| Pretax return on assets | 1.8407% | 1,001 |
| Return on Equity (ROE) | 20.2300% | 735 |
| Retained earnings to average equity (ytd only) | 20.2291% | 362 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.9451% | 4,031 |
| Assets per employee ($millions) | 9.4954% | 803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9374% | 3,755 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 78.0600% | 761 |
| Net loans and leases to deposits | 92.4061% | 890 |
| Net loans and leases to core deposits | 98.0137% | 1,174 |
| Total domestic deposits to total assets | 84.4800% | 2,976 |
| Equity capital to assets | 8.9954% | 2,523 |
| Core capital (leverage) ratio | 9.7589% | 2,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $131,475,000 | 3,598 |
| Average earning assets | $124,764,000 | 3,553 |
| Average equity | $11,567,500 | 3,612 |
| Average total loans | $105,617,500 | 3,140 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5461% | 2,953 |
| Cost of funding earning assets | 0.3995% | 2,109 |
| Net interest margin | 3.1466% | 3,033 |
| Noninterest income to average assets | 0.0600% | 4,553 |
| Noninterest expense to average assets | 1.7761% | 4,054 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1975% | 1,776 |
| Return on assets (ROA) | 0.5365% | 3,977 |
| Pretax return on assets | 0.5645% | 4,086 |
| Return on Equity (ROE) | 6.7800% | 3,679 |
| Retained earnings to average equity (ytd only) | 2.7030% | 3,802 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.4928% | 3,269 |
| Assets per employee ($millions) | 8.6677% | 1,028 |
| Cash dividends to net income (ytd only)* | 60.1604% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9091% | 3,735 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 81.1500% | 487 |
| Net loans and leases to deposits | 95.6496% | 670 |
| Net loans and leases to core deposits | 99.2027% | 1,045 |
| Total domestic deposits to total assets | 84.8500% | 3,035 |
| Equity capital to assets | 8.5967% | 2,634 |
| Core capital (leverage) ratio | 9.3196% | 3,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $139,410,200 | 3,539 |
| Average earning assets | $131,920,800 | 3,507 |
| Average equity | $11,024,600 | 3,757 |
| Average total loans | $101,594,200 | 3,129 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3131% | 3,146 |
| Cost of funding earning assets | 0.3574% | 1,644 |
| Net interest margin | 2.9557% | 3,342 |
| Noninterest income to average assets | 0.0600% | 4,582 |
| Noninterest expense to average assets | 1.7362% | 4,101 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0670% | 2,223 |
| Return on assets (ROA) | 0.2003% | 4,443 |
| Pretax return on assets | 0.2107% | 4,454 |
| Return on Equity (ROE) | 2.5800% | 4,350 |
| Retained earnings to average equity (ytd only) | 0.1578% | 4,314 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.7237% | 3,023 |
| Assets per employee ($millions) | 8.7879% | 969 |
| Cash dividends to net income (ytd only)* | 93.8967% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9263% | 3,781 |
| Loan loss allowance to noncurrent loans | 3,872.0000% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 3,760 |
| Noncurrent loans to loans | 0.0239% | 3,732 |
| Net loans and leases to total assets | 78.5400% | 659 |
| Net loans and leases to deposits | 92.7008% | 721 |
| Net loans and leases to core deposits | 96.5243% | 977 |
| Total domestic deposits to total assets | 84.7300% | 3,347 |
| Equity capital to assets | 7.9519% | 2,926 |
| Core capital (leverage) ratio | 8.8530% | 3,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7142% | 2,165 |
| Memoranda: | ||
| Average total assets | $141,759,000 | 3,543 |
| Average earning assets | $134,290,000 | 3,499 |
| Average equity | $10,986,500 | 3,811 |
| Average total loans | $100,372,500 | 3,152 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0720% | 3,372 |
| Cost of funding earning assets | 0.3465% | 1,298 |
| Net interest margin | 2.7255% | 3,650 |
| Noninterest income to average assets | 0.0496% | 4,633 |
| Noninterest expense to average assets | 1.6861% | 4,161 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9361% | 2,419 |
| Return on assets (ROA) | -0.4012% | 4,648 |
| Pretax return on assets | -0.3929% | 4,634 |
| Return on Equity (ROE) | -5.2175% | 4,679 |
| Retained earnings to average equity (ytd only) | -7.0105% | 4,595 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0985% | 2,760 |
| Assets per employee ($millions) | 9.0401% | 866 |
| Cash dividends to net income (ytd only)* | -34.3643% | 4,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9547% | 3,776 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 69.4335% | 1,352 |
| Net loans and leases to deposits | 81.3251% | 1,291 |
| Net loans and leases to core deposits | 84.8076% | 1,405 |
| Total domestic deposits to total assets | 85.3777% | 3,398 |
| Equity capital to assets | 7.2600% | 3,624 |
| Core capital (leverage) ratio | 8.1167% | 4,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7771% | 2,169 |
| Memoranda: | ||
| Average total assets | $145,072,667 | 3,552 |
| Average earning assets | $137,371,667 | 3,520 |
| Average equity | $11,154,667 | 3,874 |
| Average total loans | $98,996,667 | 3,200 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9961% | 3,269 |
| Cost of funding earning assets | 0.3478% | 1,227 |
| Net interest margin | 2.6483% | 3,527 |
| Noninterest income to average assets | 0.0523% | 4,654 |
| Noninterest expense to average assets | 1.6877% | 4,151 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8425% | 2,512 |
| Return on assets (ROA) | -1.8281% | 4,760 |
| Pretax return on assets | -1.8116% | 4,755 |
| Return on Equity (ROE) | -23.1329% | 4,777 |
| Retained earnings to average equity (ytd only) | -23.1329% | 4,721 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2703% | 2,736 |
| Assets per employee ($millions) | 9.1779% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 3,700 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 64.8784% | 1,514 |
| Net loans and leases to deposits | 75.9406% | 1,453 |
| Net loans and leases to core deposits | 79.9463% | 1,485 |
| Total domestic deposits to total assets | 85.4331% | 3,424 |
| Equity capital to assets | 7.3165% | 4,039 |
| Core capital (leverage) ratio | 7.7677% | 4,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0892% | 2,166 |
| Memoranda: | ||
| Average total assets | $145,288,000 | 3,562 |
| Average earning assets | $136,842,500 | 3,539 |
| Average equity | $11,481,500 | 3,909 |
| Average total loans | $97,796,000 | 3,217 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8527% | 1,736 |
| Cost of funding earning assets | 0.4280% | 1,341 |
| Net interest margin | 3.4247% | 1,948 |
| Noninterest income to average assets | 0.0879% | 4,646 |
| Noninterest expense to average assets | 1.8609% | 4,025 |
| Loan and lease loss provision to assets | 0.0148% | 2,789 |
| Net operating income to assets | 1.4235% | 1,201 |
| Return on assets (ROA) | 1.4235% | 1,267 |
| Pretax return on assets | 1.4989% | 1,732 |
| Return on Equity (ROE) | 15.7232% | 800 |
| Retained earnings to average equity (ytd only) | 4.7896% | 2,871 |
| Net charge-offs to loans | -0.0010% | 3,288 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1445% | 3,804 |
| Assets per employee ($millions) | 8.9831% | 920 |
| Cash dividends to net income (ytd only)* | 69.5381% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 3,857 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 68.4510% | 1,216 |
| Net loans and leases to deposits | 81.0746% | 1,128 |
| Net loans and leases to core deposits | 86.5721% | 1,165 |
| Total domestic deposits to total assets | 84.4297% | 3,439 |
| Equity capital to assets | 8.5014% | 4,048 |
| Core capital (leverage) ratio | 8.8114% | 3,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,367,400 | 3,627 |
| Average earning assets | $129,909,000 | 3,577 |
| Average equity | $12,255,800 | 3,908 |
| Average total loans | $96,037,400 | 3,250 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1098% | 1,285 |
| Cost of funding earning assets | 0.4512% | 1,345 |
| Net interest margin | 3.6586% | 1,435 |
| Noninterest income to average assets | 0.0620% | 4,774 |
| Noninterest expense to average assets | 1.9098% | 3,921 |
| Loan and lease loss provision to assets | 0.0203% | 2,589 |
| Net operating income to assets | 1.5546% | 1,132 |
| Return on assets (ROA) | 1.5546% | 1,182 |
| Pretax return on assets | 1.6367% | 1,589 |
| Return on Equity (ROE) | 16.8932% | 777 |
| Retained earnings to average equity (ytd only) | 12.3275% | 767 |
| Net charge-offs to loans | -0.0014% | 3,167 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5484% | 3,863 |
| Assets per employee ($millions) | 8.2914% | 1,133 |
| Cash dividends to net income (ytd only)* | 27.0270% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 3,893 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 73.2101% | 752 |
| Net loans and leases to deposits | 88.6028% | 683 |
| Net loans and leases to core deposits | 95.3223% | 777 |
| Total domestic deposits to total assets | 82.6273% | 3,792 |
| Equity capital to assets | 9.5958% | 3,290 |
| Core capital (leverage) ratio | 9.7013% | 2,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,277,000 | 3,682 |
| Average earning assets | $127,659,000 | 3,635 |
| Average equity | $12,265,000 | 3,956 |
| Average total loans | $95,208,750 | 3,303 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2464% | 1,101 |
| Cost of funding earning assets | 0.4722% | 1,368 |
| Net interest margin | 3.7743% | 1,179 |
| Noninterest income to average assets | 0.0569% | 4,824 |
| Noninterest expense to average assets | 1.9763% | 3,770 |
| Loan and lease loss provision to assets | 0.0300% | 2,375 |
| Net operating income to assets | 1.5478% | 1,175 |
| Return on assets (ROA) | 1.5478% | 1,235 |
| Pretax return on assets | 1.6676% | 1,567 |
| Return on Equity (ROE) | 17.0603% | 770 |
| Retained earnings to average equity (ytd only) | 14.2527% | 511 |
| Net charge-offs to loans | -0.0021% | 3,208 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7928% | 3,830 |
| Assets per employee ($millions) | 8.5070% | 1,007 |
| Cash dividends to net income (ytd only)* | 16.4569% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0329% | 3,704 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 68.1417% | 1,426 |
| Net loans and leases to deposits | 84.2376% | 1,047 |
| Net loans and leases to core deposits | 90.3124% | 1,119 |
| Total domestic deposits to total assets | 80.8922% | 4,103 |
| Equity capital to assets | 9.2336% | 3,577 |
| Core capital (leverage) ratio | 9.4065% | 3,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,482,000 | 3,697 |
| Average earning assets | $127,919,333 | 3,650 |
| Average equity | $12,110,000 | 3,975 |
| Average total loans | $94,248,333 | 3,333 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4530% | 3,059 |
| Cost of funding earning assets | 0.4978% | 1,406 |
| Net interest margin | 2.9552% | 3,372 |
| Noninterest income to average assets | 0.0757% | 4,782 |
| Noninterest expense to average assets | 1.8552% | 4,096 |
| Loan and lease loss provision to assets | 0.0605% | 1,912 |
| Net operating income to assets | 0.9473% | 2,978 |
| Return on assets (ROA) | 0.9473% | 3,069 |
| Pretax return on assets | 0.9987% | 3,377 |
| Return on Equity (ROE) | 10.5378% | 2,520 |
| Retained earnings to average equity (ytd only) | 10.5378% | 1,505 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6552% | 2,510 |
| Assets per employee ($millions) | 7.7634% | 1,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0362% | 3,706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 69.9768% | 1,294 |
| Net loans and leases to deposits | 86.8062% | 902 |
| Net loans and leases to core deposits | 93.2963% | 1,025 |
| Total domestic deposits to total assets | 80.6127% | 4,121 |
| Equity capital to assets | 8.9970% | 3,689 |
| Core capital (leverage) ratio | 9.1032% | 3,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,167,000 | 3,713 |
| Average earning assets | $126,962,000 | 3,660 |
| Average equity | $11,881,000 | 4,009 |
| Average total loans | $94,514,000 | 3,344 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0849% | 2,464 |
| Cost of funding earning assets | 0.7979% | 1,221 |
| Net interest margin | 3.2870% | 3,103 |
| Noninterest income to average assets | 0.0894% | 4,771 |
| Noninterest expense to average assets | 1.9605% | 4,213 |
| Loan and lease loss provision to assets | 0.1671% | 2,294 |
| Net operating income to assets | 1.0450% | 2,122 |
| Return on assets (ROA) | 1.0450% | 2,264 |
| Pretax return on assets | 1.1001% | 2,692 |
| Return on Equity (ROE) | 10.6155% | 1,771 |
| Retained earnings to average equity (ytd only) | 4.0392% | 2,801 |
| Net charge-offs to loans | 0.5046% | 315 |
| Credit loss provision to net charge-offs | 41.5800% | 3,182 |
| Earnings coverage of net charge-offs (x) | 3.1538% | 3,111 |
| Efficiency ratio | 60.7402% | 3,357 |
| Assets per employee ($millions) | 7.7856% | 1,127 |
| Cash dividends to net income (ytd only)* | 61.9504% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 3,911 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 71.5948% | 1,349 |
| Net loans and leases to deposits | 88.7598% | 1,018 |
| Net loans and leases to core deposits | 95.8518% | 1,124 |
| Total domestic deposits to total assets | 80.6612% | 3,932 |
| Equity capital to assets | 8.9818% | 4,073 |
| Core capital (leverage) ratio | 9.1949% | 3,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,713,200 | 3,751 |
| Average earning assets | $114,297,800 | 3,705 |
| Average equity | $11,784,600 | 3,995 |
| Average total loans | $95,330,200 | 3,310 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1459% | 2,534 |
| Cost of funding earning assets | 0.8697% | 1,178 |
| Net interest margin | 3.2762% | 3,257 |
| Noninterest income to average assets | 0.0961% | 4,771 |
| Noninterest expense to average assets | 2.0225% | 4,101 |
| Loan and lease loss provision to assets | 0.1604% | 2,396 |
| Net operating income to assets | 0.9861% | 2,388 |
| Return on assets (ROA) | 0.9861% | 2,523 |
| Pretax return on assets | 1.0376% | 2,945 |
| Return on Equity (ROE) | 9.7740% | 2,102 |
| Retained earnings to average equity (ytd only) | 4.1046% | 2,990 |
| Net charge-offs to loans | 0.5852% | 247 |
| Credit loss provision to net charge-offs | 33.4928% | 2,943 |
| Earnings coverage of net charge-offs (x) | 2.5048% | 2,983 |
| Efficiency ratio | 62.8064% | 2,941 |
| Assets per employee ($millions) | 6.9778% | 1,521 |
| Cash dividends to net income (ytd only)* | 58.0046% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 3,830 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 82.1955% | 415 |
| Net loans and leases to deposits | 104.9469% | 359 |
| Net loans and leases to core deposits | 114.2807% | 541 |
| Total domestic deposits to total assets | 78.3211% | 4,150 |
| Equity capital to assets | 9.9956% | 3,224 |
| Core capital (leverage) ratio | 9.8431% | 2,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,552,500 | 3,778 |
| Average earning assets | $111,142,000 | 3,735 |
| Average equity | $11,758,750 | 4,008 |
| Average total loans | $95,236,000 | 3,319 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2190% | 2,696 |
| Cost of funding earning assets | 0.9255% | 1,258 |
| Net interest margin | 3.2936% | 3,404 |
| Noninterest income to average assets | 0.0846% | 4,823 |
| Noninterest expense to average assets | 2.0369% | 4,156 |
| Loan and lease loss provision to assets | 0.1381% | 2,638 |
| Net operating income to assets | 0.9908% | 2,359 |
| Return on assets (ROA) | 0.9908% | 2,489 |
| Pretax return on assets | 1.0426% | 2,894 |
| Return on Equity (ROE) | 9.7902% | 2,055 |
| Retained earnings to average equity (ytd only) | 6.3790% | 1,910 |
| Net charge-offs to loans | 0.8878% | 171 |
| Credit loss provision to net charge-offs | 19.1388% | 2,732 |
| Earnings coverage of net charge-offs (x) | 1.6364% | 2,837 |
| Efficiency ratio | 63.3047% | 2,914 |
| Assets per employee ($millions) | 6.6633% | 1,666 |
| Cash dividends to net income (ytd only)* | 34.8432% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9245% | 3,905 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 79.5204% | 650 |
| Net loans and leases to deposits | 101.3172% | 476 |
| Net loans and leases to core deposits | 113.1160% | 633 |
| Total domestic deposits to total assets | 78.4866% | 4,118 |
| Equity capital to assets | 9.9417% | 3,261 |
| Core capital (leverage) ratio | 10.0854% | 2,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,862,667 | 3,773 |
| Average earning assets | $110,215,333 | 3,739 |
| Average equity | $11,726,000 | 4,018 |
| Average total loans | $94,164,000 | 3,332 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3825% | 2,682 |
| Cost of funding earning assets | 0.9883% | 1,471 |
| Net interest margin | 3.3942% | 3,312 |
| Noninterest income to average assets | 0.0843% | 4,882 |
| Noninterest expense to average assets | 2.0769% | 4,266 |
| Loan and lease loss provision to assets | 0.0703% | 2,858 |
| Net operating income to assets | 1.0999% | 1,843 |
| Return on assets (ROA) | 1.0999% | 1,942 |
| Pretax return on assets | 1.1597% | 2,336 |
| Return on Equity (ROE) | 10.7680% | 1,486 |
| Retained earnings to average equity (ytd only) | 10.7680% | 606 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8055% | 3,401 |
| Assets per employee ($millions) | 6.7281% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3676% | 1,822 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 78.6959% | 881 |
| Net loans and leases to deposits | 101.4586% | 469 |
| Net loans and leases to core deposits | 118.5528% | 514 |
| Total domestic deposits to total assets | 77.5645% | 4,287 |
| Equity capital to assets | 10.3185% | 3,501 |
| Core capital (leverage) ratio | 10.2632% | 3,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1941% | 1,847 |
| Memoranda: | ||
| Average total assets | $113,824,500 | 3,793 |
| Average earning assets | $108,067,000 | 3,750 |
| Average equity | $11,627,000 | 4,045 |
| Average total loans | $93,113,000 | 3,341 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6215% | 2,546 |
| Cost of funding earning assets | 1.0214% | 1,628 |
| Net interest margin | 3.6001% | 3,135 |
| Noninterest income to average assets | 0.0833% | 4,965 |
| Noninterest expense to average assets | 2.3270% | 3,882 |
| Loan and lease loss provision to assets | 0.2216% | 876 |
| Net operating income to assets | 0.9033% | 3,198 |
| Return on assets (ROA) | 0.9033% | 3,286 |
| Pretax return on assets | 0.9592% | 3,575 |
| Return on Equity (ROE) | 8.9047% | 2,794 |
| Retained earnings to average equity (ytd only) | 1.9138% | 4,040 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3381% | 2,720 |
| Assets per employee ($millions) | 6.6631% | 1,202 |
| Cash dividends to net income (ytd only)* | 78.5083% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 1,958 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 82.7566% | 458 |
| Net loans and leases to deposits | 106.5009% | 280 |
| Net loans and leases to core deposits | 125.0233% | 366 |
| Total domestic deposits to total assets | 77.7050% | 4,403 |
| Equity capital to assets | 10.1102% | 3,823 |
| Core capital (leverage) ratio | 10.0204% | 3,496 |
| Tier 1 risk-based capital ratio | 12.7475% | 3,920 |
| Total risk-based capital ratio | 13.9980% | 3,812 |
| Memoranda: | ||
| Average total assets | $112,807,200 | 3,793 |
| Average earning assets | $107,303,400 | 3,753 |
| Average equity | $11,443,400 | 4,061 |
| Average total loans | $98,009,400 | 3,255 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6145% | 2,674 |
| Cost of funding earning assets | 1.0148% | 1,703 |
| Net interest margin | 3.5997% | 3,255 |
| Noninterest income to average assets | 0.0864% | 5,028 |
| Noninterest expense to average assets | 2.4148% | 3,641 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0459% | 2,799 |
| Return on assets (ROA) | 1.0459% | 2,887 |
| Pretax return on assets | 1.1003% | 3,295 |
| Return on Equity (ROE) | 10.3017% | 2,303 |
| Retained earnings to average equity (ytd only) | 6.1064% | 2,321 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6974% | 2,305 |
| Assets per employee ($millions) | 6.6039% | 1,224 |
| Cash dividends to net income (ytd only)* | 40.7241% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9930% | 3,603 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 86.8546% | 140 |
| Net loans and leases to deposits | 114.7367% | 131 |
| Net loans and leases to core deposits | 133.6582% | 254 |
| Total domestic deposits to total assets | 75.6990% | 4,676 |
| Equity capital to assets | 10.4706% | 3,564 |
| Core capital (leverage) ratio | 10.4229% | 3,166 |
| Tier 1 risk-based capital ratio | 12.5690% | 4,101 |
| Total risk-based capital ratio | 13.6176% | 4,094 |
| Memoranda: | ||
| Average total assets | $112,691,000 | 3,836 |
| Average earning assets | $107,340,250 | 3,800 |
| Average equity | $11,441,250 | 4,101 |
| Average total loans | $98,769,750 | 3,285 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5561% | 2,818 |
| Cost of funding earning assets | 0.9815% | 1,785 |
| Net interest margin | 3.5746% | 3,352 |
| Noninterest income to average assets | 0.0656% | 5,122 |
| Noninterest expense to average assets | 2.5755% | 3,263 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8544% | 3,456 |
| Return on assets (ROA) | 0.8544% | 3,515 |
| Pretax return on assets | 0.8987% | 3,847 |
| Return on Equity (ROE) | 8.5034% | 3,062 |
| Retained earnings to average equity (ytd only) | 5.3278% | 2,608 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1327% | 1,627 |
| Assets per employee ($millions) | 6.3179% | 1,325 |
| Cash dividends to net income (ytd only)* | 37.3444% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 3,675 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 85.9711% | 216 |
| Net loans and leases to deposits | 111.3886% | 193 |
| Net loans and leases to core deposits | 131.1002% | 306 |
| Total domestic deposits to total assets | 77.1812% | 4,543 |
| Equity capital to assets | 10.1361% | 3,851 |
| Core capital (leverage) ratio | 10.1735% | 3,413 |
| Tier 1 risk-based capital ratio | 12.3685% | 4,208 |
| Total risk-based capital ratio | 13.4204% | 4,204 |
| Memoranda: | ||
| Average total assets | $112,832,330 | 3,861 |
| Average earning assets | $107,592,670 | 3,812 |
| Average equity | $11,336,670 | 4,123 |
| Average total loans | $98,864,000 | 3,302 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4935% | 2,891 |
| Cost of funding earning assets | 0.9091% | 1,959 |
| Net interest margin | 3.5844% | 3,306 |
| Noninterest income to average assets | 0.0569% | 5,193 |
| Noninterest expense to average assets | 2.4914% | 3,534 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9396% | 3,093 |
| Return on assets (ROA) | 0.9396% | 3,135 |
| Pretax return on assets | 0.9894% | 3,479 |
| Return on Equity (ROE) | 9.3938% | 2,633 |
| Retained earnings to average equity (ytd only) | 9.3938% | 1,194 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5746% | 2,101 |
| Assets per employee ($millions) | 5.6286% | 1,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 3,837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 88.0086% | 98 |
| Net loans and leases to deposits | 118.7171% | 96 |
| Net loans and leases to core deposits | 136.5526% | 226 |
| Total domestic deposits to total assets | 74.1330% | 4,922 |
| Equity capital to assets | 10.1393% | 3,685 |
| Core capital (leverage) ratio | 10.1950% | 3,388 |
| Tier 1 risk-based capital ratio | 12.1312% | 4,391 |
| Total risk-based capital ratio | 13.1662% | 4,403 |
| Memoranda: | ||
| Average total assets | $112,387,500 | 3,901 |
| Average earning assets | $107,355,000 | 3,854 |
| Average equity | $11,241,500 | 4,163 |
| Average total loans | $98,923,000 | 3,339 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2883% | 3,155 |
| Cost of funding earning assets | 0.7664% | 1,707 |
| Net interest margin | 3.5219% | 3,629 |
| Noninterest income to average assets | 0.0910% | 5,178 |
| Noninterest expense to average assets | 2.4339% | 3,791 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9735% | 3,127 |
| Return on assets (ROA) | 0.9735% | 3,127 |
| Pretax return on assets | 1.0249% | 3,528 |
| Return on Equity (ROE) | 9.8441% | 2,579 |
| Retained earnings to average equity (ytd only) | 3.0079% | 3,892 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3675% | 2,126 |
| Assets per employee ($millions) | 5.6102% | 1,853 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 3,691 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 86.2874% | 224 |
| Net loans and leases to deposits | 111.4312% | 216 |
| Net loans and leases to core deposits | 127.4478% | 365 |
| Total domestic deposits to total assets | 77.4355% | 4,571 |
| Equity capital to assets | 9.8652% | 3,798 |
| Core capital (leverage) ratio | 10.0109% | 3,561 |
| Tier 1 risk-based capital ratio | 12.0039% | 4,425 |
| Total risk-based capital ratio | 13.0523% | 4,440 |
| Memoranda: | ||
| Average total assets | $110,935,000 | 3,926 |
| Average earning assets | $106,078,800 | 3,873 |
| Average equity | $10,971,000 | 4,162 |
| Average total loans | $95,268,600 | 3,382 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2251% | 3,225 |
| Cost of funding earning assets | 0.7358% | 1,645 |
| Net interest margin | 3.4893% | 3,726 |
| Noninterest income to average assets | 0.0928% | 5,233 |
| Noninterest expense to average assets | 2.4323% | 3,779 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9546% | 3,288 |
| Return on assets (ROA) | 0.9546% | 3,302 |
| Pretax return on assets | 1.0040% | 3,710 |
| Return on Equity (ROE) | 9.6466% | 2,779 |
| Retained earnings to average equity (ytd only) | 5.3836% | 3,015 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7822% | 2,077 |
| Assets per employee ($millions) | 5.5303% | 1,886 |
| Cash dividends to net income (ytd only)* | 44.1925% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 3,622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 85.4636% | 318 |
| Net loans and leases to deposits | 111.0423% | 262 |
| Net loans and leases to core deposits | 133.9744% | 272 |
| Total domestic deposits to total assets | 76.9649% | 4,650 |
| Equity capital to assets | 10.0457% | 3,592 |
| Core capital (leverage) ratio | 10.2263% | 3,371 |
| Tier 1 risk-based capital ratio | 12.4851% | 4,207 |
| Total risk-based capital ratio | 13.5647% | 4,202 |
| Memoranda: | ||
| Average total assets | $110,618,000 | 3,976 |
| Average earning assets | $105,998,250 | 3,914 |
| Average equity | $10,946,500 | 4,202 |
| Average total loans | $94,637,000 | 3,425 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1575% | 3,253 |
| Cost of funding earning assets | 0.7049% | 1,592 |
| Net interest margin | 3.4527% | 3,791 |
| Noninterest income to average assets | 0.0795% | 5,326 |
| Noninterest expense to average assets | 2.4335% | 3,812 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9112% | 3,413 |
| Return on assets (ROA) | 0.9112% | 3,418 |
| Pretax return on assets | 0.9582% | 3,779 |
| Return on Equity (ROE) | 9.2548% | 2,914 |
| Retained earnings to average equity (ytd only) | 6.1331% | 2,484 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7484% | 2,044 |
| Assets per employee ($millions) | 5.4894% | 1,886 |
| Cash dividends to net income (ytd only)* | 33.7302% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0346% | 3,625 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 85.2150% | 331 |
| Net loans and leases to deposits | 110.6335% | 265 |
| Net loans and leases to core deposits | 131.6712% | 299 |
| Total domestic deposits to total assets | 77.0246% | 4,732 |
| Equity capital to assets | 10.0358% | 3,587 |
| Core capital (leverage) ratio | 10.1162% | 3,463 |
| Tier 1 risk-based capital ratio | 12.6100% | 4,124 |
| Total risk-based capital ratio | 13.7110% | 4,104 |
| Memoranda: | ||
| Average total assets | $110,622,330 | 4,006 |
| Average earning assets | $106,121,000 | 3,943 |
| Average equity | $10,891,670 | 4,246 |
| Average total loans | $94,347,670 | 3,441 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0891% | 3,272 |
| Cost of funding earning assets | 0.6727% | 1,583 |
| Net interest margin | 3.4163% | 3,832 |
| Noninterest income to average assets | 0.0829% | 5,387 |
| Noninterest expense to average assets | 2.4352% | 3,846 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8754% | 3,389 |
| Return on assets (ROA) | 0.8754% | 3,406 |
| Pretax return on assets | 0.9222% | 3,778 |
| Return on Equity (ROE) | 8.9763% | 2,916 |
| Retained earnings to average equity (ytd only) | 8.9763% | 1,465 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5322% | 2,118 |
| Assets per employee ($millions) | 5.6284% | 1,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0426% | 3,711 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 82.4622% | 606 |
| Net loans and leases to deposits | 104.4221% | 457 |
| Net loans and leases to core deposits | 128.1649% | 371 |
| Total domestic deposits to total assets | 78.9700% | 4,587 |
| Equity capital to assets | 9.7044% | 3,877 |
| Core capital (leverage) ratio | 10.0331% | 3,495 |
| Tier 1 risk-based capital ratio | 12.6849% | 4,124 |
| Total risk-based capital ratio | 13.8015% | 4,113 |
| Memoranda: | ||
| Average total assets | $111,040,000 | 4,047 |
| Average earning assets | $106,429,500 | 3,978 |
| Average equity | $10,828,500 | 4,302 |
| Average total loans | $94,255,000 | 3,462 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1218% | 2,982 |
| Cost of funding earning assets | 0.6355% | 1,380 |
| Net interest margin | 3.4862% | 3,569 |
| Noninterest income to average assets | 0.1682% | 5,116 |
| Noninterest expense to average assets | 2.2926% | 4,352 |
| Loan and lease loss provision to assets | 0.0274% | 3,739 |
| Net operating income to assets | 1.1243% | 1,774 |
| Return on assets (ROA) | 1.1243% | 1,804 |
| Pretax return on assets | 1.1828% | 2,837 |
| Return on Equity (ROE) | 11.4272% | 1,357 |
| Retained earnings to average equity (ytd only) | 3.0658% | 3,466 |
| Net charge-offs to loans | -0.0287% | 5,053 |
| Credit loss provision to net charge-offs | -111.1111% | 4,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4489% | 3,350 |
| Assets per employee ($millions) | 5.4756% | 1,961 |
| Cash dividends to net income (ytd only)* | 73.1707% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 3,722 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 85.5870% | 284 |
| Net loans and leases to deposits | 110.7346% | 249 |
| Net loans and leases to core deposits | 130.8721% | 319 |
| Total domestic deposits to total assets | 77.2902% | 4,825 |
| Equity capital to assets | 9.8008% | 3,916 |
| Core capital (leverage) ratio | 9.9702% | 3,493 |
| Tier 1 risk-based capital ratio | 12.2273% | 4,380 |
| Total risk-based capital ratio | 13.3276% | 4,371 |
| Memoranda: | ||
| Average total assets | $109,397,000 | 4,070 |
| Average earning assets | $104,639,800 | 4,009 |
| Average equity | $10,763,800 | 4,341 |
| Average total loans | $94,199,000 | 3,448 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1125% | 2,944 |
| Cost of funding earning assets | 0.6321% | 1,347 |
| Net interest margin | 3.4804% | 3,564 |
| Noninterest income to average assets | 0.1853% | 5,093 |
| Noninterest expense to average assets | 2.1846% | 4,558 |
| Loan and lease loss provision to assets | 0.0366% | 3,381 |
| Net operating income to assets | 1.2288% | 1,579 |
| Return on assets (ROA) | 1.2288% | 1,608 |
| Pretax return on assets | 1.2935% | 2,522 |
| Return on Equity (ROE) | 12.4771% | 1,195 |
| Retained earnings to average equity (ytd only) | 6.6594% | 1,872 |
| Net charge-offs to loans | -0.0383% | 5,081 |
| Credit loss provision to net charge-offs | -111.1111% | 4,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1575% | 3,856 |
| Assets per employee ($millions) | 5.4166% | 2,001 |
| Cash dividends to net income (ytd only)* | 46.6268% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 3,761 |
| 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 | 84.6683% | 370 |
| Net loans and leases to deposits | 111.2901% | 242 |
| Net loans and leases to core deposits | 131.2076% | 322 |
| Total domestic deposits to total assets | 76.0789% | 5,009 |
| Equity capital to assets | 10.1688% | 3,731 |
| Core capital (leverage) ratio | 10.3339% | 3,160 |
| Tier 1 risk-based capital ratio | 12.7521% | 4,173 |
| Total risk-based capital ratio | 13.8781% | 4,143 |
| Memoranda: | ||
| Average total assets | $109,368,250 | 4,113 |
| Average earning assets | $104,621,000 | 4,055 |
| Average equity | $10,771,500 | 4,382 |
| Average total loans | $94,072,250 | 3,480 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0972% | 2,838 |
| Cost of funding earning assets | 0.6255% | 1,303 |
| Net interest margin | 3.4717% | 3,499 |
| Noninterest income to average assets | 0.2206% | 4,930 |
| Noninterest expense to average assets | 2.1675% | 4,631 |
| Loan and lease loss provision to assets | 0.0547% | 2,880 |
| Net operating income to assets | 1.2615% | 1,402 |
| Return on assets (ROA) | 1.2615% | 1,429 |
| Pretax return on assets | 1.3271% | 2,279 |
| Return on Equity (ROE) | 12.9467% | 1,049 |
| Retained earnings to average equity (ytd only) | 8.8307% | 889 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0683% | 4,155 |
| Assets per employee ($millions) | 5.7269% | 1,673 |
| Cash dividends to net income (ytd only)* | 31.7919% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 4,019 |
| 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 | 84.7627% | 367 |
| Net loans and leases to deposits | 109.7830% | 264 |
| Net loans and leases to core deposits | 128.3656% | 333 |
| Total domestic deposits to total assets | 77.2093% | 4,927 |
| Equity capital to assets | 10.0586% | 3,843 |
| Core capital (leverage) ratio | 10.0989% | 3,407 |
| Tier 1 risk-based capital ratio | 12.5397% | 4,281 |
| Total risk-based capital ratio | 13.6241% | 4,260 |
| Memoranda: | ||
| Average total assets | $109,714,000 | 4,135 |
| Average earning assets | $105,194,000 | 4,067 |
| Average equity | $10,690,000 | 4,412 |
| Average total loans | $94,529,670 | 3,481 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0113% | 2,992 |
| Cost of funding earning assets | 0.6011% | 1,366 |
| Net interest margin | 3.4101% | 3,623 |
| Noninterest income to average assets | 0.0581% | 5,709 |
| Noninterest expense to average assets | 2.1786% | 4,704 |
| Loan and lease loss provision to assets | 0.0545% | 2,715 |
| Net operating income to assets | 1.0457% | 2,089 |
| Return on assets (ROA) | 1.0457% | 2,140 |
| Pretax return on assets | 1.1002% | 2,985 |
| Return on Equity (ROE) | 10.9065% | 1,604 |
| Retained earnings to average equity (ytd only) | 10.9065% | 623 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3595% | 3,604 |
| Assets per employee ($millions) | 6.0613% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9905% | 4,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 85.7567% | 241 |
| Net loans and leases to deposits | 109.1991% | 233 |
| Net loans and leases to core deposits | 128.0909% | 288 |
| Total domestic deposits to total assets | 78.5324% | 4,905 |
| Equity capital to assets | 9.8255% | 3,948 |
| Core capital (leverage) ratio | 9.8235% | 3,725 |
| Tier 1 risk-based capital ratio | 11.9301% | 4,765 |
| Total risk-based capital ratio | 12.9616% | 4,802 |
| Memoranda: | ||
| Average total assets | $110,165,000 | 4,173 |
| Average earning assets | $105,802,000 | 4,088 |
| Average equity | $10,562,500 | 4,455 |
| Average total loans | $95,202,500 | 3,493 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0489% | 3,026 |
| Cost of funding earning assets | 0.5856% | 1,453 |
| Net interest margin | 3.4633% | 3,570 |
| Noninterest income to average assets | 0.0367% | 5,802 |
| Noninterest expense to average assets | 2.1481% | 4,901 |
| Loan and lease loss provision to assets | 0.0367% | 3,630 |
| Net operating income to assets | 1.1366% | 1,741 |
| Return on assets (ROA) | 1.1383% | 1,831 |
| Pretax return on assets | 1.1980% | 2,684 |
| Return on Equity (ROE) | 11.8393% | 1,294 |
| Retained earnings to average equity (ytd only) | 3.2463% | 3,597 |
| Net charge-offs to loans | -0.0272% | 5,204 |
| Credit loss provision to net charge-offs | -160.0000% | 4,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5352% | 4,026 |
| Assets per employee ($millions) | 6.1792% | 1,344 |
| Cash dividends to net income (ytd only)* | 72.5806% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9603% | 4,524 |
| 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 | 85.3973% | 270 |
| Net loans and leases to deposits | 112.8398% | 172 |
| Net loans and leases to core deposits | 134.7616% | 227 |
| Total domestic deposits to total assets | 75.6801% | 5,274 |
| Equity capital to assets | 9.3548% | 4,419 |
| Core capital (leverage) ratio | 9.6783% | 3,880 |
| Tier 1 risk-based capital ratio | 11.3053% | 5,170 |
| Total risk-based capital ratio | 12.2933% | 5,210 |
| Memoranda: | ||
| Average total assets | $108,932,600 | 4,192 |
| Average earning assets | $105,190,000 | 4,097 |
| Average equity | $10,473,600 | 4,498 |
| Average total loans | $91,958,200 | 3,535 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0537% | 3,022 |
| Cost of funding earning assets | 0.5815% | 1,474 |
| Net interest margin | 3.4722% | 3,577 |
| Noninterest income to average assets | 0.0369% | 5,864 |
| Noninterest expense to average assets | 2.1570% | 4,876 |
| Loan and lease loss provision to assets | 0.0492% | 3,262 |
| Net operating income to assets | 1.1295% | 1,878 |
| Return on assets (ROA) | 1.1295% | 1,994 |
| Pretax return on assets | 1.1886% | 2,876 |
| Return on Equity (ROE) | 11.6671% | 1,426 |
| Retained earnings to average equity (ytd only) | 6.5834% | 1,855 |
| Net charge-offs to loans | -0.0366% | 5,242 |
| Credit loss provision to net charge-offs | -160.0000% | 4,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5375% | 3,995 |
| Assets per employee ($millions) | 6.4106% | 1,166 |
| Cash dividends to net income (ytd only)* | 43.5730% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9959% | 4,438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 84.0117% | 410 |
| Net loans and leases to deposits | 107.1156% | 337 |
| Net loans and leases to core deposits | 125.7862% | 375 |
| Total domestic deposits to total assets | 78.4309% | 4,828 |
| Equity capital to assets | 9.8367% | 4,318 |
| Core capital (leverage) ratio | 9.9285% | 3,662 |
| Tier 1 risk-based capital ratio | 11.9297% | 4,832 |
| Total risk-based capital ratio | 12.9550% | 4,877 |
| Memoranda: | ||
| Average total assets | $108,359,250 | 4,232 |
| Average earning assets | $104,791,250 | 4,125 |
| Average equity | $10,490,750 | 4,540 |
| Average total loans | $90,971,500 | 3,574 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0629% | 3,014 |
| Cost of funding earning assets | 0.5657% | 1,571 |
| Net interest margin | 3.4972% | 3,502 |
| Noninterest income to average assets | 0.0499% | 5,915 |
| Noninterest expense to average assets | 2.1451% | 4,964 |
| Loan and lease loss provision to assets | 0.0740% | 2,660 |
| Net operating income to assets | 1.1539% | 1,761 |
| Return on assets (ROA) | 1.1539% | 1,878 |
| Pretax return on assets | 1.2150% | 2,727 |
| Return on Equity (ROE) | 11.9835% | 1,331 |
| Retained earnings to average equity (ytd only) | 11.9835% | 328 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4663% | 4,273 |
| Assets per employee ($millions) | 6.3105% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 4,514 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 5,399 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 82.5837% | 564 |
| Net loans and leases to deposits | 106.8633% | 336 |
| Net loans and leases to core deposits | 125.7541% | 375 |
| Total domestic deposits to total assets | 77.2798% | 5,119 |
| Equity capital to assets | 9.9255% | 4,315 |
| Core capital (leverage) ratio | 9.5808% | 4,091 |
| Tier 1 risk-based capital ratio | 12.3909% | 4,600 |
| Total risk-based capital ratio | 13.4361% | 4,631 |
| Memoranda: | ||
| Average total assets | $108,152,330 | 4,260 |
| Average earning assets | $104,654,670 | 4,159 |
| Average equity | $10,414,330 | 4,582 |
| Average total loans | $90,469,670 | 3,600 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0111% | 3,184 |
| Cost of funding earning assets | 0.5638% | 1,593 |
| Net interest margin | 3.4473% | 3,677 |
| Noninterest income to average assets | 0.1105% | 5,789 |
| Noninterest expense to average assets | 2.1586% | 5,006 |
| Loan and lease loss provision to assets | 0.1105% | 1,886 |
| Net operating income to assets | 1.1161% | 1,844 |
| Return on assets (ROA) | 1.1161% | 1,944 |
| Pretax return on assets | 1.1751% | 2,802 |
| Return on Equity (ROE) | 11.7698% | 1,381 |
| Retained earnings to average equity (ytd only) | 11.7698% | 536 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6738% | 4,348 |
| Assets per employee ($millions) | 6.3654% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 4,766 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0619% | 5,357 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 83.6708% | 403 |
| Net loans and leases to deposits | 108.3973% | 268 |
| Net loans and leases to core deposits | 124.3114% | 362 |
| Total domestic deposits to total assets | 77.1890% | 5,265 |
| Equity capital to assets | 9.6765% | 4,473 |
| Core capital (leverage) ratio | 9.7319% | 3,868 |
| Tier 1 risk-based capital ratio | 11.4628% | 5,254 |
| Total risk-based capital ratio | 12.4300% | 5,316 |
| Memoranda: | ||
| Average total assets | $108,589,000 | 4,289 |
| Average earning assets | $105,009,000 | 4,189 |
| Average equity | $10,297,500 | 4,618 |
| Average total loans | $90,959,000 | 3,605 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9653% | 3,449 |
| Cost of funding earning assets | 0.5785% | 1,505 |
| Net interest margin | 3.3868% | 3,956 |
| Noninterest income to average assets | 0.1384% | 5,719 |
| Noninterest expense to average assets | 2.1225% | 5,210 |
| Loan and lease loss provision to assets | 0.0706% | 2,867 |
| Net operating income to assets | 1.1488% | 1,735 |
| Return on assets (ROA) | 1.1488% | 1,807 |
| Pretax return on assets | 1.2091% | 2,624 |
| Return on Equity (ROE) | 12.0854% | 1,281 |
| Retained earnings to average equity (ytd only) | 3.4176% | 3,624 |
| Net charge-offs to loans | 0.0406% | 3,412 |
| Credit loss provision to net charge-offs | 214.2857% | 1,325 |
| Earnings coverage of net charge-offs (x) | 38.8286% | 1,206 |
| Efficiency ratio | 62.3858% | 4,549 |
| Assets per employee ($millions) | 6.0537% | 1,346 |
| Cash dividends to net income (ytd only)* | 71.7213% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 4,889 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 5,407 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 82.2588% | 571 |
| Net loans and leases to deposits | 106.5067% | 342 |
| Net loans and leases to core deposits | 124.8764% | 357 |
| Total domestic deposits to total assets | 77.2335% | 5,279 |
| Equity capital to assets | 9.2909% | 4,803 |
| Core capital (leverage) ratio | 9.2780% | 4,505 |
| Tier 1 risk-based capital ratio | 11.2576% | 5,397 |
| Total risk-based capital ratio | 12.2025% | 5,454 |
| Memoranda: | ||
| Average total assets | $106,193,200 | 4,328 |
| Average earning assets | $102,338,000 | 4,233 |
| Average equity | $10,094,800 | 4,652 |
| Average total loans | $86,298,600 | 3,667 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9567% | 3,514 |
| Cost of funding earning assets | 0.5818% | 1,526 |
| Net interest margin | 3.3750% | 4,056 |
| Noninterest income to average assets | 0.1276% | 5,837 |
| Noninterest expense to average assets | 2.1548% | 5,155 |
| Loan and lease loss provision to assets | 0.0442% | 3,327 |
| Net operating income to assets | 1.1185% | 1,928 |
| Return on assets (ROA) | 1.1185% | 2,002 |
| Pretax return on assets | 1.1766% | 2,905 |
| Return on Equity (ROE) | 11.6973% | 1,463 |
| Retained earnings to average equity (ytd only) | 6.9391% | 1,720 |
| Net charge-offs to loans | 0.0547% | 2,821 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 27.5974% | 1,575 |
| Efficiency ratio | 63.8338% | 4,279 |
| Assets per employee ($millions) | 5.8587% | 1,465 |
| Cash dividends to net income (ytd only)* | 40.6782% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9372% | 5,033 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0635% | 5,517 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 81.7886% | 599 |
| Net loans and leases to deposits | 105.9152% | 367 |
| Net loans and leases to core deposits | 125.8330% | 338 |
| Total domestic deposits to total assets | 77.2208% | 5,312 |
| Equity capital to assets | 9.8306% | 4,361 |
| Core capital (leverage) ratio | 9.8556% | 3,828 |
| Tier 1 risk-based capital ratio | 11.9469% | 5,110 |
| Total risk-based capital ratio | 12.8864% | 5,224 |
| Memoranda: | ||
| Average total assets | $105,499,750 | 4,393 |
| Average earning assets | $101,529,750 | 4,292 |
| Average equity | $10,087,500 | 4,703 |
| Average total loans | $85,250,500 | 3,725 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9318% | 3,565 |
| Cost of funding earning assets | 0.5820% | 1,548 |
| Net interest margin | 3.3498% | 4,110 |
| Noninterest income to average assets | 0.1270% | 5,916 |
| Noninterest expense to average assets | 2.1627% | 5,196 |
| Loan and lease loss provision to assets | 0.0190% | 3,752 |
| Net operating income to assets | 1.1070% | 1,924 |
| Return on assets (ROA) | 1.1070% | 2,011 |
| Pretax return on assets | 1.1638% | 2,924 |
| Return on Equity (ROE) | 11.6866% | 1,479 |
| Retained earnings to average equity (ytd only) | 6.4837% | 1,955 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6459% | 4,248 |
| Assets per employee ($millions) | 5.8636% | 1,454 |
| Cash dividends to net income (ytd only)* | 44.5205% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 5,034 |
| Loan loss allowance to noncurrent loans | 2,503.0303% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0947% | 5,485 |
| Noncurrent loans to loans | 0.0385% | 5,595 |
| Net loans and leases to total assets | 80.3856% | 757 |
| Net loans and leases to deposits | 101.8193% | 558 |
| Net loans and leases to core deposits | 118.7728% | 503 |
| Total domestic deposits to total assets | 78.9493% | 5,109 |
| Equity capital to assets | 9.5855% | 4,550 |
| Core capital (leverage) ratio | 9.6948% | 4,008 |
| Tier 1 risk-based capital ratio | 11.8072% | 5,273 |
| Total risk-based capital ratio | 12.7656% | 5,375 |
| Memoranda: | ||
| Average total assets | $105,514,330 | 4,434 |
| Average earning assets | $101,378,670 | 4,336 |
| Average equity | $9,994,330 | 4,753 |
| Average total loans | $84,645,000 | 3,761 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8526% | 3,815 |
| Cost of funding earning assets | 0.5763% | 1,607 |
| Net interest margin | 3.2763% | 4,318 |
| Noninterest income to average assets | 0.1327% | 5,938 |
| Noninterest expense to average assets | 2.1725% | 5,220 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0540% | 2,018 |
| Return on assets (ROA) | 1.0540% | 2,155 |
| Pretax return on assets | 1.1071% | 3,042 |
| Return on Equity (ROE) | 11.1950% | 1,579 |
| Retained earnings to average equity (ytd only) | 11.1950% | 686 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2428% | 4,115 |
| Assets per employee ($millions) | 6.1588% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9820% | 5,124 |
| Loan loss allowance to noncurrent loans | 2,472.7273% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 5,562 |
| Noncurrent loans to loans | 0.0397% | 5,624 |
| Net loans and leases to total assets | 78.5845% | 854 |
| Net loans and leases to deposits | 97.3059% | 742 |
| Net loans and leases to core deposits | 114.5439% | 557 |
| Total domestic deposits to total assets | 80.7603% | 4,870 |
| Equity capital to assets | 9.6686% | 4,554 |
| Core capital (leverage) ratio | 9.7459% | 3,961 |
| Tier 1 risk-based capital ratio | 12.0537% | 5,202 |
| Total risk-based capital ratio | 13.0245% | 5,290 |
| Memoranda: | ||
| Average total assets | $105,499,000 | 4,466 |
| Average earning assets | $101,333,000 | 4,358 |
| Average equity | $9,933,000 | 4,797 |
| Average total loans | $84,133,000 | 3,794 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9229% | 4,046 |
| Cost of funding earning assets | 0.6006% | 1,756 |
| Net interest margin | 3.3223% | 4,504 |
| Noninterest income to average assets | 0.0418% | 6,310 |
| Noninterest expense to average assets | 2.2818% | 5,155 |
| Loan and lease loss provision to assets | 0.0666% | 3,166 |
| Net operating income to assets | 0.8414% | 3,165 |
| Return on assets (ROA) | 0.8414% | 3,256 |
| Pretax return on assets | 0.8861% | 3,944 |
| Return on Equity (ROE) | 9.1490% | 2,515 |
| Retained earnings to average equity (ytd only) | 2.0159% | 4,777 |
| Net charge-offs to loans | 0.0441% | 3,942 |
| Credit loss provision to net charge-offs | 194.4444% | 1,270 |
| Earnings coverage of net charge-offs (x) | 27.8333% | 1,421 |
| Efficiency ratio | 70.5467% | 3,450 |
| Assets per employee ($millions) | 6.2528% | 1,214 |
| Cash dividends to net income (ytd only)* | 77.9661% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9581% | 5,255 |
| Loan loss allowance to noncurrent loans | 2,472.7273% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 5,650 |
| Noncurrent loans to loans | 0.0387% | 5,724 |
| Net loans and leases to total assets | 79.3580% | 829 |
| Net loans and leases to deposits | 100.8753% | 575 |
| Net loans and leases to core deposits | 118.1390% | 458 |
| Total domestic deposits to total assets | 78.6694% | 5,315 |
| Equity capital to assets | 9.1657% | 5,112 |
| Core capital (leverage) ratio | 9.3337% | 4,488 |
| Tier 1 risk-based capital ratio | 11.8710% | 5,446 |
| Total risk-based capital ratio | 12.8543% | 5,522 |
| Memoranda: | ||
| Average total assets | $105,178,000 | 4,473 |
| Average earning assets | $101,073,400 | 4,370 |
| Average equity | $9,673,200 | 4,820 |
| Average total loans | $81,621,400 | 3,832 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9020% | 4,166 |
| Cost of funding earning assets | 0.6007% | 1,826 |
| Net interest margin | 3.3013% | 4,601 |
| Noninterest income to average assets | -0.0076% | 6,493 |
| Noninterest expense to average assets | 2.1989% | 5,354 |
| Loan and lease loss provision to assets | 0.0763% | 2,813 |
| Net operating income to assets | 0.8440% | 3,211 |
| Return on assets (ROA) | 0.8440% | 3,304 |
| Pretax return on assets | 0.8885% | 4,040 |
| Return on Equity (ROE) | 9.1687% | 2,595 |
| Retained earnings to average equity (ytd only) | 3.5073% | 4,142 |
| Net charge-offs to loans | 0.0958% | 2,851 |
| Credit loss provision to net charge-offs | 103.4483% | 2,134 |
| Earnings coverage of net charge-offs (x) | 13.0864% | 2,257 |
| Efficiency ratio | 69.5058% | 3,591 |
| Assets per employee ($millions) | 6.1112% | 1,255 |
| Cash dividends to net income (ytd only)* | 61.7467% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 5,412 |
| Loan loss allowance to noncurrent loans | 2,305.8824% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 5,661 |
| Noncurrent loans to loans | 0.0414% | 5,849 |
| Net loans and leases to total assets | 78.3773% | 918 |
| Net loans and leases to deposits | 97.6987% | 753 |
| Net loans and leases to core deposits | 114.3204% | 577 |
| Total domestic deposits to total assets | 80.2235% | 5,041 |
| Equity capital to assets | 9.4647% | 4,836 |
| Core capital (leverage) ratio | 9.5474% | 4,308 |
| Tier 1 risk-based capital ratio | 12.2286% | 5,343 |
| Total risk-based capital ratio | 13.1959% | 5,438 |
| Memoranda: | ||
| Average total assets | $104,898,000 | 4,522 |
| Average earning assets | $100,765,500 | 4,418 |
| Average equity | $9,655,750 | 4,862 |
| Average total loans | $80,733,750 | 3,883 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8686% | 4,267 |
| Cost of funding earning assets | 0.5972% | 1,924 |
| Net interest margin | 3.2715% | 4,697 |
| Noninterest income to average assets | -0.0095% | 6,568 |
| Noninterest expense to average assets | 2.1913% | 5,437 |
| Loan and lease loss provision to assets | 0.0855% | 2,595 |
| Net operating income to assets | 0.8058% | 3,296 |
| Return on assets (ROA) | 0.8058% | 3,402 |
| Pretax return on assets | 0.8476% | 4,086 |
| Return on Equity (ROE) | 8.8364% | 2,673 |
| Retained earnings to average equity (ytd only) | 4.6683% | 3,174 |
| Net charge-offs to loans | 0.1471% | 2,209 |
| Credit loss provision to net charge-offs | 76.2712% | 2,374 |
| Earnings coverage of net charge-offs (x) | 8.3220% | 2,510 |
| Efficiency ratio | 70.1338% | 3,633 |
| Assets per employee ($millions) | 6.1562% | 1,199 |
| Cash dividends to net income (ytd only)* | 47.1698% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9581% | 5,530 |
| Loan loss allowance to noncurrent loans | 2,194.2857% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.1596% | 5,677 |
| Noncurrent loans to loans | 0.0437% | 5,922 |
| Net loans and leases to total assets | 75.8571% | 1,185 |
| Net loans and leases to deposits | 92.6900% | 1,080 |
| Net loans and leases to core deposits | 107.9579% | 767 |
| Total domestic deposits to total assets | 81.8396% | 4,700 |
| Equity capital to assets | 9.3611% | 4,894 |
| Core capital (leverage) ratio | 9.4408% | 4,412 |
| Tier 1 risk-based capital ratio | 12.3171% | 5,350 |
| Total risk-based capital ratio | 13.2744% | 5,465 |
| Memoranda: | ||
| Average total assets | $105,233,670 | 4,553 |
| Average earning assets | $100,810,670 | 4,449 |
| Average equity | $9,596,670 | 4,891 |
| Average total loans | $80,241,330 | 3,902 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7880% | 4,536 |
| Cost of funding earning assets | 0.5906% | 2,059 |
| Net interest margin | 3.1974% | 4,926 |
| Noninterest income to average assets | 0.0190% | 6,570 |
| Noninterest expense to average assets | 2.2100% | 5,438 |
| Loan and lease loss provision to assets | 0.1137% | 2,057 |
| Net operating income to assets | 0.7354% | 3,515 |
| Return on assets (ROA) | 0.7354% | 3,593 |
| Pretax return on assets | 0.7733% | 4,209 |
| Return on Equity (ROE) | 8.1714% | 2,856 |
| Retained earnings to average equity (ytd only) | 3.9594% | 3,738 |
| Net charge-offs to loans | 0.3089% | 1,140 |
| Credit loss provision to net charge-offs | 48.3871% | 2,222 |
| Earnings coverage of net charge-offs (x) | 3.7742% | 2,633 |
| Efficiency ratio | 71.3586% | 3,598 |
| Assets per employee ($millions) | 6.6133% | 963 |
| Cash dividends to net income (ytd only)* | 51.5464% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9551% | 5,684 |
| Loan loss allowance to noncurrent loans | 2,142.8571% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.1862% | 5,668 |
| Noncurrent loans to loans | 0.0446% | 6,016 |
| Net loans and leases to total assets | 73.5049% | 1,347 |
| Net loans and leases to deposits | 89.3342% | 1,218 |
| Net loans and leases to core deposits | 103.0801% | 918 |
| Total domestic deposits to total assets | 82.2808% | 4,862 |
| Equity capital to assets | 9.0614% | 5,040 |
| Core capital (leverage) ratio | 9.3343% | 4,522 |
| Tier 1 risk-based capital ratio | 12.5935% | 5,261 |
| Total risk-based capital ratio | 13.5621% | 5,364 |
| Memoranda: | ||
| Average total assets | $105,522,500 | 4,594 |
| Average earning assets | $101,583,500 | 4,466 |
| Average equity | $9,496,500 | 4,935 |
| Average total loans | $80,283,500 | 3,923 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7965% | 4,831 |
| Cost of funding earning assets | 0.6493% | 2,210 |
| Net interest margin | 3.1472% | 5,167 |
| Noninterest income to average assets | -0.1424% | 6,740 |
| Noninterest expense to average assets | 2.2203% | 5,578 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6154% | 4,192 |
| Return on assets (ROA) | 0.6154% | 4,307 |
| Pretax return on assets | 0.6477% | 4,712 |
| Return on Equity (ROE) | 6.8284% | 3,659 |
| Retained earnings to average equity (ytd only) | 1.2434% | 5,271 |
| Net charge-offs to loans | 0.1491% | 3,312 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 5.9825% | 3,161 |
| Efficiency ratio | 77.4172% | 2,554 |
| Assets per employee ($millions) | 5.8463% | 1,374 |
| Cash dividends to net income (ytd only)* | 81.7901% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9532% | 5,747 |
| Loan loss allowance to noncurrent loans | 680.0000% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.3240% | 5,287 |
| Noncurrent loans to loans | 0.1402% | 5,782 |
| Net loans and leases to total assets | 77.2172% | 927 |
| Net loans and leases to deposits | 98.3336% | 573 |
| Net loans and leases to core deposits | 114.9921% | 444 |
| Total domestic deposits to total assets | 78.5257% | 5,733 |
| Equity capital to assets | 8.9373% | 5,112 |
| Core capital (leverage) ratio | 9.2290% | 4,675 |
| Tier 1 risk-based capital ratio | 11.9759% | 5,627 |
| Total risk-based capital ratio | 12.9457% | 5,737 |
| Memoranda: | ||
| Average total assets | $105,302,600 | 4,616 |
| Average earning assets | $100,724,400 | 4,487 |
| Average equity | $9,489,800 | 4,979 |
| Average total loans | $76,442,800 | 4,043 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7632% | 4,988 |
| Cost of funding earning assets | 0.6573% | 2,304 |
| Net interest margin | 3.1059% | 5,303 |
| Noninterest income to average assets | -0.1608% | 6,824 |
| Noninterest expense to average assets | 2.2407% | 5,505 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5317% | 4,659 |
| Return on assets (ROA) | 0.5317% | 4,815 |
| Pretax return on assets | 0.5596% | 5,173 |
| Return on Equity (ROE) | 5.8878% | 4,246 |
| Retained earnings to average equity (ytd only) | 0.1402% | 5,892 |
| Net charge-offs to loans | 0.0249% | 4,631 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 31.5651% | 1,197 |
| Efficiency ratio | 80.0181% | 2,099 |
| Assets per employee ($millions) | 6.1357% | 1,143 |
| Cash dividends to net income (ytd only)* | 97.6178% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1594% | 5,074 |
| Loan loss allowance to noncurrent loans | 309.4737% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.5944% | 4,657 |
| Noncurrent loans to loans | 0.3746% | 5,277 |
| Net loans and leases to total assets | 72.0901% | 1,584 |
| Net loans and leases to deposits | 90.7254% | 1,087 |
| Net loans and leases to core deposits | 106.0339% | 756 |
| Total domestic deposits to total assets | 79.4597% | 5,638 |
| Equity capital to assets | 8.9534% | 5,243 |
| Core capital (leverage) ratio | 9.2368% | 4,776 |
| Tier 1 risk-based capital ratio | 12.4381% | 5,492 |
| Total risk-based capital ratio | 13.5870% | 5,488 |
| Memoranda: | ||
| Average total assets | $105,320,000 | 4,659 |
| Average earning assets | $100,408,000 | 4,549 |
| Average equity | $9,511,000 | 5,031 |
| Average total loans | $75,043,500 | 4,117 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7611% | 4,955 |
| Cost of funding earning assets | 0.6779% | 2,242 |
| Net interest margin | 3.0832% | 5,324 |
| Noninterest income to average assets | -0.1022% | 6,851 |
| Noninterest expense to average assets | 2.2507% | 5,499 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5546% | 4,531 |
| Return on assets (ROA) | 0.5546% | 4,704 |
| Pretax return on assets | 0.5830% | 5,085 |
| Return on Equity (ROE) | 6.1244% | 4,093 |
| Retained earnings to average equity (ytd only) | 0.6898% | 5,624 |
| Net charge-offs to loans | 0.0375% | 4,158 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,390 |
| Efficiency ratio | 79.4255% | 2,234 |
| Assets per employee ($millions) | 5.7623% | 1,373 |
| Cash dividends to net income (ytd only)* | 88.7372% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1802% | 5,093 |
| Loan loss allowance to noncurrent loans | 286.3636% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.8745% | 4,054 |
| Noncurrent loans to loans | 0.4121% | 5,226 |
| Net loans and leases to total assets | 71.1999% | 1,690 |
| Net loans and leases to deposits | 85.6212% | 1,606 |
| Net loans and leases to core deposits | 101.0039% | 1,006 |
| Total domestic deposits to total assets | 83.1569% | 4,641 |
| Equity capital to assets | 8.9557% | 5,259 |
| Core capital (leverage) ratio | 9.0666% | 4,886 |
| Tier 1 risk-based capital ratio | 12.6475% | 5,395 |
| Total risk-based capital ratio | 13.8129% | 5,398 |
| Memoranda: | ||
| Average total assets | $105,657,670 | 4,684 |
| Average earning assets | $100,608,670 | 4,566 |
| Average equity | $9,568,330 | 5,046 |
| Average total loans | $74,699,000 | 4,150 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7325% | 5,050 |
| Cost of funding earning assets | 0.6937% | 2,274 |
| Net interest margin | 3.0388% | 5,465 |
| Noninterest income to average assets | -0.1688% | 6,944 |
| Noninterest expense to average assets | 2.2396% | 5,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4614% | 4,864 |
| Return on assets (ROA) | 0.4614% | 5,026 |
| Pretax return on assets | 0.4839% | 5,308 |
| Return on Equity (ROE) | 5.0680% | 4,534 |
| Retained earnings to average equity (ytd only) | -1.1125% | 5,968 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2314% | 2,015 |
| Assets per employee ($millions) | 5.9238% | 1,317 |
| Cash dividends to net income (ytd only)* | 121.9512% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 4,980 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6180% | 4,842 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 66.7145% | 2,244 |
| Net loans and leases to deposits | 80.6067% | 2,005 |
| Net loans and leases to core deposits | 95.8539% | 1,208 |
| Total domestic deposits to total assets | 82.7655% | 4,934 |
| Equity capital to assets | 9.0829% | 5,384 |
| Core capital (leverage) ratio | 8.8635% | 5,103 |
| Tier 1 risk-based capital ratio | 13.5630% | 4,825 |
| Total risk-based capital ratio | 14.8135% | 4,781 |
| Memoranda: | ||
| Average total assets | $106,625,500 | 4,702 |
| Average earning assets | $101,486,500 | 4,575 |
| Average equity | $9,708,000 | 5,064 |
| Average total loans | $74,682,500 | 4,179 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3778% | 3,911 |
| Cost of funding earning assets | 0.7843% | 2,789 |
| Net interest margin | 3.5935% | 4,112 |
| Noninterest income to average assets | -0.0109% | 6,849 |
| Noninterest expense to average assets | 2.2519% | 5,810 |
| Loan and lease loss provision to assets | 0.0346% | 5,454 |
| Net operating income to assets | 1.0517% | 2,116 |
| Return on assets (ROA) | 1.0517% | 2,310 |
| Pretax return on assets | 1.1071% | 3,134 |
| Return on Equity (ROE) | 11.1482% | 1,758 |
| Retained earnings to average equity (ytd only) | 5.1703% | 2,595 |
| Net charge-offs to loans | -0.0568% | 6,726 |
| Credit loss provision to net charge-offs | -81.3953% | 6,314 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3557% | 4,436 |
| Assets per employee ($millions) | 6.2719% | 1,125 |
| Cash dividends to net income (ytd only)* | 53.6218% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1586% | 5,312 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6743% | 4,795 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 71.6888% | 1,534 |
| Net loans and leases to deposits | 86.6494% | 1,423 |
| Net loans and leases to core deposits | 102.5298% | 859 |
| Total domestic deposits to total assets | 82.7343% | 4,832 |
| Equity capital to assets | 9.1266% | 5,364 |
| Core capital (leverage) ratio | 9.0659% | 4,794 |
| Tier 1 risk-based capital ratio | 12.5258% | 5,454 |
| Total risk-based capital ratio | 13.7023% | 5,462 |
| Memoranda: | ||
| Average total assets | $101,071,000 | 4,808 |
| Average earning assets | $95,756,200 | 4,698 |
| Average equity | $9,535,200 | 5,096 |
| Average total loans | $75,702,600 | 4,161 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4952% | 3,656 |
| Cost of funding earning assets | 0.8034% | 2,913 |
| Net interest margin | 3.6918% | 3,833 |
| Noninterest income to average assets | 0.0401% | 6,833 |
| Noninterest expense to average assets | 2.3233% | 5,622 |
| Loan and lease loss provision to assets | 0.0468% | 5,188 |
| Net operating income to assets | 1.1035% | 2,075 |
| Return on assets (ROA) | 1.1035% | 2,271 |
| Pretax return on assets | 1.1610% | 3,125 |
| Return on Equity (ROE) | 11.5954% | 1,760 |
| Retained earnings to average equity (ytd only) | 5.6923% | 2,901 |
| Net charge-offs to loans | -0.0602% | 6,753 |
| Credit loss provision to net charge-offs | -102.9412% | 6,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7955% | 4,481 |
| Assets per employee ($millions) | 6.0366% | 1,228 |
| Cash dividends to net income (ytd only)* | 50.9096% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 5,175 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7571% | 4,807 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 69.7804% | 1,951 |
| Net loans and leases to deposits | 85.1082% | 1,712 |
| Net loans and leases to core deposits | 101.5961% | 1,012 |
| Total domestic deposits to total assets | 81.9902% | 5,033 |
| Equity capital to assets | 9.4668% | 5,248 |
| Core capital (leverage) ratio | 9.4171% | 4,401 |
| Tier 1 risk-based capital ratio | 13.3035% | 5,020 |
| Total risk-based capital ratio | 14.5522% | 4,990 |
| Memoranda: | ||
| Average total assets | $99,683,250 | 4,886 |
| Average earning assets | $94,261,500 | 4,790 |
| Average equity | $9,486,250 | 5,156 |
| Average total loans | $75,295,250 | 4,224 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5650% | 3,500 |
| Cost of funding earning assets | 0.8193% | 3,038 |
| Net interest margin | 3.7457% | 3,612 |
| Noninterest income to average assets | 0.0952% | 6,693 |
| Noninterest expense to average assets | 2.3687% | 5,569 |
| Loan and lease loss provision to assets | 0.0709% | 4,741 |
| Net operating income to assets | 1.1428% | 1,901 |
| Return on assets (ROA) | 1.1428% | 2,122 |
| Pretax return on assets | 1.2036% | 2,909 |
| Return on Equity (ROE) | 11.9872% | 1,673 |
| Retained earnings to average equity (ytd only) | 6.2487% | 2,540 |
| Net charge-offs to loans | -0.0866% | 6,826 |
| Credit loss provision to net charge-offs | -106.0606% | 6,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0167% | 4,721 |
| Assets per employee ($millions) | 5.8759% | 1,310 |
| Cash dividends to net income (ytd only)* | 47.8723% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1720% | 5,470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8589% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 74.7935% | 1,131 |
| Net loans and leases to deposits | 92.1472% | 936 |
| Net loans and leases to core deposits | 109.2536% | 602 |
| Total domestic deposits to total assets | 81.1675% | 5,407 |
| Equity capital to assets | 9.5985% | 4,916 |
| Core capital (leverage) ratio | 9.4916% | 4,150 |
| Tier 1 risk-based capital ratio | 12.8824% | 5,268 |
| Total risk-based capital ratio | 14.1044% | 5,269 |
| Memoranda: | ||
| Average total assets | $98,703,670 | 4,931 |
| Average earning assets | $93,494,330 | 4,832 |
| Average equity | $9,410,000 | 5,180 |
| Average total loans | $76,228,000 | 4,212 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5708% | 3,636 |
| Cost of funding earning assets | 0.8522% | 3,048 |
| Net interest margin | 3.7186% | 3,746 |
| Noninterest income to average assets | 0.1631% | 6,408 |
| Noninterest expense to average assets | 2.3932% | 5,495 |
| Loan and lease loss provision to assets | 0.1223% | 3,814 |
| Net operating income to assets | 1.1090% | 2,045 |
| Return on assets (ROA) | 1.1090% | 2,229 |
| Pretax return on assets | 1.1701% | 3,026 |
| Return on Equity (ROE) | 11.6726% | 1,780 |
| Retained earnings to average equity (ytd only) | 6.5229% | 2,670 |
| Net charge-offs to loans | -0.0105% | 5,961 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9336% | 4,753 |
| Assets per employee ($millions) | 5.4731% | 1,717 |
| Cash dividends to net income (ytd only)* | 44.1176% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 5,815 |
| Loan loss allowance to noncurrent loans | 229.7297% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 1.2973% | 3,969 |
| Noncurrent loans to loans | 0.4907% | 5,693 |
| Net loans and leases to total assets | 75.6717% | 839 |
| Net loans and leases to deposits | 93.2853% | 710 |
| Net loans and leases to core deposits | 110.8834% | 502 |
| Total domestic deposits to total assets | 81.1186% | 5,566 |
| Equity capital to assets | 9.5366% | 4,745 |
| Core capital (leverage) ratio | 9.4114% | 4,180 |
| Tier 1 risk-based capital ratio | 12.8500% | 5,323 |
| Total risk-based capital ratio | 14.0376% | 5,355 |
| Memoranda: | ||
| Average total assets | $98,110,000 | 4,978 |
| Average earning assets | $92,937,500 | 4,880 |
| Average equity | $9,321,000 | 5,212 |
| Average total loans | $76,543,000 | 4,228 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9709% | 3,020 |
| Cost of funding earning assets | 1.0692% | 2,889 |
| Net interest margin | 3.9016% | 3,333 |
| Noninterest income to average assets | 0.2316% | 5,880 |
| Noninterest expense to average assets | 2.4800% | 5,535 |
| Loan and lease loss provision to assets | 0.3645% | 2,813 |
| Net operating income to assets | 1.0229% | 2,109 |
| Return on assets (ROA) | 1.0229% | 2,261 |
| Pretax return on assets | 1.0765% | 2,923 |
| Return on Equity (ROE) | 10.7955% | 1,765 |
| Retained earnings to average equity (ytd only) | 6.8915% | 1,557 |
| Net charge-offs to loans | 0.4453% | 3,207 |
| Credit loss provision to net charge-offs | 100.5917% | 3,467 |
| Earnings coverage of net charge-offs (x) | 3.9763% | 3,315 |
| Efficiency ratio | 63.2486% | 5,253 |
| Assets per employee ($millions) | 5.4281% | 1,712 |
| Cash dividends to net income (ytd only)* | 36.1635% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 5,988 |
| Loan loss allowance to noncurrent loans | 227.2222% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 1.4810% | 3,734 |
| Noncurrent loans to loans | 0.4634% | 5,786 |
| Net loans and leases to total assets | 78.6756% | 638 |
| Net loans and leases to deposits | 102.1216% | 368 |
| Net loans and leases to core deposits | 121.0723% | 338 |
| Total domestic deposits to total assets | 77.0411% | 6,333 |
| Equity capital to assets | 9.4642% | 4,938 |
| Core capital (leverage) ratio | 9.5209% | 3,990 |
| Tier 1 risk-based capital ratio | 12.0663% | 5,788 |
| Total risk-based capital ratio | 13.1574% | 5,877 |
| Memoranda: | ||
| Average total assets | $93,267,800 | 5,088 |
| Average earning assets | $88,193,800 | 4,988 |
| Average equity | $8,837,000 | 5,325 |
| Average total loans | $75,898,000 | 4,276 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0101% | 3,033 |
| Cost of funding earning assets | 1.1186% | 2,844 |
| Net interest margin | 3.8914% | 3,420 |
| Noninterest income to average assets | 0.2416% | 5,893 |
| Noninterest expense to average assets | 2.4841% | 5,517 |
| Loan and lease loss provision to assets | 0.3472% | 2,799 |
| Net operating income to assets | 1.0344% | 2,200 |
| Return on assets (ROA) | 1.0344% | 2,356 |
| Pretax return on assets | 1.0894% | 3,059 |
| Return on Equity (ROE) | 10.9143% | 1,891 |
| Retained earnings to average equity (ytd only) | 7.1744% | 1,875 |
| Net charge-offs to loans | 0.4241% | 3,023 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 4.1375% | 3,164 |
| Efficiency ratio | 63.3579% | 5,170 |
| Assets per employee ($millions) | 5.1367% | 2,012 |
| Cash dividends to net income (ytd only)* | 34.2659% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 5,909 |
| Loan loss allowance to noncurrent loans | 13,600.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 1.2784% | 4,252 |
| Noncurrent loans to loans | 0.0081% | 6,944 |
| Net loans and leases to total assets | 79.6844% | 547 |
| Net loans and leases to deposits | 98.8383% | 522 |
| Net loans and leases to core deposits | 115.9848% | 496 |
| Total domestic deposits to total assets | 80.6210% | 5,558 |
| Equity capital to assets | 9.7825% | 4,649 |
| Core capital (leverage) ratio | 9.6294% | 3,946 |
| Tier 1 risk-based capital ratio | 12.3805% | 5,596 |
| Total risk-based capital ratio | 13.5147% | 5,676 |
| Memoranda: | ||
| Average total assets | $92,158,500 | 5,167 |
| Average earning assets | $87,129,000 | 5,058 |
| Average equity | $8,734,500 | 5,378 |
| Average total loans | $75,450,500 | 4,336 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9705% | 3,313 |
| Cost of funding earning assets | 1.1624% | 2,833 |
| Net interest margin | 3.8081% | 3,743 |
| Noninterest income to average assets | 0.2412% | 5,921 |
| Noninterest expense to average assets | 2.4724% | 5,633 |
| Loan and lease loss provision to assets | 0.3911% | 2,461 |
| Net operating income to assets | 0.9364% | 2,491 |
| Return on assets (ROA) | 0.9364% | 2,590 |
| Pretax return on assets | 0.9863% | 3,285 |
| Return on Equity (ROE) | 9.9873% | 2,117 |
| Retained earnings to average equity (ytd only) | 6.6273% | 2,067 |
| Net charge-offs to loans | 0.4725% | 2,688 |
| Credit loss provision to net charge-offs | 100.5587% | 3,083 |
| Earnings coverage of net charge-offs (x) | 3.5419% | 3,141 |
| Efficiency ratio | 64.2212% | 5,197 |
| Assets per employee ($millions) | 4.8606% | 2,318 |
| Cash dividends to net income (ytd only)* | 33.6427% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 6,024 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2734% | 4,352 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 80.7855% | 464 |
| Net loans and leases to deposits | 98.9535% | 545 |
| Net loans and leases to core deposits | 112.8238% | 624 |
| Total domestic deposits to total assets | 81.6398% | 5,302 |
| Equity capital to assets | 9.4703% | 4,856 |
| Core capital (leverage) ratio | 9.4106% | 4,089 |
| Tier 1 risk-based capital ratio | 12.0933% | 5,714 |
| Total risk-based capital ratio | 13.2259% | 5,777 |
| Memoranda: | ||
| Average total assets | $92,057,670 | 5,209 |
| Average earning assets | $87,234,330 | 5,091 |
| Average equity | $8,631,000 | 5,419 |
| Average total loans | $75,769,670 | 4,354 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9092% | 3,543 |
| Cost of funding earning assets | 1.2147% | 2,721 |
| Net interest margin | 3.6945% | 4,139 |
| Noninterest income to average assets | 0.2568% | 5,841 |
| Noninterest expense to average assets | 2.4241% | 5,815 |
| Loan and lease loss provision to assets | 0.3917% | 2,231 |
| Net operating income to assets | 0.9139% | 2,496 |
| Return on assets (ROA) | 0.9139% | 2,554 |
| Pretax return on assets | 0.9618% | 3,279 |
| Return on Equity (ROE) | 9.7976% | 2,170 |
| Retained earnings to average equity (ytd only) | 6.0652% | 2,601 |
| Net charge-offs to loans | 0.1053% | 3,906 |
| Credit loss provision to net charge-offs | 450.0000% | 776 |
| Earnings coverage of net charge-offs (x) | 15.5500% | 1,313 |
| Efficiency ratio | 64.1705% | 5,338 |
| Assets per employee ($millions) | 4.8596% | 2,344 |
| Cash dividends to net income (ytd only)* | 38.0952% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 5,649 |
| Loan loss allowance to noncurrent loans | 147.9132% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 1.4058% | 4,168 |
| Noncurrent loans to loans | 0.8094% | 5,414 |
| Net loans and leases to total assets | 79.1884% | 603 |
| Net loans and leases to deposits | 96.6888% | 644 |
| Net loans and leases to core deposits | 108.6127% | 810 |
| Total domestic deposits to total assets | 81.9003% | 5,349 |
| Equity capital to assets | 9.2101% | 4,857 |
| Core capital (leverage) ratio | 9.1567% | 4,365 |
| Tier 1 risk-based capital ratio | 12.3213% | 5,425 |
| Total risk-based capital ratio | 13.5856% | 5,405 |
| Memoranda: | ||
| Average total assets | $91,910,500 | 5,241 |
| Average earning assets | $87,590,500 | 5,105 |
| Average equity | $8,573,500 | 5,441 |
| Average total loans | $75,942,500 | 4,388 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3154% | 3,048 |
| Cost of funding earning assets | 1.4399% | 3,018 |
| Net interest margin | 3.8755% | 3,610 |
| Noninterest income to average assets | 0.1175% | 6,820 |
| Noninterest expense to average assets | 2.4375% | 5,984 |
| Loan and lease loss provision to assets | 0.6529% | 2,528 |
| Net operating income to assets | 0.6826% | 3,292 |
| Return on assets (ROA) | 0.6877% | 3,399 |
| Pretax return on assets | 0.7345% | 3,850 |
| Return on Equity (ROE) | 7.3423% | 2,952 |
| Retained earnings to average equity (ytd only) | 2.3468% | 4,234 |
| Net charge-offs to loans | 0.7310% | 2,829 |
| Credit loss provision to net charge-offs | 105.0788% | 4,269 |
| Earnings coverage of net charge-offs (x) | 2.2242% | 4,054 |
| Efficiency ratio | 63.8177% | 5,384 |
| Assets per employee ($millions) | 4.8152% | 2,403 |
| Cash dividends to net income (ytd only)* | 68.0380% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0477% | 6,159 |
| Loan loss allowance to noncurrent loans | 134.8760% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 1.4210% | 4,215 |
| Noncurrent loans to loans | 0.7768% | 5,491 |
| Net loans and leases to total assets | 84.2362% | 281 |
| Net loans and leases to deposits | 108.9041% | 252 |
| Net loans and leases to core deposits | 132.0573% | 305 |
| Total domestic deposits to total assets | 77.3489% | 6,428 |
| Equity capital to assets | 9.4471% | 4,473 |
| Core capital (leverage) ratio | 9.1076% | 4,349 |
| Tier 1 risk-based capital ratio | 11.5341% | 5,874 |
| Total risk-based capital ratio | 12.6497% | 5,984 |
| Memoranda: | ||
| Average total assets | $91,898,200 | 5,226 |
| Average earning assets | $87,782,800 | 5,084 |
| Average equity | $8,607,600 | 5,527 |
| Average total loans | $78,114,200 | 4,387 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3248% | 3,233 |
| Cost of funding earning assets | 1.4800% | 3,091 |
| Net interest margin | 3.8448% | 3,775 |
| Noninterest income to average assets | 0.0377% | 7,332 |
| Noninterest expense to average assets | 2.4130% | 5,989 |
| Loan and lease loss provision to assets | 0.3043% | 4,141 |
| Net operating income to assets | 0.9424% | 2,446 |
| Return on assets (ROA) | 0.9492% | 2,548 |
| Pretax return on assets | 0.9985% | 3,191 |
| Return on Equity (ROE) | 10.1562% | 2,063 |
| Retained earnings to average equity (ytd only) | 5.4271% | 2,693 |
| Net charge-offs to loans | 0.2882% | 4,217 |
| Credit loss provision to net charge-offs | 124.2604% | 3,298 |
| Earnings coverage of net charge-offs (x) | 5.2899% | 2,784 |
| Efficiency ratio | 65.0645% | 5,040 |
| Assets per employee ($millions) | 4.7543% | 2,520 |
| Cash dividends to net income (ytd only)* | 46.5654% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0650% | 6,094 |
| Loan loss allowance to noncurrent loans | 69.0000% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 1.5122% | 4,186 |
| Noncurrent loans to loans | 1.5435% | 4,318 |
| Net loans and leases to total assets | 85.1470% | 255 |
| Net loans and leases to deposits | 107.9509% | 300 |
| Net loans and leases to core deposits | 131.2475% | 363 |
| Total domestic deposits to total assets | 78.8757% | 6,051 |
| Equity capital to assets | 9.7407% | 4,481 |
| Core capital (leverage) ratio | 9.4019% | 4,053 |
| Tier 1 risk-based capital ratio | 11.7725% | 5,668 |
| Total risk-based capital ratio | 12.9080% | 5,758 |
| Memoranda: | ||
| Average total assets | $92,000,750 | 5,290 |
| Average earning assets | $87,838,500 | 5,148 |
| Average equity | $8,598,750 | 5,603 |
| Average total loans | $78,172,250 | 4,464 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2858% | 3,534 |
| Cost of funding earning assets | 1.5186% | 3,143 |
| Net interest margin | 3.7672% | 4,059 |
| Noninterest income to average assets | -0.0778% | 7,613 |
| Noninterest expense to average assets | 2.4072% | 6,049 |
| Loan and lease loss provision to assets | 0.2593% | 4,341 |
| Net operating income to assets | 0.8044% | 2,952 |
| Return on assets (ROA) | 0.8146% | 3,050 |
| Pretax return on assets | 0.8578% | 3,668 |
| Return on Equity (ROE) | 8.8373% | 2,533 |
| Retained earnings to average equity (ytd only) | 4.0319% | 3,518 |
| Net charge-offs to loans | 0.1251% | 4,943 |
| Credit loss provision to net charge-offs | 244.8980% | 1,572 |
| Earnings coverage of net charge-offs (x) | 10.4490% | 1,888 |
| Efficiency ratio | 68.5117% | 4,474 |
| Assets per employee ($millions) | 4.8583% | 2,363 |
| Cash dividends to net income (ytd only)* | 54.3767% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 5,907 |
| Loan loss allowance to noncurrent loans | 63.8393% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 1.5925% | 4,063 |
| Noncurrent loans to loans | 1.7342% | 4,085 |
| Net loans and leases to total assets | 83.0295% | 437 |
| Net loans and leases to deposits | 105.8182% | 402 |
| Net loans and leases to core deposits | 129.2859% | 430 |
| Total domestic deposits to total assets | 78.4643% | 6,155 |
| Equity capital to assets | 9.3211% | 4,976 |
| Core capital (leverage) ratio | 9.1462% | 4,379 |
| Tier 1 risk-based capital ratio | 11.4779% | 5,792 |
| Total risk-based capital ratio | 12.6493% | 5,847 |
| Memoranda: | ||
| Average total assets | $92,557,000 | 5,293 |
| Average earning assets | $88,236,330 | 5,162 |
| Average equity | $8,532,000 | 5,624 |
| Average total loans | $78,315,330 | 4,497 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2681% | 3,695 |
| Cost of funding earning assets | 1.5401% | 3,328 |
| Net interest margin | 3.7280% | 4,109 |
| Noninterest income to average assets | -0.0691% | 7,736 |
| Noninterest expense to average assets | 2.3823% | 6,153 |
| Loan and lease loss provision to assets | 0.2589% | 3,965 |
| Net operating income to assets | 0.7995% | 2,963 |
| Return on assets (ROA) | 0.8200% | 2,973 |
| Pretax return on assets | 0.8632% | 3,616 |
| Return on Equity (ROE) | 8.9454% | 2,510 |
| Retained earnings to average equity (ytd only) | 5.1789% | 3,051 |
| Net charge-offs to loans | -0.0051% | 6,816 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4015% | 4,641 |
| Assets per employee ($millions) | 4.8366% | 2,455 |
| Cash dividends to net income (ytd only)* | 42.1053% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 5,963 |
| Loan loss allowance to noncurrent loans | 60.0992% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 1.7770% | 3,821 |
| Noncurrent loans to loans | 1.8465% | 3,995 |
| Net loans and leases to total assets | 82.2288% | 565 |
| Net loans and leases to deposits | 104.8596% | 481 |
| Net loans and leases to core deposits | 124.9545% | 616 |
| Total domestic deposits to total assets | 78.4180% | 6,221 |
| Equity capital to assets | 9.3279% | 4,789 |
| Core capital (leverage) ratio | 9.0248% | 4,520 |
| Tier 1 risk-based capital ratio | 11.5738% | 5,603 |
| Total risk-based capital ratio | 12.7500% | 5,654 |
| Memoranda: | ||
| Average total assets | $92,682,000 | 5,362 |
| Average earning assets | $88,304,500 | 5,228 |
| Average equity | $8,496,000 | 5,689 |
| Average total loans | $78,723,000 | 4,551 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4733% | 4,303 |
| Cost of funding earning assets | 1.9933% | 2,992 |
| Net interest margin | 3.4799% | 5,040 |
| Noninterest income to average assets | 0.2063% | 6,633 |
| Noninterest expense to average assets | 2.3668% | 6,560 |
| Loan and lease loss provision to assets | 0.6877% | 3,077 |
| Net operating income to assets | 0.4340% | 3,990 |
| Return on assets (ROA) | 0.4983% | 3,835 |
| Pretax return on assets | 0.5258% | 4,116 |
| Return on Equity (ROE) | 5.4785% | 3,440 |
| Retained earnings to average equity (ytd only) | 0.1279% | 4,826 |
| Net charge-offs to loans | 0.7481% | 2,956 |
| Credit loss provision to net charge-offs | 107.6159% | 5,146 |
| Earnings coverage of net charge-offs (x) | 1.7930% | 4,379 |
| Efficiency ratio | 67.3795% | 5,115 |
| Assets per employee ($millions) | 4.6734% | 2,657 |
| Cash dividends to net income (ytd only)* | 97.6645% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9712% | 6,526 |
| Loan loss allowance to noncurrent loans | 50.5459% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 2.0531% | 3,326 |
| Noncurrent loans to loans | 1.9214% | 3,768 |
| Net loans and leases to total assets | 85.8540% | 290 |
| Net loans and leases to deposits | 111.3306% | 336 |
| Net loans and leases to core deposits | 145.4654% | 624 |
| Total domestic deposits to total assets | 77.1162% | 6,444 |
| Equity capital to assets | 9.0084% | 5,133 |
| Core capital (leverage) ratio | 8.8621% | 4,659 |
| Tier 1 risk-based capital ratio | 10.7691% | 6,137 |
| Total risk-based capital ratio | 11.7982% | 6,327 |
| Memoranda: | ||
| Average total assets | $94,514,000 | 5,254 |
| Average earning assets | $89,800,200 | 5,128 |
| Average equity | $8,597,200 | 5,733 |
| Average total loans | $80,734,600 | 4,483 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5021% | 4,411 |
| Cost of funding earning assets | 2.1057% | 2,865 |
| Net interest margin | 3.3964% | 5,283 |
| Noninterest income to average assets | 0.2532% | 6,423 |
| Noninterest expense to average assets | 2.3733% | 6,497 |
| Loan and lease loss provision to assets | 0.1547% | 5,802 |
| Net operating income to assets | 0.9045% | 2,408 |
| Return on assets (ROA) | 1.0903% | 1,827 |
| Pretax return on assets | 1.1451% | 2,429 |
| Return on Equity (ROE) | 11.9575% | 1,364 |
| Retained earnings to average equity (ytd only) | 7.0202% | 1,493 |
| Net charge-offs to loans | -0.0050% | 7,629 |
| Credit loss provision to net charge-offs | -3,666.6667% | 7,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2443% | 4,921 |
| Assets per employee ($millions) | 4.6377% | 2,651 |
| Cash dividends to net income (ytd only)* | 41.2906% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 5,908 |
| Loan loss allowance to noncurrent loans | 39.3911% | 5,730 |
| Noncurrent assets plus other real estate owned to assets | 2.4042% | 2,865 |
| Noncurrent loans to loans | 2.7133% | 2,792 |
| Net loans and leases to total assets | 85.2253% | 414 |
| Net loans and leases to deposits | 110.7889% | 434 |
| Net loans and leases to core deposits | 145.4658% | 710 |
| Total domestic deposits to total assets | 76.9258% | 6,357 |
| Equity capital to assets | 9.4692% | 4,783 |
| Core capital (leverage) ratio | 9.3812% | 4,074 |
| Tier 1 risk-based capital ratio | 11.4179% | 5,510 |
| Total risk-based capital ratio | 12.5414% | 5,587 |
| Memoranda: | ||
| Average total assets | $94,775,500 | 5,277 |
| Average earning assets | $89,974,750 | 5,166 |
| Average equity | $8,641,500 | 5,775 |
| Average total loans | $80,660,000 | 4,532 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4916% | 4,680 |
| Cost of funding earning assets | 2.2011% | 2,789 |
| Net interest margin | 3.2906% | 5,591 |
| Noninterest income to average assets | 0.2263% | 6,673 |
| Noninterest expense to average assets | 2.3782% | 6,533 |
| Loan and lease loss provision to assets | 0.1257% | 5,853 |
| Net operating income to assets | 0.8144% | 2,801 |
| Return on assets (ROA) | 0.9199% | 2,474 |
| Pretax return on assets | 0.9660% | 3,125 |
| Return on Equity (ROE) | 10.2160% | 1,941 |
| Retained earnings to average equity (ytd only) | 5.5618% | 2,219 |
| Net charge-offs to loans | -0.0074% | 7,578 |
| Credit loss provision to net charge-offs | -2,000.0000% | 7,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8047% | 4,622 |
| Assets per employee ($millions) | 4.9022% | 2,189 |
| Cash dividends to net income (ytd only)* | 45.5581% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 6,192 |
| Loan loss allowance to noncurrent loans | 66.6667% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 1.3614% | 4,232 |
| Noncurrent loans to loans | 1.5087% | 4,231 |
| Net loans and leases to total assets | 84.9604% | 515 |
| Net loans and leases to deposits | 111.9089% | 484 |
| Net loans and leases to core deposits | 146.3935% | 743 |
| Total domestic deposits to total assets | 75.9193% | 6,572 |
| Equity capital to assets | 9.3976% | 4,754 |
| Core capital (leverage) ratio | 9.0407% | 4,566 |
| Tier 1 risk-based capital ratio | 11.1338% | 5,741 |
| Total risk-based capital ratio | 12.1915% | 5,879 |
| Memoranda: | ||
| Average total assets | $95,449,670 | 5,297 |
| Average earning assets | $90,865,330 | 5,168 |
| Average equity | $8,594,330 | 5,817 |
| Average total loans | $80,912,330 | 4,561 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4550% | 5,152 |
| Cost of funding earning assets | 2.3055% | 2,672 |
| Net interest margin | 3.1495% | 6,021 |
| Noninterest income to average assets | 0.1987% | 6,871 |
| Noninterest expense to average assets | 2.2566% | 6,670 |
| Loan and lease loss provision to assets | 0.1242% | 5,370 |
| Net operating income to assets | 0.7735% | 3,245 |
| Return on assets (ROA) | 0.8364% | 3,117 |
| Pretax return on assets | 0.8820% | 3,785 |
| Return on Equity (ROE) | 9.4891% | 2,535 |
| Retained earnings to average equity (ytd only) | 4.7915% | 3,241 |
| Net charge-offs to loans | -0.0098% | 7,268 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5959% | 4,456 |
| Assets per employee ($millions) | 5.2290% | 1,819 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9598% | 6,431 |
| Loan loss allowance to noncurrent loans | 64.9580% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 1.6064% | 3,511 |
| Noncurrent loans to loans | 1.4776% | 4,087 |
| Net loans and leases to total assets | 84.7443% | 588 |
| Net loans and leases to deposits | 112.3597% | 507 |
| Net loans and leases to core deposits | 148.2060% | 771 |
| Total domestic deposits to total assets | 75.4223% | 6,619 |
| Equity capital to assets | 9.2444% | 5,020 |
| Core capital (leverage) ratio | 8.7021% | 5,144 |
| Tier 1 risk-based capital ratio | 10.8563% | 6,034 |
| Total risk-based capital ratio | 11.8642% | 6,198 |
| Memoranda: | ||
| Average total assets | $96,604,000 | 5,285 |
| Average earning assets | $91,952,500 | 5,149 |
| Average equity | $8,515,000 | 5,873 |
| Average total loans | $81,400,000 | 4,573 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0164% | 5,473 |
| Cost of funding earning assets | 2.8015% | 2,703 |
| Net interest margin | 3.2149% | 6,325 |
| Noninterest income to average assets | 0.2973% | 6,337 |
| Noninterest expense to average assets | 2.3128% | 6,658 |
| Loan and lease loss provision to assets | 0.2194% | 4,693 |
| Net operating income to assets | 0.8108% | 3,392 |
| Return on assets (ROA) | 0.8108% | 3,232 |
| Pretax return on assets | 0.8108% | 4,034 |
| Return on Equity (ROE) | 8.9804% | 2,651 |
| Retained earnings to average equity (ytd only) | 1.7499% | 4,158 |
| Net charge-offs to loans | 0.2185% | 4,040 |
| Credit loss provision to net charge-offs | 123.4568% | 4,347 |
| Earnings coverage of net charge-offs (x) | 5.7963% | 3,530 |
| Efficiency ratio | 69.1828% | 4,495 |
| Assets per employee ($millions) | 5.5048% | 1,455 |
| Cash dividends to net income (ytd only)* | 80.5142% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9008% | 6,678 |
| Loan loss allowance to noncurrent loans | 62.2689% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 1.5259% | 3,166 |
| Noncurrent loans to loans | 1.4466% | 3,632 |
| Net loans and leases to total assets | 82.2750% | 1,179 |
| Net loans and leases to deposits | 112.8768% | 667 |
| Net loans and leases to core deposits | 152.2798% | 773 |
| Total domestic deposits to total assets | 72.8892% | 6,847 |
| Equity capital to assets | 8.4058% | 6,241 |
| Core capital (leverage) ratio | 8.6951% | 5,204 |
| Tier 1 risk-based capital ratio | 10.2718% | 6,449 |
| Total risk-based capital ratio | 11.1973% | 6,688 |
| Memoranda: | ||
| Average total assets | $91,146,600 | 5,312 |
| Average earning assets | $86,346,600 | 5,217 |
| Average equity | $8,229,000 | 5,994 |
| Average total loans | $74,158,800 | 4,731 |