Home > Ipava State Bank > Performance and Condition Ratios
Ipava 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 | 4.8562% | 2,371 |
| Cost of funding earning assets | 1.2265% | 2,739 |
| Net interest margin | 3.6298% | 1,903 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 3.0454% | 1,053 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.9473% | 2,380 |
| Return on assets (ROA) | 0.9473% | 2,367 |
| Pretax return on assets | 0.9473% | 2,822 |
| Return on Equity (ROE) | 12.0000% | 1,953 |
| Retained earnings to average equity (ytd only) | 4.3115% | 2,861 |
| Net charge-offs to loans | 0.0741% | 1,118 |
| Credit loss provision to net charge-offs | 167.6471% | 1,364 |
| Earnings coverage of net charge-offs (x) | 20.3431% | 1,860 |
| Efficiency ratio | 74.6828% | 1,383 |
| Assets per employee ($millions) | 6.1071% | 2,728 |
| Cash dividends to net income (ytd only)* | 64.0756% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 3,514 |
| Loan loss allowance to noncurrent loans | 16,862.5000% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 3,803 |
| Noncurrent loans to loans | 0.0057% | 3,735 |
| Net loans and leases to total assets | 65.4900% | 2,314 |
| Net loans and leases to deposits | 71.4497% | 2,787 |
| Net loans and leases to core deposits | 79.6842% | 2,721 |
| Total domestic deposits to total assets | 91.6600% | 365 |
| Equity capital to assets | 8.1497% | 3,311 |
| Core capital (leverage) ratio | 8.3691% | 4,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4951% | 1,687 |
| Memoranda: | ||
| Average total assets | $200,989,000 | 2,986 |
| Average earning assets | $187,531,800 | 2,961 |
| Average equity | $15,864,600 | 3,197 |
| Average total loans | $137,710,800 | 2,789 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7507% | 2,371 |
| Cost of funding earning assets | 1.0977% | 2,746 |
| Net interest margin | 3.6531% | 1,879 |
| Noninterest income to average assets | 0.7500% | 1,046 |
| Noninterest expense to average assets | 2.9888% | 1,084 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.0879% | 2,092 |
| Return on assets (ROA) | 1.0879% | 2,077 |
| Pretax return on assets | 1.0879% | 2,599 |
| Return on Equity (ROE) | 13.9100% | 1,682 |
| Retained earnings to average equity (ytd only) | 6.7373% | 2,384 |
| Net charge-offs to loans | -0.0916% | 4,483 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.7360% | 1,603 |
| Assets per employee ($millions) | 5.6429% | 3,070 |
| Cash dividends to net income (ytd only)* | 51.5489% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0791% | 2,973 |
| Loan loss allowance to noncurrent loans | 1,357.6577% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 3,274 |
| Noncurrent loans to loans | 0.0795% | 3,190 |
| Net loans and leases to total assets | 66.1700% | 2,227 |
| Net loans and leases to deposits | 71.8439% | 2,717 |
| Net loans and leases to core deposits | 80.8985% | 2,537 |
| Total domestic deposits to total assets | 92.1000% | 434 |
| Equity capital to assets | 7.4967% | 3,353 |
| Core capital (leverage) ratio | 8.1075% | 4,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6911% | 2,013 |
| Memoranda: | ||
| Average total assets | $197,798,750 | 3,013 |
| Average earning assets | $185,118,000 | 2,988 |
| Average equity | $15,475,750 | 3,215 |
| Average total loans | $136,803,750 | 2,808 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6576% | 2,292 |
| Cost of funding earning assets | 1.0185% | 2,537 |
| Net interest margin | 3.6391% | 1,946 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 2.9278% | 1,160 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.1652% | 1,931 |
| Return on assets (ROA) | 1.1652% | 1,925 |
| Pretax return on assets | 1.1652% | 2,462 |
| Return on Equity (ROE) | 14.6700% | 1,534 |
| Retained earnings to average equity (ytd only) | 7.9782% | 1,970 |
| Net charge-offs to loans | -0.1369% | 4,556 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.8623% | 1,772 |
| Assets per employee ($millions) | 5.7669% | 2,913 |
| Cash dividends to net income (ytd only)* | 45.6233% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0660% | 3,108 |
| Loan loss allowance to noncurrent loans | 1,129.2308% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 3,105 |
| Noncurrent loans to loans | 0.0944% | 3,031 |
| Net loans and leases to total assets | 69.4800% | 1,801 |
| Net loans and leases to deposits | 75.7804% | 2,332 |
| Net loans and leases to core deposits | 83.1825% | 2,262 |
| Total domestic deposits to total assets | 91.6900% | 476 |
| Equity capital to assets | 7.9873% | 3,225 |
| Core capital (leverage) ratio | 8.1816% | 4,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8071% | 1,977 |
| Memoranda: | ||
| Average total assets | $194,136,333 | 3,040 |
| Average earning assets | $182,627,000 | 3,010 |
| Average equity | $15,417,000 | 3,236 |
| Average total loans | $135,853,333 | 2,814 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5352% | 2,235 |
| Cost of funding earning assets | 0.9510% | 2,216 |
| Net interest margin | 3.5842% | 2,165 |
| Noninterest income to average assets | 0.8500% | 761 |
| Noninterest expense to average assets | 2.7417% | 1,568 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.3667% | 1,498 |
| Return on assets (ROA) | 1.3667% | 1,467 |
| Pretax return on assets | 1.3667% | 1,969 |
| Return on Equity (ROE) | 17.2600% | 1,136 |
| Retained earnings to average equity (ytd only) | 12.9193% | 1,109 |
| Net charge-offs to loans | 0.0889% | 636 |
| Credit loss provision to net charge-offs | 193.3333% | 843 |
| Earnings coverage of net charge-offs (x) | 23.9333% | 1,396 |
| Efficiency ratio | 64.8384% | 2,351 |
| Assets per employee ($millions) | 5.7501% | 2,979 |
| Cash dividends to net income (ytd only)* | 25.1515% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 3,641 |
| Loan loss allowance to noncurrent loans | 4,360.0000% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 3,501 |
| Noncurrent loans to loans | 0.0222% | 3,617 |
| Net loans and leases to total assets | 68.4600% | 1,788 |
| Net loans and leases to deposits | 74.5787% | 2,253 |
| Net loans and leases to core deposits | 81.5025% | 2,148 |
| Total domestic deposits to total assets | 91.7900% | 569 |
| Equity capital to assets | 7.9815% | 3,254 |
| Core capital (leverage) ratio | 8.1937% | 4,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6938% | 2,098 |
| Memoranda: | ||
| Average total assets | $193,167,500 | 3,081 |
| Average earning assets | $182,132,500 | 3,053 |
| Average equity | $15,295,000 | 3,281 |
| Average total loans | $134,927,000 | 2,855 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1588% | 1,332 |
| Cost of funding earning assets | 0.4739% | 1,558 |
| Net interest margin | 3.6849% | 1,411 |
| Noninterest income to average assets | 0.7600% | 1,100 |
| Noninterest expense to average assets | 3.1789% | 745 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.9395% | 2,819 |
| Return on assets (ROA) | 0.9395% | 2,758 |
| Pretax return on assets | 0.9395% | 3,243 |
| Return on Equity (ROE) | 11.4000% | 2,344 |
| Retained earnings to average equity (ytd only) | 0.9270% | 4,214 |
| Net charge-offs to loans | 0.1469% | 558 |
| Credit loss provision to net charge-offs | 83.0688% | 1,667 |
| Earnings coverage of net charge-offs (x) | 10.0688% | 2,204 |
| Efficiency ratio | 75.6369% | 1,055 |
| Assets per employee ($millions) | 5.6127% | 3,113 |
| Cash dividends to net income (ytd only)* | 91.8671% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9502% | 3,600 |
| Loan loss allowance to noncurrent loans | 364.6724% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.1839% | 2,263 |
| Noncurrent loans to loans | 0.2606% | 2,230 |
| Net loans and leases to total assets | 69.9200% | 1,647 |
| Net loans and leases to deposits | 78.8892% | 1,858 |
| Net loans and leases to core deposits | 85.1619% | 1,810 |
| Total domestic deposits to total assets | 88.6300% | 1,835 |
| Equity capital to assets | 7.8529% | 3,152 |
| Core capital (leverage) ratio | 7.9866% | 4,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5081% | 2,164 |
| Memoranda: | ||
| Average total assets | $185,847,600 | 3,138 |
| Average earning assets | $173,871,800 | 3,113 |
| Average equity | $15,318,600 | 3,342 |
| Average total loans | $128,629,800 | 2,844 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0492% | 1,162 |
| Cost of funding earning assets | 0.3781% | 1,458 |
| Net interest margin | 3.6711% | 1,216 |
| Noninterest income to average assets | 0.8100% | 1,010 |
| Noninterest expense to average assets | 2.9670% | 948 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.1794% | 1,776 |
| Return on assets (ROA) | 1.1794% | 1,747 |
| Pretax return on assets | 1.1794% | 2,452 |
| Return on Equity (ROE) | 14.1400% | 1,395 |
| Retained earnings to average equity (ytd only) | 5.6269% | 2,879 |
| Net charge-offs to loans | -0.0094% | 3,687 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.1862% | 1,736 |
| Assets per employee ($millions) | 5.6861% | 3,046 |
| Cash dividends to net income (ytd only)* | 60.1960% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0545% | 3,226 |
| Loan loss allowance to noncurrent loans | 1,540.8602% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 1,977 |
| Noncurrent loans to loans | 0.0684% | 3,385 |
| Net loans and leases to total assets | 69.5500% | 1,522 |
| Net loans and leases to deposits | 79.4759% | 1,607 |
| Net loans and leases to core deposits | 82.0630% | 1,758 |
| Total domestic deposits to total assets | 87.5200% | 2,587 |
| Equity capital to assets | 8.0134% | 2,885 |
| Core capital (leverage) ratio | 8.2955% | 4,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0464% | 2,040 |
| Memoranda: | ||
| Average total assets | $184,601,250 | 3,177 |
| Average earning assets | $172,080,250 | 3,154 |
| Average equity | $15,401,750 | 3,372 |
| Average total loans | $127,109,750 | 2,855 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8969% | 1,118 |
| Cost of funding earning assets | 0.3313% | 1,431 |
| Net interest margin | 3.5655% | 1,144 |
| Noninterest income to average assets | 0.8597% | 925 |
| Noninterest expense to average assets | 2.9511% | 911 |
| Loan and lease loss provision to assets | 0.0660% | 1,427 |
| Net operating income to assets | 1.1591% | 1,572 |
| Return on assets (ROA) | 1.1591% | 1,552 |
| Pretax return on assets | 1.1591% | 2,212 |
| Return on Equity (ROE) | 13.7005% | 1,191 |
| Retained earnings to average equity (ytd only) | 5.5427% | 2,494 |
| Net charge-offs to loans | -0.0129% | 3,690 |
| Credit loss provision to net charge-offs | -750.0000% | 3,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6642% | 1,865 |
| Assets per employee ($millions) | 5.3484% | 3,386 |
| Cash dividends to net income (ytd only)* | 59.5442% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0504% | 3,377 |
| Loan loss allowance to noncurrent loans | 2,379.3103% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.2322% | 2,158 |
| Noncurrent loans to loans | 0.0441% | 3,613 |
| Net loans and leases to total assets | 67.5155% | 1,521 |
| Net loans and leases to deposits | 74.1264% | 1,859 |
| Net loans and leases to core deposits | 76.5044% | 1,972 |
| Total domestic deposits to total assets | 91.0815% | 1,190 |
| Equity capital to assets | 8.0184% | 3,113 |
| Core capital (leverage) ratio | 8.4344% | 4,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7127% | 2,199 |
| Memoranda: | ||
| Average total assets | $181,692,667 | 3,230 |
| Average earning assets | $169,007,000 | 3,229 |
| Average equity | $15,371,667 | 3,465 |
| Average total loans | $124,180,000 | 2,902 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7779% | 1,129 |
| Cost of funding earning assets | 0.3316% | 1,363 |
| Net interest margin | 3.4463% | 1,192 |
| Noninterest income to average assets | 0.9259% | 802 |
| Noninterest expense to average assets | 2.9864% | 837 |
| Loan and lease loss provision to assets | 0.0681% | 1,203 |
| Net operating income to assets | 1.1029% | 1,523 |
| Return on assets (ROA) | 1.1029% | 1,512 |
| Pretax return on assets | 1.1029% | 2,134 |
| Return on Equity (ROE) | 12.6744% | 1,113 |
| Retained earnings to average equity (ytd only) | 6.8066% | 1,956 |
| Net charge-offs to loans | -0.0199% | 3,910 |
| Credit loss provision to net charge-offs | -500.0000% | 3,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8341% | 1,997 |
| Assets per employee ($millions) | 5.0904% | 3,677 |
| Cash dividends to net income (ytd only)* | 46.2963% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 3,291 |
| Loan loss allowance to noncurrent loans | 4,648.2759% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.2281% | 2,278 |
| Noncurrent loans to loans | 0.0239% | 3,820 |
| Net loans and leases to total assets | 65.5607% | 1,456 |
| Net loans and leases to deposits | 71.7103% | 1,806 |
| Net loans and leases to core deposits | 74.5520% | 1,896 |
| Total domestic deposits to total assets | 91.4244% | 846 |
| Equity capital to assets | 8.4031% | 3,240 |
| Core capital (leverage) ratio | 8.7128% | 3,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0181% | 1,790 |
| Memoranda: | ||
| Average total assets | $176,267,000 | 3,289 |
| Average earning assets | $165,278,500 | 3,275 |
| Average equity | $15,338,000 | 3,533 |
| Average total loans | $120,581,500 | 2,937 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4219% | 2,876 |
| Cost of funding earning assets | 0.3289% | 2,132 |
| Net interest margin | 3.0930% | 2,925 |
| Noninterest income to average assets | 1.4804% | 511 |
| Noninterest expense to average assets | 3.0903% | 851 |
| Loan and lease loss provision to assets | 0.0595% | 1,869 |
| Net operating income to assets | 1.1935% | 1,942 |
| Return on assets (ROA) | 1.1935% | 2,002 |
| Pretax return on assets | 1.1935% | 2,683 |
| Return on Equity (ROE) | 15.0149% | 945 |
| Retained earnings to average equity (ytd only) | 5.3415% | 2,650 |
| Net charge-offs to loans | -0.0045% | 3,525 |
| Credit loss provision to net charge-offs | -2,300.0000% | 4,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1493% | 1,598 |
| Assets per employee ($millions) | 4.7023% | 3,967 |
| Cash dividends to net income (ytd only)* | 64.4252% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0963% | 3,369 |
| Loan loss allowance to noncurrent loans | 1,726.3158% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 3,679 |
| Noncurrent loans to loans | 0.0635% | 3,627 |
| Net loans and leases to total assets | 69.9198% | 1,053 |
| Net loans and leases to deposits | 76.9422% | 1,494 |
| Net loans and leases to core deposits | 80.1307% | 1,581 |
| Total domestic deposits to total assets | 90.8732% | 540 |
| Equity capital to assets | 9.0246% | 3,596 |
| Core capital (leverage) ratio | 7.9159% | 4,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8999% | 1,889 |
| Memoranda: | ||
| Average total assets | $193,121,800 | 3,111 |
| Average earning assets | $178,758,800 | 3,105 |
| Average equity | $15,351,400 | 3,601 |
| Average total loans | $112,020,600 | 3,047 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2920% | 3,414 |
| Cost of funding earning assets | 0.3204% | 2,402 |
| Net interest margin | 2.9716% | 3,378 |
| Noninterest income to average assets | 1.6877% | 445 |
| Noninterest expense to average assets | 2.6796% | 1,640 |
| Loan and lease loss provision to assets | 0.0703% | 1,609 |
| Net operating income to assets | 1.6897% | 846 |
| Return on assets (ROA) | 1.6897% | 890 |
| Pretax return on assets | 1.6897% | 1,430 |
| Return on Equity (ROE) | 21.8862% | 312 |
| Retained earnings to average equity (ytd only) | 13.2983% | 596 |
| Net charge-offs to loans | -0.0133% | 3,794 |
| Credit loss provision to net charge-offs | -954.5455% | 3,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3560% | 2,935 |
| Assets per employee ($millions) | 5.1089% | 3,595 |
| Cash dividends to net income (ytd only)* | 39.2390% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2015% | 2,982 |
| Loan loss allowance to noncurrent loans | 554.2373% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 3,282 |
| Noncurrent loans to loans | 0.2168% | 3,085 |
| Net loans and leases to total assets | 56.8984% | 2,625 |
| Net loans and leases to deposits | 62.3769% | 3,003 |
| Net loans and leases to core deposits | 64.6689% | 3,073 |
| Total domestic deposits to total assets | 91.2172% | 306 |
| Equity capital to assets | 8.4792% | 4,227 |
| Core capital (leverage) ratio | 8.0078% | 4,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7661% | 1,402 |
| Memoranda: | ||
| Average total assets | $199,082,000 | 3,106 |
| Average earning assets | $184,362,000 | 3,103 |
| Average equity | $15,370,000 | 3,642 |
| Average total loans | $110,107,500 | 3,113 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2530% | 3,555 |
| Cost of funding earning assets | 0.3188% | 2,600 |
| Net interest margin | 2.9342% | 3,492 |
| Noninterest income to average assets | 1.9582% | 339 |
| Noninterest expense to average assets | 2.5994% | 1,856 |
| Loan and lease loss provision to assets | 0.0632% | 1,781 |
| Net operating income to assets | 2.0145% | 473 |
| Return on assets (ROA) | 2.0145% | 500 |
| Pretax return on assets | 2.0145% | 821 |
| Return on Equity (ROE) | 26.9163% | 149 |
| Retained earnings to average equity (ytd only) | 19.1411% | 184 |
| Net charge-offs to loans | -0.0326% | 4,191 |
| Credit loss provision to net charge-offs | -355.5556% | 3,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5767% | 3,594 |
| Assets per employee ($millions) | 5.6955% | 2,901 |
| Cash dividends to net income (ytd only)* | 28.8867% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 3,235 |
| 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 | 53.7805% | 3,155 |
| Net loans and leases to deposits | 58.4534% | 3,502 |
| Net loans and leases to core deposits | 60.0066% | 3,618 |
| Total domestic deposits to total assets | 92.0058% | 122 |
| Equity capital to assets | 7.7849% | 4,638 |
| Core capital (leverage) ratio | 7.4195% | 4,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0872% | 1,318 |
| Memoranda: | ||
| Average total assets | $202,433,333 | 3,080 |
| Average earning assets | $187,578,667 | 3,083 |
| Average equity | $15,150,667 | 3,665 |
| Average total loans | $110,522,667 | 3,120 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2325% | 3,626 |
| Cost of funding earning assets | 0.3265% | 2,739 |
| Net interest margin | 2.9061% | 3,499 |
| Noninterest income to average assets | 2.1657% | 328 |
| Noninterest expense to average assets | 2.5675% | 1,967 |
| Loan and lease loss provision to assets | 0.0597% | 1,928 |
| Net operating income to assets | 2.2473% | 384 |
| Return on assets (ROA) | 2.2473% | 417 |
| Pretax return on assets | 2.2473% | 640 |
| Return on Equity (ROE) | 30.6545% | 129 |
| Retained earnings to average equity (ytd only) | 25.5544% | 127 |
| Net charge-offs to loans | -0.0327% | 4,210 |
| Credit loss provision to net charge-offs | -333.3333% | 3,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6724% | 3,941 |
| Assets per employee ($millions) | 6.0158% | 2,590 |
| Cash dividends to net income (ytd only)* | 16.6372% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1279% | 3,299 |
| Loan loss allowance to noncurrent loans | 8,792.8571% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 4,344 |
| Noncurrent loans to loans | 0.0128% | 4,244 |
| Net loans and leases to total assets | 49.8264% | 3,642 |
| Net loans and leases to deposits | 53.7395% | 3,958 |
| Net loans and leases to core deposits | 55.1651% | 4,034 |
| Total domestic deposits to total assets | 92.7183% | 55 |
| Equity capital to assets | 7.1376% | 4,812 |
| Core capital (leverage) ratio | 7.9141% | 4,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9879% | 1,289 |
| Memoranda: | ||
| Average total assets | $201,131,500 | 3,082 |
| Average earning assets | $187,469,500 | 3,074 |
| Average equity | $14,745,000 | 3,714 |
| Average total loans | $110,012,000 | 3,131 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1275% | 2,344 |
| Cost of funding earning assets | 0.5031% | 2,929 |
| Net interest margin | 3.6244% | 2,057 |
| Noninterest income to average assets | 1.3339% | 653 |
| Noninterest expense to average assets | 3.2397% | 985 |
| Loan and lease loss provision to assets | 0.0729% | 3,475 |
| Net operating income to assets | 1.3380% | 1,153 |
| Return on assets (ROA) | 1.3380% | 1,251 |
| Pretax return on assets | 1.3380% | 1,859 |
| Return on Equity (ROE) | 16.7646% | 433 |
| Retained earnings to average equity (ytd only) | 3.5094% | 3,073 |
| Net charge-offs to loans | 0.0176% | 2,739 |
| Credit loss provision to net charge-offs | 657.8947% | 1,040 |
| Earnings coverage of net charge-offs (x) | 127.2632% | 671 |
| Efficiency ratio | 69.6612% | 1,996 |
| Assets per employee ($millions) | 5.1581% | 3,212 |
| Cash dividends to net income (ytd only)* | 79.0667% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 3,579 |
| Loan loss allowance to noncurrent loans | 13,244.4444% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 4,434 |
| Noncurrent loans to loans | 0.0081% | 4,352 |
| Net loans and leases to total assets | 59.0717% | 2,972 |
| Net loans and leases to deposits | 63.9839% | 3,442 |
| Net loans and leases to core deposits | 65.9120% | 3,549 |
| Total domestic deposits to total assets | 92.3228% | 49 |
| Equity capital to assets | 7.5566% | 4,829 |
| Core capital (leverage) ratio | 7.6913% | 4,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6527% | 1,989 |
| Memoranda: | ||
| Average total assets | $171,371,800 | 3,183 |
| Average earning assets | $156,824,400 | 3,199 |
| Average equity | $13,677,600 | 3,800 |
| Average total loans | $107,745,200 | 3,122 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2540% | 2,241 |
| Cost of funding earning assets | 0.5371% | 3,008 |
| Net interest margin | 3.7169% | 1,888 |
| Noninterest income to average assets | 1.4661% | 541 |
| Noninterest expense to average assets | 3.1650% | 1,133 |
| Loan and lease loss provision to assets | 0.0757% | 3,378 |
| Net operating income to assets | 1.6075% | 716 |
| Return on assets (ROA) | 1.6075% | 783 |
| Pretax return on assets | 1.6075% | 1,165 |
| Return on Equity (ROE) | 19.8489% | 241 |
| Retained earnings to average equity (ytd only) | 8.6931% | 1,078 |
| Net charge-offs to loans | -0.1733% | 4,907 |
| Credit loss provision to net charge-offs | -68.3453% | 3,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2844% | 2,545 |
| Assets per employee ($millions) | 5.0471% | 3,186 |
| Cash dividends to net income (ytd only)* | 56.2037% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 2,783 |
| Loan loss allowance to noncurrent loans | 3,771.4286% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 4,381 |
| Noncurrent loans to loans | 0.0313% | 4,272 |
| Net loans and leases to total assets | 60.8843% | 3,123 |
| Net loans and leases to deposits | 66.3446% | 3,593 |
| Net loans and leases to core deposits | 68.1843% | 3,750 |
| Total domestic deposits to total assets | 91.7698% | 75 |
| Equity capital to assets | 7.9556% | 4,728 |
| Core capital (leverage) ratio | 8.0866% | 4,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5401% | 1,640 |
| Memoranda: | ||
| Average total assets | $167,791,500 | 3,198 |
| Average earning assets | $152,667,750 | 3,214 |
| Average equity | $13,589,000 | 3,814 |
| Average total loans | $106,960,500 | 3,140 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3355% | 2,379 |
| Cost of funding earning assets | 0.5865% | 3,037 |
| Net interest margin | 3.7489% | 1,997 |
| Noninterest income to average assets | 1.2577% | 639 |
| Noninterest expense to average assets | 3.0082% | 1,558 |
| Loan and lease loss provision to assets | 0.0735% | 3,378 |
| Net operating income to assets | 1.6156% | 740 |
| Return on assets (ROA) | 1.6156% | 810 |
| Pretax return on assets | 1.6156% | 1,194 |
| Return on Equity (ROE) | 19.8191% | 254 |
| Retained earnings to average equity (ytd only) | 12.1501% | 441 |
| Net charge-offs to loans | -0.2735% | 4,972 |
| Credit loss provision to net charge-offs | -41.6667% | 3,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0397% | 2,820 |
| Assets per employee ($millions) | 4.8808% | 3,331 |
| Cash dividends to net income (ytd only)* | 38.6950% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 2,739 |
| Loan loss allowance to noncurrent loans | 3,794.1176% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 4,463 |
| Noncurrent loans to loans | 0.0305% | 4,360 |
| Net loans and leases to total assets | 60.9480% | 3,222 |
| Net loans and leases to deposits | 66.3856% | 3,689 |
| Net loans and leases to core deposits | 68.3614% | 3,836 |
| Total domestic deposits to total assets | 91.8091% | 63 |
| Equity capital to assets | 7.9705% | 4,732 |
| Core capital (leverage) ratio | 7.6974% | 4,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8715% | 1,525 |
| Memoranda: | ||
| Average total assets | $163,156,333 | 3,215 |
| Average earning assets | $149,695,333 | 3,224 |
| Average equity | $13,300,333 | 3,841 |
| Average total loans | $105,299,000 | 3,161 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6238% | 1,931 |
| Cost of funding earning assets | 0.6670% | 3,076 |
| Net interest margin | 3.9567% | 1,512 |
| Noninterest income to average assets | 1.0619% | 756 |
| Noninterest expense to average assets | 3.2064% | 1,410 |
| Loan and lease loss provision to assets | 0.0777% | 2,750 |
| Net operating income to assets | 1.3882% | 1,015 |
| Return on assets (ROA) | 1.3882% | 1,091 |
| Pretax return on assets | 1.3882% | 1,599 |
| Return on Equity (ROE) | 16.8111% | 355 |
| Retained earnings to average equity (ytd only) | 12.0438% | 424 |
| Net charge-offs to loans | -0.5554% | 5,031 |
| Credit loss provision to net charge-offs | -21.1268% | 3,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6253% | 2,571 |
| Assets per employee ($millions) | 4.5135% | 3,239 |
| Cash dividends to net income (ytd only)* | 28.3582% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 2,514 |
| Loan loss allowance to noncurrent loans | 350.4178% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.2150% | 3,618 |
| Noncurrent loans to loans | 0.3508% | 3,228 |
| Net loans and leases to total assets | 60.5218% | 3,442 |
| Net loans and leases to deposits | 65.7631% | 3,881 |
| Net loans and leases to core deposits | 70.1402% | 3,872 |
| Total domestic deposits to total assets | 92.0300% | 37 |
| Equity capital to assets | 7.7802% | 5,005 |
| Core capital (leverage) ratio | 8.1275% | 4,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9541% | 1,922 |
| Memoranda: | ||
| Average total assets | $154,439,500 | 3,269 |
| Average earning assets | $140,924,000 | 3,300 |
| Average equity | $12,753,500 | 3,907 |
| Average total loans | $102,270,500 | 3,191 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8754% | 1,826 |
| Cost of funding earning assets | 0.6730% | 3,296 |
| Net interest margin | 4.2023% | 1,318 |
| Noninterest income to average assets | 1.0063% | 961 |
| Noninterest expense to average assets | 3.2508% | 1,406 |
| Loan and lease loss provision to assets | 0.0634% | 2,769 |
| Net operating income to assets | 1.5553% | 932 |
| Return on assets (ROA) | 1.5708% | 953 |
| Pretax return on assets | 1.5708% | 1,582 |
| Return on Equity (ROE) | 17.9982% | 340 |
| Retained earnings to average equity (ytd only) | 5.6522% | 2,060 |
| Net charge-offs to loans | 0.0915% | 1,816 |
| Credit loss provision to net charge-offs | 98.9011% | 2,519 |
| Earnings coverage of net charge-offs (x) | 25.2418% | 1,738 |
| Efficiency ratio | 66.7583% | 2,653 |
| Assets per employee ($millions) | 4.0537% | 3,840 |
| Cash dividends to net income (ytd only)* | 68.5958% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0625% | 3,155 |
| Loan loss allowance to noncurrent loans | 1,410.3896% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 4,358 |
| Noncurrent loans to loans | 0.0753% | 4,225 |
| Net loans and leases to total assets | 71.2760% | 2,210 |
| Net loans and leases to deposits | 78.2932% | 2,977 |
| Net loans and leases to core deposits | 81.1675% | 3,202 |
| Total domestic deposits to total assets | 91.0374% | 119 |
| Equity capital to assets | 8.8203% | 4,779 |
| Core capital (leverage) ratio | 8.7276% | 4,709 |
| Tier 1 risk-based capital ratio | 13.2329% | 3,662 |
| Total risk-based capital ratio | 14.3815% | 3,610 |
| Memoranda: | ||
| Average total assets | $141,903,200 | 3,410 |
| Average earning assets | $130,452,000 | 3,414 |
| Average equity | $12,384,600 | 3,949 |
| Average total loans | $99,471,800 | 3,231 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8500% | 1,973 |
| Cost of funding earning assets | 0.6469% | 3,464 |
| Net interest margin | 4.2031% | 1,374 |
| Noninterest income to average assets | 0.9471% | 1,048 |
| Noninterest expense to average assets | 2.9520% | 2,101 |
| Loan and lease loss provision to assets | 0.0846% | 2,216 |
| Net operating income to assets | 1.7870% | 629 |
| Return on assets (ROA) | 1.8077% | 641 |
| Pretax return on assets | 1.8077% | 1,075 |
| Return on Equity (ROE) | 20.7676% | 209 |
| Retained earnings to average equity (ytd only) | 10.7616% | 570 |
| Net charge-offs to loans | -0.0796% | 4,947 |
| Credit loss provision to net charge-offs | -152.5424% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1998% | 3,450 |
| Assets per employee ($millions) | 4.1906% | 3,629 |
| Cash dividends to net income (ytd only)* | 48.1809% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 2,399 |
| Loan loss allowance to noncurrent loans | 20,600.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 4,753 |
| Noncurrent loans to loans | 0.0059% | 4,660 |
| Net loans and leases to total assets | 70.2173% | 2,434 |
| Net loans and leases to deposits | 77.4196% | 3,161 |
| Net loans and leases to core deposits | 80.8683% | 3,322 |
| Total domestic deposits to total assets | 90.6971% | 138 |
| Equity capital to assets | 8.9864% | 4,785 |
| Core capital (leverage) ratio | 8.8108% | 4,771 |
| Tier 1 risk-based capital ratio | 13.7653% | 3,440 |
| Total risk-based capital ratio | 15.0161% | 3,350 |
| Memoranda: | ||
| Average total assets | $141,909,500 | 3,444 |
| Average earning assets | $130,884,000 | 3,447 |
| Average equity | $12,352,250 | 3,991 |
| Average total loans | $98,787,000 | 3,284 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7824% | 2,114 |
| Cost of funding earning assets | 0.6053% | 3,618 |
| Net interest margin | 4.1771% | 1,414 |
| Noninterest income to average assets | 0.9272% | 1,018 |
| Noninterest expense to average assets | 2.9580% | 2,116 |
| Loan and lease loss provision to assets | 0.0847% | 2,150 |
| Net operating income to assets | 1.7415% | 669 |
| Return on assets (ROA) | 1.7725% | 655 |
| Pretax return on assets | 1.7725% | 1,106 |
| Return on Equity (ROE) | 20.5873% | 222 |
| Retained earnings to average equity (ytd only) | 11.5722% | 469 |
| Net charge-offs to loans | -0.0898% | 4,982 |
| Credit loss provision to net charge-offs | -136.3636% | 3,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8289% | 3,461 |
| Assets per employee ($millions) | 4.3942% | 3,293 |
| Cash dividends to net income (ytd only)* | 43.7898% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 2,636 |
| Loan loss allowance to noncurrent loans | 186.3850% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.4544% | 2,700 |
| Noncurrent loans to loans | 0.6320% | 2,362 |
| Net loans and leases to total assets | 71.0610% | 2,368 |
| Net loans and leases to deposits | 78.2240% | 3,133 |
| Net loans and leases to core deposits | 81.0061% | 3,341 |
| Total domestic deposits to total assets | 90.8430% | 122 |
| Equity capital to assets | 8.9046% | 4,851 |
| Core capital (leverage) ratio | 9.1057% | 4,542 |
| Tier 1 risk-based capital ratio | 13.3581% | 3,652 |
| Total risk-based capital ratio | 14.6087% | 3,552 |
| Memoranda: | ||
| Average total assets | $141,718,670 | 3,470 |
| Average earning assets | $130,855,000 | 3,463 |
| Average equity | $12,201,670 | 4,016 |
| Average total loans | $97,955,000 | 3,315 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6860% | 2,271 |
| Cost of funding earning assets | 0.5963% | 3,597 |
| Net interest margin | 4.0896% | 1,575 |
| Noninterest income to average assets | 0.9137% | 1,016 |
| Noninterest expense to average assets | 2.8846% | 2,316 |
| Loan and lease loss provision to assets | 0.0590% | 2,471 |
| Net operating income to assets | 1.7684% | 629 |
| Return on assets (ROA) | 1.7684% | 646 |
| Pretax return on assets | 1.7684% | 1,060 |
| Return on Equity (ROE) | 20.8935% | 216 |
| Retained earnings to average equity (ytd only) | 15.2466% | 264 |
| Net charge-offs to loans | -0.0830% | 4,981 |
| Credit loss provision to net charge-offs | -105.0000% | 3,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2172% | 3,647 |
| Assets per employee ($millions) | 4.5604% | 3,103 |
| Cash dividends to net income (ytd only)* | 27.0270% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1687% | 2,748 |
| Loan loss allowance to noncurrent loans | 902.4000% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.0857% | 4,380 |
| Noncurrent loans to loans | 0.1295% | 4,156 |
| Net loans and leases to total assets | 65.3633% | 3,128 |
| Net loans and leases to deposits | 71.5214% | 3,643 |
| Net loans and leases to core deposits | 74.2078% | 3,786 |
| Total domestic deposits to total assets | 91.3898% | 108 |
| Equity capital to assets | 8.4094% | 5,037 |
| Core capital (leverage) ratio | 8.4852% | 5,019 |
| Tier 1 risk-based capital ratio | 13.5498% | 3,580 |
| Total risk-based capital ratio | 14.7951% | 3,494 |
| Memoranda: | ||
| Average total assets | $142,271,500 | 3,502 |
| Average earning assets | $132,138,500 | 3,484 |
| Average equity | $12,042,000 | 4,049 |
| Average total loans | $96,376,500 | 3,376 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6940% | 1,840 |
| Cost of funding earning assets | 0.5926% | 2,779 |
| Net interest margin | 4.1013% | 1,675 |
| Noninterest income to average assets | 0.8622% | 1,284 |
| Noninterest expense to average assets | 3.0925% | 1,820 |
| Loan and lease loss provision to assets | 0.1394% | 1,540 |
| Net operating income to assets | 1.4152% | 1,379 |
| Return on assets (ROA) | 1.4137% | 1,373 |
| Pretax return on assets | 1.4137% | 2,085 |
| Return on Equity (ROE) | 15.8079% | 671 |
| Retained earnings to average equity (ytd only) | 4.6589% | 2,953 |
| Net charge-offs to loans | 0.1886% | 1,018 |
| Credit loss provision to net charge-offs | 105.1724% | 2,422 |
| Earnings coverage of net charge-offs (x) | 11.7299% | 2,605 |
| Efficiency ratio | 66.5465% | 2,778 |
| Assets per employee ($millions) | 4.3316% | 3,408 |
| Cash dividends to net income (ytd only)* | 70.5280% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 2,928 |
| Loan loss allowance to noncurrent loans | 3,882.1429% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 4,779 |
| Noncurrent loans to loans | 0.0291% | 4,639 |
| Net loans and leases to total assets | 68.6468% | 2,784 |
| Net loans and leases to deposits | 75.1827% | 3,416 |
| Net loans and leases to core deposits | 79.2062% | 3,482 |
| Total domestic deposits to total assets | 91.3066% | 148 |
| Equity capital to assets | 8.5217% | 4,918 |
| Core capital (leverage) ratio | 8.7359% | 4,854 |
| Tier 1 risk-based capital ratio | 13.1962% | 3,727 |
| Total risk-based capital ratio | 14.4105% | 3,636 |
| Memoranda: | ||
| Average total assets | $131,285,600 | 3,634 |
| Average earning assets | $121,155,600 | 3,626 |
| Average equity | $11,741,000 | 4,056 |
| Average total loans | $92,256,600 | 3,437 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6887% | 1,710 |
| Cost of funding earning assets | 0.5935% | 2,518 |
| Net interest margin | 4.0952% | 1,648 |
| Noninterest income to average assets | 0.8971% | 1,211 |
| Noninterest expense to average assets | 3.0538% | 1,871 |
| Loan and lease loss provision to assets | 0.0659% | 2,657 |
| Net operating income to assets | 1.5583% | 1,050 |
| Return on assets (ROA) | 1.5562% | 1,057 |
| Pretax return on assets | 1.5562% | 1,714 |
| Return on Equity (ROE) | 17.1848% | 525 |
| Retained earnings to average equity (ytd only) | 9.3373% | 1,099 |
| Net charge-offs to loans | -0.0029% | 4,133 |
| Credit loss provision to net charge-offs | -3,200.0000% | 4,805 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2796% | 2,990 |
| Assets per employee ($millions) | 4.0232% | 3,848 |
| Cash dividends to net income (ytd only)* | 45.6652% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2550% | 2,340 |
| Loan loss allowance to noncurrent loans | 2,080.0000% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 4,758 |
| Noncurrent loans to loans | 0.0603% | 4,620 |
| Net loans and leases to total assets | 69.9189% | 2,661 |
| Net loans and leases to deposits | 78.0148% | 3,234 |
| Net loans and leases to core deposits | 81.8556% | 3,335 |
| Total domestic deposits to total assets | 89.6227% | 629 |
| Equity capital to assets | 9.3862% | 4,195 |
| Core capital (leverage) ratio | 9.3569% | 4,326 |
| Tier 1 risk-based capital ratio | 14.1400% | 3,299 |
| Total risk-based capital ratio | 15.3906% | 3,214 |
| Memoranda: | ||
| Average total assets | $129,454,250 | 3,687 |
| Average earning assets | $119,518,750 | 3,690 |
| Average equity | $11,723,250 | 4,097 |
| Average total loans | $91,261,000 | 3,476 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6318% | 1,689 |
| Cost of funding earning assets | 0.5990% | 2,230 |
| Net interest margin | 4.0328% | 1,751 |
| Noninterest income to average assets | 0.8713% | 1,268 |
| Noninterest expense to average assets | 3.0010% | 2,039 |
| Loan and lease loss provision to assets | 0.0663% | 2,572 |
| Net operating income to assets | 1.5313% | 1,073 |
| Return on assets (ROA) | 1.5313% | 1,076 |
| Pretax return on assets | 1.5313% | 1,704 |
| Return on Equity (ROE) | 17.1163% | 510 |
| Retained earnings to average equity (ytd only) | 11.1006% | 648 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2582% | 3,106 |
| Assets per employee ($millions) | 4.3540% | 3,348 |
| Cash dividends to net income (ytd only)* | 35.1460% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 2,499 |
| 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 | 68.4250% | 2,808 |
| Net loans and leases to deposits | 75.5190% | 3,389 |
| Net loans and leases to core deposits | 81.0380% | 3,318 |
| Total domestic deposits to total assets | 90.6063% | 360 |
| Equity capital to assets | 9.1158% | 4,466 |
| Core capital (leverage) ratio | 9.1571% | 4,510 |
| Tier 1 risk-based capital ratio | 14.0346% | 3,342 |
| Total risk-based capital ratio | 15.2860% | 3,262 |
| Memoranda: | ||
| Average total assets | $129,691,670 | 3,709 |
| Average earning assets | $119,867,000 | 3,716 |
| Average equity | $11,603,000 | 4,133 |
| Average total loans | $91,295,000 | 3,490 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5468% | 1,724 |
| Cost of funding earning assets | 0.5965% | 2,080 |
| Net interest margin | 3.9503% | 1,867 |
| Noninterest income to average assets | 0.8450% | 1,317 |
| Noninterest expense to average assets | 3.1108% | 1,791 |
| Loan and lease loss provision to assets | 0.0588% | 2,596 |
| Net operating income to assets | 1.3650% | 1,440 |
| Return on assets (ROA) | 1.3650% | 1,453 |
| Pretax return on assets | 1.3650% | 2,121 |
| Return on Equity (ROE) | 15.4048% | 727 |
| Retained earnings to average equity (ytd only) | 12.9596% | 527 |
| Net charge-offs to loans | -0.0131% | 4,364 |
| Credit loss provision to net charge-offs | -633.3333% | 4,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6007% | 2,733 |
| Assets per employee ($millions) | 4.3659% | 3,370 |
| Cash dividends to net income (ytd only)* | 15.8730% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 2,749 |
| Loan loss allowance to noncurrent loans | 687.5000% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 4,483 |
| Noncurrent loans to loans | 0.1760% | 4,188 |
| Net loans and leases to total assets | 68.5517% | 2,691 |
| Net loans and leases to deposits | 77.3612% | 3,075 |
| Net loans and leases to core deposits | 83.1330% | 3,048 |
| Total domestic deposits to total assets | 88.6125% | 1,300 |
| Equity capital to assets | 8.8840% | 4,678 |
| Core capital (leverage) ratio | 9.0102% | 4,671 |
| Tier 1 risk-based capital ratio | 13.4600% | 3,684 |
| Total risk-based capital ratio | 14.7104% | 3,600 |
| Memoranda: | ||
| Average total assets | $129,228,000 | 3,759 |
| Average earning assets | $120,699,000 | 3,736 |
| Average equity | $11,451,000 | 4,198 |
| Average total loans | $91,694,000 | 3,509 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6486% | 1,310 |
| Cost of funding earning assets | 0.5989% | 1,598 |
| Net interest margin | 4.0496% | 1,592 |
| Noninterest income to average assets | 0.8262% | 1,477 |
| Noninterest expense to average assets | 3.2538% | 1,486 |
| Loan and lease loss provision to assets | 0.0610% | 3,012 |
| Net operating income to assets | 1.2769% | 1,283 |
| Return on assets (ROA) | 1.2769% | 1,306 |
| Pretax return on assets | 1.2769% | 2,445 |
| Return on Equity (ROE) | 13.6390% | 823 |
| Retained earnings to average equity (ytd only) | 4.2159% | 2,634 |
| Net charge-offs to loans | -0.0236% | 4,998 |
| Credit loss provision to net charge-offs | -347.6190% | 4,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8614% | 2,422 |
| Assets per employee ($millions) | 4.2493% | 3,578 |
| Cash dividends to net income (ytd only)* | 69.0897% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1654% | 2,981 |
| Loan loss allowance to noncurrent loans | 665.4321% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.1271% | 4,489 |
| Noncurrent loans to loans | 0.1751% | 4,218 |
| Net loans and leases to total assets | 71.7161% | 2,275 |
| Net loans and leases to deposits | 80.9304% | 2,821 |
| Net loans and leases to core deposits | 87.3883% | 2,775 |
| Total domestic deposits to total assets | 88.6146% | 1,186 |
| Equity capital to assets | 8.8375% | 4,865 |
| Core capital (leverage) ratio | 8.9373% | 4,721 |
| Tier 1 risk-based capital ratio | 13.0199% | 3,891 |
| Total risk-based capital ratio | 14.2657% | 3,793 |
| Memoranda: | ||
| Average total assets | $119,585,000 | 3,903 |
| Average earning assets | $111,195,600 | 3,895 |
| Average equity | $11,195,800 | 4,270 |
| Average total loans | $88,882,600 | 3,546 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6464% | 1,253 |
| Cost of funding earning assets | 0.5959% | 1,554 |
| Net interest margin | 4.0505% | 1,539 |
| Noninterest income to average assets | 0.8684% | 1,379 |
| Noninterest expense to average assets | 3.1493% | 1,674 |
| Loan and lease loss provision to assets | 0.0521% | 3,055 |
| Net operating income to assets | 1.4273% | 1,031 |
| Return on assets (ROA) | 1.4273% | 1,056 |
| Pretax return on assets | 1.4273% | 2,027 |
| Return on Equity (ROE) | 15.0168% | 649 |
| Retained earnings to average equity (ytd only) | 8.4090% | 1,048 |
| Net charge-offs to loans | -0.0152% | 4,757 |
| Credit loss provision to net charge-offs | -460.0000% | 4,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0382% | 2,869 |
| Assets per employee ($millions) | 4.1695% | 3,701 |
| Cash dividends to net income (ytd only)* | 44.0034% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1313% | 3,300 |
| Loan loss allowance to noncurrent loans | 509.8039% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 4,257 |
| Noncurrent loans to loans | 0.2219% | 4,179 |
| Net loans and leases to total assets | 75.1662% | 1,731 |
| Net loans and leases to deposits | 85.7410% | 2,330 |
| Net loans and leases to core deposits | 92.2599% | 2,413 |
| Total domestic deposits to total assets | 87.6666% | 1,535 |
| Equity capital to assets | 9.5099% | 4,437 |
| Core capital (leverage) ratio | 9.5761% | 4,058 |
| Tier 1 risk-based capital ratio | 13.5088% | 3,694 |
| Total risk-based capital ratio | 14.7306% | 3,629 |
| Memoranda: | ||
| Average total assets | $117,611,500 | 3,972 |
| Average earning assets | $109,185,500 | 3,974 |
| Average equity | $11,178,250 | 4,316 |
| Average total loans | $87,978,000 | 3,598 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5952% | 1,258 |
| Cost of funding earning assets | 0.5811% | 1,569 |
| Net interest margin | 4.0141% | 1,563 |
| Noninterest income to average assets | 0.9338% | 1,171 |
| Noninterest expense to average assets | 3.2014% | 1,575 |
| Loan and lease loss provision to assets | 0.0515% | 2,955 |
| Net operating income to assets | 1.4042% | 1,059 |
| Return on assets (ROA) | 1.4042% | 1,084 |
| Pretax return on assets | 1.4042% | 2,004 |
| Return on Equity (ROE) | 14.7769% | 700 |
| Retained earnings to average equity (ytd only) | 9.5923% | 678 |
| Net charge-offs to loans | -0.0277% | 4,917 |
| Credit loss provision to net charge-offs | -250.0000% | 4,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7431% | 2,885 |
| Assets per employee ($millions) | 4.1850% | 3,651 |
| Cash dividends to net income (ytd only)* | 35.0856% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 3,351 |
| Loan loss allowance to noncurrent loans | 12,825.0000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 4,562 |
| Noncurrent loans to loans | 0.0089% | 5,151 |
| Net loans and leases to total assets | 73.1034% | 2,020 |
| Net loans and leases to deposits | 83.9693% | 2,481 |
| Net loans and leases to core deposits | 89.5106% | 2,572 |
| Total domestic deposits to total assets | 87.0597% | 1,924 |
| Equity capital to assets | 9.3314% | 4,585 |
| Core capital (leverage) ratio | 9.5787% | 4,044 |
| Tier 1 risk-based capital ratio | 12.0770% | 4,585 |
| Total risk-based capital ratio | 13.1712% | 4,583 |
| Memoranda: | ||
| Average total assets | $116,510,000 | 4,018 |
| Average earning assets | $108,070,000 | 4,016 |
| Average equity | $11,071,330 | 4,350 |
| Average total loans | $86,661,330 | 3,640 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5510% | 1,256 |
| Cost of funding earning assets | 0.5787% | 1,520 |
| Net interest margin | 3.9723% | 1,545 |
| Noninterest income to average assets | 1.0764% | 867 |
| Noninterest expense to average assets | 3.4010% | 1,205 |
| Loan and lease loss provision to assets | 0.0526% | 2,758 |
| Net operating income to assets | 1.3289% | 1,168 |
| Return on assets (ROA) | 1.3289% | 1,200 |
| Pretax return on assets | 1.3289% | 2,142 |
| Return on Equity (ROE) | 13.8517% | 834 |
| Retained earnings to average equity (ytd only) | 11.0010% | 610 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1144% | 2,716 |
| Assets per employee ($millions) | 4.0768% | 3,887 |
| Cash dividends to net income (ytd only)* | 20.5805% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 3,267 |
| Loan loss allowance to noncurrent loans | 33,300.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 4,982 |
| Noncurrent loans to loans | 0.0035% | 5,258 |
| Net loans and leases to total assets | 73.4006% | 1,837 |
| Net loans and leases to deposits | 82.7958% | 2,420 |
| Net loans and leases to core deposits | 88.2729% | 2,522 |
| Total domestic deposits to total assets | 88.6526% | 1,344 |
| Equity capital to assets | 9.7198% | 4,047 |
| Core capital (leverage) ratio | 9.6718% | 3,899 |
| Tier 1 risk-based capital ratio | 12.5951% | 4,327 |
| Total risk-based capital ratio | 13.7291% | 4,306 |
| Memoranda: | ||
| Average total assets | $114,082,500 | 4,092 |
| Average earning assets | $106,438,000 | 4,076 |
| Average equity | $10,944,500 | 4,396 |
| Average total loans | $85,118,000 | 3,707 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7388% | 984 |
| Cost of funding earning assets | 0.5752% | 1,515 |
| Net interest margin | 4.1637% | 1,201 |
| Noninterest income to average assets | 1.0406% | 1,046 |
| Noninterest expense to average assets | 3.5428% | 1,098 |
| Loan and lease loss provision to assets | 0.0858% | 2,645 |
| Net operating income to assets | 1.2515% | 1,355 |
| Return on assets (ROA) | 1.2515% | 1,433 |
| Pretax return on assets | 1.2515% | 2,466 |
| Return on Equity (ROE) | 12.9398% | 1,004 |
| Retained earnings to average equity (ytd only) | 5.4931% | 2,020 |
| Net charge-offs to loans | 0.0710% | 2,682 |
| Credit loss provision to net charge-offs | 167.8571% | 1,647 |
| Earnings coverage of net charge-offs (x) | 26.1607% | 1,559 |
| Efficiency ratio | 72.5963% | 2,490 |
| Assets per employee ($millions) | 3.8005% | 4,312 |
| Cash dividends to net income (ytd only)* | 57.5492% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 3,419 |
| Loan loss allowance to noncurrent loans | 3,514.2857% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 5,005 |
| Noncurrent loans to loans | 0.0328% | 5,135 |
| Net loans and leases to total assets | 74.0841% | 1,843 |
| Net loans and leases to deposits | 83.1384% | 2,521 |
| Net loans and leases to core deposits | 88.7081% | 2,611 |
| Total domestic deposits to total assets | 89.1093% | 1,055 |
| Equity capital to assets | 9.4663% | 4,306 |
| Core capital (leverage) ratio | 9.3551% | 4,278 |
| Tier 1 risk-based capital ratio | 11.8777% | 4,808 |
| Total risk-based capital ratio | 12.9820% | 4,811 |
| Memoranda: | ||
| Average total assets | $109,547,200 | 4,173 |
| Average earning assets | $101,016,400 | 4,188 |
| Average equity | $10,595,200 | 4,479 |
| Average total loans | $78,830,600 | 3,827 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8042% | 888 |
| Cost of funding earning assets | 0.5724% | 1,528 |
| Net interest margin | 4.2318% | 1,056 |
| Noninterest income to average assets | 1.1054% | 928 |
| Noninterest expense to average assets | 3.6151% | 976 |
| Loan and lease loss provision to assets | 0.0799% | 2,609 |
| Net operating income to assets | 1.3010% | 1,292 |
| Return on assets (ROA) | 1.3010% | 1,388 |
| Pretax return on assets | 1.3010% | 2,428 |
| Return on Equity (ROE) | 13.3763% | 950 |
| Retained earnings to average equity (ytd only) | 7.7755% | 1,266 |
| Net charge-offs to loans | 0.0449% | 2,747 |
| Credit loss provision to net charge-offs | 250.0000% | 1,196 |
| Earnings coverage of net charge-offs (x) | 43.1872% | 1,180 |
| Efficiency ratio | 72.3603% | 2,523 |
| Assets per employee ($millions) | 3.4633% | 4,820 |
| Cash dividends to net income (ytd only)* | 41.8714% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 3,025 |
| Loan loss allowance to noncurrent loans | 410.4167% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.3411% | 4,042 |
| Noncurrent loans to loans | 0.3015% | 4,170 |
| Net loans and leases to total assets | 70.9448% | 2,354 |
| Net loans and leases to deposits | 80.0248% | 2,959 |
| Net loans and leases to core deposits | 86.7597% | 2,877 |
| Total domestic deposits to total assets | 88.6535% | 1,075 |
| Equity capital to assets | 9.7684% | 4,400 |
| Core capital (leverage) ratio | 9.6177% | 4,035 |
| Tier 1 risk-based capital ratio | 12.6021% | 4,411 |
| Total risk-based capital ratio | 13.7712% | 4,363 |
| Memoranda: | ||
| Average total assets | $108,430,250 | 4,225 |
| Average earning assets | $99,687,250 | 4,245 |
| Average equity | $10,545,750 | 4,531 |
| Average total loans | $77,175,500 | 3,897 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7948% | 899 |
| Cost of funding earning assets | 0.5617% | 1,598 |
| Net interest margin | 4.2331% | 1,052 |
| Noninterest income to average assets | 1.0982% | 930 |
| Noninterest expense to average assets | 3.6030% | 1,007 |
| Loan and lease loss provision to assets | 0.0743% | 2,652 |
| Net operating income to assets | 1.3137% | 1,238 |
| Return on assets (ROA) | 1.3137% | 1,331 |
| Pretax return on assets | 1.3137% | 2,352 |
| Return on Equity (ROE) | 13.5281% | 920 |
| Retained earnings to average equity (ytd only) | 9.0506% | 833 |
| Net charge-offs to loans | 0.0288% | 2,905 |
| Credit loss provision to net charge-offs | 363.6364% | 834 |
| Earnings coverage of net charge-offs (x) | 67.9091% | 798 |
| Efficiency ratio | 72.1891% | 2,617 |
| Assets per employee ($millions) | 3.3646% | 4,981 |
| Cash dividends to net income (ytd only)* | 33.0976% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 3,036 |
| Loan loss allowance to noncurrent loans | 812.5000% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.1756% | 4,798 |
| Noncurrent loans to loans | 0.1547% | 4,820 |
| Net loans and leases to total assets | 68.9882% | 2,634 |
| Net loans and leases to deposits | 77.6504% | 3,187 |
| Net loans and leases to core deposits | 84.6286% | 3,023 |
| Total domestic deposits to total assets | 88.8447% | 988 |
| Equity capital to assets | 9.6225% | 4,645 |
| Core capital (leverage) ratio | 9.7967% | 3,814 |
| Tier 1 risk-based capital ratio | 12.6461% | 4,423 |
| Total risk-based capital ratio | 13.8232% | 4,377 |
| Memoranda: | ||
| Average total assets | $107,631,330 | 4,274 |
| Average earning assets | $98,981,330 | 4,289 |
| Average equity | $10,452,330 | 4,576 |
| Average total loans | $76,363,670 | 3,940 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6132% | 1,230 |
| Cost of funding earning assets | 0.5736% | 1,519 |
| Net interest margin | 4.0396% | 1,507 |
| Noninterest income to average assets | 1.2650% | 684 |
| Noninterest expense to average assets | 3.7647% | 821 |
| Loan and lease loss provision to assets | 0.0566% | 2,813 |
| Net operating income to assets | 1.1932% | 1,582 |
| Return on assets (ROA) | 1.1932% | 1,680 |
| Pretax return on assets | 1.1932% | 2,735 |
| Return on Equity (ROE) | 12.2285% | 1,241 |
| Retained earnings to average equity (ytd only) | 9.7132% | 921 |
| Net charge-offs to loans | 0.0053% | 2,932 |
| Credit loss provision to net charge-offs | 1,500.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 331.0000% | 180 |
| Efficiency ratio | 75.0753% | 2,317 |
| Assets per employee ($millions) | 3.1251% | 5,367 |
| Cash dividends to net income (ytd only)* | 20.5696% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2948% | 2,932 |
| Loan loss allowance to noncurrent loans | 768.0000% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.2353% | 4,615 |
| Noncurrent loans to loans | 0.1686% | 4,817 |
| Net loans and leases to total assets | 68.8759% | 2,517 |
| Net loans and leases to deposits | 77.7465% | 3,029 |
| Net loans and leases to core deposits | 84.5927% | 2,885 |
| Total domestic deposits to total assets | 88.5903% | 1,310 |
| Equity capital to assets | 9.8464% | 4,277 |
| Core capital (leverage) ratio | 9.7995% | 3,780 |
| Tier 1 risk-based capital ratio | 12.0311% | 4,894 |
| Total risk-based capital ratio | 13.1576% | 4,880 |
| Memoranda: | ||
| Average total assets | $105,931,000 | 4,348 |
| Average earning assets | $98,326,500 | 4,336 |
| Average equity | $10,336,500 | 4,612 |
| Average total loans | $75,758,500 | 3,976 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7479% | 1,014 |
| Cost of funding earning assets | 0.5455% | 1,805 |
| Net interest margin | 4.2024% | 1,167 |
| Noninterest income to average assets | 0.9100% | 1,411 |
| Noninterest expense to average assets | 3.4354% | 1,425 |
| Loan and lease loss provision to assets | 0.0596% | 3,115 |
| Net operating income to assets | 1.3309% | 1,203 |
| Return on assets (ROA) | 1.3338% | 1,231 |
| Pretax return on assets | 1.3338% | 2,151 |
| Return on Equity (ROE) | 13.7309% | 906 |
| Retained earnings to average equity (ytd only) | 4.5011% | 2,780 |
| Net charge-offs to loans | 0.0013% | 4,433 |
| Credit loss provision to net charge-offs | 6,200.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 1,447.0000% | 30 |
| Efficiency ratio | 71.1868% | 3,037 |
| Assets per employee ($millions) | 3.3003% | 5,152 |
| Cash dividends to net income (ytd only)* | 67.2190% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 3,343 |
| Loan loss allowance to noncurrent loans | 2,012.7660% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.1629% | 4,957 |
| Noncurrent loans to loans | 0.0607% | 5,276 |
| Net loans and leases to total assets | 72.3691% | 1,988 |
| Net loans and leases to deposits | 84.2007% | 2,337 |
| Net loans and leases to core deposits | 92.0410% | 2,216 |
| Total domestic deposits to total assets | 85.9483% | 2,667 |
| Equity capital to assets | 9.6686% | 4,345 |
| Core capital (leverage) ratio | 9.4688% | 4,224 |
| Tier 1 risk-based capital ratio | 12.2515% | 4,796 |
| Total risk-based capital ratio | 13.4103% | 4,756 |
| Memoranda: | ||
| Average total assets | $104,064,200 | 4,379 |
| Average earning assets | $96,969,200 | 4,371 |
| Average equity | $10,108,600 | 4,648 |
| Average total loans | $74,136,600 | 3,992 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6658% | 1,165 |
| Cost of funding earning assets | 0.5436% | 1,856 |
| Net interest margin | 4.1222% | 1,347 |
| Noninterest income to average assets | 0.9786% | 1,232 |
| Noninterest expense to average assets | 3.3680% | 1,539 |
| Loan and lease loss provision to assets | 0.0604% | 2,973 |
| Net operating income to assets | 1.3927% | 1,125 |
| Return on assets (ROA) | 1.3927% | 1,176 |
| Pretax return on assets | 1.3927% | 2,047 |
| Return on Equity (ROE) | 14.3207% | 836 |
| Retained earnings to average equity (ytd only) | 7.8678% | 1,295 |
| Net charge-offs to loans | 0.0018% | 4,119 |
| Credit loss provision to net charge-offs | 4,700.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 1,132.8045% | 63 |
| Efficiency ratio | 69.8586% | 3,229 |
| Assets per employee ($millions) | 3.8941% | 4,095 |
| Cash dividends to net income (ytd only)* | 45.0601% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2307% | 3,477 |
| Loan loss allowance to noncurrent loans | 1,577.9661% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 5,053 |
| Noncurrent loans to loans | 0.0780% | 5,312 |
| Net loans and leases to total assets | 71.0627% | 2,224 |
| Net loans and leases to deposits | 83.2555% | 2,495 |
| Net loans and leases to core deposits | 90.0312% | 2,466 |
| Total domestic deposits to total assets | 85.3549% | 2,845 |
| Equity capital to assets | 9.8487% | 4,346 |
| Core capital (leverage) ratio | 9.7584% | 3,954 |
| Tier 1 risk-based capital ratio | 12.6732% | 4,629 |
| Total risk-based capital ratio | 13.8366% | 4,597 |
| Memoranda: | ||
| Average total assets | $103,677,750 | 4,434 |
| Average earning assets | $96,644,000 | 4,422 |
| Average equity | $10,083,000 | 4,705 |
| Average total loans | $73,327,000 | 4,051 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6448% | 1,176 |
| Cost of funding earning assets | 0.5489% | 1,829 |
| Net interest margin | 4.0959% | 1,363 |
| Noninterest income to average assets | 0.9671% | 1,251 |
| Noninterest expense to average assets | 3.3433% | 1,591 |
| Loan and lease loss provision to assets | 0.0581% | 2,941 |
| Net operating income to assets | 1.3839% | 1,126 |
| Return on assets (ROA) | 1.3839% | 1,164 |
| Pretax return on assets | 1.3839% | 2,051 |
| Return on Equity (ROE) | 14.2910% | 847 |
| Retained earnings to average equity (ytd only) | 9.4272% | 797 |
| Net charge-offs to loans | -0.0028% | 4,635 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8663% | 3,348 |
| Assets per employee ($millions) | 3.4525% | 4,887 |
| Cash dividends to net income (ytd only)* | 34.0336% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 3,532 |
| Loan loss allowance to noncurrent loans | 688.7218% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 4,875 |
| Noncurrent loans to loans | 0.1808% | 5,053 |
| Net loans and leases to total assets | 70.1552% | 2,290 |
| Net loans and leases to deposits | 80.3494% | 2,740 |
| Net loans and leases to core deposits | 85.5827% | 2,810 |
| Total domestic deposits to total assets | 87.3127% | 2,004 |
| Equity capital to assets | 9.8749% | 4,181 |
| Core capital (leverage) ratio | 9.6479% | 4,076 |
| Tier 1 risk-based capital ratio | 12.8844% | 4,582 |
| Total risk-based capital ratio | 14.0625% | 4,534 |
| Memoranda: | ||
| Average total assets | $103,190,000 | 4,486 |
| Average earning assets | $96,194,330 | 4,462 |
| Average equity | $9,992,330 | 4,754 |
| Average total loans | $72,553,670 | 4,095 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5582% | 1,312 |
| Cost of funding earning assets | 0.5677% | 1,680 |
| Net interest margin | 3.9905% | 1,589 |
| Noninterest income to average assets | 1.0097% | 1,099 |
| Noninterest expense to average assets | 3.5030% | 1,302 |
| Loan and lease loss provision to assets | 0.0583% | 2,769 |
| Net operating income to assets | 1.1612% | 1,661 |
| Return on assets (ROA) | 1.1612% | 1,767 |
| Pretax return on assets | 1.1612% | 2,830 |
| Return on Equity (ROE) | 12.1120% | 1,315 |
| Retained earnings to average equity (ytd only) | 9.4790% | 1,046 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1776% | 2,788 |
| Assets per employee ($millions) | 3.4495% | 4,992 |
| Cash dividends to net income (ytd only)* | 21.7391% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 3,630 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1208% | 5,476 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 68.1297% | 2,417 |
| Net loans and leases to deposits | 76.5848% | 2,982 |
| Net loans and leases to core deposits | 81.4717% | 3,011 |
| Total domestic deposits to total assets | 88.9598% | 1,301 |
| Equity capital to assets | 9.6574% | 4,570 |
| Core capital (leverage) ratio | 9.4391% | 4,368 |
| Tier 1 risk-based capital ratio | 13.0092% | 4,599 |
| Total risk-based capital ratio | 14.2063% | 4,543 |
| Memoranda: | ||
| Average total assets | $102,997,000 | 4,527 |
| Average earning assets | $95,827,500 | 4,510 |
| Average equity | $9,874,500 | 4,811 |
| Average total loans | $72,040,500 | 4,131 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8375% | 1,038 |
| Cost of funding earning assets | 0.5621% | 2,125 |
| Net interest margin | 4.2754% | 1,100 |
| Noninterest income to average assets | 0.8714% | 1,601 |
| Noninterest expense to average assets | 3.4062% | 1,685 |
| Loan and lease loss provision to assets | 0.0707% | 3,074 |
| Net operating income to assets | 1.3774% | 1,125 |
| Return on assets (ROA) | 1.3774% | 1,166 |
| Pretax return on assets | 1.3774% | 1,970 |
| Return on Equity (ROE) | 14.4102% | 863 |
| Retained earnings to average equity (ytd only) | 3.9160% | 3,425 |
| Net charge-offs to loans | 0.0501% | 3,827 |
| Credit loss provision to net charge-offs | 200.0000% | 1,222 |
| Earnings coverage of net charge-offs (x) | 40.9444% | 1,066 |
| Efficiency ratio | 70.1680% | 3,503 |
| Assets per employee ($millions) | 3.4170% | 5,019 |
| Cash dividends to net income (ytd only)* | 72.8245% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 3,896 |
| Loan loss allowance to noncurrent loans | 1,966.6667% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 5,361 |
| Noncurrent loans to loans | 0.0619% | 5,631 |
| Net loans and leases to total assets | 70.0348% | 2,231 |
| Net loans and leases to deposits | 78.5909% | 2,897 |
| Net loans and leases to core deposits | 83.7293% | 2,923 |
| Total domestic deposits to total assets | 89.1132% | 1,169 |
| Equity capital to assets | 9.5162% | 4,703 |
| Core capital (leverage) ratio | 9.2390% | 4,620 |
| Tier 1 risk-based capital ratio | 11.7861% | 5,497 |
| Total risk-based capital ratio | 12.8787% | 5,502 |
| Memoranda: | ||
| Average total assets | $101,785,600 | 4,554 |
| Average earning assets | $94,821,200 | 4,537 |
| Average equity | $9,729,200 | 4,807 |
| Average total loans | $71,848,200 | 4,128 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7692% | 1,160 |
| Cost of funding earning assets | 0.5631% | 2,166 |
| Net interest margin | 4.2061% | 1,275 |
| Noninterest income to average assets | 0.8871% | 1,561 |
| Noninterest expense to average assets | 3.3633% | 1,758 |
| Loan and lease loss provision to assets | 0.0682% | 2,976 |
| Net operating income to assets | 1.3765% | 1,179 |
| Return on assets (ROA) | 1.3765% | 1,222 |
| Pretax return on assets | 1.3765% | 2,094 |
| Return on Equity (ROE) | 14.3851% | 918 |
| Retained earnings to average equity (ytd only) | 7.8028% | 1,447 |
| Net charge-offs to loans | 0.0503% | 3,499 |
| Credit loss provision to net charge-offs | 192.5926% | 1,307 |
| Earnings coverage of net charge-offs (x) | 40.7767% | 1,115 |
| Efficiency ratio | 69.9509% | 3,517 |
| Assets per employee ($millions) | 3.5331% | 4,799 |
| Cash dividends to net income (ytd only)* | 45.7576% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1757% | 4,355 |
| Loan loss allowance to noncurrent loans | 6,242.8571% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.1474% | 5,599 |
| Noncurrent loans to loans | 0.0188% | 5,954 |
| Net loans and leases to total assets | 71.7031% | 1,906 |
| Net loans and leases to deposits | 82.0659% | 2,413 |
| Net loans and leases to core deposits | 87.0204% | 2,542 |
| Total domestic deposits to total assets | 87.3726% | 2,108 |
| Equity capital to assets | 9.7101% | 4,542 |
| Core capital (leverage) ratio | 9.5453% | 4,310 |
| Tier 1 risk-based capital ratio | 11.8083% | 5,608 |
| Total risk-based capital ratio | 12.8684% | 5,644 |
| Memoranda: | ||
| Average total assets | $101,604,750 | 4,614 |
| Average earning assets | $94,716,750 | 4,579 |
| Average equity | $9,722,750 | 4,844 |
| Average total loans | $71,641,000 | 4,171 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7149% | 1,255 |
| Cost of funding earning assets | 0.5708% | 2,158 |
| Net interest margin | 4.1441% | 1,397 |
| Noninterest income to average assets | 0.9159% | 1,441 |
| Noninterest expense to average assets | 3.3004% | 1,920 |
| Loan and lease loss provision to assets | 0.0612% | 3,047 |
| Net operating income to assets | 1.4094% | 1,040 |
| Return on assets (ROA) | 1.4094% | 1,081 |
| Pretax return on assets | 1.4094% | 1,859 |
| Return on Equity (ROE) | 14.8020% | 820 |
| Retained earnings to average equity (ytd only) | 9.1839% | 925 |
| Net charge-offs to loans | 0.0396% | 3,438 |
| Credit loss provision to net charge-offs | 221.4286% | 1,079 |
| Earnings coverage of net charge-offs (x) | 53.2143% | 879 |
| Efficiency ratio | 69.1767% | 3,805 |
| Assets per employee ($millions) | 3.4533% | 4,939 |
| Cash dividends to net income (ytd only)* | 37.9552% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 4,380 |
| Loan loss allowance to noncurrent loans | 2,706.2500% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.1688% | 5,636 |
| Noncurrent loans to loans | 0.0447% | 5,918 |
| Net loans and leases to total assets | 70.6049% | 1,982 |
| Net loans and leases to deposits | 81.9072% | 2,261 |
| Net loans and leases to core deposits | 86.7796% | 2,439 |
| Total domestic deposits to total assets | 86.2011% | 2,934 |
| Equity capital to assets | 9.8167% | 4,327 |
| Core capital (leverage) ratio | 9.5799% | 4,207 |
| Tier 1 risk-based capital ratio | 12.0824% | 5,493 |
| Total risk-based capital ratio | 13.1713% | 5,508 |
| Memoranda: | ||
| Average total assets | $101,319,670 | 4,650 |
| Average earning assets | $94,255,330 | 4,634 |
| Average equity | $9,647,330 | 4,877 |
| Average total loans | $70,741,000 | 4,209 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6485% | 1,381 |
| Cost of funding earning assets | 0.5953% | 2,013 |
| Net interest margin | 4.0532% | 1,587 |
| Noninterest income to average assets | 0.9263% | 1,316 |
| Noninterest expense to average assets | 3.1833% | 2,285 |
| Loan and lease loss provision to assets | 0.0589% | 2,937 |
| Net operating income to assets | 1.4523% | 895 |
| Return on assets (ROA) | 1.4523% | 928 |
| Pretax return on assets | 1.4523% | 1,578 |
| Return on Equity (ROE) | 15.4885% | 707 |
| Retained earnings to average equity (ytd only) | 12.9768% | 486 |
| Net charge-offs to loans | 0.0455% | 2,745 |
| Credit loss provision to net charge-offs | 187.5000% | 1,094 |
| Earnings coverage of net charge-offs (x) | 48.1250% | 771 |
| Efficiency ratio | 67.8094% | 4,210 |
| Assets per employee ($millions) | 3.5451% | 4,839 |
| Cash dividends to net income (ytd only)* | 16.2162% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 4,451 |
| Loan loss allowance to noncurrent loans | 14,266.6667% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.1391% | 5,835 |
| Noncurrent loans to loans | 0.0087% | 6,153 |
| Net loans and leases to total assets | 66.5568% | 2,475 |
| Net loans and leases to deposits | 75.2651% | 2,910 |
| Net loans and leases to core deposits | 80.0274% | 2,960 |
| Total domestic deposits to total assets | 88.4298% | 1,973 |
| Equity capital to assets | 9.4410% | 4,577 |
| Core capital (leverage) ratio | 9.2459% | 4,655 |
| Tier 1 risk-based capital ratio | 10.3861% | 6,368 |
| Total risk-based capital ratio | 11.3244% | 6,426 |
| Memoranda: | ||
| Average total assets | $101,906,500 | 4,688 |
| Average earning assets | $94,741,000 | 4,663 |
| Average equity | $9,555,500 | 4,923 |
| Average total loans | $70,324,500 | 4,252 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8576% | 1,182 |
| Cost of funding earning assets | 0.6864% | 1,910 |
| Net interest margin | 4.1713% | 1,441 |
| Noninterest income to average assets | 0.9314% | 1,580 |
| Noninterest expense to average assets | 3.1544% | 2,567 |
| Loan and lease loss provision to assets | 0.2121% | 1,737 |
| Net operating income to assets | 1.4386% | 941 |
| Return on assets (ROA) | 1.4386% | 979 |
| Pretax return on assets | 1.4386% | 1,657 |
| Return on Equity (ROE) | 15.3367% | 708 |
| Retained earnings to average equity (ytd only) | 2.5982% | 4,405 |
| Net charge-offs to loans | 0.1554% | 3,252 |
| Credit loss provision to net charge-offs | 195.4545% | 1,174 |
| Earnings coverage of net charge-offs (x) | 15.2091% | 1,891 |
| Efficiency ratio | 65.6468% | 4,628 |
| Assets per employee ($millions) | 3.4830% | 4,931 |
| Cash dividends to net income (ytd only)* | 83.0590% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 4,715 |
| Loan loss allowance to noncurrent loans | 2,572.7273% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.1861% | 5,756 |
| Noncurrent loans to loans | 0.0462% | 6,098 |
| Net loans and leases to total assets | 69.8166% | 2,047 |
| Net loans and leases to deposits | 78.8459% | 2,612 |
| Net loans and leases to core deposits | 83.9132% | 2,684 |
| Total domestic deposits to total assets | 88.5482% | 1,886 |
| Equity capital to assets | 9.3113% | 4,680 |
| Core capital (leverage) ratio | 9.0761% | 4,895 |
| Tier 1 risk-based capital ratio | 11.5099% | 5,899 |
| Total risk-based capital ratio | 12.5760% | 5,943 |
| Memoranda: | ||
| Average total assets | $101,351,200 | 4,708 |
| Average earning assets | $94,119,800 | 4,679 |
| Average equity | $9,506,600 | 4,973 |
| Average total loans | $70,767,600 | 4,237 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8415% | 1,259 |
| Cost of funding earning assets | 0.7163% | 1,841 |
| Net interest margin | 4.1252% | 1,552 |
| Noninterest income to average assets | 0.9648% | 1,566 |
| Noninterest expense to average assets | 3.0468% | 2,827 |
| Loan and lease loss provision to assets | 0.1130% | 2,884 |
| Net operating income to assets | 1.6430% | 695 |
| Return on assets (ROA) | 1.6430% | 732 |
| Pretax return on assets | 1.6430% | 1,233 |
| Return on Equity (ROE) | 17.4846% | 493 |
| Retained earnings to average equity (ytd only) | 9.6935% | 856 |
| Net charge-offs to loans | 0.0774% | 3,838 |
| Credit loss provision to net charge-offs | 209.7561% | 1,154 |
| Earnings coverage of net charge-offs (x) | 32.5826% | 1,162 |
| Efficiency ratio | 63.4373% | 4,895 |
| Assets per employee ($millions) | 3.5019% | 4,846 |
| Cash dividends to net income (ytd only)* | 44.5600% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0966% | 5,341 |
| Loan loss allowance to noncurrent loans | 499.3671% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 5,526 |
| Noncurrent loans to loans | 0.2196% | 5,684 |
| Net loans and leases to total assets | 70.0687% | 1,953 |
| Net loans and leases to deposits | 82.9185% | 2,011 |
| Net loans and leases to core deposits | 87.2004% | 2,258 |
| Total domestic deposits to total assets | 84.5031% | 3,976 |
| Equity capital to assets | 9.7079% | 4,292 |
| Core capital (leverage) ratio | 9.6237% | 4,214 |
| Tier 1 risk-based capital ratio | 12.0631% | 5,742 |
| Total risk-based capital ratio | 13.0533% | 5,853 |
| Memoranda: | ||
| Average total assets | $101,437,500 | 4,752 |
| Average earning assets | $94,377,000 | 4,720 |
| Average equity | $9,532,000 | 5,026 |
| Average total loans | $70,617,500 | 4,276 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7743% | 1,384 |
| Cost of funding earning assets | 0.7633% | 1,632 |
| Net interest margin | 4.0110% | 1,818 |
| Noninterest income to average assets | 1.0059% | 1,520 |
| Noninterest expense to average assets | 2.9626% | 3,113 |
| Loan and lease loss provision to assets | 0.1124% | 2,934 |
| Net operating income to assets | 1.6726% | 657 |
| Return on assets (ROA) | 1.6726% | 718 |
| Pretax return on assets | 1.6726% | 1,179 |
| Return on Equity (ROE) | 17.9985% | 456 |
| Retained earnings to average equity (ytd only) | 11.7585% | 531 |
| Net charge-offs to loans | 0.0798% | 3,579 |
| Credit loss provision to net charge-offs | 203.5714% | 1,174 |
| Earnings coverage of net charge-offs (x) | 32.3214% | 1,092 |
| Efficiency ratio | 62.4013% | 5,113 |
| Assets per employee ($millions) | 3.5769% | 4,679 |
| Cash dividends to net income (ytd only)* | 34.6698% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 5,469 |
| Loan loss allowance to noncurrent loans | 2,089.1892% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 6,402 |
| Noncurrent loans to loans | 0.0524% | 6,236 |
| Net loans and leases to total assets | 69.7350% | 1,928 |
| Net loans and leases to deposits | 81.3060% | 2,143 |
| Net loans and leases to core deposits | 86.1969% | 2,314 |
| Total domestic deposits to total assets | 85.7686% | 3,497 |
| Equity capital to assets | 9.7132% | 4,290 |
| Core capital (leverage) ratio | 9.4638% | 4,301 |
| Tier 1 risk-based capital ratio | 12.1689% | 5,701 |
| Total risk-based capital ratio | 13.1619% | 5,796 |
| Memoranda: | ||
| Average total assets | $101,398,000 | 4,778 |
| Average earning assets | $94,589,330 | 4,741 |
| Average equity | $9,423,000 | 5,075 |
| Average total loans | $70,174,000 | 4,304 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7554% | 1,388 |
| Cost of funding earning assets | 0.8283% | 1,379 |
| Net interest margin | 3.9271% | 2,022 |
| Noninterest income to average assets | 1.0664% | 1,310 |
| Noninterest expense to average assets | 2.8033% | 3,687 |
| Loan and lease loss provision to assets | 0.1294% | 2,628 |
| Net operating income to assets | 1.7957% | 484 |
| Return on assets (ROA) | 1.7957% | 536 |
| Pretax return on assets | 1.7957% | 889 |
| Return on Equity (ROE) | 19.7616% | 311 |
| Retained earnings to average equity (ytd only) | 17.3885% | 217 |
| Net charge-offs to loans | 0.1086% | 2,788 |
| Credit loss provision to net charge-offs | 173.6842% | 1,217 |
| Earnings coverage of net charge-offs (x) | 25.8421% | 1,040 |
| Efficiency ratio | 59.2869% | 5,687 |
| Assets per employee ($millions) | 3.8781% | 4,197 |
| Cash dividends to net income (ytd only)* | 12.0087% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0827% | 5,679 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 6,574 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 66.1395% | 2,351 |
| Net loans and leases to deposits | 75.0607% | 2,765 |
| Net loans and leases to core deposits | 78.4997% | 2,992 |
| Total domestic deposits to total assets | 88.1147% | 2,249 |
| Equity capital to assets | 9.0422% | 5,434 |
| Core capital (leverage) ratio | 8.9723% | 4,934 |
| Tier 1 risk-based capital ratio | 11.4125% | 6,234 |
| Total risk-based capital ratio | 12.3523% | 6,334 |
| Memoranda: | ||
| Average total assets | $102,021,000 | 4,808 |
| Average earning assets | $95,134,500 | 4,762 |
| Average equity | $9,270,500 | 5,165 |
| Average total loans | $69,954,000 | 4,346 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1897% | 1,133 |
| Cost of funding earning assets | 1.0789% | 987 |
| Net interest margin | 4.1108% | 1,961 |
| Noninterest income to average assets | 1.1533% | 1,176 |
| Noninterest expense to average assets | 3.3222% | 2,273 |
| Loan and lease loss provision to assets | 0.1396% | 3,862 |
| Net operating income to assets | 1.4036% | 1,097 |
| Return on assets (ROA) | 1.4036% | 1,206 |
| Pretax return on assets | 1.4036% | 2,027 |
| Return on Equity (ROE) | 15.5015% | 733 |
| Retained earnings to average equity (ytd only) | 6.4656% | 1,840 |
| Net charge-offs to loans | 0.1080% | 4,586 |
| Credit loss provision to net charge-offs | 190.1408% | 1,376 |
| Earnings coverage of net charge-offs (x) | 21.0141% | 1,319 |
| Efficiency ratio | 68.2823% | 4,090 |
| Assets per employee ($millions) | 3.5476% | 4,909 |
| Cash dividends to net income (ytd only)* | 58.2903% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0644% | 5,696 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 6,640 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 69.6163% | 1,914 |
| Net loans and leases to deposits | 80.4084% | 2,229 |
| Net loans and leases to core deposits | 84.8876% | 2,443 |
| Total domestic deposits to total assets | 86.5785% | 3,054 |
| Equity capital to assets | 9.1339% | 5,356 |
| Core capital (leverage) ratio | 8.8446% | 5,107 |
| Tier 1 risk-based capital ratio | 10.8832% | 6,394 |
| Total risk-based capital ratio | 11.8031% | 6,501 |
| Memoranda: | ||
| Average total assets | $96,683,000 | 4,920 |
| Average earning assets | $87,307,200 | 4,930 |
| Average equity | $8,754,000 | 5,286 |
| Average total loans | $65,727,200 | 4,519 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2433% | 1,108 |
| Cost of funding earning assets | 1.1460% | 879 |
| Net interest margin | 4.0972% | 2,101 |
| Noninterest income to average assets | 1.0553% | 1,356 |
| Noninterest expense to average assets | 3.1729% | 2,655 |
| Loan and lease loss provision to assets | 0.1069% | 4,230 |
| Net operating income to assets | 1.4441% | 1,138 |
| Return on assets (ROA) | 1.4441% | 1,260 |
| Pretax return on assets | 1.4441% | 2,097 |
| Return on Equity (ROE) | 15.9856% | 741 |
| Retained earnings to average equity (ytd only) | 11.0362% | 679 |
| Net charge-offs to loans | 0.0598% | 4,828 |
| Credit loss provision to net charge-offs | 265.5172% | 1,031 |
| Earnings coverage of net charge-offs (x) | 38.5131% | 908 |
| Efficiency ratio | 67.1664% | 4,229 |
| Assets per employee ($millions) | 3.2471% | 5,539 |
| Cash dividends to net income (ytd only)* | 30.9614% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 5,806 |
| Loan loss allowance to noncurrent loans | 14,560.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 6,786 |
| Noncurrent loans to loans | 0.0074% | 6,660 |
| Net loans and leases to total assets | 68.5271% | 2,212 |
| Net loans and leases to deposits | 78.4144% | 2,606 |
| Net loans and leases to core deposits | 82.8154% | 2,856 |
| Total domestic deposits to total assets | 87.3909% | 2,432 |
| Equity capital to assets | 9.4791% | 5,232 |
| Core capital (leverage) ratio | 9.2191% | 4,725 |
| Tier 1 risk-based capital ratio | 11.5106% | 6,221 |
| Total risk-based capital ratio | 12.4465% | 6,365 |
| Memoranda: | ||
| Average total assets | $96,020,500 | 4,988 |
| Average earning assets | $85,974,500 | 5,017 |
| Average equity | $8,674,250 | 5,359 |
| Average total loans | $64,685,000 | 4,600 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2495% | 1,144 |
| Cost of funding earning assets | 1.2000% | 826 |
| Net interest margin | 4.0495% | 2,297 |
| Noninterest income to average assets | 1.0256% | 1,389 |
| Noninterest expense to average assets | 3.1877% | 2,631 |
| Loan and lease loss provision to assets | 0.1005% | 4,273 |
| Net operating income to assets | 1.3395% | 1,334 |
| Return on assets (ROA) | 1.3395% | 1,490 |
| Pretax return on assets | 1.3395% | 2,428 |
| Return on Equity (ROE) | 15.0807% | 925 |
| Retained earnings to average equity (ytd only) | 10.6743% | 814 |
| Net charge-offs to loans | 0.0722% | 4,423 |
| Credit loss provision to net charge-offs | 208.6957% | 1,354 |
| Earnings coverage of net charge-offs (x) | 29.9130% | 1,071 |
| Efficiency ratio | 68.8829% | 3,965 |
| Assets per employee ($millions) | 3.4494% | 5,095 |
| Cash dividends to net income (ytd only)* | 29.2188% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 5,877 |
| Loan loss allowance to noncurrent loans | 1,958.3333% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 6,737 |
| Noncurrent loans to loans | 0.0550% | 6,543 |
| Net loans and leases to total assets | 67.1005% | 2,447 |
| Net loans and leases to deposits | 75.7242% | 3,024 |
| Net loans and leases to core deposits | 79.4505% | 3,297 |
| Total domestic deposits to total assets | 88.6117% | 1,754 |
| Equity capital to assets | 9.2926% | 5,332 |
| Core capital (leverage) ratio | 9.0336% | 4,862 |
| Tier 1 risk-based capital ratio | 11.4245% | 6,262 |
| Total risk-based capital ratio | 12.3514% | 6,421 |
| Memoranda: | ||
| Average total assets | $95,556,000 | 5,018 |
| Average earning assets | $84,998,000 | 5,076 |
| Average equity | $8,487,670 | 5,423 |
| Average total loans | $63,752,330 | 4,645 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3058% | 1,082 |
| Cost of funding earning assets | 1.2834% | 674 |
| Net interest margin | 4.0225% | 2,410 |
| Noninterest income to average assets | 1.0353% | 1,347 |
| Noninterest expense to average assets | 2.9755% | 3,354 |
| Loan and lease loss provision to assets | 0.1094% | 3,985 |
| Net operating income to assets | 1.4856% | 1,046 |
| Return on assets (ROA) | 1.4856% | 1,168 |
| Pretax return on assets | 1.4856% | 1,906 |
| Return on Equity (ROE) | 17.1276% | 651 |
| Retained earnings to average equity (ytd only) | 15.3324% | 426 |
| Net charge-offs to loans | 0.0763% | 3,733 |
| Credit loss provision to net charge-offs | 216.6667% | 1,270 |
| Earnings coverage of net charge-offs (x) | 31.5833% | 883 |
| Efficiency ratio | 65.1013% | 4,721 |
| Assets per employee ($millions) | 3.4988% | 5,119 |
| Cash dividends to net income (ytd only)* | 10.4816% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1066% | 5,883 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 6,934 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 63.3067% | 2,981 |
| Net loans and leases to deposits | 71.0071% | 3,588 |
| Net loans and leases to core deposits | 74.4026% | 3,848 |
| Total domestic deposits to total assets | 89.1554% | 1,596 |
| Equity capital to assets | 8.5683% | 6,020 |
| Core capital (leverage) ratio | 8.4917% | 5,610 |
| Tier 1 risk-based capital ratio | 10.8822% | 6,586 |
| Total risk-based capital ratio | 11.8143% | 6,702 |
| Memoranda: | ||
| Average total assets | $95,043,000 | 5,064 |
| Average earning assets | $83,531,000 | 5,158 |
| Average equity | $8,244,000 | 5,520 |
| Average total loans | $62,872,500 | 4,704 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7555% | 699 |
| Cost of funding earning assets | 1.4248% | 939 |
| Net interest margin | 4.3307% | 1,602 |
| Noninterest income to average assets | 0.9376% | 1,544 |
| Noninterest expense to average assets | 3.2332% | 2,755 |
| Loan and lease loss provision to assets | 0.1113% | 5,197 |
| Net operating income to assets | 1.3962% | 1,038 |
| Return on assets (ROA) | 1.3962% | 1,121 |
| Pretax return on assets | 1.3962% | 1,800 |
| Return on Equity (ROE) | 15.5725% | 669 |
| Retained earnings to average equity (ytd only) | 6.4321% | 1,787 |
| Net charge-offs to loans | 0.1124% | 5,250 |
| Credit loss provision to net charge-offs | 145.5882% | 1,971 |
| Earnings coverage of net charge-offs (x) | 19.7206% | 1,159 |
| Efficiency ratio | 68.2001% | 4,312 |
| Assets per employee ($millions) | 3.2900% | 5,528 |
| Cash dividends to net income (ytd only)* | 58.6957% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 5,889 |
| Loan loss allowance to noncurrent loans | 2,615.3846% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 6,905 |
| Noncurrent loans to loans | 0.0412% | 6,724 |
| Net loans and leases to total assets | 67.6856% | 2,459 |
| Net loans and leases to deposits | 76.2221% | 3,148 |
| Net loans and leases to core deposits | 79.3515% | 3,528 |
| Total domestic deposits to total assets | 88.8005% | 1,660 |
| Equity capital to assets | 8.7864% | 5,810 |
| Core capital (leverage) ratio | 8.5668% | 5,451 |
| Tier 1 risk-based capital ratio | 10.5300% | 6,672 |
| Total risk-based capital ratio | 11.4497% | 6,782 |
| Memoranda: | ||
| Average total assets | $88,953,000 | 5,209 |
| Average earning assets | $78,116,800 | 5,290 |
| Average equity | $7,975,600 | 5,576 |
| Average total loans | $60,481,400 | 4,848 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7704% | 739 |
| Cost of funding earning assets | 1.4516% | 1,023 |
| Net interest margin | 4.3187% | 1,646 |
| Noninterest income to average assets | 0.9573% | 1,461 |
| Noninterest expense to average assets | 3.0428% | 3,385 |
| Loan and lease loss provision to assets | 0.1059% | 5,119 |
| Net operating income to assets | 1.5970% | 783 |
| Return on assets (ROA) | 1.5970% | 854 |
| Pretax return on assets | 1.5970% | 1,395 |
| Return on Equity (ROE) | 17.7191% | 486 |
| Retained earnings to average equity (ytd only) | 12.3330% | 461 |
| Net charge-offs to loans | 0.0824% | 5,149 |
| Credit loss provision to net charge-offs | 189.1892% | 1,540 |
| Earnings coverage of net charge-offs (x) | 30.4338% | 928 |
| Efficiency ratio | 64.1173% | 5,043 |
| Assets per employee ($millions) | 3.1866% | 5,714 |
| Cash dividends to net income (ytd only)* | 30.3979% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 5,812 |
| Loan loss allowance to noncurrent loans | 22,733.3333% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 7,080 |
| Noncurrent loans to loans | 0.0049% | 6,959 |
| Net loans and leases to total assets | 67.4590% | 2,580 |
| Net loans and leases to deposits | 76.5185% | 3,245 |
| Net loans and leases to core deposits | 79.5094% | 3,707 |
| Total domestic deposits to total assets | 88.1604% | 1,946 |
| Equity capital to assets | 9.3123% | 5,362 |
| Core capital (leverage) ratio | 9.1524% | 4,706 |
| Tier 1 risk-based capital ratio | 11.2029% | 6,427 |
| Total risk-based capital ratio | 12.1594% | 6,575 |
| Memoranda: | ||
| Average total assets | $88,161,250 | 5,263 |
| Average earning assets | $77,335,750 | 5,345 |
| Average equity | $7,946,000 | 5,614 |
| Average total loans | $59,843,750 | 4,908 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7684% | 768 |
| Cost of funding earning assets | 1.5131% | 961 |
| Net interest margin | 4.2554% | 1,821 |
| Noninterest income to average assets | 0.8974% | 1,656 |
| Noninterest expense to average assets | 3.0772% | 3,343 |
| Loan and lease loss provision to assets | 0.0569% | 5,608 |
| Net operating income to assets | 1.4851% | 920 |
| Return on assets (ROA) | 1.4851% | 977 |
| Pretax return on assets | 1.4851% | 1,575 |
| Return on Equity (ROE) | 16.6645% | 590 |
| Retained earnings to average equity (ytd only) | 12.2684% | 489 |
| Net charge-offs to loans | 0.0235% | 5,505 |
| Credit loss provision to net charge-offs | 357.1429% | 857 |
| Earnings coverage of net charge-offs (x) | 96.7143% | 373 |
| Efficiency ratio | 66.6174% | 4,756 |
| Assets per employee ($millions) | 3.1580% | 5,736 |
| Cash dividends to net income (ytd only)* | 26.3804% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1072% | 5,927 |
| Loan loss allowance to noncurrent loans | 401.8072% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.1877% | 6,630 |
| Noncurrent loans to loans | 0.2756% | 6,372 |
| Net loans and leases to total assets | 67.3712% | 2,749 |
| Net loans and leases to deposits | 76.2652% | 3,417 |
| Net loans and leases to core deposits | 79.1542% | 3,907 |
| Total domestic deposits to total assets | 88.3381% | 1,944 |
| Equity capital to assets | 9.1049% | 5,429 |
| Core capital (leverage) ratio | 8.8335% | 4,997 |
| Tier 1 risk-based capital ratio | 10.9045% | 6,600 |
| Total risk-based capital ratio | 11.8450% | 6,744 |
| Memoranda: | ||
| Average total assets | $87,806,330 | 5,318 |
| Average earning assets | $76,797,330 | 5,405 |
| Average equity | $7,825,000 | 5,664 |
| Average total loans | $59,500,670 | 4,978 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7768% | 772 |
| Cost of funding earning assets | 1.6198% | 758 |
| Net interest margin | 4.1570% | 2,053 |
| Noninterest income to average assets | 0.9235% | 1,573 |
| Noninterest expense to average assets | 2.9898% | 3,690 |
| Loan and lease loss provision to assets | 0.0777% | 5,030 |
| Net operating income to assets | 1.4812% | 906 |
| Return on assets (ROA) | 1.4812% | 951 |
| Pretax return on assets | 1.4812% | 1,502 |
| Return on Equity (ROE) | 16.8050% | 595 |
| Retained earnings to average equity (ytd only) | 15.1452% | 382 |
| Net charge-offs to loans | 0.0541% | 4,397 |
| Credit loss provision to net charge-offs | 212.5000% | 1,411 |
| Earnings coverage of net charge-offs (x) | 42.6250% | 654 |
| Efficiency ratio | 65.7286% | 5,079 |
| Assets per employee ($millions) | 3.1735% | 5,783 |
| Cash dividends to net income (ytd only)* | 9.8765% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 5,947 |
| Loan loss allowance to noncurrent loans | 723.0769% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.1699% | 6,737 |
| Noncurrent loans to loans | 0.1559% | 6,663 |
| Net loans and leases to total assets | 64.9658% | 3,244 |
| Net loans and leases to deposits | 73.3147% | 3,871 |
| Net loans and leases to core deposits | 76.9225% | 4,169 |
| Total domestic deposits to total assets | 88.6123% | 2,013 |
| Equity capital to assets | 8.8421% | 5,424 |
| Core capital (leverage) ratio | 8.5735% | 5,308 |
| Tier 1 risk-based capital ratio | 10.9019% | 6,569 |
| Total risk-based capital ratio | 11.8527% | 6,728 |
| Memoranda: | ||
| Average total assets | $87,497,000 | 5,369 |
| Average earning assets | $76,305,500 | 5,464 |
| Average equity | $7,712,000 | 5,704 |
| Average total loans | $59,131,000 | 5,047 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1950% | 569 |
| Cost of funding earning assets | 1.8640% | 959 |
| Net interest margin | 4.3310% | 1,710 |
| Noninterest income to average assets | 1.0638% | 1,323 |
| Noninterest expense to average assets | 3.3170% | 2,678 |
| Loan and lease loss provision to assets | 0.1339% | 5,836 |
| Net operating income to assets | 1.4679% | 824 |
| Return on assets (ROA) | 1.4679% | 882 |
| Pretax return on assets | 1.4679% | 1,460 |
| Return on Equity (ROE) | 16.1286% | 571 |
| Retained earnings to average equity (ytd only) | 3.9928% | 3,073 |
| Net charge-offs to loans | 0.1075% | 5,799 |
| Credit loss provision to net charge-offs | 177.7778% | 1,868 |
| Earnings coverage of net charge-offs (x) | 21.2698% | 977 |
| Efficiency ratio | 67.4362% | 4,680 |
| Assets per employee ($millions) | 3.0763% | 5,929 |
| Cash dividends to net income (ytd only)* | 75.2443% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0839% | 6,008 |
| Loan loss allowance to noncurrent loans | 579.4643% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.1300% | 6,913 |
| Noncurrent loans to loans | 0.1871% | 6,695 |
| Net loans and leases to total assets | 68.7607% | 2,798 |
| Net loans and leases to deposits | 77.6239% | 3,571 |
| Net loans and leases to core deposits | 81.5608% | 3,965 |
| Total domestic deposits to total assets | 88.5819% | 1,904 |
| Equity capital to assets | 8.7850% | 5,457 |
| Core capital (leverage) ratio | 8.7250% | 4,974 |
| Tier 1 risk-based capital ratio | 10.2712% | 6,834 |
| Total risk-based capital ratio | 11.1903% | 6,996 |
| Memoranda: | ||
| Average total assets | $83,658,800 | 5,475 |
| Average earning assets | $74,463,000 | 5,526 |
| Average equity | $7,613,800 | 5,835 |
| Average total loans | $58,619,400 | 5,127 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2341% | 579 |
| Cost of funding earning assets | 1.9186% | 969 |
| Net interest margin | 4.3155% | 1,792 |
| Noninterest income to average assets | 1.0276% | 1,386 |
| Noninterest expense to average assets | 3.1037% | 3,317 |
| Loan and lease loss provision to assets | 0.1413% | 5,619 |
| Net operating income to assets | 1.6217% | 718 |
| Return on assets (ROA) | 1.6217% | 786 |
| Pretax return on assets | 1.6217% | 1,290 |
| Return on Equity (ROE) | 17.6596% | 508 |
| Retained earnings to average equity (ytd only) | 12.1519% | 445 |
| Net charge-offs to loans | 0.1326% | 5,237 |
| Credit loss provision to net charge-offs | 151.7241% | 2,560 |
| Earnings coverage of net charge-offs (x) | 18.9313% | 1,229 |
| Efficiency ratio | 63.7743% | 5,287 |
| Assets per employee ($millions) | 3.0180% | 6,117 |
| Cash dividends to net income (ytd only)* | 31.1882% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0467% | 6,182 |
| Loan loss allowance to noncurrent loans | 1,800.0000% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 7,247 |
| Noncurrent loans to loans | 0.0582% | 7,096 |
| Net loans and leases to total assets | 70.4787% | 2,614 |
| Net loans and leases to deposits | 80.2495% | 3,403 |
| Net loans and leases to core deposits | 86.0851% | 3,640 |
| Total domestic deposits to total assets | 87.8244% | 2,075 |
| Equity capital to assets | 9.4562% | 4,914 |
| Core capital (leverage) ratio | 9.0500% | 4,603 |
| Tier 1 risk-based capital ratio | 10.9150% | 6,450 |
| Total risk-based capital ratio | 11.8146% | 6,714 |
| Memoranda: | ||
| Average total assets | $83,039,750 | 5,563 |
| Average earning assets | $73,871,750 | 5,609 |
| Average equity | $7,625,500 | 5,908 |
| Average total loans | $58,305,250 | 5,213 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2356% | 585 |
| Cost of funding earning assets | 1.9483% | 1,051 |
| Net interest margin | 4.2873% | 1,833 |
| Noninterest income to average assets | 0.9085% | 1,663 |
| Noninterest expense to average assets | 3.1035% | 3,302 |
| Loan and lease loss provision to assets | 0.1284% | 5,595 |
| Net operating income to assets | 1.4779% | 949 |
| Return on assets (ROA) | 1.4779% | 1,010 |
| Pretax return on assets | 1.4779% | 1,621 |
| Return on Equity (ROE) | 16.2587% | 671 |
| Retained earnings to average equity (ytd only) | 11.3278% | 587 |
| Net charge-offs to loans | 0.1352% | 4,862 |
| Credit loss provision to net charge-offs | 135.8974% | 2,950 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,371 |
| Efficiency ratio | 65.8951% | 5,000 |
| Assets per employee ($millions) | 2.9910% | 6,159 |
| Cash dividends to net income (ytd only)* | 30.3279% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0594% | 6,143 |
| Loan loss allowance to noncurrent loans | 3,411.1111% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 7,224 |
| Noncurrent loans to loans | 0.0311% | 7,245 |
| Net loans and leases to total assets | 68.4709% | 3,256 |
| Net loans and leases to deposits | 77.7522% | 4,032 |
| Net loans and leases to core deposits | 83.8140% | 4,156 |
| Total domestic deposits to total assets | 88.0630% | 1,966 |
| Equity capital to assets | 9.1907% | 5,159 |
| Core capital (leverage) ratio | 8.9488% | 4,686 |
| Tier 1 risk-based capital ratio | 10.9017% | 6,341 |
| Total risk-based capital ratio | 11.8094% | 6,636 |
| Memoranda: | ||
| Average total assets | $82,551,330 | 5,606 |
| Average earning assets | $73,193,000 | 5,667 |
| Average equity | $7,503,670 | 5,968 |
| Average total loans | $57,677,670 | 5,280 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2110% | 631 |
| Cost of funding earning assets | 1.9827% | 1,151 |
| Net interest margin | 4.2283% | 1,938 |
| Noninterest income to average assets | 0.9664% | 1,401 |
| Noninterest expense to average assets | 2.9383% | 3,920 |
| Loan and lease loss provision to assets | 0.1513% | 5,029 |
| Net operating income to assets | 1.6448% | 691 |
| Return on assets (ROA) | 1.6448% | 738 |
| Pretax return on assets | 1.6448% | 1,173 |
| Return on Equity (ROE) | 18.1990% | 498 |
| Retained earnings to average equity (ytd only) | 16.2009% | 326 |
| Net charge-offs to loans | 0.1808% | 3,838 |
| Credit loss provision to net charge-offs | 119.2308% | 2,921 |
| Earnings coverage of net charge-offs (x) | 14.1538% | 1,450 |
| Efficiency ratio | 62.0619% | 5,821 |
| Assets per employee ($millions) | 2.9924% | 6,227 |
| Cash dividends to net income (ytd only)* | 10.9792% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0629% | 6,170 |
| Loan loss allowance to noncurrent loans | 392.8571% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.1838% | 7,015 |
| Noncurrent loans to loans | 0.2705% | 6,782 |
| Net loans and leases to total assets | 67.2137% | 3,574 |
| Net loans and leases to deposits | 76.1710% | 4,380 |
| Net loans and leases to core deposits | 82.4312% | 4,427 |
| Total domestic deposits to total assets | 88.2406% | 1,928 |
| Equity capital to assets | 9.0192% | 5,250 |
| Core capital (leverage) ratio | 8.8326% | 4,816 |
| Tier 1 risk-based capital ratio | 10.8565% | 6,287 |
| Total risk-based capital ratio | 11.7626% | 6,610 |
| Memoranda: | ||
| Average total assets | $81,953,000 | 5,709 |
| Average earning assets | $73,031,500 | 5,744 |
| Average equity | $7,407,000 | 6,052 |
| Average total loans | $57,538,000 | 5,361 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4411% | 751 |
| Cost of funding earning assets | 2.1896% | 2,079 |
| Net interest margin | 4.2515% | 1,888 |
| Noninterest income to average assets | 1.0573% | 1,382 |
| Noninterest expense to average assets | 3.5026% | 2,367 |
| Loan and lease loss provision to assets | 0.1031% | 6,605 |
| Net operating income to assets | 1.3037% | 1,027 |
| Return on assets (ROA) | 1.3037% | 1,071 |
| Pretax return on assets | 1.3037% | 1,680 |
| Return on Equity (ROE) | 13.9724% | 788 |
| Retained earnings to average equity (ytd only) | 0.8219% | 4,443 |
| Net charge-offs to loans | 0.0673% | 6,440 |
| Credit loss provision to net charge-offs | 215.7895% | 1,770 |
| Earnings coverage of net charge-offs (x) | 29.4474% | 781 |
| Efficiency ratio | 71.3444% | 4,380 |
| Assets per employee ($millions) | 2.8614% | 6,539 |
| Cash dividends to net income (ytd only)* | 94.1176% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 6,205 |
| Loan loss allowance to noncurrent loans | 1,304.3478% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 7,355 |
| Noncurrent loans to loans | 0.0791% | 7,219 |
| Net loans and leases to total assets | 71.8365% | 2,796 |
| Net loans and leases to deposits | 81.5571% | 3,685 |
| Net loans and leases to core deposits | 104.7293% | 3,484 |
| Total domestic deposits to total assets | 88.0813% | 1,933 |
| Equity capital to assets | 9.0579% | 5,051 |
| Core capital (leverage) ratio | 8.6905% | 4,935 |
| Tier 1 risk-based capital ratio | 10.3546% | 6,536 |
| Total risk-based capital ratio | 11.2487% | 6,841 |
| Memoranda: | ||
| Average total assets | $79,541,800 | 5,742 |
| Average earning assets | $72,068,600 | 5,749 |
| Average equity | $7,421,800 | 6,118 |
| Average total loans | $56,456,000 | 5,401 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4525% | 835 |
| Cost of funding earning assets | 2.2536% | 2,174 |
| Net interest margin | 4.1989% | 2,068 |
| Noninterest income to average assets | 1.0109% | 1,563 |
| Noninterest expense to average assets | 3.3048% | 2,903 |
| Loan and lease loss provision to assets | 0.0974% | 6,391 |
| Net operating income to assets | 1.4039% | 1,020 |
| Return on assets (ROA) | 1.4039% | 1,088 |
| Pretax return on assets | 1.4039% | 1,684 |
| Return on Equity (ROE) | 14.9355% | 780 |
| Retained earnings to average equity (ytd only) | 8.4861% | 980 |
| Net charge-offs to loans | 0.0381% | 6,375 |
| Credit loss provision to net charge-offs | 362.5000% | 1,126 |
| Earnings coverage of net charge-offs (x) | 55.8823% | 586 |
| Efficiency ratio | 68.7631% | 4,831 |
| Assets per employee ($millions) | 3.0788% | 5,967 |
| Cash dividends to net income (ytd only)* | 43.1817% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0623% | 5,949 |
| Loan loss allowance to noncurrent loans | 1,128.3019% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 7,396 |
| Noncurrent loans to loans | 0.0942% | 7,248 |
| Net loans and leases to total assets | 69.5740% | 3,604 |
| Net loans and leases to deposits | 79.5140% | 4,477 |
| Net loans and leases to core deposits | 102.9065% | 4,063 |
| Total domestic deposits to total assets | 87.4991% | 1,889 |
| Equity capital to assets | 9.5815% | 4,641 |
| Core capital (leverage) ratio | 9.2394% | 4,278 |
| Tier 1 risk-based capital ratio | 11.4731% | 5,457 |
| Total risk-based capital ratio | 12.4049% | 5,746 |
| Memoranda: | ||
| Average total assets | $79,397,750 | 5,789 |
| Average earning assets | $71,763,750 | 5,792 |
| Average equity | $7,463,000 | 6,172 |
| Average total loans | $56,031,500 | 5,462 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4136% | 977 |
| Cost of funding earning assets | 2.3035% | 2,347 |
| Net interest margin | 4.1101% | 2,285 |
| Noninterest income to average assets | 1.0558% | 1,420 |
| Noninterest expense to average assets | 3.2710% | 3,078 |
| Loan and lease loss provision to assets | 0.0783% | 6,404 |
| Net operating income to assets | 1.4246% | 968 |
| Return on assets (ROA) | 1.4246% | 1,034 |
| Pretax return on assets | 1.4246% | 1,655 |
| Return on Equity (ROE) | 15.2556% | 787 |
| Retained earnings to average equity (ytd only) | 8.5475% | 1,055 |
| Net charge-offs to loans | 0.0357% | 5,962 |
| Credit loss provision to net charge-offs | 310.0000% | 1,501 |
| Earnings coverage of net charge-offs (x) | 59.5000% | 600 |
| Efficiency ratio | 68.5185% | 5,066 |
| Assets per employee ($millions) | 2.9207% | 6,331 |
| Cash dividends to net income (ytd only)* | 43.9716% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 5,982 |
| Loan loss allowance to noncurrent loans | 124.3534% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.5674% | 5,998 |
| Noncurrent loans to loans | 0.8332% | 5,556 |
| Net loans and leases to total assets | 67.3914% | 4,276 |
| Net loans and leases to deposits | 76.6093% | 5,082 |
| Net loans and leases to core deposits | 100.6998% | 4,439 |
| Total domestic deposits to total assets | 87.9676% | 1,790 |
| Equity capital to assets | 9.1637% | 5,073 |
| Core capital (leverage) ratio | 9.0572% | 4,540 |
| Tier 1 risk-based capital ratio | 11.4944% | 5,385 |
| Total risk-based capital ratio | 12.4150% | 5,630 |
| Memoranda: | ||
| Average total assets | $79,180,330 | 5,827 |
| Average earning assets | $71,629,000 | 5,837 |
| Average equity | $7,394,000 | 6,223 |
| Average total loans | $55,944,670 | 5,508 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4237% | 1,012 |
| Cost of funding earning assets | 2.3810% | 2,376 |
| Net interest margin | 4.0427% | 2,479 |
| Noninterest income to average assets | 1.0632% | 1,315 |
| Noninterest expense to average assets | 3.2100% | 2,944 |
| Loan and lease loss provision to assets | 0.0668% | 6,113 |
| Net operating income to assets | 1.5100% | 921 |
| Return on assets (ROA) | 1.5100% | 989 |
| Pretax return on assets | 1.5100% | 1,638 |
| Return on Equity (ROE) | 16.0131% | 823 |
| Retained earnings to average equity (ytd only) | 9.3137% | 1,397 |
| Net charge-offs to loans | -0.0143% | 7,361 |
| Credit loss provision to net charge-offs | -650.0000% | 6,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0601% | 5,133 |
| Assets per employee ($millions) | 2.7902% | 6,670 |
| Cash dividends to net income (ytd only)* | 41.8367% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 6,067 |
| Loan loss allowance to noncurrent loans | 815.7143% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0896% | 7,324 |
| Noncurrent loans to loans | 0.1246% | 7,163 |
| Net loans and leases to total assets | 71.1824% | 3,429 |
| Net loans and leases to deposits | 79.0269% | 4,770 |
| Net loans and leases to core deposits | 102.4332% | 4,297 |
| Total domestic deposits to total assets | 90.0737% | 767 |
| Equity capital to assets | 9.4911% | 4,679 |
| Core capital (leverage) ratio | 8.9447% | 4,803 |
| Tier 1 risk-based capital ratio | 11.1813% | 5,720 |
| Total risk-based capital ratio | 12.0858% | 5,965 |
| Memoranda: | ||
| Average total assets | $77,881,000 | 5,890 |
| Average earning assets | $71,734,500 | 5,855 |
| Average equity | $7,344,000 | 6,279 |
| Average total loans | $56,072,500 | 5,539 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9250% | 1,328 |
| Cost of funding earning assets | 2.9376% | 2,111 |
| Net interest margin | 3.9874% | 3,176 |
| Noninterest income to average assets | 1.0207% | 1,524 |
| Noninterest expense to average assets | 3.3586% | 2,801 |
| Loan and lease loss provision to assets | 0.3432% | 3,648 |
| Net operating income to assets | 0.9740% | 2,670 |
| Return on assets (ROA) | 0.9740% | 2,550 |
| Pretax return on assets | 0.9740% | 3,474 |
| Return on Equity (ROE) | 10.5862% | 2,055 |
| Retained earnings to average equity (ytd only) | 3.7164% | 2,822 |
| Net charge-offs to loans | 0.4736% | 2,464 |
| Credit loss provision to net charge-offs | 101.9231% | 5,226 |
| Earnings coverage of net charge-offs (x) | 3.9115% | 4,186 |
| Efficiency ratio | 71.1080% | 4,111 |
| Assets per employee ($millions) | 2.7727% | 6,626 |
| Cash dividends to net income (ytd only)* | 64.8936% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9935% | 6,117 |
| Loan loss allowance to noncurrent loans | 741.3333% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.0966% | 7,190 |
| Noncurrent loans to loans | 0.1340% | 7,016 |
| Net loans and leases to total assets | 71.3664% | 3,717 |
| Net loans and leases to deposits | 79.1356% | 5,179 |
| Net loans and leases to core deposits | 104.6878% | 4,336 |
| Total domestic deposits to total assets | 90.1824% | 581 |
| Equity capital to assets | 9.3681% | 4,860 |
| Core capital (leverage) ratio | 8.9548% | 4,799 |
| Tier 1 risk-based capital ratio | 10.8302% | 5,878 |
| Total risk-based capital ratio | 11.7044% | 6,135 |
| Memoranda: | ||
| Average total assets | $77,204,800 | 5,796 |
| Average earning assets | $70,772,600 | 5,789 |
| Average equity | $7,103,600 | 6,421 |
| Average total loans | $54,900,600 | 5,491 |