Home > Security State Bank > Performance and Condition Ratios
Security 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 | 4.8020% | 2,468 |
| Cost of funding earning assets | 1.5395% | 1,845 |
| Net interest margin | 3.2625% | 2,727 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.2095% | 3,092 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.9614% | 2,332 |
| Return on assets (ROA) | 0.9465% | 2,372 |
| Pretax return on assets | 0.9722% | 2,745 |
| Return on Equity (ROE) | 13.8600% | 1,511 |
| Retained earnings to average equity (ytd only) | 5.4309% | 2,426 |
| Net charge-offs to loans | 0.0667% | 1,181 |
| Credit loss provision to net charge-offs | 45.9459% | 2,211 |
| Earnings coverage of net charge-offs (x) | 26.4324% | 1,709 |
| Efficiency ratio | 68.7340% | 2,029 |
| Assets per employee ($millions) | 7.1948% | 1,937 |
| Cash dividends to net income (ytd only)* | 60.8035% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 2,744 |
| Loan loss allowance to noncurrent loans | 1,480.0000% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 3,297 |
| Noncurrent loans to loans | 0.0755% | 3,183 |
| Net loans and leases to total assets | 58.4800% | 2,992 |
| Net loans and leases to deposits | 63.4383% | 3,319 |
| Net loans and leases to core deposits | 67.2915% | 3,442 |
| Total domestic deposits to total assets | 92.1800% | 279 |
| Equity capital to assets | 7.4568% | 3,744 |
| Core capital (leverage) ratio | 9.8019% | 2,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $97,309,200 | 3,853 |
| Average earning assets | $92,107,200 | 3,819 |
| Average equity | $6,647,200 | 4,089 |
| Average total loans | $55,443,400 | 3,768 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4300% | 2,810 |
| Cost of funding earning assets | 1.3935% | 1,463 |
| Net interest margin | 3.0365% | 3,338 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 2.1333% | 3,259 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.8257% | 2,999 |
| Return on assets (ROA) | 0.7956% | 3,102 |
| Pretax return on assets | 0.8290% | 3,331 |
| Return on Equity (ROE) | 11.7200% | 2,244 |
| Retained earnings to average equity (ytd only) | 6.1700% | 2,557 |
| Net charge-offs to loans | 0.0664% | 891 |
| Credit loss provision to net charge-offs | 94.4444% | 1,485 |
| Earnings coverage of net charge-offs (x) | 23.7778% | 1,666 |
| Efficiency ratio | 70.4216% | 1,730 |
| Assets per employee ($millions) | 6.9012% | 2,003 |
| Cash dividends to net income (ytd only)* | 47.3684% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 2,131 |
| Loan loss allowance to noncurrent loans | 1,489.1304% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 3,302 |
| Noncurrent loans to loans | 0.0846% | 3,086 |
| Net loans and leases to total assets | 55.5900% | 3,146 |
| Net loans and leases to deposits | 62.6002% | 3,269 |
| Net loans and leases to core deposits | 66.2081% | 3,339 |
| Total domestic deposits to total assets | 88.8000% | 1,320 |
| Equity capital to assets | 6.8094% | 3,882 |
| Core capital (leverage) ratio | 10.1944% | 2,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $95,531,333 | 3,887 |
| Average earning assets | $90,564,667 | 3,857 |
| Average equity | $6,483,000 | 4,139 |
| Average total loans | $54,247,333 | 3,801 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2840% | 2,838 |
| Cost of funding earning assets | 1.2196% | 1,404 |
| Net interest margin | 3.0644% | 3,429 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.1434% | 3,270 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9338% | 2,740 |
| Return on assets (ROA) | 0.9138% | 2,766 |
| Pretax return on assets | 0.9601% | 3,100 |
| Return on Equity (ROE) | 13.4900% | 1,882 |
| Retained earnings to average equity (ytd only) | 8.2051% | 2,161 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.5984% | 1,908 |
| Assets per employee ($millions) | 6.2385% | 2,546 |
| Cash dividends to net income (ytd only)* | 39.1705% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2686% | 2,186 |
| Loan loss allowance to noncurrent loans | 1,491.3043% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 3,296 |
| Noncurrent loans to loans | 0.0851% | 3,132 |
| Net loans and leases to total assets | 57.0500% | 2,952 |
| Net loans and leases to deposits | 63.2799% | 3,146 |
| Net loans and leases to core deposits | 66.1463% | 3,214 |
| Total domestic deposits to total assets | 90.1600% | 1,101 |
| Equity capital to assets | 7.2048% | 3,726 |
| Core capital (leverage) ratio | 9.8156% | 2,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $94,988,500 | 3,950 |
| Average earning assets | $90,196,000 | 3,914 |
| Average equity | $6,435,000 | 4,197 |
| Average total loans | $54,175,500 | 3,847 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4759% | 3,142 |
| Cost of funding earning assets | 0.7406% | 494 |
| Net interest margin | 2.7353% | 4,002 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 2.0908% | 3,324 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5917% | 3,903 |
| Return on assets (ROA) | 0.5917% | 3,865 |
| Pretax return on assets | 0.6342% | 3,969 |
| Return on Equity (ROE) | 8.6200% | 3,226 |
| Retained earnings to average equity (ytd only) | 2.6223% | 3,816 |
| Net charge-offs to loans | 0.0155% | 1,810 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 78.3750% | 1,096 |
| Efficiency ratio | 76.7261% | 942 |
| Assets per employee ($millions) | 6.4267% | 2,397 |
| Cash dividends to net income (ytd only)* | 69.5726% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 2,687 |
| Loan loss allowance to noncurrent loans | 1,319.1489% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 3,317 |
| Noncurrent loans to loans | 0.0866% | 3,136 |
| Net loans and leases to total assets | 55.6600% | 3,066 |
| Net loans and leases to deposits | 59.5719% | 3,356 |
| Net loans and leases to core deposits | 61.8076% | 3,405 |
| Total domestic deposits to total assets | 93.4300% | 322 |
| Equity capital to assets | 6.3568% | 3,958 |
| Core capital (leverage) ratio | 9.1406% | 3,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $98,859,800 | 3,938 |
| Average earning assets | $95,199,400 | 3,884 |
| Average equity | $6,788,000 | 4,243 |
| Average total loans | $51,682,400 | 3,868 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2935% | 3,196 |
| Cost of funding earning assets | 0.6601% | 315 |
| Net interest margin | 2.6334% | 4,050 |
| Noninterest income to average assets | 0.0700% | 4,554 |
| Noninterest expense to average assets | 1.9984% | 3,491 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5763% | 3,896 |
| Return on assets (ROA) | 0.5763% | 3,849 |
| Pretax return on assets | 0.6166% | 3,957 |
| Return on Equity (ROE) | 8.2500% | 3,258 |
| Retained earnings to average equity (ytd only) | 3.5092% | 3,614 |
| Net charge-offs to loans | 0.0209% | 1,414 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 57.5000% | 1,196 |
| Efficiency ratio | 76.4223% | 1,039 |
| Assets per employee ($millions) | 6.6492% | 2,198 |
| Cash dividends to net income (ytd only)* | 57.4419% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 2,379 |
| Loan loss allowance to noncurrent loans | 1,319.1489% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 3,431 |
| Noncurrent loans to loans | 0.0930% | 3,214 |
| Net loans and leases to total assets | 50.0200% | 3,457 |
| Net loans and leases to deposits | 52.9881% | 3,666 |
| Net loans and leases to core deposits | 54.9514% | 3,689 |
| Total domestic deposits to total assets | 94.4000% | 303 |
| Equity capital to assets | 5.4252% | 4,155 |
| Core capital (leverage) ratio | 9.4044% | 3,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $99,474,750 | 3,960 |
| Average earning assets | $96,145,250 | 3,900 |
| Average equity | $6,953,000 | 4,262 |
| Average total loans | $51,033,750 | 3,897 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1809% | 3,104 |
| Cost of funding earning assets | 0.6664% | 187 |
| Net interest margin | 2.5145% | 4,066 |
| Noninterest income to average assets | 0.0423% | 4,656 |
| Noninterest expense to average assets | 1.9962% | 3,438 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4528% | 3,995 |
| Return on assets (ROA) | 0.4528% | 3,952 |
| Pretax return on assets | 0.4910% | 4,015 |
| Return on Equity (ROE) | 6.0265% | 3,567 |
| Retained earnings to average equity (ytd only) | 3.1606% | 3,392 |
| Net charge-offs to loans | 0.0195% | 1,347 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 48.8000% | 1,171 |
| Efficiency ratio | 80.2589% | 924 |
| Assets per employee ($millions) | 6.7571% | 2,112 |
| Cash dividends to net income (ytd only)* | 47.5556% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2328% | 2,512 |
| Loan loss allowance to noncurrent loans | 1,297.9167% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.0474% | 3,516 |
| Noncurrent loans to loans | 0.0950% | 3,293 |
| Net loans and leases to total assets | 49.2447% | 3,446 |
| Net loans and leases to deposits | 52.6342% | 3,637 |
| Net loans and leases to core deposits | 54.7514% | 3,653 |
| Total domestic deposits to total assets | 93.5604% | 376 |
| Equity capital to assets | 6.2778% | 4,106 |
| Core capital (leverage) ratio | 8.8363% | 3,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,387,000 | 4,000 |
| Average earning assets | $96,639,333 | 3,947 |
| Average equity | $7,467,000 | 4,257 |
| Average total loans | $51,207,667 | 3,946 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1797% | 2,749 |
| Cost of funding earning assets | 0.6885% | 159 |
| Net interest margin | 2.4911% | 3,917 |
| Noninterest income to average assets | 0.0163% | 4,729 |
| Noninterest expense to average assets | 2.0772% | 3,230 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3374% | 4,079 |
| Return on assets (ROA) | 0.3374% | 4,047 |
| Pretax return on assets | 0.3658% | 4,091 |
| Return on Equity (ROE) | 4.1402% | 3,840 |
| Retained earnings to average equity (ytd only) | 3.0428% | 3,244 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0250% | 785 |
| Assets per employee ($millions) | 6.2001% | 2,632 |
| Cash dividends to net income (ytd only)* | 26.5060% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 2,428 |
| Loan loss allowance to noncurrent loans | 1,101.7544% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 3,472 |
| Noncurrent loans to loans | 0.1168% | 3,245 |
| Net loans and leases to total assets | 48.5822% | 3,324 |
| Net loans and leases to deposits | 52.3654% | 3,542 |
| Net loans and leases to core deposits | 54.8938% | 3,533 |
| Total domestic deposits to total assets | 92.7753% | 328 |
| Equity capital to assets | 7.0987% | 4,161 |
| Core capital (leverage) ratio | 9.3271% | 2,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,402,000 | 4,021 |
| Average earning assets | $95,859,500 | 3,970 |
| Average equity | $8,019,000 | 4,269 |
| Average total loans | $51,543,500 | 3,949 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4496% | 2,803 |
| Cost of funding earning assets | 0.9105% | 106 |
| Net interest margin | 2.5391% | 4,139 |
| Noninterest income to average assets | 0.6228% | 2,065 |
| Noninterest expense to average assets | 2.1427% | 3,264 |
| Loan and lease loss provision to assets | 0.1594% | 744 |
| Net operating income to assets | 0.7631% | 3,446 |
| Return on assets (ROA) | 0.7631% | 3,507 |
| Pretax return on assets | 0.7748% | 3,779 |
| Return on Equity (ROE) | 7.7481% | 3,302 |
| Retained earnings to average equity (ytd only) | 2.5683% | 3,812 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6373% | 1,780 |
| Assets per employee ($millions) | 6.1002% | 2,665 |
| Cash dividends to net income (ytd only)* | 66.8524% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 3,088 |
| Loan loss allowance to noncurrent loans | 1,281.6327% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 3,637 |
| Noncurrent loans to loans | 0.0903% | 3,475 |
| Net loans and leases to total assets | 54.9543% | 2,735 |
| Net loans and leases to deposits | 60.6644% | 3,018 |
| Net loans and leases to core deposits | 63.6830% | 3,012 |
| Total domestic deposits to total assets | 90.5874% | 681 |
| Equity capital to assets | 9.2169% | 3,401 |
| Core capital (leverage) ratio | 9.2300% | 3,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,088,400 | 4,056 |
| Average earning assets | $90,937,000 | 4,005 |
| Average equity | $9,266,800 | 4,219 |
| Average total loans | $53,135,200 | 3,946 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5081% | 2,812 |
| Cost of funding earning assets | 0.9572% | 103 |
| Net interest margin | 2.5509% | 4,203 |
| Noninterest income to average assets | 0.8211% | 1,466 |
| Noninterest expense to average assets | 2.1542% | 3,211 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1129% | 2,504 |
| Return on assets (ROA) | 1.1129% | 2,557 |
| Pretax return on assets | 1.1257% | 3,141 |
| Return on Equity (ROE) | 11.1126% | 2,339 |
| Retained earnings to average equity (ytd only) | 6.8275% | 2,483 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6782% | 2,147 |
| Assets per employee ($millions) | 5.7308% | 2,958 |
| Cash dividends to net income (ytd only)* | 38.5604% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9522% | 4,002 |
| Loan loss allowance to noncurrent loans | 783.6066% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 3,699 |
| Noncurrent loans to loans | 0.1215% | 3,489 |
| Net loans and leases to total assets | 51.0377% | 3,297 |
| Net loans and leases to deposits | 56.6308% | 3,524 |
| Net loans and leases to core deposits | 59.4709% | 3,511 |
| Total domestic deposits to total assets | 90.1236% | 718 |
| Equity capital to assets | 9.6732% | 3,221 |
| Core capital (leverage) ratio | 9.7808% | 2,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,209,750 | 4,115 |
| Average earning assets | $89,847,500 | 4,071 |
| Average equity | $9,334,500 | 4,271 |
| Average total loans | $52,852,750 | 4,001 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5880% | 2,667 |
| Cost of funding earning assets | 0.9890% | 113 |
| Net interest margin | 2.5990% | 4,172 |
| Noninterest income to average assets | 1.1786% | 825 |
| Noninterest expense to average assets | 2.2025% | 3,086 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4705% | 1,372 |
| Return on assets (ROA) | 1.4705% | 1,435 |
| Pretax return on assets | 1.4836% | 2,071 |
| Return on Equity (ROE) | 14.5088% | 1,281 |
| Retained earnings to average equity (ytd only) | 10.5323% | 1,244 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7518% | 3,047 |
| Assets per employee ($millions) | 5.5308% | 3,093 |
| Cash dividends to net income (ytd only)* | 27.4074% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9146% | 4,116 |
| Loan loss allowance to noncurrent loans | 956.0000% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 3,880 |
| Noncurrent loans to loans | 0.0957% | 3,701 |
| Net loans and leases to total assets | 55.0748% | 3,005 |
| Net loans and leases to deposits | 61.3877% | 3,264 |
| Net loans and leases to core deposits | 64.5577% | 3,238 |
| Total domestic deposits to total assets | 89.7163% | 913 |
| Equity capital to assets | 10.0369% | 2,820 |
| Core capital (leverage) ratio | 10.0941% | 2,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,805,000 | 4,153 |
| Average earning assets | $88,572,000 | 4,107 |
| Average equity | $9,304,667 | 4,287 |
| Average total loans | $53,736,667 | 4,010 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6899% | 2,384 |
| Cost of funding earning assets | 1.0151% | 127 |
| Net interest margin | 2.6749% | 4,017 |
| Noninterest income to average assets | 1.4642% | 627 |
| Noninterest expense to average assets | 2.1787% | 3,171 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8479% | 723 |
| Return on assets (ROA) | 1.8479% | 777 |
| Pretax return on assets | 1.8656% | 1,165 |
| Return on Equity (ROE) | 18.1415% | 713 |
| Retained earnings to average equity (ytd only) | 14.4612% | 700 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8713% | 3,802 |
| Assets per employee ($millions) | 6.4379% | 2,220 |
| Cash dividends to net income (ytd only)* | 20.2864% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8938% | 4,169 |
| Loan loss allowance to noncurrent loans | 956.0000% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 3,981 |
| Noncurrent loans to loans | 0.0935% | 3,837 |
| Net loans and leases to total assets | 58.8022% | 2,705 |
| Net loans and leases to deposits | 65.7213% | 2,949 |
| Net loans and leases to core deposits | 69.2562% | 2,938 |
| Total domestic deposits to total assets | 89.4720% | 1,082 |
| Equity capital to assets | 10.3094% | 2,427 |
| Core capital (leverage) ratio | 10.2231% | 2,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,696,000 | 4,178 |
| Average earning assets | $87,481,500 | 4,127 |
| Average equity | $9,238,500 | 4,304 |
| Average total loans | $54,474,500 | 4,018 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2614% | 1,978 |
| Cost of funding earning assets | 1.1667% | 317 |
| Net interest margin | 3.0948% | 3,643 |
| Noninterest income to average assets | 0.0966% | 4,752 |
| Noninterest expense to average assets | 2.2446% | 3,558 |
| Loan and lease loss provision to assets | 0.1230% | 2,826 |
| Net operating income to assets | 0.6704% | 3,519 |
| Return on assets (ROA) | 0.6704% | 3,649 |
| Pretax return on assets | 0.7060% | 3,871 |
| Return on Equity (ROE) | 6.3987% | 3,447 |
| Retained earnings to average equity (ytd only) | 2.2829% | 3,710 |
| Net charge-offs to loans | 0.0037% | 3,237 |
| Credit loss provision to net charge-offs | 5,350.0000% | 200 |
| Earnings coverage of net charge-offs (x) | 360.5000% | 305 |
| Efficiency ratio | 73.0266% | 1,569 |
| Assets per employee ($millions) | 6.5186% | 1,912 |
| Cash dividends to net income (ytd only)* | 64.3225% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8617% | 4,293 |
| Loan loss allowance to noncurrent loans | 398.3333% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 3,628 |
| Noncurrent loans to loans | 0.2163% | 3,428 |
| Net loans and leases to total assets | 60.2601% | 2,827 |
| Net loans and leases to deposits | 67.2142% | 3,160 |
| Net loans and leases to core deposits | 70.6773% | 3,210 |
| Total domestic deposits to total assets | 89.6538% | 696 |
| Equity capital to assets | 10.0645% | 3,072 |
| Core capital (leverage) ratio | 9.7252% | 2,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,963,400 | 4,161 |
| Average earning assets | $83,657,800 | 4,106 |
| Average equity | $9,111,200 | 4,301 |
| Average total loans | $54,564,600 | 4,008 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3557% | 1,962 |
| Cost of funding earning assets | 1.2017% | 371 |
| Net interest margin | 3.1539% | 3,609 |
| Noninterest income to average assets | 0.0823% | 4,815 |
| Noninterest expense to average assets | 2.2851% | 3,459 |
| Loan and lease loss provision to assets | 0.0268% | 3,998 |
| Net operating income to assets | 0.7622% | 3,243 |
| Return on assets (ROA) | 0.7622% | 3,355 |
| Pretax return on assets | 0.7979% | 3,653 |
| Return on Equity (ROE) | 7.1997% | 3,121 |
| Retained earnings to average equity (ytd only) | 3.6805% | 3,205 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4898% | 1,461 |
| Assets per employee ($millions) | 6.2356% | 2,060 |
| Cash dividends to net income (ytd only)* | 48.8798% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7131% | 4,557 |
| Loan loss allowance to noncurrent loans | 319.6721% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.1304% | 3,774 |
| Noncurrent loans to loans | 0.2231% | 3,502 |
| Net loans and leases to total assets | 58.0570% | 3,409 |
| Net loans and leases to deposits | 64.5972% | 3,747 |
| Net loans and leases to core deposits | 67.6007% | 3,783 |
| Total domestic deposits to total assets | 89.8753% | 468 |
| Equity capital to assets | 9.8606% | 3,365 |
| Core capital (leverage) ratio | 10.0942% | 2,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,889,000 | 4,179 |
| Average earning assets | $82,434,500 | 4,123 |
| Average equity | $9,092,750 | 4,311 |
| Average total loans | $54,337,750 | 4,039 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4909% | 1,942 |
| Cost of funding earning assets | 1.2432% | 441 |
| Net interest margin | 3.2478% | 3,534 |
| Noninterest income to average assets | 0.0864% | 4,818 |
| Noninterest expense to average assets | 2.3110% | 3,484 |
| Loan and lease loss provision to assets | 0.0408% | 3,771 |
| Net operating income to assets | 0.8183% | 2,976 |
| Return on assets (ROA) | 0.8183% | 3,095 |
| Pretax return on assets | 0.8567% | 3,437 |
| Return on Equity (ROE) | 7.5365% | 2,922 |
| Retained earnings to average equity (ytd only) | 4.3318% | 2,765 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0269% | 1,681 |
| Assets per employee ($millions) | 5.6695% | 2,469 |
| Cash dividends to net income (ytd only)* | 42.5220% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6881% | 4,593 |
| Loan loss allowance to noncurrent loans | 314.5161% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 3,794 |
| Noncurrent loans to loans | 0.2188% | 3,598 |
| Net loans and leases to total assets | 66.1838% | 2,602 |
| Net loans and leases to deposits | 74.4852% | 3,029 |
| Net loans and leases to core deposits | 78.3082% | 3,081 |
| Total domestic deposits to total assets | 88.8549% | 802 |
| Equity capital to assets | 10.8076% | 2,491 |
| Core capital (leverage) ratio | 10.7798% | 2,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,340,667 | 4,217 |
| Average earning assets | $80,117,000 | 4,171 |
| Average equity | $9,049,333 | 4,334 |
| Average total loans | $54,219,333 | 4,053 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5526% | 2,148 |
| Cost of funding earning assets | 1.2526% | 648 |
| Net interest margin | 3.3000% | 3,593 |
| Noninterest income to average assets | 0.0485% | 4,979 |
| Noninterest expense to average assets | 2.3470% | 3,666 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8389% | 2,754 |
| Return on assets (ROA) | 0.8389% | 2,844 |
| Pretax return on assets | 0.8825% | 3,185 |
| Return on Equity (ROE) | 7.7073% | 2,636 |
| Retained earnings to average equity (ytd only) | 4.8115% | 2,360 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6727% | 1,976 |
| Assets per employee ($millions) | 5.3891% | 2,238 |
| Cash dividends to net income (ytd only)* | 37.5723% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6895% | 4,626 |
| Loan loss allowance to noncurrent loans | 293.7008% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.1571% | 3,872 |
| Noncurrent loans to loans | 0.2347% | 3,646 |
| Net loans and leases to total assets | 66.4654% | 2,760 |
| Net loans and leases to deposits | 75.1314% | 3,160 |
| Net loans and leases to core deposits | 79.1934% | 3,271 |
| Total domestic deposits to total assets | 88.4655% | 903 |
| Equity capital to assets | 11.2475% | 2,640 |
| Core capital (leverage) ratio | 10.7957% | 2,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,490,000 | 4,230 |
| Average earning assets | $79,514,500 | 4,178 |
| Average equity | $8,978,500 | 4,370 |
| Average total loans | $52,992,000 | 4,093 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7161% | 2,283 |
| Cost of funding earning assets | 1.2060% | 1,014 |
| Net interest margin | 3.5100% | 3,418 |
| Noninterest income to average assets | 0.0443% | 5,047 |
| Noninterest expense to average assets | 2.3356% | 3,857 |
| Loan and lease loss provision to assets | 0.1059% | 1,958 |
| Net operating income to assets | 0.9025% | 3,201 |
| Return on assets (ROA) | 0.9025% | 3,289 |
| Pretax return on assets | 0.9604% | 3,574 |
| Return on Equity (ROE) | 8.3390% | 3,026 |
| Retained earnings to average equity (ytd only) | 1.6268% | 4,152 |
| Net charge-offs to loans | 0.0443% | 2,502 |
| Credit loss provision to net charge-offs | 373.9130% | 746 |
| Earnings coverage of net charge-offs (x) | 37.6522% | 1,370 |
| Efficiency ratio | 68.6573% | 2,362 |
| Assets per employee ($millions) | 5.6096% | 1,965 |
| Cash dividends to net income (ytd only)* | 80.4911% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7189% | 4,535 |
| Loan loss allowance to noncurrent loans | 289.1473% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 3,869 |
| Noncurrent loans to loans | 0.2486% | 3,557 |
| Net loans and leases to total assets | 61.2165% | 3,478 |
| Net loans and leases to deposits | 68.6736% | 3,761 |
| Net loans and leases to core deposits | 72.1823% | 3,849 |
| Total domestic deposits to total assets | 89.1412% | 615 |
| Equity capital to assets | 10.5355% | 3,413 |
| Core capital (leverage) ratio | 9.8772% | 3,644 |
| Tier 1 risk-based capital ratio | 15.6520% | 2,523 |
| Total risk-based capital ratio | 16.3174% | 2,688 |
| Memoranda: | ||
| Average total assets | $81,220,200 | 4,264 |
| Average earning assets | $77,692,000 | 4,220 |
| Average equity | $8,790,000 | 4,408 |
| Average total loans | $51,970,400 | 4,143 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7488% | 2,273 |
| Cost of funding earning assets | 1.1850% | 1,074 |
| Net interest margin | 3.5638% | 3,357 |
| Noninterest income to average assets | 0.0298% | 5,154 |
| Noninterest expense to average assets | 2.2909% | 3,977 |
| Loan and lease loss provision to assets | 0.0066% | 3,749 |
| Net operating income to assets | 1.0718% | 2,681 |
| Return on assets (ROA) | 1.0718% | 2,769 |
| Pretax return on assets | 1.1297% | 3,205 |
| Return on Equity (ROE) | 9.8350% | 2,497 |
| Retained earnings to average equity (ytd only) | 4.4386% | 3,173 |
| Net charge-offs to loans | 0.0103% | 3,005 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | 171.6023% | 494 |
| Efficiency ratio | 66.8439% | 2,608 |
| Assets per employee ($millions) | 5.7543% | 1,800 |
| Cash dividends to net income (ytd only)* | 54.8681% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6139% | 4,788 |
| Loan loss allowance to noncurrent loans | 234.8485% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.1529% | 3,975 |
| Noncurrent loans to loans | 0.2614% | 3,607 |
| Net loans and leases to total assets | 58.1435% | 3,872 |
| Net loans and leases to deposits | 65.1250% | 4,120 |
| Net loans and leases to core deposits | 68.3472% | 4,148 |
| Total domestic deposits to total assets | 89.2798% | 527 |
| Equity capital to assets | 10.4317% | 3,609 |
| Core capital (leverage) ratio | 10.8801% | 2,758 |
| Tier 1 risk-based capital ratio | 15.6268% | 2,593 |
| Total risk-based capital ratio | 16.1696% | 2,819 |
| Memoranda: | ||
| Average total assets | $80,489,250 | 4,331 |
| Average earning assets | $76,732,750 | 4,286 |
| Average equity | $8,771,250 | 4,456 |
| Average total loans | $51,992,250 | 4,187 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7995% | 2,060 |
| Cost of funding earning assets | 1.1667% | 1,089 |
| Net interest margin | 3.6327% | 3,154 |
| Noninterest income to average assets | 0.0382% | 5,187 |
| Noninterest expense to average assets | 2.3374% | 3,903 |
| Loan and lease loss provision to assets | 0.0102% | 3,543 |
| Net operating income to assets | 1.1203% | 2,443 |
| Return on assets (ROA) | 1.1203% | 2,518 |
| Pretax return on assets | 1.1789% | 2,978 |
| Return on Equity (ROE) | 10.1223% | 2,333 |
| Retained earnings to average equity (ytd only) | 5.0612% | 2,742 |
| Net charge-offs to loans | 0.0152% | 2,594 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 116.7500% | 617 |
| Efficiency ratio | 66.2816% | 2,778 |
| Assets per employee ($millions) | 4.9351% | 2,556 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5707% | 4,923 |
| Loan loss allowance to noncurrent loans | 231.3433% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 3,919 |
| Noncurrent loans to loans | 0.2467% | 3,652 |
| Net loans and leases to total assets | 68.3945% | 2,765 |
| Net loans and leases to deposits | 78.5036% | 3,109 |
| Net loans and leases to core deposits | 82.5209% | 3,238 |
| Total domestic deposits to total assets | 87.1228% | 1,539 |
| Equity capital to assets | 11.3068% | 2,778 |
| Core capital (leverage) ratio | 11.2688% | 2,361 |
| Tier 1 risk-based capital ratio | 15.1482% | 2,772 |
| Total risk-based capital ratio | 15.6787% | 3,017 |
| Memoranda: | ||
| Average total assets | $78,547,670 | 4,400 |
| Average earning assets | $75,425,000 | 4,344 |
| Average equity | $8,693,670 | 4,484 |
| Average total loans | $52,491,000 | 4,207 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6840% | 2,283 |
| Cost of funding earning assets | 1.0891% | 1,222 |
| Net interest margin | 3.5950% | 3,264 |
| Noninterest income to average assets | 0.0511% | 5,211 |
| Noninterest expense to average assets | 2.3130% | 3,985 |
| Loan and lease loss provision to assets | 0.0204% | 3,177 |
| Net operating income to assets | 1.1335% | 2,335 |
| Return on assets (ROA) | 1.1335% | 2,385 |
| Pretax return on assets | 1.1897% | 2,844 |
| Return on Equity (ROE) | 10.3539% | 2,216 |
| Retained earnings to average equity (ytd only) | 5.4568% | 2,712 |
| Net charge-offs to loans | 0.0310% | 1,832 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 59.2500% | 924 |
| Efficiency ratio | 65.6522% | 2,986 |
| Assets per employee ($millions) | 5.1545% | 2,328 |
| Cash dividends to net income (ytd only)* | 47.2973% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5909% | 4,953 |
| Loan loss allowance to noncurrent loans | 196.2025% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.2044% | 3,799 |
| Noncurrent loans to loans | 0.3011% | 3,484 |
| Net loans and leases to total assets | 67.4574% | 2,834 |
| Net loans and leases to deposits | 76.2269% | 3,237 |
| Net loans and leases to core deposits | 80.4765% | 3,319 |
| Total domestic deposits to total assets | 88.4954% | 1,093 |
| Equity capital to assets | 11.2705% | 2,588 |
| Core capital (leverage) ratio | 11.3089% | 2,277 |
| Tier 1 risk-based capital ratio | 15.4754% | 2,663 |
| Total risk-based capital ratio | 16.0140% | 2,918 |
| Memoranda: | ||
| Average total assets | $78,341,000 | 4,449 |
| Average earning assets | $75,661,500 | 4,375 |
| Average equity | $8,576,500 | 4,526 |
| Average total loans | $51,579,000 | 4,271 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5209% | 2,400 |
| Cost of funding earning assets | 0.9924% | 780 |
| Net interest margin | 3.5285% | 3,606 |
| Noninterest income to average assets | 0.0262% | 5,310 |
| Noninterest expense to average assets | 2.2590% | 4,209 |
| Loan and lease loss provision to assets | 0.0748% | 2,634 |
| Net operating income to assets | 0.9917% | 3,047 |
| Return on assets (ROA) | 0.9917% | 3,043 |
| Pretax return on assets | 1.0366% | 3,489 |
| Return on Equity (ROE) | 9.5463% | 2,725 |
| Retained earnings to average equity (ytd only) | 2.3416% | 4,216 |
| Net charge-offs to loans | 0.0312% | 2,775 |
| Credit loss provision to net charge-offs | 375.0000% | 858 |
| Earnings coverage of net charge-offs (x) | 55.6875% | 1,071 |
| Efficiency ratio | 67.0244% | 2,708 |
| Assets per employee ($millions) | 5.2910% | 2,158 |
| Cash dividends to net income (ytd only)* | 75.4717% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6115% | 4,951 |
| Loan loss allowance to noncurrent loans | 221.4286% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 3,924 |
| Noncurrent loans to loans | 0.2762% | 3,580 |
| Net loans and leases to total assets | 63.4814% | 3,408 |
| Net loans and leases to deposits | 71.2435% | 3,727 |
| Net loans and leases to core deposits | 75.0447% | 3,782 |
| Total domestic deposits to total assets | 89.1048% | 818 |
| Equity capital to assets | 10.6332% | 3,044 |
| Core capital (leverage) ratio | 10.4241% | 3,115 |
| Tier 1 risk-based capital ratio | 15.2698% | 2,714 |
| Total risk-based capital ratio | 15.8181% | 2,950 |
| Memoranda: | ||
| Average total assets | $80,168,200 | 4,429 |
| Average earning assets | $75,981,000 | 4,382 |
| Average equity | $8,327,800 | 4,551 |
| Average total loans | $51,316,800 | 4,292 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4813% | 2,361 |
| Cost of funding earning assets | 0.9716% | 678 |
| Net interest margin | 3.5097% | 3,663 |
| Noninterest income to average assets | 0.0166% | 5,400 |
| Noninterest expense to average assets | 2.2280% | 4,259 |
| Loan and lease loss provision to assets | 0.0166% | 3,684 |
| Net operating income to assets | 1.0369% | 2,934 |
| Return on assets (ROA) | 1.0369% | 2,942 |
| Pretax return on assets | 1.0800% | 3,468 |
| Return on Equity (ROE) | 10.0399% | 2,603 |
| Retained earnings to average equity (ytd only) | 3.8553% | 3,853 |
| Net charge-offs to loans | 0.0311% | 2,468 |
| Credit loss provision to net charge-offs | 83.3333% | 2,491 |
| Earnings coverage of net charge-offs (x) | 55.0819% | 1,111 |
| Efficiency ratio | 67.0160% | 2,709 |
| Assets per employee ($millions) | 5.4801% | 1,931 |
| Cash dividends to net income (ytd only)* | 61.6001% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5337% | 5,144 |
| Loan loss allowance to noncurrent loans | 177.1812% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 4,036 |
| Noncurrent loans to loans | 0.3012% | 3,599 |
| Net loans and leases to total assets | 59.8586% | 3,856 |
| Net loans and leases to deposits | 66.8056% | 4,141 |
| Net loans and leases to core deposits | 70.2076% | 4,180 |
| Total domestic deposits to total assets | 89.6012% | 638 |
| Equity capital to assets | 10.1530% | 3,489 |
| Core capital (leverage) ratio | 10.5990% | 2,984 |
| Tier 1 risk-based capital ratio | 15.2548% | 2,758 |
| Total risk-based capital ratio | 15.7190% | 3,059 |
| Memoranda: | ||
| Average total assets | $80,369,000 | 4,466 |
| Average earning assets | $75,749,750 | 4,431 |
| Average equity | $8,300,000 | 4,603 |
| Average total loans | $51,473,000 | 4,330 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4278% | 2,328 |
| Cost of funding earning assets | 0.9416% | 605 |
| Net interest margin | 3.4862% | 3,683 |
| Noninterest income to average assets | 0.0150% | 5,465 |
| Noninterest expense to average assets | 2.2267% | 4,309 |
| Loan and lease loss provision to assets | 0.0150% | 3,577 |
| Net operating income to assets | 1.0381% | 2,859 |
| Return on assets (ROA) | 1.0381% | 2,863 |
| Pretax return on assets | 1.0783% | 3,393 |
| Return on Equity (ROE) | 9.9944% | 2,565 |
| Retained earnings to average equity (ytd only) | 3.7177% | 3,742 |
| Net charge-offs to loans | 0.0269% | 2,316 |
| Credit loss provision to net charge-offs | 85.7143% | 2,205 |
| Earnings coverage of net charge-offs (x) | 62.2857% | 973 |
| Efficiency ratio | 67.0695% | 2,807 |
| Assets per employee ($millions) | 5.4058% | 1,991 |
| Cash dividends to net income (ytd only)* | 62.8019% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5091% | 5,247 |
| Loan loss allowance to noncurrent loans | 184.0278% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.1776% | 4,095 |
| Noncurrent loans to loans | 0.2767% | 3,716 |
| Net loans and leases to total assets | 63.8610% | 3,420 |
| Net loans and leases to deposits | 71.3500% | 3,760 |
| Net loans and leases to core deposits | 74.7380% | 3,828 |
| Total domestic deposits to total assets | 89.5039% | 739 |
| Equity capital to assets | 10.2643% | 3,374 |
| Core capital (leverage) ratio | 10.7866% | 2,715 |
| Tier 1 risk-based capital ratio | 14.6270% | 3,055 |
| Total risk-based capital ratio | 15.0781% | 3,357 |
| Memoranda: | ||
| Average total assets | $79,758,000 | 4,518 |
| Average earning assets | $75,613,330 | 4,479 |
| Average equity | $8,284,670 | 4,649 |
| Average total loans | $52,141,000 | 4,346 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3966% | 2,205 |
| Cost of funding earning assets | 0.9197% | 541 |
| Net interest margin | 3.4769% | 3,620 |
| Noninterest income to average assets | 0.0152% | 5,539 |
| Noninterest expense to average assets | 2.2050% | 4,405 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0873% | 2,486 |
| Return on assets (ROA) | 1.0873% | 2,501 |
| Pretax return on assets | 1.1177% | 3,106 |
| Return on Equity (ROE) | 10.4047% | 2,226 |
| Retained earnings to average equity (ytd only) | 4.1135% | 3,556 |
| Net charge-offs to loans | 0.0077% | 2,466 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 221.0000% | 301 |
| Efficiency ratio | 66.3623% | 3,099 |
| Assets per employee ($millions) | 5.1979% | 2,257 |
| Cash dividends to net income (ytd only)* | 60.4651% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5205% | 5,302 |
| Loan loss allowance to noncurrent loans | 181.5068% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.1873% | 4,148 |
| Noncurrent loans to loans | 0.2868% | 3,747 |
| Net loans and leases to total assets | 64.9549% | 3,184 |
| Net loans and leases to deposits | 72.7989% | 3,530 |
| Net loans and leases to core deposits | 76.3631% | 3,642 |
| Total domestic deposits to total assets | 89.2251% | 995 |
| Equity capital to assets | 10.5825% | 2,993 |
| Core capital (leverage) ratio | 10.8417% | 2,590 |
| Tier 1 risk-based capital ratio | 14.4858% | 3,128 |
| Total risk-based capital ratio | 14.9363% | 3,459 |
| Memoranda: | ||
| Average total assets | $79,093,500 | 4,583 |
| Average earning assets | $75,240,500 | 4,536 |
| Average equity | $8,265,500 | 4,705 |
| Average total loans | $52,187,500 | 4,387 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4645% | 1,832 |
| Cost of funding earning assets | 0.8996% | 371 |
| Net interest margin | 3.5649% | 3,285 |
| Noninterest income to average assets | 0.0617% | 5,506 |
| Noninterest expense to average assets | 2.3397% | 4,227 |
| Loan and lease loss provision to assets | 0.0262% | 3,769 |
| Net operating income to assets | 1.0406% | 2,091 |
| Return on assets (ROA) | 1.0406% | 2,121 |
| Pretax return on assets | 1.0655% | 3,319 |
| Return on Equity (ROE) | 9.6411% | 2,039 |
| Retained earnings to average equity (ytd only) | 3.2583% | 3,351 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1836% | 2,857 |
| Assets per employee ($millions) | 5.3479% | 2,108 |
| Cash dividends to net income (ytd only)* | 66.2043% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4975% | 5,390 |
| Loan loss allowance to noncurrent loans | 171.6129% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.1932% | 4,168 |
| Noncurrent loans to loans | 0.2899% | 3,741 |
| Net loans and leases to total assets | 66.3185% | 3,055 |
| Net loans and leases to deposits | 74.1288% | 3,516 |
| Net loans and leases to core deposits | 77.6132% | 3,619 |
| Total domestic deposits to total assets | 89.4638% | 792 |
| Equity capital to assets | 10.3217% | 3,366 |
| Core capital (leverage) ratio | 10.4399% | 2,915 |
| Tier 1 risk-based capital ratio | 14.2507% | 3,224 |
| Total risk-based capital ratio | 14.7000% | 3,565 |
| Memoranda: | ||
| Average total assets | $76,206,400 | 4,666 |
| Average earning assets | $72,035,200 | 4,621 |
| Average equity | $8,225,200 | 4,750 |
| Average total loans | $50,762,600 | 4,439 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4668% | 1,733 |
| Cost of funding earning assets | 0.8960% | 354 |
| Net interest margin | 3.5709% | 3,258 |
| Noninterest income to average assets | 0.0550% | 5,596 |
| Noninterest expense to average assets | 2.3154% | 4,260 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0904% | 2,129 |
| Return on assets (ROA) | 1.0904% | 2,186 |
| Pretax return on assets | 1.1169% | 3,243 |
| Return on Equity (ROE) | 9.9858% | 2,138 |
| Retained earnings to average equity (ytd only) | 4.8711% | 2,970 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4587% | 2,976 |
| Assets per employee ($millions) | 4.9997% | 2,445 |
| Cash dividends to net income (ytd only)* | 51.2195% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4779% | 5,495 |
| Loan loss allowance to noncurrent loans | 158.7097% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.2067% | 4,252 |
| Noncurrent loans to loans | 0.3011% | 3,862 |
| Net loans and leases to total assets | 68.3086% | 2,797 |
| Net loans and leases to deposits | 77.1785% | 3,254 |
| Net loans and leases to core deposits | 81.0993% | 3,365 |
| Total domestic deposits to total assets | 88.5072% | 1,117 |
| Equity capital to assets | 11.2528% | 2,616 |
| Core capital (leverage) ratio | 11.1063% | 2,362 |
| Tier 1 risk-based capital ratio | 14.8366% | 2,998 |
| Total risk-based capital ratio | 15.2675% | 3,348 |
| Memoranda: | ||
| Average total assets | $75,203,250 | 4,733 |
| Average earning assets | $71,129,750 | 4,691 |
| Average equity | $8,211,500 | 4,799 |
| Average total loans | $50,086,750 | 4,502 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4059% | 1,798 |
| Cost of funding earning assets | 0.8716% | 363 |
| Net interest margin | 3.5342% | 3,279 |
| Noninterest income to average assets | 0.0744% | 5,589 |
| Noninterest expense to average assets | 2.3196% | 4,292 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0787% | 2,090 |
| Return on assets (ROA) | 1.0787% | 2,134 |
| Pretax return on assets | 1.1053% | 3,151 |
| Return on Equity (ROE) | 9.9807% | 2,041 |
| Retained earnings to average equity (ytd only) | 5.0641% | 2,672 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7269% | 3,063 |
| Assets per employee ($millions) | 5.0835% | 2,295 |
| Cash dividends to net income (ytd only)* | 49.2611% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4857% | 5,534 |
| Loan loss allowance to noncurrent loans | 161.8421% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.1993% | 4,370 |
| Noncurrent loans to loans | 0.3001% | 3,965 |
| Net loans and leases to total assets | 66.0971% | 3,088 |
| Net loans and leases to deposits | 74.4014% | 3,502 |
| Net loans and leases to core deposits | 77.7146% | 3,621 |
| Total domestic deposits to total assets | 88.8385% | 1,043 |
| Equity capital to assets | 10.9412% | 2,876 |
| Core capital (leverage) ratio | 11.0286% | 2,375 |
| Tier 1 risk-based capital ratio | 14.8950% | 2,974 |
| Total risk-based capital ratio | 15.3325% | 3,302 |
| Memoranda: | ||
| Average total assets | $75,272,670 | 4,759 |
| Average earning assets | $71,359,330 | 4,714 |
| Average equity | $8,135,670 | 4,838 |
| Average total loans | $49,624,330 | 4,541 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3390% | 1,851 |
| Cost of funding earning assets | 0.8701% | 333 |
| Net interest margin | 3.4689% | 3,392 |
| Noninterest income to average assets | 0.1284% | 5,478 |
| Noninterest expense to average assets | 2.3107% | 4,377 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0698% | 1,986 |
| Return on assets (ROA) | 1.0698% | 2,031 |
| Pretax return on assets | 1.1019% | 2,971 |
| Return on Equity (ROE) | 9.9602% | 1,981 |
| Retained earnings to average equity (ytd only) | 5.4781% | 2,614 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7116% | 3,249 |
| Assets per employee ($millions) | 4.9461% | 2,513 |
| Cash dividends to net income (ytd only)* | 45.0000% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5040% | 5,595 |
| Loan loss allowance to noncurrent loans | 159.7403% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 4,406 |
| Noncurrent loans to loans | 0.3155% | 3,991 |
| Net loans and leases to total assets | 65.4527% | 3,052 |
| Net loans and leases to deposits | 73.6706% | 3,433 |
| Net loans and leases to core deposits | 76.6463% | 3,596 |
| Total domestic deposits to total assets | 88.8450% | 1,228 |
| Equity capital to assets | 10.9649% | 2,665 |
| Core capital (leverage) ratio | 10.9121% | 2,462 |
| Tier 1 risk-based capital ratio | 15.3639% | 2,811 |
| Total risk-based capital ratio | 15.8204% | 3,097 |
| Memoranda: | ||
| Average total assets | $74,782,500 | 4,820 |
| Average earning assets | $70,800,500 | 4,770 |
| Average equity | $8,032,000 | 4,894 |
| Average total loans | $49,113,000 | 4,590 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2975% | 2,146 |
| Cost of funding earning assets | 0.8514% | 387 |
| Net interest margin | 3.4460% | 3,641 |
| Noninterest income to average assets | 0.0818% | 5,690 |
| Noninterest expense to average assets | 2.2727% | 4,610 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0426% | 2,169 |
| Return on assets (ROA) | 1.0426% | 2,274 |
| Pretax return on assets | 1.0836% | 3,160 |
| Return on Equity (ROE) | 9.6450% | 2,130 |
| Retained earnings to average equity (ytd only) | 1.4040% | 4,706 |
| Net charge-offs to loans | -0.0063% | 4,848 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7153% | 3,299 |
| Assets per employee ($millions) | 5.0249% | 2,365 |
| Cash dividends to net income (ytd only)* | 85.4430% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4978% | 5,661 |
| Loan loss allowance to noncurrent loans | 157.6923% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 4,490 |
| Noncurrent loans to loans | 0.3157% | 4,014 |
| Net loans and leases to total assets | 65.2400% | 3,190 |
| Net loans and leases to deposits | 74.1880% | 3,489 |
| Net loans and leases to core deposits | 77.0970% | 3,651 |
| Total domestic deposits to total assets | 87.9388% | 1,658 |
| Equity capital to assets | 10.5195% | 3,130 |
| Core capital (leverage) ratio | 10.2452% | 3,178 |
| Tier 1 risk-based capital ratio | 14.9862% | 2,970 |
| Total risk-based capital ratio | 15.4375% | 3,283 |
| Memoranda: | ||
| Average total assets | $75,768,800 | 4,822 |
| Average earning assets | $71,995,600 | 4,757 |
| Average equity | $8,190,800 | 4,899 |
| Average total loans | $47,667,000 | 4,648 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2678% | 2,264 |
| Cost of funding earning assets | 0.8473% | 390 |
| Net interest margin | 3.4206% | 3,769 |
| Noninterest income to average assets | 0.0773% | 5,772 |
| Noninterest expense to average assets | 2.2337% | 4,681 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0509% | 2,196 |
| Return on assets (ROA) | 1.0509% | 2,322 |
| Pretax return on assets | 1.0931% | 3,260 |
| Return on Equity (ROE) | 9.6570% | 2,202 |
| Retained earnings to average equity (ytd only) | 4.0050% | 3,452 |
| Net charge-offs to loans | -0.0085% | 4,726 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1421% | 3,395 |
| Assets per employee ($millions) | 5.0771% | 2,284 |
| Cash dividends to net income (ytd only)* | 58.5293% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5177% | 5,714 |
| Loan loss allowance to noncurrent loans | 120.0000% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.2692% | 4,356 |
| Noncurrent loans to loans | 0.4314% | 3,735 |
| Net loans and leases to total assets | 62.0678% | 3,633 |
| Net loans and leases to deposits | 69.9546% | 3,993 |
| Net loans and leases to core deposits | 72.9235% | 4,093 |
| Total domestic deposits to total assets | 88.7259% | 1,034 |
| Equity capital to assets | 11.0456% | 2,959 |
| Core capital (leverage) ratio | 10.5825% | 2,893 |
| Tier 1 risk-based capital ratio | 15.6701% | 2,759 |
| Total risk-based capital ratio | 16.1344% | 3,036 |
| Memoranda: | ||
| Average total assets | $75,867,500 | 4,851 |
| Average earning assets | $72,072,000 | 4,793 |
| Average equity | $8,256,250 | 4,940 |
| Average total loans | $47,228,750 | 4,694 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2864% | 2,191 |
| Cost of funding earning assets | 0.8429% | 392 |
| Net interest margin | 3.4435% | 3,714 |
| Noninterest income to average assets | 0.0871% | 5,819 |
| Noninterest expense to average assets | 2.2647% | 4,697 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0558% | 2,146 |
| Return on assets (ROA) | 1.0558% | 2,268 |
| Pretax return on assets | 1.1007% | 3,195 |
| Return on Equity (ROE) | 9.7509% | 2,159 |
| Retained earnings to average equity (ytd only) | 3.9004% | 3,413 |
| Net charge-offs to loans | -0.0127% | 4,776 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2941% | 3,486 |
| Assets per employee ($millions) | 5.2164% | 2,073 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5342% | 5,761 |
| Loan loss allowance to noncurrent loans | 151.8519% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 4,664 |
| Noncurrent loans to loans | 0.3518% | 4,113 |
| Net loans and leases to total assets | 58.5436% | 4,066 |
| Net loans and leases to deposits | 65.7000% | 4,371 |
| Net loans and leases to core deposits | 68.3773% | 4,446 |
| Total domestic deposits to total assets | 89.1074% | 873 |
| Equity capital to assets | 10.6728% | 3,438 |
| Core capital (leverage) ratio | 10.6818% | 2,753 |
| Tier 1 risk-based capital ratio | 15.7251% | 2,772 |
| Total risk-based capital ratio | 16.1960% | 3,043 |
| Memoranda: | ||
| Average total assets | $75,771,000 | 4,894 |
| Average earning assets | $72,135,000 | 4,839 |
| Average equity | $8,204,330 | 4,994 |
| Average total loans | $47,133,330 | 4,733 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3896% | 1,835 |
| Cost of funding earning assets | 0.8509% | 389 |
| Net interest margin | 3.5387% | 3,325 |
| Noninterest income to average assets | 0.0268% | 6,023 |
| Noninterest expense to average assets | 2.2433% | 4,797 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1055% | 1,879 |
| Return on assets (ROA) | 1.1055% | 1,982 |
| Pretax return on assets | 1.1538% | 2,875 |
| Return on Equity (ROE) | 10.1341% | 1,934 |
| Retained earnings to average equity (ytd only) | 4.2307% | 3,362 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0348% | 3,800 |
| Assets per employee ($millions) | 5.0641% | 2,274 |
| Cash dividends to net income (ytd only)* | 58.2524% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5185% | 5,846 |
| Loan loss allowance to noncurrent loans | 147.2727% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.2343% | 4,619 |
| Noncurrent loans to loans | 0.3520% | 4,168 |
| Net loans and leases to total assets | 61.3820% | 3,610 |
| Net loans and leases to deposits | 68.9779% | 3,957 |
| Net loans and leases to core deposits | 71.8643% | 4,070 |
| Total domestic deposits to total assets | 88.9879% | 1,106 |
| Equity capital to assets | 10.8265% | 3,135 |
| Core capital (leverage) ratio | 11.0103% | 2,401 |
| Tier 1 risk-based capital ratio | 14.8090% | 3,242 |
| Total risk-based capital ratio | 15.2511% | 3,626 |
| Memoranda: | ||
| Average total assets | $74,533,500 | 4,964 |
| Average earning assets | $70,986,500 | 4,901 |
| Average equity | $8,131,000 | 5,032 |
| Average total loans | $47,673,000 | 4,746 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4346% | 1,792 |
| Cost of funding earning assets | 0.8707% | 331 |
| Net interest margin | 3.5640% | 3,266 |
| Noninterest income to average assets | 0.0679% | 5,958 |
| Noninterest expense to average assets | 2.2674% | 4,886 |
| Loan and lease loss provision to assets | 0.0333% | 3,696 |
| Net operating income to assets | 1.0956% | 1,947 |
| Return on assets (ROA) | 1.0931% | 2,026 |
| Pretax return on assets | 1.1490% | 2,845 |
| Return on Equity (ROE) | 10.2415% | 1,904 |
| Retained earnings to average equity (ytd only) | 2.3826% | 4,361 |
| Net charge-offs to loans | 0.0229% | 3,803 |
| Credit loss provision to net charge-offs | 227.2727% | 1,248 |
| Earnings coverage of net charge-offs (x) | 80.9091% | 693 |
| Efficiency ratio | 65.6768% | 3,956 |
| Assets per employee ($millions) | 4.8737% | 2,498 |
| Cash dividends to net income (ytd only)* | 76.7357% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5013% | 5,919 |
| Loan loss allowance to noncurrent loans | 145.5090% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.2462% | 4,609 |
| Noncurrent loans to loans | 0.3445% | 4,232 |
| Net loans and leases to total assets | 65.9777% | 2,978 |
| Net loans and leases to deposits | 74.2880% | 3,458 |
| Net loans and leases to core deposits | 77.4690% | 3,610 |
| Total domestic deposits to total assets | 88.8134% | 1,221 |
| Equity capital to assets | 10.9951% | 2,827 |
| Core capital (leverage) ratio | 10.3746% | 3,082 |
| Tier 1 risk-based capital ratio | 15.1923% | 3,084 |
| Total risk-based capital ratio | 15.6508% | 3,410 |
| Memoranda: | ||
| Average total assets | $75,108,200 | 4,969 |
| Average earning assets | $71,324,800 | 4,909 |
| Average equity | $8,016,400 | 5,061 |
| Average total loans | $48,059,200 | 4,725 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4186% | 1,861 |
| Cost of funding earning assets | 0.8703% | 342 |
| Net interest margin | 3.5483% | 3,347 |
| Noninterest income to average assets | 0.0406% | 6,123 |
| Noninterest expense to average assets | 2.1761% | 5,115 |
| Loan and lease loss provision to assets | 0.0088% | 4,087 |
| Net operating income to assets | 1.1637% | 1,782 |
| Return on assets (ROA) | 1.1603% | 1,862 |
| Pretax return on assets | 1.2168% | 2,748 |
| Return on Equity (ROE) | 10.9513% | 1,726 |
| Retained earnings to average equity (ytd only) | 5.8750% | 2,324 |
| Net charge-offs to loans | 0.0306% | 3,315 |
| Credit loss provision to net charge-offs | 45.4545% | 3,090 |
| Earnings coverage of net charge-offs (x) | 63.3476% | 881 |
| Efficiency ratio | 63.9047% | 4,266 |
| Assets per employee ($millions) | 5.2285% | 2,032 |
| Cash dividends to net income (ytd only)* | 46.3531% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4431% | 6,059 |
| Loan loss allowance to noncurrent loans | 123.2044% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 4,842 |
| Noncurrent loans to loans | 0.3596% | 4,327 |
| Net loans and leases to total assets | 63.8917% | 3,324 |
| Net loans and leases to deposits | 75.4801% | 3,373 |
| Net loans and leases to core deposits | 79.0039% | 3,509 |
| Total domestic deposits to total assets | 84.6471% | 3,154 |
| Equity capital to assets | 10.5511% | 3,552 |
| Core capital (leverage) ratio | 11.0849% | 2,400 |
| Tier 1 risk-based capital ratio | 14.2636% | 3,691 |
| Total risk-based capital ratio | 14.6508% | 4,121 |
| Memoranda: | ||
| Average total assets | $75,609,000 | 5,009 |
| Average earning assets | $71,694,750 | 4,958 |
| Average equity | $8,011,000 | 5,124 |
| Average total loans | $47,955,000 | 4,786 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4512% | 1,691 |
| Cost of funding earning assets | 0.8818% | 316 |
| Net interest margin | 3.5694% | 3,214 |
| Noninterest income to average assets | 0.0375% | 6,202 |
| Noninterest expense to average assets | 2.1990% | 5,119 |
| Loan and lease loss provision to assets | 0.0134% | 3,853 |
| Net operating income to assets | 1.1627% | 1,738 |
| Return on assets (ROA) | 1.1678% | 1,780 |
| Pretax return on assets | 1.2241% | 2,679 |
| Return on Equity (ROE) | 11.0059% | 1,677 |
| Retained earnings to average equity (ytd only) | 5.8311% | 2,338 |
| Net charge-offs to loans | 0.0212% | 3,249 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 635 |
| Efficiency ratio | 64.0906% | 4,346 |
| Assets per employee ($millions) | 4.9311% | 2,360 |
| Cash dividends to net income (ytd only)* | 47.0183% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4865% | 6,098 |
| Loan loss allowance to noncurrent loans | 121.8085% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 0.2542% | 4,857 |
| Noncurrent loans to loans | 0.3994% | 4,283 |
| Net loans and leases to total assets | 63.3332% | 3,364 |
| Net loans and leases to deposits | 71.1573% | 3,804 |
| Net loans and leases to core deposits | 74.4848% | 3,909 |
| Total domestic deposits to total assets | 89.0044% | 1,141 |
| Equity capital to assets | 10.7941% | 3,113 |
| Core capital (leverage) ratio | 10.8223% | 2,591 |
| Tier 1 risk-based capital ratio | 15.3182% | 3,190 |
| Total risk-based capital ratio | 15.7577% | 3,560 |
| Memoranda: | ||
| Average total assets | $74,669,330 | 5,082 |
| Average earning assets | $70,992,330 | 5,021 |
| Average equity | $7,923,000 | 5,185 |
| Average total loans | $47,162,670 | 4,843 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3630% | 1,891 |
| Cost of funding earning assets | 0.8815% | 314 |
| Net interest margin | 3.4815% | 3,506 |
| Noninterest income to average assets | 0.0213% | 6,291 |
| Noninterest expense to average assets | 2.1061% | 5,366 |
| Loan and lease loss provision to assets | 0.0267% | 3,354 |
| Net operating income to assets | 1.1570% | 1,679 |
| Return on assets (ROA) | 1.1570% | 1,783 |
| Pretax return on assets | 1.2157% | 2,607 |
| Return on Equity (ROE) | 10.9978% | 1,636 |
| Retained earnings to average equity (ytd only) | 5.6763% | 2,672 |
| Net charge-offs to loans | 0.0424% | 2,387 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 46.6000% | 885 |
| Efficiency ratio | 62.8981% | 4,641 |
| Assets per employee ($millions) | 4.9225% | 2,458 |
| Cash dividends to net income (ytd only)* | 48.3871% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4987% | 6,169 |
| Loan loss allowance to noncurrent loans | 112.2549% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 0.2763% | 4,840 |
| Noncurrent loans to loans | 0.4443% | 4,256 |
| Net loans and leases to total assets | 61.8801% | 3,386 |
| Net loans and leases to deposits | 69.6414% | 3,790 |
| Net loans and leases to core deposits | 72.8933% | 3,883 |
| Total domestic deposits to total assets | 88.8553% | 1,358 |
| Equity capital to assets | 10.9524% | 3,025 |
| Core capital (leverage) ratio | 10.6404% | 2,806 |
| Tier 1 risk-based capital ratio | 15.8482% | 2,992 |
| Total risk-based capital ratio | 16.3033% | 3,330 |
| Memoranda: | ||
| Average total assets | $75,021,000 | 5,133 |
| Average earning assets | $71,693,500 | 5,056 |
| Average equity | $7,892,500 | 5,235 |
| Average total loans | $47,207,000 | 4,880 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4875% | 1,922 |
| Cost of funding earning assets | 0.9847% | 249 |
| Net interest margin | 3.5027% | 3,775 |
| Noninterest income to average assets | 0.0782% | 6,222 |
| Noninterest expense to average assets | 2.2468% | 5,253 |
| Loan and lease loss provision to assets | 0.0458% | 3,657 |
| Net operating income to assets | 1.0483% | 2,172 |
| Return on assets (ROA) | 1.0432% | 2,271 |
| Pretax return on assets | 1.1025% | 3,071 |
| Return on Equity (ROE) | 10.0342% | 2,102 |
| Retained earnings to average equity (ytd only) | 2.5150% | 4,449 |
| Net charge-offs to loans | 0.0319% | 4,189 |
| Credit loss provision to net charge-offs | 242.8571% | 1,051 |
| Earnings coverage of net charge-offs (x) | 61.1429% | 780 |
| Efficiency ratio | 66.0721% | 4,235 |
| Assets per employee ($millions) | 5.0803% | 2,230 |
| Cash dividends to net income (ytd only)* | 74.9354% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4722% | 6,278 |
| Loan loss allowance to noncurrent loans | 119.8953% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 0.2506% | 5,023 |
| Noncurrent loans to loans | 0.3939% | 4,463 |
| Net loans and leases to total assets | 63.3366% | 3,313 |
| Net loans and leases to deposits | 74.1740% | 3,415 |
| Net loans and leases to core deposits | 77.9398% | 3,526 |
| Total domestic deposits to total assets | 85.3892% | 3,129 |
| Equity capital to assets | 10.1018% | 3,982 |
| Core capital (leverage) ratio | 10.3451% | 3,118 |
| Tier 1 risk-based capital ratio | 14.7436% | 3,635 |
| Total risk-based capital ratio | 15.1730% | 4,085 |
| Memoranda: | ||
| Average total assets | $74,195,200 | 5,186 |
| Average earning assets | $70,373,800 | 5,115 |
| Average equity | $7,713,600 | 5,266 |
| Average total loans | $43,827,800 | 5,043 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5063% | 1,845 |
| Cost of funding earning assets | 1.0057% | 240 |
| Net interest margin | 3.5007% | 3,829 |
| Noninterest income to average assets | 0.0760% | 6,320 |
| Noninterest expense to average assets | 2.1946% | 5,364 |
| Loan and lease loss provision to assets | 0.0072% | 4,274 |
| Net operating income to assets | 1.1270% | 1,944 |
| Return on assets (ROA) | 1.1236% | 2,019 |
| Pretax return on assets | 1.1833% | 2,848 |
| Return on Equity (ROE) | 10.7286% | 1,898 |
| Retained earnings to average equity (ytd only) | 6.3232% | 2,204 |
| Net charge-offs to loans | 0.0125% | 4,310 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 165.0994% | 381 |
| Efficiency ratio | 64.7624% | 4,420 |
| Assets per employee ($millions) | 4.8109% | 2,501 |
| Cash dividends to net income (ytd only)* | 41.0626% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4790% | 6,362 |
| Loan loss allowance to noncurrent loans | 117.4157% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.2467% | 5,240 |
| Noncurrent loans to loans | 0.4079% | 4,680 |
| Net loans and leases to total assets | 60.1768% | 3,756 |
| Net loans and leases to deposits | 67.8669% | 4,140 |
| Net loans and leases to core deposits | 71.0795% | 4,240 |
| Total domestic deposits to total assets | 88.6689% | 1,415 |
| Equity capital to assets | 10.7588% | 3,228 |
| Core capital (leverage) ratio | 10.7710% | 2,728 |
| Tier 1 risk-based capital ratio | 16.3442% | 2,877 |
| Total risk-based capital ratio | 16.7694% | 3,247 |
| Memoranda: | ||
| Average total assets | $73,693,000 | 5,251 |
| Average earning assets | $69,737,250 | 5,179 |
| Average equity | $7,717,500 | 5,311 |
| Average total loans | $42,661,250 | 5,135 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4557% | 1,973 |
| Cost of funding earning assets | 1.0072% | 249 |
| Net interest margin | 3.4485% | 3,985 |
| Noninterest income to average assets | 0.0970% | 6,296 |
| Noninterest expense to average assets | 2.1913% | 5,438 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1129% | 1,886 |
| Return on assets (ROA) | 1.1078% | 1,983 |
| Pretax return on assets | 1.1671% | 2,811 |
| Return on Equity (ROE) | 10.6726% | 1,855 |
| Retained earnings to average equity (ytd only) | 6.3880% | 2,096 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1442% | 4,500 |
| Assets per employee ($millions) | 4.9008% | 2,339 |
| Cash dividends to net income (ytd only)* | 40.1460% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4912% | 6,421 |
| Loan loss allowance to noncurrent loans | 115.4696% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.2462% | 5,355 |
| Noncurrent loans to loans | 0.4254% | 4,719 |
| Net loans and leases to total assets | 57.5960% | 4,038 |
| Net loans and leases to deposits | 65.0344% | 4,374 |
| Net loans and leases to core deposits | 68.0390% | 4,462 |
| Total domestic deposits to total assets | 88.5624% | 1,601 |
| Equity capital to assets | 10.4391% | 3,517 |
| Core capital (leverage) ratio | 10.6943% | 2,727 |
| Tier 1 risk-based capital ratio | 16.4324% | 2,859 |
| Total risk-based capital ratio | 16.8663% | 3,234 |
| Memoranda: | ||
| Average total assets | $74,202,670 | 5,288 |
| Average earning assets | $70,292,330 | 5,212 |
| Average equity | $7,702,000 | 5,343 |
| Average total loans | $42,336,670 | 5,188 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3794% | 2,229 |
| Cost of funding earning assets | 1.0076% | 266 |
| Net interest margin | 3.3718% | 4,252 |
| Noninterest income to average assets | 0.0429% | 6,500 |
| Noninterest expense to average assets | 2.2321% | 5,378 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9652% | 2,335 |
| Return on assets (ROA) | 0.9551% | 2,455 |
| Pretax return on assets | 1.0141% | 3,268 |
| Return on Equity (ROE) | 9.2276% | 2,360 |
| Retained earnings to average equity (ytd only) | 4.9767% | 3,119 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5338% | 4,086 |
| Assets per employee ($millions) | 4.9369% | 2,326 |
| Cash dividends to net income (ytd only)* | 46.0674% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5021% | 6,505 |
| Loan loss allowance to noncurrent loans | 114.2077% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.2471% | 5,446 |
| Noncurrent loans to loans | 0.4396% | 4,827 |
| Net loans and leases to total assets | 55.9329% | 4,147 |
| Net loans and leases to deposits | 63.1653% | 4,416 |
| Net loans and leases to core deposits | 66.0522% | 4,482 |
| Total domestic deposits to total assets | 88.5501% | 1,913 |
| Equity capital to assets | 10.4844% | 3,256 |
| Core capital (leverage) ratio | 10.4064% | 3,038 |
| Tier 1 risk-based capital ratio | 16.4443% | 2,925 |
| Total risk-based capital ratio | 16.8869% | 3,329 |
| Memoranda: | ||
| Average total assets | $74,548,000 | 5,324 |
| Average earning assets | $71,060,000 | 5,253 |
| Average equity | $7,716,000 | 5,365 |
| Average total loans | $42,230,500 | 5,228 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2979% | 2,967 |
| Cost of funding earning assets | 1.0970% | 292 |
| Net interest margin | 3.2009% | 5,000 |
| Noninterest income to average assets | 0.0519% | 6,547 |
| Noninterest expense to average assets | 2.0456% | 5,929 |
| Loan and lease loss provision to assets | 0.0096% | 4,932 |
| Net operating income to assets | 0.9918% | 2,363 |
| Return on assets (ROA) | 0.9866% | 2,456 |
| Pretax return on assets | 1.0412% | 3,188 |
| Return on Equity (ROE) | 9.4256% | 2,358 |
| Retained earnings to average equity (ytd only) | 1.9294% | 4,862 |
| Net charge-offs to loans | 0.0317% | 4,797 |
| Credit loss provision to net charge-offs | 58.3333% | 3,613 |
| Earnings coverage of net charge-offs (x) | 64.5000% | 650 |
| Efficiency ratio | 65.9481% | 4,571 |
| Assets per employee ($millions) | 5.0029% | 2,176 |
| Cash dividends to net income (ytd only)* | 79.5297% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4880% | 6,582 |
| Loan loss allowance to noncurrent loans | 113.5870% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.2452% | 5,535 |
| Noncurrent loans to loans | 0.4296% | 4,921 |
| Net loans and leases to total assets | 56.7981% | 4,219 |
| Net loans and leases to deposits | 66.7152% | 4,217 |
| Net loans and leases to core deposits | 69.5182% | 4,339 |
| Total domestic deposits to total assets | 85.1352% | 3,677 |
| Equity capital to assets | 10.2181% | 3,487 |
| Core capital (leverage) ratio | 10.0264% | 3,523 |
| Tier 1 risk-based capital ratio | 15.9352% | 3,125 |
| Total risk-based capital ratio | 16.3695% | 3,543 |
| Memoranda: | ||
| Average total assets | $73,280,000 | 5,389 |
| Average earning assets | $69,825,200 | 5,316 |
| Average equity | $7,670,600 | 5,421 |
| Average total loans | $37,860,800 | 5,428 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2651% | 3,143 |
| Cost of funding earning assets | 1.1095% | 297 |
| Net interest margin | 3.1555% | 5,128 |
| Noninterest income to average assets | 0.0458% | 6,649 |
| Noninterest expense to average assets | 1.9458% | 6,105 |
| Loan and lease loss provision to assets | 0.0073% | 4,830 |
| Net operating income to assets | 1.0434% | 2,212 |
| Return on assets (ROA) | 1.0434% | 2,291 |
| Pretax return on assets | 1.0965% | 3,130 |
| Return on Equity (ROE) | 9.9069% | 2,223 |
| Retained earnings to average equity (ytd only) | 5.4749% | 2,735 |
| Net charge-offs to loans | 0.0328% | 4,479 |
| Credit loss provision to net charge-offs | 44.4444% | 3,625 |
| Earnings coverage of net charge-offs (x) | 66.9983% | 683 |
| Efficiency ratio | 63.8055% | 4,832 |
| Assets per employee ($millions) | 5.1658% | 1,970 |
| Cash dividends to net income (ytd only)* | 44.7367% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5524% | 6,614 |
| Loan loss allowance to noncurrent loans | 112.3656% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 5,722 |
| Noncurrent loans to loans | 0.4916% | 4,970 |
| Net loans and leases to total assets | 48.5540% | 5,293 |
| Net loans and leases to deposits | 54.9265% | 5,460 |
| Net loans and leases to core deposits | 57.0772% | 5,521 |
| Total domestic deposits to total assets | 88.3981% | 1,894 |
| Equity capital to assets | 10.1114% | 3,756 |
| Core capital (leverage) ratio | 10.5667% | 2,932 |
| Tier 1 risk-based capital ratio | 17.4247% | 2,530 |
| Total risk-based capital ratio | 17.8895% | 2,840 |
| Memoranda: | ||
| Average total assets | $72,839,250 | 5,448 |
| Average earning assets | $69,337,000 | 5,378 |
| Average equity | $7,671,250 | 5,478 |
| Average total loans | $36,618,000 | 5,527 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3093% | 2,914 |
| Cost of funding earning assets | 1.1288% | 293 |
| Net interest margin | 3.1805% | 5,010 |
| Noninterest income to average assets | 0.0505% | 6,670 |
| Noninterest expense to average assets | 1.8965% | 6,226 |
| Loan and lease loss provision to assets | 0.0112% | 4,649 |
| Net operating income to assets | 1.1278% | 1,825 |
| Return on assets (ROA) | 1.1278% | 1,943 |
| Pretax return on assets | 1.1783% | 2,771 |
| Return on Equity (ROE) | 10.5558% | 1,992 |
| Retained earnings to average equity (ytd only) | 6.2232% | 2,310 |
| Net charge-offs to loans | 0.0221% | 4,393 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 106.0000% | 445 |
| Efficiency ratio | 61.4545% | 5,251 |
| Assets per employee ($millions) | 4.8446% | 2,306 |
| Cash dividends to net income (ytd only)* | 41.0448% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5948% | 6,622 |
| Loan loss allowance to noncurrent loans | 113.8298% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2587% | 5,710 |
| Noncurrent loans to loans | 0.5226% | 4,959 |
| Net loans and leases to total assets | 49.2122% | 5,199 |
| Net loans and leases to deposits | 55.2292% | 5,417 |
| Net loans and leases to core deposits | 57.2824% | 5,494 |
| Total domestic deposits to total assets | 89.1054% | 1,566 |
| Equity capital to assets | 10.6744% | 3,093 |
| Core capital (leverage) ratio | 10.7334% | 2,633 |
| Tier 1 risk-based capital ratio | 18.2965% | 2,212 |
| Total risk-based capital ratio | 18.8013% | 2,459 |
| Memoranda: | ||
| Average total assets | $71,290,000 | 5,531 |
| Average earning assets | $68,039,000 | 5,443 |
| Average equity | $7,616,670 | 5,531 |
| Average total loans | $36,213,330 | 5,567 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2883% | 2,934 |
| Cost of funding earning assets | 1.1266% | 323 |
| Net interest margin | 3.1617% | 5,058 |
| Noninterest income to average assets | 0.0453% | 6,749 |
| Noninterest expense to average assets | 2.2606% | 5,534 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7819% | 3,265 |
| Return on assets (ROA) | 0.7819% | 3,402 |
| Pretax return on assets | 0.8215% | 4,078 |
| Return on Equity (ROE) | 7.3146% | 3,321 |
| Retained earnings to average equity (ytd only) | 2.8092% | 4,601 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3456% | 3,382 |
| Assets per employee ($millions) | 4.8146% | 2,462 |
| Cash dividends to net income (ytd only)* | 61.5942% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5918% | 6,717 |
| Loan loss allowance to noncurrent loans | 112.6316% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.2631% | 5,776 |
| Noncurrent loans to loans | 0.5254% | 5,123 |
| Net loans and leases to total assets | 49.7736% | 5,026 |
| Net loans and leases to deposits | 55.7259% | 5,273 |
| Net loans and leases to core deposits | 57.5679% | 5,376 |
| Total domestic deposits to total assets | 89.3186% | 1,475 |
| Equity capital to assets | 10.4862% | 3,556 |
| Core capital (leverage) ratio | 10.4647% | 2,828 |
| Tier 1 risk-based capital ratio | 17.9698% | 2,378 |
| Total risk-based capital ratio | 18.4776% | 2,636 |
| Memoranda: | ||
| Average total assets | $70,600,500 | 5,607 |
| Average earning assets | $67,812,500 | 5,501 |
| Average equity | $7,546,500 | 5,616 |
| Average total loans | $36,332,000 | 5,606 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6286% | 2,888 |
| Cost of funding earning assets | 1.2469% | 468 |
| Net interest margin | 3.3817% | 4,954 |
| Noninterest income to average assets | 0.0696% | 6,622 |
| Noninterest expense to average assets | 2.3153% | 5,650 |
| Loan and lease loss provision to assets | 0.0256% | 5,574 |
| Net operating income to assets | 0.8900% | 2,865 |
| Return on assets (ROA) | 0.8900% | 3,105 |
| Pretax return on assets | 0.9241% | 3,833 |
| Return on Equity (ROE) | 8.3170% | 2,952 |
| Retained earnings to average equity (ytd only) | 1.4591% | 5,139 |
| Net charge-offs to loans | 0.0490% | 5,226 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 37.1667% | 855 |
| Efficiency ratio | 70.9130% | 3,637 |
| Assets per employee ($millions) | 4.5988% | 2,787 |
| Cash dividends to net income (ytd only)* | 82.4561% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5862% | 6,775 |
| Loan loss allowance to noncurrent loans | 109.7436% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.2827% | 5,839 |
| Noncurrent loans to loans | 0.5342% | 5,192 |
| Net loans and leases to total assets | 52.6079% | 4,824 |
| Net loans and leases to deposits | 59.1968% | 5,108 |
| Net loans and leases to core deposits | 60.8648% | 5,287 |
| Total domestic deposits to total assets | 88.8696% | 1,659 |
| Equity capital to assets | 10.9014% | 3,062 |
| Core capital (leverage) ratio | 10.1814% | 3,164 |
| Tier 1 risk-based capital ratio | 18.2520% | 2,185 |
| Total risk-based capital ratio | 18.7714% | 2,422 |
| Memoranda: | ||
| Average total assets | $70,445,800 | 5,621 |
| Average earning assets | $66,564,200 | 5,534 |
| Average equity | $7,538,800 | 5,624 |
| Average total loans | $36,708,400 | 5,648 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6441% | 3,041 |
| Cost of funding earning assets | 1.2646% | 521 |
| Net interest margin | 3.3796% | 5,096 |
| Noninterest income to average assets | 0.0452% | 6,821 |
| Noninterest expense to average assets | 2.2745% | 5,757 |
| Loan and lease loss provision to assets | 0.0188% | 5,566 |
| Net operating income to assets | 0.8981% | 2,988 |
| Return on assets (ROA) | 0.8981% | 3,220 |
| Pretax return on assets | 0.9320% | 3,988 |
| Return on Equity (ROE) | 8.4308% | 3,070 |
| Retained earnings to average equity (ytd only) | 4.5425% | 3,702 |
| Net charge-offs to loans | 0.0363% | 5,140 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 50.5116% | 751 |
| Efficiency ratio | 70.5196% | 3,588 |
| Assets per employee ($millions) | 4.8102% | 2,429 |
| Cash dividends to net income (ytd only)* | 46.1225% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5861% | 6,882 |
| Loan loss allowance to noncurrent loans | 108.6294% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.2730% | 6,018 |
| Noncurrent loans to loans | 0.5395% | 5,366 |
| Net loans and leases to total assets | 50.3098% | 5,279 |
| Net loans and leases to deposits | 56.4453% | 5,593 |
| Net loans and leases to core deposits | 57.9641% | 5,736 |
| Total domestic deposits to total assets | 89.1300% | 1,353 |
| Equity capital to assets | 10.6260% | 3,701 |
| Core capital (leverage) ratio | 10.8759% | 2,514 |
| Tier 1 risk-based capital ratio | 17.9833% | 2,361 |
| Total risk-based capital ratio | 18.4852% | 2,591 |
| Memoranda: | ||
| Average total assets | $70,811,750 | 5,671 |
| Average earning assets | $66,634,250 | 5,591 |
| Average equity | $7,543,500 | 5,683 |
| Average total loans | $36,759,500 | 5,716 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7305% | 2,797 |
| Cost of funding earning assets | 1.3020% | 527 |
| Net interest margin | 3.4286% | 4,977 |
| Noninterest income to average assets | 0.0426% | 6,886 |
| Noninterest expense to average assets | 2.2938% | 5,759 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9380% | 2,723 |
| Return on assets (ROA) | 0.9380% | 2,986 |
| Pretax return on assets | 0.9749% | 3,804 |
| Return on Equity (ROE) | 8.7973% | 2,901 |
| Retained earnings to average equity (ytd only) | 4.9318% | 3,317 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1739% | 3,739 |
| Assets per employee ($millions) | 4.7023% | 2,564 |
| Cash dividends to net income (ytd only)* | 43.9394% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5857% | 6,945 |
| Loan loss allowance to noncurrent loans | 301.4085% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.1007% | 6,547 |
| Noncurrent loans to loans | 0.1943% | 6,195 |
| Net loans and leases to total assets | 51.4950% | 5,155 |
| Net loans and leases to deposits | 57.8846% | 5,462 |
| Net loans and leases to core deposits | 59.4780% | 5,648 |
| Total domestic deposits to total assets | 88.9615% | 1,527 |
| Equity capital to assets | 10.7677% | 3,375 |
| Core capital (leverage) ratio | 10.8467% | 2,438 |
| Tier 1 risk-based capital ratio | 18.0352% | 2,278 |
| Total risk-based capital ratio | 18.5434% | 2,515 |
| Memoranda: | ||
| Average total assets | $70,364,670 | 5,725 |
| Average earning assets | $66,208,000 | 5,639 |
| Average equity | $7,502,330 | 5,710 |
| Average total loans | $36,841,330 | 5,740 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7322% | 2,921 |
| Cost of funding earning assets | 1.3272% | 567 |
| Net interest margin | 3.4050% | 5,100 |
| Noninterest income to average assets | 0.0455% | 6,950 |
| Noninterest expense to average assets | 2.2766% | 5,833 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9505% | 2,691 |
| Return on assets (ROA) | 0.9505% | 2,904 |
| Pretax return on assets | 0.9960% | 3,691 |
| Return on Equity (ROE) | 8.9592% | 2,856 |
| Retained earnings to average equity (ytd only) | 4.9356% | 3,595 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5652% | 3,886 |
| Assets per employee ($millions) | 4.6206% | 2,775 |
| Cash dividends to net income (ytd only)* | 44.9102% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5827% | 6,999 |
| Loan loss allowance to noncurrent loans | 301.4085% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 6,623 |
| Noncurrent loans to loans | 0.1933% | 6,297 |
| Net loans and leases to total assets | 52.6815% | 4,921 |
| Net loans and leases to deposits | 59.2455% | 5,252 |
| Net loans and leases to core deposits | 60.8997% | 5,444 |
| Total domestic deposits to total assets | 88.9206% | 1,749 |
| Equity capital to assets | 10.8240% | 3,112 |
| Core capital (leverage) ratio | 10.6431% | 2,603 |
| Tier 1 risk-based capital ratio | 17.8934% | 2,335 |
| Total risk-based capital ratio | 18.4039% | 2,584 |
| Memoranda: | ||
| Average total assets | $70,279,500 | 5,760 |
| Average earning assets | $66,608,000 | 5,668 |
| Average equity | $7,456,000 | 5,751 |
| Average total loans | $36,994,000 | 5,777 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9597% | 3,071 |
| Cost of funding earning assets | 1.5223% | 659 |
| Net interest margin | 3.4374% | 5,375 |
| Noninterest income to average assets | 0.1305% | 6,504 |
| Noninterest expense to average assets | 2.3802% | 5,826 |
| Loan and lease loss provision to assets | 0.0116% | 6,391 |
| Net operating income to assets | 0.9500% | 2,408 |
| Return on assets (ROA) | 0.9500% | 2,534 |
| Pretax return on assets | 1.0008% | 3,244 |
| Return on Equity (ROE) | 8.8330% | 2,532 |
| Retained earnings to average equity (ytd only) | 2.3330% | 4,556 |
| Net charge-offs to loans | 0.0801% | 5,523 |
| Credit loss provision to net charge-offs | 27.5862% | 5,815 |
| Earnings coverage of net charge-offs (x) | 24.0690% | 1,001 |
| Efficiency ratio | 70.1582% | 3,912 |
| Assets per employee ($millions) | 4.7500% | 2,516 |
| Cash dividends to net income (ytd only)* | 73.5878% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5743% | 7,034 |
| Loan loss allowance to noncurrent loans | 334.3750% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 6,728 |
| Noncurrent loans to loans | 0.1718% | 6,405 |
| Net loans and leases to total assets | 51.9958% | 5,312 |
| Net loans and leases to deposits | 61.5931% | 5,294 |
| Net loans and leases to core deposits | 63.3499% | 5,531 |
| Total domestic deposits to total assets | 84.4182% | 4,129 |
| Equity capital to assets | 10.4000% | 3,655 |
| Core capital (leverage) ratio | 10.1503% | 3,167 |
| Tier 1 risk-based capital ratio | 17.3927% | 2,422 |
| Total risk-based capital ratio | 17.8950% | 2,717 |
| Memoranda: | ||
| Average total assets | $68,944,400 | 5,778 |
| Average earning assets | $65,427,200 | 5,686 |
| Average equity | $7,415,400 | 5,746 |
| Average total loans | $36,182,600 | 5,860 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9848% | 3,166 |
| Cost of funding earning assets | 1.5543% | 710 |
| Net interest margin | 3.4305% | 5,462 |
| Noninterest income to average assets | 0.1541% | 6,488 |
| Noninterest expense to average assets | 2.3656% | 5,865 |
| Loan and lease loss provision to assets | 0.0098% | 6,308 |
| Net operating income to assets | 0.9907% | 2,363 |
| Return on assets (ROA) | 0.9907% | 2,511 |
| Pretax return on assets | 1.0414% | 3,245 |
| Return on Equity (ROE) | 9.1323% | 2,543 |
| Retained earnings to average equity (ytd only) | 6.1302% | 2,474 |
| Net charge-offs to loans | 0.0965% | 5,017 |
| Credit loss provision to net charge-offs | 19.2308% | 5,571 |
| Earnings coverage of net charge-offs (x) | 20.7283% | 1,208 |
| Efficiency ratio | 69.2352% | 4,086 |
| Assets per employee ($millions) | 4.7647% | 2,534 |
| Cash dividends to net income (ytd only)* | 32.8737% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5990% | 7,083 |
| Loan loss allowance to noncurrent loans | 334.3750% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 6,834 |
| Noncurrent loans to loans | 0.1792% | 6,516 |
| Net loans and leases to total assets | 49.6845% | 5,747 |
| Net loans and leases to deposits | 55.7606% | 6,054 |
| Net loans and leases to core deposits | 56.9938% | 6,222 |
| Total domestic deposits to total assets | 89.1033% | 1,367 |
| Equity capital to assets | 10.6029% | 3,569 |
| Core capital (leverage) ratio | 10.7470% | 2,620 |
| Tier 1 risk-based capital ratio | 17.9306% | 2,282 |
| Total risk-based capital ratio | 18.4369% | 2,535 |
| Memoranda: | ||
| Average total assets | $68,368,000 | 5,830 |
| Average earning assets | $65,023,000 | 5,742 |
| Average equity | $7,416,750 | 5,779 |
| Average total loans | $35,913,000 | 5,925 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9716% | 3,303 |
| Cost of funding earning assets | 1.5959% | 704 |
| Net interest margin | 3.3757% | 5,623 |
| Noninterest income to average assets | 0.1901% | 6,306 |
| Noninterest expense to average assets | 2.3911% | 5,870 |
| Loan and lease loss provision to assets | 0.0149% | 6,097 |
| Net operating income to assets | 0.9505% | 2,434 |
| Return on assets (ROA) | 0.9505% | 2,527 |
| Pretax return on assets | 1.0010% | 3,238 |
| Return on Equity (ROE) | 8.6921% | 2,642 |
| Retained earnings to average equity (ytd only) | 6.1931% | 2,303 |
| Net charge-offs to loans | 0.1445% | 4,324 |
| Credit loss provision to net charge-offs | 19.2308% | 5,140 |
| Earnings coverage of net charge-offs (x) | 13.1538% | 1,573 |
| Efficiency ratio | 70.1831% | 4,080 |
| Assets per employee ($millions) | 4.4985% | 2,840 |
| Cash dividends to net income (ytd only)* | 28.7500% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6169% | 7,122 |
| Loan loss allowance to noncurrent loans | 334.3750% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 6,857 |
| Noncurrent loans to loans | 0.1845% | 6,535 |
| Net loans and leases to total assets | 51.0900% | 5,684 |
| Net loans and leases to deposits | 57.6479% | 5,973 |
| Net loans and leases to core deposits | 59.0015% | 6,190 |
| Total domestic deposits to total assets | 88.6243% | 1,771 |
| Equity capital to assets | 11.0630% | 2,892 |
| Core capital (leverage) ratio | 10.9644% | 2,280 |
| Tier 1 risk-based capital ratio | 18.5332% | 2,001 |
| Total risk-based capital ratio | 19.0645% | 2,185 |
| Memoranda: | ||
| Average total assets | $67,333,670 | 5,907 |
| Average earning assets | $64,164,330 | 5,821 |
| Average equity | $7,363,000 | 5,815 |
| Average total loans | $35,976,000 | 5,967 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8972% | 3,609 |
| Cost of funding earning assets | 1.6179% | 769 |
| Net interest margin | 3.2793% | 5,846 |
| Noninterest income to average assets | 0.1844% | 6,406 |
| Noninterest expense to average assets | 2.3490% | 6,052 |
| Loan and lease loss provision to assets | 0.0238% | 5,663 |
| Net operating income to assets | 0.8920% | 2,604 |
| Return on assets (ROA) | 0.8920% | 2,662 |
| Pretax return on assets | 0.9456% | 3,337 |
| Return on Equity (ROE) | 8.2057% | 2,828 |
| Retained earnings to average equity (ytd only) | 8.2057% | 1,663 |
| Net charge-offs to loans | 0.0437% | 4,504 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 40.7500% | 675 |
| Efficiency ratio | 70.7885% | 4,103 |
| Assets per employee ($millions) | 4.5454% | 2,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6804% | 7,098 |
| Loan loss allowance to noncurrent loans | 367.1875% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.0939% | 6,930 |
| Noncurrent loans to loans | 0.1853% | 6,597 |
| Net loans and leases to total assets | 50.3131% | 5,809 |
| Net loans and leases to deposits | 56.6259% | 6,072 |
| Net loans and leases to core deposits | 57.4337% | 6,312 |
| Total domestic deposits to total assets | 88.8517% | 1,867 |
| Equity capital to assets | 10.8344% | 2,849 |
| Core capital (leverage) ratio | 10.7765% | 2,378 |
| Tier 1 risk-based capital ratio | 18.6512% | 1,911 |
| Total risk-based capital ratio | 19.2446% | 2,085 |
| Memoranda: | ||
| Average total assets | $67,262,000 | 5,960 |
| Average earning assets | $64,282,000 | 5,851 |
| Average equity | $7,312,000 | 5,839 |
| Average total loans | $36,620,000 | 6,003 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5912% | 1,934 |
| Cost of funding earning assets | 1.8201% | 1,097 |
| Net interest margin | 3.7711% | 4,062 |
| Noninterest income to average assets | 0.1118% | 6,841 |
| Noninterest expense to average assets | 2.3732% | 6,158 |
| Loan and lease loss provision to assets | 0.0839% | 6,311 |
| Net operating income to assets | 1.1835% | 1,449 |
| Return on assets (ROA) | 1.1835% | 1,527 |
| Pretax return on assets | 1.2363% | 2,120 |
| Return on Equity (ROE) | 10.5228% | 1,752 |
| Retained earnings to average equity (ytd only) | 2.9000% | 3,827 |
| Net charge-offs to loans | 0.2066% | 5,051 |
| Credit loss provision to net charge-offs | 68.3544% | 5,910 |
| Earnings coverage of net charge-offs (x) | 10.7595% | 1,674 |
| Efficiency ratio | 64.2557% | 5,302 |
| Assets per employee ($millions) | 4.4229% | 2,984 |
| Cash dividends to net income (ytd only)* | 72.4409% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6072% | 7,253 |
| Loan loss allowance to noncurrent loans | 367.1875% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 6,991 |
| Noncurrent loans to loans | 0.1654% | 6,740 |
| Net loans and leases to total assets | 57.9805% | 5,027 |
| Net loans and leases to deposits | 67.8604% | 5,116 |
| Net loans and leases to core deposits | 68.2699% | 5,637 |
| Total domestic deposits to total assets | 85.4408% | 3,640 |
| Equity capital to assets | 10.9085% | 2,766 |
| Core capital (leverage) ratio | 10.4460% | 2,611 |
| Tier 1 risk-based capital ratio | 17.1477% | 2,297 |
| Total risk-based capital ratio | 17.7045% | 2,512 |
| Memoranda: | ||
| Average total assets | $64,386,200 | 6,053 |
| Average earning assets | $61,149,800 | 5,952 |
| Average equity | $7,241,400 | 5,948 |
| Average total loans | $38,232,200 | 5,999 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6959% | 1,729 |
| Cost of funding earning assets | 1.8422% | 1,250 |
| Net interest margin | 3.8538% | 3,737 |
| Noninterest income to average assets | 0.0876% | 7,097 |
| Noninterest expense to average assets | 2.3496% | 6,175 |
| Loan and lease loss provision to assets | 0.0626% | 6,438 |
| Net operating income to assets | 1.2770% | 1,390 |
| Return on assets (ROA) | 1.2770% | 1,476 |
| Pretax return on assets | 1.3292% | 2,093 |
| Return on Equity (ROE) | 11.2666% | 1,703 |
| Retained earnings to average equity (ytd only) | 7.0876% | 1,799 |
| Net charge-offs to loans | 0.1959% | 4,770 |
| Credit loss provision to net charge-offs | 53.5714% | 5,835 |
| Earnings coverage of net charge-offs (x) | 11.9115% | 1,743 |
| Efficiency ratio | 62.7998% | 5,468 |
| Assets per employee ($millions) | 4.3596% | 3,148 |
| Cash dividends to net income (ytd only)* | 37.0916% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6218% | 7,321 |
| Loan loss allowance to noncurrent loans | 365.6250% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 7,113 |
| Noncurrent loans to loans | 0.1701% | 6,841 |
| Net loans and leases to total assets | 57.1857% | 5,382 |
| Net loans and leases to deposits | 64.7651% | 5,812 |
| Net loans and leases to core deposits | 65.7235% | 6,149 |
| Total domestic deposits to total assets | 88.2971% | 1,797 |
| Equity capital to assets | 11.3344% | 2,672 |
| Core capital (leverage) ratio | 11.4256% | 1,987 |
| Tier 1 risk-based capital ratio | 17.7827% | 2,083 |
| Total risk-based capital ratio | 18.3441% | 2,268 |
| Memoranda: | ||
| Average total assets | $63,897,000 | 6,136 |
| Average earning assets | $60,579,750 | 6,046 |
| Average equity | $7,242,500 | 6,030 |
| Average total loans | $38,115,000 | 6,092 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7802% | 1,479 |
| Cost of funding earning assets | 1.8337% | 1,515 |
| Net interest margin | 3.9465% | 3,250 |
| Noninterest income to average assets | 0.0852% | 7,155 |
| Noninterest expense to average assets | 2.4133% | 6,033 |
| Loan and lease loss provision to assets | 0.0946% | 5,965 |
| Net operating income to assets | 1.2745% | 1,376 |
| Return on assets (ROA) | 1.2745% | 1,434 |
| Pretax return on assets | 1.3250% | 2,017 |
| Return on Equity (ROE) | 11.2441% | 1,672 |
| Retained earnings to average equity (ytd only) | 7.2920% | 1,718 |
| Net charge-offs to loans | 0.2247% | 4,254 |
| Credit loss provision to net charge-offs | 69.7674% | 4,969 |
| Earnings coverage of net charge-offs (x) | 10.4651% | 1,885 |
| Efficiency ratio | 62.9630% | 5,527 |
| Assets per employee ($millions) | 4.2071% | 3,375 |
| Cash dividends to net income (ytd only)* | 35.1485% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6480% | 7,340 |
| Loan loss allowance to noncurrent loans | 380.0000% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 7,138 |
| Noncurrent loans to loans | 0.1705% | 6,916 |
| Net loans and leases to total assets | 60.0117% | 5,056 |
| Net loans and leases to deposits | 68.1403% | 5,546 |
| Net loans and leases to core deposits | 68.5597% | 6,013 |
| Total domestic deposits to total assets | 88.0709% | 1,961 |
| Equity capital to assets | 11.5504% | 2,401 |
| Core capital (leverage) ratio | 11.4434% | 1,941 |
| Tier 1 risk-based capital ratio | 17.5991% | 2,077 |
| Total risk-based capital ratio | 18.1954% | 2,256 |
| Memoranda: | ||
| Average total assets | $63,398,000 | 6,198 |
| Average earning assets | $60,205,670 | 6,096 |
| Average equity | $7,186,000 | 6,076 |
| Average total loans | $38,276,670 | 6,124 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7426% | 1,633 |
| Cost of funding earning assets | 1.8922% | 1,483 |
| Net interest margin | 3.8505% | 3,569 |
| Noninterest income to average assets | 0.0881% | 7,268 |
| Noninterest expense to average assets | 2.3480% | 6,255 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3534% | 1,178 |
| Return on assets (ROA) | 1.3534% | 1,244 |
| Pretax return on assets | 1.4038% | 1,768 |
| Return on Equity (ROE) | 12.0541% | 1,488 |
| Retained earnings to average equity (ytd only) | 12.0541% | 740 |
| Net charge-offs to loans | 0.1356% | 4,135 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 17.1538% | 1,299 |
| Efficiency ratio | 62.5839% | 5,725 |
| Assets per employee ($millions) | 4.1944% | 3,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6604% | 7,414 |
| Loan loss allowance to noncurrent loans | 385.9375% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 7,230 |
| Noncurrent loans to loans | 0.1711% | 6,993 |
| Net loans and leases to total assets | 59.0581% | 5,280 |
| Net loans and leases to deposits | 67.0244% | 5,709 |
| Net loans and leases to core deposits | 67.4380% | 6,158 |
| Total domestic deposits to total assets | 88.1143% | 1,997 |
| Equity capital to assets | 11.5106% | 2,354 |
| Core capital (leverage) ratio | 11.1811% | 2,108 |
| Tier 1 risk-based capital ratio | 17.7700% | 2,001 |
| Total risk-based capital ratio | 18.3761% | 2,181 |
| Memoranda: | ||
| Average total assets | $63,544,000 | 6,258 |
| Average earning assets | $60,460,000 | 6,152 |
| Average equity | $7,134,500 | 6,140 |
| Average total loans | $38,356,000 | 6,197 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1902% | 1,256 |
| Cost of funding earning assets | 2.2933% | 1,687 |
| Net interest margin | 3.8969% | 3,283 |
| Noninterest income to average assets | 0.0845% | 7,334 |
| Noninterest expense to average assets | 2.4687% | 6,242 |
| Loan and lease loss provision to assets | 0.0494% | 7,069 |
| Net operating income to assets | 1.2041% | 1,235 |
| Return on assets (ROA) | 1.2041% | 1,284 |
| Pretax return on assets | 1.2519% | 1,824 |
| Return on Equity (ROE) | 10.7685% | 1,483 |
| Retained earnings to average equity (ytd only) | 3.1949% | 2,922 |
| Net charge-offs to loans | 0.0555% | 6,548 |
| Credit loss provision to net charge-offs | 147.6190% | 3,177 |
| Earnings coverage of net charge-offs (x) | 38.8571% | 613 |
| Efficiency ratio | 65.4822% | 5,490 |
| Assets per employee ($millions) | 4.2781% | 3,307 |
| Cash dividends to net income (ytd only)* | 70.3311% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6614% | 7,454 |
| Loan loss allowance to noncurrent loans | 388.0597% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.1044% | 7,231 |
| Noncurrent loans to loans | 0.1704% | 6,999 |
| Net loans and leases to total assets | 60.8490% | 5,213 |
| Net loans and leases to deposits | 68.6317% | 5,760 |
| Net loans and leases to core deposits | 84.3406% | 5,684 |
| Total domestic deposits to total assets | 88.6602% | 1,653 |
| Equity capital to assets | 10.9503% | 2,741 |
| Core capital (leverage) ratio | 10.7013% | 2,430 |
| Tier 1 risk-based capital ratio | 16.5927% | 2,276 |
| Total risk-based capital ratio | 17.2066% | 2,471 |
| Memoranda: | ||
| Average total assets | $62,703,800 | 6,248 |
| Average earning assets | $59,303,400 | 6,148 |
| Average equity | $7,011,200 | 6,265 |
| Average total loans | $37,866,800 | 6,205 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2563% | 1,223 |
| Cost of funding earning assets | 2.3866% | 1,679 |
| Net interest margin | 3.8697% | 3,346 |
| Noninterest income to average assets | 0.0834% | 7,485 |
| Noninterest expense to average assets | 2.4447% | 6,267 |
| Loan and lease loss provision to assets | 0.0578% | 6,784 |
| Net operating income to assets | 1.1892% | 1,494 |
| Return on assets (ROA) | 1.1892% | 1,549 |
| Pretax return on assets | 1.2363% | 2,144 |
| Return on Equity (ROE) | 10.5792% | 1,742 |
| Retained earnings to average equity (ytd only) | 6.6597% | 1,647 |
| Net charge-offs to loans | 0.0960% | 5,716 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 22.4069% | 1,158 |
| Efficiency ratio | 65.3890% | 5,479 |
| Assets per employee ($millions) | 4.2564% | 3,278 |
| Cash dividends to net income (ytd only)* | 37.0506% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6801% | 7,415 |
| Loan loss allowance to noncurrent loans | 373.1343% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 7,288 |
| Noncurrent loans to loans | 0.1823% | 7,037 |
| Net loans and leases to total assets | 57.1860% | 6,013 |
| Net loans and leases to deposits | 64.7324% | 6,426 |
| Net loans and leases to core deposits | 81.4741% | 6,235 |
| Total domestic deposits to total assets | 88.3423% | 1,498 |
| Equity capital to assets | 11.2035% | 2,832 |
| Core capital (leverage) ratio | 11.1739% | 2,283 |
| Tier 1 risk-based capital ratio | 17.5568% | 2,109 |
| Total risk-based capital ratio | 18.1704% | 2,251 |
| Memoranda: | ||
| Average total assets | $62,336,750 | 6,303 |
| Average earning assets | $58,883,500 | 6,221 |
| Average equity | $7,007,250 | 6,314 |
| Average total loans | $37,506,500 | 6,260 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2990% | 1,209 |
| Cost of funding earning assets | 2.4111% | 1,923 |
| Net interest margin | 3.8878% | 3,166 |
| Noninterest income to average assets | 0.0776% | 7,596 |
| Noninterest expense to average assets | 2.4485% | 6,301 |
| Loan and lease loss provision to assets | 0.0485% | 6,749 |
| Net operating income to assets | 1.2162% | 1,436 |
| Return on assets (ROA) | 1.2162% | 1,513 |
| Pretax return on assets | 1.2679% | 2,109 |
| Return on Equity (ROE) | 10.8067% | 1,758 |
| Retained earnings to average equity (ytd only) | 7.2428% | 1,492 |
| Net charge-offs to loans | 0.0795% | 5,413 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 27.1333% | 1,063 |
| Efficiency ratio | 65.0344% | 5,714 |
| Assets per employee ($millions) | 4.2003% | 3,299 |
| Cash dividends to net income (ytd only)* | 32.9787% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6641% | 7,503 |
| Loan loss allowance to noncurrent loans | 367.6471% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.1079% | 7,298 |
| Noncurrent loans to loans | 0.1806% | 7,069 |
| Net loans and leases to total assets | 59.3508% | 5,785 |
| Net loans and leases to deposits | 67.2143% | 6,272 |
| Net loans and leases to core deposits | 84.1317% | 6,081 |
| Total domestic deposits to total assets | 88.3009% | 1,625 |
| Equity capital to assets | 11.1975% | 2,753 |
| Core capital (leverage) ratio | 11.2064% | 2,259 |
| Tier 1 risk-based capital ratio | 17.1080% | 2,271 |
| Total risk-based capital ratio | 17.7142% | 2,402 |
| Memoranda: | ||
| Average total assets | $61,833,670 | 6,379 |
| Average earning assets | $58,644,330 | 6,283 |
| Average equity | $6,958,670 | 6,386 |
| Average total loans | $37,755,000 | 6,306 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4230% | 1,014 |
| Cost of funding earning assets | 2.5127% | 1,872 |
| Net interest margin | 3.9102% | 3,007 |
| Noninterest income to average assets | 0.0980% | 7,553 |
| Noninterest expense to average assets | 2.3511% | 6,366 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4041% | 1,130 |
| Return on assets (ROA) | 1.4041% | 1,217 |
| Pretax return on assets | 1.4564% | 1,799 |
| Return on Equity (ROE) | 12.4448% | 1,533 |
| Retained earnings to average equity (ytd only) | 12.4448% | 724 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7496% | 6,103 |
| Assets per employee ($millions) | 4.0830% | 3,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6630% | 7,541 |
| Loan loss allowance to noncurrent loans | 337.8378% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.1208% | 7,225 |
| Noncurrent loans to loans | 0.1963% | 6,971 |
| Net loans and leases to total assets | 61.1560% | 5,476 |
| Net loans and leases to deposits | 69.4524% | 6,031 |
| Net loans and leases to core deposits | 87.1350% | 5,825 |
| Total domestic deposits to total assets | 88.0545% | 1,725 |
| Equity capital to assets | 11.4589% | 2,616 |
| Core capital (leverage) ratio | 11.6031% | 2,090 |
| Tier 1 risk-based capital ratio | 17.2891% | 2,247 |
| Total risk-based capital ratio | 17.9050% | 2,387 |
| Memoranda: | ||
| Average total assets | $61,248,000 | 6,428 |
| Average earning assets | $58,104,000 | 6,334 |
| Average equity | $6,910,500 | 6,442 |
| Average total loans | $37,810,500 | 6,342 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5381% | 2,768 |
| Cost of funding earning assets | 2.9963% | 1,877 |
| Net interest margin | 3.5418% | 5,137 |
| Noninterest income to average assets | 0.3492% | 5,941 |
| Noninterest expense to average assets | 2.3246% | 6,631 |
| Loan and lease loss provision to assets | 0.0815% | 6,369 |
| Net operating income to assets | 1.1972% | 1,777 |
| Return on assets (ROA) | 1.1972% | 1,709 |
| Pretax return on assets | 1.2471% | 2,490 |
| Return on Equity (ROE) | 10.5954% | 2,053 |
| Retained earnings to average equity (ytd only) | 2.5458% | 3,618 |
| Net charge-offs to loans | 0.2502% | 3,771 |
| Credit loss provision to net charge-offs | 55.0562% | 6,290 |
| Earnings coverage of net charge-offs (x) | 8.9775% | 2,782 |
| Efficiency ratio | 63.6322% | 5,638 |
| Assets per employee ($millions) | 4.0834% | 3,336 |
| Cash dividends to net income (ytd only)* | 75.9722% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6594% | 7,531 |
| Loan loss allowance to noncurrent loans | 333.3333% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.1224% | 7,092 |
| Noncurrent loans to loans | 0.1978% | 6,797 |
| Net loans and leases to total assets | 61.4945% | 5,699 |
| Net loans and leases to deposits | 70.9087% | 6,181 |
| Net loans and leases to core deposits | 87.6851% | 5,999 |
| Total domestic deposits to total assets | 86.7235% | 2,081 |
| Equity capital to assets | 11.1068% | 2,957 |
| Core capital (leverage) ratio | 11.0557% | 2,548 |
| Tier 1 risk-based capital ratio | 16.7731% | 2,394 |
| Total risk-based capital ratio | 17.3895% | 2,546 |
| Memoranda: | ||
| Average total assets | $60,140,600 | 6,379 |
| Average earning assets | $56,101,600 | 6,333 |
| Average equity | $6,795,400 | 6,525 |
| Average total loans | $35,571,000 | 6,386 |