Home > Anderson State Bank > Performance and Condition Ratios
Anderson 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 | 3.0965% | 4,503 |
| Cost of funding earning assets | 0.7759% | 3,798 |
| Net interest margin | 2.3206% | 4,246 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.4152% | 4,382 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9503% | 2,364 |
| Return on assets (ROA) | 0.9541% | 2,345 |
| Pretax return on assets | 0.9541% | 2,803 |
| Return on Equity (ROE) | 8.0300% | 3,015 |
| Retained earnings to average equity (ytd only) | 6.2806% | 2,141 |
| Net charge-offs to loans | 0.0067% | 2,435 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 507.5000% | 289 |
| Efficiency ratio | 59.8020% | 3,100 |
| Assets per employee ($millions) | 13.4505% | 291 |
| Cash dividends to net income (ytd only)* | 21.8075% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7260% | 4,083 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 30.7500% | 4,276 |
| Net loans and leases to deposits | 35.2767% | 4,281 |
| Net loans and leases to core deposits | 36.9438% | 4,330 |
| Total domestic deposits to total assets | 87.1800% | 1,617 |
| Equity capital to assets | 12.7616% | 919 |
| Core capital (leverage) ratio | 14.8173% | 650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $106,697,600 | 3,766 |
| Average earning assets | $99,757,600 | 3,748 |
| Average equity | $12,674,000 | 3,467 |
| Average total loans | $29,796,600 | 4,140 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0326% | 4,522 |
| Cost of funding earning assets | 0.7202% | 3,720 |
| Net interest margin | 2.3124% | 4,300 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 1.4126% | 4,386 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9580% | 2,490 |
| Return on assets (ROA) | 0.9617% | 2,469 |
| Pretax return on assets | 0.9617% | 2,952 |
| Return on Equity (ROE) | 8.2500% | 3,117 |
| Retained earnings to average equity (ytd only) | 8.2304% | 1,877 |
| Net charge-offs to loans | 0.0323% | 1,434 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 109.2857% | 883 |
| Efficiency ratio | 59.5880% | 3,012 |
| Assets per employee ($millions) | 13.5204% | 270 |
| Cash dividends to net income (ytd only)* | 0.2604% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7935% | 3,996 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 27.3900% | 4,355 |
| Net loans and leases to deposits | 30.9902% | 4,368 |
| Net loans and leases to core deposits | 32.3408% | 4,364 |
| Total domestic deposits to total assets | 88.4000% | 1,445 |
| Equity capital to assets | 11.4217% | 1,209 |
| Core capital (leverage) ratio | 14.9742% | 627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $106,470,500 | 3,786 |
| Average earning assets | $99,230,250 | 3,768 |
| Average equity | $12,409,000 | 3,486 |
| Average total loans | $28,912,500 | 4,175 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9660% | 4,554 |
| Cost of funding earning assets | 0.6517% | 3,623 |
| Net interest margin | 2.3143% | 4,355 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 1.3654% | 4,440 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0273% | 2,330 |
| Return on assets (ROA) | 1.0311% | 2,313 |
| Pretax return on assets | 1.0311% | 2,826 |
| Return on Equity (ROE) | 8.7900% | 3,035 |
| Retained earnings to average equity (ytd only) | 8.7549% | 1,748 |
| Net charge-offs to loans | 0.0490% | 1,024 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 77.7143% | 1,066 |
| Efficiency ratio | 57.0639% | 3,297 |
| Assets per employee ($millions) | 13.2631% | 284 |
| Cash dividends to net income (ytd only)* | 0.3663% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8283% | 3,952 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 26.7400% | 4,382 |
| Net loans and leases to deposits | 30.4167% | 4,393 |
| Net loans and leases to core deposits | 31.5591% | 4,388 |
| Total domestic deposits to total assets | 87.9300% | 1,631 |
| Equity capital to assets | 11.9231% | 1,072 |
| Core capital (leverage) ratio | 14.5791% | 654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $105,906,333 | 3,803 |
| Average earning assets | $98,516,333 | 3,792 |
| Average equity | $12,427,333 | 3,496 |
| Average total loans | $28,594,333 | 4,191 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8951% | 4,580 |
| Cost of funding earning assets | 0.5709% | 3,471 |
| Net interest margin | 2.3242% | 4,435 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 1.3269% | 4,521 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1606% | 2,041 |
| Return on assets (ROA) | 1.1644% | 2,000 |
| Pretax return on assets | 1.1644% | 2,528 |
| Return on Equity (ROE) | 10.0000% | 2,785 |
| Retained earnings to average equity (ytd only) | 9.9387% | 1,717 |
| Net charge-offs to loans | 0.0140% | 1,432 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 307.0000% | 363 |
| Efficiency ratio | 53.3435% | 3,667 |
| Assets per employee ($millions) | 12.1239% | 380 |
| Cash dividends to net income (ytd only)* | 0.6494% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8640% | 3,953 |
| Loan loss allowance to noncurrent loans | 4,050.0000% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 3,842 |
| Noncurrent loans to loans | 0.0213% | 3,623 |
| Net loans and leases to total assets | 25.5500% | 4,459 |
| Net loans and leases to deposits | 28.9874% | 4,463 |
| Net loans and leases to core deposits | 29.8626% | 4,462 |
| Total domestic deposits to total assets | 88.1500% | 1,875 |
| Equity capital to assets | 11.7546% | 1,070 |
| Core capital (leverage) ratio | 14.3356% | 682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $105,807,000 | 3,858 |
| Average earning assets | $98,786,000 | 3,837 |
| Average equity | $12,315,500 | 3,545 |
| Average total loans | $28,584,500 | 4,249 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3523% | 4,548 |
| Cost of funding earning assets | 0.3057% | 2,827 |
| Net interest margin | 2.0467% | 4,544 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 1.3820% | 4,519 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6667% | 3,715 |
| Return on assets (ROA) | 0.6677% | 3,662 |
| Pretax return on assets | 0.6677% | 3,914 |
| Return on Equity (ROE) | 5.5700% | 3,916 |
| Retained earnings to average equity (ytd only) | 3.9626% | 3,410 |
| Net charge-offs to loans | 0.0283% | 1,495 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 87.6250% | 1,035 |
| Efficiency ratio | 67.4559% | 2,026 |
| Assets per employee ($millions) | 11.3888% | 461 |
| Cash dividends to net income (ytd only)* | 28.9174% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8401% | 3,943 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 28.1000% | 4,434 |
| Net loans and leases to deposits | 31.7642% | 4,437 |
| Net loans and leases to core deposits | 32.5236% | 4,441 |
| Total domestic deposits to total assets | 88.4500% | 1,914 |
| Equity capital to assets | 11.5172% | 1,081 |
| Core capital (leverage) ratio | 14.3047% | 680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $105,137,600 | 3,883 |
| Average earning assets | $96,840,000 | 3,867 |
| Average equity | $12,592,800 | 3,611 |
| Average total loans | $28,251,600 | 4,267 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2387% | 4,558 |
| Cost of funding earning assets | 0.2329% | 2,897 |
| Net interest margin | 2.0058% | 4,547 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.3611% | 4,541 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6490% | 3,699 |
| Return on assets (ROA) | 0.6478% | 3,658 |
| Pretax return on assets | 0.6478% | 3,902 |
| Return on Equity (ROE) | 5.3600% | 3,911 |
| Retained earnings to average equity (ytd only) | 4.7016% | 3,197 |
| Net charge-offs to loans | 0.0428% | 1,063 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 57.2222% | 1,201 |
| Efficiency ratio | 67.7116% | 2,066 |
| Assets per employee ($millions) | 11.7169% | 416 |
| Cash dividends to net income (ytd only)* | 12.2568% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8685% | 3,945 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 26.3000% | 4,501 |
| Net loans and leases to deposits | 29.4142% | 4,507 |
| Net loans and leases to core deposits | 30.0995% | 4,509 |
| Total domestic deposits to total assets | 89.4200% | 1,910 |
| Equity capital to assets | 10.4161% | 1,412 |
| Core capital (leverage) ratio | 14.0055% | 684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $105,797,250 | 3,899 |
| Average earning assets | $97,317,250 | 3,887 |
| Average equity | $12,789,750 | 3,633 |
| Average total loans | $28,053,750 | 4,301 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1302% | 4,593 |
| Cost of funding earning assets | 0.1944% | 2,985 |
| Net interest margin | 1.9358% | 4,584 |
| Noninterest income to average assets | 0.1681% | 4,172 |
| Noninterest expense to average assets | 1.3464% | 4,565 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6081% | 3,605 |
| Return on assets (ROA) | 0.6081% | 3,550 |
| Pretax return on assets | 0.6081% | 3,799 |
| Return on Equity (ROE) | 4.8090% | 3,854 |
| Retained earnings to average equity (ytd only) | 3.8681% | 3,133 |
| Net charge-offs to loans | 0.0071% | 1,736 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 322.0000% | 379 |
| Efficiency ratio | 68.8889% | 2,116 |
| Assets per employee ($millions) | 11.8270% | 398 |
| Cash dividends to net income (ytd only)* | 19.5652% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8941% | 3,969 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 26.1370% | 4,556 |
| Net loans and leases to deposits | 29.5764% | 4,554 |
| Net loans and leases to core deposits | 30.3524% | 4,558 |
| Total domestic deposits to total assets | 88.3712% | 2,433 |
| Equity capital to assets | 11.5057% | 1,032 |
| Core capital (leverage) ratio | 14.2950% | 576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.3851% | 113 |
| Memoranda: | ||
| Average total assets | $105,912,333 | 3,937 |
| Average earning assets | $97,736,667 | 3,934 |
| Average equity | $13,391,667 | 3,646 |
| Average total loans | $28,078,333 | 4,355 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0502% | 4,605 |
| Cost of funding earning assets | 0.1590% | 3,391 |
| Net interest margin | 1.8912% | 4,583 |
| Noninterest income to average assets | 0.1704% | 4,147 |
| Noninterest expense to average assets | 1.3214% | 4,604 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6058% | 3,377 |
| Return on assets (ROA) | 0.6058% | 3,358 |
| Pretax return on assets | 0.6058% | 3,618 |
| Return on Equity (ROE) | 4.5832% | 3,735 |
| Retained earnings to average equity (ytd only) | 2.7786% | 3,341 |
| Net charge-offs to loans | 0.0285% | 1,033 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 745 |
| Efficiency ratio | 68.5658% | 2,434 |
| Assets per employee ($millions) | 12.0022% | 398 |
| Cash dividends to net income (ytd only)* | 39.3750% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 3,989 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 25.0278% | 4,595 |
| Net loans and leases to deposits | 28.4468% | 4,587 |
| Net loans and leases to core deposits | 29.1844% | 4,595 |
| Total domestic deposits to total assets | 87.9809% | 2,532 |
| Equity capital to assets | 11.9496% | 974 |
| Core capital (leverage) ratio | 13.8910% | 597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.6450% | 101 |
| Memoranda: | ||
| Average total assets | $105,647,000 | 3,963 |
| Average earning assets | $98,137,000 | 3,945 |
| Average equity | $13,964,000 | 3,662 |
| Average total loans | $28,081,500 | 4,371 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4447% | 4,522 |
| Cost of funding earning assets | 0.1788% | 3,675 |
| Net interest margin | 2.2660% | 4,441 |
| Noninterest income to average assets | 0.1663% | 4,327 |
| Noninterest expense to average assets | 1.3012% | 4,674 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9851% | 2,736 |
| Return on assets (ROA) | 0.9851% | 2,804 |
| Pretax return on assets | 0.9851% | 3,302 |
| Return on Equity (ROE) | 6.7158% | 3,597 |
| Retained earnings to average equity (ytd only) | 4.8902% | 2,828 |
| Net charge-offs to loans | -0.0139% | 3,846 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9133% | 3,590 |
| Assets per employee ($millions) | 12.9093% | 323 |
| Cash dividends to net income (ytd only)* | 27.1835% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8727% | 4,131 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 27.7175% | 4,574 |
| Net loans and leases to deposits | 32.4440% | 4,569 |
| Net loans and leases to core deposits | 33.3516% | 4,574 |
| Total domestic deposits to total assets | 85.4320% | 3,117 |
| Equity capital to assets | 14.5438% | 567 |
| Core capital (leverage) ratio | 14.3610% | 562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.8334% | 114 |
| Memoranda: | ||
| Average total assets | $103,446,400 | 3,959 |
| Average earning assets | $96,780,400 | 3,944 |
| Average equity | $15,173,200 | 3,617 |
| Average total loans | $28,772,800 | 4,401 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0332% | 3,942 |
| Cost of funding earning assets | 0.1803% | 3,820 |
| Net interest margin | 2.8529% | 3,648 |
| Noninterest income to average assets | 0.1636% | 4,385 |
| Noninterest expense to average assets | 1.8101% | 4,143 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0242% | 2,820 |
| Return on assets (ROA) | 1.0242% | 2,887 |
| Pretax return on assets | 1.0242% | 3,385 |
| Return on Equity (ROE) | 6.9682% | 3,671 |
| Retained earnings to average equity (ytd only) | 6.9419% | 2,443 |
| Net charge-offs to loans | 0.0093% | 1,976 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 397.5000% | 354 |
| Efficiency ratio | 63.8636% | 2,406 |
| Assets per employee ($millions) | 13.1514% | 294 |
| Cash dividends to net income (ytd only)* | 0.3774% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8557% | 4,259 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 27.0922% | 4,676 |
| Net loans and leases to deposits | 31.8036% | 4,676 |
| Net loans and leases to core deposits | 32.6914% | 4,681 |
| Total domestic deposits to total assets | 85.1860% | 3,052 |
| Equity capital to assets | 14.6487% | 607 |
| Core capital (leverage) ratio | 14.3189% | 585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.6239% | 109 |
| Memoranda: | ||
| Average total assets | $103,489,500 | 4,013 |
| Average earning assets | $96,881,500 | 3,990 |
| Average equity | $15,211,500 | 3,657 |
| Average total loans | $28,746,750 | 4,459 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1830% | 3,705 |
| Cost of funding earning assets | 0.1847% | 3,905 |
| Net interest margin | 2.9983% | 3,332 |
| Noninterest income to average assets | 0.1632% | 4,382 |
| Noninterest expense to average assets | 1.8248% | 4,130 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1466% | 2,383 |
| Return on assets (ROA) | 1.1466% | 2,441 |
| Pretax return on assets | 1.1466% | 3,070 |
| Return on Equity (ROE) | 7.7915% | 3,460 |
| Retained earnings to average equity (ytd only) | 7.7519% | 2,169 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4127% | 2,810 |
| Assets per employee ($millions) | 13.1545% | 276 |
| Cash dividends to net income (ytd only)* | 0.5085% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8521% | 4,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 27.4203% | 4,718 |
| Net loans and leases to deposits | 32.1283% | 4,723 |
| Net loans and leases to core deposits | 33.0221% | 4,729 |
| Total domestic deposits to total assets | 85.3463% | 2,964 |
| Equity capital to assets | 14.5207% | 611 |
| Core capital (leverage) ratio | 14.0044% | 627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.0236% | 113 |
| Memoranda: | ||
| Average total assets | $102,915,667 | 4,041 |
| Average earning assets | $96,388,333 | 4,013 |
| Average equity | $15,144,667 | 3,667 |
| Average total loans | $28,745,667 | 4,490 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7375% | 4,443 |
| Cost of funding earning assets | 0.1982% | 3,927 |
| Net interest margin | 2.5392% | 4,246 |
| Noninterest income to average assets | 0.7272% | 1,779 |
| Noninterest expense to average assets | 1.7414% | 4,302 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3523% | 1,677 |
| Return on assets (ROA) | 1.3523% | 1,767 |
| Pretax return on assets | 1.3523% | 2,423 |
| Return on Equity (ROE) | 9.1268% | 2,990 |
| Retained earnings to average equity (ytd only) | 9.0472% | 1,943 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2897% | 3,515 |
| Assets per employee ($millions) | 13.4711% | 256 |
| Cash dividends to net income (ytd only)* | 0.8721% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8685% | 4,250 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 26.2673% | 4,783 |
| Net loans and leases to deposits | 30.5718% | 4,786 |
| Net loans and leases to core deposits | 31.3954% | 4,795 |
| Total domestic deposits to total assets | 85.9199% | 2,764 |
| Equity capital to assets | 13.9910% | 676 |
| Core capital (leverage) ratio | 14.3840% | 588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.4419% | 115 |
| Memoranda: | ||
| Average total assets | $101,755,500 | 4,051 |
| Average earning assets | $94,832,500 | 4,040 |
| Average equity | $15,076,500 | 3,676 |
| Average total loans | $28,566,500 | 4,522 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9410% | 4,679 |
| Cost of funding earning assets | 0.3494% | 3,874 |
| Net interest margin | 2.5916% | 4,510 |
| Noninterest income to average assets | 0.2430% | 4,035 |
| Noninterest expense to average assets | 1.5158% | 4,768 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.1191% | 1,843 |
| Return on assets (ROA) | 1.1191% | 1,963 |
| Pretax return on assets | 1.1191% | 2,623 |
| Return on Equity (ROE) | 7.1136% | 3,165 |
| Retained earnings to average equity (ytd only) | 5.0431% | 2,256 |
| Net charge-offs to loans | -0.0103% | 4,264 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5275% | 3,789 |
| Assets per employee ($millions) | 11.9678% | 321 |
| Cash dividends to net income (ytd only)* | 29.1066% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8643% | 4,286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 29.5899% | 4,759 |
| Net loans and leases to deposits | 35.1437% | 4,760 |
| Net loans and leases to core deposits | 36.2346% | 4,773 |
| Total domestic deposits to total assets | 84.1971% | 3,051 |
| Equity capital to assets | 15.7454% | 457 |
| Core capital (leverage) ratio | 14.5740% | 571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.4141% | 127 |
| Memoranda: | ||
| Average total assets | $93,022,600 | 4,080 |
| Average earning assets | $85,854,200 | 4,077 |
| Average equity | $14,634,000 | 3,681 |
| Average total loans | $29,246,400 | 4,531 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9733% | 4,752 |
| Cost of funding earning assets | 0.3814% | 3,908 |
| Net interest margin | 2.5918% | 4,577 |
| Noninterest income to average assets | 0.2599% | 3,920 |
| Noninterest expense to average assets | 1.5363% | 4,778 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1175% | 1,924 |
| Return on assets (ROA) | 1.1175% | 2,041 |
| Pretax return on assets | 1.1175% | 2,684 |
| Return on Equity (ROE) | 7.1054% | 3,151 |
| Retained earnings to average equity (ytd only) | 7.0779% | 1,656 |
| Net charge-offs to loans | -0.0045% | 4,034 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8890% | 3,679 |
| Assets per employee ($millions) | 12.1726% | 312 |
| Cash dividends to net income (ytd only)* | 0.3876% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8560% | 4,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 29.3774% | 4,839 |
| Net loans and leases to deposits | 34.8746% | 4,843 |
| Net loans and leases to core deposits | 35.9514% | 4,846 |
| Total domestic deposits to total assets | 84.2372% | 2,737 |
| Equity capital to assets | 15.5462% | 534 |
| Core capital (leverage) ratio | 14.9886% | 546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.9127% | 137 |
| Memoranda: | ||
| Average total assets | $92,342,750 | 4,088 |
| Average earning assets | $85,291,250 | 4,095 |
| Average equity | $14,523,750 | 3,697 |
| Average total loans | $29,413,750 | 4,553 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0103% | 4,837 |
| Cost of funding earning assets | 0.4266% | 3,916 |
| Net interest margin | 2.5837% | 4,669 |
| Noninterest income to average assets | 0.2846% | 3,758 |
| Noninterest expense to average assets | 1.4670% | 4,872 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1956% | 1,653 |
| Return on assets (ROA) | 1.1956% | 1,780 |
| Pretax return on assets | 1.1956% | 2,376 |
| Return on Equity (ROE) | 7.5705% | 2,907 |
| Retained earnings to average equity (ytd only) | 7.5286% | 1,452 |
| Net charge-offs to loans | -0.0068% | 4,096 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0953% | 4,052 |
| Assets per employee ($millions) | 11.8101% | 328 |
| Cash dividends to net income (ytd only)* | 0.5535% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8125% | 4,314 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 31.9133% | 4,818 |
| Net loans and leases to deposits | 37.9643% | 4,836 |
| Net loans and leases to core deposits | 39.1732% | 4,836 |
| Total domestic deposits to total assets | 84.0613% | 2,731 |
| Equity capital to assets | 15.7492% | 501 |
| Core capital (leverage) ratio | 15.3690% | 517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.3100% | 137 |
| Memoranda: | ||
| Average total assets | $90,663,333 | 4,121 |
| Average earning assets | $83,447,000 | 4,120 |
| Average equity | $14,318,667 | 3,724 |
| Average total loans | $29,600,000 | 4,571 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0951% | 4,915 |
| Cost of funding earning assets | 0.5289% | 3,798 |
| Net interest margin | 2.5662% | 4,777 |
| Noninterest income to average assets | 0.1758% | 4,490 |
| Noninterest expense to average assets | 1.5143% | 4,908 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0231% | 2,104 |
| Return on assets (ROA) | 1.0231% | 2,203 |
| Pretax return on assets | 1.0231% | 2,767 |
| Return on Equity (ROE) | 6.4682% | 3,141 |
| Retained earnings to average equity (ytd only) | 6.4682% | 1,722 |
| Net charge-offs to loans | -0.0137% | 4,190 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6803% | 3,784 |
| Assets per employee ($millions) | 11.3858% | 272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8354% | 4,315 |
| Loan loss allowance to noncurrent loans | 372.7273% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 4,238 |
| Noncurrent loans to loans | 0.2241% | 3,680 |
| Net loans and leases to total assets | 32.0576% | 4,864 |
| Net loans and leases to deposits | 38.0868% | 4,867 |
| Net loans and leases to core deposits | 39.2099% | 4,886 |
| Total domestic deposits to total assets | 84.1699% | 2,723 |
| Equity capital to assets | 15.6874% | 635 |
| Core capital (leverage) ratio | 15.3630% | 622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.7119% | 200 |
| Memoranda: | ||
| Average total assets | $88,754,000 | 4,144 |
| Average earning assets | $81,677,000 | 4,144 |
| Average equity | $14,038,000 | 3,767 |
| Average total loans | $29,200,500 | 4,613 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1727% | 5,006 |
| Cost of funding earning assets | 0.5771% | 3,733 |
| Net interest margin | 2.5956% | 4,909 |
| Noninterest income to average assets | 0.1946% | 4,494 |
| Noninterest expense to average assets | 1.4624% | 5,018 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1116% | 2,395 |
| Return on assets (ROA) | 1.1116% | 2,489 |
| Pretax return on assets | 1.1116% | 3,130 |
| Return on Equity (ROE) | 7.1369% | 3,506 |
| Retained earnings to average equity (ytd only) | 5.1694% | 2,326 |
| Net charge-offs to loans | 0.0313% | 2,765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 106.0000% | 651 |
| Efficiency ratio | 56.8130% | 4,111 |
| Assets per employee ($millions) | 10.8028% | 309 |
| Cash dividends to net income (ytd only)* | 27.5681% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8461% | 4,164 |
| Loan loss allowance to noncurrent loans | 365.6716% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 4,251 |
| Noncurrent loans to loans | 0.2314% | 3,618 |
| Net loans and leases to total assets | 33.2207% | 4,914 |
| Net loans and leases to deposits | 39.5711% | 4,918 |
| Net loans and leases to core deposits | 40.8039% | 4,933 |
| Total domestic deposits to total assets | 83.9520% | 2,858 |
| Equity capital to assets | 15.9531% | 613 |
| Core capital (leverage) ratio | 15.3667% | 614 |
| Tier 1 risk-based capital ratio | 34.7184% | 336 |
| Total risk-based capital ratio | 35.3441% | 347 |
| Memoranda: | ||
| Average total assets | $85,819,800 | 4,205 |
| Average earning assets | $78,670,200 | 4,207 |
| Average equity | $13,367,200 | 3,849 |
| Average total loans | $28,776,000 | 4,667 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1523% | 5,108 |
| Cost of funding earning assets | 0.5701% | 3,817 |
| Net interest margin | 2.5822% | 5,014 |
| Noninterest income to average assets | 0.1914% | 4,570 |
| Noninterest expense to average assets | 1.4816% | 5,076 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0785% | 2,656 |
| Return on assets (ROA) | 1.0785% | 2,747 |
| Pretax return on assets | 1.0785% | 3,355 |
| Return on Equity (ROE) | 6.9670% | 3,691 |
| Retained earnings to average equity (ytd only) | 6.9368% | 1,891 |
| Net charge-offs to loans | 0.0464% | 2,173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 69.3158% | 964 |
| Efficiency ratio | 57.8723% | 3,955 |
| Assets per employee ($millions) | 11.2013% | 257 |
| Cash dividends to net income (ytd only)* | 0.4329% | 3,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8653% | 4,180 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 31.1941% | 5,035 |
| Net loans and leases to deposits | 36.9710% | 5,048 |
| Net loans and leases to core deposits | 38.0899% | 5,056 |
| Total domestic deposits to total assets | 84.3745% | 2,689 |
| Equity capital to assets | 15.3889% | 752 |
| Core capital (leverage) ratio | 15.7083% | 603 |
| Tier 1 risk-based capital ratio | 35.2181% | 337 |
| Total risk-based capital ratio | 35.8503% | 347 |
| Memoranda: | ||
| Average total assets | $85,669,250 | 4,262 |
| Average earning assets | $78,585,750 | 4,263 |
| Average equity | $13,262,250 | 3,897 |
| Average total loans | $28,731,250 | 4,734 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1643% | 5,160 |
| Cost of funding earning assets | 0.5760% | 3,764 |
| Net interest margin | 2.5883% | 5,080 |
| Noninterest income to average assets | 0.1992% | 4,564 |
| Noninterest expense to average assets | 1.5055% | 5,115 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0693% | 2,655 |
| Return on assets (ROA) | 1.0693% | 2,713 |
| Pretax return on assets | 1.0693% | 3,324 |
| Return on Equity (ROE) | 6.8927% | 3,718 |
| Retained earnings to average equity (ytd only) | 6.8468% | 1,880 |
| Net charge-offs to loans | 0.0553% | 1,852 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 56.3750% | 1,022 |
| Efficiency ratio | 58.4715% | 3,945 |
| Assets per employee ($millions) | 10.4768% | 307 |
| Cash dividends to net income (ytd only)* | 0.6652% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8510% | 4,262 |
| Loan loss allowance to noncurrent loans | 24,700.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 4,825 |
| Noncurrent loans to loans | 0.0034% | 4,721 |
| Net loans and leases to total assets | 34.3356% | 5,022 |
| Net loans and leases to deposits | 41.0616% | 5,027 |
| Net loans and leases to core deposits | 42.6000% | 5,034 |
| Total domestic deposits to total assets | 83.6197% | 3,004 |
| Equity capital to assets | 16.1608% | 593 |
| Core capital (leverage) ratio | 16.0377% | 537 |
| Tier 1 risk-based capital ratio | 34.0736% | 362 |
| Total risk-based capital ratio | 34.7040% | 370 |
| Memoranda: | ||
| Average total assets | $84,355,670 | 4,302 |
| Average earning assets | $77,426,000 | 4,305 |
| Average equity | $13,086,330 | 3,919 |
| Average total loans | $28,909,330 | 4,765 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1105% | 5,239 |
| Cost of funding earning assets | 0.5441% | 3,853 |
| Net interest margin | 2.5664% | 5,159 |
| Noninterest income to average assets | 0.1843% | 4,646 |
| Noninterest expense to average assets | 1.4747% | 5,185 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0729% | 2,573 |
| Return on assets (ROA) | 1.0729% | 2,620 |
| Pretax return on assets | 1.0729% | 3,229 |
| Return on Equity (ROE) | 7.0623% | 3,653 |
| Retained earnings to average equity (ytd only) | 6.9690% | 2,059 |
| Net charge-offs to loans | -0.0277% | 4,618 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8850% | 4,094 |
| Assets per employee ($millions) | 10.5570% | 290 |
| Cash dividends to net income (ytd only)* | 1.3216% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8783% | 4,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 34.3433% | 5,063 |
| Net loans and leases to deposits | 40.7133% | 5,069 |
| Net loans and leases to core deposits | 42.0563% | 5,077 |
| Total domestic deposits to total assets | 84.3540% | 2,921 |
| Equity capital to assets | 15.4814% | 655 |
| Core capital (leverage) ratio | 15.4899% | 596 |
| Tier 1 risk-based capital ratio | 33.0329% | 384 |
| Total risk-based capital ratio | 33.6799% | 396 |
| Memoranda: | ||
| Average total assets | $84,626,500 | 4,344 |
| Average earning assets | $77,929,500 | 4,340 |
| Average equity | $12,857,000 | 3,967 |
| Average total loans | $28,851,500 | 4,816 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7994% | 5,292 |
| Cost of funding earning assets | 0.4449% | 3,713 |
| Net interest margin | 2.3545% | 5,266 |
| Noninterest income to average assets | 0.2184% | 4,603 |
| Noninterest expense to average assets | 1.4457% | 5,246 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9183% | 3,371 |
| Return on assets (ROA) | 0.9183% | 3,362 |
| Pretax return on assets | 0.9183% | 3,848 |
| Return on Equity (ROE) | 6.2025% | 4,107 |
| Retained earnings to average equity (ytd only) | 4.5398% | 3,029 |
| Net charge-offs to loans | -0.0186% | 4,679 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1536% | 3,668 |
| Assets per employee ($millions) | 12.1139% | 192 |
| Cash dividends to net income (ytd only)* | 26.8068% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8966% | 4,183 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 33.2394% | 5,140 |
| Net loans and leases to deposits | 39.1135% | 5,136 |
| Net loans and leases to core deposits | 40.3857% | 5,156 |
| Total domestic deposits to total assets | 84.9818% | 2,653 |
| Equity capital to assets | 14.9050% | 730 |
| Core capital (leverage) ratio | 15.1648% | 659 |
| Tier 1 risk-based capital ratio | 33.0524% | 363 |
| Total risk-based capital ratio | 33.7056% | 381 |
| Memoranda: | ||
| Average total assets | $82,867,600 | 4,382 |
| Average earning assets | $75,515,200 | 4,391 |
| Average equity | $12,269,200 | 3,992 |
| Average total loans | $26,938,000 | 4,891 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7091% | 5,373 |
| Cost of funding earning assets | 0.4183% | 3,733 |
| Net interest margin | 2.2908% | 5,352 |
| Noninterest income to average assets | 0.2233% | 4,631 |
| Noninterest expense to average assets | 1.5407% | 5,252 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7655% | 4,029 |
| Return on assets (ROA) | 0.7655% | 4,036 |
| Pretax return on assets | 0.7655% | 4,384 |
| Return on Equity (ROE) | 5.1791% | 4,505 |
| Retained earnings to average equity (ytd only) | 5.1354% | 3,168 |
| Net charge-offs to loans | -0.0201% | 4,623 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8070% | 2,751 |
| Assets per employee ($millions) | 12.2314% | 185 |
| Cash dividends to net income (ytd only)* | 0.8452% | 3,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9471% | 4,058 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 30.9028% | 5,259 |
| Net loans and leases to deposits | 36.2363% | 5,268 |
| Net loans and leases to core deposits | 37.4153% | 5,276 |
| Total domestic deposits to total assets | 85.2815% | 2,496 |
| Equity capital to assets | 14.4487% | 841 |
| Core capital (leverage) ratio | 15.1546% | 667 |
| Tier 1 risk-based capital ratio | 33.8474% | 350 |
| Total risk-based capital ratio | 34.5155% | 355 |
| Memoranda: | ||
| Average total assets | $82,385,250 | 4,435 |
| Average earning assets | $74,906,750 | 4,449 |
| Average equity | $12,176,750 | 4,038 |
| Average total loans | $26,562,250 | 4,952 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6511% | 5,445 |
| Cost of funding earning assets | 0.4033% | 3,697 |
| Net interest margin | 2.2479% | 5,436 |
| Noninterest income to average assets | 0.2017% | 4,812 |
| Noninterest expense to average assets | 1.5325% | 5,320 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6986% | 4,199 |
| Return on assets (ROA) | 0.6986% | 4,203 |
| Pretax return on assets | 0.6986% | 4,514 |
| Return on Equity (ROE) | 4.6896% | 4,642 |
| Retained earnings to average equity (ytd only) | 4.6400% | 3,267 |
| Net charge-offs to loans | -0.0302% | 4,736 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6880% | 2,531 |
| Assets per employee ($millions) | 11.7176% | 204 |
| Cash dividends to net income (ytd only)* | 1.0563% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9484% | 4,124 |
| Loan loss allowance to noncurrent loans | 3,614.2857% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 5,008 |
| Noncurrent loans to loans | 0.0262% | 4,809 |
| Net loans and leases to total assets | 32.2141% | 5,285 |
| Net loans and leases to deposits | 37.9712% | 5,286 |
| Net loans and leases to core deposits | 45.2712% | 5,169 |
| Total domestic deposits to total assets | 84.8384% | 2,733 |
| Equity capital to assets | 14.9239% | 700 |
| Core capital (leverage) ratio | 15.5577% | 561 |
| Tier 1 risk-based capital ratio | 32.9342% | 377 |
| Total risk-based capital ratio | 33.5942% | 396 |
| Memoranda: | ||
| Average total assets | $81,307,000 | 4,493 |
| Average earning assets | $73,402,670 | 4,515 |
| Average equity | $12,112,000 | 4,070 |
| Average total loans | $26,512,330 | 5,009 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5776% | 5,520 |
| Cost of funding earning assets | 0.3604% | 3,910 |
| Net interest margin | 2.2172% | 5,499 |
| Noninterest income to average assets | 0.1977% | 4,837 |
| Noninterest expense to average assets | 1.5318% | 5,369 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6720% | 4,201 |
| Return on assets (ROA) | 0.6720% | 4,205 |
| Pretax return on assets | 0.6720% | 4,512 |
| Return on Equity (ROE) | 4.5155% | 4,630 |
| Retained earnings to average equity (ytd only) | 4.4159% | 3,426 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5067% | 2,575 |
| Assets per employee ($millions) | 11.5793% | 206 |
| Cash dividends to net income (ytd only)* | 2.2059% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9375% | 4,269 |
| Loan loss allowance to noncurrent loans | 6,225.0000% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 5,113 |
| Noncurrent loans to loans | 0.0151% | 4,925 |
| Net loans and leases to total assets | 32.4607% | 5,309 |
| Net loans and leases to deposits | 38.2100% | 5,315 |
| Net loans and leases to core deposits | 43.9476% | 5,212 |
| Total domestic deposits to total assets | 84.9534% | 2,951 |
| Equity capital to assets | 14.8578% | 706 |
| Core capital (leverage) ratio | 15.3944% | 573 |
| Tier 1 risk-based capital ratio | 34.5363% | 337 |
| Total risk-based capital ratio | 35.2254% | 345 |
| Memoranda: | ||
| Average total assets | $80,949,000 | 4,549 |
| Average earning assets | $73,247,000 | 4,565 |
| Average equity | $12,047,500 | 4,115 |
| Average total loans | $26,430,500 | 5,066 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4414% | 5,568 |
| Cost of funding earning assets | 0.3210% | 3,942 |
| Net interest margin | 2.1203% | 5,553 |
| Noninterest income to average assets | 0.2221% | 4,819 |
| Noninterest expense to average assets | 1.5525% | 5,447 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6072% | 3,973 |
| Return on assets (ROA) | 0.6072% | 4,011 |
| Pretax return on assets | 0.6072% | 4,728 |
| Return on Equity (ROE) | 4.1863% | 4,448 |
| Retained earnings to average equity (ytd only) | 3.0461% | 3,483 |
| Net charge-offs to loans | 0.2189% | 1,188 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 8.5254% | 2,902 |
| Efficiency ratio | 71.8837% | 2,243 |
| Assets per employee ($millions) | 11.5490% | 210 |
| Cash dividends to net income (ytd only)* | 27.2366% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 4,233 |
| Loan loss allowance to noncurrent loans | 6,225.0000% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 5,171 |
| Noncurrent loans to loans | 0.0152% | 4,965 |
| Net loans and leases to total assets | 32.2254% | 5,388 |
| Net loans and leases to deposits | 37.9291% | 5,395 |
| Net loans and leases to core deposits | 44.1851% | 5,288 |
| Total domestic deposits to total assets | 84.9622% | 2,846 |
| Equity capital to assets | 14.9079% | 695 |
| Core capital (leverage) ratio | 14.6186% | 706 |
| Tier 1 risk-based capital ratio | 35.0031% | 319 |
| Total risk-based capital ratio | 35.7090% | 324 |
| Memoranda: | ||
| Average total assets | $82,833,400 | 4,536 |
| Average earning assets | $75,695,800 | 4,545 |
| Average equity | $12,015,400 | 4,135 |
| Average total loans | $26,957,200 | 5,094 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4040% | 5,640 |
| Cost of funding earning assets | 0.3088% | 4,046 |
| Net interest margin | 2.0952% | 5,623 |
| Noninterest income to average assets | 0.2016% | 5,004 |
| Noninterest expense to average assets | 1.4992% | 5,521 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6240% | 4,298 |
| Return on assets (ROA) | 0.6240% | 4,348 |
| Pretax return on assets | 0.6240% | 4,792 |
| Return on Equity (ROE) | 4.3310% | 4,761 |
| Retained earnings to average equity (ytd only) | 4.3088% | 3,342 |
| Net charge-offs to loans | 0.1524% | 1,331 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 12.5814% | 2,419 |
| Efficiency ratio | 70.6104% | 2,429 |
| Assets per employee ($millions) | 12.2807% | 168 |
| Cash dividends to net income (ytd only)* | 0.5135% | 3,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 3,801 |
| Loan loss allowance to noncurrent loans | 1,380.0000% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 5,135 |
| Noncurrent loans to loans | 0.0760% | 4,772 |
| Net loans and leases to total assets | 30.2961% | 5,490 |
| Net loans and leases to deposits | 35.4504% | 5,502 |
| Net loans and leases to core deposits | 42.0227% | 5,417 |
| Total domestic deposits to total assets | 85.4604% | 2,532 |
| Equity capital to assets | 14.2500% | 925 |
| Core capital (leverage) ratio | 14.4656% | 776 |
| Tier 1 risk-based capital ratio | 32.3864% | 402 |
| Total risk-based capital ratio | 33.1090% | 419 |
| Memoranda: | ||
| Average total assets | $83,331,000 | 4,574 |
| Average earning assets | $76,426,750 | 4,577 |
| Average equity | $12,006,250 | 4,178 |
| Average total loans | $27,121,250 | 5,149 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3881% | 5,687 |
| Cost of funding earning assets | 0.2952% | 4,130 |
| Net interest margin | 2.0929% | 5,676 |
| Noninterest income to average assets | 0.2013% | 5,042 |
| Noninterest expense to average assets | 1.5039% | 5,567 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6234% | 4,193 |
| Return on assets (ROA) | 0.6234% | 4,243 |
| Pretax return on assets | 0.6234% | 4,754 |
| Return on Equity (ROE) | 4.3103% | 4,728 |
| Retained earnings to average equity (ytd only) | 4.2767% | 3,163 |
| Net charge-offs to loans | 0.2337% | 870 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 8.0313% | 2,541 |
| Efficiency ratio | 70.6956% | 2,555 |
| Assets per employee ($millions) | 11.7710% | 187 |
| Cash dividends to net income (ytd only)* | 0.7782% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 3,994 |
| Loan loss allowance to noncurrent loans | 3,942.8571% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 5,263 |
| Noncurrent loans to loans | 0.0260% | 5,060 |
| Net loans and leases to total assets | 32.3483% | 5,495 |
| Net loans and leases to deposits | 38.0207% | 5,505 |
| Net loans and leases to core deposits | 42.7586% | 5,429 |
| Total domestic deposits to total assets | 85.0808% | 2,775 |
| Equity capital to assets | 14.6583% | 779 |
| Core capital (leverage) ratio | 14.6360% | 710 |
| Tier 1 risk-based capital ratio | 31.6863% | 418 |
| Total risk-based capital ratio | 32.4011% | 425 |
| Memoranda: | ||
| Average total assets | $82,453,000 | 4,620 |
| Average earning assets | $75,876,000 | 4,616 |
| Average equity | $11,925,000 | 4,201 |
| Average total loans | $27,388,330 | 5,181 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3935% | 5,744 |
| Cost of funding earning assets | 0.2841% | 4,208 |
| Net interest margin | 2.1094% | 5,735 |
| Noninterest income to average assets | 0.1988% | 5,077 |
| Noninterest expense to average assets | 1.4403% | 5,669 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7032% | 3,690 |
| Return on assets (ROA) | 0.7032% | 3,730 |
| Pretax return on assets | 0.7032% | 4,442 |
| Return on Equity (ROE) | 4.8951% | 4,434 |
| Retained earnings to average equity (ytd only) | 4.8276% | 2,997 |
| Net charge-offs to loans | 0.4780% | 386 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 4.3939% | 2,394 |
| Efficiency ratio | 67.1946% | 3,318 |
| Assets per employee ($millions) | 11.9371% | 177 |
| Cash dividends to net income (ytd only)* | 1.3793% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 4,272 |
| Loan loss allowance to noncurrent loans | 3,928.5714% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 5,332 |
| Noncurrent loans to loans | 0.0255% | 5,118 |
| Net loans and leases to total assets | 32.5299% | 5,527 |
| Net loans and leases to deposits | 38.0397% | 5,524 |
| Net loans and leases to core deposits | 43.2373% | 5,436 |
| Total domestic deposits to total assets | 85.5158% | 2,881 |
| Equity capital to assets | 14.2796% | 826 |
| Core capital (leverage) ratio | 14.4377% | 731 |
| Tier 1 risk-based capital ratio | 30.7104% | 458 |
| Total risk-based capital ratio | 31.4071% | 474 |
| Memoranda: | ||
| Average total assets | $82,481,000 | 4,667 |
| Average earning assets | $76,040,000 | 4,653 |
| Average equity | $11,848,500 | 4,238 |
| Average total loans | $27,617,500 | 5,226 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3834% | 5,793 |
| Cost of funding earning assets | 0.2870% | 4,199 |
| Net interest margin | 2.0964% | 5,787 |
| Noninterest income to average assets | 0.2140% | 5,136 |
| Noninterest expense to average assets | 1.5748% | 5,668 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5771% | 4,312 |
| Return on assets (ROA) | 0.5771% | 4,416 |
| Pretax return on assets | 0.5771% | 4,852 |
| Return on Equity (ROE) | 3.9839% | 4,840 |
| Retained earnings to average equity (ytd only) | 2.7854% | 3,917 |
| Net charge-offs to loans | -0.1175% | 5,631 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1818% | 2,395 |
| Assets per employee ($millions) | 11.6289% | 189 |
| Cash dividends to net income (ytd only)* | 30.0847% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1052% | 3,682 |
| Loan loss allowance to noncurrent loans | 1,058.6207% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.0356% | 5,221 |
| Noncurrent loans to loans | 0.1044% | 4,815 |
| Net loans and leases to total assets | 33.7473% | 5,554 |
| Net loans and leases to deposits | 39.5272% | 5,565 |
| Net loans and leases to core deposits | 41.5459% | 5,556 |
| Total domestic deposits to total assets | 85.3775% | 2,888 |
| Equity capital to assets | 14.4530% | 746 |
| Core capital (leverage) ratio | 14.1434% | 779 |
| Tier 1 risk-based capital ratio | 30.5186% | 459 |
| Total risk-based capital ratio | 31.3006% | 475 |
| Memoranda: | ||
| Average total assets | $81,787,800 | 4,700 |
| Average earning assets | $75,606,800 | 4,686 |
| Average equity | $11,847,600 | 4,272 |
| Average total loans | $28,079,200 | 5,266 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3761% | 5,861 |
| Cost of funding earning assets | 0.2851% | 4,252 |
| Net interest margin | 2.0910% | 5,852 |
| Noninterest income to average assets | 0.2149% | 5,177 |
| Noninterest expense to average assets | 1.5566% | 5,721 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5927% | 4,322 |
| Return on assets (ROA) | 0.5927% | 4,431 |
| Pretax return on assets | 0.5927% | 4,896 |
| Return on Equity (ROE) | 4.0892% | 4,870 |
| Retained earnings to average equity (ytd only) | 3.9544% | 3,487 |
| Net charge-offs to loans | -0.0142% | 4,894 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4242% | 2,510 |
| Assets per employee ($millions) | 12.1621% | 164 |
| Cash dividends to net income (ytd only)* | 3.2968% | 3,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9913% | 4,461 |
| Loan loss allowance to noncurrent loans | 923.3333% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 5,346 |
| Noncurrent loans to loans | 0.1074% | 4,910 |
| Net loans and leases to total assets | 32.4954% | 5,664 |
| Net loans and leases to deposits | 37.9821% | 5,679 |
| Net loans and leases to core deposits | 39.8465% | 5,686 |
| Total domestic deposits to total assets | 85.5547% | 2,578 |
| Equity capital to assets | 14.1587% | 982 |
| Core capital (leverage) ratio | 14.1232% | 817 |
| Tier 1 risk-based capital ratio | 29.6942% | 494 |
| Total risk-based capital ratio | 30.3795% | 514 |
| Memoranda: | ||
| Average total assets | $81,884,250 | 4,736 |
| Average earning assets | $75,753,000 | 4,722 |
| Average equity | $11,868,250 | 4,304 |
| Average total loans | $28,154,500 | 5,312 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3878% | 5,934 |
| Cost of funding earning assets | 0.2831% | 4,312 |
| Net interest margin | 2.1047% | 5,931 |
| Noninterest income to average assets | 0.2104% | 5,238 |
| Noninterest expense to average assets | 1.5569% | 5,797 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6040% | 4,248 |
| Return on assets (ROA) | 0.6040% | 4,379 |
| Pretax return on assets | 0.6040% | 4,874 |
| Return on Equity (ROE) | 4.1334% | 4,860 |
| Retained earnings to average equity (ytd only) | 4.1334% | 3,275 |
| Net charge-offs to loans | -0.0425% | 5,301 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0504% | 2,644 |
| Assets per employee ($millions) | 11.6247% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0115% | 4,448 |
| Loan loss allowance to noncurrent loans | 460.6557% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 5,238 |
| Noncurrent loans to loans | 0.2196% | 4,558 |
| Net loans and leases to total assets | 33.7950% | 5,686 |
| Net loans and leases to deposits | 39.7215% | 5,702 |
| Net loans and leases to core deposits | 41.7755% | 5,690 |
| Total domestic deposits to total assets | 85.0798% | 2,837 |
| Equity capital to assets | 14.6633% | 822 |
| Core capital (leverage) ratio | 14.4583% | 719 |
| Tier 1 risk-based capital ratio | 29.1401% | 535 |
| Total risk-based capital ratio | 29.8285% | 550 |
| Memoranda: | ||
| Average total assets | $80,800,670 | 4,797 |
| Average earning assets | $74,880,670 | 4,787 |
| Average equity | $11,806,330 | 4,350 |
| Average total loans | $28,225,330 | 5,359 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4133% | 5,994 |
| Cost of funding earning assets | 0.2855% | 4,326 |
| Net interest margin | 2.1278% | 5,982 |
| Noninterest income to average assets | 0.2087% | 5,238 |
| Noninterest expense to average assets | 1.5898% | 5,834 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5813% | 4,266 |
| Return on assets (ROA) | 0.5813% | 4,380 |
| Pretax return on assets | 0.5813% | 4,871 |
| Return on Equity (ROE) | 3.9852% | 4,895 |
| Retained earnings to average equity (ytd only) | 3.9852% | 3,501 |
| Net charge-offs to loans | -0.0844% | 5,568 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2265% | 2,601 |
| Assets per employee ($millions) | 11.6369% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 4,656 |
| Loan loss allowance to noncurrent loans | 800.0000% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 5,454 |
| Noncurrent loans to loans | 0.1240% | 4,978 |
| Net loans and leases to total assets | 34.3208% | 5,703 |
| Net loans and leases to deposits | 40.2514% | 5,707 |
| Net loans and leases to core deposits | 43.0002% | 5,689 |
| Total domestic deposits to total assets | 85.2660% | 3,013 |
| Equity capital to assets | 14.5228% | 830 |
| Core capital (leverage) ratio | 14.6964% | 668 |
| Tier 1 risk-based capital ratio | 28.2630% | 592 |
| Total risk-based capital ratio | 28.9355% | 618 |
| Memoranda: | ||
| Average total assets | $80,514,500 | 4,845 |
| Average earning assets | $74,256,500 | 4,842 |
| Average equity | $11,743,500 | 4,373 |
| Average total loans | $28,447,500 | 5,399 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3623% | 6,036 |
| Cost of funding earning assets | 0.3206% | 4,022 |
| Net interest margin | 2.0417% | 6,042 |
| Noninterest income to average assets | 0.2321% | 5,204 |
| Noninterest expense to average assets | 1.6212% | 5,904 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4731% | 4,797 |
| Return on assets (ROA) | 0.4731% | 4,876 |
| Pretax return on assets | 0.4731% | 5,169 |
| Return on Equity (ROE) | 3.2672% | 5,206 |
| Retained earnings to average equity (ytd only) | 2.6172% | 4,209 |
| Net charge-offs to loans | 0.0855% | 2,607 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 15.7083% | 2,185 |
| Efficiency ratio | 77.4116% | 2,058 |
| Assets per employee ($millions) | 11.3671% | 181 |
| Cash dividends to net income (ytd only)* | 19.8939% | 3,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9596% | 4,813 |
| Loan loss allowance to noncurrent loans | 785.7143% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 5,503 |
| Noncurrent loans to loans | 0.1221% | 5,004 |
| Net loans and leases to total assets | 35.6705% | 5,723 |
| Net loans and leases to deposits | 41.8721% | 5,712 |
| Net loans and leases to core deposits | 44.8035% | 5,690 |
| Total domestic deposits to total assets | 85.1891% | 3,007 |
| Equity capital to assets | 14.6487% | 744 |
| Core capital (leverage) ratio | 14.5086% | 711 |
| Tier 1 risk-based capital ratio | 27.8544% | 606 |
| Total risk-based capital ratio | 28.5117% | 629 |
| Memoranda: | ||
| Average total assets | $79,693,000 | 4,884 |
| Average earning assets | $72,684,000 | 4,883 |
| Average equity | $11,539,000 | 4,386 |
| Average total loans | $28,080,000 | 5,439 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3629% | 6,132 |
| Cost of funding earning assets | 0.3257% | 4,036 |
| Net interest margin | 2.0371% | 6,129 |
| Noninterest income to average assets | 0.2341% | 5,257 |
| Noninterest expense to average assets | 1.6440% | 5,952 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4415% | 5,000 |
| Return on assets (ROA) | 0.4415% | 5,093 |
| Pretax return on assets | 0.4415% | 5,368 |
| Return on Equity (ROE) | 3.0582% | 5,365 |
| Retained earnings to average equity (ytd only) | 3.0350% | 4,283 |
| Net charge-offs to loans | 0.0525% | 2,858 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 23.9939% | 1,708 |
| Efficiency ratio | 78.8292% | 1,840 |
| Assets per employee ($millions) | 11.5607% | 167 |
| Cash dividends to net income (ytd only)* | 0.7585% | 3,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0437% | 4,505 |
| Loan loss allowance to noncurrent loans | 825.7143% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 5,604 |
| Noncurrent loans to loans | 0.1264% | 5,123 |
| Net loans and leases to total assets | 33.8585% | 5,862 |
| Net loans and leases to deposits | 39.7078% | 5,875 |
| Net loans and leases to core deposits | 42.7998% | 5,831 |
| Total domestic deposits to total assets | 85.2691% | 2,901 |
| Equity capital to assets | 14.4109% | 884 |
| Core capital (leverage) ratio | 14.5101% | 735 |
| Tier 1 risk-based capital ratio | 28.0561% | 617 |
| Total risk-based capital ratio | 28.7544% | 632 |
| Memoranda: | ||
| Average total assets | $79,723,750 | 4,932 |
| Average earning assets | $72,452,250 | 4,943 |
| Average equity | $11,509,750 | 4,436 |
| Average total loans | $27,935,500 | 5,509 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3942% | 6,198 |
| Cost of funding earning assets | 0.3356% | 3,976 |
| Net interest margin | 2.0586% | 6,189 |
| Noninterest income to average assets | 0.2395% | 5,241 |
| Noninterest expense to average assets | 1.6666% | 5,999 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4286% | 5,042 |
| Return on assets (ROA) | 0.4286% | 5,146 |
| Pretax return on assets | 0.4286% | 5,407 |
| Return on Equity (ROE) | 2.9671% | 5,411 |
| Retained earnings to average equity (ytd only) | 2.9322% | 4,169 |
| Net charge-offs to loans | -0.0071% | 4,838 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5427% | 1,824 |
| Assets per employee ($millions) | 11.2357% | 182 |
| Cash dividends to net income (ytd only)* | 1.1765% | 3,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0595% | 4,542 |
| Loan loss allowance to noncurrent loans | 526.3158% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 5,575 |
| Noncurrent loans to loans | 0.2013% | 4,962 |
| Net loans and leases to total assets | 35.6211% | 5,836 |
| Net loans and leases to deposits | 41.9056% | 5,843 |
| Net loans and leases to core deposits | 45.2404% | 5,793 |
| Total domestic deposits to total assets | 85.0032% | 3,120 |
| Equity capital to assets | 14.7133% | 768 |
| Core capital (leverage) ratio | 14.3927% | 739 |
| Tier 1 risk-based capital ratio | 27.3752% | 681 |
| Total risk-based capital ratio | 28.0882% | 705 |
| Memoranda: | ||
| Average total assets | $79,323,330 | 4,993 |
| Average earning assets | $71,505,330 | 5,012 |
| Average equity | $11,459,000 | 4,476 |
| Average total loans | $28,017,670 | 5,551 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3940% | 6,259 |
| Cost of funding earning assets | 0.3420% | 3,968 |
| Net interest margin | 2.0520% | 6,256 |
| Noninterest income to average assets | 0.2511% | 5,165 |
| Noninterest expense to average assets | 1.6671% | 6,044 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4218% | 4,987 |
| Return on assets (ROA) | 0.4218% | 5,108 |
| Pretax return on assets | 0.4218% | 5,386 |
| Return on Equity (ROE) | 2.9467% | 5,400 |
| Retained earnings to average equity (ytd only) | 2.8766% | 4,239 |
| Net charge-offs to loans | 0.0718% | 2,005 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 16.8000% | 1,553 |
| Efficiency ratio | 79.8077% | 1,920 |
| Assets per employee ($millions) | 11.5191% | 169 |
| Cash dividends to net income (ytd only)* | 2.3810% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 4,602 |
| Loan loss allowance to noncurrent loans | 588.0000% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.0620% | 5,684 |
| Noncurrent loans to loans | 0.1843% | 5,117 |
| Net loans and leases to total assets | 33.2899% | 5,947 |
| Net loans and leases to deposits | 38.9012% | 5,955 |
| Net loans and leases to core deposits | 41.8892% | 5,917 |
| Total domestic deposits to total assets | 85.5756% | 3,143 |
| Equity capital to assets | 14.1975% | 923 |
| Core capital (leverage) ratio | 14.3064% | 737 |
| Tier 1 risk-based capital ratio | 27.0830% | 704 |
| Total risk-based capital ratio | 27.7786% | 733 |
| Memoranda: | ||
| Average total assets | $79,660,000 | 5,033 |
| Average earning assets | $71,346,000 | 5,059 |
| Average equity | $11,402,500 | 4,522 |
| Average total loans | $27,868,500 | 5,604 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4030% | 6,352 |
| Cost of funding earning assets | 0.3636% | 4,101 |
| Net interest margin | 2.0395% | 6,357 |
| Noninterest income to average assets | 0.2257% | 5,506 |
| Noninterest expense to average assets | 1.6575% | 6,198 |
| Loan and lease loss provision to assets | 0.0303% | 4,000 |
| Net operating income to assets | 0.3689% | 5,328 |
| Return on assets (ROA) | 0.3689% | 5,396 |
| Pretax return on assets | 0.3689% | 5,562 |
| Return on Equity (ROE) | 2.7277% | 5,566 |
| Retained earnings to average equity (ytd only) | 2.3329% | 4,569 |
| Net charge-offs to loans | 0.2515% | 1,703 |
| Credit loss provision to net charge-offs | 35.2113% | 3,764 |
| Earnings coverage of net charge-offs (x) | 4.6338% | 3,601 |
| Efficiency ratio | 80.5900% | 1,834 |
| Assets per employee ($millions) | 8.7429% | 391 |
| Cash dividends to net income (ytd only)* | 14.4737% | 3,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 4,814 |
| Loan loss allowance to noncurrent loans | 789.4737% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 5,837 |
| Noncurrent loans to loans | 0.1329% | 5,361 |
| Net loans and leases to total assets | 35.9657% | 5,956 |
| Net loans and leases to deposits | 42.1212% | 5,965 |
| Net loans and leases to core deposits | 45.4451% | 5,917 |
| Total domestic deposits to total assets | 85.3862% | 3,130 |
| Equity capital to assets | 14.4333% | 830 |
| Core capital (leverage) ratio | 14.0477% | 806 |
| Tier 1 risk-based capital ratio | 26.2490% | 743 |
| Total risk-based capital ratio | 26.9428% | 773 |
| Memoranda: | ||
| Average total assets | $82,413,600 | 5,006 |
| Average earning assets | $73,990,000 | 5,039 |
| Average equity | $11,144,800 | 4,532 |
| Average total loans | $28,225,400 | 5,641 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3628% | 6,446 |
| Cost of funding earning assets | 0.3590% | 4,243 |
| Net interest margin | 2.0038% | 6,450 |
| Noninterest income to average assets | 0.2256% | 5,584 |
| Noninterest expense to average assets | 1.6589% | 6,240 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3791% | 5,327 |
| Return on assets (ROA) | 0.3791% | 5,404 |
| Pretax return on assets | 0.3791% | 5,626 |
| Return on Equity (ROE) | 2.8489% | 5,592 |
| Retained earnings to average equity (ytd only) | 2.8369% | 4,583 |
| Net charge-offs to loans | 0.3555% | 1,136 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.1599% | 3,719 |
| Efficiency ratio | 81.3972% | 1,691 |
| Assets per employee ($millions) | 9.1113% | 324 |
| Cash dividends to net income (ytd only)* | 0.4209% | 3,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9784% | 5,301 |
| Loan loss allowance to noncurrent loans | 350.6494% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.0939% | 5,788 |
| Noncurrent loans to loans | 0.2790% | 5,075 |
| Net loans and leases to total assets | 33.3224% | 6,140 |
| Net loans and leases to deposits | 38.7902% | 6,159 |
| Net loans and leases to core deposits | 41.7163% | 6,128 |
| Total domestic deposits to total assets | 85.9040% | 2,896 |
| Equity capital to assets | 13.7704% | 1,083 |
| Core capital (leverage) ratio | 13.8146% | 894 |
| Tier 1 risk-based capital ratio | 26.4629% | 750 |
| Total risk-based capital ratio | 27.0938% | 783 |
| Memoranda: | ||
| Average total assets | $83,345,500 | 5,031 |
| Average earning assets | $75,390,000 | 5,054 |
| Average equity | $11,091,750 | 4,575 |
| Average total loans | $28,131,750 | 5,701 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3334% | 6,519 |
| Cost of funding earning assets | 0.3528% | 4,410 |
| Net interest margin | 1.9806% | 6,526 |
| Noninterest income to average assets | 0.2148% | 5,663 |
| Noninterest expense to average assets | 1.6493% | 6,317 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3747% | 5,312 |
| Return on assets (ROA) | 0.3747% | 5,381 |
| Pretax return on assets | 0.3747% | 5,627 |
| Return on Equity (ROE) | 2.8481% | 5,576 |
| Retained earnings to average equity (ytd only) | 2.8299% | 4,403 |
| Net charge-offs to loans | 0.6146% | 649 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.8046% | 3,708 |
| Efficiency ratio | 81.4858% | 1,807 |
| Assets per employee ($millions) | 9.1668% | 309 |
| Cash dividends to net income (ytd only)* | 0.6369% | 3,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9358% | 5,615 |
| Loan loss allowance to noncurrent loans | 271.5789% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.1152% | 5,806 |
| Noncurrent loans to loans | 0.3446% | 4,976 |
| Net loans and leases to total assets | 33.1063% | 6,196 |
| Net loans and leases to deposits | 38.3879% | 6,210 |
| Net loans and leases to core deposits | 41.2477% | 6,181 |
| Total domestic deposits to total assets | 86.2414% | 2,903 |
| Equity capital to assets | 13.4762% | 1,166 |
| Core capital (leverage) ratio | 13.5203% | 968 |
| Tier 1 risk-based capital ratio | 26.1397% | 756 |
| Total risk-based capital ratio | 26.7395% | 807 |
| Memoranda: | ||
| Average total assets | $83,793,330 | 5,068 |
| Average earning assets | $76,541,000 | 5,060 |
| Average equity | $11,025,000 | 4,601 |
| Average total loans | $28,310,670 | 5,728 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3325% | 6,588 |
| Cost of funding earning assets | 0.3473% | 4,564 |
| Net interest margin | 1.9852% | 6,591 |
| Noninterest income to average assets | 0.2037% | 5,725 |
| Noninterest expense to average assets | 1.6533% | 6,386 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3648% | 5,254 |
| Return on assets (ROA) | 0.3648% | 5,320 |
| Pretax return on assets | 0.3648% | 5,558 |
| Return on Equity (ROE) | 2.8055% | 5,527 |
| Retained earnings to average equity (ytd only) | 2.7690% | 4,427 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9249% | 1,935 |
| Assets per employee ($millions) | 8.6283% | 384 |
| Cash dividends to net income (ytd only)* | 1.2987% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 4,522 |
| Loan loss allowance to noncurrent loans | 172.5000% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.2318% | 5,507 |
| Noncurrent loans to loans | 0.7099% | 4,095 |
| Net loans and leases to total assets | 32.2497% | 6,257 |
| Net loans and leases to deposits | 37.0588% | 6,282 |
| Net loans and leases to core deposits | 39.6602% | 6,251 |
| Total domestic deposits to total assets | 87.0229% | 2,795 |
| Equity capital to assets | 12.7499% | 1,430 |
| Core capital (leverage) ratio | 13.0434% | 1,147 |
| Tier 1 risk-based capital ratio | 25.4184% | 846 |
| Total risk-based capital ratio | 26.2039% | 879 |
| Memoranda: | ||
| Average total assets | $84,439,500 | 5,105 |
| Average earning assets | $77,169,500 | 5,085 |
| Average equity | $10,978,500 | 4,623 |
| Average total loans | $28,680,500 | 5,766 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4282% | 6,637 |
| Cost of funding earning assets | 0.4078% | 4,562 |
| Net interest margin | 2.0204% | 6,643 |
| Noninterest income to average assets | 0.2960% | 5,236 |
| Noninterest expense to average assets | 1.6278% | 6,502 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4721% | 4,860 |
| Return on assets (ROA) | 0.4721% | 4,998 |
| Pretax return on assets | 0.4721% | 5,292 |
| Return on Equity (ROE) | 3.6733% | 5,250 |
| Retained earnings to average equity (ytd only) | 2.5677% | 4,424 |
| Net charge-offs to loans | 0.0443% | 4,601 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 30.9231% | 1,154 |
| Efficiency ratio | 77.5168% | 2,540 |
| Assets per employee ($millions) | 8.2596% | 421 |
| Cash dividends to net income (ytd only)* | 30.0995% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 4,767 |
| Loan loss allowance to noncurrent loans | 603.5088% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 6,145 |
| Noncurrent loans to loans | 0.1953% | 5,603 |
| Net loans and leases to total assets | 34.9242% | 6,249 |
| Net loans and leases to deposits | 40.4192% | 6,288 |
| Net loans and leases to core deposits | 43.5872% | 6,245 |
| Total domestic deposits to total assets | 86.4049% | 3,038 |
| Equity capital to assets | 13.2646% | 1,153 |
| Core capital (leverage) ratio | 13.1256% | 1,094 |
| Tier 1 risk-based capital ratio | 24.9146% | 859 |
| Total risk-based capital ratio | 25.6898% | 898 |
| Memoranda: | ||
| Average total assets | $85,146,200 | 5,107 |
| Average earning assets | $76,024,400 | 5,155 |
| Average equity | $10,943,800 | 4,646 |
| Average total loans | $29,369,800 | 5,794 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3967% | 6,729 |
| Cost of funding earning assets | 0.4164% | 4,664 |
| Net interest margin | 1.9804% | 6,730 |
| Noninterest income to average assets | 0.3186% | 5,145 |
| Noninterest expense to average assets | 1.5916% | 6,565 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4865% | 4,858 |
| Return on assets (ROA) | 0.4865% | 5,015 |
| Pretax return on assets | 0.4865% | 5,393 |
| Return on Equity (ROE) | 3.8144% | 5,303 |
| Retained earnings to average equity (ytd only) | 3.8022% | 3,979 |
| Net charge-offs to loans | -0.0045% | 5,773 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5894% | 2,632 |
| Assets per employee ($millions) | 8.5192% | 378 |
| Cash dividends to net income (ytd only)* | 0.3187% | 3,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 4,658 |
| Loan loss allowance to noncurrent loans | 476.0000% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 6,179 |
| Noncurrent loans to loans | 0.2618% | 5,576 |
| Net loans and leases to total assets | 33.2109% | 6,403 |
| Net loans and leases to deposits | 38.1194% | 6,442 |
| Net loans and leases to core deposits | 40.8504% | 6,423 |
| Total domestic deposits to total assets | 87.1232% | 2,623 |
| Equity capital to assets | 12.5716% | 1,546 |
| Core capital (leverage) ratio | 13.0522% | 1,183 |
| Tier 1 risk-based capital ratio | 24.9149% | 878 |
| Total risk-based capital ratio | 25.7148% | 919 |
| Memoranda: | ||
| Average total assets | $85,783,750 | 5,134 |
| Average earning assets | $76,213,500 | 5,188 |
| Average equity | $10,940,750 | 4,698 |
| Average total loans | $29,414,750 | 5,846 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3819% | 6,776 |
| Cost of funding earning assets | 0.4196% | 4,756 |
| Net interest margin | 1.9624% | 6,778 |
| Noninterest income to average assets | 0.3605% | 4,809 |
| Noninterest expense to average assets | 1.5724% | 6,614 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5397% | 4,610 |
| Return on assets (ROA) | 0.5397% | 4,776 |
| Pretax return on assets | 0.5397% | 5,239 |
| Return on Equity (ROE) | 4.2114% | 5,129 |
| Retained earnings to average equity (ytd only) | 4.1933% | 3,624 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4493% | 3,043 |
| Assets per employee ($millions) | 8.8137% | 332 |
| Cash dividends to net income (ytd only)* | 0.4310% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 4,735 |
| Loan loss allowance to noncurrent loans | 730.6122% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 6,339 |
| Noncurrent loans to loans | 0.1711% | 5,890 |
| Net loans and leases to total assets | 32.0898% | 6,502 |
| Net loans and leases to deposits | 36.8081% | 6,530 |
| Net loans and leases to core deposits | 39.3448% | 6,493 |
| Total domestic deposits to total assets | 87.1813% | 2,718 |
| Equity capital to assets | 12.5509% | 1,546 |
| Core capital (leverage) ratio | 13.0899% | 1,131 |
| Tier 1 risk-based capital ratio | 24.3782% | 951 |
| Total risk-based capital ratio | 25.1690% | 991 |
| Memoranda: | ||
| Average total assets | $85,981,000 | 5,157 |
| Average earning assets | $76,744,000 | 5,205 |
| Average equity | $11,017,670 | 4,713 |
| Average total loans | $29,669,670 | 5,859 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4146% | 6,838 |
| Cost of funding earning assets | 0.4286% | 4,824 |
| Net interest margin | 1.9860% | 6,849 |
| Noninterest income to average assets | 0.2214% | 5,897 |
| Noninterest expense to average assets | 1.6819% | 6,581 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3298% | 5,445 |
| Return on assets (ROA) | 0.3298% | 5,582 |
| Pretax return on assets | 0.3298% | 5,781 |
| Return on Equity (ROE) | 2.5465% | 5,757 |
| Retained earnings to average equity (ytd only) | 2.4737% | 4,788 |
| Net charge-offs to loans | -0.0265% | 5,845 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6066% | 1,819 |
| Assets per employee ($millions) | 8.8204% | 338 |
| Cash dividends to net income (ytd only)* | 2.8571% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 4,884 |
| Loan loss allowance to noncurrent loans | 730.6122% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 6,440 |
| Noncurrent loans to loans | 0.1727% | 5,970 |
| Net loans and leases to total assets | 31.7627% | 6,525 |
| Net loans and leases to deposits | 36.3958% | 6,558 |
| Net loans and leases to core deposits | 38.8949% | 6,527 |
| Total domestic deposits to total assets | 87.2704% | 2,774 |
| Equity capital to assets | 12.4938% | 1,719 |
| Core capital (leverage) ratio | 12.6794% | 1,260 |
| Tier 1 risk-based capital ratio | 19.6176% | 1,875 |
| Total risk-based capital ratio | 20.2634% | 2,012 |
| Memoranda: | ||
| Average total assets | $84,903,000 | 5,235 |
| Average earning assets | $76,534,500 | 5,249 |
| Average equity | $10,995,500 | 4,770 |
| Average total loans | $30,184,000 | 5,883 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6640% | 6,887 |
| Cost of funding earning assets | 0.5530% | 4,792 |
| Net interest margin | 2.1110% | 6,896 |
| Noninterest income to average assets | 0.2310% | 5,795 |
| Noninterest expense to average assets | 1.6802% | 6,740 |
| Loan and lease loss provision to assets | 0.0497% | 5,197 |
| Net operating income to assets | 0.3738% | 5,209 |
| Return on assets (ROA) | 0.3738% | 5,436 |
| Pretax return on assets | 0.3738% | 5,648 |
| Return on Equity (ROE) | 2.7849% | 5,640 |
| Retained earnings to average equity (ytd only) | 2.1557% | 4,717 |
| Net charge-offs to loans | 0.6469% | 1,818 |
| Credit loss provision to net charge-offs | 19.3237% | 5,298 |
| Earnings coverage of net charge-offs (x) | 1.6473% | 4,621 |
| Efficiency ratio | 79.8701% | 2,165 |
| Assets per employee ($millions) | 8.1602% | 472 |
| Cash dividends to net income (ytd only)* | 22.5914% | 3,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 5,474 |
| Loan loss allowance to noncurrent loans | 534.3284% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 6,393 |
| Noncurrent loans to loans | 0.2094% | 5,949 |
| Net loans and leases to total assets | 38.7687% | 6,248 |
| Net loans and leases to deposits | 44.9420% | 6,310 |
| Net loans and leases to core deposits | 47.9646% | 6,275 |
| Total domestic deposits to total assets | 86.2638% | 3,223 |
| Equity capital to assets | 13.4445% | 1,253 |
| Core capital (leverage) ratio | 13.8144% | 852 |
| Tier 1 risk-based capital ratio | 23.8201% | 992 |
| Total risk-based capital ratio | 24.6093% | 1,040 |
| Memoranda: | ||
| Average total assets | $80,528,400 | 5,341 |
| Average earning assets | $71,433,800 | 5,383 |
| Average equity | $10,808,400 | 4,797 |
| Average total loans | $31,998,400 | 5,854 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6930% | 7,000 |
| Cost of funding earning assets | 0.5769% | 4,857 |
| Net interest margin | 2.1160% | 7,008 |
| Noninterest income to average assets | 0.2276% | 5,923 |
| Noninterest expense to average assets | 1.6911% | 6,796 |
| Loan and lease loss provision to assets | 0.0664% | 4,859 |
| Net operating income to assets | 0.3406% | 5,473 |
| Return on assets (ROA) | 0.3406% | 5,674 |
| Pretax return on assets | 0.3406% | 5,870 |
| Return on Equity (ROE) | 2.5384% | 5,864 |
| Retained earnings to average equity (ytd only) | 2.5013% | 5,074 |
| Net charge-offs to loans | 0.4875% | 2,155 |
| Credit loss provision to net charge-offs | 34.1880% | 4,727 |
| Earnings coverage of net charge-offs (x) | 2.0940% | 4,223 |
| Efficiency ratio | 80.6017% | 2,001 |
| Assets per employee ($millions) | 8.4732% | 402 |
| Cash dividends to net income (ytd only)* | 1.4634% | 3,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 4,245 |
| Loan loss allowance to noncurrent loans | 49.3392% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 1.0716% | 4,147 |
| Noncurrent loans to loans | 2.8977% | 1,929 |
| Net loans and leases to total assets | 36.4526% | 6,524 |
| Net loans and leases to deposits | 42.0048% | 6,595 |
| Net loans and leases to core deposits | 45.2192% | 6,554 |
| Total domestic deposits to total assets | 86.7819% | 2,809 |
| Equity capital to assets | 12.8806% | 1,653 |
| Core capital (leverage) ratio | 12.7119% | 1,308 |
| Tier 1 risk-based capital ratio | 24.4893% | 953 |
| Total risk-based capital ratio | 25.5050% | 970 |
| Memoranda: | ||
| Average total assets | $80,260,000 | 5,395 |
| Average earning assets | $70,948,750 | 5,460 |
| Average equity | $10,767,750 | 4,856 |
| Average total loans | $31,999,500 | 5,925 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7540% | 7,061 |
| Cost of funding earning assets | 0.6056% | 4,856 |
| Net interest margin | 2.1484% | 7,062 |
| Noninterest income to average assets | 0.2234% | 5,968 |
| Noninterest expense to average assets | 1.6910% | 6,844 |
| Loan and lease loss provision to assets | 0.1016% | 4,257 |
| Net operating income to assets | 0.3225% | 5,531 |
| Return on assets (ROA) | 0.3225% | 5,737 |
| Pretax return on assets | 0.3225% | 5,916 |
| Return on Equity (ROE) | 2.3696% | 5,927 |
| Retained earnings to average equity (ytd only) | 2.3136% | 5,038 |
| Net charge-offs to loans | 0.6269% | 1,756 |
| Credit loss provision to net charge-offs | 39.6040% | 4,268 |
| Earnings coverage of net charge-offs (x) | 1.6535% | 4,163 |
| Efficiency ratio | 79.9520% | 2,188 |
| Assets per employee ($millions) | 8.2070% | 431 |
| Cash dividends to net income (ytd only)* | 2.3622% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4870% | 4,072 |
| Loan loss allowance to noncurrent loans | 141.5902% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.3984% | 5,785 |
| Noncurrent loans to loans | 1.0502% | 4,415 |
| Net loans and leases to total assets | 37.3742% | 6,527 |
| Net loans and leases to deposits | 43.1923% | 6,593 |
| Net loans and leases to core deposits | 46.6488% | 6,536 |
| Total domestic deposits to total assets | 86.5298% | 3,052 |
| Equity capital to assets | 13.1607% | 1,446 |
| Core capital (leverage) ratio | 12.9161% | 1,173 |
| Tier 1 risk-based capital ratio | 25.1991% | 882 |
| Total risk-based capital ratio | 26.2898% | 884 |
| Memoranda: | ||
| Average total assets | $78,769,330 | 5,474 |
| Average earning assets | $69,353,330 | 5,548 |
| Average equity | $10,719,000 | 4,871 |
| Average total loans | $32,221,000 | 5,955 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7682% | 7,118 |
| Cost of funding earning assets | 0.6297% | 4,896 |
| Net interest margin | 2.1385% | 7,115 |
| Noninterest income to average assets | 0.2178% | 6,052 |
| Noninterest expense to average assets | 1.7220% | 6,879 |
| Loan and lease loss provision to assets | 0.2075% | 2,877 |
| Net operating income to assets | 0.1556% | 6,105 |
| Return on assets (ROA) | 0.1556% | 6,236 |
| Pretax return on assets | 0.1556% | 6,281 |
| Return on Equity (ROE) | 1.1238% | 6,322 |
| Retained earnings to average equity (ytd only) | 1.0489% | 5,656 |
| Net charge-offs to loans | 1.2331% | 826 |
| Credit loss provision to net charge-offs | 39.6040% | 3,459 |
| Earnings coverage of net charge-offs (x) | 0.6931% | 3,992 |
| Efficiency ratio | 82.5871% | 1,864 |
| Assets per employee ($millions) | 7.9735% | 485 |
| Cash dividends to net income (ytd only)* | 6.6667% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4789% | 4,262 |
| Loan loss allowance to noncurrent loans | 178.0769% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.3261% | 6,070 |
| Noncurrent loans to loans | 0.8305% | 5,010 |
| Net loans and leases to total assets | 38.6819% | 6,445 |
| Net loans and leases to deposits | 44.8111% | 6,510 |
| Net loans and leases to core deposits | 48.7051% | 6,416 |
| Total domestic deposits to total assets | 86.3222% | 3,348 |
| Equity capital to assets | 13.3994% | 1,276 |
| Core capital (leverage) ratio | 13.2199% | 1,051 |
| Tier 1 risk-based capital ratio | 25.4104% | 865 |
| Total risk-based capital ratio | 26.5201% | 859 |
| Memoranda: | ||
| Average total assets | $77,119,000 | 5,558 |
| Average earning assets | $67,335,500 | 5,647 |
| Average equity | $10,678,000 | 4,889 |
| Average total loans | $32,763,500 | 5,966 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2086% | 7,117 |
| Cost of funding earning assets | 0.7484% | 5,224 |
| Net interest margin | 2.4603% | 7,073 |
| Noninterest income to average assets | 0.2612% | 5,669 |
| Noninterest expense to average assets | 1.8825% | 6,853 |
| Loan and lease loss provision to assets | 0.1111% | 5,199 |
| Net operating income to assets | 0.4279% | 4,743 |
| Return on assets (ROA) | 0.4279% | 4,939 |
| Pretax return on assets | 0.4279% | 5,209 |
| Return on Equity (ROE) | 2.9177% | 5,321 |
| Retained earnings to average equity (ytd only) | 2.3304% | 4,559 |
| Net charge-offs to loans | 0.0419% | 5,893 |
| Credit loss provision to net charge-offs | 571.4286% | 400 |
| Earnings coverage of net charge-offs (x) | 27.7143% | 893 |
| Efficiency ratio | 77.7395% | 2,625 |
| Assets per employee ($millions) | 7.4503% | 587 |
| Cash dividends to net income (ytd only)* | 20.1299% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5312% | 3,879 |
| Loan loss allowance to noncurrent loans | 132.6582% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.5302% | 5,645 |
| Noncurrent loans to loans | 1.1543% | 4,440 |
| Net loans and leases to total assets | 45.2291% | 6,086 |
| Net loans and leases to deposits | 52.9511% | 6,142 |
| Net loans and leases to core deposits | 55.4574% | 6,194 |
| Total domestic deposits to total assets | 85.4167% | 3,635 |
| Equity capital to assets | 14.3243% | 959 |
| Core capital (leverage) ratio | 14.0919% | 804 |
| Tier 1 risk-based capital ratio | 24.6480% | 908 |
| Total risk-based capital ratio | 25.8695% | 901 |
| Memoranda: | ||
| Average total assets | $71,980,400 | 5,692 |
| Average earning assets | $63,204,800 | 5,762 |
| Average equity | $10,556,200 | 4,894 |
| Average total loans | $33,424,200 | 5,983 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2037% | 7,209 |
| Cost of funding earning assets | 0.7693% | 5,335 |
| Net interest margin | 2.4344% | 7,164 |
| Noninterest income to average assets | 0.2579% | 5,777 |
| Noninterest expense to average assets | 1.8220% | 6,962 |
| Loan and lease loss provision to assets | 0.1495% | 4,578 |
| Net operating income to assets | 0.4448% | 4,806 |
| Return on assets (ROA) | 0.4448% | 5,000 |
| Pretax return on assets | 0.4448% | 5,328 |
| Return on Equity (ROE) | 3.0144% | 5,413 |
| Retained earnings to average equity (ytd only) | 2.9890% | 4,563 |
| Net charge-offs to loans | 0.0803% | 5,173 |
| Credit loss provision to net charge-offs | 400.0000% | 714 |
| Earnings coverage of net charge-offs (x) | 15.8976% | 1,433 |
| Efficiency ratio | 75.4060% | 2,938 |
| Assets per employee ($millions) | 7.3635% | 614 |
| Cash dividends to net income (ytd only)* | 0.8414% | 3,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5404% | 3,915 |
| Loan loss allowance to noncurrent loans | 132.8205% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.5296% | 5,770 |
| Noncurrent loans to loans | 1.1598% | 4,601 |
| Net loans and leases to total assets | 44.9637% | 6,247 |
| Net loans and leases to deposits | 52.8704% | 6,304 |
| Net loans and leases to core deposits | 57.2622% | 6,201 |
| Total domestic deposits to total assets | 85.0452% | 3,748 |
| Equity capital to assets | 14.5583% | 975 |
| Core capital (leverage) ratio | 14.2458% | 832 |
| Tier 1 risk-based capital ratio | 14.8686% | 3,744 |
| Total risk-based capital ratio | 15.5977% | 4,055 |
| Memoranda: | ||
| Average total assets | $71,349,750 | 5,747 |
| Average earning assets | $63,258,500 | 5,799 |
| Average equity | $10,527,250 | 4,914 |
| Average total loans | $33,225,000 | 6,057 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2282% | 7,274 |
| Cost of funding earning assets | 0.7778% | 5,522 |
| Net interest margin | 2.4504% | 7,215 |
| Noninterest income to average assets | 0.2635% | 5,767 |
| Noninterest expense to average assets | 1.7963% | 7,089 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6630% | 3,727 |
| Return on assets (ROA) | 0.6630% | 3,850 |
| Pretax return on assets | 0.6630% | 4,521 |
| Return on Equity (ROE) | 4.4729% | 4,711 |
| Retained earnings to average equity (ytd only) | 4.4347% | 3,370 |
| Net charge-offs to loans | 0.0121% | 5,679 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 117.0000% | 300 |
| Efficiency ratio | 73.0415% | 3,533 |
| Assets per employee ($millions) | 7.3751% | 606 |
| Cash dividends to net income (ytd only)* | 0.8547% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3804% | 4,673 |
| Loan loss allowance to noncurrent loans | 66.6667% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 0.9274% | 5,009 |
| Noncurrent loans to loans | 2.0706% | 3,385 |
| Net loans and leases to total assets | 44.1730% | 6,422 |
| Net loans and leases to deposits | 51.8428% | 6,484 |
| Net loans and leases to core deposits | 56.1206% | 6,408 |
| Total domestic deposits to total assets | 85.2056% | 3,780 |
| Equity capital to assets | 14.4418% | 960 |
| Core capital (leverage) ratio | 14.3609% | 795 |
| Tier 1 risk-based capital ratio | 14.8494% | 3,582 |
| Total risk-based capital ratio | 15.4906% | 3,960 |
| Memoranda: | ||
| Average total assets | $70,588,000 | 5,810 |
| Average earning assets | $63,255,000 | 5,847 |
| Average equity | $10,463,000 | 4,934 |
| Average total loans | $33,091,000 | 6,129 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5009% | 7,208 |
| Cost of funding earning assets | 0.7924% | 5,603 |
| Net interest margin | 2.7085% | 7,005 |
| Noninterest income to average assets | 0.2493% | 5,906 |
| Noninterest expense to average assets | 1.8607% | 7,056 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8057% | 2,999 |
| Return on assets (ROA) | 0.8057% | 3,064 |
| Pretax return on assets | 0.8057% | 3,882 |
| Return on Equity (ROE) | 5.3621% | 4,208 |
| Retained earnings to average equity (ytd only) | 5.2850% | 3,018 |
| Net charge-offs to loans | 0.0121% | 4,914 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 139.0000% | 226 |
| Efficiency ratio | 69.7826% | 4,322 |
| Assets per employee ($millions) | 7.1928% | 672 |
| Cash dividends to net income (ytd only)* | 1.4388% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4073% | 4,630 |
| Loan loss allowance to noncurrent loans | 80.0350% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 0.7938% | 5,326 |
| Noncurrent loans to loans | 1.7584% | 3,877 |
| Net loans and leases to total assets | 44.5112% | 6,430 |
| Net loans and leases to deposits | 52.1901% | 6,460 |
| Net loans and leases to core deposits | 55.6181% | 6,444 |
| Total domestic deposits to total assets | 85.2867% | 3,893 |
| Equity capital to assets | 14.3977% | 911 |
| Core capital (leverage) ratio | 14.4574% | 745 |
| Tier 1 risk-based capital ratio | 26.0524% | 781 |
| Total risk-based capital ratio | 27.1901% | 773 |
| Memoranda: | ||
| Average total assets | $69,006,500 | 5,895 |
| Average earning assets | $61,584,500 | 5,952 |
| Average equity | $10,369,000 | 4,949 |
| Average total loans | $33,119,500 | 6,175 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8252% | 7,240 |
| Cost of funding earning assets | 1.0506% | 5,431 |
| Net interest margin | 2.7747% | 7,058 |
| Noninterest income to average assets | 0.2707% | 5,849 |
| Noninterest expense to average assets | 1.9797% | 7,054 |
| Loan and lease loss provision to assets | 0.3076% | 4,341 |
| Net operating income to assets | 0.3723% | 4,669 |
| Return on assets (ROA) | 0.3723% | 4,814 |
| Pretax return on assets | 0.3723% | 5,022 |
| Return on Equity (ROE) | 2.3135% | 5,257 |
| Retained earnings to average equity (ytd only) | 0.9751% | 5,059 |
| Net charge-offs to loans | 0.5690% | 3,345 |
| Credit loss provision to net charge-offs | 103.6269% | 4,342 |
| Earnings coverage of net charge-offs (x) | 2.2902% | 4,008 |
| Efficiency ratio | 74.4361% | 3,310 |
| Assets per employee ($millions) | 6.6085% | 901 |
| Cash dividends to net income (ytd only)* | 57.8512% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3564% | 4,715 |
| Loan loss allowance to noncurrent loans | 68.2563% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 1.0154% | 4,970 |
| Noncurrent loans to loans | 1.9872% | 3,581 |
| Net loans and leases to total assets | 50.4018% | 6,130 |
| Net loans and leases to deposits | 60.0025% | 6,059 |
| Net loans and leases to core deposits | 64.6707% | 6,002 |
| Total domestic deposits to total assets | 83.9994% | 4,367 |
| Equity capital to assets | 15.7101% | 642 |
| Core capital (leverage) ratio | 15.5208% | 577 |
| Tier 1 risk-based capital ratio | 25.8129% | 773 |
| Total risk-based capital ratio | 26.9576% | 762 |
| Memoranda: | ||
| Average total assets | $65,009,400 | 6,033 |
| Average earning assets | $55,970,600 | 6,134 |
| Average equity | $10,460,400 | 4,996 |
| Average total loans | $33,921,200 | 6,210 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9125% | 7,330 |
| Cost of funding earning assets | 1.0911% | 5,478 |
| Net interest margin | 2.8214% | 7,106 |
| Noninterest income to average assets | 0.2760% | 5,900 |
| Noninterest expense to average assets | 1.9132% | 7,185 |
| Loan and lease loss provision to assets | 0.0824% | 6,219 |
| Net operating income to assets | 0.6982% | 3,418 |
| Return on assets (ROA) | 0.6982% | 3,577 |
| Pretax return on assets | 0.6982% | 4,230 |
| Return on Equity (ROE) | 4.3129% | 4,637 |
| Retained earnings to average equity (ytd only) | 2.5318% | 4,648 |
| Net charge-offs to loans | 0.3926% | 3,717 |
| Credit loss provision to net charge-offs | 40.0000% | 6,016 |
| Earnings coverage of net charge-offs (x) | 3.7900% | 3,297 |
| Efficiency ratio | 71.0245% | 3,878 |
| Assets per employee ($millions) | 6.5930% | 928 |
| Cash dividends to net income (ytd only)* | 41.2974% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 5,710 |
| Loan loss allowance to noncurrent loans | 35.4167% | 5,970 |
| Noncurrent assets plus other real estate owned to assets | 1.6745% | 3,938 |
| Noncurrent loans to loans | 3.2482% | 2,440 |
| Net loans and leases to total assets | 50.9586% | 6,224 |
| Net loans and leases to deposits | 60.9613% | 6,217 |
| Net loans and leases to core deposits | 65.7244% | 6,148 |
| Total domestic deposits to total assets | 83.5917% | 4,326 |
| Equity capital to assets | 15.9760% | 678 |
| Core capital (leverage) ratio | 15.8217% | 587 |
| Tier 1 risk-based capital ratio | 16.4770% | 2,565 |
| Total risk-based capital ratio | 17.0949% | 2,788 |
| Memoranda: | ||
| Average total assets | $64,740,500 | 6,114 |
| Average earning assets | $55,478,750 | 6,215 |
| Average equity | $10,480,000 | 5,059 |
| Average total loans | $33,960,000 | 6,291 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0729% | 7,304 |
| Cost of funding earning assets | 1.0993% | 5,673 |
| Net interest margin | 2.9735% | 6,888 |
| Noninterest income to average assets | 0.2704% | 5,987 |
| Noninterest expense to average assets | 1.8277% | 7,359 |
| Loan and lease loss provision to assets | 0.1243% | 5,647 |
| Net operating income to assets | 0.8828% | 2,612 |
| Return on assets (ROA) | 0.8828% | 2,736 |
| Pretax return on assets | 0.8828% | 3,566 |
| Return on Equity (ROE) | 5.4290% | 4,078 |
| Retained earnings to average equity (ytd only) | 3.4027% | 3,947 |
| Net charge-offs to loans | 0.1532% | 4,719 |
| Credit loss provision to net charge-offs | 153.8462% | 2,553 |
| Earnings coverage of net charge-offs (x) | 12.4615% | 1,675 |
| Efficiency ratio | 64.4737% | 5,247 |
| Assets per employee ($millions) | 6.4969% | 952 |
| Cash dividends to net income (ytd only)* | 37.3239% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 4,732 |
| Loan loss allowance to noncurrent loans | 59.4110% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 1.2021% | 4,736 |
| Noncurrent loans to loans | 2.2552% | 3,420 |
| Net loans and leases to total assets | 52.5897% | 6,151 |
| Net loans and leases to deposits | 63.0225% | 6,138 |
| Net loans and leases to core deposits | 65.8793% | 6,252 |
| Total domestic deposits to total assets | 83.4460% | 4,369 |
| Equity capital to assets | 16.1600% | 646 |
| Core capital (leverage) ratio | 15.7899% | 593 |
| Tier 1 risk-based capital ratio | 25.7479% | 791 |
| Total risk-based capital ratio | 26.8960% | 784 |
| Memoranda: | ||
| Average total assets | $64,344,000 | 6,169 |
| Average earning assets | $55,489,330 | 6,263 |
| Average equity | $10,462,330 | 5,073 |
| Average total loans | $33,950,670 | 6,338 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1314% | 7,345 |
| Cost of funding earning assets | 1.0998% | 5,915 |
| Net interest margin | 3.0316% | 6,761 |
| Noninterest income to average assets | 0.2436% | 6,210 |
| Noninterest expense to average assets | 1.8553% | 7,405 |
| Loan and lease loss provision to assets | 0.2499% | 4,050 |
| Net operating income to assets | 0.7559% | 3,181 |
| Return on assets (ROA) | 0.7559% | 3,288 |
| Pretax return on assets | 0.7559% | 4,043 |
| Return on Equity (ROE) | 4.6342% | 4,569 |
| Retained earnings to average equity (ytd only) | 3.7917% | 3,867 |
| Net charge-offs to loans | 0.4403% | 2,728 |
| Credit loss provision to net charge-offs | 108.1081% | 3,183 |
| Earnings coverage of net charge-offs (x) | 4.3514% | 2,648 |
| Efficiency ratio | 64.8472% | 5,335 |
| Assets per employee ($millions) | 6.4261% | 1,039 |
| Cash dividends to net income (ytd only)* | 18.1818% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3429% | 4,720 |
| Loan loss allowance to noncurrent loans | 65.5123% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 1.0986% | 4,953 |
| Noncurrent loans to loans | 2.0499% | 3,718 |
| Net loans and leases to total assets | 51.9024% | 6,281 |
| Net loans and leases to deposits | 62.2385% | 6,255 |
| Net loans and leases to core deposits | 64.7656% | 6,397 |
| Total domestic deposits to total assets | 83.3927% | 4,432 |
| Equity capital to assets | 16.2603% | 638 |
| Core capital (leverage) ratio | 15.9457% | 593 |
| Tier 1 risk-based capital ratio | 26.0910% | 767 |
| Total risk-based capital ratio | 27.2383% | 760 |
| Memoranda: | ||
| Average total assets | $64,031,500 | 6,244 |
| Average earning assets | $55,284,000 | 6,351 |
| Average equity | $10,444,000 | 5,118 |
| Average total loans | $33,610,500 | 6,429 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3101% | 7,552 |
| Cost of funding earning assets | 1.2279% | 6,558 |
| Net interest margin | 3.0822% | 6,423 |
| Noninterest income to average assets | 0.1950% | 6,705 |
| Noninterest expense to average assets | 2.0189% | 7,343 |
| Loan and lease loss provision to assets | 0.4412% | 4,183 |
| Net operating income to assets | 0.4955% | 3,744 |
| Return on assets (ROA) | 0.4955% | 3,844 |
| Pretax return on assets | 0.4955% | 4,199 |
| Return on Equity (ROE) | 2.9861% | 4,508 |
| Retained earnings to average equity (ytd only) | 1.7531% | 3,860 |
| Net charge-offs to loans | 0.7728% | 2,889 |
| Credit loss provision to net charge-offs | 110.8434% | 4,963 |
| Earnings coverage of net charge-offs (x) | 2.3534% | 3,965 |
| Efficiency ratio | 68.3072% | 4,961 |
| Assets per employee ($millions) | 6.3802% | 1,037 |
| Cash dividends to net income (ytd only)* | 41.2903% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 4,480 |
| Loan loss allowance to noncurrent loans | 47.6744% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 1.5031% | 4,127 |
| Noncurrent loans to loans | 2.8311% | 2,724 |
| Net loans and leases to total assets | 51.6645% | 6,458 |
| Net loans and leases to deposits | 61.9873% | 6,472 |
| Net loans and leases to core deposits | 71.2067% | 6,698 |
| Total domestic deposits to total assets | 83.3469% | 4,366 |
| Equity capital to assets | 16.3616% | 648 |
| Core capital (leverage) ratio | 15.9170% | 628 |
| Tier 1 risk-based capital ratio | 26.1099% | 754 |
| Total risk-based capital ratio | 27.2588% | 746 |
| Memoranda: | ||
| Average total assets | $62,559,800 | 6,252 |
| Average earning assets | $56,030,600 | 6,289 |
| Average equity | $10,381,600 | 5,197 |
| Average total loans | $32,219,000 | 6,510 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3633% | 7,631 |
| Cost of funding earning assets | 1.2678% | 6,663 |
| Net interest margin | 3.0955% | 6,325 |
| Noninterest income to average assets | 0.1756% | 6,958 |
| Noninterest expense to average assets | 2.0455% | 7,297 |
| Loan and lease loss provision to assets | 0.5912% | 3,019 |
| Net operating income to assets | 0.3213% | 4,714 |
| Return on assets (ROA) | 0.3213% | 4,821 |
| Pretax return on assets | 0.3213% | 5,003 |
| Return on Equity (ROE) | 1.9292% | 5,191 |
| Retained earnings to average equity (ytd only) | 0.2829% | 5,076 |
| Net charge-offs to loans | 1.0443% | 1,893 |
| Credit loss provision to net charge-offs | 110.4000% | 4,606 |
| Earnings coverage of net charge-offs (x) | 1.7040% | 4,520 |
| Efficiency ratio | 69.1528% | 4,756 |
| Assets per employee ($millions) | 6.2824% | 1,083 |
| Cash dividends to net income (ytd only)* | 85.3300% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 3,889 |
| Loan loss allowance to noncurrent loans | 143.7700% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.5189% | 6,165 |
| Noncurrent loans to loans | 0.9803% | 5,345 |
| Net loans and leases to total assets | 50.1082% | 6,772 |
| Net loans and leases to deposits | 60.2488% | 6,816 |
| Net loans and leases to core deposits | 69.4938% | 6,995 |
| Total domestic deposits to total assets | 83.1689% | 4,137 |
| Equity capital to assets | 16.3839% | 726 |
| Core capital (leverage) ratio | 15.7879% | 710 |
| Tier 1 risk-based capital ratio | 27.7703% | 697 |
| Total risk-based capital ratio | 29.0089% | 683 |
| Memoranda: | ||
| Average total assets | $62,249,250 | 6,308 |
| Average earning assets | $55,950,000 | 6,337 |
| Average equity | $10,367,250 | 5,237 |
| Average total loans | $31,920,250 | 6,568 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3909% | 7,714 |
| Cost of funding earning assets | 1.3069% | 6,781 |
| Net interest margin | 3.0840% | 6,297 |
| Noninterest income to average assets | 0.1805% | 7,005 |
| Noninterest expense to average assets | 1.9627% | 7,529 |
| Loan and lease loss provision to assets | 0.4061% | 3,491 |
| Net operating income to assets | 0.6027% | 3,662 |
| Return on assets (ROA) | 0.6027% | 3,773 |
| Pretax return on assets | 0.6027% | 4,316 |
| Return on Equity (ROE) | 3.5989% | 4,665 |
| Retained earnings to average equity (ytd only) | 1.1355% | 4,700 |
| Net charge-offs to loans | -0.0877% | 7,930 |
| Credit loss provision to net charge-offs | -900.0000% | 7,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0521% | 5,539 |
| Assets per employee ($millions) | 6.4110% | 1,003 |
| Cash dividends to net income (ytd only)* | 68.4492% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7859% | 2,088 |
| Loan loss allowance to noncurrent loans | 72.9625% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 1.2057% | 4,527 |
| Noncurrent loans to loans | 2.4478% | 2,949 |
| Net loans and leases to total assets | 48.3793% | 7,006 |
| Net loans and leases to deposits | 58.0346% | 7,024 |
| Net loans and leases to core deposits | 65.8262% | 7,223 |
| Total domestic deposits to total assets | 83.3630% | 4,085 |
| Equity capital to assets | 16.2408% | 791 |
| Core capital (leverage) ratio | 15.9306% | 754 |
| Tier 1 risk-based capital ratio | 28.1221% | 708 |
| Total risk-based capital ratio | 29.3774% | 691 |
| Memoranda: | ||
| Average total assets | $62,057,670 | 6,368 |
| Average earning assets | $56,161,330 | 6,375 |
| Average equity | $10,392,000 | 5,252 |
| Average total loans | $31,917,000 | 6,612 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4872% | 7,728 |
| Cost of funding earning assets | 1.3567% | 6,854 |
| Net interest margin | 3.1304% | 6,100 |
| Noninterest income to average assets | 0.1442% | 7,264 |
| Noninterest expense to average assets | 1.9596% | 7,429 |
| Loan and lease loss provision to assets | 0.1704% | 4,762 |
| Net operating income to assets | 0.9176% | 2,624 |
| Return on assets (ROA) | 0.9176% | 2,764 |
| Pretax return on assets | 0.9176% | 3,650 |
| Return on Equity (ROE) | 5.3940% | 4,286 |
| Retained earnings to average equity (ytd only) | 3.9684% | 3,692 |
| Net charge-offs to loans | 0.6233% | 1,931 |
| Credit loss provision to net charge-offs | 52.0000% | 4,648 |
| Earnings coverage of net charge-offs (x) | 3.3200% | 3,214 |
| Efficiency ratio | 64.3011% | 5,634 |
| Assets per employee ($millions) | 6.2935% | 1,047 |
| Cash dividends to net income (ytd only)* | 26.4286% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 4,199 |
| Loan loss allowance to noncurrent loans | 31.6206% | 6,439 |
| Noncurrent assets plus other real estate owned to assets | 2.0100% | 2,884 |
| Noncurrent loans to loans | 4.0484% | 1,482 |
| Net loans and leases to total assets | 49.0141% | 6,946 |
| Net loans and leases to deposits | 59.0498% | 6,973 |
| Net loans and leases to core deposits | 66.5007% | 7,219 |
| Total domestic deposits to total assets | 83.0047% | 4,146 |
| Equity capital to assets | 16.6299% | 776 |
| Core capital (leverage) ratio | 16.8200% | 673 |
| Tier 1 risk-based capital ratio | 28.5469% | 715 |
| Total risk-based capital ratio | 29.6722% | 706 |
| Memoranda: | ||
| Average total assets | $61,031,500 | 6,439 |
| Average earning assets | $56,606,000 | 6,392 |
| Average equity | $10,382,000 | 5,269 |
| Average total loans | $32,085,500 | 6,638 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9399% | 7,875 |
| Cost of funding earning assets | 1.9863% | 6,452 |
| Net interest margin | 2.9536% | 7,018 |
| Noninterest income to average assets | 0.3397% | 6,021 |
| Noninterest expense to average assets | 1.8916% | 7,631 |
| Loan and lease loss provision to assets | 0.2561% | 4,354 |
| Net operating income to assets | 0.9185% | 2,927 |
| Return on assets (ROA) | 0.9185% | 2,772 |
| Pretax return on assets | 0.9185% | 3,665 |
| Return on Equity (ROE) | 5.3584% | 4,211 |
| Retained earnings to average equity (ytd only) | 3.8046% | 2,764 |
| Net charge-offs to loans | 0.3305% | 3,192 |
| Credit loss provision to net charge-offs | 148.5149% | 3,553 |
| Earnings coverage of net charge-offs (x) | 6.8119% | 3,262 |
| Efficiency ratio | 61.6927% | 6,015 |
| Assets per employee ($millions) | 5.9128% | 1,184 |
| Cash dividends to net income (ytd only)* | 28.9963% | 4,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2878% | 3,875 |
| Loan loss allowance to noncurrent loans | 88.3333% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 0.8118% | 4,814 |
| Noncurrent loans to loans | 1.4579% | 3,612 |
| Net loans and leases to total assets | 54.9655% | 6,549 |
| Net loans and leases to deposits | 66.8174% | 6,581 |
| Net loans and leases to core deposits | 74.5327% | 6,934 |
| Total domestic deposits to total assets | 82.2622% | 4,098 |
| Equity capital to assets | 17.4165% | 725 |
| Core capital (leverage) ratio | 17.0715% | 689 |
| Tier 1 risk-based capital ratio | 27.9996% | 761 |
| Total risk-based capital ratio | 29.1815% | 747 |
| Memoranda: | ||
| Average total assets | $58,573,800 | 6,428 |
| Average earning assets | $54,070,000 | 6,413 |
| Average equity | $10,040,400 | 5,397 |
| Average total loans | $30,563,000 | 6,673 |