Home > Anna State Bank > Performance and Condition Ratios
Anna 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 | 2.9716% | 4,529 |
| Cost of funding earning assets | 0.7899% | 3,766 |
| Net interest margin | 2.1817% | 4,333 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 1.7611% | 4,053 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.4497% | 3,768 |
| Return on assets (ROA) | 0.4497% | 3,771 |
| Pretax return on assets | 0.4986% | 3,813 |
| Return on Equity (ROE) | 3.4000% | 3,967 |
| Retained earnings to average equity (ytd only) | 1.0659% | 3,822 |
| Net charge-offs to loans | 0.0136% | 2,150 |
| Credit loss provision to net charge-offs | 280.0000% | 1,000 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 869 |
| Efficiency ratio | 77.6119% | 1,104 |
| Assets per employee ($millions) | 5.7887% | 2,994 |
| Cash dividends to net income (ytd only)* | 68.6192% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8308% | 3,889 |
| Loan loss allowance to noncurrent loans | 644.0000% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 3,276 |
| Noncurrent loans to loans | 0.1290% | 2,868 |
| Net loans and leases to total assets | 36.8900% | 4,127 |
| Net loans and leases to deposits | 42.7078% | 4,137 |
| Net loans and leases to core deposits | 50.2694% | 4,077 |
| Total domestic deposits to total assets | 86.3800% | 1,896 |
| Equity capital to assets | 13.4545% | 776 |
| Core capital (leverage) ratio | 13.2903% | 967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $106,296,000 | 3,770 |
| Average earning assets | $101,158,400 | 3,735 |
| Average equity | $14,072,400 | 3,340 |
| Average total loans | $36,843,800 | 4,041 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8938% | 4,549 |
| Cost of funding earning assets | 0.7077% | 3,748 |
| Net interest margin | 2.1861% | 4,362 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 1.7037% | 4,120 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.5155% | 3,730 |
| Return on assets (ROA) | 0.5155% | 3,720 |
| Pretax return on assets | 0.5617% | 3,805 |
| Return on Equity (ROE) | 3.9100% | 3,994 |
| Retained earnings to average equity (ytd only) | 3.9093% | 3,281 |
| Net charge-offs to loans | -0.0147% | 4,046 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 74.9177% | 1,275 |
| Assets per employee ($millions) | 6.1611% | 2,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8603% | 3,844 |
| Loan loss allowance to noncurrent loans | 110.9589% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.2788% | 1,891 |
| Noncurrent loans to loans | 0.7753% | 1,071 |
| Net loans and leases to total assets | 35.6500% | 4,195 |
| Net loans and leases to deposits | 42.0919% | 4,162 |
| Net loans and leases to core deposits | 47.9049% | 4,086 |
| Total domestic deposits to total assets | 84.6900% | 2,601 |
| Equity capital to assets | 13.6358% | 703 |
| Core capital (leverage) ratio | 13.5642% | 918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $106,821,000 | 3,782 |
| Average earning assets | $101,731,500 | 3,740 |
| Average equity | $14,085,750 | 3,326 |
| Average total loans | $36,365,000 | 4,062 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8356% | 4,581 |
| Cost of funding earning assets | 0.6332% | 3,673 |
| Net interest margin | 2.2025% | 4,421 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 1.6853% | 4,166 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5413% | 3,724 |
| Return on assets (ROA) | 0.5413% | 3,732 |
| Pretax return on assets | 0.5990% | 3,807 |
| Return on Equity (ROE) | 4.1500% | 4,008 |
| Retained earnings to average equity (ytd only) | 4.1511% | 3,176 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.7785% | 1,370 |
| Assets per employee ($millions) | 5.9378% | 2,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8631% | 3,870 |
| Loan loss allowance to noncurrent loans | 110.9929% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.2638% | 1,885 |
| Noncurrent loans to loans | 0.7776% | 977 |
| Net loans and leases to total assets | 33.6400% | 4,247 |
| Net loans and leases to deposits | 38.8525% | 4,240 |
| Net loans and leases to core deposits | 44.1008% | 4,174 |
| Total domestic deposits to total assets | 86.5800% | 2,068 |
| Equity capital to assets | 13.2485% | 762 |
| Core capital (leverage) ratio | 13.2108% | 965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $107,515,000 | 3,791 |
| Average earning assets | $102,340,000 | 3,755 |
| Average equity | $14,020,333 | 3,352 |
| Average total loans | $35,932,667 | 4,084 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7457% | 4,611 |
| Cost of funding earning assets | 0.5491% | 3,536 |
| Net interest margin | 2.1966% | 4,499 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.6581% | 4,245 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5824% | 3,725 |
| Return on assets (ROA) | 0.5824% | 3,691 |
| Pretax return on assets | 0.6566% | 3,746 |
| Return on Equity (ROE) | 4.5000% | 3,957 |
| Retained earnings to average equity (ytd only) | 4.5016% | 3,129 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.6346% | 1,567 |
| Assets per employee ($millions) | 6.3195% | 2,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8679% | 3,939 |
| Loan loss allowance to noncurrent loans | 97.5078% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 0.2988% | 1,671 |
| Noncurrent loans to loans | 0.8900% | 847 |
| Net loans and leases to total assets | 33.2800% | 4,289 |
| Net loans and leases to deposits | 38.3291% | 4,271 |
| Net loans and leases to core deposits | 43.8467% | 4,175 |
| Total domestic deposits to total assets | 86.8300% | 2,328 |
| Equity capital to assets | 13.0557% | 745 |
| Core capital (leverage) ratio | 13.1754% | 923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $107,832,500 | 3,838 |
| Average earning assets | $102,706,000 | 3,797 |
| Average equity | $13,950,500 | 3,393 |
| Average total loans | $35,767,000 | 4,137 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5880% | 4,466 |
| Cost of funding earning assets | 0.3542% | 2,446 |
| Net interest margin | 2.2338% | 4,462 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.5933% | 4,314 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6639% | 3,722 |
| Return on assets (ROA) | 0.6639% | 3,671 |
| Pretax return on assets | 0.7271% | 3,798 |
| Return on Equity (ROE) | 5.2300% | 3,979 |
| Retained earnings to average equity (ytd only) | 2.0556% | 3,965 |
| Net charge-offs to loans | 0.0202% | 1,685 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 113.4286% | 911 |
| Efficiency ratio | 68.6661% | 1,878 |
| Assets per employee ($millions) | 6.3666% | 2,449 |
| Cash dividends to net income (ytd only)* | 60.6897% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9050% | 3,750 |
| Loan loss allowance to noncurrent loans | 113.4276% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 1,857 |
| Noncurrent loans to loans | 0.7979% | 933 |
| Net loans and leases to total assets | 32.4700% | 4,326 |
| Net loans and leases to deposits | 37.2802% | 4,316 |
| Net loans and leases to core deposits | 42.7169% | 4,214 |
| Total domestic deposits to total assets | 87.1100% | 2,363 |
| Equity capital to assets | 12.8196% | 737 |
| Core capital (leverage) ratio | 12.7643% | 1,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $109,208,400 | 3,845 |
| Average earning assets | $103,903,800 | 3,799 |
| Average equity | $13,864,400 | 3,485 |
| Average total loans | $34,591,400 | 4,159 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5417% | 4,428 |
| Cost of funding earning assets | 0.3408% | 1,780 |
| Net interest margin | 2.2009% | 4,463 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.5105% | 4,412 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6858% | 3,603 |
| Return on assets (ROA) | 0.6858% | 3,564 |
| Pretax return on assets | 0.7796% | 3,634 |
| Return on Equity (ROE) | 5.4200% | 3,900 |
| Retained earnings to average equity (ytd only) | 5.4152% | 2,949 |
| Net charge-offs to loans | 0.0310% | 1,216 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 1,044 |
| Efficiency ratio | 65.9574% | 2,287 |
| Assets per employee ($millions) | 6.3375% | 2,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9163% | 3,807 |
| Loan loss allowance to noncurrent loans | 219.1781% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.1355% | 2,658 |
| Noncurrent loans to loans | 0.4181% | 1,765 |
| Net loans and leases to total assets | 32.1200% | 4,370 |
| Net loans and leases to deposits | 36.9966% | 4,339 |
| Net loans and leases to core deposits | 42.0513% | 4,223 |
| Total domestic deposits to total assets | 86.8200% | 2,825 |
| Equity capital to assets | 13.1365% | 657 |
| Core capital (leverage) ratio | 13.0686% | 887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $109,452,250 | 3,865 |
| Average earning assets | $104,075,250 | 3,816 |
| Average equity | $13,861,750 | 3,532 |
| Average total loans | $34,372,250 | 4,187 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4967% | 4,375 |
| Cost of funding earning assets | 0.3362% | 1,388 |
| Net interest margin | 2.1605% | 4,480 |
| Noninterest income to average assets | 0.1945% | 4,028 |
| Noninterest expense to average assets | 1.5088% | 4,409 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6580% | 3,450 |
| Return on assets (ROA) | 0.6580% | 3,398 |
| Pretax return on assets | 0.7417% | 3,474 |
| Return on Equity (ROE) | 5.2598% | 3,763 |
| Retained earnings to average equity (ytd only) | 5.2598% | 2,606 |
| Net charge-offs to loans | 0.0409% | 977 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 58.2857% | 1,092 |
| Efficiency ratio | 67.0436% | 2,378 |
| Assets per employee ($millions) | 6.5892% | 2,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9200% | 3,893 |
| Loan loss allowance to noncurrent loans | 229.2857% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 2,830 |
| Noncurrent loans to loans | 0.4012% | 1,930 |
| Net loans and leases to total assets | 30.8634% | 4,432 |
| Net loans and leases to deposits | 35.2833% | 4,414 |
| Net loans and leases to core deposits | 39.9718% | 4,320 |
| Total domestic deposits to total assets | 87.4732% | 2,775 |
| Equity capital to assets | 12.4554% | 772 |
| Core capital (leverage) ratio | 12.6135% | 936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,023,667 | 3,897 |
| Average earning assets | $104,700,000 | 3,861 |
| Average equity | $13,764,667 | 3,610 |
| Average total loans | $34,188,333 | 4,242 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4260% | 4,348 |
| Cost of funding earning assets | 0.3422% | 1,273 |
| Net interest margin | 2.0838% | 4,458 |
| Noninterest income to average assets | 0.2201% | 3,835 |
| Noninterest expense to average assets | 1.5592% | 4,354 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5943% | 3,415 |
| Return on assets (ROA) | 0.5943% | 3,395 |
| Pretax return on assets | 0.6494% | 3,518 |
| Return on Equity (ROE) | 4.7400% | 3,688 |
| Retained earnings to average equity (ytd only) | 4.7400% | 2,686 |
| Net charge-offs to loans | 0.0709% | 641 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 29.5000% | 1,141 |
| Efficiency ratio | 70.5980% | 2,144 |
| Assets per employee ($millions) | 6.4953% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9659% | 3,853 |
| Loan loss allowance to noncurrent loans | 112.1951% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.2681% | 2,067 |
| Noncurrent loans to loans | 0.8609% | 1,085 |
| Net loans and leases to total assets | 29.9004% | 4,448 |
| Net loans and leases to deposits | 34.1770% | 4,440 |
| Net loans and leases to core deposits | 38.7876% | 4,345 |
| Total domestic deposits to total assets | 87.4869% | 2,751 |
| Equity capital to assets | 12.4543% | 823 |
| Core capital (leverage) ratio | 12.6062% | 876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,027,500 | 3,927 |
| Average earning assets | $104,038,500 | 3,885 |
| Average equity | $13,671,000 | 3,690 |
| Average total loans | $33,836,000 | 4,266 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8378% | 4,149 |
| Cost of funding earning assets | 0.4010% | 1,539 |
| Net interest margin | 2.4368% | 4,270 |
| Noninterest income to average assets | 0.1834% | 4,235 |
| Noninterest expense to average assets | 1.6140% | 4,408 |
| Loan and lease loss provision to assets | 0.0123% | 2,837 |
| Net operating income to assets | 0.7829% | 3,385 |
| Return on assets (ROA) | 0.7829% | 3,453 |
| Pretax return on assets | 0.8784% | 3,553 |
| Return on Equity (ROE) | 6.1174% | 3,753 |
| Retained earnings to average equity (ytd only) | 2.5711% | 3,809 |
| Net charge-offs to loans | 0.0360% | 1,529 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | 72.4615% | 1,055 |
| Efficiency ratio | 64.4394% | 2,491 |
| Assets per employee ($millions) | 5.9797% | 2,793 |
| Cash dividends to net income (ytd only)* | 57.9710% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9553% | 3,914 |
| Loan loss allowance to noncurrent loans | 100.3058% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.3038% | 2,017 |
| Noncurrent loans to loans | 0.9524% | 1,058 |
| Net loans and leases to total assets | 31.5938% | 4,461 |
| Net loans and leases to deposits | 36.1866% | 4,469 |
| Net loans and leases to core deposits | 41.2164% | 4,361 |
| Total domestic deposits to total assets | 87.3080% | 2,381 |
| Equity capital to assets | 12.6260% | 1,022 |
| Core capital (leverage) ratio | 12.5532% | 910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,760,400 | 3,936 |
| Average earning assets | $100,746,000 | 3,902 |
| Average equity | $13,535,200 | 3,788 |
| Average total loans | $36,062,000 | 4,269 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8604% | 4,223 |
| Cost of funding earning assets | 0.4126% | 1,604 |
| Net interest margin | 2.4478% | 4,346 |
| Noninterest income to average assets | 0.1709% | 4,348 |
| Noninterest expense to average assets | 1.5829% | 4,482 |
| Loan and lease loss provision to assets | 0.0180% | 2,644 |
| Net operating income to assets | 0.7775% | 3,578 |
| Return on assets (ROA) | 0.7775% | 3,642 |
| Pretax return on assets | 0.8991% | 3,697 |
| Return on Equity (ROE) | 6.0544% | 3,897 |
| Retained earnings to average equity (ytd only) | 6.0544% | 2,793 |
| Net charge-offs to loans | 0.0731% | 920 |
| Credit loss provision to net charge-offs | 70.0000% | 1,759 |
| Earnings coverage of net charge-offs (x) | 36.2000% | 1,429 |
| Efficiency ratio | 63.3232% | 2,491 |
| Assets per employee ($millions) | 5.9146% | 2,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8968% | 4,160 |
| Loan loss allowance to noncurrent loans | 121.9697% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.2480% | 2,541 |
| Noncurrent loans to loans | 0.7352% | 1,524 |
| Net loans and leases to total assets | 33.4251% | 4,492 |
| Net loans and leases to deposits | 38.4557% | 4,504 |
| Net loans and leases to core deposits | 43.8893% | 4,385 |
| Total domestic deposits to total assets | 86.9183% | 2,384 |
| Equity capital to assets | 13.0150% | 975 |
| Core capital (leverage) ratio | 12.9355% | 861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,291,750 | 3,994 |
| Average earning assets | $100,168,750 | 3,958 |
| Average equity | $13,521,500 | 3,837 |
| Average total loans | $36,494,000 | 4,315 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7541% | 4,405 |
| Cost of funding earning assets | 0.4285% | 1,668 |
| Net interest margin | 2.3256% | 4,493 |
| Noninterest income to average assets | 0.1678% | 4,364 |
| Noninterest expense to average assets | 1.6034% | 4,505 |
| Loan and lease loss provision to assets | 0.0172% | 2,612 |
| Net operating income to assets | 0.6673% | 3,837 |
| Return on assets (ROA) | 0.6673% | 3,901 |
| Pretax return on assets | 0.7512% | 3,969 |
| Return on Equity (ROE) | 5.2200% | 4,088 |
| Retained earnings to average equity (ytd only) | 5.2200% | 3,111 |
| Net charge-offs to loans | -0.0055% | 3,458 |
| Credit loss provision to net charge-offs | -900.0000% | 3,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6045% | 1,925 |
| Assets per employee ($millions) | 6.3315% | 2,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9223% | 4,088 |
| Loan loss allowance to noncurrent loans | 117.7700% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2666% | 2,597 |
| Noncurrent loans to loans | 0.7831% | 1,552 |
| Net loans and leases to total assets | 33.7350% | 4,549 |
| Net loans and leases to deposits | 38.6435% | 4,560 |
| Net loans and leases to core deposits | 43.7150% | 4,461 |
| Total domestic deposits to total assets | 87.2979% | 2,172 |
| Equity capital to assets | 12.6277% | 1,073 |
| Core capital (leverage) ratio | 12.6567% | 873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,901,667 | 4,015 |
| Average earning assets | $99,414,333 | 3,980 |
| Average equity | $13,410,000 | 3,851 |
| Average total loans | $36,689,667 | 4,342 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7323% | 4,445 |
| Cost of funding earning assets | 0.4513% | 1,715 |
| Net interest margin | 2.2810% | 4,542 |
| Noninterest income to average assets | 0.1970% | 4,207 |
| Noninterest expense to average assets | 1.6729% | 4,430 |
| Loan and lease loss provision to assets | 0.0193% | 2,528 |
| Net operating income to assets | 0.5950% | 3,957 |
| Return on assets (ROA) | 0.5950% | 4,017 |
| Pretax return on assets | 0.6529% | 4,106 |
| Return on Equity (ROE) | 4.6250% | 4,166 |
| Retained earnings to average equity (ytd only) | 4.6250% | 3,335 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3344% | 1,561 |
| Assets per employee ($millions) | 6.2401% | 2,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9105% | 4,124 |
| Loan loss allowance to noncurrent loans | 62.9490% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 0.4987% | 1,894 |
| Noncurrent loans to loans | 1.4464% | 871 |
| Net loans and leases to total assets | 34.1626% | 4,571 |
| Net loans and leases to deposits | 39.1411% | 4,591 |
| Net loans and leases to core deposits | 43.2846% | 4,520 |
| Total domestic deposits to total assets | 87.2805% | 2,189 |
| Equity capital to assets | 12.6281% | 1,025 |
| Core capital (leverage) ratio | 13.0137% | 839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,534,500 | 4,032 |
| Average earning assets | $97,500,000 | 4,006 |
| Average equity | $13,319,000 | 3,868 |
| Average total loans | $36,710,000 | 4,364 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3817% | 4,220 |
| Cost of funding earning assets | 0.5480% | 2,623 |
| Net interest margin | 2.8337% | 4,204 |
| Noninterest income to average assets | 0.1917% | 4,328 |
| Noninterest expense to average assets | 1.7950% | 4,479 |
| Loan and lease loss provision to assets | 0.0291% | 4,034 |
| Net operating income to assets | 0.8550% | 2,883 |
| Return on assets (ROA) | 0.8550% | 3,022 |
| Pretax return on assets | 1.0402% | 2,911 |
| Return on Equity (ROE) | 5.9955% | 3,593 |
| Retained earnings to average equity (ytd only) | 2.3106% | 3,699 |
| Net charge-offs to loans | 0.0427% | 2,204 |
| Credit loss provision to net charge-offs | 168.7500% | 2,322 |
| Earnings coverage of net charge-offs (x) | 62.0625% | 1,055 |
| Efficiency ratio | 62.6692% | 3,023 |
| Assets per employee ($millions) | 5.9405% | 2,393 |
| Cash dividends to net income (ytd only)* | 61.4610% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8902% | 4,209 |
| Loan loss allowance to noncurrent loans | 60.2941% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 0.5387% | 1,942 |
| Noncurrent loans to loans | 1.4764% | 906 |
| Net loans and leases to total assets | 36.1617% | 4,585 |
| Net loans and leases to deposits | 41.6551% | 4,607 |
| Net loans and leases to core deposits | 46.3292% | 4,538 |
| Total domestic deposits to total assets | 86.8123% | 2,026 |
| Equity capital to assets | 13.1124% | 1,052 |
| Core capital (leverage) ratio | 13.3962% | 807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,869,000 | 4,085 |
| Average earning assets | $87,587,800 | 4,059 |
| Average equity | $13,243,200 | 3,836 |
| Average total loans | $37,459,800 | 4,366 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4378% | 4,300 |
| Cost of funding earning assets | 0.5639% | 2,843 |
| Net interest margin | 2.8739% | 4,224 |
| Noninterest income to average assets | 0.1908% | 4,334 |
| Noninterest expense to average assets | 1.8083% | 4,481 |
| Loan and lease loss provision to assets | 0.0264% | 4,008 |
| Net operating income to assets | 0.9115% | 2,647 |
| Return on assets (ROA) | 0.9115% | 2,782 |
| Pretax return on assets | 1.0788% | 2,814 |
| Return on Equity (ROE) | 6.2520% | 3,465 |
| Retained earnings to average equity (ytd only) | 6.2520% | 1,996 |
| Net charge-offs to loans | 0.0496% | 1,902 |
| Credit loss provision to net charge-offs | 128.5714% | 2,449 |
| Earnings coverage of net charge-offs (x) | 53.7857% | 1,153 |
| Efficiency ratio | 62.0655% | 3,069 |
| Assets per employee ($millions) | 5.3111% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8200% | 4,316 |
| Loan loss allowance to noncurrent loans | 47.0674% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 0.7134% | 1,637 |
| Noncurrent loans to loans | 1.7422% | 771 |
| Net loans and leases to total assets | 40.6134% | 4,543 |
| Net loans and leases to deposits | 47.3730% | 4,567 |
| Net loans and leases to core deposits | 52.7319% | 4,498 |
| Total domestic deposits to total assets | 85.7310% | 2,169 |
| Equity capital to assets | 14.1832% | 811 |
| Core capital (leverage) ratio | 14.2780% | 655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,839,250 | 4,118 |
| Average earning assets | $86,060,000 | 4,081 |
| Average equity | $13,243,500 | 3,843 |
| Average total loans | $37,613,000 | 4,383 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4981% | 4,412 |
| Cost of funding earning assets | 0.5866% | 3,036 |
| Net interest margin | 2.9115% | 4,290 |
| Noninterest income to average assets | 0.1994% | 4,276 |
| Noninterest expense to average assets | 1.8554% | 4,474 |
| Loan and lease loss provision to assets | 0.0202% | 3,989 |
| Net operating income to assets | 0.9031% | 2,675 |
| Return on assets (ROA) | 0.9031% | 2,800 |
| Pretax return on assets | 1.0711% | 2,804 |
| Return on Equity (ROE) | 6.1347% | 3,460 |
| Retained earnings to average equity (ytd only) | 6.1347% | 2,013 |
| Net charge-offs to loans | 0.0108% | 2,563 |
| Credit loss provision to net charge-offs | 450.0000% | 1,300 |
| Earnings coverage of net charge-offs (x) | 243.5000% | 379 |
| Efficiency ratio | 62.9658% | 2,961 |
| Assets per employee ($millions) | 5.1848% | 2,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8465% | 4,199 |
| Loan loss allowance to noncurrent loans | 105.5375% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.3290% | 2,991 |
| Noncurrent loans to loans | 0.8021% | 1,887 |
| Net loans and leases to total assets | 40.6661% | 4,585 |
| Net loans and leases to deposits | 47.5047% | 4,608 |
| Net loans and leases to core deposits | 52.8344% | 4,532 |
| Total domestic deposits to total assets | 85.6042% | 2,162 |
| Equity capital to assets | 14.2961% | 780 |
| Core capital (leverage) ratio | 14.6327% | 631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,252,667 | 4,142 |
| Average earning assets | $84,217,000 | 4,107 |
| Average equity | $13,138,333 | 3,857 |
| Average total loans | $37,101,667 | 4,405 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5638% | 4,569 |
| Cost of funding earning assets | 0.6083% | 3,392 |
| Net interest margin | 2.9555% | 4,350 |
| Noninterest income to average assets | 0.2477% | 4,071 |
| Noninterest expense to average assets | 1.9767% | 4,443 |
| Loan and lease loss provision to assets | 0.0229% | 3,518 |
| Net operating income to assets | 0.9035% | 2,515 |
| Return on assets (ROA) | 0.9035% | 2,620 |
| Pretax return on assets | 1.0778% | 2,595 |
| Return on Equity (ROE) | 6.0446% | 3,302 |
| Retained earnings to average equity (ytd only) | 6.0446% | 1,853 |
| Net charge-offs to loans | 0.0219% | 1,929 |
| Credit loss provision to net charge-offs | 250.0000% | 1,279 |
| Earnings coverage of net charge-offs (x) | 120.0000% | 511 |
| Efficiency ratio | 64.2325% | 3,201 |
| Assets per employee ($millions) | 4.8577% | 2,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8592% | 4,251 |
| Loan loss allowance to noncurrent loans | 93.0233% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.5455% | 2,355 |
| Noncurrent loans to loans | 0.9237% | 1,778 |
| Net loans and leases to total assets | 42.2276% | 4,583 |
| Net loans and leases to deposits | 49.7917% | 4,597 |
| Net loans and leases to core deposits | 55.8525% | 4,496 |
| Total domestic deposits to total assets | 84.8087% | 2,486 |
| Equity capital to assets | 15.0255% | 751 |
| Core capital (leverage) ratio | 15.0834% | 672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,216,000 | 4,172 |
| Average earning assets | $83,505,500 | 4,114 |
| Average equity | $13,036,500 | 3,879 |
| Average total loans | $36,514,500 | 4,442 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7119% | 4,665 |
| Cost of funding earning assets | 0.6136% | 3,583 |
| Net interest margin | 3.0983% | 4,370 |
| Noninterest income to average assets | 0.2367% | 4,259 |
| Noninterest expense to average assets | 1.9630% | 4,594 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0197% | 2,774 |
| Return on assets (ROA) | 1.0197% | 2,863 |
| Pretax return on assets | 1.2346% | 2,724 |
| Return on Equity (ROE) | 6.5175% | 3,735 |
| Retained earnings to average equity (ytd only) | 2.7932% | 3,640 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3895% | 3,479 |
| Assets per employee ($millions) | 4.5786% | 3,109 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8858% | 4,026 |
| Loan loss allowance to noncurrent loans | 101.6026% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 2,367 |
| Noncurrent loans to loans | 0.8718% | 1,758 |
| Net loans and leases to total assets | 40.7718% | 4,705 |
| Net loans and leases to deposits | 47.9654% | 4,745 |
| Net loans and leases to core deposits | 53.8045% | 4,653 |
| Total domestic deposits to total assets | 85.0024% | 2,490 |
| Equity capital to assets | 14.8688% | 827 |
| Core capital (leverage) ratio | 15.0497% | 680 |
| Tier 1 risk-based capital ratio | 34.5282% | 340 |
| Total risk-based capital ratio | 35.3743% | 344 |
| Memoranda: | ||
| Average total assets | $82,374,600 | 4,250 |
| Average earning assets | $78,719,800 | 4,206 |
| Average equity | $12,888,400 | 3,892 |
| Average total loans | $35,635,400 | 4,513 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7320% | 4,746 |
| Cost of funding earning assets | 0.6120% | 3,637 |
| Net interest margin | 3.1200% | 4,445 |
| Noninterest income to average assets | 0.2495% | 4,249 |
| Noninterest expense to average assets | 1.9207% | 4,677 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0703% | 2,686 |
| Return on assets (ROA) | 1.0703% | 2,772 |
| Pretax return on assets | 1.3084% | 2,639 |
| Return on Equity (ROE) | 6.7510% | 3,791 |
| Retained earnings to average equity (ytd only) | 6.7510% | 1,981 |
| Net charge-offs to loans | -0.0037% | 4,143 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4814% | 3,735 |
| Assets per employee ($millions) | 4.4055% | 3,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8744% | 4,140 |
| Loan loss allowance to noncurrent loans | 145.8716% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.4910% | 2,565 |
| Noncurrent loans to loans | 0.5994% | 2,484 |
| Net loans and leases to total assets | 43.0667% | 4,720 |
| Net loans and leases to deposits | 51.2402% | 4,736 |
| Net loans and leases to core deposits | 57.8190% | 4,617 |
| Total domestic deposits to total assets | 84.0487% | 2,803 |
| Equity capital to assets | 15.7971% | 675 |
| Core capital (leverage) ratio | 16.1706% | 540 |
| Tier 1 risk-based capital ratio | 35.6646% | 330 |
| Total risk-based capital ratio | 36.5220% | 333 |
| Memoranda: | ||
| Average total assets | $81,219,750 | 4,322 |
| Average earning assets | $77,562,000 | 4,270 |
| Average equity | $12,876,750 | 3,936 |
| Average total loans | $35,597,750 | 4,573 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7173% | 4,810 |
| Cost of funding earning assets | 0.6044% | 3,626 |
| Net interest margin | 3.1130% | 4,510 |
| Noninterest income to average assets | 0.2761% | 4,090 |
| Noninterest expense to average assets | 1.9579% | 4,670 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0548% | 2,702 |
| Return on assets (ROA) | 1.0548% | 2,767 |
| Pretax return on assets | 1.2912% | 2,590 |
| Return on Equity (ROE) | 6.6451% | 3,819 |
| Retained earnings to average equity (ytd only) | 6.6451% | 1,981 |
| Net charge-offs to loans | -0.0057% | 4,163 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2603% | 3,683 |
| Assets per employee ($millions) | 4.3208% | 3,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 4,094 |
| Loan loss allowance to noncurrent loans | 129.2683% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.5347% | 2,415 |
| Noncurrent loans to loans | 0.6961% | 2,234 |
| Net loans and leases to total assets | 42.6628% | 4,760 |
| Net loans and leases to deposits | 50.7822% | 4,778 |
| Net loans and leases to core deposits | 57.4305% | 4,665 |
| Total domestic deposits to total assets | 84.0112% | 2,855 |
| Equity capital to assets | 15.8243% | 641 |
| Core capital (leverage) ratio | 15.8728% | 565 |
| Tier 1 risk-based capital ratio | 36.0031% | 312 |
| Total risk-based capital ratio | 36.8838% | 318 |
| Memoranda: | ||
| Average total assets | $80,391,330 | 4,365 |
| Average earning assets | $76,775,670 | 4,315 |
| Average equity | $12,761,330 | 3,962 |
| Average total loans | $35,341,330 | 4,615 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6682% | 4,888 |
| Cost of funding earning assets | 0.5639% | 3,763 |
| Net interest margin | 3.1042% | 4,595 |
| Noninterest income to average assets | 0.2615% | 4,139 |
| Noninterest expense to average assets | 1.9965% | 4,647 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0008% | 2,836 |
| Return on assets (ROA) | 1.0008% | 2,878 |
| Pretax return on assets | 1.2271% | 2,708 |
| Return on Equity (ROE) | 6.2942% | 3,921 |
| Retained earnings to average equity (ytd only) | 6.2942% | 2,319 |
| Net charge-offs to loans | -0.0113% | 4,270 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9345% | 3,543 |
| Assets per employee ($millions) | 4.3179% | 3,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8959% | 4,176 |
| Loan loss allowance to noncurrent loans | 118.6567% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.5619% | 2,397 |
| Noncurrent loans to loans | 0.7550% | 2,140 |
| Net loans and leases to total assets | 42.8798% | 4,794 |
| Net loans and leases to deposits | 50.8646% | 4,792 |
| Net loans and leases to core deposits | 57.2491% | 4,667 |
| Total domestic deposits to total assets | 84.3018% | 2,946 |
| Equity capital to assets | 15.5459% | 638 |
| Core capital (leverage) ratio | 16.1867% | 509 |
| Tier 1 risk-based capital ratio | 35.3925% | 317 |
| Total risk-based capital ratio | 36.2735% | 319 |
| Memoranda: | ||
| Average total assets | $79,539,500 | 4,421 |
| Average earning assets | $75,896,500 | 4,371 |
| Average equity | $12,646,500 | 3,989 |
| Average total loans | $35,341,000 | 4,658 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6540% | 4,733 |
| Cost of funding earning assets | 0.4344% | 3,776 |
| Net interest margin | 3.2196% | 4,445 |
| Noninterest income to average assets | 0.1883% | 4,780 |
| Noninterest expense to average assets | 2.0862% | 4,596 |
| Loan and lease loss provision to assets | 0.0178% | 3,799 |
| Net operating income to assets | 0.9350% | 3,307 |
| Return on assets (ROA) | 0.9350% | 3,300 |
| Pretax return on assets | 1.1296% | 3,173 |
| Return on Equity (ROE) | 5.8553% | 4,220 |
| Retained earnings to average equity (ytd only) | 2.2863% | 4,240 |
| Net charge-offs to loans | 0.0198% | 3,036 |
| Credit loss provision to net charge-offs | 200.0000% | 1,432 |
| Earnings coverage of net charge-offs (x) | 128.8571% | 622 |
| Efficiency ratio | 64.5161% | 3,116 |
| Assets per employee ($millions) | 4.0546% | 3,819 |
| Cash dividends to net income (ytd only)* | 60.9524% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9010% | 4,153 |
| Loan loss allowance to noncurrent loans | 381.9277% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.3583% | 3,111 |
| Noncurrent loans to loans | 0.2359% | 3,739 |
| Net loans and leases to total assets | 45.2608% | 4,770 |
| Net loans and leases to deposits | 54.1168% | 4,745 |
| Net loans and leases to core deposits | 58.4220% | 4,688 |
| Total domestic deposits to total assets | 83.6353% | 3,109 |
| Equity capital to assets | 16.2764% | 493 |
| Core capital (leverage) ratio | 16.1845% | 492 |
| Tier 1 risk-based capital ratio | 36.1418% | 295 |
| Total risk-based capital ratio | 37.0528% | 299 |
| Memoranda: | ||
| Average total assets | $78,611,600 | 4,446 |
| Average earning assets | $74,356,800 | 4,414 |
| Average equity | $12,552,800 | 3,949 |
| Average total loans | $35,399,800 | 4,674 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6096% | 4,784 |
| Cost of funding earning assets | 0.4108% | 3,785 |
| Net interest margin | 3.1988% | 4,516 |
| Noninterest income to average assets | 0.2515% | 4,468 |
| Noninterest expense to average assets | 2.0049% | 4,734 |
| Loan and lease loss provision to assets | 0.0152% | 3,706 |
| Net operating income to assets | 1.0362% | 2,938 |
| Return on assets (ROA) | 1.0362% | 2,946 |
| Pretax return on assets | 1.2539% | 2,799 |
| Return on Equity (ROE) | 6.5199% | 4,100 |
| Retained earnings to average equity (ytd only) | 6.5199% | 2,373 |
| Net charge-offs to loans | 0.0075% | 3,148 |
| Credit loss provision to net charge-offs | 450.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 375.5206% | 254 |
| Efficiency ratio | 61.2371% | 3,626 |
| Assets per employee ($millions) | 4.3758% | 3,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8992% | 4,262 |
| Loan loss allowance to noncurrent loans | 201.9108% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.4939% | 2,722 |
| Noncurrent loans to loans | 0.4453% | 3,057 |
| Net loans and leases to total assets | 44.3573% | 4,874 |
| Net loans and leases to deposits | 53.4940% | 4,840 |
| Net loans and leases to core deposits | 57.6763% | 4,799 |
| Total domestic deposits to total assets | 82.9201% | 3,333 |
| Equity capital to assets | 16.3207% | 485 |
| Core capital (leverage) ratio | 16.4581% | 460 |
| Tier 1 risk-based capital ratio | 36.0087% | 302 |
| Total risk-based capital ratio | 36.8934% | 306 |
| Memoranda: | ||
| Average total assets | $79,005,000 | 4,491 |
| Average earning assets | $74,650,000 | 4,454 |
| Average equity | $12,556,250 | 3,978 |
| Average total loans | $35,453,500 | 4,725 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5823% | 4,790 |
| Cost of funding earning assets | 0.3852% | 3,834 |
| Net interest margin | 3.1970% | 4,511 |
| Noninterest income to average assets | 0.2580% | 4,465 |
| Noninterest expense to average assets | 2.0156% | 4,770 |
| Loan and lease loss provision to assets | 0.0126% | 3,608 |
| Net operating income to assets | 1.0343% | 2,875 |
| Return on assets (ROA) | 1.0343% | 2,873 |
| Pretax return on assets | 1.2518% | 2,721 |
| Return on Equity (ROE) | 6.5668% | 4,038 |
| Retained earnings to average equity (ytd only) | 6.5668% | 2,272 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4495% | 3,701 |
| Assets per employee ($millions) | 4.2028% | 3,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 4,382 |
| Loan loss allowance to noncurrent loans | 112.0996% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.5009% | 2,752 |
| Noncurrent loans to loans | 0.7941% | 2,144 |
| Net loans and leases to total assets | 43.9220% | 4,908 |
| Net loans and leases to deposits | 52.2596% | 4,903 |
| Net loans and leases to core deposits | 56.4583% | 4,848 |
| Total domestic deposits to total assets | 84.0457% | 3,051 |
| Equity capital to assets | 15.8441% | 523 |
| Core capital (leverage) ratio | 16.0300% | 487 |
| Tier 1 risk-based capital ratio | 38.0521% | 265 |
| Total risk-based capital ratio | 38.9961% | 268 |
| Memoranda: | ||
| Average total assets | $79,085,000 | 4,529 |
| Average earning assets | $74,756,670 | 4,491 |
| Average equity | $12,456,670 | 4,018 |
| Average total loans | $35,519,670 | 4,762 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5122% | 4,858 |
| Cost of funding earning assets | 0.3700% | 3,832 |
| Net interest margin | 3.1422% | 4,616 |
| Noninterest income to average assets | 0.2897% | 4,233 |
| Noninterest expense to average assets | 1.9771% | 4,889 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0572% | 2,619 |
| Return on assets (ROA) | 1.0572% | 2,630 |
| Pretax return on assets | 1.2910% | 2,403 |
| Return on Equity (ROE) | 6.7319% | 3,890 |
| Retained earnings to average equity (ytd only) | 6.7319% | 2,396 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4977% | 4,005 |
| Assets per employee ($millions) | 4.4246% | 3,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8731% | 4,558 |
| Loan loss allowance to noncurrent loans | 76.1671% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 0.5110% | 2,815 |
| Noncurrent loans to loans | 1.1463% | 1,594 |
| Net loans and leases to total assets | 44.1903% | 4,887 |
| Net loans and leases to deposits | 52.4735% | 4,863 |
| Net loans and leases to core deposits | 56.6841% | 4,813 |
| Total domestic deposits to total assets | 84.2144% | 3,229 |
| Equity capital to assets | 15.6387% | 550 |
| Core capital (leverage) ratio | 16.0294% | 484 |
| Tier 1 risk-based capital ratio | 34.9379% | 328 |
| Total risk-based capital ratio | 35.8045% | 333 |
| Memoranda: | ||
| Average total assets | $78,701,000 | 4,592 |
| Average earning assets | $74,598,000 | 4,542 |
| Average equity | $12,359,000 | 4,067 |
| Average total loans | $35,585,500 | 4,810 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5808% | 4,610 |
| Cost of funding earning assets | 0.3553% | 3,659 |
| Net interest margin | 3.2254% | 4,374 |
| Noninterest income to average assets | 0.2665% | 4,530 |
| Noninterest expense to average assets | 2.1113% | 4,736 |
| Loan and lease loss provision to assets | 0.0195% | 3,908 |
| Net operating income to assets | 0.8736% | 2,843 |
| Return on assets (ROA) | 0.8736% | 2,868 |
| Pretax return on assets | 1.1922% | 2,802 |
| Return on Equity (ROE) | 5.4679% | 3,979 |
| Retained earnings to average equity (ytd only) | 2.0830% | 4,071 |
| Net charge-offs to loans | 0.0166% | 3,539 |
| Credit loss provision to net charge-offs | 250.0000% | 1,099 |
| Earnings coverage of net charge-offs (x) | 155.3333% | 468 |
| Efficiency ratio | 63.5368% | 3,676 |
| Assets per employee ($millions) | 4.0926% | 3,823 |
| Cash dividends to net income (ytd only)* | 61.9048% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8692% | 4,598 |
| Loan loss allowance to noncurrent loans | 44.8625% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 0.8886% | 1,748 |
| Noncurrent loans to loans | 1.9374% | 798 |
| Net loans and leases to total assets | 45.4694% | 4,915 |
| Net loans and leases to deposits | 54.0387% | 4,896 |
| Net loans and leases to core deposits | 58.4819% | 4,829 |
| Total domestic deposits to total assets | 84.1422% | 3,151 |
| Equity capital to assets | 15.7703% | 541 |
| Core capital (leverage) ratio | 15.8633% | 487 |
| Tier 1 risk-based capital ratio | 34.5546% | 330 |
| Total risk-based capital ratio | 35.4263% | 335 |
| Memoranda: | ||
| Average total assets | $76,919,000 | 4,646 |
| Average earning assets | $72,889,600 | 4,601 |
| Average equity | $12,290,000 | 4,091 |
| Average total loans | $36,071,400 | 4,841 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5748% | 4,622 |
| Cost of funding earning assets | 0.3485% | 3,686 |
| Net interest margin | 3.2263% | 4,393 |
| Noninterest income to average assets | 0.2659% | 4,607 |
| Noninterest expense to average assets | 2.0388% | 4,876 |
| Loan and lease loss provision to assets | 0.0139% | 3,873 |
| Net operating income to assets | 0.9560% | 2,737 |
| Return on assets (ROA) | 0.9560% | 2,802 |
| Pretax return on assets | 1.2706% | 2,623 |
| Return on Equity (ROE) | 5.9635% | 4,141 |
| Retained earnings to average equity (ytd only) | 5.9635% | 2,260 |
| Net charge-offs to loans | 0.0074% | 3,470 |
| Credit loss provision to net charge-offs | 400.0000% | 766 |
| Earnings coverage of net charge-offs (x) | 369.0300% | 252 |
| Efficiency ratio | 61.3494% | 3,989 |
| Assets per employee ($millions) | 4.0204% | 3,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 4,725 |
| Loan loss allowance to noncurrent loans | 106.2284% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.3783% | 3,513 |
| Noncurrent loans to loans | 0.8081% | 2,344 |
| Net loans and leases to total assets | 46.4150% | 4,915 |
| Net loans and leases to deposits | 55.6235% | 4,888 |
| Net loans and leases to core deposits | 60.3192% | 4,800 |
| Total domestic deposits to total assets | 83.4448% | 3,310 |
| Equity capital to assets | 16.4583% | 487 |
| Core capital (leverage) ratio | 16.5068% | 430 |
| Tier 1 risk-based capital ratio | 35.7208% | 313 |
| Total risk-based capital ratio | 36.5923% | 313 |
| Memoranda: | ||
| Average total assets | $76,708,750 | 4,698 |
| Average earning assets | $72,691,750 | 4,655 |
| Average equity | $12,296,750 | 4,129 |
| Average total loans | $36,172,500 | 4,891 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5550% | 4,622 |
| Cost of funding earning assets | 0.3417% | 3,671 |
| Net interest margin | 3.2133% | 4,377 |
| Noninterest income to average assets | 0.2812% | 4,544 |
| Noninterest expense to average assets | 2.0491% | 4,881 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9607% | 2,604 |
| Return on assets (ROA) | 0.9607% | 2,665 |
| Pretax return on assets | 1.2680% | 2,506 |
| Return on Equity (ROE) | 6.0467% | 4,026 |
| Retained earnings to average equity (ytd only) | 6.0467% | 2,085 |
| Net charge-offs to loans | -0.0055% | 4,362 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7739% | 4,032 |
| Assets per employee ($millions) | 3.8438% | 4,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8362% | 4,855 |
| Loan loss allowance to noncurrent loans | 198.6842% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.1977% | 4,383 |
| Noncurrent loans to loans | 0.4209% | 3,516 |
| Net loans and leases to total assets | 46.5867% | 4,910 |
| Net loans and leases to deposits | 55.6213% | 4,866 |
| Net loans and leases to core deposits | 60.2534% | 4,809 |
| Total domestic deposits to total assets | 83.7570% | 3,304 |
| Equity capital to assets | 16.1221% | 524 |
| Core capital (leverage) ratio | 16.1440% | 459 |
| Tier 1 risk-based capital ratio | 34.7941% | 315 |
| Total risk-based capital ratio | 35.6413% | 313 |
| Memoranda: | ||
| Average total assets | $76,816,000 | 4,728 |
| Average earning assets | $72,573,670 | 4,684 |
| Average equity | $12,205,000 | 4,155 |
| Average total loans | $36,309,330 | 4,921 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5397% | 4,577 |
| Cost of funding earning assets | 0.3374% | 3,669 |
| Net interest margin | 3.2023% | 4,340 |
| Noninterest income to average assets | 0.2969% | 4,429 |
| Noninterest expense to average assets | 2.0472% | 4,942 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9950% | 2,329 |
| Return on assets (ROA) | 0.9950% | 2,380 |
| Pretax return on assets | 1.2659% | 2,364 |
| Return on Equity (ROE) | 6.3086% | 3,763 |
| Retained earnings to average equity (ytd only) | 6.3086% | 2,181 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7925% | 4,181 |
| Assets per employee ($millions) | 3.8527% | 4,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8329% | 4,977 |
| Loan loss allowance to noncurrent loans | 180.2395% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.2167% | 4,352 |
| Noncurrent loans to loans | 0.4621% | 3,442 |
| Net loans and leases to total assets | 46.5095% | 4,918 |
| Net loans and leases to deposits | 55.3647% | 4,854 |
| Net loans and leases to core deposits | 59.9411% | 4,784 |
| Total domestic deposits to total assets | 84.0058% | 3,478 |
| Equity capital to assets | 15.8436% | 518 |
| Core capital (leverage) ratio | 16.0216% | 456 |
| Tier 1 risk-based capital ratio | 34.2553% | 344 |
| Total risk-based capital ratio | 35.0988% | 351 |
| Memoranda: | ||
| Average total assets | $76,786,000 | 4,776 |
| Average earning assets | $72,323,000 | 4,735 |
| Average equity | $12,110,500 | 4,198 |
| Average total loans | $36,406,000 | 4,959 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6630% | 4,333 |
| Cost of funding earning assets | 0.3343% | 3,700 |
| Net interest margin | 3.3286% | 4,060 |
| Noninterest income to average assets | 0.2888% | 4,671 |
| Noninterest expense to average assets | 2.2079% | 4,755 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8894% | 2,882 |
| Return on assets (ROA) | 0.8894% | 2,998 |
| Pretax return on assets | 1.1984% | 2,681 |
| Return on Equity (ROE) | 5.4843% | 4,211 |
| Retained earnings to average equity (ytd only) | 2.1554% | 4,306 |
| Net charge-offs to loans | 0.0676% | 2,730 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,247 |
| Efficiency ratio | 64.8177% | 3,796 |
| Assets per employee ($millions) | 3.8260% | 4,256 |
| Cash dividends to net income (ytd only)* | 60.6980% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8207% | 5,047 |
| Loan loss allowance to noncurrent loans | 276.1468% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 4,739 |
| Noncurrent loans to loans | 0.2972% | 4,085 |
| Net loans and leases to total assets | 47.5346% | 4,925 |
| Net loans and leases to deposits | 56.4579% | 4,890 |
| Net loans and leases to core deposits | 60.8315% | 4,821 |
| Total domestic deposits to total assets | 84.1948% | 3,349 |
| Equity capital to assets | 15.6994% | 535 |
| Core capital (leverage) ratio | 15.9158% | 473 |
| Tier 1 risk-based capital ratio | 33.6663% | 354 |
| Total risk-based capital ratio | 34.5084% | 365 |
| Memoranda: | ||
| Average total assets | $74,096,200 | 4,847 |
| Average earning assets | $69,397,600 | 4,819 |
| Average equity | $12,016,200 | 4,251 |
| Average total loans | $35,514,800 | 5,030 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6606% | 4,371 |
| Cost of funding earning assets | 0.3337% | 3,734 |
| Net interest margin | 3.3270% | 4,106 |
| Noninterest income to average assets | 0.3139% | 4,525 |
| Noninterest expense to average assets | 2.1608% | 4,863 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9525% | 2,637 |
| Return on assets (ROA) | 0.9525% | 2,783 |
| Pretax return on assets | 1.2645% | 2,557 |
| Return on Equity (ROE) | 5.8249% | 4,158 |
| Retained earnings to average equity (ytd only) | 5.8249% | 2,286 |
| Net charge-offs to loans | 0.0908% | 2,055 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 29.0409% | 1,521 |
| Efficiency ratio | 63.0826% | 4,062 |
| Assets per employee ($millions) | 3.7024% | 4,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8315% | 5,097 |
| Loan loss allowance to noncurrent loans | 323.6559% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.1688% | 4,761 |
| Noncurrent loans to loans | 0.2569% | 4,347 |
| Net loans and leases to total assets | 48.4827% | 4,925 |
| Net loans and leases to deposits | 58.2584% | 4,865 |
| Net loans and leases to core deposits | 62.7085% | 4,792 |
| Total domestic deposits to total assets | 83.2201% | 3,506 |
| Equity capital to assets | 16.6205% | 469 |
| Core capital (leverage) ratio | 16.8372% | 380 |
| Tier 1 risk-based capital ratio | 35.1860% | 330 |
| Total risk-based capital ratio | 36.0465% | 333 |
| Memoranda: | ||
| Average total assets | $73,490,500 | 4,896 |
| Average earning assets | $68,729,500 | 4,873 |
| Average equity | $12,017,000 | 4,288 |
| Average total loans | $35,225,000 | 5,085 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6629% | 4,406 |
| Cost of funding earning assets | 0.3335% | 3,757 |
| Net interest margin | 3.3294% | 4,120 |
| Noninterest income to average assets | 0.3247% | 4,459 |
| Noninterest expense to average assets | 2.1799% | 4,892 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9522% | 2,615 |
| Return on assets (ROA) | 0.9522% | 2,760 |
| Pretax return on assets | 1.2496% | 2,601 |
| Return on Equity (ROE) | 5.8555% | 4,115 |
| Retained earnings to average equity (ytd only) | 5.8555% | 2,210 |
| Net charge-offs to loans | 0.1433% | 1,467 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 18.3200% | 1,831 |
| Efficiency ratio | 63.5640% | 4,089 |
| Assets per employee ($millions) | 3.4543% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8461% | 5,143 |
| Loan loss allowance to noncurrent loans | 303.0303% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.1806% | 4,771 |
| Noncurrent loans to loans | 0.2792% | 4,368 |
| Net loans and leases to total assets | 48.4671% | 4,953 |
| Net loans and leases to deposits | 58.3061% | 4,885 |
| Net loans and leases to core deposits | 62.8562% | 4,823 |
| Total domestic deposits to total assets | 83.1252% | 3,603 |
| Equity capital to assets | 16.7287% | 463 |
| Core capital (leverage) ratio | 16.4556% | 409 |
| Tier 1 risk-based capital ratio | 35.6748% | 321 |
| Total risk-based capital ratio | 36.5576% | 323 |
| Memoranda: | ||
| Average total assets | $73,305,000 | 4,950 |
| Average earning assets | $68,360,670 | 4,927 |
| Average equity | $11,920,330 | 4,333 |
| Average total loans | $34,899,670 | 5,142 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6511% | 4,472 |
| Cost of funding earning assets | 0.3330% | 3,799 |
| Net interest margin | 3.3181% | 4,152 |
| Noninterest income to average assets | 0.3583% | 4,160 |
| Noninterest expense to average assets | 2.2256% | 4,844 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9771% | 2,388 |
| Return on assets (ROA) | 0.9771% | 2,497 |
| Pretax return on assets | 1.2159% | 2,641 |
| Return on Equity (ROE) | 6.0950% | 3,938 |
| Retained earnings to average equity (ytd only) | 6.0950% | 2,335 |
| Net charge-offs to loans | -0.0231% | 4,930 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6688% | 4,020 |
| Assets per employee ($millions) | 3.4879% | 4,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9493% | 4,850 |
| Loan loss allowance to noncurrent loans | 161.8812% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.2758% | 4,453 |
| Noncurrent loans to loans | 0.5864% | 3,430 |
| Net loans and leases to total assets | 46.5834% | 5,078 |
| Net loans and leases to deposits | 55.7289% | 5,006 |
| Net loans and leases to core deposits | 59.9996% | 4,940 |
| Total domestic deposits to total assets | 83.5893% | 3,678 |
| Equity capital to assets | 16.2755% | 502 |
| Core capital (leverage) ratio | 16.3348% | 433 |
| Tier 1 risk-based capital ratio | 35.7070% | 314 |
| Total risk-based capital ratio | 36.6838% | 320 |
| Memoranda: | ||
| Average total assets | $73,687,500 | 4,984 |
| Average earning assets | $68,472,500 | 4,968 |
| Average equity | $11,813,000 | 4,361 |
| Average total loans | $34,620,500 | 5,192 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5613% | 4,774 |
| Cost of funding earning assets | 0.3343% | 3,856 |
| Net interest margin | 3.2270% | 4,539 |
| Noninterest income to average assets | 0.2652% | 4,973 |
| Noninterest expense to average assets | 2.1540% | 5,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8694% | 3,023 |
| Return on assets (ROA) | 0.8694% | 3,102 |
| Pretax return on assets | 1.1373% | 2,899 |
| Return on Equity (ROE) | 5.5809% | 4,241 |
| Retained earnings to average equity (ytd only) | 2.8291% | 4,056 |
| Net charge-offs to loans | 0.0028% | 4,369 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 849.0000% | 71 |
| Efficiency ratio | 65.4457% | 3,996 |
| Assets per employee ($millions) | 3.7065% | 4,461 |
| Cash dividends to net income (ytd only)* | 49.3066% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9341% | 4,946 |
| Loan loss allowance to noncurrent loans | 78.8835% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 0.5558% | 3,432 |
| Noncurrent loans to loans | 1.1841% | 1,989 |
| Net loans and leases to total assets | 46.4980% | 5,122 |
| Net loans and leases to deposits | 55.2618% | 5,092 |
| Net loans and leases to core deposits | 59.8192% | 4,991 |
| Total domestic deposits to total assets | 84.1414% | 3,430 |
| Equity capital to assets | 15.7898% | 548 |
| Core capital (leverage) ratio | 15.6817% | 505 |
| Tier 1 risk-based capital ratio | 34.4985% | 347 |
| Total risk-based capital ratio | 35.4508% | 349 |
| Memoranda: | ||
| Average total assets | $74,651,800 | 4,977 |
| Average earning assets | $70,002,200 | 4,940 |
| Average equity | $11,629,000 | 4,363 |
| Average total loans | $35,629,400 | 5,169 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5296% | 4,915 |
| Cost of funding earning assets | 0.3326% | 3,947 |
| Net interest margin | 3.1970% | 4,679 |
| Noninterest income to average assets | 0.2763% | 4,967 |
| Noninterest expense to average assets | 2.1145% | 5,245 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8950% | 2,986 |
| Return on assets (ROA) | 0.8950% | 3,073 |
| Pretax return on assets | 1.1607% | 2,967 |
| Return on Equity (ROE) | 5.7650% | 4,269 |
| Retained earnings to average equity (ytd only) | 5.7650% | 2,393 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5618% | 4,146 |
| Assets per employee ($millions) | 3.7772% | 4,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9093% | 5,176 |
| Loan loss allowance to noncurrent loans | 124.4275% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4210% | 4,091 |
| Noncurrent loans to loans | 0.7308% | 3,142 |
| Net loans and leases to total assets | 47.0249% | 5,149 |
| Net loans and leases to deposits | 55.8870% | 5,132 |
| Net loans and leases to core deposits | 60.3955% | 5,041 |
| Total domestic deposits to total assets | 84.1428% | 3,364 |
| Equity capital to assets | 15.7725% | 601 |
| Core capital (leverage) ratio | 15.8522% | 509 |
| Tier 1 risk-based capital ratio | 33.8005% | 386 |
| Total risk-based capital ratio | 34.7253% | 392 |
| Memoranda: | ||
| Average total assets | $74,782,250 | 5,031 |
| Average earning assets | $70,147,750 | 4,990 |
| Average equity | $11,610,000 | 4,426 |
| Average total loans | $35,838,250 | 5,222 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4950% | 4,995 |
| Cost of funding earning assets | 0.3315% | 4,031 |
| Net interest margin | 3.1635% | 4,776 |
| Noninterest income to average assets | 0.2603% | 5,091 |
| Noninterest expense to average assets | 2.0878% | 5,364 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8990% | 2,882 |
| Return on assets (ROA) | 0.8990% | 3,003 |
| Pretax return on assets | 1.1432% | 2,996 |
| Return on Equity (ROE) | 5.8219% | 4,221 |
| Retained earnings to average equity (ytd only) | 5.8219% | 2,344 |
| Net charge-offs to loans | 0.0056% | 3,705 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 426.0000% | 154 |
| Efficiency ratio | 64.6179% | 4,256 |
| Assets per employee ($millions) | 3.5844% | 4,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9211% | 5,215 |
| Loan loss allowance to noncurrent loans | 146.3964% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.3693% | 4,420 |
| Noncurrent loans to loans | 0.6292% | 3,585 |
| Net loans and leases to total assets | 46.4409% | 5,216 |
| Net loans and leases to deposits | 55.0374% | 5,190 |
| Net loans and leases to core deposits | 59.2130% | 5,120 |
| Total domestic deposits to total assets | 84.3806% | 3,409 |
| Equity capital to assets | 15.5157% | 602 |
| Core capital (leverage) ratio | 15.6863% | 514 |
| Tier 1 risk-based capital ratio | 34.6522% | 374 |
| Total risk-based capital ratio | 35.6040% | 379 |
| Memoranda: | ||
| Average total assets | $74,528,670 | 5,087 |
| Average earning assets | $69,985,000 | 5,044 |
| Average equity | $11,508,330 | 4,468 |
| Average total loans | $35,834,330 | 5,263 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4483% | 5,094 |
| Cost of funding earning assets | 0.3243% | 4,170 |
| Net interest margin | 3.1240% | 4,869 |
| Noninterest income to average assets | 0.2913% | 4,845 |
| Noninterest expense to average assets | 2.0929% | 5,401 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9439% | 2,538 |
| Return on assets (ROA) | 0.9439% | 2,671 |
| Pretax return on assets | 1.1597% | 2,836 |
| Return on Equity (ROE) | 6.1280% | 3,967 |
| Retained earnings to average equity (ytd only) | 6.1280% | 2,413 |
| Net charge-offs to loans | 0.0111% | 2,968 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 215.0000% | 266 |
| Efficiency ratio | 64.3449% | 4,424 |
| Assets per employee ($millions) | 3.7384% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8941% | 5,454 |
| Loan loss allowance to noncurrent loans | 58.7703% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 0.7597% | 3,212 |
| Noncurrent loans to loans | 1.5214% | 1,853 |
| Net loans and leases to total assets | 48.1810% | 5,011 |
| Net loans and leases to deposits | 57.0940% | 4,978 |
| Net loans and leases to core deposits | 61.0338% | 4,916 |
| Total domestic deposits to total assets | 84.3890% | 3,655 |
| Equity capital to assets | 15.4866% | 628 |
| Core capital (leverage) ratio | 15.7625% | 493 |
| Tier 1 risk-based capital ratio | 31.5895% | 472 |
| Total risk-based capital ratio | 32.4714% | 483 |
| Memoranda: | ||
| Average total assets | $74,157,000 | 5,147 |
| Average earning assets | $70,294,500 | 5,081 |
| Average equity | $11,423,000 | 4,516 |
| Average total loans | $36,110,500 | 5,295 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6583% | 4,912 |
| Cost of funding earning assets | 0.3756% | 3,965 |
| Net interest margin | 3.2828% | 4,644 |
| Noninterest income to average assets | 0.3368% | 4,702 |
| Noninterest expense to average assets | 2.2517% | 5,236 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8837% | 2,955 |
| Return on assets (ROA) | 0.8837% | 3,040 |
| Pretax return on assets | 1.1384% | 2,936 |
| Return on Equity (ROE) | 5.8394% | 4,235 |
| Retained earnings to average equity (ytd only) | 5.8394% | 2,031 |
| Net charge-offs to loans | 0.0227% | 4,389 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 102.2500% | 517 |
| Efficiency ratio | 66.4204% | 4,172 |
| Assets per employee ($millions) | 3.6773% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9088% | 5,450 |
| Loan loss allowance to noncurrent loans | 83.1633% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 0.5534% | 3,952 |
| Noncurrent loans to loans | 1.0928% | 2,642 |
| Net loans and leases to total assets | 48.3317% | 5,122 |
| Net loans and leases to deposits | 57.1277% | 5,118 |
| Net loans and leases to core deposits | 61.1208% | 5,062 |
| Total domestic deposits to total assets | 84.6028% | 3,454 |
| Equity capital to assets | 15.3197% | 647 |
| Core capital (leverage) ratio | 15.5100% | 527 |
| Tier 1 risk-based capital ratio | 31.6160% | 448 |
| Total risk-based capital ratio | 32.5166% | 455 |
| Memoranda: | ||
| Average total assets | $71,856,200 | 5,236 |
| Average earning assets | $66,834,000 | 5,207 |
| Average equity | $10,874,400 | 4,590 |
| Average total loans | $35,298,600 | 5,353 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6800% | 4,915 |
| Cost of funding earning assets | 0.3767% | 4,060 |
| Net interest margin | 3.3033% | 4,592 |
| Noninterest income to average assets | 0.3378% | 4,732 |
| Noninterest expense to average assets | 2.1595% | 5,432 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9388% | 2,741 |
| Return on assets (ROA) | 0.9388% | 2,825 |
| Pretax return on assets | 1.2393% | 2,616 |
| Return on Equity (ROE) | 6.2234% | 4,122 |
| Retained earnings to average equity (ytd only) | 6.2234% | 2,264 |
| Net charge-offs to loans | 0.0304% | 3,879 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 82.9719% | 687 |
| Efficiency ratio | 63.5365% | 4,622 |
| Assets per employee ($millions) | 3.6453% | 4,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9095% | 5,574 |
| Loan loss allowance to noncurrent loans | 69.5096% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 0.6639% | 3,849 |
| Noncurrent loans to loans | 1.3084% | 2,463 |
| Net loans and leases to total assets | 48.7182% | 5,131 |
| Net loans and leases to deposits | 57.5563% | 5,135 |
| Net loans and leases to core deposits | 61.6086% | 5,069 |
| Total domestic deposits to total assets | 84.6444% | 3,482 |
| Equity capital to assets | 15.2102% | 694 |
| Core capital (leverage) ratio | 15.4376% | 552 |
| Tier 1 risk-based capital ratio | 31.1825% | 474 |
| Total risk-based capital ratio | 32.0810% | 482 |
| Memoranda: | ||
| Average total assets | $71,433,750 | 5,302 |
| Average earning assets | $66,194,250 | 5,276 |
| Average equity | $10,776,250 | 4,634 |
| Average total loans | $35,155,250 | 5,411 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6957% | 4,872 |
| Cost of funding earning assets | 0.3717% | 4,189 |
| Net interest margin | 3.3240% | 4,489 |
| Noninterest income to average assets | 0.3411% | 4,691 |
| Noninterest expense to average assets | 2.1933% | 5,430 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9303% | 2,653 |
| Return on assets (ROA) | 0.9303% | 2,757 |
| Pretax return on assets | 1.1981% | 2,673 |
| Return on Equity (ROE) | 6.1844% | 4,060 |
| Retained earnings to average equity (ytd only) | 6.1844% | 2,223 |
| Net charge-offs to loans | 0.0057% | 4,182 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 425.0000% | 164 |
| Efficiency ratio | 64.6717% | 4,586 |
| Assets per employee ($millions) | 3.7104% | 4,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9369% | 5,611 |
| Loan loss allowance to noncurrent loans | 68.5185% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 0.6549% | 4,017 |
| Noncurrent loans to loans | 1.3674% | 2,528 |
| Net loans and leases to total assets | 47.4470% | 5,223 |
| Net loans and leases to deposits | 55.7510% | 5,211 |
| Net loans and leases to core deposits | 59.5723% | 5,157 |
| Total domestic deposits to total assets | 85.1052% | 3,457 |
| Equity capital to assets | 14.7466% | 761 |
| Core capital (leverage) ratio | 15.4495% | 542 |
| Tier 1 risk-based capital ratio | 30.6254% | 497 |
| Total risk-based capital ratio | 31.5409% | 504 |
| Memoranda: | ||
| Average total assets | $70,943,330 | 5,359 |
| Average earning assets | $65,102,000 | 5,347 |
| Average equity | $10,672,000 | 4,670 |
| Average total loans | $34,925,670 | 5,459 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7592% | 4,637 |
| Cost of funding earning assets | 0.3664% | 4,362 |
| Net interest margin | 3.3927% | 4,150 |
| Noninterest income to average assets | 0.3809% | 4,346 |
| Noninterest expense to average assets | 2.2623% | 5,295 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9926% | 2,235 |
| Return on assets (ROA) | 0.9926% | 2,294 |
| Pretax return on assets | 1.2177% | 2,404 |
| Return on Equity (ROE) | 6.5297% | 3,729 |
| Retained earnings to average equity (ytd only) | 6.5297% | 2,266 |
| Net charge-offs to loans | -0.0116% | 5,111 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0083% | 4,691 |
| Assets per employee ($millions) | 3.5459% | 4,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9514% | 5,695 |
| Loan loss allowance to noncurrent loans | 143.1624% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.3300% | 5,159 |
| Noncurrent loans to loans | 0.6646% | 4,203 |
| Net loans and leases to total assets | 49.1772% | 4,982 |
| Net loans and leases to deposits | 57.9781% | 4,951 |
| Net loans and leases to core deposits | 60.5353% | 4,987 |
| Total domestic deposits to total assets | 84.8203% | 3,947 |
| Equity capital to assets | 15.0472% | 661 |
| Core capital (leverage) ratio | 16.0338% | 475 |
| Tier 1 risk-based capital ratio | 30.7973% | 490 |
| Total risk-based capital ratio | 31.7367% | 499 |
| Memoranda: | ||
| Average total assets | $69,311,500 | 5,467 |
| Average earning assets | $63,311,500 | 5,461 |
| Average equity | $10,536,500 | 4,720 |
| Average total loans | $34,617,500 | 5,517 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8621% | 4,601 |
| Cost of funding earning assets | 0.3989% | 4,667 |
| Net interest margin | 3.4632% | 4,046 |
| Noninterest income to average assets | 0.3633% | 4,708 |
| Noninterest expense to average assets | 2.2903% | 5,411 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0503% | 2,120 |
| Return on assets (ROA) | 1.0503% | 2,189 |
| Pretax return on assets | 1.2915% | 2,194 |
| Return on Equity (ROE) | 6.9629% | 3,575 |
| Retained earnings to average equity (ytd only) | 6.9629% | 1,447 |
| Net charge-offs to loans | 0.0146% | 5,159 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 175.6000% | 266 |
| Efficiency ratio | 63.9425% | 4,906 |
| Assets per employee ($millions) | 3.2241% | 5,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 5,651 |
| Loan loss allowance to noncurrent loans | 84.1310% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 0.5864% | 4,477 |
| Noncurrent loans to loans | 1.1668% | 3,204 |
| Net loans and leases to total assets | 49.7607% | 5,108 |
| Net loans and leases to deposits | 58.8345% | 5,054 |
| Net loans and leases to core deposits | 60.3489% | 5,195 |
| Total domestic deposits to total assets | 84.5774% | 3,937 |
| Equity capital to assets | 15.3635% | 608 |
| Core capital (leverage) ratio | 15.7530% | 498 |
| Tier 1 risk-based capital ratio | 31.3724% | 453 |
| Total risk-based capital ratio | 32.3418% | 454 |
| Memoranda: | ||
| Average total assets | $67,982,800 | 5,539 |
| Average earning assets | $63,178,600 | 5,499 |
| Average equity | $10,254,400 | 4,791 |
| Average total loans | $34,255,000 | 5,573 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8590% | 4,645 |
| Cost of funding earning assets | 0.4012% | 4,809 |
| Net interest margin | 3.4577% | 4,067 |
| Noninterest income to average assets | 0.3585% | 4,827 |
| Noninterest expense to average assets | 2.1944% | 5,618 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0364% | 2,236 |
| Return on assets (ROA) | 1.0364% | 2,319 |
| Pretax return on assets | 1.3891% | 1,965 |
| Return on Equity (ROE) | 6.9031% | 3,708 |
| Retained earnings to average equity (ytd only) | 6.9031% | 1,922 |
| Net charge-offs to loans | -0.0155% | 5,984 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2356% | 5,236 |
| Assets per employee ($millions) | 3.2110% | 5,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 5,669 |
| Loan loss allowance to noncurrent loans | 74.2424% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 0.6851% | 4,404 |
| Noncurrent loans to loans | 1.3608% | 3,143 |
| Net loans and leases to total assets | 49.8384% | 5,159 |
| Net loans and leases to deposits | 58.9772% | 5,094 |
| Net loans and leases to core deposits | 60.4986% | 5,259 |
| Total domestic deposits to total assets | 84.5044% | 3,973 |
| Equity capital to assets | 15.2865% | 663 |
| Core capital (leverage) ratio | 15.7695% | 522 |
| Tier 1 risk-based capital ratio | 31.0663% | 472 |
| Total risk-based capital ratio | 32.0692% | 478 |
| Memoranda: | ||
| Average total assets | $68,052,000 | 5,594 |
| Average earning assets | $63,469,500 | 5,547 |
| Average equity | $10,217,500 | 4,843 |
| Average total loans | $34,312,500 | 5,620 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8654% | 4,603 |
| Cost of funding earning assets | 0.4051% | 4,892 |
| Net interest margin | 3.4603% | 3,955 |
| Noninterest income to average assets | 0.3575% | 4,830 |
| Noninterest expense to average assets | 2.1682% | 5,705 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0607% | 2,075 |
| Return on assets (ROA) | 1.0607% | 2,190 |
| Pretax return on assets | 1.4181% | 1,865 |
| Return on Equity (ROE) | 7.1069% | 3,544 |
| Retained earnings to average equity (ytd only) | 7.1069% | 1,843 |
| Net charge-offs to loans | -0.0174% | 5,929 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4575% | 5,406 |
| Assets per employee ($millions) | 3.2258% | 5,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0111% | 5,772 |
| Loan loss allowance to noncurrent loans | 130.5344% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.3868% | 5,323 |
| Noncurrent loans to loans | 0.7746% | 4,368 |
| Net loans and leases to total assets | 49.4265% | 5,171 |
| Net loans and leases to deposits | 58.2579% | 5,142 |
| Net loans and leases to core deposits | 59.7455% | 5,282 |
| Total domestic deposits to total assets | 84.8408% | 3,972 |
| Equity capital to assets | 15.0013% | 711 |
| Core capital (leverage) ratio | 15.1191% | 593 |
| Tier 1 risk-based capital ratio | 30.4543% | 497 |
| Total risk-based capital ratio | 31.4502% | 505 |
| Memoranda: | ||
| Average total assets | $68,258,670 | 5,627 |
| Average earning assets | $63,694,000 | 5,572 |
| Average equity | $10,187,330 | 4,894 |
| Average total loans | $34,433,330 | 5,646 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8422% | 4,673 |
| Cost of funding earning assets | 0.4048% | 5,058 |
| Net interest margin | 3.4374% | 3,974 |
| Noninterest income to average assets | 0.3911% | 4,530 |
| Noninterest expense to average assets | 2.2126% | 5,652 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0917% | 1,892 |
| Return on assets (ROA) | 1.0917% | 1,999 |
| Pretax return on assets | 1.4011% | 1,848 |
| Return on Equity (ROE) | 7.3333% | 3,303 |
| Retained earnings to average equity (ytd only) | 7.3333% | 2,011 |
| Net charge-offs to loans | -0.0461% | 6,095 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2278% | 5,417 |
| Assets per employee ($millions) | 3.3775% | 5,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 6,023 |
| Loan loss allowance to noncurrent loans | 63.1676% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 0.8038% | 4,363 |
| Noncurrent loans to loans | 1.5642% | 3,195 |
| Net loans and leases to total assets | 50.8823% | 4,865 |
| Net loans and leases to deposits | 60.1565% | 4,775 |
| Net loans and leases to core deposits | 61.6974% | 4,983 |
| Total domestic deposits to total assets | 84.5833% | 4,231 |
| Equity capital to assets | 15.2154% | 709 |
| Core capital (leverage) ratio | 15.1405% | 571 |
| Tier 1 risk-based capital ratio | 29.2313% | 567 |
| Total risk-based capital ratio | 30.2064% | 577 |
| Memoranda: | ||
| Average total assets | $68,517,500 | 5,674 |
| Average earning assets | $64,234,000 | 5,607 |
| Average equity | $10,200,000 | 4,947 |
| Average total loans | $34,738,000 | 5,675 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8985% | 5,578 |
| Cost of funding earning assets | 0.5815% | 4,519 |
| Net interest margin | 3.3170% | 5,196 |
| Noninterest income to average assets | 0.4158% | 4,488 |
| Noninterest expense to average assets | 2.2706% | 5,765 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9711% | 2,459 |
| Return on assets (ROA) | 0.9711% | 2,688 |
| Pretax return on assets | 1.2487% | 2,609 |
| Return on Equity (ROE) | 7.0477% | 3,617 |
| Retained earnings to average equity (ytd only) | 7.0477% | 1,547 |
| Net charge-offs to loans | -0.0176% | 6,536 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5174% | 4,795 |
| Assets per employee ($millions) | 3.6571% | 4,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9752% | 6,049 |
| Loan loss allowance to noncurrent loans | 55.8484% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 0.8736% | 4,302 |
| Noncurrent loans to loans | 1.7462% | 2,993 |
| Net loans and leases to total assets | 49.5402% | 5,227 |
| Net loans and leases to deposits | 58.1146% | 5,231 |
| Net loans and leases to core deposits | 60.0824% | 5,356 |
| Total domestic deposits to total assets | 85.2457% | 3,746 |
| Equity capital to assets | 14.5672% | 852 |
| Core capital (leverage) ratio | 14.3764% | 701 |
| Tier 1 risk-based capital ratio | 28.5037% | 591 |
| Total risk-based capital ratio | 29.4608% | 598 |
| Memoranda: | ||
| Average total assets | $70,951,600 | 5,604 |
| Average earning assets | $66,385,000 | 5,539 |
| Average equity | $9,776,200 | 5,033 |
| Average total loans | $34,079,000 | 5,757 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8819% | 5,828 |
| Cost of funding earning assets | 0.6197% | 4,453 |
| Net interest margin | 3.2623% | 5,507 |
| Noninterest income to average assets | 0.4206% | 4,480 |
| Noninterest expense to average assets | 2.1948% | 5,966 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9871% | 2,575 |
| Return on assets (ROA) | 0.9871% | 2,802 |
| Pretax return on assets | 1.2769% | 2,679 |
| Return on Equity (ROE) | 7.2652% | 3,656 |
| Retained earnings to average equity (ytd only) | 7.2652% | 1,968 |
| Net charge-offs to loans | -0.0275% | 6,564 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2202% | 4,942 |
| Assets per employee ($millions) | 3.5934% | 4,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9773% | 6,166 |
| Loan loss allowance to noncurrent loans | 105.2632% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 5,538 |
| Noncurrent loans to loans | 0.9285% | 4,574 |
| Net loans and leases to total assets | 47.9330% | 5,556 |
| Net loans and leases to deposits | 55.8278% | 5,648 |
| Net loans and leases to core deposits | 60.6415% | 5,493 |
| Total domestic deposits to total assets | 85.8586% | 3,327 |
| Equity capital to assets | 13.8673% | 1,212 |
| Core capital (leverage) ratio | 13.8687% | 876 |
| Tier 1 risk-based capital ratio | 27.5528% | 697 |
| Total risk-based capital ratio | 28.4958% | 705 |
| Memoranda: | ||
| Average total assets | $71,318,250 | 5,658 |
| Average earning assets | $66,700,500 | 5,589 |
| Average equity | $9,689,750 | 5,101 |
| Average total loans | $33,908,250 | 5,837 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9162% | 5,871 |
| Cost of funding earning assets | 0.6406% | 4,523 |
| Net interest margin | 3.2756% | 5,518 |
| Noninterest income to average assets | 0.4555% | 4,250 |
| Noninterest expense to average assets | 2.2520% | 5,863 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9897% | 2,513 |
| Return on assets (ROA) | 0.9897% | 2,742 |
| Pretax return on assets | 1.2511% | 2,724 |
| Return on Equity (ROE) | 7.3351% | 3,595 |
| Retained earnings to average equity (ytd only) | 7.3351% | 1,938 |
| Net charge-offs to loans | -0.0119% | 6,313 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2857% | 4,844 |
| Assets per employee ($millions) | 3.5347% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9835% | 6,221 |
| Loan loss allowance to noncurrent loans | 174.4792% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.3070% | 5,994 |
| Noncurrent loans to loans | 0.5637% | 5,379 |
| Net loans and leases to total assets | 47.7091% | 5,641 |
| Net loans and leases to deposits | 55.5223% | 5,703 |
| Net loans and leases to core deposits | 60.9241% | 5,497 |
| Total domestic deposits to total assets | 85.9279% | 3,390 |
| Equity capital to assets | 13.8458% | 1,167 |
| Core capital (leverage) ratio | 13.6366% | 925 |
| Tier 1 risk-based capital ratio | 28.1800% | 631 |
| Total risk-based capital ratio | 29.1473% | 632 |
| Memoranda: | ||
| Average total assets | $71,135,330 | 5,694 |
| Average earning assets | $66,186,670 | 5,640 |
| Average equity | $9,597,670 | 5,135 |
| Average total loans | $33,615,000 | 5,886 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8972% | 6,026 |
| Cost of funding earning assets | 0.6646% | 4,585 |
| Net interest margin | 3.2326% | 5,689 |
| Noninterest income to average assets | 0.4877% | 3,998 |
| Noninterest expense to average assets | 2.3039% | 5,760 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9922% | 2,510 |
| Return on assets (ROA) | 0.9922% | 2,704 |
| Pretax return on assets | 1.1828% | 2,973 |
| Return on Equity (ROE) | 7.4507% | 3,531 |
| Retained earnings to average equity (ytd only) | 7.4507% | 2,202 |
| Net charge-offs to loans | -0.0719% | 6,675 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0772% | 4,544 |
| Assets per employee ($millions) | 3.6112% | 4,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 6,162 |
| Loan loss allowance to noncurrent loans | 157.6744% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.2977% | 6,150 |
| Noncurrent loans to loans | 0.6505% | 5,341 |
| Net loans and leases to total assets | 45.2966% | 5,870 |
| Net loans and leases to deposits | 52.3775% | 5,948 |
| Net loans and leases to core deposits | 57.2852% | 5,789 |
| Total domestic deposits to total assets | 86.4809% | 3,257 |
| Equity capital to assets | 13.2809% | 1,327 |
| Core capital (leverage) ratio | 13.4847% | 960 |
| Tier 1 risk-based capital ratio | 27.8978% | 649 |
| Total risk-based capital ratio | 28.8846% | 653 |
| Memoranda: | ||
| Average total assets | $71,356,500 | 5,731 |
| Average earning assets | $66,201,000 | 5,679 |
| Average equity | $9,502,500 | 5,169 |
| Average total loans | $33,391,500 | 5,942 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0932% | 6,291 |
| Cost of funding earning assets | 0.7999% | 4,875 |
| Net interest margin | 3.2933% | 5,825 |
| Noninterest income to average assets | 0.4063% | 4,568 |
| Noninterest expense to average assets | 2.4133% | 5,737 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8573% | 2,784 |
| Return on assets (ROA) | 0.8573% | 2,938 |
| Pretax return on assets | 1.0777% | 2,916 |
| Return on Equity (ROE) | 6.5903% | 3,595 |
| Retained earnings to average equity (ytd only) | 6.5903% | 1,701 |
| Net charge-offs to loans | -0.0030% | 6,815 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1292% | 4,125 |
| Assets per employee ($millions) | 3.3566% | 5,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9873% | 6,281 |
| Loan loss allowance to noncurrent loans | 99.1071% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.4767% | 5,773 |
| Noncurrent loans to loans | 0.9962% | 4,712 |
| Net loans and leases to total assets | 47.3776% | 5,888 |
| Net loans and leases to deposits | 54.8753% | 5,987 |
| Net loans and leases to core deposits | 61.2748% | 5,728 |
| Total domestic deposits to total assets | 86.3369% | 3,125 |
| Equity capital to assets | 13.3539% | 1,339 |
| Core capital (leverage) ratio | 13.3923% | 1,012 |
| Tier 1 risk-based capital ratio | 27.3674% | 679 |
| Total risk-based capital ratio | 28.3362% | 676 |
| Memoranda: | ||
| Average total assets | $69,406,200 | 5,759 |
| Average earning assets | $65,010,000 | 5,700 |
| Average equity | $9,028,400 | 5,267 |
| Average total loans | $33,030,800 | 6,012 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1258% | 6,354 |
| Cost of funding earning assets | 0.8169% | 5,035 |
| Net interest margin | 3.3089% | 5,834 |
| Noninterest income to average assets | 0.3818% | 4,795 |
| Noninterest expense to average assets | 2.3528% | 5,899 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9373% | 2,581 |
| Return on assets (ROA) | 0.9373% | 2,745 |
| Pretax return on assets | 1.1301% | 2,895 |
| Return on Equity (ROE) | 7.2544% | 3,401 |
| Retained earnings to average equity (ytd only) | 7.2544% | 1,836 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5526% | 4,408 |
| Assets per employee ($millions) | 3.6097% | 4,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 6,321 |
| Loan loss allowance to noncurrent loans | 193.0233% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.2383% | 6,464 |
| Noncurrent loans to loans | 0.5127% | 5,823 |
| Net loans and leases to total assets | 46.0142% | 6,147 |
| Net loans and leases to deposits | 53.0198% | 6,287 |
| Net loans and leases to core deposits | 58.9596% | 6,060 |
| Total domestic deposits to total assets | 86.7868% | 2,780 |
| Equity capital to assets | 12.9029% | 1,666 |
| Core capital (leverage) ratio | 13.3062% | 1,106 |
| Tier 1 risk-based capital ratio | 26.7123% | 756 |
| Total risk-based capital ratio | 27.6661% | 772 |
| Memoranda: | ||
| Average total assets | $69,135,500 | 5,806 |
| Average earning assets | $64,794,250 | 5,749 |
| Average equity | $8,932,250 | 5,328 |
| Average total loans | $32,856,250 | 6,082 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1939% | 6,288 |
| Cost of funding earning assets | 0.8463% | 5,086 |
| Net interest margin | 3.3476% | 5,714 |
| Noninterest income to average assets | 0.3964% | 4,713 |
| Noninterest expense to average assets | 2.4165% | 5,793 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9484% | 2,443 |
| Return on assets (ROA) | 0.9484% | 2,535 |
| Pretax return on assets | 1.1157% | 2,791 |
| Return on Equity (ROE) | 7.3370% | 3,275 |
| Retained earnings to average equity (ytd only) | 7.3370% | 1,723 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4123% | 4,436 |
| Assets per employee ($millions) | 3.3921% | 5,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0246% | 6,236 |
| Loan loss allowance to noncurrent loans | 307.4074% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 6,696 |
| Noncurrent loans to loans | 0.3333% | 6,249 |
| Net loans and leases to total assets | 47.2745% | 6,125 |
| Net loans and leases to deposits | 54.7491% | 6,246 |
| Net loans and leases to core deposits | 60.9109% | 6,013 |
| Total domestic deposits to total assets | 86.3477% | 3,130 |
| Equity capital to assets | 13.4179% | 1,330 |
| Core capital (leverage) ratio | 13.6574% | 950 |
| Tier 1 risk-based capital ratio | 27.9443% | 659 |
| Total risk-based capital ratio | 28.9599% | 663 |
| Memoranda: | ||
| Average total assets | $68,116,330 | 5,883 |
| Average earning assets | $63,807,670 | 5,833 |
| Average equity | $8,804,670 | 5,378 |
| Average total loans | $32,624,670 | 6,157 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1780% | 6,329 |
| Cost of funding earning assets | 0.8644% | 5,174 |
| Net interest margin | 3.3136% | 5,730 |
| Noninterest income to average assets | 0.4102% | 4,626 |
| Noninterest expense to average assets | 2.4849% | 5,608 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9553% | 2,335 |
| Return on assets (ROA) | 0.9553% | 2,399 |
| Pretax return on assets | 1.0256% | 3,041 |
| Return on Equity (ROE) | 7.5328% | 3,134 |
| Retained earnings to average equity (ytd only) | 7.5328% | 1,922 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7846% | 4,104 |
| Assets per employee ($millions) | 3.4473% | 5,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 6,320 |
| Loan loss allowance to noncurrent loans | 134.4130% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.3583% | 6,309 |
| Noncurrent loans to loans | 0.7574% | 5,513 |
| Net loans and leases to total assets | 46.8207% | 6,207 |
| Net loans and leases to deposits | 53.7417% | 6,311 |
| Net loans and leases to core deposits | 60.0979% | 6,087 |
| Total domestic deposits to total assets | 87.1218% | 2,880 |
| Equity capital to assets | 12.6795% | 1,529 |
| Core capital (leverage) ratio | 13.4783% | 974 |
| Tier 1 risk-based capital ratio | 26.9587% | 712 |
| Total risk-based capital ratio | 27.9560% | 712 |
| Memoranda: | ||
| Average total assets | $68,253,500 | 5,924 |
| Average earning assets | $63,858,000 | 5,866 |
| Average equity | $8,655,500 | 5,420 |
| Average total loans | $32,735,000 | 6,200 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4190% | 6,581 |
| Cost of funding earning assets | 0.9862% | 5,757 |
| Net interest margin | 3.4328% | 5,508 |
| Noninterest income to average assets | 0.4966% | 4,196 |
| Noninterest expense to average assets | 2.7483% | 4,789 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8454% | 2,610 |
| Return on assets (ROA) | 0.8454% | 2,746 |
| Pretax return on assets | 0.9370% | 3,144 |
| Return on Equity (ROE) | 6.1856% | 3,529 |
| Retained earnings to average equity (ytd only) | 6.1856% | 1,725 |
| Net charge-offs to loans | -0.0062% | 7,287 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5748% | 3,282 |
| Assets per employee ($millions) | 3.2172% | 5,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 6,337 |
| Loan loss allowance to noncurrent loans | 150.2262% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.3271% | 6,428 |
| Noncurrent loans to loans | 0.6726% | 5,701 |
| Net loans and leases to total assets | 48.1417% | 6,378 |
| Net loans and leases to deposits | 55.2329% | 6,500 |
| Net loans and leases to core deposits | 61.3563% | 6,288 |
| Total domestic deposits to total assets | 87.1612% | 2,737 |
| Equity capital to assets | 12.6834% | 1,536 |
| Core capital (leverage) ratio | 13.0243% | 1,121 |
| Tier 1 risk-based capital ratio | 26.3092% | 732 |
| Total risk-based capital ratio | 27.3004% | 732 |
| Memoranda: | ||
| Average total assets | $62,220,600 | 6,118 |
| Average earning assets | $57,796,000 | 6,068 |
| Average equity | $8,503,600 | 5,544 |
| Average total loans | $32,474,800 | 6,290 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4466% | 6,735 |
| Cost of funding earning assets | 1.0029% | 5,927 |
| Net interest margin | 3.4438% | 5,518 |
| Noninterest income to average assets | 0.4861% | 4,291 |
| Noninterest expense to average assets | 2.6694% | 5,009 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8847% | 2,675 |
| Return on assets (ROA) | 0.8847% | 2,815 |
| Pretax return on assets | 1.0051% | 3,162 |
| Return on Equity (ROE) | 6.3466% | 3,657 |
| Retained earnings to average equity (ytd only) | 6.3466% | 2,179 |
| Net charge-offs to loans | -0.0206% | 7,357 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6460% | 3,581 |
| Assets per employee ($millions) | 3.1681% | 5,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 6,381 |
| Loan loss allowance to noncurrent loans | 57.9585% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 0.9122% | 5,284 |
| Noncurrent loans to loans | 1.7300% | 4,051 |
| Net loans and leases to total assets | 52.2025% | 6,072 |
| Net loans and leases to deposits | 60.6154% | 6,261 |
| Net loans and leases to core deposits | 62.1659% | 6,452 |
| Total domestic deposits to total assets | 86.1208% | 3,016 |
| Equity capital to assets | 13.7151% | 1,269 |
| Core capital (leverage) ratio | 14.3300% | 852 |
| Tier 1 risk-based capital ratio | 26.6894% | 724 |
| Total risk-based capital ratio | 27.7184% | 722 |
| Memoranda: | ||
| Average total assets | $60,885,500 | 6,237 |
| Average earning assets | $56,371,000 | 6,189 |
| Average equity | $8,487,250 | 5,626 |
| Average total loans | $32,379,250 | 6,373 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4269% | 6,843 |
| Cost of funding earning assets | 1.0210% | 6,049 |
| Net interest margin | 3.4059% | 5,621 |
| Noninterest income to average assets | 0.4995% | 4,126 |
| Noninterest expense to average assets | 2.6906% | 4,945 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8924% | 2,574 |
| Return on assets (ROA) | 0.8924% | 2,698 |
| Pretax return on assets | 0.9857% | 3,172 |
| Return on Equity (ROE) | 6.3660% | 3,610 |
| Retained earnings to average equity (ytd only) | 6.3660% | 2,137 |
| Net charge-offs to loans | -0.0437% | 7,425 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1884% | 3,626 |
| Assets per employee ($millions) | 2.8474% | 6,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0403% | 6,230 |
| Loan loss allowance to noncurrent loans | 59.1228% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 0.9533% | 5,228 |
| Noncurrent loans to loans | 1.7595% | 4,046 |
| Net loans and leases to total assets | 53.6149% | 6,034 |
| Net loans and leases to deposits | 62.7157% | 6,167 |
| Net loans and leases to core deposits | 64.4273% | 6,362 |
| Total domestic deposits to total assets | 85.4888% | 3,375 |
| Equity capital to assets | 14.3055% | 1,066 |
| Core capital (leverage) ratio | 14.2617% | 861 |
| Tier 1 risk-based capital ratio | 27.7155% | 648 |
| Total risk-based capital ratio | 28.8075% | 644 |
| Memoranda: | ||
| Average total assets | $60,060,330 | 6,299 |
| Average earning assets | $56,021,000 | 6,243 |
| Average equity | $8,419,670 | 5,654 |
| Average total loans | $32,035,330 | 6,433 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4145% | 6,974 |
| Cost of funding earning assets | 1.0308% | 6,223 |
| Net interest margin | 3.3838% | 5,644 |
| Noninterest income to average assets | 0.5050% | 4,014 |
| Noninterest expense to average assets | 2.7246% | 4,792 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8838% | 2,616 |
| Return on assets (ROA) | 0.8838% | 2,687 |
| Pretax return on assets | 0.9436% | 3,299 |
| Return on Equity (ROE) | 6.3694% | 3,685 |
| Retained earnings to average equity (ytd only) | 6.3694% | 2,431 |
| Net charge-offs to loans | -0.0628% | 7,410 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2754% | 3,533 |
| Assets per employee ($millions) | 2.8066% | 6,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 6,249 |
| Loan loss allowance to noncurrent loans | 135.0806% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.4208% | 6,414 |
| Noncurrent loans to loans | 0.7743% | 5,779 |
| Net loans and leases to total assets | 53.7759% | 6,054 |
| Net loans and leases to deposits | 62.8844% | 6,185 |
| Net loans and leases to core deposits | 64.6046% | 6,412 |
| Total domestic deposits to total assets | 85.5155% | 3,409 |
| Equity capital to assets | 14.2843% | 1,071 |
| Core capital (leverage) ratio | 14.0896% | 938 |
| Tier 1 risk-based capital ratio | 27.5864% | 666 |
| Total risk-based capital ratio | 28.6843% | 665 |
| Memoranda: | ||
| Average total assets | $60,193,000 | 6,371 |
| Average earning assets | $56,268,500 | 6,314 |
| Average equity | $8,352,500 | 5,729 |
| Average total loans | $31,855,000 | 6,527 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6861% | 7,158 |
| Cost of funding earning assets | 1.2187% | 6,594 |
| Net interest margin | 3.4674% | 5,093 |
| Noninterest income to average assets | 0.5410% | 4,103 |
| Noninterest expense to average assets | 2.8795% | 4,610 |
| Loan and lease loss provision to assets | 0.0370% | 7,171 |
| Net operating income to assets | 0.7493% | 2,725 |
| Return on assets (ROA) | 0.7493% | 2,816 |
| Pretax return on assets | 0.8652% | 3,032 |
| Return on Equity (ROE) | 4.9572% | 3,686 |
| Retained earnings to average equity (ytd only) | -8.6696% | 6,406 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1439% | 3,500 |
| Assets per employee ($millions) | 2.9260% | 6,396 |
| Cash dividends to net income (ytd only)* | 274.8879% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0417% | 6,167 |
| Loan loss allowance to noncurrent loans | 68.6071% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 0.7828% | 5,540 |
| Noncurrent loans to loans | 1.5183% | 4,376 |
| Net loans and leases to total assets | 51.0196% | 6,525 |
| Net loans and leases to deposits | 59.1108% | 6,698 |
| Net loans and leases to core deposits | 64.6472% | 7,050 |
| Total domestic deposits to total assets | 86.3118% | 2,864 |
| Equity capital to assets | 13.4848% | 1,327 |
| Core capital (leverage) ratio | 13.1533% | 1,196 |
| Tier 1 risk-based capital ratio | 27.1115% | 696 |
| Total risk-based capital ratio | 28.1914% | 690 |
| Memoranda: | ||
| Average total assets | $59,524,600 | 6,370 |
| Average earning assets | $55,632,800 | 6,309 |
| Average equity | $8,997,000 | 5,603 |
| Average total loans | $31,438,800 | 6,557 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7676% | 7,179 |
| Cost of funding earning assets | 1.2499% | 6,728 |
| Net interest margin | 3.5177% | 4,795 |
| Noninterest income to average assets | 0.5397% | 4,161 |
| Noninterest expense to average assets | 2.8565% | 4,634 |
| Loan and lease loss provision to assets | 0.0497% | 6,875 |
| Net operating income to assets | 0.8039% | 2,798 |
| Return on assets (ROA) | 0.8039% | 2,865 |
| Pretax return on assets | 0.9191% | 3,167 |
| Return on Equity (ROE) | 5.1734% | 3,893 |
| Retained earnings to average equity (ytd only) | 3.7202% | 3,206 |
| Net charge-offs to loans | 0.0170% | 6,678 |
| Credit loss provision to net charge-offs | 550.0000% | 712 |
| Earnings coverage of net charge-offs (x) | 107.3152% | 339 |
| Efficiency ratio | 74.6753% | 3,746 |
| Assets per employee ($millions) | 2.8634% | 6,503 |
| Cash dividends to net income (ytd only)* | 28.0902% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 6,116 |
| Loan loss allowance to noncurrent loans | 89.0710% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.6087% | 5,928 |
| Noncurrent loans to loans | 1.1556% | 5,010 |
| Net loans and leases to total assets | 52.1312% | 6,587 |
| Net loans and leases to deposits | 61.8211% | 6,690 |
| Net loans and leases to core deposits | 67.8800% | 7,080 |
| Total domestic deposits to total assets | 84.3259% | 3,563 |
| Equity capital to assets | 15.5028% | 890 |
| Core capital (leverage) ratio | 15.7447% | 721 |
| Tier 1 risk-based capital ratio | 31.0731% | 513 |
| Total risk-based capital ratio | 32.1599% | 507 |
| Memoranda: | ||
| Average total assets | $59,044,000 | 6,422 |
| Average earning assets | $55,148,250 | 6,374 |
| Average equity | $9,174,750 | 5,604 |
| Average total loans | $31,378,500 | 6,607 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8652% | 7,106 |
| Cost of funding earning assets | 1.2868% | 6,850 |
| Net interest margin | 3.5784% | 4,455 |
| Noninterest income to average assets | 0.5555% | 3,989 |
| Noninterest expense to average assets | 2.9208% | 4,430 |
| Loan and lease loss provision to assets | 0.0511% | 6,714 |
| Net operating income to assets | 0.8384% | 2,706 |
| Return on assets (ROA) | 0.8384% | 2,802 |
| Pretax return on assets | 0.9577% | 3,154 |
| Return on Equity (ROE) | 5.3914% | 3,910 |
| Retained earnings to average equity (ytd only) | 3.1998% | 3,534 |
| Net charge-offs to loans | 0.0192% | 6,249 |
| Credit loss provision to net charge-offs | 500.0000% | 917 |
| Earnings coverage of net charge-offs (x) | 98.6667% | 387 |
| Efficiency ratio | 74.3278% | 3,987 |
| Assets per employee ($millions) | 2.6697% | 6,902 |
| Cash dividends to net income (ytd only)* | 40.6504% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 6,223 |
| Loan loss allowance to noncurrent loans | 864.8649% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 7,438 |
| Noncurrent loans to loans | 0.1159% | 7,231 |
| Net loans and leases to total assets | 53.8206% | 6,477 |
| Net loans and leases to deposits | 64.0898% | 6,553 |
| Net loans and leases to core deposits | 71.8497% | 6,909 |
| Total domestic deposits to total assets | 83.9769% | 3,791 |
| Equity capital to assets | 15.6826% | 888 |
| Core capital (leverage) ratio | 15.5198% | 823 |
| Tier 1 risk-based capital ratio | 30.7618% | 557 |
| Total risk-based capital ratio | 31.8305% | 555 |
| Memoranda: | ||
| Average total assets | $58,681,670 | 6,489 |
| Average earning assets | $55,332,000 | 6,416 |
| Average equity | $9,125,670 | 5,642 |
| Average total loans | $31,280,330 | 6,656 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9134% | 7,139 |
| Cost of funding earning assets | 1.3387% | 6,908 |
| Net interest margin | 3.5747% | 4,432 |
| Noninterest income to average assets | 0.5115% | 4,216 |
| Noninterest expense to average assets | 2.7892% | 4,599 |
| Loan and lease loss provision to assets | 0.0477% | 6,373 |
| Net operating income to assets | 0.9274% | 2,588 |
| Return on assets (ROA) | 0.9274% | 2,722 |
| Pretax return on assets | 1.0434% | 3,188 |
| Return on Equity (ROE) | 5.9892% | 4,042 |
| Retained earnings to average equity (ytd only) | 1.5854% | 4,967 |
| Net charge-offs to loans | -0.0129% | 7,338 |
| Credit loss provision to net charge-offs | -700.0000% | 6,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8805% | 4,213 |
| Assets per employee ($millions) | 2.7030% | 6,879 |
| Cash dividends to net income (ytd only)* | 73.5294% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 5,934 |
| Loan loss allowance to noncurrent loans | 987.5000% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 7,438 |
| Noncurrent loans to loans | 0.1043% | 7,232 |
| Net loans and leases to total assets | 51.0452% | 6,765 |
| Net loans and leases to deposits | 60.4469% | 6,860 |
| Net loans and leases to core deposits | 67.5163% | 7,161 |
| Total domestic deposits to total assets | 84.4463% | 3,489 |
| Equity capital to assets | 15.3048% | 1,011 |
| Core capital (leverage) ratio | 15.5077% | 861 |
| Tier 1 risk-based capital ratio | 30.4646% | 602 |
| Total risk-based capital ratio | 31.5224% | 596 |
| Memoranda: | ||
| Average total assets | $58,655,500 | 6,520 |
| Average earning assets | $55,277,500 | 6,446 |
| Average equity | $9,083,000 | 5,674 |
| Average total loans | $30,955,000 | 6,704 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4846% | 7,337 |
| Cost of funding earning assets | 1.8509% | 6,868 |
| Net interest margin | 3.6337% | 4,739 |
| Noninterest income to average assets | 1.6218% | 528 |
| Noninterest expense to average assets | 2.7784% | 4,915 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6082% | 825 |
| Return on assets (ROA) | 1.6082% | 788 |
| Pretax return on assets | 2.2223% | 377 |
| Return on Equity (ROE) | 10.4696% | 2,095 |
| Retained earnings to average equity (ytd only) | 7.3510% | 1,035 |
| Net charge-offs to loans | -0.1692% | 8,151 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5594% | 7,079 |
| Assets per employee ($millions) | 2.6294% | 6,939 |
| Cash dividends to net income (ytd only)* | 29.7872% | 4,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9859% | 6,173 |
| Loan loss allowance to noncurrent loans | 224.8175% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 6,625 |
| Noncurrent loans to loans | 0.4385% | 6,039 |
| Net loans and leases to total assets | 53.4730% | 6,707 |
| Net loans and leases to deposits | 63.6933% | 6,828 |
| Net loans and leases to core deposits | 71.1686% | 7,125 |
| Total domestic deposits to total assets | 83.9539% | 3,345 |
| Equity capital to assets | 15.6709% | 1,007 |
| Core capital (leverage) ratio | 15.6105% | 900 |
| Tier 1 risk-based capital ratio | 30.1373% | 636 |
| Total risk-based capital ratio | 31.1613% | 626 |
| Memoranda: | ||
| Average total assets | $58,451,800 | 6,432 |
| Average earning assets | $54,352,600 | 6,396 |
| Average equity | $8,978,400 | 5,743 |
| Average total loans | $28,362,000 | 6,811 |