Home > Audubon State Bank > Performance and Condition Ratios
Audubon State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7761% | 2,522 |
| Cost of funding earning assets | 1.2020% | 2,796 |
| Net interest margin | 3.5740% | 2,017 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 1.8237% | 3,963 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.4897% | 1,036 |
| Return on assets (ROA) | 1.4897% | 1,006 |
| Pretax return on assets | 1.5271% | 1,362 |
| Return on Equity (ROE) | 14.8300% | 1,317 |
| Retained earnings to average equity (ytd only) | 7.8268% | 1,595 |
| Net charge-offs to loans | 0.0010% | 2,843 |
| Credit loss provision to net charge-offs | 3,000.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 2,234.0000% | 67 |
| Efficiency ratio | 51.9934% | 3,833 |
| Assets per employee ($millions) | 8.6229% | 1,142 |
| Cash dividends to net income (ytd only)* | 47.2093% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9867% | 3,377 |
| Loan loss allowance to noncurrent loans | 2,484.0909% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 3,442 |
| Noncurrent loans to loans | 0.0397% | 3,438 |
| Net loans and leases to total assets | 79.5000% | 699 |
| Net loans and leases to deposits | 95.5783% | 820 |
| Net loans and leases to core deposits | 106.0193% | 1,112 |
| Total domestic deposits to total assets | 83.1700% | 2,846 |
| Equity capital to assets | 11.1548% | 1,415 |
| Core capital (leverage) ratio | 9.9431% | 2,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8560% | 1,913 |
| Memoranda: | ||
| Average total assets | $144,325,600 | 3,421 |
| Average earning assets | $130,944,400 | 3,439 |
| Average equity | $14,501,400 | 3,306 |
| Average total loans | $104,297,200 | 3,129 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6047% | 2,663 |
| Cost of funding earning assets | 1.0901% | 2,772 |
| Net interest margin | 3.5146% | 2,176 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 1.7224% | 4,088 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.4565% | 1,208 |
| Return on assets (ROA) | 1.4565% | 1,189 |
| Pretax return on assets | 1.5324% | 1,502 |
| Return on Equity (ROE) | 14.8800% | 1,465 |
| Retained earnings to average equity (ytd only) | 7.7406% | 2,058 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.3619% | 3,886 |
| Assets per employee ($millions) | 8.9124% | 960 |
| Cash dividends to net income (ytd only)* | 47.9925% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0218% | 3,246 |
| Loan loss allowance to noncurrent loans | 2,378.2609% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 3,478 |
| Noncurrent loans to loans | 0.0430% | 3,455 |
| Net loans and leases to total assets | 74.3200% | 1,304 |
| Net loans and leases to deposits | 86.9896% | 1,470 |
| Net loans and leases to core deposits | 95.9554% | 1,550 |
| Total domestic deposits to total assets | 85.4300% | 2,376 |
| Equity capital to assets | 10.3598% | 1,614 |
| Core capital (leverage) ratio | 9.5758% | 3,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7998% | 1,972 |
| Memoranda: | ||
| Average total assets | $145,915,250 | 3,409 |
| Average earning assets | $131,978,250 | 3,436 |
| Average equity | $14,279,250 | 3,315 |
| Average total loans | $102,678,750 | 3,147 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3926% | 2,900 |
| Cost of funding earning assets | 0.9642% | 2,722 |
| Net interest margin | 3.4285% | 2,453 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 1.7317% | 4,105 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4937% | 1,111 |
| Return on assets (ROA) | 1.4937% | 1,109 |
| Pretax return on assets | 1.5739% | 1,458 |
| Return on Equity (ROE) | 15.5600% | 1,348 |
| Retained earnings to average equity (ytd only) | 8.4735% | 1,826 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.2881% | 3,902 |
| Assets per employee ($millions) | 9.9695% | 680 |
| Cash dividends to net income (ytd only)* | 45.5373% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 3,134 |
| Loan loss allowance to noncurrent loans | 2,364.4444% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 3,486 |
| Noncurrent loans to loans | 0.0449% | 3,398 |
| Net loans and leases to total assets | 66.3300% | 2,119 |
| Net loans and leases to deposits | 76.3982% | 2,271 |
| Net loans and leases to core deposits | 84.0250% | 2,209 |
| Total domestic deposits to total assets | 86.8200% | 1,982 |
| Equity capital to assets | 9.6769% | 2,043 |
| Core capital (leverage) ratio | 9.2363% | 3,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3841% | 1,765 |
| Memoranda: | ||
| Average total assets | $147,020,667 | 3,410 |
| Average earning assets | $133,587,333 | 3,430 |
| Average equity | $14,114,667 | 3,344 |
| Average total loans | $101,215,000 | 3,161 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1935% | 3,062 |
| Cost of funding earning assets | 0.7865% | 2,782 |
| Net interest margin | 3.4071% | 2,612 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 1.6850% | 4,209 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5724% | 1,032 |
| Return on assets (ROA) | 1.5724% | 1,031 |
| Pretax return on assets | 1.6548% | 1,362 |
| Return on Equity (ROE) | 16.4500% | 1,272 |
| Retained earnings to average equity (ytd only) | 9.2706% | 1,869 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.3977% | 4,062 |
| Assets per employee ($millions) | 9.8316% | 737 |
| Cash dividends to net income (ytd only)* | 43.6300% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 2,933 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 63.3800% | 2,307 |
| Net loans and leases to deposits | 72.8893% | 2,390 |
| Net loans and leases to core deposits | 78.7753% | 2,335 |
| Total domestic deposits to total assets | 86.9600% | 2,280 |
| Equity capital to assets | 9.6431% | 2,038 |
| Core capital (leverage) ratio | 8.8976% | 3,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3654% | 1,529 |
| Memoranda: | ||
| Average total assets | $145,760,000 | 3,467 |
| Average earning assets | $134,779,000 | 3,463 |
| Average equity | $13,936,500 | 3,395 |
| Average total loans | $101,698,500 | 3,194 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4910% | 3,097 |
| Cost of funding earning assets | 0.2460% | 3,355 |
| Net interest margin | 3.2451% | 2,720 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 1.6448% | 4,254 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.5733% | 732 |
| Return on assets (ROA) | 1.5733% | 699 |
| Pretax return on assets | 1.6239% | 1,101 |
| Return on Equity (ROE) | 16.1600% | 1,027 |
| Retained earnings to average equity (ytd only) | -1.8458% | 4,473 |
| Net charge-offs to loans | 0.0129% | 1,901 |
| Credit loss provision to net charge-offs | 500.0000% | 676 |
| Earnings coverage of net charge-offs (x) | 185.0000% | 688 |
| Efficiency ratio | 47.4974% | 4,272 |
| Assets per employee ($millions) | 10.2890% | 613 |
| Cash dividends to net income (ytd only)* | 111.4248% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9774% | 3,482 |
| Loan loss allowance to noncurrent loans | 2,364.4444% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.0312% | 3,496 |
| Noncurrent loans to loans | 0.0413% | 3,473 |
| Net loans and leases to total assets | 74.8300% | 1,142 |
| Net loans and leases to deposits | 87.8446% | 1,185 |
| Net loans and leases to core deposits | 93.8123% | 1,305 |
| Total domestic deposits to total assets | 85.1900% | 2,940 |
| Equity capital to assets | 9.4775% | 2,026 |
| Core capital (leverage) ratio | 8.8796% | 3,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0180% | 2,367 |
| Memoranda: | ||
| Average total assets | $144,093,800 | 3,502 |
| Average earning assets | $134,974,800 | 3,470 |
| Average equity | $14,031,600 | 3,462 |
| Average total loans | $100,714,200 | 3,143 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2895% | 3,206 |
| Cost of funding earning assets | 0.1887% | 3,408 |
| Net interest margin | 3.1008% | 2,937 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 1.6349% | 4,264 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.4841% | 885 |
| Return on assets (ROA) | 1.4841% | 869 |
| Pretax return on assets | 1.5618% | 1,225 |
| Return on Equity (ROE) | 15.1400% | 1,141 |
| Retained earnings to average equity (ytd only) | -7.0976% | 4,640 |
| Net charge-offs to loans | 0.0122% | 1,662 |
| Credit loss provision to net charge-offs | 388.8889% | 718 |
| Earnings coverage of net charge-offs (x) | 191.4444% | 637 |
| Efficiency ratio | 48.4527% | 4,248 |
| Assets per employee ($millions) | 9.3308% | 795 |
| Cash dividends to net income (ytd only)* | 146.8828% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0292% | 3,352 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 71.3200% | 1,360 |
| Net loans and leases to deposits | 81.6227% | 1,473 |
| Net loans and leases to core deposits | 84.8787% | 1,592 |
| Total domestic deposits to total assets | 87.3700% | 2,634 |
| Equity capital to assets | 9.2118% | 2,068 |
| Core capital (leverage) ratio | 8.2578% | 4,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5428% | 2,243 |
| Memoranda: | ||
| Average total assets | $144,105,750 | 3,526 |
| Average earning assets | $135,661,750 | 3,491 |
| Average equity | $14,126,500 | 3,493 |
| Average total loans | $98,678,000 | 3,172 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0819% | 3,354 |
| Cost of funding earning assets | 0.1677% | 3,346 |
| Net interest margin | 2.9143% | 3,128 |
| Noninterest income to average assets | 0.2213% | 3,871 |
| Noninterest expense to average assets | 1.6208% | 4,279 |
| Loan and lease loss provision to assets | 0.0137% | 2,350 |
| Net operating income to assets | 1.2688% | 1,226 |
| Return on assets (ROA) | 1.2688% | 1,208 |
| Pretax return on assets | 1.3348% | 1,629 |
| Return on Equity (ROE) | 12.6980% | 1,464 |
| Retained earnings to average equity (ytd only) | 1.6096% | 3,853 |
| Net charge-offs to loans | 0.0184% | 1,369 |
| Credit loss provision to net charge-offs | 111.1111% | 1,216 |
| Earnings coverage of net charge-offs (x) | 109.0000% | 779 |
| Efficiency ratio | 52.2222% | 4,114 |
| Assets per employee ($millions) | 10.2759% | 610 |
| Cash dividends to net income (ytd only)* | 87.3239% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 3,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 64.5427% | 1,848 |
| Net loans and leases to deposits | 74.3609% | 1,828 |
| Net loans and leases to core deposits | 78.9191% | 1,782 |
| Total domestic deposits to total assets | 86.7965% | 3,010 |
| Equity capital to assets | 9.8052% | 1,816 |
| Core capital (leverage) ratio | 9.0993% | 3,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2711% | 1,637 |
| Memoranda: | ||
| Average total assets | $145,487,000 | 3,546 |
| Average earning assets | $137,187,333 | 3,522 |
| Average equity | $14,537,667 | 3,542 |
| Average total loans | $97,953,333 | 3,212 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0028% | 3,249 |
| Cost of funding earning assets | 0.1565% | 3,411 |
| Net interest margin | 2.8463% | 2,993 |
| Noninterest income to average assets | 0.2625% | 3,554 |
| Noninterest expense to average assets | 1.5557% | 4,358 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3233% | 952 |
| Return on assets (ROA) | 1.3233% | 941 |
| Pretax return on assets | 1.3917% | 1,272 |
| Return on Equity (ROE) | 13.1223% | 1,007 |
| Retained earnings to average equity (ytd only) | 8.2421% | 1,507 |
| Net charge-offs to loans | 0.0360% | 940 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 56.5556% | 876 |
| Efficiency ratio | 50.4638% | 4,292 |
| Assets per employee ($millions) | 10.5135% | 589 |
| Cash dividends to net income (ytd only)* | 37.1901% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0930% | 3,350 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 61.6629% | 1,901 |
| Net loans and leases to deposits | 71.1003% | 1,858 |
| Net loans and leases to core deposits | 74.8396% | 1,865 |
| Total domestic deposits to total assets | 86.7266% | 3,026 |
| Equity capital to assets | 9.8737% | 1,990 |
| Core capital (leverage) ratio | 8.9547% | 3,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5399% | 1,633 |
| Memoranda: | ||
| Average total assets | $146,299,000 | 3,552 |
| Average earning assets | $138,002,500 | 3,520 |
| Average equity | $14,753,500 | 3,584 |
| Average total loans | $99,997,000 | 3,191 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6378% | 2,287 |
| Cost of funding earning assets | 0.2042% | 3,421 |
| Net interest margin | 3.4335% | 1,924 |
| Noninterest income to average assets | 0.1825% | 4,241 |
| Noninterest expense to average assets | 1.8164% | 4,114 |
| Loan and lease loss provision to assets | 0.0519% | 2,016 |
| Net operating income to assets | 1.4406% | 1,158 |
| Return on assets (ROA) | 1.4406% | 1,234 |
| Pretax return on assets | 1.5163% | 1,665 |
| Return on Equity (ROE) | 13.2339% | 1,386 |
| Retained earnings to average equity (ytd only) | 2.2200% | 3,916 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4919% | 4,160 |
| Assets per employee ($millions) | 9.6939% | 731 |
| Cash dividends to net income (ytd only)* | 83.2248% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 3,980 |
| Loan loss allowance to noncurrent loans | 9,200.0000% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 4,085 |
| Noncurrent loans to loans | 0.0102% | 4,022 |
| Net loans and leases to total assets | 73.7355% | 686 |
| Net loans and leases to deposits | 85.8431% | 792 |
| Net loans and leases to core deposits | 90.4450% | 955 |
| Total domestic deposits to total assets | 85.8956% | 2,947 |
| Equity capital to assets | 10.2978% | 2,374 |
| Core capital (leverage) ratio | 8.9383% | 3,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0590% | 2,609 |
| Memoranda: | ||
| Average total assets | $138,625,200 | 3,595 |
| Average earning assets | $129,283,200 | 3,585 |
| Average equity | $15,090,000 | 3,623 |
| Average total loans | $97,701,200 | 3,230 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7994% | 2,012 |
| Cost of funding earning assets | 0.2158% | 3,459 |
| Net interest margin | 3.5836% | 1,639 |
| Noninterest income to average assets | 0.1850% | 4,272 |
| Noninterest expense to average assets | 1.7420% | 4,266 |
| Loan and lease loss provision to assets | 0.0197% | 2,609 |
| Net operating income to assets | 1.6670% | 888 |
| Return on assets (ROA) | 1.6670% | 930 |
| Pretax return on assets | 1.7546% | 1,266 |
| Return on Equity (ROE) | 15.0976% | 1,119 |
| Retained earnings to average equity (ytd only) | 2.0900% | 4,168 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4384% | 4,411 |
| Assets per employee ($millions) | 9.4118% | 792 |
| Cash dividends to net income (ytd only)* | 86.1565% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 3,674 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 64.2052% | 1,744 |
| Net loans and leases to deposits | 74.9041% | 1,769 |
| Net loans and leases to core deposits | 79.0503% | 1,817 |
| Total domestic deposits to total assets | 85.7165% | 2,862 |
| Equity capital to assets | 10.5874% | 2,381 |
| Core capital (leverage) ratio | 8.9689% | 3,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2635% | 1,876 |
| Memoranda: | ||
| Average total assets | $136,929,250 | 3,649 |
| Average earning assets | $127,278,750 | 3,642 |
| Average equity | $15,119,000 | 3,668 |
| Average total loans | $95,069,000 | 3,305 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1299% | 1,289 |
| Cost of funding earning assets | 0.2213% | 3,552 |
| Net interest margin | 3.9086% | 957 |
| Noninterest income to average assets | 0.1933% | 4,231 |
| Noninterest expense to average assets | 1.7415% | 4,300 |
| Loan and lease loss provision to assets | 0.0295% | 2,389 |
| Net operating income to assets | 1.9688% | 513 |
| Return on assets (ROA) | 1.9688% | 539 |
| Pretax return on assets | 2.0721% | 717 |
| Return on Equity (ROE) | 17.5800% | 700 |
| Retained earnings to average equity (ytd only) | 6.9318% | 2,456 |
| Net charge-offs to loans | -0.0042% | 3,375 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3564% | 4,650 |
| Assets per employee ($millions) | 9.0293% | 853 |
| Cash dividends to net income (ytd only)* | 60.5697% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 3,803 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 69.9225% | 1,204 |
| Net loans and leases to deposits | 82.1355% | 1,209 |
| Net loans and leases to core deposits | 86.9170% | 1,351 |
| Total domestic deposits to total assets | 85.1307% | 3,043 |
| Equity capital to assets | 11.2795% | 1,770 |
| Core capital (leverage) ratio | 8.8929% | 3,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3172% | 1,861 |
| Memoranda: | ||
| Average total assets | $135,513,333 | 3,680 |
| Average earning assets | $126,542,000 | 3,664 |
| Average equity | $15,176,333 | 3,658 |
| Average total loans | $96,224,333 | 3,308 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5861% | 688 |
| Cost of funding earning assets | 0.2244% | 3,685 |
| Net interest margin | 4.3617% | 460 |
| Noninterest income to average assets | 0.2243% | 4,040 |
| Noninterest expense to average assets | 1.7853% | 4,241 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.3873% | 320 |
| Return on assets (ROA) | 2.3873% | 347 |
| Pretax return on assets | 2.5113% | 431 |
| Return on Equity (ROE) | 21.3936% | 438 |
| Retained earnings to average equity (ytd only) | 17.0038% | 424 |
| Net charge-offs to loans | -0.0207% | 4,013 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8352% | 4,746 |
| Assets per employee ($millions) | 9.5613% | 688 |
| Cash dividends to net income (ytd only)* | 20.5192% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9710% | 3,961 |
| Loan loss allowance to noncurrent loans | 31,500.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 4,395 |
| Noncurrent loans to loans | 0.0031% | 4,317 |
| Net loans and leases to total assets | 67.1996% | 1,638 |
| Net loans and leases to deposits | 78.2853% | 1,692 |
| Net loans and leases to core deposits | 82.7498% | 1,775 |
| Total domestic deposits to total assets | 85.8394% | 2,794 |
| Equity capital to assets | 10.7587% | 2,032 |
| Core capital (leverage) ratio | 9.4045% | 3,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6080% | 2,042 |
| Memoranda: | ||
| Average total assets | $135,550,000 | 3,688 |
| Average earning assets | $126,556,000 | 3,664 |
| Average equity | $15,126,000 | 3,670 |
| Average total loans | $96,504,000 | 3,316 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2120% | 2,101 |
| Cost of funding earning assets | 0.4960% | 2,975 |
| Net interest margin | 3.7160% | 1,741 |
| Noninterest income to average assets | 0.1695% | 4,441 |
| Noninterest expense to average assets | 1.9363% | 4,253 |
| Loan and lease loss provision to assets | 0.0404% | 3,897 |
| Net operating income to assets | 1.5642% | 688 |
| Return on assets (ROA) | 1.5642% | 751 |
| Pretax return on assets | 1.6457% | 966 |
| Return on Equity (ROE) | 13.1226% | 1,012 |
| Retained earnings to average equity (ytd only) | 2.0855% | 3,788 |
| Net charge-offs to loans | 0.0053% | 3,156 |
| Credit loss provision to net charge-offs | 1,000.0000% | 779 |
| Earnings coverage of net charge-offs (x) | 417.8000% | 271 |
| Efficiency ratio | 51.1809% | 4,455 |
| Assets per employee ($millions) | 8.5121% | 891 |
| Cash dividends to net income (ytd only)* | 84.1073% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9824% | 3,930 |
| Loan loss allowance to noncurrent loans | 2,410.2564% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 4,207 |
| Noncurrent loans to loans | 0.0408% | 4,136 |
| Net loans and leases to total assets | 74.2052% | 996 |
| Net loans and leases to deposits | 84.2629% | 1,428 |
| Net loans and leases to core deposits | 89.7394% | 1,546 |
| Total domestic deposits to total assets | 88.0640% | 1,443 |
| Equity capital to assets | 11.6086% | 1,803 |
| Core capital (leverage) ratio | 9.3631% | 3,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2101% | 2,165 |
| Memoranda: | ||
| Average total assets | $123,898,400 | 3,699 |
| Average earning assets | $115,123,800 | 3,689 |
| Average equity | $14,768,400 | 3,672 |
| Average total loans | $93,677,800 | 3,346 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4000% | 1,852 |
| Cost of funding earning assets | 0.5640% | 2,842 |
| Net interest margin | 3.8360% | 1,517 |
| Noninterest income to average assets | 0.1757% | 4,412 |
| Noninterest expense to average assets | 1.8294% | 4,443 |
| Loan and lease loss provision to assets | 0.0545% | 3,670 |
| Net operating income to assets | 1.7697% | 488 |
| Return on assets (ROA) | 1.7697% | 544 |
| Pretax return on assets | 1.8619% | 693 |
| Return on Equity (ROE) | 14.7472% | 736 |
| Retained earnings to average equity (ytd only) | 1.6446% | 4,041 |
| Net charge-offs to loans | 0.0072% | 2,865 |
| Credit loss provision to net charge-offs | 1,000.0000% | 820 |
| Earnings coverage of net charge-offs (x) | 353.4000% | 319 |
| Efficiency ratio | 46.6416% | 4,684 |
| Assets per employee ($millions) | 8.4426% | 864 |
| Cash dividends to net income (ytd only)* | 88.8480% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 3,691 |
| Loan loss allowance to noncurrent loans | 1,620.6897% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0458% | 4,212 |
| Noncurrent loans to loans | 0.0620% | 4,123 |
| Net loans and leases to total assets | 73.1576% | 1,480 |
| Net loans and leases to deposits | 82.9255% | 2,027 |
| Net loans and leases to core deposits | 89.0356% | 2,059 |
| Total domestic deposits to total assets | 88.2208% | 1,104 |
| Equity capital to assets | 11.5367% | 1,977 |
| Core capital (leverage) ratio | 9.4696% | 3,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6795% | 1,937 |
| Memoranda: | ||
| Average total assets | $122,952,750 | 3,702 |
| Average earning assets | $114,421,000 | 3,689 |
| Average equity | $14,755,000 | 3,682 |
| Average total loans | $93,175,750 | 3,363 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6832% | 1,444 |
| Cost of funding earning assets | 0.6678% | 2,576 |
| Net interest margin | 4.0155% | 1,282 |
| Noninterest income to average assets | 0.1742% | 4,419 |
| Noninterest expense to average assets | 1.8714% | 4,462 |
| Loan and lease loss provision to assets | 0.0822% | 3,256 |
| Net operating income to assets | 1.8567% | 448 |
| Return on assets (ROA) | 1.8567% | 490 |
| Pretax return on assets | 1.9552% | 602 |
| Return on Equity (ROE) | 15.2668% | 673 |
| Retained earnings to average equity (ytd only) | 10.8759% | 623 |
| Net charge-offs to loans | 0.0107% | 2,567 |
| Credit loss provision to net charge-offs | 1,000.0000% | 787 |
| Earnings coverage of net charge-offs (x) | 248.0000% | 375 |
| Efficiency ratio | 45.7335% | 4,738 |
| Assets per employee ($millions) | 7.7680% | 1,053 |
| Cash dividends to net income (ytd only)* | 28.7611% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9690% | 3,715 |
| Loan loss allowance to noncurrent loans | 591.1950% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.1279% | 3,890 |
| Noncurrent loans to loans | 0.1639% | 3,796 |
| Net loans and leases to total assets | 77.2979% | 953 |
| Net loans and leases to deposits | 88.3543% | 1,518 |
| Net loans and leases to core deposits | 95.3057% | 1,634 |
| Total domestic deposits to total assets | 87.4863% | 1,422 |
| Equity capital to assets | 12.2699% | 1,500 |
| Core capital (leverage) ratio | 10.0839% | 2,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9188% | 1,851 |
| Memoranda: | ||
| Average total assets | $121,724,000 | 3,702 |
| Average earning assets | $113,212,000 | 3,686 |
| Average equity | $14,803,333 | 3,681 |
| Average total loans | $93,039,000 | 3,354 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6046% | 1,986 |
| Cost of funding earning assets | 0.8499% | 2,114 |
| Net interest margin | 3.7547% | 2,124 |
| Noninterest income to average assets | 0.2026% | 4,339 |
| Noninterest expense to average assets | 1.9362% | 4,508 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6572% | 553 |
| Return on assets (ROA) | 1.6572% | 609 |
| Pretax return on assets | 1.7436% | 784 |
| Return on Equity (ROE) | 13.6900% | 764 |
| Retained earnings to average equity (ytd only) | 8.7517% | 1,037 |
| Net charge-offs to loans | 0.0527% | 1,484 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 43.7500% | 982 |
| Efficiency ratio | 50.3610% | 4,645 |
| Assets per employee ($millions) | 8.1189% | 707 |
| Cash dividends to net income (ytd only)* | 36.0721% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9588% | 3,894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 74.8965% | 1,472 |
| Net loans and leases to deposits | 85.5046% | 2,055 |
| Net loans and leases to core deposits | 96.2152% | 1,774 |
| Total domestic deposits to total assets | 87.5936% | 1,276 |
| Equity capital to assets | 12.1371% | 1,971 |
| Core capital (leverage) ratio | 9.8892% | 3,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1033% | 2,236 |
| Memoranda: | ||
| Average total assets | $120,442,000 | 3,695 |
| Average earning assets | $111,541,000 | 3,691 |
| Average equity | $14,580,000 | 3,706 |
| Average total loans | $91,052,500 | 3,372 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0358% | 1,383 |
| Cost of funding earning assets | 0.9925% | 1,755 |
| Net interest margin | 4.0433% | 1,700 |
| Noninterest income to average assets | 0.1942% | 4,496 |
| Noninterest expense to average assets | 2.1102% | 4,343 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.7447% | 598 |
| Return on assets (ROA) | 1.7447% | 635 |
| Pretax return on assets | 1.8359% | 865 |
| Return on Equity (ROE) | 14.6254% | 768 |
| Retained earnings to average equity (ytd only) | 3.8706% | 3,033 |
| Net charge-offs to loans | 0.0676% | 2,121 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 34.7581% | 1,435 |
| Efficiency ratio | 51.2737% | 4,653 |
| Assets per employee ($millions) | 7.4438% | 882 |
| Cash dividends to net income (ytd only)* | 73.5352% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9943% | 3,557 |
| Loan loss allowance to noncurrent loans | 7,458.3333% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 4,618 |
| Noncurrent loans to loans | 0.0133% | 4,529 |
| Net loans and leases to total assets | 74.8237% | 1,613 |
| Net loans and leases to deposits | 85.9031% | 2,104 |
| Net loans and leases to core deposits | 100.9985% | 1,485 |
| Total domestic deposits to total assets | 87.1024% | 1,555 |
| Equity capital to assets | 12.0730% | 2,093 |
| Core capital (leverage) ratio | 9.6307% | 3,923 |
| Tier 1 risk-based capital ratio | 12.9538% | 3,812 |
| Total risk-based capital ratio | 13.9767% | 3,820 |
| Memoranda: | ||
| Average total assets | $117,381,600 | 3,741 |
| Average earning assets | $108,919,600 | 3,730 |
| Average equity | $14,003,000 | 3,750 |
| Average total loans | $91,690,000 | 3,363 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0493% | 1,420 |
| Cost of funding earning assets | 0.9861% | 1,821 |
| Net interest margin | 4.0632% | 1,720 |
| Noninterest income to average assets | 0.2006% | 4,514 |
| Noninterest expense to average assets | 2.0133% | 4,524 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.8708% | 537 |
| Return on assets (ROA) | 1.8708% | 558 |
| Pretax return on assets | 1.9689% | 735 |
| Return on Equity (ROE) | 15.7305% | 652 |
| Retained earnings to average equity (ytd only) | 3.0196% | 3,878 |
| Net charge-offs to loans | 0.0912% | 1,558 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 27.4120% | 1,715 |
| Efficiency ratio | 48.3825% | 4,828 |
| Assets per employee ($millions) | 7.9328% | 709 |
| Cash dividends to net income (ytd only)* | 80.8044% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 3,744 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 76.9203% | 1,335 |
| Net loans and leases to deposits | 88.0137% | 1,928 |
| Net loans and leases to core deposits | 104.8815% | 1,269 |
| Total domestic deposits to total assets | 87.3958% | 1,313 |
| Equity capital to assets | 11.8100% | 2,411 |
| Core capital (leverage) ratio | 9.6409% | 4,034 |
| Tier 1 risk-based capital ratio | 12.2567% | 4,278 |
| Total risk-based capital ratio | 13.2556% | 4,304 |
| Memoranda: | ||
| Average total assets | $116,952,000 | 3,787 |
| Average earning assets | $108,845,000 | 3,773 |
| Average equity | $13,909,000 | 3,795 |
| Average total loans | $92,110,000 | 3,398 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0329% | 1,389 |
| Cost of funding earning assets | 0.9693% | 1,831 |
| Net interest margin | 4.0636% | 1,719 |
| Noninterest income to average assets | 0.2116% | 4,472 |
| Noninterest expense to average assets | 2.0211% | 4,572 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8801% | 504 |
| Return on assets (ROA) | 1.8801% | 527 |
| Pretax return on assets | 1.9764% | 710 |
| Return on Equity (ROE) | 15.7709% | 626 |
| Retained earnings to average equity (ytd only) | 6.6085% | 2,002 |
| Net charge-offs to loans | 0.1087% | 1,319 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 22.9800% | 1,670 |
| Efficiency ratio | 48.3649% | 4,879 |
| Assets per employee ($millions) | 7.3154% | 879 |
| Cash dividends to net income (ytd only)* | 58.0970% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9675% | 3,795 |
| Loan loss allowance to noncurrent loans | 449.0099% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 3,896 |
| Noncurrent loans to loans | 0.2155% | 3,770 |
| Net loans and leases to total assets | 79.3186% | 998 |
| Net loans and leases to deposits | 91.0419% | 1,619 |
| Net loans and leases to core deposits | 108.4263% | 1,071 |
| Total domestic deposits to total assets | 87.1231% | 1,538 |
| Equity capital to assets | 12.1233% | 2,101 |
| Core capital (leverage) ratio | 9.6550% | 3,973 |
| Tier 1 risk-based capital ratio | 12.4148% | 4,178 |
| Total risk-based capital ratio | 13.4294% | 4,196 |
| Memoranda: | ||
| Average total assets | $116,272,000 | 3,820 |
| Average earning assets | $108,326,330 | 3,802 |
| Average equity | $13,861,000 | 3,805 |
| Average total loans | $92,005,330 | 3,413 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9466% | 1,485 |
| Cost of funding earning assets | 0.9256% | 1,900 |
| Net interest margin | 4.0210% | 1,788 |
| Noninterest income to average assets | 0.2451% | 4,253 |
| Noninterest expense to average assets | 2.0469% | 4,565 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8536% | 505 |
| Return on assets (ROA) | 1.8536% | 519 |
| Pretax return on assets | 1.9468% | 709 |
| Return on Equity (ROE) | 15.6828% | 637 |
| Retained earnings to average equity (ytd only) | 1.3726% | 4,236 |
| Net charge-offs to loans | 0.0439% | 1,646 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 56.4000% | 950 |
| Efficiency ratio | 49.0925% | 4,887 |
| Assets per employee ($millions) | 7.3694% | 855 |
| Cash dividends to net income (ytd only)* | 91.2477% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 3,534 |
| Loan loss allowance to noncurrent loans | 131.7107% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.6098% | 2,245 |
| Noncurrent loans to loans | 0.7806% | 2,081 |
| Net loans and leases to total assets | 77.3176% | 1,273 |
| Net loans and leases to deposits | 88.2904% | 1,838 |
| Net loans and leases to core deposits | 104.8355% | 1,257 |
| Total domestic deposits to total assets | 87.5720% | 1,534 |
| Equity capital to assets | 11.6503% | 2,270 |
| Core capital (leverage) ratio | 9.3798% | 4,287 |
| Tier 1 risk-based capital ratio | 12.0073% | 4,452 |
| Total risk-based capital ratio | 13.0737% | 4,456 |
| Memoranda: | ||
| Average total assets | $115,884,500 | 3,864 |
| Average earning assets | $108,033,500 | 3,845 |
| Average equity | $13,696,500 | 3,845 |
| Average total loans | $91,134,500 | 3,469 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4220% | 467 |
| Cost of funding earning assets | 0.7280% | 1,919 |
| Net interest margin | 4.6940% | 494 |
| Noninterest income to average assets | 0.2268% | 4,560 |
| Noninterest expense to average assets | 2.1793% | 4,386 |
| Loan and lease loss provision to assets | 0.5643% | 199 |
| Net operating income to assets | 1.7319% | 635 |
| Return on assets (ROA) | 1.7319% | 637 |
| Pretax return on assets | 1.8303% | 850 |
| Return on Equity (ROE) | 14.2601% | 988 |
| Retained earnings to average equity (ytd only) | 0.9264% | 4,723 |
| Net charge-offs to loans | 0.0245% | 2,915 |
| Credit loss provision to net charge-offs | 2,895.4545% | 171 |
| Earnings coverage of net charge-offs (x) | 122.8636% | 640 |
| Efficiency ratio | 45.6711% | 5,128 |
| Assets per employee ($millions) | 7.1161% | 930 |
| Cash dividends to net income (ytd only)* | 93.5038% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 3,314 |
| Loan loss allowance to noncurrent loans | 11,962.5000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 4,878 |
| Noncurrent loans to loans | 0.0089% | 4,772 |
| Net loans and leases to total assets | 78.3423% | 1,215 |
| Net loans and leases to deposits | 89.8169% | 1,824 |
| Net loans and leases to core deposits | 106.6680% | 1,215 |
| Total domestic deposits to total assets | 87.2244% | 1,673 |
| Equity capital to assets | 11.9939% | 1,901 |
| Core capital (leverage) ratio | 9.5546% | 4,053 |
| Tier 1 risk-based capital ratio | 12.2299% | 4,282 |
| Total risk-based capital ratio | 13.3350% | 4,259 |
| Memoranda: | ||
| Average total assets | $112,879,800 | 3,900 |
| Average earning assets | $104,536,600 | 3,905 |
| Average equity | $13,709,600 | 3,786 |
| Average total loans | $89,717,400 | 3,485 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1992% | 628 |
| Cost of funding earning assets | 0.6829% | 1,957 |
| Net interest margin | 4.5163% | 715 |
| Noninterest income to average assets | 0.2356% | 4,563 |
| Noninterest expense to average assets | 2.0692% | 4,609 |
| Loan and lease loss provision to assets | 0.6369% | 160 |
| Net operating income to assets | 1.6229% | 917 |
| Return on assets (ROA) | 1.6229% | 919 |
| Pretax return on assets | 1.7176% | 1,231 |
| Return on Equity (ROE) | 13.3203% | 1,321 |
| Retained earnings to average equity (ytd only) | 8.7539% | 1,325 |
| Net charge-offs to loans | 0.0327% | 2,432 |
| Credit loss provision to net charge-offs | 2,445.4545% | 173 |
| Earnings coverage of net charge-offs (x) | 90.4170% | 817 |
| Efficiency ratio | 44.7418% | 5,198 |
| Assets per employee ($millions) | 6.9281% | 961 |
| Cash dividends to net income (ytd only)* | 34.2816% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9386% | 4,096 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 81.6888% | 760 |
| Net loans and leases to deposits | 95.9380% | 1,163 |
| Net loans and leases to core deposits | 111.0727% | 965 |
| Total domestic deposits to total assets | 85.1475% | 2,549 |
| Equity capital to assets | 12.9012% | 1,380 |
| Core capital (leverage) ratio | 10.4076% | 3,179 |
| Tier 1 risk-based capital ratio | 12.7578% | 4,046 |
| Total risk-based capital ratio | 13.7317% | 4,096 |
| Memoranda: | ||
| Average total assets | $112,635,250 | 3,944 |
| Average earning assets | $104,449,250 | 3,948 |
| Average equity | $13,723,000 | 3,816 |
| Average total loans | $89,607,750 | 3,516 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1707% | 585 |
| Cost of funding earning assets | 0.6342% | 2,022 |
| Net interest margin | 4.5366% | 642 |
| Noninterest income to average assets | 0.2208% | 4,703 |
| Noninterest expense to average assets | 2.0913% | 4,631 |
| Loan and lease loss provision to assets | 0.8920% | 93 |
| Net operating income to assets | 1.3477% | 1,606 |
| Return on assets (ROA) | 1.3477% | 1,612 |
| Pretax return on assets | 1.4325% | 2,047 |
| Return on Equity (ROE) | 11.2784% | 2,001 |
| Retained earnings to average equity (ytd only) | 6.1048% | 2,494 |
| Net charge-offs to loans | 0.0494% | 1,901 |
| Credit loss provision to net charge-offs | 2,295.4545% | 185 |
| Earnings coverage of net charge-offs (x) | 59.8182% | 1,001 |
| Efficiency ratio | 45.3200% | 5,238 |
| Assets per employee ($millions) | 6.9296% | 956 |
| Cash dividends to net income (ytd only)* | 45.8716% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9163% | 4,266 |
| Loan loss allowance to noncurrent loans | 216.5354% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.3436% | 3,379 |
| Noncurrent loans to loans | 0.4232% | 3,184 |
| Net loans and leases to total assets | 80.4614% | 947 |
| Net loans and leases to deposits | 93.7750% | 1,381 |
| Net loans and leases to core deposits | 108.5399% | 1,085 |
| Total domestic deposits to total assets | 85.8027% | 2,369 |
| Equity capital to assets | 12.4575% | 1,562 |
| Core capital (leverage) ratio | 9.7245% | 3,857 |
| Tier 1 risk-based capital ratio | 12.3046% | 4,308 |
| Total risk-based capital ratio | 13.2510% | 4,373 |
| Memoranda: | ||
| Average total assets | $113,230,330 | 3,965 |
| Average earning assets | $104,705,000 | 3,974 |
| Average equity | $13,530,330 | 3,864 |
| Average total loans | $89,007,000 | 3,543 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3785% | 348 |
| Cost of funding earning assets | 0.5752% | 2,208 |
| Net interest margin | 4.8034% | 343 |
| Noninterest income to average assets | 0.2203% | 4,689 |
| Noninterest expense to average assets | 2.1362% | 4,566 |
| Loan and lease loss provision to assets | 1.3985% | 58 |
| Net operating income to assets | 1.0139% | 2,801 |
| Return on assets (ROA) | 1.0139% | 2,823 |
| Pretax return on assets | 1.0943% | 3,192 |
| Return on Equity (ROE) | 8.6635% | 3,080 |
| Retained earnings to average equity (ytd only) | -1.7924% | 4,991 |
| Net charge-offs to loans | 0.0226% | 2,053 |
| Credit loss provision to net charge-offs | 8,000.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 142.6000% | 452 |
| Efficiency ratio | 44.2598% | 5,338 |
| Assets per employee ($millions) | 7.1645% | 900 |
| Cash dividends to net income (ytd only)* | 120.6897% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8247% | 4,719 |
| Loan loss allowance to noncurrent loans | 201.3661% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 3,553 |
| Noncurrent loans to loans | 0.4096% | 3,312 |
| Net loans and leases to total assets | 77.3152% | 1,340 |
| Net loans and leases to deposits | 89.3202% | 1,777 |
| Net loans and leases to core deposits | 102.0096% | 1,528 |
| Total domestic deposits to total assets | 86.5596% | 2,286 |
| Equity capital to assets | 11.6372% | 2,036 |
| Core capital (leverage) ratio | 9.1943% | 4,440 |
| Tier 1 risk-based capital ratio | 11.7393% | 4,716 |
| Total risk-based capital ratio | 12.5852% | 4,852 |
| Memoranda: | ||
| Average total assets | $114,409,000 | 3,984 |
| Average earning assets | $105,010,000 | 4,011 |
| Average equity | $13,389,500 | 3,916 |
| Average total loans | $88,493,000 | 3,579 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4395% | 4,878 |
| Cost of funding earning assets | 0.3498% | 3,723 |
| Net interest margin | 3.0897% | 4,713 |
| Noninterest income to average assets | 0.1501% | 5,202 |
| Noninterest expense to average assets | 1.4589% | 5,496 |
| Loan and lease loss provision to assets | 0.3274% | 510 |
| Net operating income to assets | 1.1779% | 1,588 |
| Return on assets (ROA) | 1.1779% | 1,609 |
| Pretax return on assets | 1.2315% | 2,630 |
| Return on Equity (ROE) | 10.5585% | 1,656 |
| Retained earnings to average equity (ytd only) | -5.4709% | 5,452 |
| Net charge-offs to loans | 0.0216% | 3,381 |
| Credit loss provision to net charge-offs | 2,000.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 95.2222% | 665 |
| Efficiency ratio | 46.0518% | 5,395 |
| Assets per employee ($millions) | 7.1366% | 917 |
| Cash dividends to net income (ytd only)* | 151.8147% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3903% | 5,497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 76.4358% | 1,519 |
| Net loans and leases to deposits | 90.3884% | 1,727 |
| Net loans and leases to core deposits | 102.3765% | 1,533 |
| Total domestic deposits to total assets | 84.5638% | 3,011 |
| Equity capital to assets | 11.7694% | 1,990 |
| Core capital (leverage) ratio | 9.4441% | 4,112 |
| Tier 1 risk-based capital ratio | 12.0581% | 4,489 |
| Total risk-based capital ratio | 12.4539% | 4,913 |
| Memoranda: | ||
| Average total assets | $109,944,000 | 4,062 |
| Average earning assets | $102,048,600 | 4,061 |
| Average equity | $12,265,000 | 4,097 |
| Average total loans | $83,357,400 | 3,671 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9959% | 5,410 |
| Cost of funding earning assets | 0.2951% | 4,177 |
| Net interest margin | 2.7008% | 5,320 |
| Noninterest income to average assets | 0.1323% | 5,344 |
| Noninterest expense to average assets | 1.2821% | 5,624 |
| Loan and lease loss provision to assets | 0.3110% | 498 |
| Net operating income to assets | 1.0090% | 2,518 |
| Return on assets (ROA) | 1.0090% | 2,557 |
| Pretax return on assets | 1.0604% | 3,457 |
| Return on Equity (ROE) | 9.1771% | 2,511 |
| Retained earnings to average equity (ytd only) | -12.7188% | 5,636 |
| Net charge-offs to loans | 0.0227% | 3,010 |
| Credit loss provision to net charge-offs | 1,814.2857% | 216 |
| Earnings coverage of net charge-offs (x) | 79.9839% | 813 |
| Efficiency ratio | 48.3156% | 5,328 |
| Assets per employee ($millions) | 6.9799% | 963 |
| Cash dividends to net income (ytd only)* | 238.5923% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2888% | 5,623 |
| Loan loss allowance to noncurrent loans | 216.2162% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 4,740 |
| Noncurrent loans to loans | 0.1336% | 4,525 |
| Net loans and leases to total assets | 74.2044% | 1,884 |
| Net loans and leases to deposits | 85.8463% | 2,313 |
| Net loans and leases to core deposits | 92.9974% | 2,346 |
| Total domestic deposits to total assets | 86.4387% | 2,119 |
| Equity capital to assets | 11.6684% | 2,215 |
| Core capital (leverage) ratio | 9.5399% | 4,107 |
| Tier 1 risk-based capital ratio | 11.9146% | 4,689 |
| Total risk-based capital ratio | 12.2027% | 5,165 |
| Memoranda: | ||
| Average total assets | $108,883,500 | 4,120 |
| Average earning assets | $101,647,000 | 4,109 |
| Average equity | $11,971,500 | 4,185 |
| Average total loans | $82,291,500 | 3,722 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2519% | 5,706 |
| Cost of funding earning assets | 0.2153% | 4,841 |
| Net interest margin | 2.0366% | 5,686 |
| Noninterest income to average assets | 0.0963% | 5,532 |
| Noninterest expense to average assets | 0.9356% | 5,741 |
| Loan and lease loss provision to assets | 0.2520% | 662 |
| Net operating income to assets | 0.7781% | 3,498 |
| Return on assets (ROA) | 0.7781% | 3,550 |
| Pretax return on assets | 0.8189% | 4,205 |
| Return on Equity (ROE) | 7.2300% | 3,433 |
| Retained earnings to average equity (ytd only) | -26.6131% | 5,738 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6297% | 5,449 |
| Assets per employee ($millions) | 6.6221% | 1,085 |
| Cash dividends to net income (ytd only)* | 468.0952% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1701% | 5,706 |
| Loan loss allowance to noncurrent loans | 120.3540% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 4,770 |
| Noncurrent loans to loans | 0.1413% | 4,555 |
| Net loans and leases to total assets | 75.3381% | 1,639 |
| Net loans and leases to deposits | 87.5051% | 2,044 |
| Net loans and leases to core deposits | 94.3523% | 2,121 |
| Total domestic deposits to total assets | 86.0957% | 2,338 |
| Equity capital to assets | 11.9175% | 1,982 |
| Core capital (leverage) ratio | 9.3513% | 4,290 |
| Tier 1 risk-based capital ratio | 12.0073% | 4,625 |
| Total risk-based capital ratio | 12.1791% | 5,194 |
| Memoranda: | ||
| Average total assets | $107,952,000 | 4,168 |
| Average earning assets | $101,246,000 | 4,145 |
| Average equity | $11,618,330 | 4,251 |
| Average total loans | $82,018,670 | 3,744 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9655% | 3,153 |
| Cost of funding earning assets | 0.3718% | 3,290 |
| Net interest margin | 3.5938% | 2,906 |
| Noninterest income to average assets | 1.4392% | 519 |
| Noninterest expense to average assets | 3.5025% | 1,039 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2813% | 1,291 |
| Return on assets (ROA) | 1.2813% | 1,325 |
| Pretax return on assets | 1.3437% | 2,083 |
| Return on Equity (ROE) | 12.5607% | 1,098 |
| Retained earnings to average equity (ytd only) | 12.5607% | 417 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9091% | 2,756 |
| Assets per employee ($millions) | 3.8186% | 4,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7533% | 1,049 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 74.0540% | 1,727 |
| Net loans and leases to deposits | 84.6510% | 2,203 |
| Net loans and leases to core deposits | 91.4762% | 2,219 |
| Total domestic deposits to total assets | 87.4815% | 1,994 |
| Equity capital to assets | 10.5656% | 3,112 |
| Core capital (leverage) ratio | 9.7170% | 3,852 |
| Tier 1 risk-based capital ratio | 13.6350% | 3,695 |
| Total risk-based capital ratio | 14.8905% | 3,598 |
| Memoranda: | ||
| Average total assets | $108,951,500 | 4,191 |
| Average earning assets | $103,290,000 | 4,145 |
| Average equity | $11,114,000 | 4,365 |
| Average total loans | $83,048,500 | 3,740 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9438% | 3,406 |
| Cost of funding earning assets | 0.3508% | 3,506 |
| Net interest margin | 3.5930% | 3,089 |
| Noninterest income to average assets | 1.3954% | 586 |
| Noninterest expense to average assets | 2.8962% | 2,686 |
| Loan and lease loss provision to assets | 0.0999% | 2,387 |
| Net operating income to assets | 1.6660% | 588 |
| Return on assets (ROA) | 1.6660% | 617 |
| Pretax return on assets | 1.7468% | 899 |
| Return on Equity (ROE) | 17.3149% | 375 |
| Retained earnings to average equity (ytd only) | 7.8601% | 899 |
| Net charge-offs to loans | 0.0061% | 4,046 |
| Credit loss provision to net charge-offs | 2,200.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 406.8000% | 200 |
| Efficiency ratio | 59.4946% | 4,663 |
| Assets per employee ($millions) | 3.9636% | 4,038 |
| Cash dividends to net income (ytd only)* | 54.6049% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6526% | 1,248 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 75.7706% | 1,544 |
| Net loans and leases to deposits | 87.7319% | 1,956 |
| Net loans and leases to core deposits | 94.5703% | 2,050 |
| Total domestic deposits to total assets | 86.3661% | 2,424 |
| Equity capital to assets | 9.8494% | 3,882 |
| Core capital (leverage) ratio | 9.7049% | 3,853 |
| Tier 1 risk-based capital ratio | 12.4564% | 4,400 |
| Total risk-based capital ratio | 13.7112% | 4,292 |
| Memoranda: | ||
| Average total assets | $110,143,800 | 4,156 |
| Average earning assets | $102,616,800 | 4,149 |
| Average equity | $10,597,800 | 4,478 |
| Average total loans | $82,562,000 | 3,753 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9603% | 3,372 |
| Cost of funding earning assets | 0.3477% | 3,561 |
| Net interest margin | 3.6126% | 3,022 |
| Noninterest income to average assets | 1.3486% | 649 |
| Noninterest expense to average assets | 2.8732% | 2,729 |
| Loan and lease loss provision to assets | 0.1092% | 2,104 |
| Net operating income to assets | 1.6373% | 674 |
| Return on assets (ROA) | 1.6373% | 708 |
| Pretax return on assets | 1.7186% | 1,066 |
| Return on Equity (ROE) | 17.1188% | 433 |
| Retained earnings to average equity (ytd only) | 7.5957% | 1,358 |
| Net charge-offs to loans | 0.0114% | 3,536 |
| Credit loss provision to net charge-offs | 1,285.7143% | 328 |
| Earnings coverage of net charge-offs (x) | 215.3569% | 353 |
| Efficiency ratio | 59.5459% | 4,606 |
| Assets per employee ($millions) | 3.8154% | 4,277 |
| Cash dividends to net income (ytd only)* | 55.6296% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7242% | 1,161 |
| Loan loss allowance to noncurrent loans | 23,183.3333% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 5,516 |
| Noncurrent loans to loans | 0.0074% | 5,383 |
| Net loans and leases to total assets | 74.2132% | 1,835 |
| Net loans and leases to deposits | 86.5127% | 2,208 |
| Net loans and leases to core deposits | 92.8339% | 2,298 |
| Total domestic deposits to total assets | 85.7830% | 2,463 |
| Equity capital to assets | 10.1217% | 4,011 |
| Core capital (leverage) ratio | 9.7136% | 3,918 |
| Tier 1 risk-based capital ratio | 12.8419% | 4,257 |
| Total risk-based capital ratio | 14.0975% | 4,167 |
| Memoranda: | ||
| Average total assets | $109,934,500 | 4,194 |
| Average earning assets | $102,009,500 | 4,189 |
| Average equity | $10,514,500 | 4,538 |
| Average total loans | $81,826,500 | 3,784 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9650% | 3,369 |
| Cost of funding earning assets | 0.3445% | 3,626 |
| Net interest margin | 3.6204% | 3,018 |
| Noninterest income to average assets | 1.3175% | 658 |
| Noninterest expense to average assets | 2.8224% | 2,953 |
| Loan and lease loss provision to assets | 0.1081% | 2,056 |
| Net operating income to assets | 1.6563% | 633 |
| Return on assets (ROA) | 1.6563% | 676 |
| Pretax return on assets | 1.7392% | 1,003 |
| Return on Equity (ROE) | 17.6476% | 384 |
| Retained earnings to average equity (ytd only) | 8.0269% | 1,162 |
| Net charge-offs to loans | 0.0195% | 3,106 |
| Credit loss provision to net charge-offs | 750.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 128.1250% | 465 |
| Efficiency ratio | 58.8576% | 4,788 |
| Assets per employee ($millions) | 3.7930% | 4,274 |
| Cash dividends to net income (ytd only)* | 54.5158% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7272% | 1,219 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 72.8579% | 2,029 |
| Net loans and leases to deposits | 85.0944% | 2,341 |
| Net loans and leases to core deposits | 91.9470% | 2,358 |
| Total domestic deposits to total assets | 85.6201% | 2,599 |
| Equity capital to assets | 10.0288% | 4,193 |
| Core capital (leverage) ratio | 9.2051% | 4,588 |
| Tier 1 risk-based capital ratio | 12.9265% | 4,242 |
| Total risk-based capital ratio | 14.1816% | 4,156 |
| Memoranda: | ||
| Average total assets | $110,969,330 | 4,210 |
| Average earning assets | $102,750,330 | 4,204 |
| Average equity | $10,415,000 | 4,581 |
| Average total loans | $82,211,000 | 3,791 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9128% | 3,544 |
| Cost of funding earning assets | 0.3366% | 3,765 |
| Net interest margin | 3.5762% | 3,180 |
| Noninterest income to average assets | 1.3798% | 586 |
| Noninterest expense to average assets | 2.8831% | 2,763 |
| Loan and lease loss provision to assets | 0.1059% | 1,930 |
| Net operating income to assets | 1.6091% | 688 |
| Return on assets (ROA) | 1.6091% | 732 |
| Pretax return on assets | 1.6903% | 1,089 |
| Return on Equity (ROE) | 17.7139% | 382 |
| Retained earnings to average equity (ytd only) | 8.0023% | 1,455 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1056% | 4,730 |
| Assets per employee ($millions) | 6.2698% | 1,239 |
| Cash dividends to net income (ytd only)* | 54.8246% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5968% | 1,615 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 73.0639% | 1,876 |
| Net loans and leases to deposits | 84.1338% | 2,289 |
| Net loans and leases to core deposits | 89.3978% | 2,430 |
| Total domestic deposits to total assets | 86.8425% | 2,279 |
| Equity capital to assets | 9.2277% | 4,962 |
| Core capital (leverage) ratio | 9.0535% | 4,792 |
| Tier 1 risk-based capital ratio | 11.8320% | 5,028 |
| Total risk-based capital ratio | 13.0852% | 4,929 |
| Memoranda: | ||
| Average total assets | $113,352,000 | 4,189 |
| Average earning assets | $104,580,000 | 4,196 |
| Average equity | $10,297,000 | 4,619 |
| Average total loans | $83,947,500 | 3,758 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0370% | 3,163 |
| Cost of funding earning assets | 0.3352% | 3,845 |
| Net interest margin | 3.7018% | 2,743 |
| Noninterest income to average assets | 1.3823% | 632 |
| Noninterest expense to average assets | 2.8653% | 2,979 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.8343% | 461 |
| Return on assets (ROA) | 1.8352% | 467 |
| Pretax return on assets | 1.9259% | 633 |
| Return on Equity (ROE) | 20.7045% | 214 |
| Retained earnings to average equity (ytd only) | 8.8573% | 688 |
| Net charge-offs to loans | 0.0072% | 4,193 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 353.5000% | 193 |
| Efficiency ratio | 58.3365% | 5,105 |
| Assets per employee ($millions) | 4.0660% | 3,822 |
| Cash dividends to net income (ytd only)* | 57.2206% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5553% | 1,780 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 72.7215% | 1,936 |
| Net loans and leases to deposits | 83.6165% | 2,407 |
| Net loans and leases to core deposits | 88.7355% | 2,530 |
| Total domestic deposits to total assets | 86.9703% | 2,155 |
| Equity capital to assets | 8.9417% | 5,179 |
| Core capital (leverage) ratio | 8.8230% | 5,084 |
| Tier 1 risk-based capital ratio | 11.4629% | 5,275 |
| Total risk-based capital ratio | 12.7157% | 5,179 |
| Memoranda: | ||
| Average total assets | $110,179,600 | 4,257 |
| Average earning assets | $101,436,200 | 4,253 |
| Average equity | $9,766,000 | 4,695 |
| Average total loans | $83,503,800 | 3,732 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0279% | 3,224 |
| Cost of funding earning assets | 0.3347% | 3,924 |
| Net interest margin | 3.6932% | 2,800 |
| Noninterest income to average assets | 1.3386% | 679 |
| Noninterest expense to average assets | 2.8310% | 3,072 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.8354% | 479 |
| Return on assets (ROA) | 1.8365% | 500 |
| Pretax return on assets | 1.9293% | 684 |
| Return on Equity (ROE) | 20.7671% | 232 |
| Retained earnings to average equity (ytd only) | 8.5828% | 1,036 |
| Net charge-offs to loans | -0.0144% | 5,098 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0000% | 5,120 |
| Assets per employee ($millions) | 3.8599% | 4,157 |
| Cash dividends to net income (ytd only)* | 58.6708% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5766% | 1,866 |
| Loan loss allowance to noncurrent loans | 26,460.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 5,799 |
| Noncurrent loans to loans | 0.0060% | 5,629 |
| Net loans and leases to total assets | 76.4221% | 1,327 |
| Net loans and leases to deposits | 88.2235% | 1,872 |
| Net loans and leases to core deposits | 94.2209% | 2,057 |
| Total domestic deposits to total assets | 86.6233% | 2,227 |
| Equity capital to assets | 9.2555% | 5,052 |
| Core capital (leverage) ratio | 9.0307% | 4,961 |
| Tier 1 risk-based capital ratio | 11.3496% | 5,460 |
| Total risk-based capital ratio | 12.6025% | 5,369 |
| Memoranda: | ||
| Average total assets | $109,262,500 | 4,317 |
| Average earning assets | $101,192,250 | 4,300 |
| Average equity | $9,662,500 | 4,779 |
| Average total loans | $83,354,750 | 3,773 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0438% | 3,111 |
| Cost of funding earning assets | 0.3324% | 4,021 |
| Net interest margin | 3.7114% | 2,663 |
| Noninterest income to average assets | 1.3113% | 708 |
| Noninterest expense to average assets | 2.8087% | 3,196 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.8311% | 486 |
| Return on assets (ROA) | 1.8311% | 509 |
| Pretax return on assets | 1.9242% | 700 |
| Return on Equity (ROE) | 21.0284% | 230 |
| Retained earnings to average equity (ytd only) | 8.2941% | 1,149 |
| Net charge-offs to loans | -0.0120% | 4,983 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8805% | 5,233 |
| Assets per employee ($millions) | 3.9708% | 3,939 |
| Cash dividends to net income (ytd only)* | 60.5578% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6035% | 1,903 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 75.4951% | 1,437 |
| Net loans and leases to deposits | 86.8873% | 1,955 |
| Net loans and leases to core deposits | 92.5440% | 2,104 |
| Total domestic deposits to total assets | 86.8885% | 2,224 |
| Equity capital to assets | 9.1082% | 5,142 |
| Core capital (leverage) ratio | 8.5826% | 5,458 |
| Tier 1 risk-based capital ratio | 11.2615% | 5,594 |
| Total risk-based capital ratio | 12.5152% | 5,516 |
| Memoranda: | ||
| Average total assets | $109,658,000 | 4,350 |
| Average earning assets | $101,093,670 | 4,344 |
| Average equity | $9,549,000 | 4,833 |
| Average total loans | $83,167,330 | 3,796 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9920% | 3,257 |
| Cost of funding earning assets | 0.3297% | 4,095 |
| Net interest margin | 3.6623% | 2,768 |
| Noninterest income to average assets | 1.2987% | 682 |
| Noninterest expense to average assets | 2.7561% | 3,399 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.8182% | 468 |
| Return on assets (ROA) | 1.8182% | 493 |
| Pretax return on assets | 1.9083% | 707 |
| Return on Equity (ROE) | 21.3537% | 210 |
| Retained earnings to average equity (ytd only) | 7.2450% | 1,888 |
| Net charge-offs to loans | -0.1292% | 5,941 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6179% | 5,376 |
| Assets per employee ($millions) | 4.0387% | 3,880 |
| Cash dividends to net income (ytd only)* | 66.0714% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6151% | 1,996 |
| Loan loss allowance to noncurrent loans | 8,940.0000% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 5,899 |
| Noncurrent loans to loans | 0.0181% | 5,734 |
| Net loans and leases to total assets | 74.9113% | 1,370 |
| Net loans and leases to deposits | 86.0144% | 1,830 |
| Net loans and leases to core deposits | 91.4932% | 1,985 |
| Total domestic deposits to total assets | 87.0916% | 2,319 |
| Equity capital to assets | 8.7670% | 5,533 |
| Core capital (leverage) ratio | 8.3949% | 5,639 |
| Tier 1 risk-based capital ratio | 10.8568% | 5,874 |
| Total risk-based capital ratio | 12.1108% | 5,800 |
| Memoranda: | ||
| Average total assets | $110,881,500 | 4,348 |
| Average earning assets | $101,904,000 | 4,345 |
| Average equity | $9,441,000 | 4,887 |
| Average total loans | $83,622,000 | 3,804 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9829% | 3,784 |
| Cost of funding earning assets | 0.3519% | 4,233 |
| Net interest margin | 3.6310% | 3,289 |
| Noninterest income to average assets | 1.3373% | 685 |
| Noninterest expense to average assets | 2.9344% | 3,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.6669% | 617 |
| Return on assets (ROA) | 1.6688% | 639 |
| Pretax return on assets | 1.7557% | 878 |
| Return on Equity (ROE) | 19.3222% | 294 |
| Retained earnings to average equity (ytd only) | 6.0057% | 1,930 |
| Net charge-offs to loans | -0.0013% | 5,357 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0228% | 5,064 |
| Assets per employee ($millions) | 4.1747% | 3,586 |
| Cash dividends to net income (ytd only)* | 68.9181% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5603% | 2,227 |
| Loan loss allowance to noncurrent loans | 8,760.0000% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 6,004 |
| Noncurrent loans to loans | 0.0178% | 5,825 |
| Net loans and leases to total assets | 73.5481% | 1,659 |
| Net loans and leases to deposits | 85.5065% | 2,041 |
| Net loans and leases to core deposits | 90.8226% | 2,199 |
| Total domestic deposits to total assets | 86.0147% | 2,831 |
| Equity capital to assets | 8.2702% | 5,916 |
| Core capital (leverage) ratio | 8.1644% | 5,877 |
| Tier 1 risk-based capital ratio | 10.2227% | 6,198 |
| Total risk-based capital ratio | 11.4761% | 6,145 |
| Memoranda: | ||
| Average total assets | $104,688,800 | 4,487 |
| Average earning assets | $96,612,400 | 4,492 |
| Average equity | $9,041,400 | 4,967 |
| Average total loans | $74,794,200 | 4,030 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9438% | 3,999 |
| Cost of funding earning assets | 0.3547% | 4,292 |
| Net interest margin | 3.5891% | 3,470 |
| Noninterest income to average assets | 1.3115% | 707 |
| Noninterest expense to average assets | 2.9073% | 3,092 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6531% | 672 |
| Return on assets (ROA) | 1.6556% | 698 |
| Pretax return on assets | 1.7439% | 992 |
| Return on Equity (ROE) | 18.9490% | 352 |
| Retained earnings to average equity (ytd only) | 5.5287% | 2,724 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9218% | 5,055 |
| Assets per employee ($millions) | 3.7845% | 4,321 |
| Cash dividends to net income (ytd only)* | 70.8234% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7532% | 1,814 |
| Loan loss allowance to noncurrent loans | 1,327.2727% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0969% | 5,773 |
| Noncurrent loans to loans | 0.1321% | 5,526 |
| Net loans and leases to total assets | 72.0633% | 1,839 |
| Net loans and leases to deposits | 81.0905% | 2,537 |
| Net loans and leases to core deposits | 86.4829% | 2,615 |
| Total domestic deposits to total assets | 88.8678% | 1,321 |
| Equity capital to assets | 8.9527% | 5,400 |
| Core capital (leverage) ratio | 8.2321% | 5,900 |
| Tier 1 risk-based capital ratio | 11.2083% | 5,908 |
| Total risk-based capital ratio | 12.4642% | 5,853 |
| Memoranda: | ||
| Average total assets | $102,681,500 | 4,579 |
| Average earning assets | $95,472,000 | 4,562 |
| Average equity | $8,971,250 | 5,016 |
| Average total loans | $72,438,750 | 4,143 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8741% | 4,249 |
| Cost of funding earning assets | 0.3537% | 4,397 |
| Net interest margin | 3.5204% | 3,699 |
| Noninterest income to average assets | 1.3029% | 703 |
| Noninterest expense to average assets | 2.9014% | 3,160 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5870% | 723 |
| Return on assets (ROA) | 1.5907% | 752 |
| Pretax return on assets | 1.6763% | 1,069 |
| Return on Equity (ROE) | 18.3566% | 429 |
| Retained earnings to average equity (ytd only) | 4.8472% | 3,057 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8197% | 5,039 |
| Assets per employee ($millions) | 3.7411% | 4,368 |
| Cash dividends to net income (ytd only)* | 73.5941% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9102% | 1,559 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 66.7482% | 2,629 |
| Net loans and leases to deposits | 75.1173% | 3,176 |
| Net loans and leases to core deposits | 80.1672% | 3,189 |
| Total domestic deposits to total assets | 88.8586% | 1,439 |
| Equity capital to assets | 8.9277% | 5,381 |
| Core capital (leverage) ratio | 8.0322% | 6,076 |
| Tier 1 risk-based capital ratio | 11.6865% | 5,699 |
| Total risk-based capital ratio | 12.9435% | 5,643 |
| Memoranda: | ||
| Average total assets | $102,848,330 | 4,610 |
| Average earning assets | $95,558,670 | 4,593 |
| Average equity | $8,912,330 | 5,051 |
| Average total loans | $71,602,000 | 4,175 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7846% | 4,553 |
| Cost of funding earning assets | 0.3587% | 4,454 |
| Net interest margin | 3.4259% | 4,006 |
| Noninterest income to average assets | 1.2220% | 739 |
| Noninterest expense to average assets | 2.7947% | 3,590 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5766% | 690 |
| Return on assets (ROA) | 1.5766% | 720 |
| Pretax return on assets | 1.6306% | 1,107 |
| Return on Equity (ROE) | 18.4661% | 406 |
| Retained earnings to average equity (ytd only) | 4.8761% | 3,188 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4983% | 5,200 |
| Assets per employee ($millions) | 3.9110% | 4,127 |
| Cash dividends to net income (ytd only)* | 73.5941% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9039% | 1,741 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 64.0656% | 2,878 |
| Net loans and leases to deposits | 71.5993% | 3,393 |
| Net loans and leases to core deposits | 75.7217% | 3,435 |
| Total domestic deposits to total assets | 89.4780% | 1,378 |
| Equity capital to assets | 8.4329% | 5,710 |
| Core capital (leverage) ratio | 7.8710% | 6,196 |
| Tier 1 risk-based capital ratio | 11.2015% | 6,073 |
| Total risk-based capital ratio | 12.4578% | 6,017 |
| Memoranda: | ||
| Average total assets | $103,767,000 | 4,637 |
| Average earning assets | $97,025,500 | 4,596 |
| Average equity | $8,859,500 | 5,091 |
| Average total loans | $73,035,000 | 4,164 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2062% | 3,327 |
| Cost of funding earning assets | 0.3457% | 5,189 |
| Net interest margin | 3.8606% | 2,429 |
| Noninterest income to average assets | 1.4328% | 679 |
| Noninterest expense to average assets | 3.0940% | 2,753 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.8455% | 445 |
| Return on assets (ROA) | 1.8455% | 455 |
| Pretax return on assets | 1.9418% | 551 |
| Return on Equity (ROE) | 20.8710% | 244 |
| Retained earnings to average equity (ytd only) | 3.7758% | 3,516 |
| Net charge-offs to loans | 0.0028% | 5,422 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 948.0000% | 38 |
| Efficiency ratio | 59.7519% | 5,501 |
| Assets per employee ($millions) | 3.7754% | 4,315 |
| Cash dividends to net income (ytd only)* | 81.9090% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7029% | 2,396 |
| Loan loss allowance to noncurrent loans | 7,723.5294% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 6,364 |
| Noncurrent loans to loans | 0.0220% | 6,201 |
| Net loans and leases to total assets | 74.3525% | 1,294 |
| Net loans and leases to deposits | 83.4144% | 2,008 |
| Net loans and leases to core deposits | 88.3429% | 2,205 |
| Total domestic deposits to total assets | 89.1363% | 1,529 |
| Equity capital to assets | 8.6466% | 5,428 |
| Core capital (leverage) ratio | 8.1205% | 6,037 |
| Tier 1 risk-based capital ratio | 10.4472% | 6,384 |
| Total risk-based capital ratio | 11.7021% | 6,335 |
| Memoranda: | ||
| Average total assets | $97,641,000 | 4,801 |
| Average earning assets | $91,126,600 | 4,744 |
| Average equity | $8,634,000 | 5,181 |
| Average total loans | $72,129,400 | 4,189 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2376% | 3,244 |
| Cost of funding earning assets | 0.3360% | 5,424 |
| Net interest margin | 3.9016% | 2,267 |
| Noninterest income to average assets | 1.3572% | 789 |
| Noninterest expense to average assets | 3.0845% | 2,710 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.8156% | 506 |
| Return on assets (ROA) | 1.8156% | 527 |
| Pretax return on assets | 1.9123% | 691 |
| Return on Equity (ROE) | 20.4132% | 277 |
| Retained earnings to average equity (ytd only) | 2.0957% | 5,068 |
| Net charge-offs to loans | 0.0038% | 5,128 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 691.6180% | 76 |
| Efficiency ratio | 59.9889% | 5,436 |
| Assets per employee ($millions) | 3.5595% | 4,736 |
| Cash dividends to net income (ytd only)* | 89.7336% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8572% | 2,118 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 72.1966% | 1,572 |
| Net loans and leases to deposits | 81.5117% | 2,202 |
| Net loans and leases to core deposits | 87.3076% | 2,248 |
| Total domestic deposits to total assets | 88.5721% | 1,798 |
| Equity capital to assets | 9.0056% | 5,180 |
| Core capital (leverage) ratio | 8.1625% | 6,095 |
| Tier 1 risk-based capital ratio | 11.0249% | 6,271 |
| Total risk-based capital ratio | 12.2825% | 6,229 |
| Memoranda: | ||
| Average total assets | $96,567,250 | 4,867 |
| Average earning assets | $90,081,000 | 4,808 |
| Average equity | $8,589,000 | 5,240 |
| Average total loans | $70,885,500 | 4,267 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2341% | 3,221 |
| Cost of funding earning assets | 0.3276% | 5,589 |
| Net interest margin | 3.9065% | 2,194 |
| Noninterest income to average assets | 1.4061% | 797 |
| Noninterest expense to average assets | 3.1265% | 2,585 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.8362% | 478 |
| Return on assets (ROA) | 1.8362% | 511 |
| Pretax return on assets | 1.9293% | 699 |
| Return on Equity (ROE) | 20.7307% | 264 |
| Retained earnings to average equity (ytd only) | 0.0934% | 5,822 |
| Net charge-offs to loans | 0.0056% | 4,784 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 466.5000% | 102 |
| Efficiency ratio | 60.1227% | 5,472 |
| Assets per employee ($millions) | 3.3224% | 5,226 |
| Cash dividends to net income (ytd only)* | 99.5495% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8389% | 2,298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 75.3429% | 1,063 |
| Net loans and leases to deposits | 87.3668% | 1,416 |
| Net loans and leases to core deposits | 93.6581% | 1,551 |
| Total domestic deposits to total assets | 86.2375% | 3,239 |
| Equity capital to assets | 9.1682% | 5,030 |
| Core capital (leverage) ratio | 7.9489% | 6,219 |
| Tier 1 risk-based capital ratio | 10.9061% | 6,373 |
| Total risk-based capital ratio | 12.1634% | 6,343 |
| Memoranda: | ||
| Average total assets | $96,720,670 | 4,893 |
| Average earning assets | $90,362,000 | 4,835 |
| Average equity | $8,567,000 | 5,281 |
| Average total loans | $70,947,670 | 4,279 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0997% | 3,730 |
| Cost of funding earning assets | 0.3207% | 5,804 |
| Net interest margin | 3.7790% | 2,529 |
| Noninterest income to average assets | 1.3432% | 851 |
| Noninterest expense to average assets | 2.9827% | 3,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.8099% | 473 |
| Return on assets (ROA) | 1.8099% | 523 |
| Pretax return on assets | 1.8992% | 739 |
| Return on Equity (ROE) | 20.7780% | 244 |
| Retained earnings to average equity (ytd only) | -6.6154% | 6,449 |
| Net charge-offs to loans | 0.0113% | 3,918 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 234.0000% | 170 |
| Efficiency ratio | 59.3516% | 5,675 |
| Assets per employee ($millions) | 3.5304% | 4,922 |
| Cash dividends to net income (ytd only)* | 131.8386% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9058% | 2,288 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 68.3686% | 1,945 |
| Net loans and leases to deposits | 77.2545% | 2,457 |
| Net loans and leases to core deposits | 82.6228% | 2,496 |
| Total domestic deposits to total assets | 88.4978% | 2,010 |
| Equity capital to assets | 8.5968% | 5,920 |
| Core capital (leverage) ratio | 7.6467% | 6,389 |
| Tier 1 risk-based capital ratio | 10.7408% | 6,506 |
| Total risk-based capital ratio | 11.9981% | 6,472 |
| Memoranda: | ||
| Average total assets | $98,567,000 | 4,896 |
| Average earning assets | $92,298,500 | 4,837 |
| Average equity | $8,586,000 | 5,337 |
| Average total loans | $70,720,000 | 4,323 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2937% | 4,213 |
| Cost of funding earning assets | 0.4114% | 5,843 |
| Net interest margin | 3.8823% | 2,907 |
| Noninterest income to average assets | 1.4906% | 712 |
| Noninterest expense to average assets | 3.1865% | 2,658 |
| Loan and lease loss provision to assets | 0.1001% | 4,392 |
| Net operating income to assets | 1.6760% | 647 |
| Return on assets (ROA) | 1.6760% | 727 |
| Pretax return on assets | 1.7623% | 994 |
| Return on Equity (ROE) | 19.2834% | 334 |
| Retained earnings to average equity (ytd only) | 9.3933% | 723 |
| Net charge-offs to loans | -0.2727% | 6,967 |
| Credit loss provision to net charge-offs | -53.3708% | 6,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2769% | 5,345 |
| Assets per employee ($millions) | 3.3891% | 5,234 |
| Cash dividends to net income (ytd only)* | 51.2885% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8127% | 2,549 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 72.4734% | 1,424 |
| Net loans and leases to deposits | 81.7043% | 2,047 |
| Net loans and leases to core deposits | 86.7029% | 2,230 |
| Total domestic deposits to total assets | 88.7020% | 1,768 |
| Equity capital to assets | 8.8255% | 5,720 |
| Core capital (leverage) ratio | 7.8916% | 6,283 |
| Tier 1 risk-based capital ratio | 10.4171% | 6,579 |
| Total risk-based capital ratio | 11.6750% | 6,549 |
| Memoranda: | ||
| Average total assets | $94,931,200 | 4,969 |
| Average earning assets | $87,010,400 | 4,939 |
| Average equity | $8,250,600 | 5,432 |
| Average total loans | $65,261,800 | 4,536 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2897% | 4,487 |
| Cost of funding earning assets | 0.4271% | 5,948 |
| Net interest margin | 3.8626% | 3,062 |
| Noninterest income to average assets | 1.3745% | 789 |
| Noninterest expense to average assets | 3.1018% | 2,886 |
| Loan and lease loss provision to assets | 0.1346% | 3,862 |
| Net operating income to assets | 1.5828% | 883 |
| Return on assets (ROA) | 1.5828% | 986 |
| Pretax return on assets | 1.6621% | 1,385 |
| Return on Equity (ROE) | 18.2854% | 470 |
| Retained earnings to average equity (ytd only) | 7.9231% | 1,645 |
| Net charge-offs to loans | -0.3657% | 7,074 |
| Credit loss provision to net charge-offs | -54.5977% | 6,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4116% | 5,243 |
| Assets per employee ($millions) | 3.5843% | 4,778 |
| Cash dividends to net income (ytd only)* | 56.6696% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0199% | 2,110 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 65.7639% | 2,696 |
| Net loans and leases to deposits | 74.2374% | 3,247 |
| Net loans and leases to core deposits | 78.8539% | 3,343 |
| Total domestic deposits to total assets | 88.5859% | 1,666 |
| Equity capital to assets | 8.6975% | 6,105 |
| Core capital (leverage) ratio | 7.9473% | 6,368 |
| Tier 1 risk-based capital ratio | 10.8434% | 6,546 |
| Total risk-based capital ratio | 12.1010% | 6,518 |
| Memoranda: | ||
| Average total assets | $94,093,250 | 5,035 |
| Average earning assets | $85,846,250 | 5,024 |
| Average equity | $8,144,750 | 5,509 |
| Average total loans | $63,441,250 | 4,632 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2474% | 4,769 |
| Cost of funding earning assets | 0.4469% | 5,991 |
| Net interest margin | 3.8006% | 3,357 |
| Noninterest income to average assets | 1.3627% | 774 |
| Noninterest expense to average assets | 2.9614% | 3,403 |
| Loan and lease loss provision to assets | 0.2039% | 3,030 |
| Net operating income to assets | 1.6202% | 809 |
| Return on assets (ROA) | 1.6202% | 896 |
| Pretax return on assets | 1.7017% | 1,251 |
| Return on Equity (ROE) | 18.7484% | 435 |
| Retained earnings to average equity (ytd only) | 5.6618% | 2,899 |
| Net charge-offs to loans | -0.0032% | 6,123 |
| Credit loss provision to net charge-offs | -9,500.0000% | 6,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9065% | 5,745 |
| Assets per employee ($millions) | 3.3446% | 5,346 |
| Cash dividends to net income (ytd only)* | 69.8013% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8945% | 2,578 |
| Loan loss allowance to noncurrent loans | 665.4971% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.1894% | 6,317 |
| Noncurrent loans to loans | 0.2847% | 6,001 |
| Net loans and leases to total assets | 65.2596% | 2,807 |
| Net loans and leases to deposits | 74.0947% | 3,280 |
| Net loans and leases to core deposits | 79.6185% | 3,266 |
| Total domestic deposits to total assets | 88.0758% | 2,092 |
| Equity capital to assets | 9.0339% | 5,664 |
| Core capital (leverage) ratio | 7.6069% | 6,563 |
| Tier 1 risk-based capital ratio | 11.3449% | 6,317 |
| Total risk-based capital ratio | 12.6019% | 6,284 |
| Memoranda: | ||
| Average total assets | $93,199,330 | 5,088 |
| Average earning assets | $85,934,000 | 5,048 |
| Average equity | $8,054,000 | 5,556 |
| Average total loans | $62,936,670 | 4,678 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2253% | 5,014 |
| Cost of funding earning assets | 0.4624% | 6,065 |
| Net interest margin | 3.7630% | 3,549 |
| Noninterest income to average assets | 1.3397% | 795 |
| Noninterest expense to average assets | 2.8738% | 3,728 |
| Loan and lease loss provision to assets | 0.3170% | 1,976 |
| Net operating income to assets | 1.5510% | 941 |
| Return on assets (ROA) | 1.5510% | 1,051 |
| Pretax return on assets | 1.6229% | 1,493 |
| Return on Equity (ROE) | 18.3454% | 512 |
| Retained earnings to average equity (ytd only) | 5.1987% | 3,437 |
| Net charge-offs to loans | 0.0062% | 4,661 |
| Credit loss provision to net charge-offs | 7,500.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 459.0000% | 57 |
| Efficiency ratio | 57.7700% | 5,949 |
| Assets per employee ($millions) | 3.7420% | 4,557 |
| Cash dividends to net income (ytd only)* | 71.6621% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8465% | 2,853 |
| Loan loss allowance to noncurrent loans | 228.8934% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.5016% | 5,607 |
| Noncurrent loans to loans | 0.8067% | 5,059 |
| Net loans and leases to total assets | 61.0283% | 3,445 |
| Net loans and leases to deposits | 68.4706% | 3,981 |
| Net loans and leases to core deposits | 73.1147% | 4,002 |
| Total domestic deposits to total assets | 89.1305% | 1,619 |
| Equity capital to assets | 8.2587% | 6,301 |
| Core capital (leverage) ratio | 7.3217% | 6,718 |
| Tier 1 risk-based capital ratio | 10.6406% | 6,699 |
| Total risk-based capital ratio | 11.8963% | 6,680 |
| Memoranda: | ||
| Average total assets | $94,647,000 | 5,083 |
| Average earning assets | $87,377,500 | 5,045 |
| Average equity | $8,002,000 | 5,596 |
| Average total loans | $64,370,000 | 4,650 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4850% | 5,137 |
| Cost of funding earning assets | 0.7111% | 5,469 |
| Net interest margin | 3.7739% | 3,959 |
| Noninterest income to average assets | 1.5917% | 532 |
| Noninterest expense to average assets | 3.1924% | 2,894 |
| Loan and lease loss provision to assets | 0.3159% | 3,151 |
| Net operating income to assets | 1.5026% | 822 |
| Return on assets (ROA) | 1.5026% | 893 |
| Pretax return on assets | 1.5737% | 1,269 |
| Return on Equity (ROE) | 17.1858% | 457 |
| Retained earnings to average equity (ytd only) | 3.9868% | 3,357 |
| Net charge-offs to loans | 0.6603% | 2,505 |
| Credit loss provision to net charge-offs | 70.5290% | 4,828 |
| Earnings coverage of net charge-offs (x) | 4.2191% | 3,214 |
| Efficiency ratio | 60.3996% | 5,684 |
| Assets per employee ($millions) | 3.4075% | 5,227 |
| Cash dividends to net income (ytd only)* | 76.8018% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 3,903 |
| Loan loss allowance to noncurrent loans | 201.1583% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.6141% | 5,425 |
| Noncurrent loans to loans | 0.7590% | 5,175 |
| Net loans and leases to total assets | 73.0476% | 1,444 |
| Net loans and leases to deposits | 87.2329% | 1,483 |
| Net loans and leases to core deposits | 93.9340% | 1,706 |
| Total domestic deposits to total assets | 83.7386% | 4,435 |
| Equity capital to assets | 8.6617% | 5,946 |
| Core capital (leverage) ratio | 7.4679% | 6,668 |
| Tier 1 risk-based capital ratio | 9.6529% | 6,925 |
| Total risk-based capital ratio | 10.9054% | 6,923 |
| Memoranda: | ||
| Average total assets | $88,646,800 | 5,218 |
| Average earning assets | $81,983,800 | 5,168 |
| Average equity | $7,750,600 | 5,645 |
| Average total loans | $60,124,200 | 4,862 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4677% | 5,357 |
| Cost of funding earning assets | 0.7591% | 5,407 |
| Net interest margin | 3.7086% | 4,298 |
| Noninterest income to average assets | 1.6505% | 499 |
| Noninterest expense to average assets | 3.1781% | 2,888 |
| Loan and lease loss provision to assets | 0.1594% | 4,472 |
| Net operating income to assets | 1.6703% | 674 |
| Return on assets (ROA) | 1.6703% | 740 |
| Pretax return on assets | 1.7477% | 1,047 |
| Return on Equity (ROE) | 19.0570% | 378 |
| Retained earnings to average equity (ytd only) | 5.3360% | 2,962 |
| Net charge-offs to loans | 0.0941% | 5,036 |
| Credit loss provision to net charge-offs | 256.0976% | 1,116 |
| Earnings coverage of net charge-offs (x) | 30.6314% | 922 |
| Efficiency ratio | 60.0179% | 5,719 |
| Assets per employee ($millions) | 3.2294% | 5,612 |
| Cash dividends to net income (ytd only)* | 71.9998% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1743% | 1,913 |
| Loan loss allowance to noncurrent loans | 51.0008% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 2.8099% | 2,313 |
| Noncurrent loans to loans | 4.2632% | 1,533 |
| Net loans and leases to total assets | 63.1083% | 3,491 |
| Net loans and leases to deposits | 72.0160% | 3,990 |
| Net loans and leases to core deposits | 77.6776% | 3,955 |
| Total domestic deposits to total assets | 87.6309% | 2,275 |
| Equity capital to assets | 9.1705% | 5,555 |
| Core capital (leverage) ratio | 7.6915% | 6,647 |
| Tier 1 risk-based capital ratio | 11.3796% | 6,311 |
| Total risk-based capital ratio | 12.6325% | 6,307 |
| Memoranda: | ||
| Average total assets | $87,807,750 | 5,277 |
| Average earning assets | $81,323,000 | 5,230 |
| Average equity | $7,696,000 | 5,694 |
| Average total loans | $58,093,250 | 4,993 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5551% | 5,154 |
| Cost of funding earning assets | 0.7975% | 5,384 |
| Net interest margin | 3.7576% | 3,998 |
| Noninterest income to average assets | 1.5907% | 513 |
| Noninterest expense to average assets | 3.1564% | 3,062 |
| Loan and lease loss provision to assets | 0.0682% | 5,453 |
| Net operating income to assets | 1.7725% | 529 |
| Return on assets (ROA) | 1.7725% | 567 |
| Pretax return on assets | 1.8566% | 775 |
| Return on Equity (ROE) | 20.5371% | 283 |
| Retained earnings to average equity (ytd only) | 5.7662% | 2,559 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5707% | 5,935 |
| Assets per employee ($millions) | 3.3003% | 5,425 |
| Cash dividends to net income (ytd only)* | 71.9231% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0740% | 2,172 |
| Loan loss allowance to noncurrent loans | 151.0801% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.9172% | 5,033 |
| Noncurrent loans to loans | 1.3728% | 4,352 |
| Net loans and leases to total assets | 65.4251% | 3,154 |
| Net loans and leases to deposits | 75.3719% | 3,584 |
| Net loans and leases to core deposits | 81.5645% | 3,564 |
| Total domestic deposits to total assets | 86.8031% | 2,855 |
| Equity capital to assets | 9.1763% | 5,314 |
| Core capital (leverage) ratio | 7.4397% | 6,784 |
| Tier 1 risk-based capital ratio | 10.9682% | 6,555 |
| Total risk-based capital ratio | 12.2262% | 6,526 |
| Memoranda: | ||
| Average total assets | $88,012,670 | 5,313 |
| Average earning assets | $81,754,330 | 5,272 |
| Average equity | $7,596,000 | 5,733 |
| Average total loans | $58,708,000 | 5,022 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4006% | 5,700 |
| Cost of funding earning assets | 0.8492% | 5,277 |
| Net interest margin | 3.5514% | 4,810 |
| Noninterest income to average assets | 1.5620% | 534 |
| Noninterest expense to average assets | 3.2542% | 2,696 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5351% | 813 |
| Return on assets (ROA) | 1.5351% | 855 |
| Pretax return on assets | 1.6114% | 1,163 |
| Return on Equity (ROE) | 18.3452% | 446 |
| Retained earnings to average equity (ytd only) | 0.6437% | 5,573 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2989% | 5,314 |
| Assets per employee ($millions) | 3.5554% | 4,862 |
| Cash dividends to net income (ytd only)* | 96.4912% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1071% | 2,175 |
| Loan loss allowance to noncurrent loans | 145.7862% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.8600% | 5,186 |
| Noncurrent loans to loans | 1.4453% | 4,301 |
| Net loans and leases to total assets | 58.2497% | 4,605 |
| Net loans and leases to deposits | 66.4175% | 4,907 |
| Net loans and leases to core deposits | 72.5873% | 4,713 |
| Total domestic deposits to total assets | 87.7023% | 2,554 |
| Equity capital to assets | 8.0712% | 6,424 |
| Core capital (leverage) ratio | 7.1660% | 6,934 |
| Tier 1 risk-based capital ratio | 10.5772% | 6,764 |
| Total risk-based capital ratio | 11.8346% | 6,748 |
| Memoranda: | ||
| Average total assets | $89,115,000 | 5,316 |
| Average earning assets | $82,898,000 | 5,275 |
| Average equity | $7,457,000 | 5,788 |
| Average total loans | $59,397,500 | 5,030 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9374% | 4,844 |
| Cost of funding earning assets | 1.0140% | 5,619 |
| Net interest margin | 3.9234% | 3,384 |
| Noninterest income to average assets | 1.5536% | 608 |
| Noninterest expense to average assets | 3.3616% | 2,554 |
| Loan and lease loss provision to assets | 0.1314% | 5,858 |
| Net operating income to assets | 1.6157% | 607 |
| Return on assets (ROA) | 1.6157% | 652 |
| Pretax return on assets | 1.7017% | 937 |
| Return on Equity (ROE) | 18.6415% | 331 |
| Retained earnings to average equity (ytd only) | 7.2747% | 1,214 |
| Net charge-offs to loans | 0.0553% | 6,237 |
| Credit loss provision to net charge-offs | 333.3333% | 768 |
| Earnings coverage of net charge-offs (x) | 46.5152% | 498 |
| Efficiency ratio | 62.7356% | 5,573 |
| Assets per employee ($millions) | 3.1774% | 5,724 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8169% | 2,808 |
| Loan loss allowance to noncurrent loans | 165.0997% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.8194% | 5,360 |
| Noncurrent loans to loans | 1.1005% | 4,900 |
| Net loans and leases to total assets | 73.0050% | 1,869 |
| Net loans and leases to deposits | 84.1272% | 2,430 |
| Net loans and leases to core deposits | 93.0209% | 2,383 |
| Total domestic deposits to total assets | 86.7793% | 2,938 |
| Equity capital to assets | 8.6875% | 5,603 |
| Core capital (leverage) ratio | 7.6118% | 6,611 |
| Tier 1 risk-based capital ratio | 9.6274% | 7,099 |
| Total risk-based capital ratio | 10.8840% | 7,103 |
| Memoranda: | ||
| Average total assets | $83,740,800 | 5,474 |
| Average earning assets | $77,713,200 | 5,423 |
| Average equity | $7,258,000 | 5,944 |
| Average total loans | $59,673,800 | 5,082 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8855% | 5,329 |
| Cost of funding earning assets | 1.0293% | 5,803 |
| Net interest margin | 3.8563% | 3,726 |
| Noninterest income to average assets | 1.6164% | 538 |
| Noninterest expense to average assets | 3.3129% | 2,533 |
| Loan and lease loss provision to assets | 0.1762% | 5,278 |
| Net operating income to assets | 1.6228% | 715 |
| Return on assets (ROA) | 1.6228% | 783 |
| Pretax return on assets | 1.7045% | 1,109 |
| Return on Equity (ROE) | 18.7347% | 410 |
| Retained earnings to average equity (ytd only) | 7.6381% | 1,541 |
| Net charge-offs to loans | 0.0477% | 6,043 |
| Credit loss provision to net charge-offs | 523.8095% | 555 |
| Earnings coverage of net charge-offs (x) | 55.9032% | 518 |
| Efficiency ratio | 61.2276% | 5,747 |
| Assets per employee ($millions) | 3.1895% | 5,699 |
| Cash dividends to net income (ytd only)* | 59.2301% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9748% | 2,289 |
| Loan loss allowance to noncurrent loans | 240.4517% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.5667% | 6,021 |
| Noncurrent loans to loans | 0.8213% | 5,574 |
| Net loans and leases to total assets | 67.4973% | 3,333 |
| Net loans and leases to deposits | 77.8835% | 3,848 |
| Net loans and leases to core deposits | 87.2972% | 3,473 |
| Total domestic deposits to total assets | 86.6645% | 2,708 |
| Equity capital to assets | 8.7405% | 5,954 |
| Core capital (leverage) ratio | 7.5297% | 6,826 |
| Tier 1 risk-based capital ratio | 9.9471% | 7,092 |
| Total risk-based capital ratio | 11.2051% | 7,075 |
| Memoranda: | ||
| Average total assets | $83,228,500 | 5,558 |
| Average earning assets | $77,206,000 | 5,506 |
| Average equity | $7,209,250 | 6,040 |
| Average total loans | $58,644,750 | 5,198 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9425% | 5,214 |
| Cost of funding earning assets | 1.0666% | 5,836 |
| Net interest margin | 3.8759% | 3,556 |
| Noninterest income to average assets | 1.5413% | 539 |
| Noninterest expense to average assets | 3.2431% | 2,750 |
| Loan and lease loss provision to assets | 0.2674% | 4,248 |
| Net operating income to assets | 1.5413% | 830 |
| Return on assets (ROA) | 1.5413% | 885 |
| Pretax return on assets | 1.6264% | 1,227 |
| Return on Equity (ROE) | 17.8508% | 474 |
| Retained earnings to average equity (ytd only) | 6.5885% | 2,026 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5301% | 5,949 |
| Assets per employee ($millions) | 3.0274% | 6,086 |
| Cash dividends to net income (ytd only)* | 63.0915% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0571% | 2,056 |
| Loan loss allowance to noncurrent loans | 200.3361% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 1.5684% | 4,106 |
| Noncurrent loans to loans | 1.0268% | 5,251 |
| Net loans and leases to total assets | 69.4303% | 3,034 |
| Net loans and leases to deposits | 80.3969% | 3,535 |
| Net loans and leases to core deposits | 90.9139% | 3,140 |
| Total domestic deposits to total assets | 86.3594% | 2,895 |
| Equity capital to assets | 8.9331% | 5,551 |
| Core capital (leverage) ratio | 7.3127% | 6,989 |
| Tier 1 risk-based capital ratio | 10.0193% | 7,013 |
| Total risk-based capital ratio | 11.2785% | 6,987 |
| Memoranda: | ||
| Average total assets | $82,266,000 | 5,620 |
| Average earning assets | $76,318,330 | 5,564 |
| Average equity | $7,103,330 | 6,109 |
| Average total loans | $58,427,330 | 5,253 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8682% | 5,614 |
| Cost of funding earning assets | 1.0703% | 6,038 |
| Net interest margin | 3.7979% | 3,803 |
| Noninterest income to average assets | 1.5171% | 525 |
| Noninterest expense to average assets | 3.3007% | 2,530 |
| Loan and lease loss provision to assets | 0.2423% | 4,108 |
| Net operating income to assets | 1.4250% | 1,025 |
| Return on assets (ROA) | 1.4250% | 1,096 |
| Pretax return on assets | 1.5171% | 1,475 |
| Return on Equity (ROE) | 16.7904% | 630 |
| Retained earnings to average equity (ytd only) | 5.3684% | 2,950 |
| Net charge-offs to loans | 0.0068% | 5,507 |
| Credit loss provision to net charge-offs | 5,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 363.0000% | 75 |
| Efficiency ratio | 62.6437% | 5,719 |
| Assets per employee ($millions) | 3.1277% | 5,928 |
| Cash dividends to net income (ytd only)* | 68.0272% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9561% | 2,293 |
| Loan loss allowance to noncurrent loans | 221.3307% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.6063% | 6,003 |
| Noncurrent loans to loans | 0.8838% | 5,552 |
| Net loans and leases to total assets | 67.1285% | 3,595 |
| Net loans and leases to deposits | 77.3866% | 4,150 |
| Net loans and leases to core deposits | 87.0436% | 3,741 |
| Total domestic deposits to total assets | 86.7443% | 2,768 |
| Equity capital to assets | 8.3461% | 6,234 |
| Core capital (leverage) ratio | 7.1782% | 7,121 |
| Tier 1 risk-based capital ratio | 9.5556% | 7,272 |
| Total risk-based capital ratio | 10.8131% | 7,264 |
| Memoranda: | ||
| Average total assets | $82,528,500 | 5,680 |
| Average earning assets | $76,989,500 | 5,601 |
| Average equity | $7,004,000 | 6,187 |
| Average total loans | $58,668,500 | 5,307 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1070% | 6,061 |
| Cost of funding earning assets | 1.4955% | 5,530 |
| Net interest margin | 3.6116% | 4,514 |
| Noninterest income to average assets | 1.6178% | 553 |
| Noninterest expense to average assets | 3.4409% | 2,552 |
| Loan and lease loss provision to assets | 0.1503% | 6,161 |
| Net operating income to assets | 1.3035% | 1,028 |
| Return on assets (ROA) | 1.3035% | 1,072 |
| Pretax return on assets | 1.3711% | 1,499 |
| Return on Equity (ROE) | 15.1361% | 653 |
| Retained earnings to average equity (ytd only) | 5.3216% | 1,668 |
| Net charge-offs to loans | 0.0086% | 7,113 |
| Credit loss provision to net charge-offs | 2,400.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 243.0000% | 115 |
| Efficiency ratio | 66.5657% | 5,275 |
| Assets per employee ($millions) | 3.1004% | 5,992 |
| Cash dividends to net income (ytd only)* | 64.8415% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8179% | 2,487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 7,547 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 72.4922% | 2,638 |
| Net loans and leases to deposits | 82.6079% | 3,518 |
| Net loans and leases to core deposits | 101.0968% | 3,892 |
| Total domestic deposits to total assets | 87.7546% | 2,094 |
| Equity capital to assets | 8.6342% | 5,687 |
| Core capital (leverage) ratio | 7.2340% | 7,043 |
| Tier 1 risk-based capital ratio | 9.1657% | 7,392 |
| Total risk-based capital ratio | 10.4209% | 7,400 |
| Memoranda: | ||
| Average total assets | $79,861,800 | 5,736 |
| Average earning assets | $73,956,800 | 5,681 |
| Average equity | $6,877,600 | 6,306 |
| Average total loans | $57,834,400 | 5,348 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1336% | 6,159 |
| Cost of funding earning assets | 1.5361% | 5,687 |
| Net interest margin | 3.5975% | 4,492 |
| Noninterest income to average assets | 1.6433% | 540 |
| Noninterest expense to average assets | 3.4339% | 2,466 |
| Loan and lease loss provision to assets | 0.1506% | 5,842 |
| Net operating income to assets | 1.3203% | 1,177 |
| Return on assets (ROA) | 1.3203% | 1,244 |
| Pretax return on assets | 1.3940% | 1,712 |
| Return on Equity (ROE) | 15.3415% | 728 |
| Retained earnings to average equity (ytd only) | 6.5917% | 1,668 |
| Net charge-offs to loans | -0.0070% | 7,651 |
| Credit loss provision to net charge-offs | -3,000.0000% | 7,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2521% | 5,318 |
| Assets per employee ($millions) | 2.9271% | 6,337 |
| Cash dividends to net income (ytd only)* | 57.0349% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8537% | 2,147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 7,616 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 71.0134% | 3,268 |
| Net loans and leases to deposits | 81.1556% | 4,174 |
| Net loans and leases to core deposits | 97.2282% | 4,684 |
| Total domestic deposits to total assets | 87.5027% | 1,885 |
| Equity capital to assets | 8.8115% | 5,768 |
| Core capital (leverage) ratio | 7.1783% | 7,282 |
| Tier 1 risk-based capital ratio | 9.3979% | 7,437 |
| Total risk-based capital ratio | 10.6533% | 7,403 |
| Memoranda: | ||
| Average total assets | $79,674,750 | 5,776 |
| Average earning assets | $73,865,000 | 5,725 |
| Average equity | $6,857,000 | 6,371 |
| Average total loans | $57,413,500 | 5,406 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1365% | 6,293 |
| Cost of funding earning assets | 1.5767% | 5,819 |
| Net interest margin | 3.5598% | 4,535 |
| Noninterest income to average assets | 1.6072% | 581 |
| Noninterest expense to average assets | 3.3046% | 2,936 |
| Loan and lease loss provision to assets | 0.1502% | 5,568 |
| Net operating income to assets | 1.3694% | 1,084 |
| Return on assets (ROA) | 1.3694% | 1,152 |
| Pretax return on assets | 1.4420% | 1,616 |
| Return on Equity (ROE) | 16.0379% | 690 |
| Retained earnings to average equity (ytd only) | 9.4410% | 827 |
| Net charge-offs to loans | -0.0070% | 7,568 |
| Credit loss provision to net charge-offs | -3,000.0000% | 7,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7239% | 5,768 |
| Assets per employee ($millions) | 2.9961% | 6,140 |
| Cash dividends to net income (ytd only)* | 41.1335% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8255% | 1,975 |
| Loan loss allowance to noncurrent loans | 11,433.3333% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 7,607 |
| Noncurrent loans to loans | 0.0160% | 7,515 |
| Net loans and leases to total assets | 68.4084% | 4,083 |
| Net loans and leases to deposits | 77.9291% | 4,884 |
| Net loans and leases to core deposits | 91.0840% | 5,437 |
| Total domestic deposits to total assets | 87.7829% | 1,887 |
| Equity capital to assets | 8.5296% | 6,005 |
| Core capital (leverage) ratio | 7.0950% | 7,458 |
| Tier 1 risk-based capital ratio | 9.3136% | 7,526 |
| Total risk-based capital ratio | 10.5690% | 7,510 |
| Memoranda: | ||
| Average total assets | $79,888,670 | 5,804 |
| Average earning assets | $73,824,330 | 5,751 |
| Average equity | $6,821,330 | 6,433 |
| Average total loans | $57,490,000 | 5,449 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3697% | 5,574 |
| Cost of funding earning assets | 1.6456% | 5,832 |
| Net interest margin | 3.7242% | 3,783 |
| Noninterest income to average assets | 1.7736% | 432 |
| Noninterest expense to average assets | 3.4314% | 2,273 |
| Loan and lease loss provision to assets | 0.1512% | 4,991 |
| Net operating income to assets | 1.5721% | 822 |
| Return on assets (ROA) | 1.5721% | 901 |
| Pretax return on assets | 1.6577% | 1,275 |
| Return on Equity (ROE) | 18.4017% | 563 |
| Retained earnings to average equity (ytd only) | 18.4017% | 221 |
| Net charge-offs to loans | -0.0276% | 7,532 |
| Credit loss provision to net charge-offs | -750.0000% | 6,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8846% | 5,898 |
| Assets per employee ($millions) | 2.9799% | 6,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7973% | 1,858 |
| Loan loss allowance to noncurrent loans | 10,010.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 7,596 |
| Noncurrent loans to loans | 0.0180% | 7,509 |
| Net loans and leases to total assets | 67.9804% | 4,145 |
| Net loans and leases to deposits | 77.5728% | 4,995 |
| Net loans and leases to core deposits | 90.7876% | 5,478 |
| Total domestic deposits to total assets | 87.6344% | 1,908 |
| Equity capital to assets | 8.5909% | 5,928 |
| Core capital (leverage) ratio | 7.1100% | 7,549 |
| Tier 1 risk-based capital ratio | 9.3795% | 7,522 |
| Total risk-based capital ratio | 10.6354% | 7,480 |
| Memoranda: | ||
| Average total assets | $79,385,500 | 5,847 |
| Average earning assets | $73,895,500 | 5,775 |
| Average equity | $6,782,000 | 6,489 |
| Average total loans | $58,051,000 | 5,448 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9630% | 5,736 |
| Cost of funding earning assets | 2.1344% | 5,906 |
| Net interest margin | 3.8286% | 3,899 |
| Noninterest income to average assets | 1.4503% | 674 |
| Noninterest expense to average assets | 3.1740% | 3,435 |
| Loan and lease loss provision to assets | 0.0991% | 6,112 |
| Net operating income to assets | 1.6550% | 738 |
| Return on assets (ROA) | 1.6550% | 707 |
| Pretax return on assets | 1.7382% | 1,070 |
| Return on Equity (ROE) | 19.5269% | 414 |
| Retained earnings to average equity (ytd only) | 4.5194% | 2,316 |
| Net charge-offs to loans | 0.0608% | 5,909 |
| Credit loss provision to net charge-offs | 220.5882% | 2,172 |
| Earnings coverage of net charge-offs (x) | 40.9118% | 905 |
| Efficiency ratio | 61.9399% | 5,961 |
| Assets per employee ($millions) | 2.9005% | 6,305 |
| Cash dividends to net income (ytd only)* | 76.8555% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6008% | 2,246 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 75.8983% | 2,653 |
| Net loans and leases to deposits | 86.7925% | 3,992 |
| Net loans and leases to core deposits | 101.1917% | 4,701 |
| Total domestic deposits to total assets | 87.4480% | 1,728 |
| Equity capital to assets | 8.4940% | 6,097 |
| Core capital (leverage) ratio | 7.1520% | 7,566 |
| Tier 1 risk-based capital ratio | 8.2500% | 8,042 |
| Total risk-based capital ratio | 9.5026% | 8,083 |
| Memoranda: | ||
| Average total assets | $75,709,800 | 5,849 |
| Average earning assets | $70,417,600 | 5,805 |
| Average equity | $6,416,800 | 6,674 |
| Average total loans | $55,914,000 | 5,453 |