Home > Bank of Prairie Village > Performance and Condition Ratios
Bank of Prairie Village, 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 | 5.5419% | 1,107 |
| Cost of funding earning assets | 1.4713% | 2,017 |
| Net interest margin | 4.0706% | 1,101 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 2.2081% | 3,098 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.5903% | 879 |
| Return on assets (ROA) | 1.5903% | 844 |
| Pretax return on assets | 1.6527% | 1,146 |
| Return on Equity (ROE) | 15.2400% | 1,241 |
| Retained earnings to average equity (ytd only) | 6.2362% | 2,159 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 56.4240% | 3,455 |
| Assets per employee ($millions) | 13.0408% | 323 |
| Cash dividends to net income (ytd only)* | 59.0737% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8551% | 3,836 |
| Loan loss allowance to noncurrent loans | 1,708.7719% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 3,352 |
| Noncurrent loans to loans | 0.0500% | 3,366 |
| Net loans and leases to total assets | 78.7300% | 794 |
| Net loans and leases to deposits | 87.8464% | 1,450 |
| Net loans and leases to core deposits | 92.5254% | 1,867 |
| Total domestic deposits to total assets | 89.6200% | 870 |
| Equity capital to assets | 10.1527% | 1,917 |
| Core capital (leverage) ratio | 10.6724% | 2,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $133,052,800 | 3,521 |
| Average earning assets | $123,495,800 | 3,511 |
| Average equity | $13,886,600 | 3,349 |
| Average total loans | $108,621,000 | 3,081 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4139% | 1,117 |
| Cost of funding earning assets | 1.3785% | 1,922 |
| Net interest margin | 4.0353% | 1,167 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 2.1647% | 3,165 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.5668% | 989 |
| Return on assets (ROA) | 1.5668% | 983 |
| Pretax return on assets | 1.6414% | 1,282 |
| Return on Equity (ROE) | 14.9000% | 1,460 |
| Retained earnings to average equity (ytd only) | 4.2087% | 3,204 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.8250% | 3,412 |
| Assets per employee ($millions) | 10.4610% | 580 |
| Cash dividends to net income (ytd only)* | 71.7547% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 3,785 |
| Loan loss allowance to noncurrent loans | 344.1696% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 2,220 |
| Noncurrent loans to loans | 0.2567% | 2,319 |
| Net loans and leases to total assets | 80.3600% | 601 |
| Net loans and leases to deposits | 89.6383% | 1,260 |
| Net loans and leases to core deposits | 93.9190% | 1,681 |
| Total domestic deposits to total assets | 89.6500% | 1,031 |
| Equity capital to assets | 10.1174% | 1,762 |
| Core capital (leverage) ratio | 10.6534% | 2,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $130,453,750 | 3,557 |
| Average earning assets | $120,995,000 | 3,544 |
| Average equity | $13,717,250 | 3,356 |
| Average total loans | $107,300,000 | 3,100 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1478% | 1,289 |
| Cost of funding earning assets | 1.0621% | 2,411 |
| Net interest margin | 4.0857% | 1,105 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 2.2021% | 3,071 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.5862% | 968 |
| Return on assets (ROA) | 1.5862% | 968 |
| Pretax return on assets | 1.6609% | 1,293 |
| Return on Equity (ROE) | 14.8900% | 1,492 |
| Retained earnings to average equity (ytd only) | 1.0216% | 3,909 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.1682% | 3,399 |
| Assets per employee ($millions) | 9.8653% | 691 |
| Cash dividends to net income (ytd only)* | 93.1373% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8914% | 3,811 |
| Loan loss allowance to noncurrent loans | 1,884.0000% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 3,391 |
| Noncurrent loans to loans | 0.0473% | 3,380 |
| Net loans and leases to total assets | 81.6700% | 459 |
| Net loans and leases to deposits | 91.5782% | 1,058 |
| Net loans and leases to core deposits | 95.9385% | 1,472 |
| Total domestic deposits to total assets | 89.1800% | 1,183 |
| Equity capital to assets | 10.6215% | 1,541 |
| Core capital (leverage) ratio | 10.9753% | 1,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $128,607,333 | 3,586 |
| Average earning assets | $119,195,667 | 3,581 |
| Average equity | $13,703,333 | 3,380 |
| Average total loans | $106,313,000 | 3,106 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9869% | 1,249 |
| Cost of funding earning assets | 0.7664% | 2,853 |
| Net interest margin | 4.2205% | 917 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 2.2611% | 2,928 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.5964% | 984 |
| Return on assets (ROA) | 1.5964% | 982 |
| Pretax return on assets | 1.6710% | 1,339 |
| Return on Equity (ROE) | 14.9600% | 1,558 |
| Retained earnings to average equity (ytd only) | 10.5937% | 1,559 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.8711% | 3,419 |
| Assets per employee ($millions) | 11.5857% | 442 |
| Cash dividends to net income (ytd only)* | 29.1829% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8921% | 3,877 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 82.2000% | 358 |
| Net loans and leases to deposits | 92.6072% | 880 |
| Net loans and leases to core deposits | 95.8937% | 1,290 |
| Total domestic deposits to total assets | 88.7600% | 1,635 |
| Equity capital to assets | 11.0026% | 1,335 |
| Core capital (leverage) ratio | 11.2943% | 1,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $128,786,500 | 3,631 |
| Average earning assets | $119,512,500 | 3,615 |
| Average equity | $13,744,000 | 3,417 |
| Average total loans | $106,629,500 | 3,130 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2619% | 1,137 |
| Cost of funding earning assets | 0.1174% | 4,298 |
| Net interest margin | 4.1445% | 611 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 2.4772% | 2,189 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.4982% | 882 |
| Return on assets (ROA) | 1.4982% | 851 |
| Pretax return on assets | 1.5626% | 1,259 |
| Return on Equity (ROE) | 14.9500% | 1,264 |
| Retained earnings to average equity (ytd only) | 0.8597% | 4,226 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.9810% | 2,913 |
| Assets per employee ($millions) | 11.8300% | 408 |
| Cash dividends to net income (ytd only)* | 94.2500% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9353% | 3,645 |
| 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 | 81.8800% | 418 |
| Net loans and leases to deposits | 97.5875% | 550 |
| Net loans and leases to core deposits | 100.3154% | 988 |
| Total domestic deposits to total assets | 83.9000% | 3,227 |
| Equity capital to assets | 10.3481% | 1,536 |
| Core capital (leverage) ratio | 10.6692% | 2,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $133,497,000 | 3,602 |
| Average earning assets | $124,380,800 | 3,575 |
| Average equity | $13,376,600 | 3,537 |
| Average total loans | $100,860,400 | 3,141 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0028% | 1,259 |
| Cost of funding earning assets | 0.1118% | 4,183 |
| Net interest margin | 3.8910% | 817 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 2.1150% | 3,173 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.6356% | 610 |
| Return on assets (ROA) | 1.6356% | 597 |
| Pretax return on assets | 1.7101% | 883 |
| Return on Equity (ROE) | 16.4500% | 901 |
| Retained earnings to average equity (ytd only) | -0.8686% | 4,413 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.0788% | 3,714 |
| Assets per employee ($millions) | 13.4467% | 276 |
| Cash dividends to net income (ytd only)* | 105.2791% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9567% | 3,666 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 76.3000% | 876 |
| Net loans and leases to deposits | 84.5657% | 1,263 |
| Net loans and leases to core deposits | 86.8869% | 1,475 |
| Total domestic deposits to total assets | 90.2200% | 1,561 |
| Equity capital to assets | 9.6306% | 1,806 |
| Core capital (leverage) ratio | 10.6043% | 2,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $134,338,750 | 3,616 |
| Average earning assets | $125,242,000 | 3,598 |
| Average equity | $13,354,250 | 3,577 |
| Average total loans | $99,186,750 | 3,164 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9023% | 1,110 |
| Cost of funding earning assets | 0.0974% | 4,215 |
| Net interest margin | 3.8048% | 747 |
| Noninterest income to average assets | 0.1519% | 4,253 |
| Noninterest expense to average assets | 2.0626% | 3,258 |
| Loan and lease loss provision to assets | 0.0119% | 2,380 |
| Net operating income to assets | 1.5533% | 615 |
| Return on assets (ROA) | 1.5533% | 600 |
| Pretax return on assets | 1.6248% | 893 |
| Return on Equity (ROE) | 15.4645% | 803 |
| Retained earnings to average equity (ytd only) | -8.2586% | 4,630 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7568% | 3,799 |
| Assets per employee ($millions) | 13.3086% | 273 |
| Cash dividends to net income (ytd only)* | 153.4036% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 3,679 |
| 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 | 74.5834% | 856 |
| Net loans and leases to deposits | 90.3859% | 697 |
| Net loans and leases to core deposits | 93.1310% | 966 |
| Total domestic deposits to total assets | 82.5166% | 3,942 |
| Equity capital to assets | 9.6314% | 1,917 |
| Core capital (leverage) ratio | 10.3080% | 2,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,296,000 | 3,658 |
| Average earning assets | $125,209,333 | 3,646 |
| Average equity | $13,489,000 | 3,635 |
| Average total loans | $97,720,000 | 3,218 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7934% | 1,095 |
| Cost of funding earning assets | 0.1017% | 4,111 |
| Net interest margin | 3.6917% | 758 |
| Noninterest income to average assets | 0.1512% | 4,241 |
| Noninterest expense to average assets | 1.9451% | 3,562 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5775% | 541 |
| Return on assets (ROA) | 1.5775% | 532 |
| Pretax return on assets | 1.6516% | 754 |
| Return on Equity (ROE) | 15.3930% | 599 |
| Retained earnings to average equity (ytd only) | -13.5412% | 4,625 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0808% | 4,045 |
| Assets per employee ($millions) | 11.9088% | 406 |
| Cash dividends to net income (ytd only)* | 187.9699% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 3,734 |
| 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 | 73.8070% | 676 |
| Net loans and leases to deposits | 85.9430% | 744 |
| Net loans and leases to core deposits | 88.4867% | 993 |
| Total domestic deposits to total assets | 85.8791% | 3,304 |
| Equity capital to assets | 10.1613% | 1,784 |
| Core capital (leverage) ratio | 10.0753% | 2,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,901,000 | 3,665 |
| Average earning assets | $125,904,500 | 3,659 |
| Average equity | $13,824,500 | 3,674 |
| Average total loans | $96,458,000 | 3,240 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0404% | 1,264 |
| Cost of funding earning assets | 0.1514% | 3,957 |
| Net interest margin | 3.8890% | 861 |
| Noninterest income to average assets | 0.1602% | 4,348 |
| Noninterest expense to average assets | 2.5638% | 1,976 |
| Loan and lease loss provision to assets | 0.0114% | 2,856 |
| Net operating income to assets | 1.1369% | 2,153 |
| Return on assets (ROA) | 1.1369% | 2,206 |
| Pretax return on assets | 1.1903% | 2,696 |
| Return on Equity (ROE) | 10.4804% | 2,356 |
| Retained earnings to average equity (ytd only) | 2.8135% | 3,722 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0851% | 1,964 |
| Assets per employee ($millions) | 12.6186% | 344 |
| Cash dividends to net income (ytd only)* | 73.1544% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0246% | 3,645 |
| 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 | 67.9219% | 1,274 |
| Net loans and leases to deposits | 79.0129% | 1,294 |
| Net loans and leases to core deposits | 82.6117% | 1,416 |
| Total domestic deposits to total assets | 85.9630% | 2,927 |
| Equity capital to assets | 10.3296% | 2,341 |
| Core capital (leverage) ratio | 10.3773% | 2,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,055,400 | 3,669 |
| Average earning assets | $121,496,400 | 3,672 |
| Average equity | $14,217,000 | 3,715 |
| Average total loans | $88,706,400 | 3,354 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0065% | 1,519 |
| Cost of funding earning assets | 0.1630% | 3,989 |
| Net interest margin | 3.8435% | 1,032 |
| Noninterest income to average assets | 0.1611% | 4,397 |
| Noninterest expense to average assets | 2.3451% | 2,609 |
| Loan and lease loss provision to assets | 0.0155% | 2,690 |
| Net operating income to assets | 1.2908% | 1,851 |
| Return on assets (ROA) | 1.2908% | 1,909 |
| Pretax return on assets | 1.3548% | 2,480 |
| Return on Equity (ROE) | 11.7478% | 2,134 |
| Retained earnings to average equity (ytd only) | 2.9134% | 3,938 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1184% | 2,521 |
| Assets per employee ($millions) | 10.8016% | 509 |
| Cash dividends to net income (ytd only)* | 75.2000% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 3,769 |
| 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 | 72.9268% | 782 |
| Net loans and leases to deposits | 85.8228% | 837 |
| Net loans and leases to core deposits | 90.0000% | 1,034 |
| Total domestic deposits to total assets | 84.9737% | 3,123 |
| Equity capital to assets | 11.0030% | 2,014 |
| Core capital (leverage) ratio | 10.7922% | 1,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,118,000 | 3,724 |
| Average earning assets | $119,403,250 | 3,730 |
| Average equity | $14,186,750 | 3,770 |
| Average total loans | $87,069,250 | 3,423 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9347% | 1,728 |
| Cost of funding earning assets | 0.1831% | 3,923 |
| Net interest margin | 3.7516% | 1,217 |
| Noninterest income to average assets | 0.1535% | 4,431 |
| Noninterest expense to average assets | 2.1962% | 3,101 |
| Loan and lease loss provision to assets | 0.0233% | 2,508 |
| Net operating income to assets | 1.3294% | 1,773 |
| Return on assets (ROA) | 1.3338% | 1,832 |
| Pretax return on assets | 1.4021% | 2,336 |
| Return on Equity (ROE) | 12.1455% | 2,002 |
| Retained earnings to average equity (ytd only) | 1.9772% | 4,117 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7204% | 2,907 |
| Assets per employee ($millions) | 9.2171% | 798 |
| Cash dividends to net income (ytd only)* | 83.7209% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 3,312 |
| 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 | 66.4551% | 1,638 |
| Net loans and leases to deposits | 78.1904% | 1,599 |
| Net loans and leases to core deposits | 81.9223% | 1,732 |
| Total domestic deposits to total assets | 84.9914% | 3,099 |
| Equity capital to assets | 10.9339% | 2,033 |
| Core capital (leverage) ratio | 10.5941% | 1,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,951,000 | 3,734 |
| Average earning assets | $119,042,333 | 3,748 |
| Average equity | $14,161,667 | 3,775 |
| Average total loans | $84,258,000 | 3,474 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8518% | 1,953 |
| Cost of funding earning assets | 0.2151% | 3,772 |
| Net interest margin | 3.6367% | 1,483 |
| Noninterest income to average assets | 0.1427% | 4,491 |
| Noninterest expense to average assets | 2.1287% | 3,333 |
| Loan and lease loss provision to assets | 0.0465% | 2,151 |
| Net operating income to assets | 1.2660% | 1,932 |
| Return on assets (ROA) | 1.2660% | 2,008 |
| Pretax return on assets | 1.3250% | 2,501 |
| Return on Equity (ROE) | 11.5027% | 2,189 |
| Retained earnings to average equity (ytd only) | 8.4015% | 2,124 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8156% | 2,937 |
| Assets per employee ($millions) | 9.2838% | 751 |
| Cash dividends to net income (ytd only)* | 26.9608% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1841% | 3,007 |
| Loan loss allowance to noncurrent loans | 209.4421% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.3585% | 2,367 |
| Noncurrent loans to loans | 0.5653% | 2,160 |
| Net loans and leases to total assets | 62.6684% | 2,208 |
| Net loans and leases to deposits | 73.7336% | 2,137 |
| Net loans and leases to core deposits | 78.0311% | 2,182 |
| Total domestic deposits to total assets | 84.9930% | 3,096 |
| Equity capital to assets | 10.9730% | 1,880 |
| Core capital (leverage) ratio | 11.0792% | 1,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,907,000 | 3,750 |
| Average earning assets | $119,010,000 | 3,754 |
| Average equity | $14,188,000 | 3,780 |
| Average total loans | $83,022,500 | 3,510 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1556% | 2,263 |
| Cost of funding earning assets | 0.4652% | 3,188 |
| Net interest margin | 3.6903% | 1,835 |
| Noninterest income to average assets | 0.1617% | 4,489 |
| Noninterest expense to average assets | 1.9908% | 4,155 |
| Loan and lease loss provision to assets | 0.0522% | 3,723 |
| Net operating income to assets | 1.5158% | 779 |
| Return on assets (ROA) | 1.5158% | 845 |
| Pretax return on assets | 1.5857% | 1,106 |
| Return on Equity (ROE) | 13.4218% | 942 |
| Retained earnings to average equity (ytd only) | 8.0158% | 1,049 |
| Net charge-offs to loans | 0.0642% | 1,858 |
| Credit loss provision to net charge-offs | 126.5306% | 2,583 |
| Earnings coverage of net charge-offs (x) | 39.6939% | 1,397 |
| Efficiency ratio | 54.7923% | 4,113 |
| Assets per employee ($millions) | 9.1315% | 708 |
| Cash dividends to net income (ytd only)* | 40.2778% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 3,213 |
| 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 | 64.6553% | 2,279 |
| Net loans and leases to deposits | 76.0937% | 2,274 |
| Net loans and leases to core deposits | 80.3945% | 2,329 |
| Total domestic deposits to total assets | 84.9680% | 2,774 |
| Equity capital to assets | 11.0403% | 2,222 |
| Core capital (leverage) ratio | 10.8982% | 1,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,745,600 | 3,762 |
| Average earning assets | $111,561,600 | 3,741 |
| Average equity | $13,411,000 | 3,824 |
| Average total loans | $76,374,400 | 3,618 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1413% | 2,550 |
| Cost of funding earning assets | 0.5260% | 3,070 |
| Net interest margin | 3.6153% | 2,227 |
| Noninterest income to average assets | 0.1671% | 4,467 |
| Noninterest expense to average assets | 1.9690% | 4,215 |
| Loan and lease loss provision to assets | 0.0343% | 3,909 |
| Net operating income to assets | 1.5008% | 904 |
| Return on assets (ROA) | 1.5008% | 984 |
| Pretax return on assets | 1.5706% | 1,269 |
| Return on Equity (ROE) | 13.2068% | 1,052 |
| Retained earnings to average equity (ytd only) | 7.0114% | 1,685 |
| Net charge-offs to loans | 0.0876% | 1,426 |
| Credit loss provision to net charge-offs | 61.2245% | 2,848 |
| Earnings coverage of net charge-offs (x) | 28.6122% | 1,628 |
| Efficiency ratio | 55.0929% | 4,026 |
| Assets per employee ($millions) | 8.8640% | 728 |
| Cash dividends to net income (ytd only)* | 46.9108% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1172% | 3,113 |
| 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 | 66.1907% | 2,496 |
| Net loans and leases to deposits | 78.1058% | 2,523 |
| Net loans and leases to core deposits | 83.0956% | 2,576 |
| Total domestic deposits to total assets | 84.7449% | 2,532 |
| Equity capital to assets | 11.0576% | 2,354 |
| Core capital (leverage) ratio | 10.4445% | 2,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,471,750 | 3,782 |
| Average earning assets | $109,754,500 | 3,755 |
| Average equity | $13,235,250 | 3,844 |
| Average total loans | $74,563,750 | 3,664 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1422% | 2,928 |
| Cost of funding earning assets | 0.6027% | 2,951 |
| Net interest margin | 3.5396% | 2,676 |
| Noninterest income to average assets | 0.1720% | 4,432 |
| Noninterest expense to average assets | 1.9099% | 4,399 |
| Loan and lease loss provision to assets | 0.0263% | 3,926 |
| Net operating income to assets | 1.4974% | 930 |
| Return on assets (ROA) | 1.4974% | 1,004 |
| Pretax return on assets | 1.5659% | 1,306 |
| Return on Equity (ROE) | 13.0498% | 1,086 |
| Retained earnings to average equity (ytd only) | 11.4434% | 544 |
| Net charge-offs to loans | 0.1366% | 1,031 |
| Credit loss provision to net charge-offs | 30.6122% | 2,698 |
| Earnings coverage of net charge-offs (x) | 18.5102% | 1,760 |
| Efficiency ratio | 54.5363% | 4,112 |
| Assets per employee ($millions) | 8.2731% | 878 |
| Cash dividends to net income (ytd only)* | 12.3095% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,368 |
| 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 | 55.5821% | 3,724 |
| Net loans and leases to deposits | 64.8806% | 3,815 |
| Net loans and leases to core deposits | 68.8669% | 3,802 |
| Total domestic deposits to total assets | 85.6682% | 2,133 |
| Equity capital to assets | 10.3755% | 2,861 |
| Core capital (leverage) ratio | 11.6070% | 1,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,930,333 | 3,802 |
| Average earning assets | $107,188,667 | 3,784 |
| Average equity | $13,073,000 | 3,863 |
| Average total loans | $71,729,000 | 3,722 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5225% | 2,252 |
| Cost of funding earning assets | 0.7911% | 2,447 |
| Net interest margin | 3.7314% | 2,214 |
| Noninterest income to average assets | 0.2063% | 4,312 |
| Noninterest expense to average assets | 2.0514% | 4,308 |
| Loan and lease loss provision to assets | 0.0191% | 3,554 |
| Net operating income to assets | 1.5586% | 685 |
| Return on assets (ROA) | 1.5586% | 753 |
| Pretax return on assets | 1.6312% | 990 |
| Return on Equity (ROE) | 12.8075% | 909 |
| Retained earnings to average equity (ytd only) | 12.8075% | 336 |
| Net charge-offs to loans | 0.2786% | 530 |
| Credit loss provision to net charge-offs | 10.2041% | 2,231 |
| Earnings coverage of net charge-offs (x) | 8.8163% | 1,847 |
| Efficiency ratio | 55.4180% | 4,268 |
| Assets per employee ($millions) | 6.9688% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2959% | 2,168 |
| 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 | 65.8679% | 2,831 |
| Net loans and leases to deposits | 75.1482% | 3,157 |
| Net loans and leases to core deposits | 80.6912% | 3,138 |
| Total domestic deposits to total assets | 87.6507% | 1,251 |
| Equity capital to assets | 12.2288% | 1,898 |
| Core capital (leverage) ratio | 12.4519% | 1,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,710,500 | 3,918 |
| Average earning assets | $98,087,500 | 3,897 |
| Average equity | $12,742,500 | 3,911 |
| Average total loans | $70,349,500 | 3,755 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6181% | 2,551 |
| Cost of funding earning assets | 0.9920% | 1,759 |
| Net interest margin | 3.6261% | 3,055 |
| Noninterest income to average assets | 0.1834% | 4,565 |
| Noninterest expense to average assets | 2.0034% | 4,525 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5047% | 1,038 |
| Return on assets (ROA) | 1.5047% | 1,108 |
| Pretax return on assets | 1.5744% | 1,569 |
| Return on Equity (ROE) | 12.9931% | 1,167 |
| Retained earnings to average equity (ytd only) | 4.9910% | 2,422 |
| Net charge-offs to loans | -0.0015% | 4,198 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9947% | 4,203 |
| Assets per employee ($millions) | 6.9926% | 1,039 |
| Cash dividends to net income (ytd only)* | 61.5873% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 1,764 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2345% | 3,507 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 66.7315% | 2,870 |
| Net loans and leases to deposits | 76.0127% | 3,178 |
| Net loans and leases to core deposits | 81.5905% | 3,167 |
| Total domestic deposits to total assets | 87.7899% | 1,235 |
| Equity capital to assets | 12.1099% | 2,069 |
| Core capital (leverage) ratio | 12.0412% | 1,749 |
| Tier 1 risk-based capital ratio | 21.1542% | 1,140 |
| Total risk-based capital ratio | 22.4077% | 1,115 |
| Memoranda: | ||
| Average total assets | $104,672,600 | 3,922 |
| Average earning assets | $97,983,400 | 3,911 |
| Average equity | $12,121,800 | 3,982 |
| Average total loans | $66,604,200 | 3,844 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5720% | 2,823 |
| Cost of funding earning assets | 1.0190% | 1,683 |
| Net interest margin | 3.5530% | 3,396 |
| Noninterest income to average assets | 0.1835% | 4,623 |
| Noninterest expense to average assets | 1.9932% | 4,570 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4465% | 1,340 |
| Return on assets (ROA) | 1.4465% | 1,393 |
| Pretax return on assets | 1.5140% | 1,916 |
| Return on Equity (ROE) | 12.6353% | 1,402 |
| Retained earnings to average equity (ytd only) | 3.0614% | 3,863 |
| Net charge-offs to loans | -0.0020% | 4,060 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8314% | 4,079 |
| Assets per employee ($millions) | 6.4284% | 1,313 |
| Cash dividends to net income (ytd only)* | 75.7708% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 1,508 |
| 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 | 64.1433% | 3,272 |
| Net loans and leases to deposits | 73.0043% | 3,554 |
| Net loans and leases to core deposits | 78.1720% | 3,537 |
| Total domestic deposits to total assets | 87.8624% | 1,094 |
| Equity capital to assets | 12.0277% | 2,236 |
| Core capital (leverage) ratio | 11.8395% | 1,968 |
| Tier 1 risk-based capital ratio | 20.6552% | 1,242 |
| Total risk-based capital ratio | 21.9088% | 1,213 |
| Memoranda: | ||
| Average total assets | $104,618,500 | 3,969 |
| Average earning assets | $97,867,750 | 3,942 |
| Average equity | $11,976,750 | 4,041 |
| Average total loans | $65,519,750 | 3,918 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5306% | 2,913 |
| Cost of funding earning assets | 1.0479% | 1,505 |
| Net interest margin | 3.4827% | 3,649 |
| Noninterest income to average assets | 0.1730% | 4,714 |
| Noninterest expense to average assets | 1.9809% | 4,636 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3877% | 1,465 |
| Return on assets (ROA) | 1.3877% | 1,522 |
| Pretax return on assets | 1.4524% | 2,021 |
| Return on Equity (ROE) | 12.3255% | 1,466 |
| Retained earnings to average equity (ytd only) | -0.0844% | 4,698 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6966% | 4,047 |
| Assets per employee ($millions) | 6.4717% | 1,250 |
| Cash dividends to net income (ytd only)* | 100.6849% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4538% | 1,403 |
| 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 | 61.9931% | 3,546 |
| Net loans and leases to deposits | 70.2051% | 3,825 |
| Net loans and leases to core deposits | 74.3135% | 3,874 |
| Total domestic deposits to total assets | 88.3029% | 962 |
| Equity capital to assets | 11.6131% | 2,511 |
| Core capital (leverage) ratio | 11.4758% | 2,192 |
| Tier 1 risk-based capital ratio | 20.5202% | 1,248 |
| Total risk-based capital ratio | 21.7743% | 1,216 |
| Memoranda: | ||
| Average total assets | $105,206,670 | 3,974 |
| Average earning assets | $98,486,000 | 3,958 |
| Average equity | $11,845,330 | 4,069 |
| Average total loans | $65,052,330 | 3,952 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5014% | 2,859 |
| Cost of funding earning assets | 1.0599% | 1,338 |
| Net interest margin | 3.4415% | 3,770 |
| Noninterest income to average assets | 0.1698% | 4,723 |
| Noninterest expense to average assets | 1.9918% | 4,658 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3354% | 1,579 |
| Return on assets (ROA) | 1.3354% | 1,615 |
| Pretax return on assets | 1.3995% | 2,087 |
| Return on Equity (ROE) | 12.0454% | 1,514 |
| Retained earnings to average equity (ytd only) | -5.3082% | 4,939 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7319% | 3,987 |
| Assets per employee ($millions) | 7.5750% | 789 |
| Cash dividends to net income (ytd only)* | 144.0678% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4626% | 1,464 |
| 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 | 60.1622% | 3,693 |
| Net loans and leases to deposits | 67.7340% | 3,949 |
| Net loans and leases to core deposits | 70.9597% | 4,011 |
| Total domestic deposits to total assets | 88.8213% | 946 |
| Equity capital to assets | 11.0731% | 2,778 |
| Core capital (leverage) ratio | 11.2246% | 2,369 |
| Tier 1 risk-based capital ratio | 20.5723% | 1,235 |
| Total risk-based capital ratio | 21.8281% | 1,210 |
| Memoranda: | ||
| Average total assets | $106,036,500 | 4,004 |
| Average earning assets | $99,258,000 | 3,981 |
| Average equity | $11,755,500 | 4,095 |
| Average total loans | $65,009,000 | 3,988 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2719% | 3,206 |
| Cost of funding earning assets | 0.6292% | 2,530 |
| Net interest margin | 3.6427% | 3,245 |
| Noninterest income to average assets | 0.1969% | 4,723 |
| Noninterest expense to average assets | 1.9948% | 4,761 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5225% | 1,063 |
| Return on assets (ROA) | 1.5225% | 1,044 |
| Pretax return on assets | 1.5933% | 1,490 |
| Return on Equity (ROE) | 13.7884% | 1,102 |
| Retained earnings to average equity (ytd only) | 5.1816% | 2,673 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5946% | 4,459 |
| Assets per employee ($millions) | 7.5731% | 772 |
| Cash dividends to net income (ytd only)* | 62.4204% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4509% | 1,444 |
| 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 | 60.6680% | 3,697 |
| Net loans and leases to deposits | 68.2896% | 3,955 |
| Net loans and leases to core deposits | 71.7439% | 4,006 |
| Total domestic deposits to total assets | 88.8392% | 929 |
| Equity capital to assets | 11.0995% | 2,592 |
| Core capital (leverage) ratio | 11.7051% | 1,947 |
| Tier 1 risk-based capital ratio | 20.3897% | 1,246 |
| Total risk-based capital ratio | 21.6438% | 1,221 |
| Memoranda: | ||
| Average total assets | $103,118,600 | 4,053 |
| Average earning assets | $95,999,800 | 4,035 |
| Average equity | $11,386,400 | 4,102 |
| Average total loans | $62,749,800 | 4,031 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2182% | 3,253 |
| Cost of funding earning assets | 0.5122% | 3,115 |
| Net interest margin | 3.7059% | 3,000 |
| Noninterest income to average assets | 0.2005% | 4,770 |
| Noninterest expense to average assets | 2.0326% | 4,680 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5443% | 1,079 |
| Return on assets (ROA) | 1.5443% | 1,079 |
| Pretax return on assets | 1.6160% | 1,529 |
| Return on Equity (ROE) | 14.0049% | 1,120 |
| Retained earnings to average equity (ytd only) | 3.9677% | 3,791 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7102% | 4,417 |
| Assets per employee ($millions) | 6.5428% | 1,164 |
| Cash dividends to net income (ytd only)* | 71.6700% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4371% | 1,565 |
| 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 | 66.1786% | 3,159 |
| Net loans and leases to deposits | 74.9902% | 3,512 |
| Net loans and leases to core deposits | 80.0436% | 3,492 |
| Total domestic deposits to total assets | 88.2497% | 1,139 |
| Equity capital to assets | 11.6637% | 2,139 |
| Core capital (leverage) ratio | 11.6292% | 2,064 |
| Tier 1 risk-based capital ratio | 17.2247% | 2,011 |
| Total risk-based capital ratio | 18.4771% | 1,962 |
| Memoranda: | ||
| Average total assets | $102,392,500 | 4,102 |
| Average earning assets | $95,268,000 | 4,093 |
| Average equity | $11,291,000 | 4,159 |
| Average total loans | $62,120,000 | 4,080 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0519% | 3,610 |
| Cost of funding earning assets | 0.4539% | 3,326 |
| Net interest margin | 3.5980% | 3,320 |
| Noninterest income to average assets | 0.2004% | 4,817 |
| Noninterest expense to average assets | 2.0364% | 4,729 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4411% | 1,306 |
| Return on assets (ROA) | 1.4411% | 1,310 |
| Pretax return on assets | 1.5085% | 1,786 |
| Return on Equity (ROE) | 13.3108% | 1,262 |
| Retained earnings to average equity (ytd only) | 0.4983% | 4,863 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4457% | 4,309 |
| Assets per employee ($millions) | 6.6699% | 1,091 |
| Cash dividends to net income (ytd only)* | 96.2567% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4914% | 1,423 |
| 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 | 62.5220% | 3,543 |
| Net loans and leases to deposits | 70.4359% | 3,819 |
| Net loans and leases to core deposits | 75.4102% | 3,784 |
| Total domestic deposits to total assets | 88.7644% | 1,033 |
| Equity capital to assets | 11.1776% | 2,479 |
| Core capital (leverage) ratio | 11.1321% | 2,408 |
| Tier 1 risk-based capital ratio | 18.5668% | 1,658 |
| Total risk-based capital ratio | 19.8192% | 1,620 |
| Memoranda: | ||
| Average total assets | $103,809,330 | 4,115 |
| Average earning assets | $96,498,330 | 4,107 |
| Average equity | $11,239,000 | 4,198 |
| Average total loans | $60,861,330 | 4,143 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8138% | 4,177 |
| Cost of funding earning assets | 0.4463% | 3,230 |
| Net interest margin | 3.3675% | 3,997 |
| Noninterest income to average assets | 0.1930% | 4,862 |
| Noninterest expense to average assets | 2.0626% | 4,737 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2149% | 1,944 |
| Return on assets (ROA) | 1.2149% | 1,954 |
| Pretax return on assets | 1.2716% | 2,469 |
| Return on Equity (ROE) | 11.3961% | 1,806 |
| Retained earnings to average equity (ytd only) | 6.0708% | 2,678 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8615% | 3,809 |
| Assets per employee ($millions) | 6.7513% | 1,067 |
| Cash dividends to net income (ytd only)* | 46.7290% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5639% | 1,242 |
| 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 | 58.8595% | 3,866 |
| Net loans and leases to deposits | 66.3295% | 4,064 |
| Net loans and leases to core deposits | 71.7914% | 3,982 |
| Total domestic deposits to total assets | 88.7380% | 1,242 |
| Equity capital to assets | 11.1731% | 2,407 |
| Core capital (leverage) ratio | 11.0496% | 2,383 |
| Tier 1 risk-based capital ratio | 19.6884% | 1,395 |
| Total risk-based capital ratio | 20.9417% | 1,365 |
| Memoranda: | ||
| Average total assets | $105,690,000 | 4,127 |
| Average earning assets | $98,588,500 | 4,122 |
| Average equity | $11,267,000 | 4,235 |
| Average total loans | $59,542,500 | 4,207 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8378% | 3,918 |
| Cost of funding earning assets | 0.4632% | 2,660 |
| Net interest margin | 3.3745% | 3,925 |
| Noninterest income to average assets | 0.7825% | 1,640 |
| Noninterest expense to average assets | 2.4658% | 3,893 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4001% | 1,019 |
| Return on assets (ROA) | 1.4001% | 1,035 |
| Pretax return on assets | 1.4653% | 1,759 |
| Return on Equity (ROE) | 13.9417% | 769 |
| Retained earnings to average equity (ytd only) | 8.8863% | 528 |
| Net charge-offs to loans | -0.0189% | 4,944 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7251% | 3,825 |
| Assets per employee ($millions) | 7.8650% | 671 |
| Cash dividends to net income (ytd only)* | 36.2608% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6179% | 1,100 |
| 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 | 52.2968% | 4,501 |
| Net loans and leases to deposits | 58.2810% | 4,676 |
| Net loans and leases to core deposits | 62.7796% | 4,612 |
| Total domestic deposits to total assets | 89.7321% | 664 |
| Equity capital to assets | 10.1889% | 3,502 |
| Core capital (leverage) ratio | 10.3079% | 3,061 |
| Tier 1 risk-based capital ratio | 19.1955% | 1,472 |
| Total risk-based capital ratio | 20.4496% | 1,442 |
| Memoranda: | ||
| Average total assets | $107,349,000 | 4,111 |
| Average earning assets | $100,162,800 | 4,094 |
| Average equity | $10,780,600 | 4,336 |
| Average total loans | $63,645,200 | 4,107 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8577% | 3,806 |
| Cost of funding earning assets | 0.4648% | 2,573 |
| Net interest margin | 3.3929% | 3,867 |
| Noninterest income to average assets | 0.7725% | 1,693 |
| Noninterest expense to average assets | 2.5239% | 3,654 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3901% | 1,110 |
| Return on assets (ROA) | 1.3901% | 1,128 |
| Pretax return on assets | 1.4151% | 2,078 |
| Return on Equity (ROE) | 13.8940% | 856 |
| Retained earnings to average equity (ytd only) | 8.5838% | 980 |
| Net charge-offs to loans | -0.0246% | 4,922 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0749% | 3,532 |
| Assets per employee ($millions) | 7.7872% | 686 |
| Cash dividends to net income (ytd only)* | 38.2192% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5933% | 1,258 |
| 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 | 53.6511% | 4,441 |
| Net loans and leases to deposits | 59.7328% | 4,652 |
| Net loans and leases to core deposits | 64.7504% | 4,568 |
| Total domestic deposits to total assets | 89.8185% | 538 |
| Equity capital to assets | 10.1100% | 3,789 |
| Core capital (leverage) ratio | 10.1046% | 3,438 |
| Tier 1 risk-based capital ratio | 19.4766% | 1,486 |
| Total risk-based capital ratio | 20.7312% | 1,447 |
| Memoranda: | ||
| Average total assets | $106,658,750 | 4,164 |
| Average earning assets | $99,538,000 | 4,147 |
| Average equity | $10,671,000 | 4,392 |
| Average total loans | $64,923,750 | 4,106 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9140% | 3,510 |
| Cost of funding earning assets | 0.4599% | 2,511 |
| Net interest margin | 3.4541% | 3,574 |
| Noninterest income to average assets | 0.7689% | 1,690 |
| Noninterest expense to average assets | 2.5408% | 3,615 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4281% | 1,001 |
| Return on assets (ROA) | 1.4281% | 1,031 |
| Pretax return on assets | 1.4489% | 1,826 |
| Return on Equity (ROE) | 14.3263% | 772 |
| Retained earnings to average equity (ytd only) | 8.5465% | 983 |
| Net charge-offs to loans | -0.0090% | 4,498 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6837% | 3,724 |
| Assets per employee ($millions) | 7.2235% | 835 |
| Cash dividends to net income (ytd only)* | 40.3439% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5264% | 1,495 |
| 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 | 55.8476% | 4,241 |
| Net loans and leases to deposits | 62.0757% | 4,497 |
| Net loans and leases to core deposits | 67.4890% | 4,379 |
| Total domestic deposits to total assets | 89.9670% | 549 |
| Equity capital to assets | 9.9611% | 3,956 |
| Core capital (leverage) ratio | 10.3937% | 3,030 |
| Tier 1 risk-based capital ratio | 17.5764% | 1,980 |
| Total risk-based capital ratio | 18.8285% | 1,936 |
| Memoranda: | ||
| Average total assets | $105,871,330 | 4,209 |
| Average earning assets | $98,723,000 | 4,189 |
| Average equity | $10,554,000 | 4,427 |
| Average total loans | $66,752,330 | 4,088 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0180% | 2,966 |
| Cost of funding earning assets | 0.4510% | 2,516 |
| Net interest margin | 3.5670% | 3,021 |
| Noninterest income to average assets | 0.7302% | 1,829 |
| Noninterest expense to average assets | 2.6111% | 3,454 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4336% | 929 |
| Return on assets (ROA) | 1.4336% | 955 |
| Pretax return on assets | 1.4451% | 1,714 |
| Return on Equity (ROE) | 14.3754% | 741 |
| Retained earnings to average equity (ytd only) | 7.6669% | 1,586 |
| Net charge-offs to loans | -0.0115% | 4,487 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3732% | 3,775 |
| Assets per employee ($millions) | 6.4696% | 1,205 |
| Cash dividends to net income (ytd only)* | 46.6667% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3727% | 2,197 |
| 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 | 65.0392% | 3,108 |
| Net loans and leases to deposits | 73.5364% | 3,446 |
| Net loans and leases to core deposits | 79.9079% | 3,309 |
| Total domestic deposits to total assets | 88.4449% | 1,460 |
| Equity capital to assets | 10.1804% | 3,532 |
| Core capital (leverage) ratio | 10.1658% | 3,295 |
| Tier 1 risk-based capital ratio | 16.4994% | 2,361 |
| Total risk-based capital ratio | 17.7514% | 2,307 |
| Memoranda: | ||
| Average total assets | $104,631,000 | 4,275 |
| Average earning assets | $97,560,500 | 4,241 |
| Average equity | $10,434,500 | 4,475 |
| Average total loans | $69,403,500 | 4,066 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9364% | 3,434 |
| Cost of funding earning assets | 0.4635% | 2,413 |
| Net interest margin | 3.4730% | 3,535 |
| Noninterest income to average assets | 0.1297% | 5,537 |
| Noninterest expense to average assets | 2.1542% | 4,880 |
| Loan and lease loss provision to assets | 0.1167% | 2,119 |
| Net operating income to assets | 1.0846% | 1,964 |
| Return on assets (ROA) | 1.0846% | 2,063 |
| Pretax return on assets | 1.1182% | 3,026 |
| Return on Equity (ROE) | 11.5154% | 1,396 |
| Retained earnings to average equity (ytd only) | 3.6370% | 3,331 |
| Net charge-offs to loans | -0.0085% | 4,903 |
| Credit loss provision to net charge-offs | -2,083.3333% | 5,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5638% | 4,021 |
| Assets per employee ($millions) | 6.2205% | 1,316 |
| Cash dividends to net income (ytd only)* | 68.4165% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3254% | 2,400 |
| 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 | 65.8266% | 3,099 |
| Net loans and leases to deposits | 75.5180% | 3,367 |
| Net loans and leases to core deposits | 82.4716% | 3,177 |
| Total domestic deposits to total assets | 87.1668% | 2,047 |
| Equity capital to assets | 9.7694% | 3,985 |
| Core capital (leverage) ratio | 9.7385% | 3,814 |
| Tier 1 risk-based capital ratio | 16.8172% | 2,224 |
| Total risk-based capital ratio | 18.0692% | 2,174 |
| Memoranda: | ||
| Average total assets | $107,140,800 | 4,220 |
| Average earning assets | $100,548,000 | 4,192 |
| Average equity | $10,090,800 | 4,556 |
| Average total loans | $70,699,600 | 4,029 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9180% | 3,525 |
| Cost of funding earning assets | 0.4620% | 2,445 |
| Net interest margin | 3.4560% | 3,645 |
| Noninterest income to average assets | 0.1240% | 5,626 |
| Noninterest expense to average assets | 2.1298% | 4,940 |
| Loan and lease loss provision to assets | 0.1550% | 1,502 |
| Net operating income to assets | 1.0481% | 2,205 |
| Return on assets (ROA) | 1.0481% | 2,336 |
| Pretax return on assets | 1.0866% | 3,283 |
| Return on Equity (ROE) | 11.2319% | 1,582 |
| Retained earnings to average equity (ytd only) | 2.2597% | 4,566 |
| Net charge-offs to loans | -0.0094% | 4,761 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1714% | 4,042 |
| Assets per employee ($millions) | 6.6099% | 1,042 |
| Cash dividends to net income (ytd only)* | 79.8818% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3211% | 2,572 |
| 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 | 65.9670% | 3,127 |
| Net loans and leases to deposits | 74.8779% | 3,513 |
| Net loans and leases to core deposits | 82.0612% | 3,278 |
| Total domestic deposits to total assets | 88.0994% | 1,352 |
| Equity capital to assets | 9.6238% | 4,538 |
| Core capital (leverage) ratio | 9.4818% | 4,204 |
| Tier 1 risk-based capital ratio | 14.5691% | 3,253 |
| Total risk-based capital ratio | 15.8193% | 3,190 |
| Memoranda: | ||
| Average total assets | $107,488,750 | 4,245 |
| Average earning assets | $101,000,000 | 4,216 |
| Average equity | $10,030,750 | 4,609 |
| Average total loans | $70,738,000 | 4,056 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8990% | 3,611 |
| Cost of funding earning assets | 0.4546% | 2,526 |
| Net interest margin | 3.4443% | 3,710 |
| Noninterest income to average assets | 0.1129% | 5,731 |
| Noninterest expense to average assets | 2.1524% | 4,945 |
| Loan and lease loss provision to assets | 0.1481% | 1,550 |
| Net operating income to assets | 1.0086% | 2,352 |
| Return on assets (ROA) | 1.0086% | 2,485 |
| Pretax return on assets | 1.0512% | 3,391 |
| Return on Equity (ROE) | 10.9200% | 1,676 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,286 |
| Net charge-offs to loans | -0.0085% | 4,654 |
| Credit loss provision to net charge-offs | -2,666.6667% | 5,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2187% | 3,982 |
| Assets per employee ($millions) | 6.8397% | 931 |
| Cash dividends to net income (ytd only)* | 100.0000% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2120% | 3,289 |
| 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 | 66.0620% | 3,072 |
| Net loans and leases to deposits | 77.8705% | 3,171 |
| Net loans and leases to core deposits | 84.9500% | 2,995 |
| Total domestic deposits to total assets | 84.8357% | 2,945 |
| Equity capital to assets | 9.1433% | 5,122 |
| Core capital (leverage) ratio | 9.1005% | 4,717 |
| Tier 1 risk-based capital ratio | 14.7496% | 3,181 |
| Total risk-based capital ratio | 15.9996% | 3,129 |
| Memoranda: | ||
| Average total assets | $108,065,330 | 4,264 |
| Average earning assets | $101,616,670 | 4,235 |
| Average equity | $9,981,670 | 4,648 |
| Average total loans | $70,750,670 | 4,078 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8628% | 3,722 |
| Cost of funding earning assets | 0.4398% | 2,685 |
| Net interest margin | 3.4230% | 3,790 |
| Noninterest income to average assets | 0.0820% | 5,879 |
| Noninterest expense to average assets | 2.1419% | 5,030 |
| Loan and lease loss provision to assets | 0.1118% | 1,865 |
| Net operating income to assets | 1.0020% | 2,267 |
| Return on assets (ROA) | 1.0020% | 2,387 |
| Pretax return on assets | 1.0467% | 3,291 |
| Return on Equity (ROE) | 10.7929% | 1,677 |
| Retained earnings to average equity (ytd only) | -3.0493% | 5,475 |
| Net charge-offs to loans | -0.0288% | 5,045 |
| Credit loss provision to net charge-offs | -600.0000% | 4,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8984% | 3,993 |
| Assets per employee ($millions) | 7.1567% | 834 |
| Cash dividends to net income (ytd only)* | 128.2528% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 3,559 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 65.0735% | 3,095 |
| Net loans and leases to deposits | 74.8631% | 3,332 |
| Net loans and leases to core deposits | 82.1171% | 3,123 |
| Total domestic deposits to total assets | 86.9233% | 2,242 |
| Equity capital to assets | 9.2519% | 4,938 |
| Core capital (leverage) ratio | 9.2504% | 4,550 |
| Tier 1 risk-based capital ratio | 14.2835% | 3,505 |
| Total risk-based capital ratio | 15.4903% | 3,472 |
| Memoranda: | ||
| Average total assets | $107,380,500 | 4,318 |
| Average earning assets | $100,963,000 | 4,269 |
| Average equity | $9,969,500 | 4,664 |
| Average total loans | $69,535,000 | 4,124 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6858% | 4,412 |
| Cost of funding earning assets | 0.4422% | 2,719 |
| Net interest margin | 3.2436% | 4,494 |
| Noninterest income to average assets | 0.1384% | 5,720 |
| Noninterest expense to average assets | 1.8796% | 5,640 |
| Loan and lease loss provision to assets | 0.1146% | 2,093 |
| Net operating income to assets | 1.0787% | 2,010 |
| Return on assets (ROA) | 1.0787% | 2,084 |
| Pretax return on assets | 1.1761% | 2,746 |
| Return on Equity (ROE) | 11.6440% | 1,393 |
| Retained earnings to average equity (ytd only) | 5.4407% | 2,111 |
| Net charge-offs to loans | 0.1296% | 2,075 |
| Credit loss provision to net charge-offs | 144.5783% | 1,829 |
| Earnings coverage of net charge-offs (x) | 16.2892% | 2,145 |
| Efficiency ratio | 59.2894% | 4,997 |
| Assets per employee ($millions) | 7.1607% | 837 |
| Cash dividends to net income (ytd only)* | 53.2743% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1759% | 3,605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 62.9085% | 3,429 |
| Net loans and leases to deposits | 69.4436% | 3,977 |
| Net loans and leases to core deposits | 76.5813% | 3,705 |
| Total domestic deposits to total assets | 90.5893% | 412 |
| Equity capital to assets | 9.3166% | 4,771 |
| Core capital (leverage) ratio | 9.3932% | 4,331 |
| Tier 1 risk-based capital ratio | 15.4274% | 2,970 |
| Total risk-based capital ratio | 16.6669% | 2,913 |
| Memoranda: | ||
| Average total assets | $104,755,600 | 4,364 |
| Average earning assets | $97,915,000 | 4,337 |
| Average equity | $9,704,600 | 4,706 |
| Average total loans | $64,019,000 | 4,262 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6498% | 4,576 |
| Cost of funding earning assets | 0.4417% | 2,778 |
| Net interest margin | 3.2082% | 4,643 |
| Noninterest income to average assets | 0.1383% | 5,795 |
| Noninterest expense to average assets | 1.8381% | 5,727 |
| Loan and lease loss provision to assets | 0.1281% | 1,769 |
| Net operating income to assets | 1.0593% | 2,174 |
| Return on assets (ROA) | 1.0593% | 2,269 |
| Pretax return on assets | 1.1682% | 2,937 |
| Return on Equity (ROE) | 11.4512% | 1,550 |
| Retained earnings to average equity (ytd only) | 4.9156% | 2,975 |
| Net charge-offs to loans | 0.0064% | 3,952 |
| Credit loss provision to net charge-offs | 3,333.3333% | 109 |
| Earnings coverage of net charge-offs (x) | 337.3250% | 219 |
| Efficiency ratio | 58.6432% | 5,048 |
| Assets per employee ($millions) | 7.5476% | 674 |
| Cash dividends to net income (ytd only)* | 57.0739% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 3,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5991% | 3,475 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 62.6705% | 3,510 |
| Net loans and leases to deposits | 72.1632% | 3,744 |
| Net loans and leases to core deposits | 76.7631% | 3,715 |
| Total domestic deposits to total assets | 86.8455% | 2,119 |
| Equity capital to assets | 9.3085% | 4,996 |
| Core capital (leverage) ratio | 9.4086% | 4,426 |
| Tier 1 risk-based capital ratio | 14.5792% | 3,511 |
| Total risk-based capital ratio | 15.8309% | 3,433 |
| Memoranda: | ||
| Average total assets | $104,092,000 | 4,425 |
| Average earning assets | $97,207,500 | 4,400 |
| Average equity | $9,629,000 | 4,785 |
| Average total loans | $62,930,250 | 4,336 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6022% | 4,712 |
| Cost of funding earning assets | 0.4418% | 2,818 |
| Net interest margin | 3.1604% | 4,785 |
| Noninterest income to average assets | 0.1410% | 5,861 |
| Noninterest expense to average assets | 1.8288% | 5,815 |
| Loan and lease loss provision to assets | 0.1352% | 1,620 |
| Net operating income to assets | 1.0061% | 2,361 |
| Return on assets (ROA) | 1.0061% | 2,467 |
| Pretax return on assets | 1.1336% | 3,036 |
| Return on Equity (ROE) | 10.8996% | 1,715 |
| Retained earnings to average equity (ytd only) | 3.7657% | 3,608 |
| Net charge-offs to loans | 0.0130% | 3,466 |
| Credit loss provision to net charge-offs | 1,750.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 164.2500% | 402 |
| Efficiency ratio | 59.0399% | 5,105 |
| Assets per employee ($millions) | 7.4483% | 681 |
| Cash dividends to net income (ytd only)* | 65.4511% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3231% | 3,120 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6070% | 3,597 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 59.5794% | 3,894 |
| Net loans and leases to deposits | 66.8039% | 4,249 |
| Net loans and leases to core deposits | 71.6252% | 4,172 |
| Total domestic deposits to total assets | 89.1854% | 1,055 |
| Equity capital to assets | 9.2629% | 4,937 |
| Core capital (leverage) ratio | 9.2732% | 4,589 |
| Tier 1 risk-based capital ratio | 14.5424% | 3,610 |
| Total risk-based capital ratio | 15.7927% | 3,539 |
| Memoranda: | ||
| Average total assets | $103,567,000 | 4,475 |
| Average earning assets | $96,885,670 | 4,448 |
| Average equity | $9,560,000 | 4,829 |
| Average total loans | $61,545,000 | 4,422 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5367% | 4,871 |
| Cost of funding earning assets | 0.4385% | 2,894 |
| Net interest margin | 3.0983% | 4,960 |
| Noninterest income to average assets | 0.1318% | 5,941 |
| Noninterest expense to average assets | 1.8835% | 5,786 |
| Loan and lease loss provision to assets | 0.1550% | 1,309 |
| Net operating income to assets | 0.8216% | 3,148 |
| Return on assets (ROA) | 0.8216% | 3,277 |
| Pretax return on assets | 0.9960% | 3,524 |
| Return on Equity (ROE) | 8.9165% | 2,484 |
| Retained earnings to average equity (ytd only) | 2.6076% | 4,377 |
| Net charge-offs to loans | 0.1644% | 1,291 |
| Credit loss provision to net charge-offs | 160.0000% | 1,202 |
| Earnings coverage of net charge-offs (x) | 11.8800% | 1,832 |
| Efficiency ratio | 62.0690% | 4,786 |
| Assets per employee ($millions) | 7.4008% | 712 |
| Cash dividends to net income (ytd only)* | 70.7547% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2764% | 3,540 |
| Loan loss allowance to noncurrent loans | 131.6498% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.5733% | 3,760 |
| Noncurrent loans to loans | 0.9695% | 2,832 |
| Net loans and leases to total assets | 58.3780% | 3,890 |
| Net loans and leases to deposits | 64.3406% | 4,335 |
| Net loans and leases to core deposits | 68.9213% | 4,246 |
| Total domestic deposits to total assets | 90.7326% | 458 |
| Equity capital to assets | 9.2085% | 5,076 |
| Core capital (leverage) ratio | 9.3065% | 4,561 |
| Tier 1 risk-based capital ratio | 14.6823% | 3,613 |
| Total risk-based capital ratio | 15.8863% | 3,560 |
| Memoranda: | ||
| Average total assets | $103,212,500 | 4,519 |
| Average earning assets | $96,699,000 | 4,488 |
| Average equity | $9,510,500 | 4,876 |
| Average total loans | $60,837,500 | 4,469 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6298% | 4,998 |
| Cost of funding earning assets | 0.4779% | 2,902 |
| Net interest margin | 3.1518% | 5,068 |
| Noninterest income to average assets | 0.1481% | 5,951 |
| Noninterest expense to average assets | 1.7426% | 6,123 |
| Loan and lease loss provision to assets | 0.1720% | 1,511 |
| Net operating income to assets | 1.1560% | 1,743 |
| Return on assets (ROA) | 1.1560% | 1,814 |
| Pretax return on assets | 1.1569% | 2,841 |
| Return on Equity (ROE) | 13.1450% | 1,103 |
| Retained earnings to average equity (ytd only) | 5.5839% | 2,202 |
| Net charge-offs to loans | 0.5017% | 815 |
| Credit loss provision to net charge-offs | 59.8007% | 3,290 |
| Earnings coverage of net charge-offs (x) | 4.6213% | 3,606 |
| Efficiency ratio | 56.7341% | 5,595 |
| Assets per employee ($millions) | 7.3439% | 709 |
| Cash dividends to net income (ytd only)* | 57.5207% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 3,598 |
| Loan loss allowance to noncurrent loans | 123.9095% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.6021% | 3,787 |
| Noncurrent loans to loans | 1.0247% | 2,775 |
| Net loans and leases to total assets | 58.0077% | 4,044 |
| Net loans and leases to deposits | 63.9345% | 4,534 |
| Net loans and leases to core deposits | 68.5139% | 4,448 |
| Total domestic deposits to total assets | 90.7299% | 453 |
| Equity capital to assets | 9.2205% | 5,043 |
| Core capital (leverage) ratio | 9.1448% | 4,762 |
| Tier 1 risk-based capital ratio | 14.6299% | 3,707 |
| Total risk-based capital ratio | 15.8143% | 3,671 |
| Memoranda: | ||
| Average total assets | $104,672,600 | 4,488 |
| Average earning assets | $97,086,000 | 4,480 |
| Average equity | $9,205,000 | 4,921 |
| Average total loans | $59,996,600 | 4,491 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6080% | 5,121 |
| Cost of funding earning assets | 0.4823% | 2,932 |
| Net interest margin | 3.1257% | 5,180 |
| Noninterest income to average assets | 0.1496% | 6,018 |
| Noninterest expense to average assets | 1.7488% | 6,158 |
| Loan and lease loss provision to assets | 0.1395% | 1,790 |
| Net operating income to assets | 1.1528% | 1,856 |
| Return on assets (ROA) | 1.1528% | 1,916 |
| Pretax return on assets | 1.1540% | 2,969 |
| Return on Equity (ROE) | 13.2655% | 1,145 |
| Retained earnings to average equity (ytd only) | 5.4726% | 2,782 |
| Net charge-offs to loans | 0.3896% | 1,022 |
| Credit loss provision to net charge-offs | 62.8571% | 2,892 |
| Earnings coverage of net charge-offs (x) | 5.8285% | 3,187 |
| Efficiency ratio | 57.4823% | 5,514 |
| Assets per employee ($millions) | 7.4494% | 653 |
| Cash dividends to net income (ytd only)* | 58.7457% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3322% | 3,489 |
| Loan loss allowance to noncurrent loans | 138.5522% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.5696% | 4,141 |
| Noncurrent loans to loans | 0.9615% | 3,157 |
| Net loans and leases to total assets | 58.4470% | 4,012 |
| Net loans and leases to deposits | 67.3372% | 4,202 |
| Net loans and leases to core deposits | 72.7491% | 4,082 |
| Total domestic deposits to total assets | 86.7975% | 2,422 |
| Equity capital to assets | 8.9567% | 5,393 |
| Core capital (leverage) ratio | 8.9698% | 5,111 |
| Tier 1 risk-based capital ratio | 14.1523% | 4,104 |
| Total risk-based capital ratio | 15.4000% | 4,040 |
| Memoranda: | ||
| Average total assets | $105,137,250 | 4,518 |
| Average earning assets | $97,299,000 | 4,515 |
| Average equity | $9,136,250 | 4,974 |
| Average total loans | $59,894,000 | 4,530 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6030% | 5,144 |
| Cost of funding earning assets | 0.4833% | 2,996 |
| Net interest margin | 3.1197% | 5,192 |
| Noninterest income to average assets | 0.1575% | 6,006 |
| Noninterest expense to average assets | 1.7587% | 6,196 |
| Loan and lease loss provision to assets | 0.1328% | 1,867 |
| Net operating income to assets | 1.1421% | 1,782 |
| Return on assets (ROA) | 1.1421% | 1,867 |
| Pretax return on assets | 1.1440% | 2,910 |
| Return on Equity (ROE) | 13.2775% | 1,105 |
| Retained earnings to average equity (ytd only) | 4.9404% | 2,996 |
| Net charge-offs to loans | -0.0472% | 5,847 |
| Credit loss provision to net charge-offs | -500.0000% | 5,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9375% | 5,560 |
| Assets per employee ($millions) | 8.6465% | 378 |
| Cash dividends to net income (ytd only)* | 62.7907% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6627% | 2,253 |
| Loan loss allowance to noncurrent loans | 111.8527% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.8375% | 3,462 |
| Noncurrent loans to loans | 1.4865% | 2,337 |
| Net loans and leases to total assets | 55.4049% | 4,361 |
| Net loans and leases to deposits | 61.8712% | 4,705 |
| Net loans and leases to core deposits | 66.6949% | 4,576 |
| Total domestic deposits to total assets | 89.5488% | 1,052 |
| Equity capital to assets | 8.8591% | 5,459 |
| Core capital (leverage) ratio | 8.7513% | 5,335 |
| Tier 1 risk-based capital ratio | 14.5064% | 3,929 |
| Total risk-based capital ratio | 15.7605% | 3,867 |
| Memoranda: | ||
| Average total assets | $105,419,330 | 4,549 |
| Average earning assets | $97,251,670 | 4,548 |
| Average equity | $9,068,000 | 5,011 |
| Average total loans | $59,266,000 | 4,572 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5913% | 5,194 |
| Cost of funding earning assets | 0.4791% | 3,119 |
| Net interest margin | 3.1122% | 5,209 |
| Noninterest income to average assets | 0.1581% | 6,022 |
| Noninterest expense to average assets | 1.6715% | 6,372 |
| Loan and lease loss provision to assets | 0.2259% | 986 |
| Net operating income to assets | 1.1181% | 1,738 |
| Return on assets (ROA) | 1.1181% | 1,802 |
| Pretax return on assets | 1.1219% | 2,804 |
| Return on Equity (ROE) | 13.1912% | 1,114 |
| Retained earnings to average equity (ytd only) | 3.2867% | 4,148 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3616% | 5,891 |
| Assets per employee ($millions) | 8.1826% | 443 |
| Cash dividends to net income (ytd only)* | 75.0842% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5744% | 2,812 |
| Loan loss allowance to noncurrent loans | 159.5960% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.5584% | 4,477 |
| Noncurrent loans to loans | 0.9865% | 3,449 |
| Net loans and leases to total assets | 55.7147% | 4,181 |
| Net loans and leases to deposits | 64.9426% | 4,214 |
| Net loans and leases to core deposits | 70.0933% | 4,082 |
| Total domestic deposits to total assets | 85.7907% | 3,476 |
| Equity capital to assets | 8.4993% | 5,655 |
| Core capital (leverage) ratio | 8.6368% | 5,482 |
| Tier 1 risk-based capital ratio | 13.9381% | 4,366 |
| Total risk-based capital ratio | 15.1909% | 4,313 |
| Memoranda: | ||
| Average total assets | $106,250,000 | 4,581 |
| Average earning assets | $97,681,000 | 4,579 |
| Average equity | $9,006,000 | 5,049 |
| Average total loans | $59,669,500 | 4,603 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8724% | 4,565 |
| Cost of funding earning assets | 0.5367% | 3,229 |
| Net interest margin | 3.3357% | 4,530 |
| Noninterest income to average assets | 0.1256% | 6,302 |
| Noninterest expense to average assets | 1.8011% | 6,316 |
| Loan and lease loss provision to assets | 0.2963% | 1,144 |
| Net operating income to assets | 1.0417% | 2,147 |
| Return on assets (ROA) | 1.0417% | 2,218 |
| Pretax return on assets | 1.0876% | 2,992 |
| Return on Equity (ROE) | 12.4862% | 1,280 |
| Retained earnings to average equity (ytd only) | 2.5400% | 4,444 |
| Net charge-offs to loans | 1.1553% | 466 |
| Credit loss provision to net charge-offs | 41.3613% | 4,015 |
| Earnings coverage of net charge-offs (x) | 1.9319% | 4,406 |
| Efficiency ratio | 56.5499% | 5,888 |
| Assets per employee ($millions) | 8.1635% | 437 |
| Cash dividends to net income (ytd only)* | 79.6580% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5019% | 3,183 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 54.8753% | 4,479 |
| Net loans and leases to deposits | 60.6099% | 4,880 |
| Net loans and leases to core deposits | 65.1472% | 4,764 |
| Total domestic deposits to total assets | 90.5386% | 785 |
| Equity capital to assets | 8.4532% | 5,632 |
| Core capital (leverage) ratio | 8.5379% | 5,622 |
| Tier 1 risk-based capital ratio | 13.6390% | 4,560 |
| Total risk-based capital ratio | 14.8902% | 4,504 |
| Memoranda: | ||
| Average total assets | $106,655,400 | 4,574 |
| Average earning assets | $97,820,600 | 4,572 |
| Average equity | $8,897,800 | 5,112 |
| Average total loans | $66,131,800 | 4,408 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 4,453 |
| Cost of funding earning assets | 0.5470% | 3,293 |
| Net interest margin | 3.3666% | 4,410 |
| Noninterest income to average assets | 0.1161% | 6,431 |
| Noninterest expense to average assets | 1.8653% | 6,233 |
| Loan and lease loss provision to assets | 0.2822% | 1,230 |
| Net operating income to assets | 1.0126% | 2,329 |
| Return on assets (ROA) | 1.0126% | 2,417 |
| Pretax return on assets | 1.0575% | 3,273 |
| Return on Equity (ROE) | 12.1776% | 1,427 |
| Retained earnings to average equity (ytd only) | 2.9431% | 4,562 |
| Net charge-offs to loans | 0.0020% | 5,179 |
| Credit loss provision to net charge-offs | 22,600.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 1,075.6617% | 39 |
| Efficiency ratio | 58.2002% | 5,661 |
| Assets per employee ($millions) | 8.0132% | 462 |
| Cash dividends to net income (ytd only)* | 75.8321% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4649% | 970 |
| Loan loss allowance to noncurrent loans | 173.8307% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.8620% | 3,960 |
| Noncurrent loans to loans | 1.4180% | 3,045 |
| Net loans and leases to total assets | 59.2933% | 3,810 |
| Net loans and leases to deposits | 65.5910% | 4,348 |
| Net loans and leases to core deposits | 71.0513% | 4,205 |
| Total domestic deposits to total assets | 90.3986% | 788 |
| Equity capital to assets | 8.5820% | 5,647 |
| Core capital (leverage) ratio | 8.6453% | 5,609 |
| Tier 1 risk-based capital ratio | 13.1926% | 4,986 |
| Total risk-based capital ratio | 14.4558% | 4,923 |
| Memoranda: | ||
| Average total assets | $106,787,750 | 4,621 |
| Average earning assets | $97,980,750 | 4,610 |
| Average equity | $8,879,500 | 5,170 |
| Average total loans | $67,883,500 | 4,376 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9282% | 4,363 |
| Cost of funding earning assets | 0.5450% | 3,464 |
| Net interest margin | 3.3832% | 4,254 |
| Noninterest income to average assets | 0.1115% | 6,489 |
| Noninterest expense to average assets | 1.8075% | 6,362 |
| Loan and lease loss provision to assets | 0.2415% | 1,543 |
| Net operating income to assets | 1.1239% | 1,841 |
| Return on assets (ROA) | 1.1239% | 1,961 |
| Pretax return on assets | 1.1759% | 2,782 |
| Return on Equity (ROE) | 13.6579% | 1,081 |
| Retained earnings to average equity (ytd only) | 3.1605% | 4,309 |
| Net charge-offs to loans | 0.0058% | 4,780 |
| Credit loss provision to net charge-offs | 6,500.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 381.5000% | 130 |
| Efficiency ratio | 56.0484% | 5,962 |
| Assets per employee ($millions) | 6.4538% | 924 |
| Cash dividends to net income (ytd only)* | 76.8595% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2137% | 1,396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 62.6267% | 3,174 |
| Net loans and leases to deposits | 69.3026% | 3,816 |
| Net loans and leases to core deposits | 75.8047% | 3,569 |
| Total domestic deposits to total assets | 90.3671% | 824 |
| Equity capital to assets | 8.6054% | 5,662 |
| Core capital (leverage) ratio | 8.3920% | 5,776 |
| Tier 1 risk-based capital ratio | 12.8384% | 5,268 |
| Total risk-based capital ratio | 14.0985% | 5,187 |
| Memoranda: | ||
| Average total assets | $107,659,670 | 4,619 |
| Average earning assets | $99,078,670 | 4,616 |
| Average equity | $8,859,330 | 5,210 |
| Average total loans | $69,402,000 | 4,329 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9098% | 4,434 |
| Cost of funding earning assets | 0.5438% | 3,638 |
| Net interest margin | 3.3660% | 4,250 |
| Noninterest income to average assets | 0.1019% | 6,569 |
| Noninterest expense to average assets | 1.6785% | 6,589 |
| Loan and lease loss provision to assets | 0.2367% | 1,538 |
| Net operating income to assets | 1.2197% | 1,480 |
| Return on assets (ROA) | 1.2197% | 1,586 |
| Pretax return on assets | 1.2744% | 2,314 |
| Return on Equity (ROE) | 15.1481% | 734 |
| Retained earnings to average equity (ytd only) | 8.9984% | 1,382 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6256% | 6,341 |
| Assets per employee ($millions) | 7.7963% | 531 |
| Cash dividends to net income (ytd only)* | 40.5970% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0049% | 2,030 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 62.7378% | 2,933 |
| Net loans and leases to deposits | 71.9606% | 3,183 |
| Net loans and leases to core deposits | 78.3239% | 3,014 |
| Total domestic deposits to total assets | 87.1835% | 2,848 |
| Equity capital to assets | 8.1953% | 6,252 |
| Core capital (leverage) ratio | 8.2170% | 5,921 |
| Tier 1 risk-based capital ratio | 12.1435% | 5,826 |
| Total risk-based capital ratio | 13.4009% | 5,779 |
| Memoranda: | ||
| Average total assets | $109,859,000 | 4,615 |
| Average earning assets | $100,772,500 | 4,602 |
| Average equity | $8,846,000 | 5,257 |
| Average total loans | $71,036,500 | 4,309 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2299% | 4,478 |
| Cost of funding earning assets | 0.7095% | 3,418 |
| Net interest margin | 3.5204% | 4,419 |
| Noninterest income to average assets | 0.0938% | 6,531 |
| Noninterest expense to average assets | 2.0488% | 6,239 |
| Loan and lease loss provision to assets | 0.2902% | 2,349 |
| Net operating income to assets | 1.0957% | 1,951 |
| Return on assets (ROA) | 1.2750% | 1,531 |
| Pretax return on assets | 1.3301% | 2,292 |
| Return on Equity (ROE) | 15.6528% | 714 |
| Retained earnings to average equity (ytd only) | 7.2564% | 1,448 |
| Net charge-offs to loans | 0.0072% | 5,851 |
| Credit loss provision to net charge-offs | 6,000.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 296.4000% | 132 |
| Efficiency ratio | 58.8333% | 5,719 |
| Assets per employee ($millions) | 7.8979% | 526 |
| Cash dividends to net income (ytd only)* | 53.6419% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8505% | 2,437 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 64.0852% | 2,882 |
| Net loans and leases to deposits | 71.8688% | 3,433 |
| Net loans and leases to core deposits | 78.0248% | 3,257 |
| Total domestic deposits to total assets | 89.1698% | 1,458 |
| Equity capital to assets | 7.9108% | 6,451 |
| Core capital (leverage) ratio | 8.3669% | 5,804 |
| Tier 1 risk-based capital ratio | 11.5413% | 6,069 |
| Total risk-based capital ratio | 12.7980% | 6,031 |
| Memoranda: | ||
| Average total assets | $103,376,000 | 4,754 |
| Average earning assets | $99,505,800 | 4,605 |
| Average equity | $8,420,200 | 5,385 |
| Average total loans | $69,098,000 | 4,383 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2741% | 4,561 |
| Cost of funding earning assets | 0.7429% | 3,406 |
| Net interest margin | 3.5312% | 4,521 |
| Noninterest income to average assets | 0.0866% | 6,667 |
| Noninterest expense to average assets | 2.1028% | 6,155 |
| Loan and lease loss provision to assets | 0.2953% | 2,227 |
| Net operating income to assets | 1.0799% | 2,169 |
| Return on assets (ROA) | 1.3231% | 1,521 |
| Pretax return on assets | 1.3795% | 2,307 |
| Return on Equity (ROE) | 16.1176% | 733 |
| Retained earnings to average equity (ytd only) | 6.8915% | 2,186 |
| Net charge-offs to loans | -0.0117% | 6,391 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6648% | 5,556 |
| Assets per employee ($millions) | 8.5390% | 391 |
| Cash dividends to net income (ytd only)* | 57.2416% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8473% | 2,654 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 65.9582% | 2,658 |
| Net loans and leases to deposits | 72.8070% | 3,473 |
| Net loans and leases to core deposits | 77.8515% | 3,481 |
| Total domestic deposits to total assets | 90.5932% | 564 |
| Equity capital to assets | 8.3626% | 6,375 |
| Core capital (leverage) ratio | 8.4245% | 5,866 |
| Tier 1 risk-based capital ratio | 12.3713% | 5,723 |
| Total risk-based capital ratio | 13.6281% | 5,688 |
| Memoranda: | ||
| Average total assets | $101,577,500 | 4,837 |
| Average earning assets | $98,886,750 | 4,667 |
| Average equity | $8,338,500 | 5,461 |
| Average total loans | $68,323,750 | 4,456 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3313% | 4,448 |
| Cost of funding earning assets | 0.7905% | 3,266 |
| Net interest margin | 3.5408% | 4,504 |
| Noninterest income to average assets | 0.1284% | 6,545 |
| Noninterest expense to average assets | 2.1268% | 6,182 |
| Loan and lease loss provision to assets | 0.2962% | 2,211 |
| Net operating income to assets | 1.1073% | 2,021 |
| Return on assets (ROA) | 1.4731% | 1,168 |
| Pretax return on assets | 1.5363% | 1,761 |
| Return on Equity (ROE) | 18.0593% | 501 |
| Retained earnings to average equity (ytd only) | 7.0204% | 2,088 |
| Net charge-offs to loans | -0.0147% | 6,365 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4371% | 5,669 |
| Assets per employee ($millions) | 7.7316% | 525 |
| Cash dividends to net income (ytd only)* | 61.1260% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6980% | 3,233 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 68.8880% | 2,123 |
| Net loans and leases to deposits | 76.0904% | 2,977 |
| Net loans and leases to core deposits | 81.2752% | 3,050 |
| Total domestic deposits to total assets | 90.5344% | 644 |
| Equity capital to assets | 8.3852% | 6,311 |
| Core capital (leverage) ratio | 8.2503% | 5,992 |
| Tier 1 risk-based capital ratio | 11.6125% | 6,162 |
| Total risk-based capital ratio | 12.8674% | 6,138 |
| Memoranda: | ||
| Average total assets | $101,280,670 | 4,874 |
| Average earning assets | $98,677,330 | 4,702 |
| Average equity | $8,261,670 | 5,494 |
| Average total loans | $68,145,670 | 4,483 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3127% | 4,687 |
| Cost of funding earning assets | 0.8553% | 3,023 |
| Net interest margin | 3.4575% | 4,884 |
| Noninterest income to average assets | 0.1259% | 6,621 |
| Noninterest expense to average assets | 2.0774% | 6,316 |
| Loan and lease loss provision to assets | 0.2754% | 2,260 |
| Net operating income to assets | 1.1213% | 1,984 |
| Return on assets (ROA) | 1.1213% | 2,170 |
| Pretax return on assets | 1.1449% | 3,138 |
| Return on Equity (ROE) | 13.9390% | 1,196 |
| Retained earnings to average equity (ytd only) | 3.9127% | 4,239 |
| Net charge-offs to loans | -0.0299% | 6,339 |
| Credit loss provision to net charge-offs | -1,400.0000% | 5,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3926% | 5,711 |
| Assets per employee ($millions) | 8.5937% | 379 |
| Cash dividends to net income (ytd only)* | 71.9298% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6834% | 3,415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 63.2045% | 3,004 |
| Net loans and leases to deposits | 69.4650% | 3,808 |
| Net loans and leases to core deposits | 74.3280% | 3,859 |
| Total domestic deposits to total assets | 90.9875% | 564 |
| Equity capital to assets | 7.9720% | 6,539 |
| Core capital (leverage) ratio | 8.1137% | 6,141 |
| Tier 1 risk-based capital ratio | 11.3474% | 6,361 |
| Total risk-based capital ratio | 12.6006% | 6,343 |
| Memoranda: | ||
| Average total assets | $101,665,500 | 4,898 |
| Average earning assets | $99,148,000 | 4,715 |
| Average equity | $8,178,500 | 5,538 |
| Average total loans | $67,000,500 | 4,548 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7158% | 4,183 |
| Cost of funding earning assets | 1.0690% | 2,890 |
| Net interest margin | 3.6468% | 4,535 |
| Noninterest income to average assets | 0.1575% | 6,359 |
| Noninterest expense to average assets | 2.0420% | 6,601 |
| Loan and lease loss provision to assets | 0.2341% | 3,864 |
| Net operating income to assets | 1.3567% | 1,124 |
| Return on assets (ROA) | 1.3567% | 1,213 |
| Pretax return on assets | 1.4099% | 1,749 |
| Return on Equity (ROE) | 16.2350% | 569 |
| Retained earnings to average equity (ytd only) | 5.1697% | 2,528 |
| Net charge-offs to loans | 0.2050% | 4,519 |
| Credit loss provision to net charge-offs | 164.1791% | 1,664 |
| Earnings coverage of net charge-offs (x) | 11.5299% | 1,711 |
| Efficiency ratio | 55.3984% | 6,378 |
| Assets per employee ($millions) | 8.3506% | 416 |
| Cash dividends to net income (ytd only)* | 68.1569% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5375% | 3,839 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 66.5273% | 2,682 |
| Net loans and leases to deposits | 73.2671% | 3,621 |
| Net loans and leases to core deposits | 78.0913% | 3,675 |
| Total domestic deposits to total assets | 90.8010% | 587 |
| Equity capital to assets | 8.1192% | 6,500 |
| Core capital (leverage) ratio | 8.3516% | 5,778 |
| Tier 1 risk-based capital ratio | 11.2679% | 6,309 |
| Total risk-based capital ratio | 12.5206% | 6,279 |
| Memoranda: | ||
| Average total assets | $93,976,600 | 5,074 |
| Average earning assets | $90,927,800 | 4,895 |
| Average equity | $7,853,400 | 5,615 |
| Average total loans | $65,356,400 | 4,658 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7889% | 4,066 |
| Cost of funding earning assets | 1.1074% | 2,929 |
| Net interest margin | 3.6815% | 4,424 |
| Noninterest income to average assets | 0.1573% | 6,472 |
| Noninterest expense to average assets | 2.0933% | 6,508 |
| Loan and lease loss provision to assets | 0.1875% | 4,155 |
| Net operating income to assets | 1.3734% | 1,213 |
| Return on assets (ROA) | 1.3734% | 1,296 |
| Pretax return on assets | 1.4254% | 1,865 |
| Return on Equity (ROE) | 16.3091% | 636 |
| Retained earnings to average equity (ytd only) | 2.7925% | 4,686 |
| Net charge-offs to loans | 0.1503% | 4,562 |
| Credit loss provision to net charge-offs | 178.0822% | 1,675 |
| Earnings coverage of net charge-offs (x) | 15.3152% | 1,476 |
| Efficiency ratio | 56.4811% | 6,215 |
| Assets per employee ($millions) | 7.8196% | 504 |
| Cash dividends to net income (ytd only)* | 82.8780% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5117% | 4,042 |
| Loan loss allowance to noncurrent loans | 1,581.2500% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 6,881 |
| Noncurrent loans to loans | 0.0956% | 6,692 |
| Net loans and leases to total assets | 70.2648% | 2,033 |
| Net loans and leases to deposits | 77.7017% | 3,046 |
| Net loans and leases to core deposits | 82.1288% | 3,308 |
| Total domestic deposits to total assets | 90.4289% | 666 |
| Equity capital to assets | 8.4169% | 6,379 |
| Core capital (leverage) ratio | 8.4418% | 5,786 |
| Tier 1 risk-based capital ratio | 11.0660% | 6,502 |
| Total risk-based capital ratio | 12.3188% | 6,484 |
| Memoranda: | ||
| Average total assets | $92,419,000 | 5,158 |
| Average earning assets | $89,093,000 | 4,989 |
| Average equity | $7,782,750 | 5,664 |
| Average total loans | $64,769,000 | 4,722 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7554% | 4,265 |
| Cost of funding earning assets | 1.1448% | 2,934 |
| Net interest margin | 3.6106% | 4,682 |
| Noninterest income to average assets | 0.1544% | 6,547 |
| Noninterest expense to average assets | 2.1164% | 6,560 |
| Loan and lease loss provision to assets | 0.1305% | 4,663 |
| Net operating income to assets | 1.3421% | 1,210 |
| Return on assets (ROA) | 1.3421% | 1,287 |
| Pretax return on assets | 1.3856% | 1,838 |
| Return on Equity (ROE) | 15.9342% | 681 |
| Retained earnings to average equity (ytd only) | 1.9111% | 5,025 |
| Net charge-offs to loans | 0.0625% | 5,022 |
| Credit loss provision to net charge-offs | 300.0000% | 1,005 |
| Earnings coverage of net charge-offs (x) | 34.8500% | 824 |
| Efficiency ratio | 58.2635% | 6,129 |
| Assets per employee ($millions) | 7.7566% | 499 |
| Cash dividends to net income (ytd only)* | 88.0065% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5469% | 3,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 68.0379% | 2,604 |
| Net loans and leases to deposits | 75.2153% | 3,612 |
| Net loans and leases to core deposits | 79.2921% | 3,884 |
| Total domestic deposits to total assets | 90.4576% | 731 |
| Equity capital to assets | 8.3746% | 6,336 |
| Core capital (leverage) ratio | 8.5103% | 5,539 |
| Tier 1 risk-based capital ratio | 11.1259% | 6,429 |
| Total risk-based capital ratio | 12.3784% | 6,426 |
| Memoranda: | ||
| Average total assets | $91,947,000 | 5,211 |
| Average earning assets | $88,573,000 | 5,034 |
| Average equity | $7,744,330 | 5,687 |
| Average total loans | $64,043,670 | 4,792 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7617% | 4,247 |
| Cost of funding earning assets | 1.2279% | 2,640 |
| Net interest margin | 3.5337% | 4,874 |
| Noninterest income to average assets | 0.1357% | 6,738 |
| Noninterest expense to average assets | 2.0223% | 6,795 |
| Loan and lease loss provision to assets | 0.1313% | 4,356 |
| Net operating income to assets | 1.3570% | 1,141 |
| Return on assets (ROA) | 1.3570% | 1,192 |
| Pretax return on assets | 1.3832% | 1,775 |
| Return on Equity (ROE) | 16.0643% | 667 |
| Retained earnings to average equity (ytd only) | 3.6274% | 4,003 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1782% | 6,363 |
| Assets per employee ($millions) | 8.2533% | 435 |
| Cash dividends to net income (ytd only)* | 77.4194% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5446% | 3,988 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 69.1571% | 2,295 |
| Net loans and leases to deposits | 76.6390% | 3,313 |
| Net loans and leases to core deposits | 81.1658% | 3,578 |
| Total domestic deposits to total assets | 90.2375% | 999 |
| Equity capital to assets | 8.5454% | 5,842 |
| Core capital (leverage) ratio | 8.6376% | 5,194 |
| Tier 1 risk-based capital ratio | 11.3381% | 6,221 |
| Total risk-based capital ratio | 12.5905% | 6,204 |
| Memoranda: | ||
| Average total assets | $91,381,000 | 5,256 |
| Average earning assets | $87,952,000 | 5,094 |
| Average equity | $7,719,000 | 5,703 |
| Average total loans | $63,903,500 | 4,843 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9611% | 4,740 |
| Cost of funding earning assets | 1.4738% | 2,798 |
| Net interest margin | 3.4873% | 5,295 |
| Noninterest income to average assets | 0.2089% | 6,305 |
| Noninterest expense to average assets | 2.1230% | 6,790 |
| Loan and lease loss provision to assets | 0.3939% | 3,753 |
| Net operating income to assets | 0.9918% | 2,065 |
| Return on assets (ROA) | 0.9918% | 2,171 |
| Pretax return on assets | 1.0591% | 2,740 |
| Return on Equity (ROE) | 10.8856% | 1,622 |
| Retained earnings to average equity (ytd only) | 2.6621% | 3,998 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3687% | 6,139 |
| Assets per employee ($millions) | 9.1976% | 310 |
| Cash dividends to net income (ytd only)* | 75.5448% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4913% | 4,060 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 68.5853% | 2,843 |
| Net loans and leases to deposits | 78.6843% | 3,395 |
| Net loans and leases to core deposits | 84.8059% | 3,482 |
| Total domestic deposits to total assets | 87.1651% | 2,731 |
| Equity capital to assets | 8.3500% | 6,076 |
| Core capital (leverage) ratio | 8.6824% | 5,052 |
| Tier 1 risk-based capital ratio | 11.1651% | 6,205 |
| Total risk-based capital ratio | 12.4168% | 6,178 |
| Memoranda: | ||
| Average total assets | $83,278,800 | 5,493 |
| Average earning assets | $80,406,000 | 5,331 |
| Average equity | $7,588,000 | 5,851 |
| Average total loans | $60,964,600 | 5,030 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0415% | 4,622 |
| Cost of funding earning assets | 1.5060% | 2,938 |
| Net interest margin | 3.5356% | 5,166 |
| Noninterest income to average assets | 0.1808% | 6,587 |
| Noninterest expense to average assets | 2.1634% | 6,704 |
| Loan and lease loss provision to assets | 0.4488% | 3,226 |
| Net operating income to assets | 0.9058% | 2,580 |
| Return on assets (ROA) | 0.9058% | 2,728 |
| Pretax return on assets | 0.9765% | 3,267 |
| Return on Equity (ROE) | 9.7112% | 2,243 |
| Retained earnings to average equity (ytd only) | 2.7671% | 4,496 |
| Net charge-offs to loans | 0.0177% | 6,428 |
| Credit loss provision to net charge-offs | 3,412.5000% | 85 |
| Earnings coverage of net charge-offs (x) | 108.3383% | 295 |
| Efficiency ratio | 60.2840% | 5,909 |
| Assets per employee ($millions) | 7.8800% | 532 |
| Cash dividends to net income (ytd only)* | 71.5062% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4339% | 4,292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 70.7383% | 2,552 |
| Net loans and leases to deposits | 81.8747% | 3,131 |
| Net loans and leases to core deposits | 88.1851% | 3,346 |
| Total domestic deposits to total assets | 86.3982% | 2,855 |
| Equity capital to assets | 8.8521% | 5,775 |
| Core capital (leverage) ratio | 8.9485% | 4,765 |
| Tier 1 risk-based capital ratio | 11.4424% | 5,981 |
| Total risk-based capital ratio | 12.6939% | 5,965 |
| Memoranda: | ||
| Average total assets | $81,104,500 | 5,633 |
| Average earning assets | $78,175,250 | 5,479 |
| Average equity | $7,565,000 | 5,922 |
| Average total loans | $60,196,500 | 5,140 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0171% | 4,866 |
| Cost of funding earning assets | 1.5203% | 3,131 |
| Net interest margin | 3.4967% | 5,259 |
| Noninterest income to average assets | 0.1514% | 6,806 |
| Noninterest expense to average assets | 2.1755% | 6,711 |
| Loan and lease loss provision to assets | 0.6385% | 2,249 |
| Net operating income to assets | 0.6284% | 3,738 |
| Return on assets (ROA) | 0.6284% | 3,878 |
| Pretax return on assets | 0.7041% | 4,221 |
| Return on Equity (ROE) | 6.6144% | 3,484 |
| Retained earnings to average equity (ytd only) | -1.0360% | 5,977 |
| Net charge-offs to loans | 0.0302% | 5,915 |
| Credit loss provision to net charge-offs | 2,811.1111% | 151 |
| Earnings coverage of net charge-offs (x) | 59.1111% | 520 |
| Efficiency ratio | 61.8364% | 5,719 |
| Assets per employee ($millions) | 7.6624% | 576 |
| Cash dividends to net income (ytd only)* | 115.6627% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 4,446 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 72.9504% | 2,181 |
| Net loans and leases to deposits | 84.5868% | 2,775 |
| Net loans and leases to core deposits | 89.9525% | 3,278 |
| Total domestic deposits to total assets | 86.2433% | 2,948 |
| Equity capital to assets | 8.8710% | 5,643 |
| Core capital (leverage) ratio | 9.1216% | 4,430 |
| Tier 1 risk-based capital ratio | 11.3766% | 5,884 |
| Total risk-based capital ratio | 12.6246% | 5,865 |
| Memoranda: | ||
| Average total assets | $79,246,000 | 5,720 |
| Average earning assets | $76,299,670 | 5,567 |
| Average equity | $7,529,000 | 5,959 |
| Average total loans | $59,526,000 | 5,200 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9418% | 5,263 |
| Cost of funding earning assets | 1.5310% | 3,369 |
| Net interest margin | 3.4108% | 5,538 |
| Noninterest income to average assets | 0.1616% | 6,817 |
| Noninterest expense to average assets | 2.1896% | 6,711 |
| Loan and lease loss provision to assets | 0.2085% | 4,416 |
| Net operating income to assets | 0.9280% | 2,434 |
| Return on assets (ROA) | 0.9280% | 2,500 |
| Pretax return on assets | 1.0270% | 2,981 |
| Return on Equity (ROE) | 9.4242% | 2,332 |
| Retained earnings to average equity (ytd only) | 3.6003% | 3,999 |
| Net charge-offs to loans | 0.0757% | 4,659 |
| Credit loss provision to net charge-offs | 363.6364% | 1,116 |
| Earnings coverage of net charge-offs (x) | 21.5455% | 1,123 |
| Efficiency ratio | 63.9269% | 5,508 |
| Assets per employee ($millions) | 6.0462% | 1,230 |
| Cash dividends to net income (ytd only)* | 61.7978% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 5,970 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 74.4851% | 1,860 |
| Net loans and leases to deposits | 87.5075% | 2,312 |
| Net loans and leases to core deposits | 93.2484% | 2,942 |
| Total domestic deposits to total assets | 85.1185% | 3,603 |
| Equity capital to assets | 9.6564% | 4,297 |
| Core capital (leverage) ratio | 10.0933% | 3,048 |
| Tier 1 risk-based capital ratio | 12.4503% | 4,793 |
| Total risk-based capital ratio | 13.5275% | 4,889 |
| Memoranda: | ||
| Average total assets | $76,726,000 | 5,856 |
| Average earning assets | $73,414,500 | 5,726 |
| Average equity | $7,555,000 | 5,993 |
| Average total loans | $58,110,000 | 5,334 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2901% | 5,227 |
| Cost of funding earning assets | 1.9966% | 2,976 |
| Net interest margin | 3.2935% | 5,773 |
| Noninterest income to average assets | 0.1739% | 6,833 |
| Noninterest expense to average assets | 2.3265% | 6,670 |
| Loan and lease loss provision to assets | 0.1232% | 6,407 |
| Net operating income to assets | 0.8996% | 2,178 |
| Return on assets (ROA) | 0.8996% | 2,247 |
| Pretax return on assets | 0.8818% | 2,983 |
| Return on Equity (ROE) | 8.8784% | 2,065 |
| Retained earnings to average equity (ytd only) | 3.0000% | 3,065 |
| Net charge-offs to loans | 0.2489% | 5,067 |
| Credit loss provision to net charge-offs | 62.0690% | 6,618 |
| Earnings coverage of net charge-offs (x) | 5.0621% | 2,698 |
| Efficiency ratio | 69.8315% | 4,662 |
| Assets per employee ($millions) | 5.3465% | 1,792 |
| Cash dividends to net income (ytd only)* | 66.2100% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 5,902 |
| Loan loss allowance to noncurrent loans | 5,225.0000% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 7,485 |
| Noncurrent loans to loans | 0.0210% | 7,386 |
| Net loans and leases to total assets | 75.3377% | 1,955 |
| Net loans and leases to deposits | 89.2828% | 2,342 |
| Net loans and leases to core deposits | 134.2867% | 1,038 |
| Total domestic deposits to total assets | 84.3810% | 3,851 |
| Equity capital to assets | 10.0466% | 3,696 |
| Core capital (leverage) ratio | 10.0806% | 3,012 |
| Tier 1 risk-based capital ratio | 12.7252% | 4,347 |
| Total risk-based capital ratio | 13.7871% | 4,434 |
| Memoranda: | ||
| Average total assets | $73,029,600 | 5,912 |
| Average earning assets | $70,017,400 | 5,811 |
| Average equity | $7,400,000 | 6,129 |
| Average total loans | $58,262,800 | 5,327 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2916% | 5,472 |
| Cost of funding earning assets | 2.0712% | 3,028 |
| Net interest margin | 3.2204% | 5,945 |
| Noninterest income to average assets | 0.1929% | 6,837 |
| Noninterest expense to average assets | 2.2891% | 6,733 |
| Loan and lease loss provision to assets | 0.0551% | 6,818 |
| Net operating income to assets | 0.9884% | 2,100 |
| Return on assets (ROA) | 0.9884% | 2,162 |
| Pretax return on assets | 0.9480% | 3,064 |
| Return on Equity (ROE) | 9.7330% | 2,018 |
| Retained earnings to average equity (ytd only) | 3.4011% | 3,398 |
| Net charge-offs to loans | 0.1002% | 5,667 |
| Credit loss provision to net charge-offs | 68.1818% | 6,017 |
| Earnings coverage of net charge-offs (x) | 12.4080% | 1,764 |
| Efficiency ratio | 69.5313% | 4,688 |
| Assets per employee ($millions) | 6.3111% | 1,069 |
| Cash dividends to net income (ytd only)* | 65.0560% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 5,449 |
| Loan loss allowance to noncurrent loans | 661.3861% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.1334% | 7,210 |
| Noncurrent loans to loans | 0.1729% | 7,061 |
| Net loans and leases to total assets | 76.2481% | 1,943 |
| Net loans and leases to deposits | 90.0788% | 2,566 |
| Net loans and leases to core deposits | 134.7231% | 1,166 |
| Total domestic deposits to total assets | 84.6461% | 3,406 |
| Equity capital to assets | 9.8900% | 4,227 |
| Core capital (leverage) ratio | 10.0399% | 3,241 |
| Tier 1 risk-based capital ratio | 12.4569% | 4,580 |
| Total risk-based capital ratio | 13.5692% | 4,634 |
| Memoranda: | ||
| Average total assets | $72,574,250 | 5,964 |
| Average earning assets | $69,845,000 | 5,850 |
| Average equity | $7,370,000 | 6,195 |
| Average total loans | $58,574,000 | 5,355 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3272% | 5,519 |
| Cost of funding earning assets | 2.1291% | 3,134 |
| Net interest margin | 3.1981% | 5,921 |
| Noninterest income to average assets | 0.2181% | 6,742 |
| Noninterest expense to average assets | 2.3322% | 6,669 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0458% | 1,952 |
| Return on assets (ROA) | 1.0458% | 2,026 |
| Pretax return on assets | 0.9647% | 3,132 |
| Return on Equity (ROE) | 10.2046% | 1,944 |
| Retained earnings to average equity (ytd only) | 2.1555% | 4,150 |
| Net charge-offs to loans | 0.0955% | 5,222 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 12.3214% | 1,827 |
| Efficiency ratio | 70.7379% | 4,633 |
| Assets per employee ($millions) | 6.0773% | 1,174 |
| Cash dividends to net income (ytd only)* | 78.8770% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 5,396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 78.5662% | 1,625 |
| Net loans and leases to deposits | 93.3661% | 2,197 |
| Net loans and leases to core deposits | 139.0680% | 1,052 |
| Total domestic deposits to total assets | 84.1485% | 3,679 |
| Equity capital to assets | 10.1197% | 3,796 |
| Core capital (leverage) ratio | 10.0168% | 3,282 |
| Tier 1 risk-based capital ratio | 12.2552% | 4,716 |
| Total risk-based capital ratio | 13.3424% | 4,760 |
| Memoranda: | ||
| Average total assets | $71,521,330 | 6,043 |
| Average earning assets | $68,854,000 | 5,926 |
| Average equity | $7,330,000 | 6,252 |
| Average total loans | $58,627,670 | 5,395 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2883% | 5,943 |
| Cost of funding earning assets | 2.1153% | 3,578 |
| Net interest margin | 3.1730% | 5,946 |
| Noninterest income to average assets | 0.1751% | 7,056 |
| Noninterest expense to average assets | 2.2932% | 6,565 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1240% | 1,882 |
| Return on assets (ROA) | 1.1240% | 2,007 |
| Pretax return on assets | 0.9658% | 3,481 |
| Return on Equity (ROE) | 10.8966% | 2,000 |
| Retained earnings to average equity (ytd only) | 2.1355% | 4,680 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3640% | 4,501 |
| Assets per employee ($millions) | 6.4319% | 994 |
| Cash dividends to net income (ytd only)* | 80.4020% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 5,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 75.1305% | 2,472 |
| Net loans and leases to deposits | 88.2873% | 3,239 |
| Net loans and leases to core deposits | 123.9431% | 2,085 |
| Total domestic deposits to total assets | 85.0978% | 3,147 |
| Equity capital to assets | 9.4982% | 4,666 |
| Core capital (leverage) ratio | 10.6682% | 2,768 |
| Tier 1 risk-based capital ratio | 12.0928% | 4,880 |
| Total risk-based capital ratio | 13.2178% | 4,887 |
| Memoranda: | ||
| Average total assets | $70,818,500 | 6,100 |
| Average earning assets | $68,831,500 | 5,952 |
| Average equity | $7,305,000 | 6,295 |
| Average total loans | $58,966,500 | 5,405 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6132% | 2,426 |
| Cost of funding earning assets | 2.9940% | 1,888 |
| Net interest margin | 3.6192% | 4,793 |
| Noninterest income to average assets | 1.6400% | 515 |
| Noninterest expense to average assets | 2.8047% | 4,796 |
| Loan and lease loss provision to assets | 0.0107% | 7,236 |
| Net operating income to assets | 2.0996% | 292 |
| Return on assets (ROA) | 2.0496% | 299 |
| Pretax return on assets | 2.2571% | 349 |
| Return on Equity (ROE) | 20.4679% | 341 |
| Retained earnings to average equity (ytd only) | 4.6257% | 2,248 |
| Net charge-offs to loans | 0.0874% | 5,493 |
| Credit loss provision to net charge-offs | 14.0351% | 6,602 |
| Earnings coverage of net charge-offs (x) | 30.4386% | 1,162 |
| Efficiency ratio | 54.6997% | 7,187 |
| Assets per employee ($millions) | 5.3712% | 1,557 |
| Cash dividends to net income (ytd only)* | 77.4004% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1508% | 4,912 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 90.8881% | 136 |
| Net loans and leases to deposits | 111.5871% | 731 |
| Net loans and leases to core deposits | 160.4959% | 568 |
| Total domestic deposits to total assets | 81.4503% | 4,434 |
| Equity capital to assets | 11.2933% | 2,810 |
| Core capital (leverage) ratio | 11.1142% | 2,498 |
| Tier 1 risk-based capital ratio | 11.9672% | 4,848 |
| Total risk-based capital ratio | 13.0865% | 4,856 |
| Memoranda: | ||
| Average total assets | $74,696,600 | 5,887 |
| Average earning assets | $71,977,600 | 5,738 |
| Average equity | $7,480,000 | 6,283 |
| Average total loans | $65,252,800 | 5,050 |