Home > Bank of Estes Park > Performance and Condition Ratios
Bank of Estes Park, 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 | 4.2334% | 3,568 |
| Cost of funding earning assets | 0.6936% | 3,939 |
| Net interest margin | 3.5398% | 2,091 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.6307% | 1,919 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 0.7576% | 3,021 |
| Return on assets (ROA) | 0.7576% | 2,996 |
| Pretax return on assets | 0.7576% | 3,319 |
| Return on Equity (ROE) | 9.0500% | 2,744 |
| Retained earnings to average equity (ytd only) | -1.8362% | 4,260 |
| Net charge-offs to loans | 0.2700% | 396 |
| Credit loss provision to net charge-offs | 101.9048% | 1,819 |
| Earnings coverage of net charge-offs (x) | 6.6571% | 2,458 |
| Efficiency ratio | 73.8006% | 1,481 |
| Assets per employee ($millions) | 5.5178% | 3,236 |
| Cash dividends to net income (ytd only)* | 120.2822% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7649% | 572 |
| Loan loss allowance to noncurrent loans | 89.3417% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 1.0706% | 440 |
| Noncurrent loans to loans | 1.9755% | 292 |
| Net loans and leases to total assets | 53.2400% | 3,403 |
| Net loans and leases to deposits | 58.9184% | 3,584 |
| Net loans and leases to core deposits | 61.2082% | 3,717 |
| Total domestic deposits to total assets | 90.3600% | 660 |
| Equity capital to assets | 8.7985% | 2,830 |
| Core capital (leverage) ratio | 11.0465% | 1,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $149,692,400 | 3,366 |
| Average earning assets | $140,571,200 | 3,340 |
| Average equity | $12,526,000 | 3,485 |
| Average total loans | $77,771,400 | 3,442 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1143% | 3,632 |
| Cost of funding earning assets | 0.5997% | 3,971 |
| Net interest margin | 3.5146% | 2,177 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.6137% | 1,905 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.8701% | 2,794 |
| Return on assets (ROA) | 0.8701% | 2,780 |
| Pretax return on assets | 0.8701% | 3,175 |
| Return on Equity (ROE) | 10.5300% | 2,497 |
| Retained earnings to average equity (ytd only) | -1.1200% | 4,264 |
| Net charge-offs to loans | 0.0035% | 2,384 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 523.0000% | 299 |
| Efficiency ratio | 73.7450% | 1,383 |
| Assets per employee ($millions) | 5.5570% | 3,137 |
| Cash dividends to net income (ytd only)* | 110.6339% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8244% | 540 |
| Loan loss allowance to noncurrent loans | 78.8333% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.1997% | 375 |
| Noncurrent loans to loans | 2.3143% | 221 |
| Net loans and leases to total assets | 50.8900% | 3,561 |
| Net loans and leases to deposits | 55.6606% | 3,729 |
| Net loans and leases to core deposits | 57.1525% | 3,810 |
| Total domestic deposits to total assets | 91.4300% | 573 |
| Equity capital to assets | 7.7613% | 3,203 |
| Core capital (leverage) ratio | 11.0229% | 1,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $149,870,500 | 3,369 |
| Average earning assets | $140,742,250 | 3,349 |
| Average equity | $12,380,500 | 3,491 |
| Average total loans | $77,029,000 | 3,457 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0344% | 3,616 |
| Cost of funding earning assets | 0.5184% | 3,945 |
| Net interest margin | 3.5160% | 2,226 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.6232% | 1,864 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.8183% | 3,028 |
| Return on assets (ROA) | 0.8183% | 3,039 |
| Pretax return on assets | 0.8183% | 3,362 |
| Return on Equity (ROE) | 9.7100% | 2,787 |
| Retained earnings to average equity (ytd only) | -0.2059% | 4,128 |
| Net charge-offs to loans | 0.0052% | 2,079 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 340.5000% | 411 |
| Efficiency ratio | 74.2630% | 1,320 |
| Assets per employee ($millions) | 5.3527% | 3,276 |
| Cash dividends to net income (ytd only)* | 102.1207% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7978% | 617 |
| Loan loss allowance to noncurrent loans | 90.2098% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 1.0884% | 403 |
| Noncurrent loans to loans | 1.9930% | 282 |
| Net loans and leases to total assets | 53.6300% | 3,292 |
| Net loans and leases to deposits | 59.2278% | 3,466 |
| Net loans and leases to core deposits | 60.3361% | 3,613 |
| Total domestic deposits to total assets | 90.5500% | 766 |
| Equity capital to assets | 8.7578% | 2,687 |
| Core capital (leverage) ratio | 11.4199% | 1,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $149,814,333 | 3,381 |
| Average earning assets | $140,443,333 | 3,362 |
| Average equity | $12,625,667 | 3,474 |
| Average total loans | $76,779,667 | 3,467 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3021% | 3,584 |
| Cost of funding earning assets | 0.0578% | 4,555 |
| Net interest margin | 3.2443% | 2,721 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.2676% | 2,841 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.9526% | 2,759 |
| Return on assets (ROA) | 0.9526% | 2,707 |
| Pretax return on assets | 0.9526% | 3,216 |
| Return on Equity (ROE) | 11.8100% | 2,212 |
| Retained earnings to average equity (ytd only) | 8.3165% | 1,719 |
| Net charge-offs to loans | 0.0041% | 2,300 |
| Credit loss provision to net charge-offs | 6,333.3333% | 106 |
| Earnings coverage of net charge-offs (x) | 583.0000% | 298 |
| Efficiency ratio | 67.9670% | 1,971 |
| Assets per employee ($millions) | 6.2258% | 2,571 |
| Cash dividends to net income (ytd only)* | 29.5702% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8706% | 569 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 47.8900% | 3,674 |
| Net loans and leases to deposits | 52.3112% | 3,778 |
| Net loans and leases to core deposits | 52.6682% | 3,882 |
| Total domestic deposits to total assets | 91.5600% | 767 |
| Equity capital to assets | 7.9668% | 3,078 |
| Core capital (leverage) ratio | 10.3450% | 2,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $163,656,200 | 3,317 |
| Average earning assets | $153,993,000 | 3,283 |
| Average equity | $13,202,600 | 3,557 |
| Average total loans | $72,550,400 | 3,530 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0737% | 3,730 |
| Cost of funding earning assets | 0.0427% | 4,605 |
| Net interest margin | 3.0310% | 3,138 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.2359% | 2,834 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.8145% | 3,191 |
| Return on assets (ROA) | 0.8145% | 3,157 |
| Pretax return on assets | 0.8145% | 3,544 |
| Return on Equity (ROE) | 10.0700% | 2,700 |
| Retained earnings to average equity (ytd only) | 7.9581% | 2,011 |
| Net charge-offs to loans | 0.0056% | 1,965 |
| Credit loss provision to net charge-offs | 4,166.6667% | 133 |
| Earnings coverage of net charge-offs (x) | 379.0000% | 406 |
| Efficiency ratio | 70.9579% | 1,650 |
| Assets per employee ($millions) | 6.7993% | 2,094 |
| Cash dividends to net income (ytd only)* | 20.9486% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7420% | 816 |
| Loan loss allowance to noncurrent loans | 67,800.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 4,026 |
| Noncurrent loans to loans | 0.0026% | 3,952 |
| Net loans and leases to total assets | 46.8700% | 3,716 |
| Net loans and leases to deposits | 50.5753% | 3,815 |
| Net loans and leases to core deposits | 50.9004% | 3,908 |
| Total domestic deposits to total assets | 92.6800% | 665 |
| Equity capital to assets | 6.9095% | 3,564 |
| Core capital (leverage) ratio | 9.9174% | 2,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $165,658,750 | 3,328 |
| Average earning assets | $156,160,500 | 3,301 |
| Average equity | $13,403,250 | 3,570 |
| Average total loans | $71,696,500 | 3,560 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8463% | 3,903 |
| Cost of funding earning assets | 0.0368% | 4,667 |
| Net interest margin | 2.8094% | 3,424 |
| Noninterest income to average assets | 0.3208% | 3,254 |
| Noninterest expense to average assets | 2.2200% | 2,787 |
| Loan and lease loss provision to assets | 0.0601% | 1,517 |
| Net operating income to assets | 0.6968% | 3,319 |
| Return on assets (ROA) | 0.6968% | 3,274 |
| Pretax return on assets | 0.6968% | 3,583 |
| Return on Equity (ROE) | 8.2196% | 2,960 |
| Retained earnings to average equity (ytd only) | 7.1142% | 1,951 |
| Net charge-offs to loans | 0.0057% | 1,794 |
| Credit loss provision to net charge-offs | 2,500.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 315.0000% | 388 |
| Efficiency ratio | 74.5763% | 1,445 |
| Assets per employee ($millions) | 6.1630% | 2,604 |
| Cash dividends to net income (ytd only)* | 13.4483% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7607% | 858 |
| 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 | 44.6395% | 3,784 |
| Net loans and leases to deposits | 48.7192% | 3,883 |
| Net loans and leases to core deposits | 49.0415% | 3,976 |
| Total domestic deposits to total assets | 91.6262% | 993 |
| Equity capital to assets | 7.9982% | 3,129 |
| Core capital (leverage) ratio | 9.8409% | 2,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,484,333 | 3,359 |
| Average earning assets | $157,398,667 | 3,332 |
| Average equity | $14,112,667 | 3,576 |
| Average total loans | $69,647,667 | 3,625 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5775% | 4,162 |
| Cost of funding earning assets | 0.0348% | 4,691 |
| Net interest margin | 2.5427% | 3,803 |
| Noninterest income to average assets | 0.3396% | 3,061 |
| Noninterest expense to average assets | 2.1343% | 3,031 |
| Loan and lease loss provision to assets | 0.1179% | 707 |
| Net operating income to assets | 0.5000% | 3,716 |
| Return on assets (ROA) | 0.5000% | 3,681 |
| Pretax return on assets | 0.5000% | 3,869 |
| Return on Equity (ROE) | 5.7449% | 3,418 |
| Retained earnings to average equity (ytd only) | 5.7449% | 2,336 |
| Net charge-offs to loans | 0.0118% | 1,331 |
| Credit loss provision to net charge-offs | 2,500.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 131.0000% | 580 |
| Efficiency ratio | 77.5493% | 1,352 |
| Assets per employee ($millions) | 6.4824% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8650% | 788 |
| 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 | 40.0244% | 4,010 |
| Net loans and leases to deposits | 43.7763% | 4,079 |
| Net loans and leases to core deposits | 44.0519% | 4,159 |
| Total domestic deposits to total assets | 91.4294% | 841 |
| Equity capital to assets | 8.1944% | 3,411 |
| Core capital (leverage) ratio | 9.3367% | 2,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,608,000 | 3,349 |
| Average earning assets | $160,933,500 | 3,317 |
| Average equity | $14,761,000 | 3,583 |
| Average total loans | $68,066,000 | 3,655 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6721% | 4,339 |
| Cost of funding earning assets | 0.0486% | 4,693 |
| Net interest margin | 2.6234% | 4,014 |
| Noninterest income to average assets | 0.3183% | 3,505 |
| Noninterest expense to average assets | 2.2154% | 3,028 |
| Loan and lease loss provision to assets | -0.0853% | 4,494 |
| Net operating income to assets | 0.6544% | 3,735 |
| Return on assets (ROA) | 0.6544% | 3,794 |
| Pretax return on assets | 0.6544% | 4,024 |
| Return on Equity (ROE) | 6.7856% | 3,574 |
| Retained earnings to average equity (ytd only) | 5.0043% | 2,780 |
| Net charge-offs to loans | 0.0015% | 2,604 |
| Credit loss provision to net charge-offs | -13,800.0000% | 4,250 |
| Earnings coverage of net charge-offs (x) | 921.0000% | 160 |
| Efficiency ratio | 79.5606% | 834 |
| Assets per employee ($millions) | 6.8270% | 2,050 |
| Cash dividends to net income (ytd only)* | 26.2512% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8311% | 817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 38.7628% | 4,153 |
| Net loans and leases to deposits | 42.9074% | 4,231 |
| Net loans and leases to core deposits | 43.1770% | 4,295 |
| Total domestic deposits to total assets | 90.3406% | 786 |
| Equity capital to assets | 9.2053% | 3,416 |
| Core capital (leverage) ratio | 8.9099% | 3,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,822,200 | 3,382 |
| Average earning assets | $152,129,000 | 3,359 |
| Average equity | $15,606,600 | 3,575 |
| Average total loans | $65,299,200 | 3,737 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7055% | 4,401 |
| Cost of funding earning assets | 0.0508% | 4,775 |
| Net interest margin | 2.6547% | 4,048 |
| Noninterest income to average assets | 0.3124% | 3,562 |
| Noninterest expense to average assets | 2.2413% | 2,924 |
| Loan and lease loss provision to assets | -0.1153% | 4,637 |
| Net operating income to assets | 0.6766% | 3,823 |
| Return on assets (ROA) | 0.6766% | 3,883 |
| Pretax return on assets | 0.6766% | 4,110 |
| Return on Equity (ROE) | 6.9316% | 3,684 |
| Retained earnings to average equity (ytd only) | 4.5526% | 3,390 |
| Net charge-offs to loans | 0.0021% | 2,315 |
| Credit loss provision to net charge-offs | -13,800.0000% | 4,226 |
| Earnings coverage of net charge-offs (x) | 672.0000% | 238 |
| Efficiency ratio | 79.9702% | 747 |
| Assets per employee ($millions) | 7.0460% | 1,835 |
| Cash dividends to net income (ytd only)* | 34.3210% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9546% | 690 |
| 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 | 35.1401% | 4,425 |
| Net loans and leases to deposits | 38.7693% | 4,493 |
| Net loans and leases to core deposits | 39.0043% | 4,543 |
| Total domestic deposits to total assets | 90.6392% | 488 |
| Equity capital to assets | 8.9606% | 3,868 |
| Core capital (leverage) ratio | 8.9380% | 3,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,609,250 | 3,436 |
| Average earning assets | $149,717,750 | 3,419 |
| Average equity | $15,580,500 | 3,621 |
| Average total loans | $64,776,000 | 3,797 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8191% | 4,322 |
| Cost of funding earning assets | 0.0539% | 4,809 |
| Net interest margin | 2.7652% | 3,861 |
| Noninterest income to average assets | 0.3297% | 3,455 |
| Noninterest expense to average assets | 2.3440% | 2,633 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5828% | 4,016 |
| Return on assets (ROA) | 0.5828% | 4,071 |
| Pretax return on assets | 0.5828% | 4,267 |
| Return on Equity (ROE) | 5.7888% | 3,961 |
| Retained earnings to average equity (ytd only) | 3.0169% | 3,832 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0887% | 770 |
| Assets per employee ($millions) | 6.1754% | 2,452 |
| Cash dividends to net income (ytd only)* | 47.8842% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2232% | 410 |
| 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 | 37.6088% | 4,404 |
| Net loans and leases to deposits | 41.8112% | 4,465 |
| Net loans and leases to core deposits | 42.0913% | 4,516 |
| Total domestic deposits to total assets | 89.9490% | 804 |
| Equity capital to assets | 9.6586% | 3,193 |
| Core capital (leverage) ratio | 9.5962% | 2,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,096,000 | 3,491 |
| Average earning assets | $144,727,333 | 3,470 |
| Average equity | $15,512,667 | 3,630 |
| Average total loans | $65,323,667 | 3,808 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8955% | 4,259 |
| Cost of funding earning assets | 0.0589% | 4,826 |
| Net interest margin | 2.8366% | 3,677 |
| Noninterest income to average assets | 0.3049% | 3,589 |
| Noninterest expense to average assets | 2.4181% | 2,444 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5701% | 4,020 |
| Return on assets (ROA) | 0.5701% | 4,071 |
| Pretax return on assets | 0.5701% | 4,240 |
| Return on Equity (ROE) | 5.5430% | 3,981 |
| Retained earnings to average equity (ytd only) | 3.0680% | 3,760 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9228% | 760 |
| Assets per employee ($millions) | 5.6148% | 3,007 |
| Cash dividends to net income (ytd only)* | 44.6512% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1016% | 501 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 42.1883% | 4,222 |
| Net loans and leases to deposits | 47.2007% | 4,297 |
| Net loans and leases to core deposits | 47.2918% | 4,393 |
| Total domestic deposits to total assets | 89.3805% | 1,134 |
| Equity capital to assets | 10.2065% | 2,516 |
| Core capital (leverage) ratio | 9.8897% | 2,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,863,500 | 3,517 |
| Average earning assets | $142,704,000 | 3,491 |
| Average equity | $15,515,000 | 3,634 |
| Average total loans | $67,106,500 | 3,792 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5289% | 3,967 |
| Cost of funding earning assets | 0.0907% | 4,881 |
| Net interest margin | 3.4382% | 2,650 |
| Noninterest income to average assets | 0.3182% | 3,560 |
| Noninterest expense to average assets | 2.4661% | 2,946 |
| Loan and lease loss provision to assets | 0.0175% | 4,160 |
| Net operating income to assets | 1.0781% | 1,995 |
| Return on assets (ROA) | 1.0781% | 2,135 |
| Pretax return on assets | 1.0781% | 2,776 |
| Return on Equity (ROE) | 10.2118% | 1,928 |
| Retained earnings to average equity (ytd only) | 5.1059% | 2,232 |
| Net charge-offs to loans | 0.0044% | 3,203 |
| Credit loss provision to net charge-offs | 833.3333% | 873 |
| Earnings coverage of net charge-offs (x) | 521.0000% | 225 |
| Efficiency ratio | 69.2383% | 2,058 |
| Assets per employee ($millions) | 5.5603% | 2,778 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9932% | 599 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 44.9683% | 4,194 |
| Net loans and leases to deposits | 50.4367% | 4,294 |
| Net loans and leases to core deposits | 50.6311% | 4,399 |
| Total domestic deposits to total assets | 89.1579% | 916 |
| Equity capital to assets | 10.3625% | 2,791 |
| Core capital (leverage) ratio | 9.7236% | 2,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,656,600 | 3,483 |
| Average earning assets | $134,574,600 | 3,450 |
| Average equity | $15,061,000 | 3,646 |
| Average total loans | $68,721,400 | 3,763 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6660% | 3,873 |
| Cost of funding earning assets | 0.0973% | 4,921 |
| Net interest margin | 3.5687% | 2,362 |
| Noninterest income to average assets | 0.3173% | 3,589 |
| Noninterest expense to average assets | 2.5049% | 2,825 |
| Loan and lease loss provision to assets | 0.0234% | 4,039 |
| Net operating income to assets | 1.1582% | 1,793 |
| Return on assets (ROA) | 1.1582% | 1,906 |
| Pretax return on assets | 1.1582% | 2,533 |
| Return on Equity (ROE) | 10.9167% | 1,713 |
| Retained earnings to average equity (ytd only) | 5.4628% | 2,343 |
| Net charge-offs to loans | 0.0019% | 3,133 |
| Credit loss provision to net charge-offs | 2,500.0000% | 402 |
| Earnings coverage of net charge-offs (x) | 1,248.0000% | 93 |
| Efficiency ratio | 67.9425% | 2,201 |
| Assets per employee ($millions) | 5.9853% | 2,277 |
| Cash dividends to net income (ytd only)* | 49.9591% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9140% | 571 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 45.2483% | 4,355 |
| Net loans and leases to deposits | 51.5793% | 4,430 |
| Net loans and leases to core deposits | 51.7735% | 4,535 |
| Total domestic deposits to total assets | 87.7256% | 1,331 |
| Equity capital to assets | 9.9218% | 3,299 |
| Core capital (leverage) ratio | 9.7324% | 2,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,788,750 | 3,488 |
| Average earning assets | $132,929,250 | 3,459 |
| Average equity | $14,937,000 | 3,662 |
| Average total loans | $68,681,000 | 3,777 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8609% | 3,715 |
| Cost of funding earning assets | 0.1121% | 4,950 |
| Net interest margin | 3.7488% | 1,998 |
| Noninterest income to average assets | 0.3165% | 3,567 |
| Noninterest expense to average assets | 2.6177% | 2,605 |
| Loan and lease loss provision to assets | 0.0368% | 3,812 |
| Net operating income to assets | 1.2058% | 1,624 |
| Return on assets (ROA) | 1.2058% | 1,752 |
| Pretax return on assets | 1.2058% | 2,350 |
| Return on Equity (ROE) | 11.0905% | 1,600 |
| Retained earnings to average equity (ytd only) | 4.3062% | 2,780 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8108% | 2,260 |
| Assets per employee ($millions) | 5.2478% | 2,888 |
| Cash dividends to net income (ytd only)* | 61.1722% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8890% | 543 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 50.4016% | 4,142 |
| Net loans and leases to deposits | 58.1060% | 4,215 |
| Net loans and leases to core deposits | 58.3481% | 4,341 |
| Total domestic deposits to total assets | 86.7408% | 1,714 |
| Equity capital to assets | 10.7171% | 2,555 |
| Core capital (leverage) ratio | 10.5986% | 2,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,846,000 | 3,532 |
| Average earning assets | $128,416,000 | 3,492 |
| Average equity | $14,769,333 | 3,684 |
| Average total loans | $67,645,333 | 3,797 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9488% | 3,935 |
| Cost of funding earning assets | 0.1457% | 4,976 |
| Net interest margin | 3.8031% | 1,961 |
| Noninterest income to average assets | 0.3009% | 3,709 |
| Noninterest expense to average assets | 2.6331% | 2,878 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2819% | 1,289 |
| Return on assets (ROA) | 1.2819% | 1,383 |
| Pretax return on assets | 1.2819% | 1,922 |
| Return on Equity (ROE) | 11.7021% | 1,195 |
| Retained earnings to average equity (ytd only) | 4.3127% | 2,568 |
| Net charge-offs to loans | 0.0061% | 2,354 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 426.0000% | 158 |
| Efficiency ratio | 67.2560% | 2,779 |
| Assets per employee ($millions) | 4.8877% | 2,769 |
| Cash dividends to net income (ytd only)* | 63.1455% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9681% | 531 |
| 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 | 50.9552% | 4,186 |
| Net loans and leases to deposits | 57.7147% | 4,294 |
| Net loans and leases to core deposits | 57.8433% | 4,439 |
| Total domestic deposits to total assets | 88.2880% | 981 |
| Equity capital to assets | 11.2755% | 2,613 |
| Core capital (leverage) ratio | 10.7550% | 2,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,924,000 | 3,550 |
| Average earning assets | $126,318,000 | 3,491 |
| Average equity | $14,561,500 | 3,709 |
| Average total loans | $65,073,500 | 3,861 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0762% | 4,092 |
| Cost of funding earning assets | 0.1687% | 5,018 |
| Net interest margin | 3.9075% | 2,150 |
| Noninterest income to average assets | 0.3972% | 3,309 |
| Noninterest expense to average assets | 2.6063% | 3,157 |
| Loan and lease loss provision to assets | -0.0365% | 4,989 |
| Net operating income to assets | 1.5113% | 1,023 |
| Return on assets (ROA) | 1.5113% | 1,085 |
| Pretax return on assets | 1.5113% | 1,773 |
| Return on Equity (ROE) | 14.6365% | 765 |
| Retained earnings to average equity (ytd only) | 5.3137% | 2,268 |
| Net charge-offs to loans | 0.0015% | 3,662 |
| Credit loss provision to net charge-offs | -4,800.0000% | 4,660 |
| Earnings coverage of net charge-offs (x) | 1,938.0000% | 36 |
| Efficiency ratio | 63.8635% | 3,089 |
| Assets per employee ($millions) | 5.1493% | 2,397 |
| Cash dividends to net income (ytd only)* | 63.6959% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1932% | 334 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 44.9675% | 4,560 |
| Net loans and leases to deposits | 50.6061% | 4,663 |
| Net loans and leases to core deposits | 50.7156% | 4,739 |
| Total domestic deposits to total assets | 88.8580% | 721 |
| Equity capital to assets | 10.6386% | 3,320 |
| Core capital (leverage) ratio | 10.1873% | 3,314 |
| Tier 1 risk-based capital ratio | 19.6858% | 1,373 |
| Total risk-based capital ratio | 20.9435% | 1,344 |
| Memoranda: | ||
| Average total assets | $131,412,600 | 3,549 |
| Average earning assets | $123,890,600 | 3,507 |
| Average equity | $13,568,800 | 3,810 |
| Average total loans | $65,782,800 | 3,863 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1421% | 4,057 |
| Cost of funding earning assets | 0.1681% | 5,091 |
| Net interest margin | 3.9741% | 2,040 |
| Noninterest income to average assets | 0.3965% | 3,339 |
| Noninterest expense to average assets | 2.6167% | 3,118 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5158% | 1,148 |
| Return on assets (ROA) | 1.5158% | 1,204 |
| Pretax return on assets | 1.5158% | 1,909 |
| Return on Equity (ROE) | 14.7954% | 823 |
| Retained earnings to average equity (ytd only) | 5.1639% | 2,811 |
| Net charge-offs to loans | 0.0040% | 3,266 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 742.5543% | 129 |
| Efficiency ratio | 63.3202% | 3,107 |
| Assets per employee ($millions) | 5.3681% | 2,157 |
| Cash dividends to net income (ytd only)* | 65.0972% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2122% | 327 |
| 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 | 44.2764% | 4,683 |
| Net loans and leases to deposits | 49.4534% | 4,791 |
| Net loans and leases to core deposits | 49.7552% | 4,843 |
| Total domestic deposits to total assets | 89.5315% | 436 |
| Equity capital to assets | 10.0307% | 3,989 |
| Core capital (leverage) ratio | 10.0257% | 3,619 |
| Tier 1 risk-based capital ratio | 19.0051% | 1,567 |
| Total risk-based capital ratio | 20.2632% | 1,539 |
| Memoranda: | ||
| Average total assets | $130,795,500 | 3,589 |
| Average earning assets | $122,960,750 | 3,560 |
| Average equity | $13,400,250 | 3,866 |
| Average total loans | $66,840,250 | 3,882 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1722% | 3,990 |
| Cost of funding earning assets | 0.1631% | 5,139 |
| Net interest margin | 4.0092% | 1,893 |
| Noninterest income to average assets | 0.4254% | 3,100 |
| Noninterest expense to average assets | 2.6683% | 3,006 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5250% | 1,075 |
| Return on assets (ROA) | 1.5250% | 1,125 |
| Pretax return on assets | 1.5250% | 1,773 |
| Return on Equity (ROE) | 14.7724% | 806 |
| Retained earnings to average equity (ytd only) | 4.5302% | 3,008 |
| Net charge-offs to loans | 0.0059% | 2,940 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 487.5000% | 156 |
| Efficiency ratio | 63.6330% | 3,193 |
| Assets per employee ($millions) | 4.6965% | 2,885 |
| Cash dividends to net income (ytd only)* | 69.3333% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0555% | 425 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 50.6198% | 4,438 |
| Net loans and leases to deposits | 56.7708% | 4,565 |
| Net loans and leases to core deposits | 57.1392% | 4,674 |
| Total domestic deposits to total assets | 89.1652% | 601 |
| Equity capital to assets | 10.4151% | 3,593 |
| Core capital (leverage) ratio | 10.7369% | 2,855 |
| Tier 1 risk-based capital ratio | 18.3661% | 1,706 |
| Total risk-based capital ratio | 19.6236% | 1,665 |
| Memoranda: | ||
| Average total assets | $127,870,330 | 3,649 |
| Average earning assets | $120,175,000 | 3,619 |
| Average equity | $13,200,330 | 3,906 |
| Average total loans | $68,055,330 | 3,878 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1818% | 3,922 |
| Cost of funding earning assets | 0.1623% | 5,193 |
| Net interest margin | 4.0195% | 1,795 |
| Noninterest income to average assets | 0.4601% | 2,797 |
| Noninterest expense to average assets | 2.7131% | 2,872 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5200% | 1,072 |
| Return on assets (ROA) | 1.5200% | 1,098 |
| Pretax return on assets | 1.5200% | 1,705 |
| Return on Equity (ROE) | 14.7925% | 792 |
| Retained earnings to average equity (ytd only) | 5.2500% | 2,804 |
| Net charge-offs to loans | 0.0117% | 2,270 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 239.5000% | 333 |
| Efficiency ratio | 64.0930% | 3,225 |
| Assets per employee ($millions) | 4.6380% | 2,993 |
| Cash dividends to net income (ytd only)* | 64.5094% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0611% | 444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 53.0101% | 4,274 |
| Net loans and leases to deposits | 59.5801% | 4,435 |
| Net loans and leases to core deposits | 59.9861% | 4,566 |
| Total domestic deposits to total assets | 88.9728% | 867 |
| Equity capital to assets | 10.5840% | 3,267 |
| Core capital (leverage) ratio | 10.5543% | 2,992 |
| Tier 1 risk-based capital ratio | 18.2270% | 1,734 |
| Total risk-based capital ratio | 19.4843% | 1,684 |
| Memoranda: | ||
| Average total assets | $126,054,500 | 3,707 |
| Average earning assets | $118,322,500 | 3,680 |
| Average equity | $12,952,500 | 3,955 |
| Average total loans | $68,101,500 | 3,916 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0638% | 3,861 |
| Cost of funding earning assets | 0.0875% | 5,316 |
| Net interest margin | 3.9763% | 2,074 |
| Noninterest income to average assets | 0.3763% | 3,575 |
| Noninterest expense to average assets | 2.5913% | 3,363 |
| Loan and lease loss provision to assets | 0.0876% | 2,395 |
| Net operating income to assets | 1.4270% | 1,342 |
| Return on assets (ROA) | 1.4262% | 1,341 |
| Pretax return on assets | 1.4262% | 2,058 |
| Return on Equity (ROE) | 14.9676% | 837 |
| Retained earnings to average equity (ytd only) | 7.5832% | 1,424 |
| Net charge-offs to loans | 0.0070% | 3,435 |
| Credit loss provision to net charge-offs | 2,220.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 384.0000% | 265 |
| Efficiency ratio | 63.1124% | 3,323 |
| Assets per employee ($millions) | 4.6993% | 2,880 |
| Cash dividends to net income (ytd only)* | 49.3363% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0446% | 437 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 52.8239% | 4,364 |
| Net loans and leases to deposits | 59.0229% | 4,524 |
| Net loans and leases to core deposits | 59.1547% | 4,666 |
| Total domestic deposits to total assets | 89.4973% | 661 |
| Equity capital to assets | 9.9707% | 3,709 |
| Core capital (leverage) ratio | 10.2259% | 3,329 |
| Tier 1 risk-based capital ratio | 17.7178% | 1,843 |
| Total risk-based capital ratio | 18.9757% | 1,792 |
| Memoranda: | ||
| Average total assets | $126,771,400 | 3,684 |
| Average earning assets | $118,903,400 | 3,664 |
| Average equity | $12,079,400 | 4,010 |
| Average total loans | $71,212,600 | 3,846 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0162% | 3,876 |
| Cost of funding earning assets | 0.0706% | 5,407 |
| Net interest margin | 3.9456% | 2,146 |
| Noninterest income to average assets | 0.3966% | 3,504 |
| Noninterest expense to average assets | 2.5878% | 3,323 |
| Loan and lease loss provision to assets | 0.1168% | 1,740 |
| Net operating income to assets | 1.3949% | 1,509 |
| Return on assets (ROA) | 1.3939% | 1,510 |
| Pretax return on assets | 1.3939% | 2,249 |
| Return on Equity (ROE) | 14.8002% | 919 |
| Retained earnings to average equity (ytd only) | 6.5903% | 2,342 |
| Net charge-offs to loans | 0.0111% | 3,021 |
| Credit loss provision to net charge-offs | 1,850.0000% | 230 |
| Earnings coverage of net charge-offs (x) | 239.4938% | 384 |
| Efficiency ratio | 63.1255% | 3,315 |
| Assets per employee ($millions) | 4.8230% | 2,691 |
| Cash dividends to net income (ytd only)* | 55.4720% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9891% | 494 |
| 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 | 52.8993% | 4,433 |
| Net loans and leases to deposits | 58.5730% | 4,616 |
| Net loans and leases to core deposits | 58.6988% | 4,752 |
| Total domestic deposits to total assets | 90.3134% | 410 |
| Equity capital to assets | 9.2182% | 4,353 |
| Core capital (leverage) ratio | 9.8492% | 3,797 |
| Tier 1 risk-based capital ratio | 16.7023% | 2,206 |
| Total risk-based capital ratio | 17.9595% | 2,150 |
| Memoranda: | ||
| Average total assets | $126,743,750 | 3,719 |
| Average earning assets | $118,947,500 | 3,700 |
| Average equity | $11,936,500 | 4,071 |
| Average total loans | $71,910,000 | 3,867 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0143% | 3,744 |
| Cost of funding earning assets | 0.0525% | 5,485 |
| Net interest margin | 3.9618% | 1,993 |
| Noninterest income to average assets | 0.4013% | 3,480 |
| Noninterest expense to average assets | 2.5943% | 3,345 |
| Loan and lease loss provision to assets | 0.1768% | 1,025 |
| Net operating income to assets | 1.3553% | 1,585 |
| Return on assets (ROA) | 1.3553% | 1,590 |
| Pretax return on assets | 1.3553% | 2,307 |
| Return on Equity (ROE) | 14.2857% | 1,015 |
| Retained earnings to average equity (ytd only) | 5.7076% | 2,722 |
| Net charge-offs to loans | 0.0028% | 3,097 |
| Credit loss provision to net charge-offs | 11,100.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 962.0000% | 82 |
| Efficiency ratio | 62.8715% | 3,504 |
| Assets per employee ($millions) | 4.8177% | 2,658 |
| Cash dividends to net income (ytd only)* | 60.0470% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9531% | 562 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 56.2270% | 4,146 |
| Net loans and leases to deposits | 62.4324% | 4,394 |
| Net loans and leases to core deposits | 62.5716% | 4,582 |
| Total domestic deposits to total assets | 90.0607% | 552 |
| Equity capital to assets | 9.5018% | 4,096 |
| Core capital (leverage) ratio | 10.3651% | 3,168 |
| Tier 1 risk-based capital ratio | 15.9137% | 2,468 |
| Total risk-based capital ratio | 17.1693% | 2,408 |
| Memoranda: | ||
| Average total assets | $125,584,670 | 3,765 |
| Average earning assets | $118,078,330 | 3,744 |
| Average equity | $11,914,000 | 4,098 |
| Average total loans | $72,452,000 | 3,886 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9680% | 3,727 |
| Cost of funding earning assets | 0.0372% | 5,569 |
| Net interest margin | 3.9308% | 1,927 |
| Noninterest income to average assets | 0.3467% | 3,822 |
| Noninterest expense to average assets | 2.5957% | 3,344 |
| Loan and lease loss provision to assets | 0.2227% | 706 |
| Net operating income to assets | 1.2279% | 1,901 |
| Return on assets (ROA) | 1.2279% | 1,909 |
| Pretax return on assets | 1.2279% | 2,651 |
| Return on Equity (ROE) | 12.9530% | 1,273 |
| Retained earnings to average equity (ytd only) | 5.6040% | 2,899 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1509% | 3,458 |
| Assets per employee ($millions) | 4.5528% | 3,064 |
| Cash dividends to net income (ytd only)* | 56.7358% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8477% | 713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 58.9021% | 3,858 |
| Net loans and leases to deposits | 65.4914% | 4,124 |
| Net loans and leases to core deposits | 65.4914% | 4,347 |
| Total domestic deposits to total assets | 89.9387% | 684 |
| Equity capital to assets | 9.6123% | 3,980 |
| Core capital (leverage) ratio | 9.9140% | 3,623 |
| Tier 1 risk-based capital ratio | 16.0201% | 2,463 |
| Total risk-based capital ratio | 17.2760% | 2,398 |
| Memoranda: | ||
| Average total assets | $125,747,000 | 3,802 |
| Average earning assets | $118,346,500 | 3,774 |
| Average equity | $11,920,000 | 4,136 |
| Average total loans | $72,761,500 | 3,916 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4812% | 4,810 |
| Cost of funding earning assets | 0.0259% | 5,635 |
| Net interest margin | 3.4552% | 3,669 |
| Noninterest income to average assets | 0.4077% | 3,582 |
| Noninterest expense to average assets | 2.4861% | 3,831 |
| Loan and lease loss provision to assets | 0.0149% | 3,994 |
| Net operating income to assets | 1.1446% | 1,697 |
| Return on assets (ROA) | 1.1446% | 1,734 |
| Pretax return on assets | 1.1446% | 3,003 |
| Return on Equity (ROE) | 12.2446% | 1,141 |
| Retained earnings to average equity (ytd only) | 4.2269% | 2,625 |
| Net charge-offs to loans | 0.0061% | 3,863 |
| Credit loss provision to net charge-offs | 475.0000% | 658 |
| Earnings coverage of net charge-offs (x) | 369.7500% | 236 |
| Efficiency ratio | 68.1935% | 2,853 |
| Assets per employee ($millions) | 4.9449% | 2,548 |
| Cash dividends to net income (ytd only)* | 65.4795% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8020% | 777 |
| 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 | 54.8045% | 4,285 |
| Net loans and leases to deposits | 60.7957% | 4,515 |
| Net loans and leases to core deposits | 60.7957% | 4,715 |
| Total domestic deposits to total assets | 90.1453% | 521 |
| Equity capital to assets | 9.3522% | 4,376 |
| Core capital (leverage) ratio | 9.3844% | 4,184 |
| Tier 1 risk-based capital ratio | 16.1661% | 2,373 |
| Total risk-based capital ratio | 17.4216% | 2,310 |
| Memoranda: | ||
| Average total assets | $127,551,600 | 3,786 |
| Average earning assets | $119,529,000 | 3,754 |
| Average equity | $11,923,600 | 4,152 |
| Average total loans | $65,250,200 | 4,065 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3770% | 4,993 |
| Cost of funding earning assets | 0.0246% | 5,702 |
| Net interest margin | 3.3524% | 4,003 |
| Noninterest income to average assets | 0.4179% | 3,569 |
| Noninterest expense to average assets | 2.4928% | 3,764 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0662% | 2,248 |
| Return on assets (ROA) | 1.0662% | 2,290 |
| Pretax return on assets | 1.0662% | 3,435 |
| Return on Equity (ROE) | 11.4073% | 1,527 |
| Retained earnings to average equity (ytd only) | 3.5746% | 3,788 |
| Net charge-offs to loans | 0.0084% | 3,429 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 254.6529% | 346 |
| Efficiency ratio | 70.0412% | 2,528 |
| Assets per employee ($millions) | 5.4775% | 1,945 |
| Cash dividends to net income (ytd only)* | 68.6643% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8718% | 746 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 48.7743% | 4,777 |
| Net loans and leases to deposits | 53.8095% | 4,975 |
| Net loans and leases to core deposits | 53.8095% | 5,076 |
| Total domestic deposits to total assets | 90.6424% | 279 |
| Equity capital to assets | 8.9253% | 4,977 |
| Core capital (leverage) ratio | 9.1198% | 4,616 |
| Tier 1 risk-based capital ratio | 16.1850% | 2,426 |
| Total risk-based capital ratio | 17.4398% | 2,373 |
| Memoranda: | ||
| Average total assets | $127,297,500 | 3,822 |
| Average earning assets | $119,275,250 | 3,796 |
| Average equity | $11,898,500 | 4,196 |
| Average total loans | $63,624,250 | 4,144 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3173% | 5,079 |
| Cost of funding earning assets | 0.0224% | 5,752 |
| Net interest margin | 3.2949% | 4,125 |
| Noninterest income to average assets | 0.4658% | 3,246 |
| Noninterest expense to average assets | 2.5515% | 3,575 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9993% | 2,433 |
| Return on assets (ROA) | 0.9993% | 2,474 |
| Pretax return on assets | 0.9993% | 3,573 |
| Return on Equity (ROE) | 10.5168% | 1,824 |
| Retained earnings to average equity (ytd only) | 2.6631% | 4,113 |
| Net charge-offs to loans | 0.0097% | 3,119 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 206.6667% | 403 |
| Efficiency ratio | 71.8566% | 2,364 |
| Assets per employee ($millions) | 5.1103% | 2,262 |
| Cash dividends to net income (ytd only)* | 74.6774% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9495% | 654 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 50.1933% | 4,698 |
| Net loans and leases to deposits | 55.6722% | 4,862 |
| Net loans and leases to core deposits | 55.6722% | 5,013 |
| Total domestic deposits to total assets | 90.1587% | 482 |
| Equity capital to assets | 9.4186% | 4,495 |
| Core capital (leverage) ratio | 9.6648% | 3,942 |
| Tier 1 risk-based capital ratio | 16.6946% | 2,241 |
| Total risk-based capital ratio | 17.9504% | 2,199 |
| Memoranda: | ||
| Average total assets | $124,084,330 | 3,894 |
| Average earning assets | $116,180,330 | 3,879 |
| Average equity | $11,790,670 | 4,224 |
| Average total loans | $62,144,330 | 4,200 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2111% | 5,230 |
| Cost of funding earning assets | 0.0175% | 5,819 |
| Net interest margin | 3.1936% | 4,365 |
| Noninterest income to average assets | 0.3894% | 3,743 |
| Noninterest expense to average assets | 2.5653% | 3,607 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8082% | 3,189 |
| Return on assets (ROA) | 0.8082% | 3,246 |
| Pretax return on assets | 0.8082% | 4,080 |
| Return on Equity (ROE) | 8.4665% | 2,691 |
| Retained earnings to average equity (ytd only) | 8.4665% | 1,288 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0427% | 1,897 |
| Assets per employee ($millions) | 4.6599% | 2,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1205% | 531 |
| 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 | 48.6893% | 4,772 |
| Net loans and leases to deposits | 54.2631% | 4,919 |
| Net loans and leases to core deposits | 54.2631% | 5,052 |
| Total domestic deposits to total assets | 89.7283% | 781 |
| Equity capital to assets | 9.8285% | 3,946 |
| Core capital (leverage) ratio | 9.8651% | 3,669 |
| Tier 1 risk-based capital ratio | 17.9689% | 1,890 |
| Total risk-based capital ratio | 19.2273% | 1,842 |
| Memoranda: | ||
| Average total assets | $122,247,500 | 3,960 |
| Average earning assets | $114,229,000 | 3,941 |
| Average equity | $11,669,500 | 4,273 |
| Average total loans | $60,516,000 | 4,287 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1808% | 5,328 |
| Cost of funding earning assets | 0.0222% | 5,869 |
| Net interest margin | 3.1587% | 4,568 |
| Noninterest income to average assets | 0.5128% | 3,149 |
| Noninterest expense to average assets | 2.5135% | 3,965 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9413% | 2,627 |
| Return on assets (ROA) | 0.9752% | 2,568 |
| Pretax return on assets | 0.9752% | 3,560 |
| Return on Equity (ROE) | 10.0494% | 1,937 |
| Retained earnings to average equity (ytd only) | 2.5953% | 4,043 |
| Net charge-offs to loans | 0.0034% | 4,142 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 570.0000% | 147 |
| Efficiency ratio | 72.7533% | 2,469 |
| Assets per employee ($millions) | 4.5680% | 3,019 |
| Cash dividends to net income (ytd only)* | 74.1744% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1033% | 548 |
| 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 | 48.2296% | 4,883 |
| Net loans and leases to deposits | 53.4562% | 5,042 |
| Net loans and leases to core deposits | 53.4562% | 5,169 |
| Total domestic deposits to total assets | 90.2227% | 550 |
| Equity capital to assets | 9.2681% | 4,502 |
| Core capital (leverage) ratio | 9.4492% | 4,160 |
| Tier 1 risk-based capital ratio | 17.3557% | 2,044 |
| Total risk-based capital ratio | 18.6127% | 2,001 |
| Memoranda: | ||
| Average total assets | $121,105,800 | 3,973 |
| Average earning assets | $112,800,200 | 3,952 |
| Average equity | $11,752,000 | 4,284 |
| Average total loans | $58,470,000 | 4,347 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1477% | 5,429 |
| Cost of funding earning assets | 0.0225% | 5,936 |
| Net interest margin | 3.1252% | 4,707 |
| Noninterest income to average assets | 0.5442% | 2,945 |
| Noninterest expense to average assets | 2.5096% | 3,960 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9479% | 2,664 |
| Return on assets (ROA) | 0.9932% | 2,605 |
| Pretax return on assets | 0.9932% | 3,658 |
| Return on Equity (ROE) | 10.1190% | 2,006 |
| Retained earnings to average equity (ytd only) | 2.5241% | 4,406 |
| Net charge-offs to loans | 0.0046% | 3,755 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 427.9551% | 204 |
| Efficiency ratio | 72.5848% | 2,485 |
| Assets per employee ($millions) | 4.8651% | 2,549 |
| Cash dividends to net income (ytd only)* | 75.0555% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1309% | 571 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 46.4026% | 5,073 |
| Net loans and leases to deposits | 51.5954% | 5,223 |
| Net loans and leases to core deposits | 51.5954% | 5,328 |
| Total domestic deposits to total assets | 89.9354% | 508 |
| Equity capital to assets | 9.6108% | 4,546 |
| Core capital (leverage) ratio | 9.5859% | 4,077 |
| Tier 1 risk-based capital ratio | 17.1331% | 2,188 |
| Total risk-based capital ratio | 18.3899% | 2,142 |
| Memoranda: | ||
| Average total assets | $120,548,000 | 4,003 |
| Average earning assets | $112,375,250 | 3,986 |
| Average equity | $11,832,250 | 4,314 |
| Average total loans | $57,896,750 | 4,386 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1617% | 5,488 |
| Cost of funding earning assets | 0.0235% | 6,016 |
| Net interest margin | 3.1383% | 4,725 |
| Noninterest income to average assets | 0.6073% | 2,578 |
| Noninterest expense to average assets | 2.5404% | 3,909 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0003% | 2,399 |
| Return on assets (ROA) | 1.0694% | 2,207 |
| Pretax return on assets | 1.0694% | 3,327 |
| Return on Equity (ROE) | 10.8154% | 1,714 |
| Retained earnings to average equity (ytd only) | 3.4630% | 3,688 |
| Net charge-offs to loans | 0.0070% | 3,446 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 296.5000% | 233 |
| Efficiency ratio | 71.7485% | 2,705 |
| Assets per employee ($millions) | 4.8898% | 2,427 |
| Cash dividends to net income (ytd only)* | 67.9811% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1241% | 600 |
| 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 | 50.1811% | 4,829 |
| Net loans and leases to deposits | 56.2674% | 4,995 |
| Net loans and leases to core deposits | 56.2674% | 5,151 |
| Total domestic deposits to total assets | 89.1832% | 827 |
| Equity capital to assets | 10.3745% | 3,766 |
| Core capital (leverage) ratio | 10.1308% | 3,410 |
| Tier 1 risk-based capital ratio | 18.2325% | 1,867 |
| Total risk-based capital ratio | 19.4912% | 1,830 |
| Memoranda: | ||
| Average total assets | $118,566,330 | 4,076 |
| Average earning assets | $110,825,000 | 4,042 |
| Average equity | $11,724,000 | 4,360 |
| Average total loans | $57,204,330 | 4,427 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0430% | 5,651 |
| Cost of funding earning assets | 0.0214% | 6,079 |
| Net interest margin | 3.0216% | 5,070 |
| Noninterest income to average assets | 0.4128% | 3,729 |
| Noninterest expense to average assets | 2.4670% | 4,175 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7854% | 3,318 |
| Return on assets (ROA) | 0.8324% | 3,210 |
| Pretax return on assets | 0.8324% | 4,095 |
| Return on Equity (ROE) | 8.6272% | 2,596 |
| Retained earnings to average equity (ytd only) | 3.0613% | 3,979 |
| Net charge-offs to loans | 0.0144% | 2,654 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 117.0000% | 483 |
| Efficiency ratio | 75.8514% | 2,192 |
| Assets per employee ($millions) | 4.5074% | 3,056 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1381% | 641 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 5,336 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 49.9147% | 4,811 |
| Net loans and leases to deposits | 56.4944% | 4,951 |
| Net loans and leases to core deposits | 56.4944% | 5,112 |
| Total domestic deposits to total assets | 88.3533% | 1,435 |
| Equity capital to assets | 10.0118% | 4,067 |
| Core capital (leverage) ratio | 9.7684% | 3,821 |
| Tier 1 risk-based capital ratio | 17.7359% | 2,055 |
| Total risk-based capital ratio | 18.9939% | 2,017 |
| Memoranda: | ||
| Average total assets | $119,172,000 | 4,091 |
| Average earning assets | $111,993,500 | 4,045 |
| Average equity | $11,498,500 | 4,418 |
| Average total loans | $55,722,500 | 4,504 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7780% | 5,894 |
| Cost of funding earning assets | 0.0268% | 6,133 |
| Net interest margin | 2.7512% | 5,590 |
| Noninterest income to average assets | 0.5025% | 3,307 |
| Noninterest expense to average assets | 2.5141% | 4,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5457% | 4,519 |
| Return on assets (ROA) | 0.5516% | 4,589 |
| Pretax return on assets | 0.5516% | 4,986 |
| Return on Equity (ROE) | 5.8969% | 4,074 |
| Retained earnings to average equity (ytd only) | -1.1118% | 5,673 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1642% | 1,391 |
| Assets per employee ($millions) | 4.8461% | 2,537 |
| Cash dividends to net income (ytd only)* | 118.8537% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4772% | 408 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0644% | 5,386 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 41.5932% | 5,433 |
| Net loans and leases to deposits | 46.1165% | 5,554 |
| Net loans and leases to core deposits | 46.1165% | 5,645 |
| Total domestic deposits to total assets | 90.1917% | 548 |
| Equity capital to assets | 9.2974% | 4,796 |
| Core capital (leverage) ratio | 9.3231% | 4,439 |
| Tier 1 risk-based capital ratio | 18.5140% | 1,825 |
| Total risk-based capital ratio | 19.7743% | 1,769 |
| Memoranda: | ||
| Average total assets | $120,202,200 | 4,061 |
| Average earning assets | $111,734,600 | 4,041 |
| Average equity | $11,243,200 | 4,433 |
| Average total loans | $48,925,600 | 4,706 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7842% | 5,966 |
| Cost of funding earning assets | 0.0288% | 6,217 |
| Net interest margin | 2.7554% | 5,653 |
| Noninterest income to average assets | 0.5135% | 3,272 |
| Noninterest expense to average assets | 2.5462% | 4,061 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5213% | 4,719 |
| Return on assets (ROA) | 0.5213% | 4,805 |
| Pretax return on assets | 0.5213% | 5,170 |
| Return on Equity (ROE) | 5.5643% | 4,372 |
| Retained earnings to average equity (ytd only) | -2.0643% | 5,860 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0072% | 1,271 |
| Assets per employee ($millions) | 5.2048% | 2,061 |
| Cash dividends to net income (ytd only)* | 137.0994% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5742% | 398 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 5,535 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 37.2307% | 5,738 |
| Net loans and leases to deposits | 41.0259% | 5,834 |
| Net loans and leases to core deposits | 41.3742% | 5,875 |
| Total domestic deposits to total assets | 90.7494% | 325 |
| Equity capital to assets | 8.8103% | 5,481 |
| Core capital (leverage) ratio | 9.2138% | 4,711 |
| Tier 1 risk-based capital ratio | 18.8226% | 1,814 |
| Total risk-based capital ratio | 20.0832% | 1,786 |
| Memoranda: | ||
| Average total assets | $119,964,750 | 4,117 |
| Average earning assets | $111,197,250 | 4,099 |
| Average equity | $11,238,000 | 4,489 |
| Average total loans | $48,239,250 | 4,779 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8360% | 5,992 |
| Cost of funding earning assets | 0.0277% | 6,294 |
| Net interest margin | 2.8083% | 5,598 |
| Noninterest income to average assets | 0.5456% | 3,069 |
| Noninterest expense to average assets | 2.6540% | 3,736 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4992% | 4,769 |
| Return on assets (ROA) | 0.4992% | 4,875 |
| Pretax return on assets | 0.4992% | 5,230 |
| Return on Equity (ROE) | 5.2138% | 4,520 |
| Retained earnings to average equity (ytd only) | -2.7950% | 5,908 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1676% | 1,246 |
| Assets per employee ($millions) | 4.4266% | 3,102 |
| Cash dividends to net income (ytd only)* | 153.6082% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6838% | 381 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 5,599 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 40.3269% | 5,610 |
| Net loans and leases to deposits | 44.8673% | 5,729 |
| Net loans and leases to core deposits | 45.3026% | 5,790 |
| Total domestic deposits to total assets | 89.8803% | 709 |
| Equity capital to assets | 9.6584% | 4,458 |
| Core capital (leverage) ratio | 9.8399% | 3,816 |
| Tier 1 risk-based capital ratio | 20.2065% | 1,505 |
| Total risk-based capital ratio | 21.4695% | 1,480 |
| Memoranda: | ||
| Average total assets | $116,579,330 | 4,215 |
| Average earning assets | $108,251,330 | 4,180 |
| Average equity | $11,162,670 | 4,533 |
| Average total loans | $47,744,000 | 4,825 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7633% | 6,093 |
| Cost of funding earning assets | 0.0256% | 6,371 |
| Net interest margin | 2.7377% | 5,755 |
| Noninterest income to average assets | 0.4637% | 3,545 |
| Noninterest expense to average assets | 2.6389% | 3,789 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3750% | 5,164 |
| Return on assets (ROA) | 0.3750% | 5,286 |
| Pretax return on assets | 0.3750% | 5,483 |
| Return on Equity (ROE) | 3.9335% | 5,005 |
| Retained earnings to average equity (ytd only) | -4.9347% | 5,931 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5566% | 1,052 |
| Assets per employee ($millions) | 4.6269% | 2,867 |
| Cash dividends to net income (ytd only)* | 225.4545% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6252% | 447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 5,665 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 41.0454% | 5,544 |
| Net loans and leases to deposits | 45.7646% | 5,663 |
| Net loans and leases to core deposits | 46.2068% | 5,748 |
| Total domestic deposits to total assets | 89.6881% | 909 |
| Equity capital to assets | 9.8537% | 4,319 |
| Core capital (leverage) ratio | 9.9335% | 3,692 |
| Tier 1 risk-based capital ratio | 19.9687% | 1,628 |
| Total risk-based capital ratio | 21.2304% | 1,594 |
| Memoranda: | ||
| Average total assets | $117,323,000 | 4,230 |
| Average earning assets | $109,290,000 | 4,193 |
| Average equity | $11,186,000 | 4,564 |
| Average total loans | $47,769,500 | 4,858 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8575% | 6,165 |
| Cost of funding earning assets | 0.0318% | 6,452 |
| Net interest margin | 2.8256% | 5,771 |
| Noninterest income to average assets | 0.5823% | 2,969 |
| Noninterest expense to average assets | 2.7084% | 3,830 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4705% | 4,922 |
| Return on assets (ROA) | 0.4713% | 5,019 |
| Pretax return on assets | 0.4713% | 5,320 |
| Return on Equity (ROE) | 5.2229% | 4,547 |
| Retained earnings to average equity (ytd only) | 2.3065% | 4,589 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2002% | 1,262 |
| Assets per employee ($millions) | 4.9573% | 2,376 |
| Cash dividends to net income (ytd only)* | 55.8394% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7362% | 409 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 5,760 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 38.2445% | 5,835 |
| Net loans and leases to deposits | 42.3857% | 5,955 |
| Net loans and leases to core deposits | 42.7814% | 6,002 |
| Total domestic deposits to total assets | 90.2298% | 640 |
| Equity capital to assets | 9.2239% | 5,038 |
| Core capital (leverage) ratio | 9.8748% | 3,744 |
| Tier 1 risk-based capital ratio | 20.2240% | 1,553 |
| Total risk-based capital ratio | 21.4868% | 1,521 |
| Memoranda: | ||
| Average total assets | $116,267,600 | 4,250 |
| Average earning assets | $106,843,400 | 4,248 |
| Average equity | $10,492,200 | 4,658 |
| Average total loans | $49,334,000 | 4,841 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8800% | 6,221 |
| Cost of funding earning assets | 0.0315% | 6,537 |
| Net interest margin | 2.8485% | 5,791 |
| Noninterest income to average assets | 0.5906% | 2,929 |
| Noninterest expense to average assets | 2.7406% | 3,668 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4602% | 5,033 |
| Return on assets (ROA) | 0.4499% | 5,150 |
| Pretax return on assets | 0.4499% | 5,465 |
| Return on Equity (ROE) | 5.0135% | 4,713 |
| Retained earnings to average equity (ytd only) | 1.0799% | 5,453 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6216% | 1,220 |
| Assets per employee ($millions) | 4.6792% | 2,698 |
| Cash dividends to net income (ytd only)* | 78.4611% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5504% | 611 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 5,896 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 40.2012% | 5,800 |
| Net loans and leases to deposits | 44.2799% | 5,958 |
| Net loans and leases to core deposits | 44.6816% | 6,011 |
| Total domestic deposits to total assets | 90.7889% | 420 |
| Equity capital to assets | 8.7327% | 5,618 |
| Core capital (leverage) ratio | 9.6925% | 4,091 |
| Tier 1 risk-based capital ratio | 18.7992% | 1,956 |
| Total risk-based capital ratio | 20.0597% | 1,922 |
| Memoranda: | ||
| Average total assets | $115,591,000 | 4,308 |
| Average earning assets | $105,923,750 | 4,307 |
| Average equity | $10,371,750 | 4,713 |
| Average total loans | $49,972,250 | 4,866 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8965% | 6,258 |
| Cost of funding earning assets | 0.0348% | 6,599 |
| Net interest margin | 2.8618% | 5,795 |
| Noninterest income to average assets | 0.5970% | 2,825 |
| Noninterest expense to average assets | 2.8018% | 3,497 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4050% | 5,205 |
| Return on assets (ROA) | 0.3892% | 5,334 |
| Pretax return on assets | 0.3892% | 5,595 |
| Return on Equity (ROE) | 4.2964% | 5,019 |
| Retained earnings to average equity (ytd only) | -0.1555% | 5,713 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3696% | 1,146 |
| Assets per employee ($millions) | 4.1713% | 3,510 |
| Cash dividends to net income (ytd only)* | 103.6199% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5006% | 709 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 5,964 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 44.3129% | 5,515 |
| Net loans and leases to deposits | 49.1758% | 5,696 |
| Net loans and leases to core deposits | 49.6622% | 5,811 |
| Total domestic deposits to total assets | 90.1113% | 752 |
| Equity capital to assets | 9.4332% | 4,807 |
| Core capital (leverage) ratio | 10.2078% | 3,326 |
| Tier 1 risk-based capital ratio | 19.4438% | 1,812 |
| Total risk-based capital ratio | 20.7069% | 1,779 |
| Memoranda: | ||
| Average total assets | $113,568,670 | 4,372 |
| Average earning assets | $103,572,330 | 4,373 |
| Average equity | $10,287,670 | 4,746 |
| Average total loans | $49,900,330 | 4,901 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8332% | 6,372 |
| Cost of funding earning assets | 0.0349% | 6,675 |
| Net interest margin | 2.7983% | 5,939 |
| Noninterest income to average assets | 0.5542% | 3,022 |
| Noninterest expense to average assets | 2.7499% | 3,749 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3367% | 5,366 |
| Return on assets (ROA) | 0.3052% | 5,522 |
| Pretax return on assets | 0.3052% | 5,705 |
| Return on Equity (ROE) | 3.4389% | 5,305 |
| Retained earnings to average equity (ytd only) | -2.6088% | 5,923 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0909% | 1,120 |
| Assets per employee ($millions) | 4.4667% | 3,033 |
| Cash dividends to net income (ytd only)* | 175.8621% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6017% | 715 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0672% | 6,070 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 41.2613% | 5,727 |
| Net loans and leases to deposits | 45.4600% | 5,889 |
| Net loans and leases to core deposits | 45.8923% | 5,998 |
| Total domestic deposits to total assets | 90.7640% | 658 |
| Equity capital to assets | 8.8235% | 5,306 |
| Core capital (leverage) ratio | 10.0266% | 3,538 |
| Tier 1 risk-based capital ratio | 19.1936% | 1,908 |
| Total risk-based capital ratio | 20.4551% | 1,869 |
| Memoranda: | ||
| Average total assets | $114,041,000 | 4,412 |
| Average earning assets | $103,206,500 | 4,419 |
| Average equity | $10,119,500 | 4,792 |
| Average total loans | $49,257,000 | 4,959 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9689% | 6,372 |
| Cost of funding earning assets | 0.0448% | 6,753 |
| Net interest margin | 2.9241% | 5,743 |
| Noninterest income to average assets | 0.6416% | 2,855 |
| Noninterest expense to average assets | 2.8158% | 3,676 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4832% | 4,803 |
| Return on assets (ROA) | 0.4832% | 4,944 |
| Pretax return on assets | 0.4832% | 5,249 |
| Return on Equity (ROE) | 5.1154% | 4,569 |
| Retained earnings to average equity (ytd only) | -3.9443% | 6,316 |
| Net charge-offs to loans | 0.0549% | 4,462 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 20.2222% | 1,559 |
| Efficiency ratio | 85.3541% | 1,482 |
| Assets per employee ($millions) | 4.3057% | 3,259 |
| Cash dividends to net income (ytd only)* | 177.1062% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5955% | 726 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 6,140 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 42.9088% | 5,759 |
| Net loans and leases to deposits | 47.3742% | 5,934 |
| Net loans and leases to core deposits | 47.8427% | 6,043 |
| Total domestic deposits to total assets | 90.5743% | 770 |
| Equity capital to assets | 8.9255% | 5,123 |
| Core capital (leverage) ratio | 10.1726% | 3,335 |
| Tier 1 risk-based capital ratio | 19.4779% | 1,793 |
| Total risk-based capital ratio | 20.7404% | 1,752 |
| Memoranda: | ||
| Average total assets | $113,003,400 | 4,434 |
| Average earning assets | $102,697,000 | 4,445 |
| Average equity | $10,673,600 | 4,704 |
| Average total loans | $49,186,200 | 4,999 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9801% | 6,438 |
| Cost of funding earning assets | 0.0478% | 6,833 |
| Net interest margin | 2.9322% | 5,735 |
| Noninterest income to average assets | 0.6663% | 2,794 |
| Noninterest expense to average assets | 2.8404% | 3,524 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4956% | 4,812 |
| Return on assets (ROA) | 0.4956% | 4,978 |
| Pretax return on assets | 0.4956% | 5,369 |
| Return on Equity (ROE) | 5.1763% | 4,639 |
| Retained earnings to average equity (ytd only) | -6.7132% | 6,564 |
| Net charge-offs to loans | 0.0705% | 3,921 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 16.1904% | 1,822 |
| Efficiency ratio | 85.1447% | 1,452 |
| Assets per employee ($millions) | 4.3453% | 3,150 |
| Cash dividends to net income (ytd only)* | 229.6907% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5750% | 855 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 6,235 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 42.8655% | 5,831 |
| Net loans and leases to deposits | 47.2681% | 6,015 |
| Net loans and leases to core deposits | 47.8491% | 6,133 |
| Total domestic deposits to total assets | 90.6859% | 665 |
| Equity capital to assets | 8.8574% | 5,347 |
| Core capital (leverage) ratio | 9.8987% | 3,815 |
| Tier 1 risk-based capital ratio | 19.2059% | 1,925 |
| Total risk-based capital ratio | 20.4680% | 1,888 |
| Memoranda: | ||
| Average total assets | $113,267,000 | 4,474 |
| Average earning assets | $103,127,000 | 4,470 |
| Average equity | $10,844,000 | 4,721 |
| Average total loans | $49,153,750 | 5,038 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9744% | 6,473 |
| Cost of funding earning assets | 0.0507% | 6,880 |
| Net interest margin | 2.9237% | 5,743 |
| Noninterest income to average assets | 0.6969% | 2,658 |
| Noninterest expense to average assets | 2.8740% | 3,426 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4675% | 4,938 |
| Return on assets (ROA) | 0.4675% | 5,118 |
| Pretax return on assets | 0.4675% | 5,470 |
| Return on Equity (ROE) | 4.7649% | 4,855 |
| Retained earnings to average equity (ytd only) | -10.2131% | 6,671 |
| Net charge-offs to loans | 0.1103% | 3,257 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 9.8148% | 2,233 |
| Efficiency ratio | 86.0084% | 1,412 |
| Assets per employee ($millions) | 4.0767% | 3,634 |
| Cash dividends to net income (ytd only)* | 314.3396% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6453% | 834 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9757% | 3,820 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 42.7965% | 5,839 |
| Net loans and leases to deposits | 47.2440% | 6,032 |
| Net loans and leases to core deposits | 47.8409% | 6,136 |
| Total domestic deposits to total assets | 90.5862% | 711 |
| Equity capital to assets | 9.0014% | 5,216 |
| Core capital (leverage) ratio | 10.2894% | 3,111 |
| Tier 1 risk-based capital ratio | 19.5774% | 1,834 |
| Total risk-based capital ratio | 20.8402% | 1,805 |
| Memoranda: | ||
| Average total assets | $113,363,000 | 4,498 |
| Average earning assets | $102,541,330 | 4,505 |
| Average equity | $11,123,000 | 4,702 |
| Average total loans | $48,968,670 | 5,069 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0188% | 6,497 |
| Cost of funding earning assets | 0.0540% | 6,962 |
| Net interest margin | 2.9648% | 5,665 |
| Noninterest income to average assets | 0.5182% | 3,645 |
| Noninterest expense to average assets | 2.8520% | 3,535 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3408% | 5,398 |
| Return on assets (ROA) | 0.3408% | 5,538 |
| Pretax return on assets | 0.3408% | 5,747 |
| Return on Equity (ROE) | 3.3417% | 5,418 |
| Retained earnings to average equity (ytd only) | -1.4663% | 6,019 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3246% | 1,208 |
| Assets per employee ($millions) | 4.1572% | 3,617 |
| Cash dividends to net income (ytd only)* | 143.8776% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7452% | 866 |
| Loan loss allowance to noncurrent loans | 131.1245% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 1.0343% | 3,863 |
| Noncurrent loans to loans | 2.0936% | 2,512 |
| Net loans and leases to total assets | 41.2205% | 5,900 |
| Net loans and leases to deposits | 46.1775% | 6,049 |
| Net loans and leases to core deposits | 46.8769% | 6,158 |
| Total domestic deposits to total assets | 89.2654% | 1,515 |
| Equity capital to assets | 10.3630% | 3,717 |
| Core capital (leverage) ratio | 10.2843% | 3,033 |
| Tier 1 risk-based capital ratio | 20.6651% | 1,620 |
| Total risk-based capital ratio | 21.9283% | 1,584 |
| Memoranda: | ||
| Average total assets | $115,008,500 | 4,504 |
| Average earning assets | $103,751,000 | 4,524 |
| Average equity | $11,730,500 | 4,625 |
| Average total loans | $49,259,500 | 5,084 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4757% | 6,380 |
| Cost of funding earning assets | 0.0885% | 7,008 |
| Net interest margin | 3.3872% | 4,930 |
| Noninterest income to average assets | 0.7007% | 2,719 |
| Noninterest expense to average assets | 2.9433% | 3,489 |
| Loan and lease loss provision to assets | -0.0734% | 6,895 |
| Net operating income to assets | 0.9448% | 2,580 |
| Return on assets (ROA) | 0.9448% | 2,828 |
| Pretax return on assets | 0.9448% | 3,768 |
| Return on Equity (ROE) | 9.0229% | 2,627 |
| Retained earnings to average equity (ytd only) | 0.0591% | 5,804 |
| Net charge-offs to loans | -0.0480% | 6,699 |
| Credit loss provision to net charge-offs | 307.4074% | 787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1568% | 2,571 |
| Assets per employee ($millions) | 4.3619% | 3,227 |
| Cash dividends to net income (ytd only)* | 99.3446% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5635% | 1,053 |
| Loan loss allowance to noncurrent loans | 130.9930% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.9867% | 4,057 |
| Noncurrent loans to loans | 1.9570% | 2,739 |
| Net loans and leases to total assets | 42.1484% | 5,993 |
| Net loans and leases to deposits | 47.0570% | 6,170 |
| Net loans and leases to core deposits | 47.7330% | 6,283 |
| Total domestic deposits to total assets | 89.5688% | 1,209 |
| Equity capital to assets | 10.0440% | 4,110 |
| Core capital (leverage) ratio | 10.1787% | 3,166 |
| Tier 1 risk-based capital ratio | 18.5592% | 2,086 |
| Total risk-based capital ratio | 19.8199% | 2,046 |
| Memoranda: | ||
| Average total assets | $113,037,200 | 4,518 |
| Average earning assets | $103,922,000 | 4,493 |
| Average equity | $11,836,600 | 4,601 |
| Average total loans | $56,209,400 | 4,857 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5634% | 6,434 |
| Cost of funding earning assets | 0.0897% | 7,124 |
| Net interest margin | 3.4737% | 4,738 |
| Noninterest income to average assets | 0.7295% | 2,575 |
| Noninterest expense to average assets | 2.9884% | 3,270 |
| Loan and lease loss provision to assets | -0.0989% | 7,035 |
| Net operating income to assets | 1.0728% | 2,199 |
| Return on assets (ROA) | 1.0728% | 2,404 |
| Pretax return on assets | 1.0728% | 3,451 |
| Return on Equity (ROE) | 10.1362% | 2,284 |
| Retained earnings to average equity (ytd only) | -0.6307% | 6,207 |
| Net charge-offs to loans | -0.1901% | 6,979 |
| Credit loss provision to net charge-offs | 101.2195% | 2,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4212% | 2,756 |
| Assets per employee ($millions) | 4.2491% | 3,370 |
| Cash dividends to net income (ytd only)* | 106.2218% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4646% | 1,248 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1438% | 6,358 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 46.9484% | 5,663 |
| Net loans and leases to deposits | 52.5945% | 5,932 |
| Net loans and leases to core deposits | 53.3731% | 6,090 |
| Total domestic deposits to total assets | 89.2649% | 1,268 |
| Equity capital to assets | 10.3664% | 3,990 |
| Core capital (leverage) ratio | 10.2537% | 3,218 |
| Tier 1 risk-based capital ratio | 17.3716% | 2,588 |
| Total risk-based capital ratio | 18.6319% | 2,547 |
| Memoranda: | ||
| Average total assets | $111,853,500 | 4,592 |
| Average earning assets | $104,092,750 | 4,537 |
| Average equity | $11,838,500 | 4,643 |
| Average total loans | $57,525,500 | 4,863 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6276% | 6,451 |
| Cost of funding earning assets | 0.0984% | 7,180 |
| Net interest margin | 3.5292% | 4,554 |
| Noninterest income to average assets | 0.7557% | 2,392 |
| Noninterest expense to average assets | 3.0100% | 3,225 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0442% | 2,272 |
| Return on assets (ROA) | 1.0442% | 2,504 |
| Pretax return on assets | 1.0442% | 3,542 |
| Return on Equity (ROE) | 9.7967% | 2,447 |
| Retained earnings to average equity (ytd only) | -1.6751% | 6,315 |
| Net charge-offs to loans | 0.0034% | 5,468 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 579.0000% | 66 |
| Efficiency ratio | 74.2438% | 3,037 |
| Assets per employee ($millions) | 4.0574% | 3,753 |
| Cash dividends to net income (ytd only)* | 117.0984% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3166% | 1,562 |
| Loan loss allowance to noncurrent loans | 215.3481% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.9283% | 4,514 |
| Noncurrent loans to loans | 1.0757% | 4,369 |
| Net loans and leases to total assets | 52.3866% | 5,048 |
| Net loans and leases to deposits | 58.9795% | 5,346 |
| Net loans and leases to core deposits | 59.8992% | 5,602 |
| Total domestic deposits to total assets | 88.8216% | 1,624 |
| Equity capital to assets | 10.8306% | 3,312 |
| Core capital (leverage) ratio | 10.6319% | 2,684 |
| Tier 1 risk-based capital ratio | 18.1519% | 2,244 |
| Total risk-based capital ratio | 19.4135% | 2,212 |
| Memoranda: | ||
| Average total assets | $110,896,000 | 4,642 |
| Average earning assets | $103,649,000 | 4,581 |
| Average equity | $11,820,330 | 4,647 |
| Average total loans | $58,293,000 | 4,863 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6344% | 6,533 |
| Cost of funding earning assets | 0.1031% | 7,245 |
| Net interest margin | 3.5314% | 4,566 |
| Noninterest income to average assets | 0.6920% | 2,700 |
| Noninterest expense to average assets | 3.0295% | 3,156 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9788% | 2,563 |
| Return on assets (ROA) | 0.9788% | 2,767 |
| Pretax return on assets | 0.9788% | 3,753 |
| Return on Equity (ROE) | 9.2558% | 2,707 |
| Retained earnings to average equity (ytd only) | -4.7127% | 6,561 |
| Net charge-offs to loans | 0.0069% | 4,644 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 273.0000% | 123 |
| Efficiency ratio | 75.5814% | 2,841 |
| Assets per employee ($millions) | 4.1667% | 3,650 |
| Cash dividends to net income (ytd only)* | 150.9158% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3281% | 1,631 |
| Loan loss allowance to noncurrent loans | 215.3481% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.9040% | 4,715 |
| Noncurrent loans to loans | 1.0811% | 4,534 |
| Net loans and leases to total assets | 50.7542% | 5,195 |
| Net loans and leases to deposits | 56.8959% | 5,501 |
| Net loans and leases to core deposits | 57.7545% | 5,732 |
| Total domestic deposits to total assets | 89.2054% | 1,557 |
| Equity capital to assets | 10.4604% | 3,538 |
| Core capital (leverage) ratio | 10.5428% | 2,699 |
| Tier 1 risk-based capital ratio | 18.0566% | 2,268 |
| Total risk-based capital ratio | 19.3175% | 2,236 |
| Memoranda: | ||
| Average total assets | $111,568,500 | 4,667 |
| Average earning assets | $104,775,500 | 4,582 |
| Average equity | $11,798,000 | 4,656 |
| Average total loans | $58,064,000 | 4,903 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9647% | 6,519 |
| Cost of funding earning assets | 0.1866% | 7,250 |
| Net interest margin | 3.7780% | 3,932 |
| Noninterest income to average assets | 0.7169% | 2,509 |
| Noninterest expense to average assets | 3.0682% | 3,320 |
| Loan and lease loss provision to assets | 0.2662% | 3,555 |
| Net operating income to assets | 0.8852% | 2,664 |
| Return on assets (ROA) | 0.8852% | 2,801 |
| Pretax return on assets | 0.8852% | 3,658 |
| Return on Equity (ROE) | 7.9724% | 2,917 |
| Retained earnings to average equity (ytd only) | 2.9372% | 4,147 |
| Net charge-offs to loans | 0.4278% | 3,293 |
| Credit loss provision to net charge-offs | 108.9494% | 3,086 |
| Earnings coverage of net charge-offs (x) | 4.7121% | 3,010 |
| Efficiency ratio | 72.7129% | 3,445 |
| Assets per employee ($millions) | 4.0976% | 3,651 |
| Cash dividends to net income (ytd only)* | 63.1579% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3618% | 1,521 |
| Loan loss allowance to noncurrent loans | 215.5063% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 1.0512% | 4,511 |
| Noncurrent loans to loans | 1.0959% | 4,521 |
| Net loans and leases to total assets | 50.8930% | 5,479 |
| Net loans and leases to deposits | 57.2198% | 5,777 |
| Net loans and leases to core deposits | 58.0995% | 5,992 |
| Total domestic deposits to total assets | 88.9430% | 1,577 |
| Equity capital to assets | 10.6909% | 3,312 |
| Core capital (leverage) ratio | 10.6258% | 2,592 |
| Tier 1 risk-based capital ratio | 18.9783% | 1,899 |
| Total risk-based capital ratio | 20.2409% | 1,854 |
| Memoranda: | ||
| Average total assets | $105,175,400 | 4,751 |
| Average earning assets | $97,511,000 | 4,698 |
| Average equity | $11,677,800 | 4,621 |
| Average total loans | $60,077,000 | 4,865 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1248% | 6,355 |
| Cost of funding earning assets | 0.2032% | 7,325 |
| Net interest margin | 3.9216% | 3,268 |
| Noninterest income to average assets | 0.7231% | 2,463 |
| Noninterest expense to average assets | 3.1878% | 2,859 |
| Loan and lease loss provision to assets | 0.2312% | 3,703 |
| Net operating income to assets | 0.9222% | 2,666 |
| Return on assets (ROA) | 0.9222% | 2,801 |
| Pretax return on assets | 0.9222% | 3,678 |
| Return on Equity (ROE) | 8.2241% | 2,950 |
| Retained earnings to average equity (ytd only) | 4.1120% | 3,804 |
| Net charge-offs to loans | 0.1230% | 4,808 |
| Credit loss provision to net charge-offs | 321.4286% | 871 |
| Earnings coverage of net charge-offs (x) | 16.0367% | 1,423 |
| Efficiency ratio | 73.4320% | 3,292 |
| Assets per employee ($millions) | 4.5206% | 2,880 |
| Cash dividends to net income (ytd only)* | 49.9995% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5846% | 1,289 |
| Loan loss allowance to noncurrent loans | 560.5364% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.4805% | 5,882 |
| Noncurrent loans to loans | 0.4611% | 5,927 |
| Net loans and leases to total assets | 48.7904% | 5,864 |
| Net loans and leases to deposits | 54.7713% | 6,138 |
| Net loans and leases to core deposits | 55.5930% | 6,344 |
| Total domestic deposits to total assets | 89.0803% | 1,385 |
| Equity capital to assets | 10.5259% | 3,673 |
| Core capital (leverage) ratio | 10.8388% | 2,533 |
| Tier 1 risk-based capital ratio | 20.1683% | 1,647 |
| Total risk-based capital ratio | 21.4349% | 1,611 |
| Memoranda: | ||
| Average total assets | $103,810,250 | 4,820 |
| Average earning assets | $95,775,500 | 4,784 |
| Average equity | $11,640,250 | 4,651 |
| Average total loans | $60,679,250 | 4,877 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3115% | 5,985 |
| Cost of funding earning assets | 0.2281% | 7,388 |
| Net interest margin | 4.0835% | 2,479 |
| Noninterest income to average assets | 0.7326% | 2,364 |
| Noninterest expense to average assets | 3.2380% | 2,777 |
| Loan and lease loss provision to assets | 0.3573% | 2,642 |
| Net operating income to assets | 0.8696% | 2,770 |
| Return on assets (ROA) | 0.8696% | 2,864 |
| Pretax return on assets | 0.8696% | 3,760 |
| Return on Equity (ROE) | 7.5811% | 3,151 |
| Retained earnings to average equity (ytd only) | 4.8983% | 3,062 |
| Net charge-offs to loans | 0.1805% | 4,083 |
| Credit loss provision to net charge-offs | 321.4286% | 942 |
| Earnings coverage of net charge-offs (x) | 11.0357% | 1,750 |
| Efficiency ratio | 72.5211% | 3,631 |
| Assets per employee ($millions) | 4.1450% | 3,461 |
| Cash dividends to net income (ytd only)* | 35.3881% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3981% | 1,595 |
| Loan loss allowance to noncurrent loans | 214.6628% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.8019% | 5,287 |
| Noncurrent loans to loans | 1.1172% | 4,802 |
| Net loans and leases to total assets | 57.5002% | 4,722 |
| Net loans and leases to deposits | 65.1875% | 5,115 |
| Net loans and leases to core deposits | 65.8991% | 5,528 |
| Total domestic deposits to total assets | 88.2074% | 2,009 |
| Equity capital to assets | 11.4105% | 2,590 |
| Core capital (leverage) ratio | 11.6444% | 1,819 |
| Tier 1 risk-based capital ratio | 18.9998% | 1,848 |
| Total risk-based capital ratio | 20.2638% | 1,805 |
| Memoranda: | ||
| Average total assets | $100,741,670 | 4,944 |
| Average earning assets | $92,078,330 | 4,934 |
| Average equity | $11,555,000 | 4,674 |
| Average total loans | $62,037,670 | 4,867 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4092% | 5,658 |
| Cost of funding earning assets | 0.2355% | 7,455 |
| Net interest margin | 4.1737% | 1,986 |
| Noninterest income to average assets | 0.6405% | 2,895 |
| Noninterest expense to average assets | 3.2266% | 2,792 |
| Loan and lease loss provision to assets | 0.4834% | 1,823 |
| Net operating income to assets | 0.7855% | 3,102 |
| Return on assets (ROA) | 0.7855% | 3,169 |
| Pretax return on assets | 0.7855% | 3,951 |
| Return on Equity (ROE) | 6.8298% | 3,476 |
| Retained earnings to average equity (ytd only) | 1.4010% | 5,265 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7742% | 3,919 |
| Assets per employee ($millions) | 3.8304% | 4,236 |
| Cash dividends to net income (ytd only)* | 79.4872% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3530% | 1,674 |
| Loan loss allowance to noncurrent loans | 494.9153% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.4529% | 6,083 |
| Noncurrent loans to loans | 0.4754% | 6,068 |
| Net loans and leases to total assets | 60.8374% | 4,107 |
| Net loans and leases to deposits | 68.9793% | 4,531 |
| Net loans and leases to core deposits | 69.7609% | 5,071 |
| Total domestic deposits to total assets | 88.1966% | 2,266 |
| Equity capital to assets | 11.4881% | 2,284 |
| Core capital (leverage) ratio | 11.6483% | 1,771 |
| Tier 1 risk-based capital ratio | 17.9053% | 2,143 |
| Total risk-based capital ratio | 19.1685% | 2,110 |
| Memoranda: | ||
| Average total assets | $99,300,500 | 5,021 |
| Average earning assets | $91,717,000 | 4,982 |
| Average equity | $11,420,500 | 4,688 |
| Average total loans | $62,532,500 | 4,883 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8324% | 5,303 |
| Cost of funding earning assets | 0.3220% | 7,488 |
| Net interest margin | 4.5103% | 1,207 |
| Noninterest income to average assets | 0.7592% | 2,488 |
| Noninterest expense to average assets | 3.3094% | 2,715 |
| Loan and lease loss provision to assets | 0.1216% | 5,943 |
| Net operating income to assets | 1.4880% | 785 |
| Return on assets (ROA) | 1.4880% | 848 |
| Pretax return on assets | 1.4880% | 1,412 |
| Return on Equity (ROE) | 12.8454% | 1,127 |
| Retained earnings to average equity (ytd only) | 2.0213% | 4,456 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2780% | 4,708 |
| Assets per employee ($millions) | 3.6671% | 4,529 |
| Cash dividends to net income (ytd only)* | 84.2643% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1264% | 2,011 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 6,835 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 62.2931% | 4,225 |
| Net loans and leases to deposits | 70.7557% | 4,716 |
| Net loans and leases to core deposits | 71.5610% | 5,259 |
| Total domestic deposits to total assets | 88.0397% | 2,224 |
| Equity capital to assets | 11.5139% | 2,250 |
| Core capital (leverage) ratio | 11.4178% | 1,881 |
| Tier 1 risk-based capital ratio | 17.5180% | 2,167 |
| Total risk-based capital ratio | 18.7781% | 2,126 |
| Memoranda: | ||
| Average total assets | $98,659,000 | 5,024 |
| Average earning assets | $90,990,800 | 4,984 |
| Average equity | $11,428,200 | 4,756 |
| Average total loans | $67,156,200 | 4,784 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8651% | 5,416 |
| Cost of funding earning assets | 0.3414% | 7,613 |
| Net interest margin | 4.5238% | 1,207 |
| Noninterest income to average assets | 0.7548% | 2,481 |
| Noninterest expense to average assets | 3.3356% | 2,465 |
| Loan and lease loss provision to assets | 0.1217% | 5,809 |
| Net operating income to assets | 1.4919% | 940 |
| Return on assets (ROA) | 1.4919% | 1,018 |
| Pretax return on assets | 1.4919% | 1,643 |
| Return on Equity (ROE) | 12.8605% | 1,294 |
| Retained earnings to average equity (ytd only) | 2.1337% | 4,900 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3955% | 4,584 |
| Assets per employee ($millions) | 3.8536% | 4,136 |
| Cash dividends to net income (ytd only)* | 83.4092% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9586% | 2,331 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1499% | 6,981 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 63.0244% | 4,317 |
| Net loans and leases to deposits | 71.2276% | 4,963 |
| Net loans and leases to core deposits | 71.9924% | 5,516 |
| Total domestic deposits to total assets | 88.4831% | 1,679 |
| Equity capital to assets | 11.0738% | 2,885 |
| Core capital (leverage) ratio | 11.0193% | 2,245 |
| Tier 1 risk-based capital ratio | 16.4779% | 2,563 |
| Total risk-based capital ratio | 17.7362% | 2,514 |
| Memoranda: | ||
| Average total assets | $98,571,000 | 5,092 |
| Average earning assets | $91,396,250 | 5,027 |
| Average equity | $11,435,250 | 4,831 |
| Average total loans | $68,191,000 | 4,823 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9351% | 5,249 |
| Cost of funding earning assets | 0.3664% | 7,682 |
| Net interest margin | 4.5688% | 1,064 |
| Noninterest income to average assets | 0.7670% | 2,291 |
| Noninterest expense to average assets | 3.3635% | 2,362 |
| Loan and lease loss provision to assets | 0.1240% | 5,651 |
| Net operating income to assets | 1.5587% | 798 |
| Return on assets (ROA) | 1.5587% | 852 |
| Pretax return on assets | 1.5587% | 1,404 |
| Return on Equity (ROE) | 13.2207% | 1,189 |
| Retained earnings to average equity (ytd only) | 2.3671% | 4,653 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6530% | 4,853 |
| Assets per employee ($millions) | 3.5957% | 4,710 |
| Cash dividends to net income (ytd only)* | 82.0955% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8629% | 2,531 |
| Loan loss allowance to noncurrent loans | 71.2298% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 2.0127% | 3,488 |
| Noncurrent loans to loans | 2.6153% | 3,027 |
| Net loans and leases to total assets | 69.4546% | 3,028 |
| Net loans and leases to deposits | 79.1534% | 3,767 |
| Net loans and leases to core deposits | 80.0689% | 4,687 |
| Total domestic deposits to total assets | 87.7468% | 2,139 |
| Equity capital to assets | 11.8350% | 2,194 |
| Core capital (leverage) ratio | 11.9074% | 1,701 |
| Tier 1 risk-based capital ratio | 16.4010% | 2,515 |
| Total risk-based capital ratio | 17.6587% | 2,456 |
| Memoranda: | ||
| Average total assets | $96,745,670 | 5,172 |
| Average earning assets | $90,615,330 | 5,074 |
| Average equity | $11,406,330 | 4,830 |
| Average total loans | $68,626,330 | 4,834 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8072% | 5,868 |
| Cost of funding earning assets | 0.3796% | 7,783 |
| Net interest margin | 4.4275% | 1,304 |
| Noninterest income to average assets | 0.7290% | 2,409 |
| Noninterest expense to average assets | 3.3507% | 2,370 |
| Loan and lease loss provision to assets | 0.1243% | 5,335 |
| Net operating income to assets | 1.4082% | 1,056 |
| Return on assets (ROA) | 1.4082% | 1,126 |
| Pretax return on assets | 1.4082% | 1,749 |
| Return on Equity (ROE) | 11.9671% | 1,510 |
| Retained earnings to average equity (ytd only) | 1.4783% | 5,207 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6175% | 4,599 |
| Assets per employee ($millions) | 3.5797% | 4,869 |
| Cash dividends to net income (ytd only)* | 87.6471% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8242% | 2,659 |
| Loan loss allowance to noncurrent loans | 57.3921% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 2.4200% | 3,007 |
| Noncurrent loans to loans | 3.1785% | 2,516 |
| Net loans and leases to total assets | 69.6040% | 3,035 |
| Net loans and leases to deposits | 79.2370% | 3,793 |
| Net loans and leases to core deposits | 80.1537% | 4,744 |
| Total domestic deposits to total assets | 87.8429% | 2,143 |
| Equity capital to assets | 11.7702% | 2,188 |
| Core capital (leverage) ratio | 11.8347% | 1,729 |
| Tier 1 risk-based capital ratio | 16.2161% | 2,558 |
| Total risk-based capital ratio | 17.4742% | 2,513 |
| Memoranda: | ||
| Average total assets | $96,576,000 | 5,242 |
| Average earning assets | $90,615,000 | 5,149 |
| Average equity | $11,364,500 | 4,880 |
| Average total loans | $68,584,500 | 4,908 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3637% | 4,871 |
| Cost of funding earning assets | 0.5010% | 7,832 |
| Net interest margin | 4.8627% | 609 |
| Noninterest income to average assets | 0.8085% | 2,365 |
| Noninterest expense to average assets | 3.5081% | 2,356 |
| Loan and lease loss provision to assets | 0.1600% | 6,083 |
| Net operating income to assets | 1.6959% | 447 |
| Return on assets (ROA) | 1.6959% | 476 |
| Pretax return on assets | 1.6959% | 788 |
| Return on Equity (ROE) | 13.9166% | 798 |
| Retained earnings to average equity (ytd only) | 0.8753% | 4,413 |
| Net charge-offs to loans | 0.0127% | 7,043 |
| Credit loss provision to net charge-offs | 1,666.6667% | 192 |
| Earnings coverage of net charge-offs (x) | 193.3333% | 144 |
| Efficiency ratio | 65.4007% | 5,516 |
| Assets per employee ($millions) | 3.4465% | 5,137 |
| Cash dividends to net income (ytd only)* | 93.7107% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7772% | 2,621 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 7,015 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 69.8708% | 3,283 |
| Net loans and leases to deposits | 79.6781% | 4,052 |
| Net loans and leases to core deposits | 85.6584% | 5,551 |
| Total domestic deposits to total assets | 87.6913% | 2,128 |
| Equity capital to assets | 11.7646% | 2,159 |
| Core capital (leverage) ratio | 11.4976% | 1,916 |
| Tier 1 risk-based capital ratio | 16.5321% | 2,307 |
| Total risk-based capital ratio | 17.7901% | 2,251 |
| Memoranda: | ||
| Average total assets | $93,754,000 | 5,274 |
| Average earning assets | $87,831,200 | 5,204 |
| Average equity | $11,425,200 | 4,909 |
| Average total loans | $70,628,000 | 4,847 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4415% | 4,731 |
| Cost of funding earning assets | 0.5275% | 7,926 |
| Net interest margin | 4.9141% | 532 |
| Noninterest income to average assets | 0.7736% | 2,580 |
| Noninterest expense to average assets | 3.5157% | 2,241 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.8624% | 391 |
| Return on assets (ROA) | 1.8624% | 412 |
| Pretax return on assets | 1.8624% | 711 |
| Return on Equity (ROE) | 15.1468% | 754 |
| Retained earnings to average equity (ytd only) | 3.1459% | 3,554 |
| Net charge-offs to loans | 0.0019% | 6,967 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 1,303.2256% | 14 |
| Efficiency ratio | 65.3703% | 5,484 |
| Assets per employee ($millions) | 3.4225% | 5,115 |
| Cash dividends to net income (ytd only)* | 79.2308% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5217% | 3,316 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1622% | 7,132 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 70.2891% | 3,443 |
| Net loans and leases to deposits | 79.9862% | 4,391 |
| Net loans and leases to core deposits | 85.6715% | 5,895 |
| Total domestic deposits to total assets | 87.8764% | 1,715 |
| Equity capital to assets | 11.6601% | 2,464 |
| Core capital (leverage) ratio | 11.5925% | 2,017 |
| Tier 1 risk-based capital ratio | 16.2530% | 2,534 |
| Total risk-based capital ratio | 17.5076% | 2,471 |
| Memoranda: | ||
| Average total assets | $93,067,250 | 5,331 |
| Average earning assets | $87,203,500 | 5,258 |
| Average equity | $11,443,250 | 4,937 |
| Average total loans | $71,123,500 | 4,872 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5558% | 4,311 |
| Cost of funding earning assets | 0.5687% | 8,009 |
| Net interest margin | 4.9870% | 444 |
| Noninterest income to average assets | 0.8000% | 2,411 |
| Noninterest expense to average assets | 3.5888% | 2,096 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.8746% | 395 |
| Return on assets (ROA) | 1.8746% | 426 |
| Pretax return on assets | 1.8746% | 732 |
| Return on Equity (ROE) | 14.9649% | 833 |
| Retained earnings to average equity (ytd only) | 2.8947% | 3,715 |
| Net charge-offs to loans | 0.0028% | 6,586 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 853.0000% | 31 |
| Efficiency ratio | 65.6879% | 5,602 |
| Assets per employee ($millions) | 3.2172% | 5,545 |
| Cash dividends to net income (ytd only)* | 80.6565% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4984% | 3,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2026% | 7,006 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 75.9539% | 2,189 |
| Net loans and leases to deposits | 87.0171% | 3,356 |
| Net loans and leases to core deposits | 94.5056% | 5,057 |
| Total domestic deposits to total assets | 87.2862% | 2,105 |
| Equity capital to assets | 12.2862% | 2,032 |
| Core capital (leverage) ratio | 12.4873% | 1,630 |
| Tier 1 risk-based capital ratio | 15.6310% | 2,758 |
| Total risk-based capital ratio | 16.8846% | 2,687 |
| Memoranda: | ||
| Average total assets | $91,005,330 | 5,432 |
| Average earning assets | $85,101,000 | 5,375 |
| Average equity | $11,400,000 | 4,975 |
| Average total loans | $71,217,330 | 4,912 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6473% | 4,067 |
| Cost of funding earning assets | 0.6243% | 8,038 |
| Net interest margin | 5.0230% | 380 |
| Noninterest income to average assets | 0.7478% | 2,613 |
| Noninterest expense to average assets | 3.5033% | 2,093 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.9364% | 393 |
| Return on assets (ROA) | 1.9364% | 446 |
| Pretax return on assets | 1.9364% | 747 |
| Return on Equity (ROE) | 15.3054% | 920 |
| Retained earnings to average equity (ytd only) | 3.6592% | 3,866 |
| Net charge-offs to loans | 0.0056% | 5,610 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 435.0000% | 77 |
| Efficiency ratio | 64.4026% | 5,609 |
| Assets per employee ($millions) | 3.0825% | 5,935 |
| Cash dividends to net income (ytd only)* | 76.0920% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5157% | 2,887 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2114% | 6,889 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 78.3538% | 1,734 |
| Net loans and leases to deposits | 90.2545% | 2,885 |
| Net loans and leases to core deposits | 97.8295% | 4,761 |
| Total domestic deposits to total assets | 86.8143% | 2,306 |
| Equity capital to assets | 12.7573% | 1,853 |
| Core capital (leverage) ratio | 12.7448% | 1,587 |
| Tier 1 risk-based capital ratio | 15.8547% | 2,738 |
| Total risk-based capital ratio | 17.1093% | 2,682 |
| Memoranda: | ||
| Average total assets | $89,858,000 | 5,491 |
| Average earning assets | $83,934,000 | 5,429 |
| Average equity | $11,368,500 | 5,011 |
| Average total loans | $70,854,500 | 4,951 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3066% | 3,929 |
| Cost of funding earning assets | 0.9632% | 8,072 |
| Net interest margin | 5.3434% | 265 |
| Noninterest income to average assets | 0.7956% | 2,541 |
| Noninterest expense to average assets | 3.4354% | 2,567 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.3177% | 188 |
| Return on assets (ROA) | 2.3177% | 181 |
| Pretax return on assets | 2.3177% | 301 |
| Return on Equity (ROE) | 18.6704% | 480 |
| Retained earnings to average equity (ytd only) | 1.3195% | 4,423 |
| Net charge-offs to loans | -0.0043% | 7,780 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7133% | 6,402 |
| Assets per employee ($millions) | 3.1146% | 5,737 |
| Cash dividends to net income (ytd only)* | 92.9327% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5286% | 2,550 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2092% | 6,736 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 76.9563% | 2,390 |
| Net loans and leases to deposits | 88.5771% | 3,709 |
| Net loans and leases to core deposits | 96.8146% | 5,169 |
| Total domestic deposits to total assets | 86.8806% | 1,992 |
| Equity capital to assets | 12.5471% | 1,986 |
| Core capital (leverage) ratio | 12.2701% | 1,855 |
| Tier 1 risk-based capital ratio | 15.8949% | 2,707 |
| Total risk-based capital ratio | 17.1487% | 2,644 |
| Memoranda: | ||
| Average total assets | $89,743,400 | 5,368 |
| Average earning assets | $83,262,200 | 5,321 |
| Average equity | $11,140,600 | 5,085 |
| Average total loans | $70,257,600 | 4,857 |