Home > Bank of Stronghurst > Performance and Condition Ratios
Bank of Stronghurst, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6817% | 4,286 |
| Cost of funding earning assets | 1.0574% | 3,176 |
| Net interest margin | 2.6243% | 3,937 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 2.3168% | 2,805 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.2468% | 4,103 |
| Return on assets (ROA) | 0.2468% | 4,110 |
| Pretax return on assets | 0.2204% | 4,176 |
| Return on Equity (ROE) | 3.0000% | 4,023 |
| Retained earnings to average equity (ytd only) | 1.4788% | 3,715 |
| 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 | 89.1343% | 440 |
| Assets per employee ($millions) | 4.7826% | 3,787 |
| Cash dividends to net income (ytd only)* | 50.6977% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 2,002 |
| Loan loss allowance to noncurrent loans | 186.8217% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 1,683 |
| Noncurrent loans to loans | 0.6703% | 1,169 |
| Net loans and leases to total assets | 44.1500% | 3,897 |
| Net loans and leases to deposits | 51.1919% | 3,904 |
| Net loans and leases to core deposits | 54.9270% | 3,945 |
| Total domestic deposits to total assets | 86.2500% | 1,929 |
| Equity capital to assets | 9.1873% | 2,554 |
| Core capital (leverage) ratio | 13.5408% | 901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $87,102,600 | 3,949 |
| Average earning assets | $83,032,400 | 3,898 |
| Average equity | $7,168,200 | 4,025 |
| Average total loans | $37,436,000 | 4,035 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6484% | 4,262 |
| Cost of funding earning assets | 0.9470% | 3,163 |
| Net interest margin | 2.7015% | 3,878 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 2.2940% | 2,813 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.2839% | 4,131 |
| Return on assets (ROA) | 0.2839% | 4,135 |
| Pretax return on assets | 0.2854% | 4,181 |
| Return on Equity (ROE) | 3.5500% | 4,038 |
| Retained earnings to average equity (ytd only) | 3.5514% | 3,373 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 86.1812% | 507 |
| Assets per employee ($millions) | 5.0834% | 3,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 2,145 |
| Loan loss allowance to noncurrent loans | 148.3077% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.3923% | 1,473 |
| Noncurrent loans to loans | 0.8386% | 984 |
| Net loans and leases to total assets | 44.2900% | 3,903 |
| Net loans and leases to deposits | 50.4130% | 3,918 |
| Net loans and leases to core deposits | 54.0107% | 3,927 |
| Total domestic deposits to total assets | 87.8500% | 1,628 |
| Equity capital to assets | 7.4036% | 3,412 |
| Core capital (leverage) ratio | 13.3996% | 972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $87,356,750 | 3,956 |
| Average earning assets | $83,211,750 | 3,912 |
| Average equity | $6,983,000 | 4,050 |
| Average total loans | $37,172,000 | 4,050 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5605% | 4,293 |
| Cost of funding earning assets | 0.8172% | 3,160 |
| Net interest margin | 2.7433% | 3,919 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 2.2630% | 2,905 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.3536% | 4,084 |
| Return on assets (ROA) | 0.3536% | 4,106 |
| Pretax return on assets | 0.3627% | 4,166 |
| Return on Equity (ROE) | 4.3200% | 3,983 |
| Retained earnings to average equity (ytd only) | 4.3188% | 3,126 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.5720% | 618 |
| Assets per employee ($millions) | 4.9156% | 3,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1941% | 2,475 |
| Loan loss allowance to noncurrent loans | 190.1639% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.2916% | 1,754 |
| Noncurrent loans to loans | 0.6279% | 1,192 |
| Net loans and leases to total assets | 43.3900% | 3,905 |
| Net loans and leases to deposits | 47.2641% | 4,009 |
| Net loans and leases to core deposits | 51.3172% | 3,975 |
| Total domestic deposits to total assets | 91.8100% | 453 |
| Equity capital to assets | 8.0368% | 3,186 |
| Core capital (leverage) ratio | 13.3001% | 939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $87,669,667 | 3,968 |
| Average earning assets | $83,696,000 | 3,919 |
| Average equity | $7,178,000 | 4,053 |
| Average total loans | $36,644,667 | 4,065 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4926% | 4,278 |
| Cost of funding earning assets | 0.6669% | 3,167 |
| Net interest margin | 2.8258% | 3,913 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 2.2277% | 3,020 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5042% | 3,887 |
| Return on assets (ROA) | 0.5042% | 3,850 |
| Pretax return on assets | 0.5501% | 3,921 |
| Return on Equity (ROE) | 6.1000% | 3,696 |
| Retained earnings to average equity (ytd only) | 6.1014% | 2,735 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.1980% | 815 |
| Assets per employee ($millions) | 5.8022% | 2,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 2,728 |
| Loan loss allowance to noncurrent loans | 191.0714% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.2735% | 1,773 |
| Noncurrent loans to loans | 0.6108% | 1,224 |
| Net loans and leases to total assets | 41.6500% | 3,968 |
| Net loans and leases to deposits | 45.6533% | 4,050 |
| Net loans and leases to core deposits | 49.6133% | 4,003 |
| Total domestic deposits to total assets | 91.2200% | 728 |
| Equity capital to assets | 8.3784% | 2,984 |
| Core capital (leverage) ratio | 13.1758% | 922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $87,264,500 | 4,027 |
| Average earning assets | $83,375,500 | 3,975 |
| Average equity | $7,211,500 | 4,094 |
| Average total loans | $35,537,500 | 4,144 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0678% | 4,051 |
| Cost of funding earning assets | 0.3991% | 2,119 |
| Net interest margin | 2.6687% | 4,093 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 2.2293% | 2,947 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.3738% | 4,280 |
| Return on assets (ROA) | 0.3562% | 4,266 |
| Pretax return on assets | 0.3676% | 4,316 |
| Return on Equity (ROE) | 3.6200% | 4,221 |
| Retained earnings to average equity (ytd only) | 2.3621% | 3,899 |
| Net charge-offs to loans | -0.0121% | 3,890 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 83.6170% | 506 |
| Assets per employee ($millions) | 5.4685% | 3,251 |
| Cash dividends to net income (ytd only)* | 34.7134% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0581% | 3,087 |
| Loan loss allowance to noncurrent loans | 198.9071% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.2252% | 2,027 |
| Noncurrent loans to loans | 0.5320% | 1,383 |
| Net loans and leases to total assets | 38.9000% | 4,104 |
| Net loans and leases to deposits | 42.4608% | 4,160 |
| Net loans and leases to core deposits | 47.1864% | 4,084 |
| Total domestic deposits to total assets | 91.6200% | 742 |
| Equity capital to assets | 8.1501% | 2,966 |
| Core capital (leverage) ratio | 13.1306% | 906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $88,143,000 | 4,035 |
| Average earning assets | $84,686,800 | 3,984 |
| Average equity | $8,678,800 | 4,026 |
| Average total loans | $33,073,000 | 4,188 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9699% | 3,938 |
| Cost of funding earning assets | 0.3561% | 1,653 |
| Net interest margin | 2.6138% | 4,080 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 2.2271% | 2,855 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.3562% | 4,313 |
| Return on assets (ROA) | 0.3518% | 4,270 |
| Pretax return on assets | 0.3578% | 4,324 |
| Return on Equity (ROE) | 3.4300% | 4,241 |
| Retained earnings to average equity (ytd only) | 3.4267% | 3,657 |
| Net charge-offs to loans | -0.0163% | 3,908 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 84.9165% | 499 |
| Assets per employee ($millions) | 4.6381% | 3,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9641% | 3,640 |
| Loan loss allowance to noncurrent loans | 179.4737% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.2315% | 2,072 |
| Noncurrent loans to loans | 0.5372% | 1,464 |
| Net loans and leases to total assets | 39.7500% | 4,079 |
| Net loans and leases to deposits | 43.8394% | 4,122 |
| Net loans and leases to core deposits | 48.7326% | 4,011 |
| Total domestic deposits to total assets | 90.6700% | 1,376 |
| Equity capital to assets | 7.3125% | 3,331 |
| Core capital (leverage) ratio | 13.0798% | 881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $88,304,750 | 4,062 |
| Average earning assets | $84,983,000 | 4,008 |
| Average equity | $9,065,750 | 4,029 |
| Average total loans | $32,741,000 | 4,218 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8400% | 3,915 |
| Cost of funding earning assets | 0.3145% | 1,579 |
| Net interest margin | 2.5255% | 4,045 |
| Noninterest income to average assets | 0.1041% | 4,467 |
| Noninterest expense to average assets | 2.2000% | 2,860 |
| Loan and lease loss provision to assets | 0.0362% | 1,937 |
| Net operating income to assets | 0.3169% | 4,260 |
| Return on assets (ROA) | 0.3169% | 4,208 |
| Pretax return on assets | 0.3033% | 4,294 |
| Return on Equity (ROE) | 2.8170% | 4,240 |
| Retained earnings to average equity (ytd only) | 2.8170% | 3,505 |
| Net charge-offs to loans | -0.0126% | 3,676 |
| Credit loss provision to net charge-offs | -800.0000% | 3,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6310% | 557 |
| Assets per employee ($millions) | 4.7061% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0155% | 3,534 |
| Loan loss allowance to noncurrent loans | 504.5455% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 3,095 |
| Noncurrent loans to loans | 0.2013% | 2,705 |
| Net loans and leases to total assets | 36.3026% | 4,235 |
| Net loans and leases to deposits | 39.4871% | 4,285 |
| Net loans and leases to core deposits | 41.5174% | 4,280 |
| Total domestic deposits to total assets | 91.9354% | 857 |
| Equity capital to assets | 8.0311% | 3,099 |
| Core capital (leverage) ratio | 13.1494% | 780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,365,333 | 4,094 |
| Average earning assets | $85,211,000 | 4,058 |
| Average equity | $9,939,667 | 3,999 |
| Average total loans | $31,864,667 | 4,286 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7374% | 3,869 |
| Cost of funding earning assets | 0.3198% | 1,465 |
| Net interest margin | 2.4176% | 4,038 |
| Noninterest income to average assets | 0.1002% | 4,506 |
| Noninterest expense to average assets | 2.1949% | 2,852 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2914% | 4,164 |
| Return on assets (ROA) | 0.2914% | 4,138 |
| Pretax return on assets | 0.2459% | 4,275 |
| Return on Equity (ROE) | 2.2617% | 4,223 |
| Retained earnings to average equity (ytd only) | 2.2617% | 3,477 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9254% | 550 |
| Assets per employee ($millions) | 4.7283% | 3,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9852% | 3,787 |
| Loan loss allowance to noncurrent loans | 5,250.0000% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 3,823 |
| Noncurrent loans to loans | 0.0188% | 3,859 |
| Net loans and leases to total assets | 35.2383% | 4,251 |
| Net loans and leases to deposits | 39.6650% | 4,259 |
| Net loans and leases to core deposits | 41.5746% | 4,257 |
| Total domestic deposits to total assets | 88.8398% | 2,155 |
| Equity capital to assets | 11.1123% | 1,280 |
| Core capital (leverage) ratio | 13.5469% | 663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,840,500 | 4,124 |
| Average earning assets | $85,044,500 | 4,074 |
| Average equity | $11,319,000 | 3,925 |
| Average total loans | $31,400,500 | 4,302 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8087% | 4,192 |
| Cost of funding earning assets | 0.4187% | 1,402 |
| Net interest margin | 2.3900% | 4,334 |
| Noninterest income to average assets | 0.1026% | 4,595 |
| Noninterest expense to average assets | 2.1006% | 3,390 |
| Loan and lease loss provision to assets | 0.0265% | 2,531 |
| Net operating income to assets | 0.2815% | 4,448 |
| Return on assets (ROA) | 0.4125% | 4,292 |
| Pretax return on assets | 0.4367% | 4,351 |
| Return on Equity (ROE) | 2.7414% | 4,405 |
| Retained earnings to average equity (ytd only) | 1.6157% | 4,088 |
| Net charge-offs to loans | 0.1227% | 737 |
| Credit loss provision to net charge-offs | 63.8889% | 2,046 |
| Earnings coverage of net charge-offs (x) | 7.8056% | 2,328 |
| Efficiency ratio | 86.6445% | 434 |
| Assets per employee ($millions) | 4.5181% | 4,101 |
| Cash dividends to net income (ytd only)* | 41.0615% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0218% | 3,653 |
| Loan loss allowance to noncurrent loans | 533.8983% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 3,346 |
| Noncurrent loans to loans | 0.1914% | 2,988 |
| Net loans and leases to total assets | 35.5459% | 4,309 |
| Net loans and leases to deposits | 41.8034% | 4,282 |
| Net loans and leases to core deposits | 43.1177% | 4,297 |
| Total domestic deposits to total assets | 85.0310% | 3,258 |
| Equity capital to assets | 14.7419% | 534 |
| Core capital (leverage) ratio | 13.9561% | 626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,783,000 | 4,137 |
| Average earning assets | $84,308,400 | 4,076 |
| Average equity | $13,059,000 | 3,826 |
| Average total loans | $29,340,400 | 4,390 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8325% | 4,256 |
| Cost of funding earning assets | 0.4387% | 1,430 |
| Net interest margin | 2.3938% | 4,402 |
| Noninterest income to average assets | 0.0965% | 4,682 |
| Noninterest expense to average assets | 2.0792% | 3,421 |
| Loan and lease loss provision to assets | 0.0356% | 2,290 |
| Net operating income to assets | 0.3064% | 4,511 |
| Return on assets (ROA) | 0.4719% | 4,293 |
| Pretax return on assets | 0.4719% | 4,403 |
| Return on Equity (ROE) | 3.1205% | 4,447 |
| Retained earnings to average equity (ytd only) | 2.7254% | 3,993 |
| Net charge-offs to loans | 0.1657% | 511 |
| Credit loss provision to net charge-offs | 63.8889% | 1,784 |
| Earnings coverage of net charge-offs (x) | 6.1944% | 2,188 |
| Efficiency ratio | 85.8861% | 437 |
| Assets per employee ($millions) | 4.6686% | 3,992 |
| Cash dividends to net income (ytd only)* | 12.6623% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0154% | 3,791 |
| Loan loss allowance to noncurrent loans | 2,423.0769% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 3,962 |
| Noncurrent loans to loans | 0.0419% | 3,907 |
| Net loans and leases to total assets | 34.6174% | 4,443 |
| Net loans and leases to deposits | 42.3942% | 4,371 |
| Net loans and leases to core deposits | 43.7353% | 4,393 |
| Total domestic deposits to total assets | 81.6558% | 3,985 |
| Equity capital to assets | 14.9058% | 553 |
| Core capital (leverage) ratio | 13.9772% | 646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,017,750 | 4,178 |
| Average earning assets | $84,493,500 | 4,126 |
| Average equity | $13,160,000 | 3,867 |
| Average total loans | $28,968,250 | 4,454 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7957% | 4,345 |
| Cost of funding earning assets | 0.4552% | 1,486 |
| Net interest margin | 2.3405% | 4,474 |
| Noninterest income to average assets | 0.0925% | 4,717 |
| Noninterest expense to average assets | 2.0727% | 3,474 |
| Loan and lease loss provision to assets | 0.0532% | 1,973 |
| Net operating income to assets | 0.2361% | 4,598 |
| Return on assets (ROA) | 0.4835% | 4,292 |
| Pretax return on assets | 0.4881% | 4,403 |
| Return on Equity (ROE) | 3.1813% | 4,446 |
| Retained earnings to average equity (ytd only) | 3.1813% | 3,786 |
| Net charge-offs to loans | 0.2616% | 338 |
| Credit loss provision to net charge-offs | 62.1622% | 1,549 |
| Earnings coverage of net charge-offs (x) | 3.4054% | 2,074 |
| Efficiency ratio | 87.6712% | 411 |
| Assets per employee ($millions) | 4.7331% | 3,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 3,647 |
| Loan loss allowance to noncurrent loans | 981.2500% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 3,907 |
| Noncurrent loans to loans | 0.1066% | 3,655 |
| Net loans and leases to total assets | 33.0197% | 4,563 |
| Net loans and leases to deposits | 38.7034% | 4,557 |
| Net loans and leases to core deposits | 39.8534% | 4,584 |
| Total domestic deposits to total assets | 85.3149% | 2,982 |
| Equity capital to assets | 14.5127% | 613 |
| Core capital (leverage) ratio | 13.9572% | 634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,455,667 | 4,212 |
| Average earning assets | $83,914,667 | 4,156 |
| Average equity | $13,139,333 | 3,880 |
| Average total loans | $28,283,667 | 4,499 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6227% | 4,554 |
| Cost of funding earning assets | 0.4671% | 1,608 |
| Net interest margin | 2.1555% | 4,649 |
| Noninterest income to average assets | 0.2172% | 4,093 |
| Noninterest expense to average assets | 2.1294% | 3,330 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1679% | 4,662 |
| Return on assets (ROA) | 0.6421% | 3,899 |
| Pretax return on assets | 0.6893% | 4,040 |
| Return on Equity (ROE) | 4.1264% | 4,261 |
| Retained earnings to average equity (ytd only) | 4.1264% | 3,469 |
| Net charge-offs to loans | -0.0146% | 3,843 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2290% | 323 |
| Assets per employee ($millions) | 4.5489% | 4,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 3,067 |
| Loan loss allowance to noncurrent loans | 342.7083% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.1273% | 3,540 |
| Noncurrent loans to loans | 0.3427% | 2,870 |
| Net loans and leases to total assets | 32.0294% | 4,632 |
| Net loans and leases to deposits | 37.7523% | 4,633 |
| Net loans and leases to core deposits | 38.7739% | 4,651 |
| Total domestic deposits to total assets | 84.8409% | 3,170 |
| Equity capital to assets | 14.7009% | 545 |
| Core capital (leverage) ratio | 14.4547% | 569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,719,500 | 4,247 |
| Average earning assets | $82,206,500 | 4,189 |
| Average equity | $13,183,500 | 3,884 |
| Average total loans | $27,421,500 | 4,546 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9791% | 4,648 |
| Cost of funding earning assets | 0.5974% | 2,332 |
| Net interest margin | 2.3817% | 4,665 |
| Noninterest income to average assets | 0.1223% | 4,661 |
| Noninterest expense to average assets | 2.1353% | 3,857 |
| Loan and lease loss provision to assets | 0.0140% | 4,198 |
| Net operating income to assets | 0.2790% | 4,465 |
| Return on assets (ROA) | 0.4141% | 4,298 |
| Pretax return on assets | 0.4090% | 4,405 |
| Return on Equity (ROE) | 2.4300% | 4,499 |
| Retained earnings to average equity (ytd only) | 1.5403% | 4,017 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1178% | 443 |
| Assets per employee ($millions) | 4.6116% | 3,797 |
| Cash dividends to net income (ytd only)* | 36.6154% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 2,831 |
| Loan loss allowance to noncurrent loans | 431.5789% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.1084% | 3,755 |
| Noncurrent loans to loans | 0.2833% | 3,188 |
| Net loans and leases to total assets | 31.9279% | 4,707 |
| Net loans and leases to deposits | 38.4486% | 4,692 |
| Net loans and leases to core deposits | 39.7340% | 4,703 |
| Total domestic deposits to total assets | 83.0404% | 3,400 |
| Equity capital to assets | 16.4573% | 385 |
| Core capital (leverage) ratio | 15.2036% | 478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,489,800 | 4,259 |
| Average earning assets | $75,828,000 | 4,213 |
| Average equity | $13,374,400 | 3,827 |
| Average total loans | $27,307,600 | 4,571 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0448% | 4,705 |
| Cost of funding earning assets | 0.6250% | 2,455 |
| Net interest margin | 2.4198% | 4,713 |
| Noninterest income to average assets | 0.1258% | 4,665 |
| Noninterest expense to average assets | 2.1371% | 3,858 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3106% | 4,428 |
| Return on assets (ROA) | 0.4860% | 4,149 |
| Pretax return on assets | 0.5067% | 4,267 |
| Return on Equity (ROE) | 2.8264% | 4,421 |
| Retained earnings to average equity (ytd only) | 2.8264% | 3,589 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8347% | 465 |
| Assets per employee ($millions) | 4.4624% | 3,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 2,937 |
| Loan loss allowance to noncurrent loans | 587.0370% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.0847% | 4,009 |
| Noncurrent loans to loans | 0.1960% | 3,607 |
| Net loans and leases to total assets | 33.9089% | 4,744 |
| Net loans and leases to deposits | 41.0177% | 4,725 |
| Net loans and leases to core deposits | 42.4378% | 4,737 |
| Total domestic deposits to total assets | 82.6689% | 3,231 |
| Equity capital to assets | 16.9713% | 378 |
| Core capital (leverage) ratio | 15.8333% | 433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,360,000 | 4,283 |
| Average earning assets | $74,659,750 | 4,237 |
| Average equity | $13,302,750 | 3,840 |
| Average total loans | $27,426,750 | 4,596 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1279% | 4,774 |
| Cost of funding earning assets | 0.6559% | 2,657 |
| Net interest margin | 2.4720% | 4,751 |
| Noninterest income to average assets | 0.1100% | 4,741 |
| Noninterest expense to average assets | 2.1107% | 4,004 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3549% | 4,323 |
| Return on assets (ROA) | 0.6076% | 3,792 |
| Pretax return on assets | 0.6652% | 3,940 |
| Return on Equity (ROE) | 3.5170% | 4,240 |
| Retained earnings to average equity (ytd only) | 3.5170% | 3,169 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4864% | 609 |
| Assets per employee ($millions) | 4.4394% | 3,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 2,807 |
| Loan loss allowance to noncurrent loans | 960.6061% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 4,237 |
| Noncurrent loans to loans | 0.1192% | 3,973 |
| Net loans and leases to total assets | 34.2623% | 4,775 |
| Net loans and leases to deposits | 41.7229% | 4,754 |
| Net loans and leases to core deposits | 43.1784% | 4,769 |
| Total domestic deposits to total assets | 82.1186% | 3,334 |
| Equity capital to assets | 17.5397% | 331 |
| Core capital (leverage) ratio | 16.8763% | 362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,372,000 | 4,303 |
| Average earning assets | $73,786,667 | 4,251 |
| Average equity | $13,193,000 | 3,853 |
| Average total loans | $27,384,333 | 4,612 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2678% | 4,833 |
| Cost of funding earning assets | 0.6947% | 2,958 |
| Net interest margin | 2.5731% | 4,775 |
| Noninterest income to average assets | 0.1448% | 4,642 |
| Noninterest expense to average assets | 2.0857% | 4,245 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4656% | 3,983 |
| Return on assets (ROA) | 0.9544% | 2,437 |
| Pretax return on assets | 1.1099% | 2,482 |
| Return on Equity (ROE) | 5.5706% | 3,460 |
| Retained earnings to average equity (ytd only) | 5.5706% | 2,042 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3878% | 1,202 |
| Assets per employee ($millions) | 4.1748% | 3,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 2,907 |
| Loan loss allowance to noncurrent loans | 411.6883% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.1211% | 4,023 |
| Noncurrent loans to loans | 0.2807% | 3,485 |
| Net loans and leases to total assets | 36.0813% | 4,775 |
| Net loans and leases to deposits | 43.4116% | 4,773 |
| Net loans and leases to core deposits | 44.8121% | 4,799 |
| Total domestic deposits to total assets | 83.1144% | 3,074 |
| Equity capital to assets | 16.7166% | 477 |
| Core capital (leverage) ratio | 17.3855% | 377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,603,000 | 4,331 |
| Average earning assets | $71,975,500 | 4,283 |
| Average equity | $12,781,500 | 3,903 |
| Average total loans | $27,228,500 | 4,650 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3499% | 4,937 |
| Cost of funding earning assets | 0.6703% | 3,315 |
| Net interest margin | 2.6797% | 4,851 |
| Noninterest income to average assets | 0.1337% | 4,806 |
| Noninterest expense to average assets | 2.1979% | 4,166 |
| Loan and lease loss provision to assets | 0.0108% | 3,797 |
| Net operating income to assets | 0.4592% | 4,488 |
| Return on assets (ROA) | 0.5292% | 4,387 |
| Pretax return on assets | 0.5819% | 4,438 |
| Return on Equity (ROE) | 3.1401% | 4,642 |
| Retained earnings to average equity (ytd only) | 2.0827% | 3,956 |
| Net charge-offs to loans | 0.0271% | 2,854 |
| Credit loss provision to net charge-offs | 114.2857% | 2,200 |
| Earnings coverage of net charge-offs (x) | 54.5714% | 1,052 |
| Efficiency ratio | 80.9950% | 866 |
| Assets per employee ($millions) | 4.1144% | 3,754 |
| Cash dividends to net income (ytd only)* | 33.6735% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 2,580 |
| Loan loss allowance to noncurrent loans | 2,438.4615% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 4,463 |
| Noncurrent loans to loans | 0.0481% | 4,357 |
| Net loans and leases to total assets | 36.0645% | 4,837 |
| Net loans and leases to deposits | 43.9192% | 4,829 |
| Net loans and leases to core deposits | 45.1387% | 4,847 |
| Total domestic deposits to total assets | 82.1156% | 3,481 |
| Equity capital to assets | 17.5549% | 407 |
| Core capital (leverage) ratio | 17.2737% | 388 |
| Tier 1 risk-based capital ratio | 35.8735% | 312 |
| Total risk-based capital ratio | 36.7632% | 314 |
| Memoranda: | ||
| Average total assets | $74,069,600 | 4,365 |
| Average earning assets | $71,315,200 | 4,327 |
| Average equity | $12,483,600 | 3,937 |
| Average total loans | $25,875,200 | 4,730 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3601% | 5,042 |
| Cost of funding earning assets | 0.6593% | 3,402 |
| Net interest margin | 2.7008% | 4,940 |
| Noninterest income to average assets | 0.1296% | 4,879 |
| Noninterest expense to average assets | 2.1996% | 4,181 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4759% | 4,577 |
| Return on assets (ROA) | 0.5562% | 4,446 |
| Pretax return on assets | 0.6138% | 4,516 |
| Return on Equity (ROE) | 3.3348% | 4,709 |
| Retained earnings to average equity (ytd only) | 3.3348% | 3,739 |
| Net charge-offs to loans | 0.0261% | 2,573 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 58.3688% | 1,069 |
| Efficiency ratio | 80.7133% | 862 |
| Assets per employee ($millions) | 4.1233% | 3,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 2,878 |
| Loan loss allowance to noncurrent loans | 2,827.2727% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 4,552 |
| Noncurrent loans to loans | 0.0400% | 4,475 |
| Net loans and leases to total assets | 36.6793% | 4,915 |
| Net loans and leases to deposits | 44.6432% | 4,897 |
| Net loans and leases to core deposits | 45.8724% | 4,923 |
| Total domestic deposits to total assets | 82.1609% | 3,430 |
| Equity capital to assets | 17.6922% | 417 |
| Core capital (leverage) ratio | 17.3095% | 403 |
| Tier 1 risk-based capital ratio | 35.7730% | 329 |
| Total risk-based capital ratio | 36.6402% | 329 |
| Memoranda: | ||
| Average total assets | $74,072,250 | 4,425 |
| Average earning assets | $71,186,000 | 4,383 |
| Average equity | $12,354,250 | 3,990 |
| Average total loans | $25,587,500 | 4,804 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3468% | 5,107 |
| Cost of funding earning assets | 0.6390% | 3,469 |
| Net interest margin | 2.7078% | 4,996 |
| Noninterest income to average assets | 0.1324% | 4,913 |
| Noninterest expense to average assets | 2.1831% | 4,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5079% | 4,511 |
| Return on assets (ROA) | 0.5079% | 4,546 |
| Pretax return on assets | 0.5485% | 4,627 |
| Return on Equity (ROE) | 3.1086% | 4,771 |
| Retained earnings to average equity (ytd only) | 3.1086% | 3,665 |
| Net charge-offs to loans | 0.0241% | 2,368 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 67.6667% | 920 |
| Efficiency ratio | 79.9209% | 973 |
| Assets per employee ($millions) | 4.2193% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 2,705 |
| Loan loss allowance to noncurrent loans | 1,117.8571% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 4,491 |
| Noncurrent loans to loans | 0.1042% | 4,201 |
| Net loans and leases to total assets | 34.9766% | 5,008 |
| Net loans and leases to deposits | 42.1785% | 4,992 |
| Net loans and leases to core deposits | 43.1213% | 5,015 |
| Total domestic deposits to total assets | 82.9252% | 3,224 |
| Equity capital to assets | 16.9234% | 478 |
| Core capital (leverage) ratio | 16.9330% | 438 |
| Tier 1 risk-based capital ratio | 35.2184% | 332 |
| Total risk-based capital ratio | 36.0890% | 340 |
| Memoranda: | ||
| Average total assets | $74,023,330 | 4,461 |
| Average earning assets | $71,053,000 | 4,423 |
| Average equity | $12,095,330 | 4,032 |
| Average total loans | $24,938,670 | 4,859 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3904% | 5,118 |
| Cost of funding earning assets | 0.6242% | 3,440 |
| Net interest margin | 2.7661% | 5,017 |
| Noninterest income to average assets | 0.1314% | 4,942 |
| Noninterest expense to average assets | 2.1954% | 4,265 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5311% | 4,431 |
| Return on assets (ROA) | 0.5311% | 4,454 |
| Pretax return on assets | 0.5803% | 4,552 |
| Return on Equity (ROE) | 3.3116% | 4,718 |
| Retained earnings to average equity (ytd only) | 3.3116% | 3,591 |
| Net charge-offs to loans | 0.0501% | 1,564 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 35.3333% | 1,234 |
| Efficiency ratio | 79.0927% | 1,151 |
| Assets per employee ($millions) | 4.1288% | 3,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 2,131 |
| Loan loss allowance to noncurrent loans | 1,956.2500% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 4,750 |
| Noncurrent loans to loans | 0.0660% | 4,465 |
| Net loans and leases to total assets | 32.1954% | 5,108 |
| Net loans and leases to deposits | 38.4796% | 5,103 |
| Net loans and leases to core deposits | 39.3478% | 5,121 |
| Total domestic deposits to total assets | 83.6688% | 3,162 |
| Equity capital to assets | 16.1697% | 547 |
| Core capital (leverage) ratio | 16.8828% | 433 |
| Tier 1 risk-based capital ratio | 37.3077% | 271 |
| Total risk-based capital ratio | 38.2372% | 272 |
| Memoranda: | ||
| Average total assets | $73,061,000 | 4,521 |
| Average earning assets | $69,844,500 | 4,488 |
| Average equity | $11,716,500 | 4,101 |
| Average total loans | $23,969,500 | 4,941 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2234% | 5,131 |
| Cost of funding earning assets | 0.4995% | 3,365 |
| Net interest margin | 2.7239% | 5,079 |
| Noninterest income to average assets | 0.1578% | 4,934 |
| Noninterest expense to average assets | 2.1127% | 4,532 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5916% | 4,440 |
| Return on assets (ROA) | 0.5455% | 4,553 |
| Pretax return on assets | 0.6064% | 4,620 |
| Return on Equity (ROE) | 3.5004% | 4,820 |
| Retained earnings to average equity (ytd only) | 2.3276% | 4,224 |
| Net charge-offs to loans | 0.0352% | 2,701 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 59.3750% | 1,027 |
| Efficiency ratio | 76.2619% | 1,323 |
| Assets per employee ($millions) | 3.9891% | 3,905 |
| Cash dividends to net income (ytd only)* | 33.5025% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3334% | 1,892 |
| Loan loss allowance to noncurrent loans | 1,170.3704% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 4,522 |
| Noncurrent loans to loans | 0.1139% | 4,218 |
| Net loans and leases to total assets | 32.5650% | 5,156 |
| Net loans and leases to deposits | 38.8706% | 5,139 |
| Net loans and leases to core deposits | 39.6060% | 5,164 |
| Total domestic deposits to total assets | 83.7781% | 3,062 |
| Equity capital to assets | 15.8988% | 547 |
| Core capital (leverage) ratio | 17.1167% | 398 |
| Tier 1 risk-based capital ratio | 38.0877% | 257 |
| Total risk-based capital ratio | 39.0548% | 258 |
| Memoranda: | ||
| Average total assets | $72,230,200 | 4,548 |
| Average earning assets | $69,274,800 | 4,509 |
| Average equity | $11,256,000 | 4,123 |
| Average total loans | $22,732,200 | 5,009 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2066% | 5,194 |
| Cost of funding earning assets | 0.4787% | 3,339 |
| Net interest margin | 2.7279% | 5,145 |
| Noninterest income to average assets | 0.1659% | 4,955 |
| Noninterest expense to average assets | 2.0957% | 4,565 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6138% | 4,464 |
| Return on assets (ROA) | 0.6138% | 4,469 |
| Pretax return on assets | 0.6857% | 4,567 |
| Return on Equity (ROE) | 3.9585% | 4,826 |
| Retained earnings to average equity (ytd only) | 3.9585% | 3,794 |
| Net charge-offs to loans | 0.0474% | 2,146 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 46.4845% | 1,232 |
| Efficiency ratio | 75.3479% | 1,425 |
| Assets per employee ($millions) | 4.1845% | 3,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3707% | 1,816 |
| Loan loss allowance to noncurrent loans | 7,900.0000% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 4,831 |
| Noncurrent loans to loans | 0.0174% | 4,837 |
| Net loans and leases to total assets | 31.9641% | 5,244 |
| Net loans and leases to deposits | 39.3384% | 5,222 |
| Net loans and leases to core deposits | 40.1108% | 5,238 |
| Total domestic deposits to total assets | 81.2542% | 3,800 |
| Equity capital to assets | 15.4788% | 620 |
| Core capital (leverage) ratio | 17.1160% | 407 |
| Tier 1 risk-based capital ratio | 39.0940% | 245 |
| Total risk-based capital ratio | 40.0812% | 248 |
| Memoranda: | ||
| Average total assets | $72,336,750 | 4,596 |
| Average earning assets | $69,355,250 | 4,550 |
| Average equity | $11,216,000 | 4,170 |
| Average total loans | $22,490,500 | 5,077 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1664% | 5,253 |
| Cost of funding earning assets | 0.4532% | 3,332 |
| Net interest margin | 2.7133% | 5,210 |
| Noninterest income to average assets | 0.1705% | 4,973 |
| Noninterest expense to average assets | 2.0540% | 4,698 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6379% | 4,385 |
| Return on assets (ROA) | 0.6379% | 4,391 |
| Pretax return on assets | 0.7177% | 4,469 |
| Return on Equity (ROE) | 4.1119% | 4,787 |
| Retained earnings to average equity (ytd only) | 4.1119% | 3,552 |
| Net charge-offs to loans | 0.0717% | 1,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 32.6250% | 1,432 |
| Efficiency ratio | 74.1071% | 1,695 |
| Assets per employee ($millions) | 4.5478% | 3,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3892% | 1,788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 4,906 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 30.8266% | 5,306 |
| Net loans and leases to deposits | 36.6969% | 5,312 |
| Net loans and leases to core deposits | 37.3763% | 5,331 |
| Total domestic deposits to total assets | 84.0033% | 3,066 |
| Equity capital to assets | 15.2903% | 633 |
| Core capital (leverage) ratio | 16.7309% | 424 |
| Tier 1 risk-based capital ratio | 38.1125% | 264 |
| Total risk-based capital ratio | 39.0826% | 264 |
| Memoranda: | ||
| Average total assets | $72,737,000 | 4,644 |
| Average earning assets | $69,731,330 | 4,595 |
| Average equity | $11,284,330 | 4,186 |
| Average total loans | $22,302,670 | 5,141 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1688% | 5,258 |
| Cost of funding earning assets | 0.4420% | 3,270 |
| Net interest margin | 2.7268% | 5,235 |
| Noninterest income to average assets | 0.1650% | 5,032 |
| Noninterest expense to average assets | 2.0461% | 4,765 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6490% | 4,281 |
| Return on assets (ROA) | 0.6490% | 4,289 |
| Pretax return on assets | 0.7315% | 4,348 |
| Return on Equity (ROE) | 4.1536% | 4,728 |
| Retained earnings to average equity (ytd only) | 4.1536% | 3,534 |
| Net charge-offs to loans | 0.0181% | 2,143 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 133.0000% | 488 |
| Efficiency ratio | 73.6634% | 1,937 |
| Assets per employee ($millions) | 4.2706% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4676% | 1,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 4,942 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 29.8705% | 5,368 |
| Net loans and leases to deposits | 35.2985% | 5,373 |
| Net loans and leases to core deposits | 35.9468% | 5,395 |
| Total domestic deposits to total assets | 84.6226% | 3,066 |
| Equity capital to assets | 15.2438% | 618 |
| Core capital (leverage) ratio | 16.5947% | 423 |
| Tier 1 risk-based capital ratio | 39.4319% | 230 |
| Total risk-based capital ratio | 40.4674% | 234 |
| Memoranda: | ||
| Average total assets | $72,723,000 | 4,695 |
| Average earning assets | $69,679,000 | 4,648 |
| Average equity | $11,363,500 | 4,216 |
| Average total loans | $22,080,500 | 5,207 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8955% | 5,415 |
| Cost of funding earning assets | 0.4428% | 2,848 |
| Net interest margin | 2.4527% | 5,435 |
| Noninterest income to average assets | 0.1715% | 5,097 |
| Noninterest expense to average assets | 1.9825% | 4,987 |
| Loan and lease loss provision to assets | 0.0811% | 2,581 |
| Net operating income to assets | 0.4574% | 4,500 |
| Return on assets (ROA) | 0.5571% | 4,236 |
| Pretax return on assets | 0.5571% | 4,833 |
| Return on Equity (ROE) | 3.6075% | 4,645 |
| Retained earnings to average equity (ytd only) | 2.4710% | 3,852 |
| Net charge-offs to loans | 0.0099% | 3,740 |
| Credit loss provision to net charge-offs | 3,050.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 202.5000% | 394 |
| Efficiency ratio | 78.6392% | 1,262 |
| Assets per employee ($millions) | 4.2851% | 3,511 |
| Cash dividends to net income (ytd only)* | 31.5036% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4626% | 1,535 |
| Loan loss allowance to noncurrent loans | 1,296.0000% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 4,966 |
| Noncurrent loans to loans | 0.1129% | 4,479 |
| Net loans and leases to total assets | 29.9646% | 5,438 |
| Net loans and leases to deposits | 35.8024% | 5,435 |
| Net loans and leases to core deposits | 36.4633% | 5,452 |
| Total domestic deposits to total assets | 83.6944% | 3,315 |
| Equity capital to assets | 16.0064% | 515 |
| Core capital (leverage) ratio | 16.4071% | 428 |
| Tier 1 risk-based capital ratio | 39.4637% | 224 |
| Total risk-based capital ratio | 40.5091% | 223 |
| Memoranda: | ||
| Average total assets | $75,208,800 | 4,682 |
| Average earning assets | $72,043,600 | 4,620 |
| Average equity | $11,614,800 | 4,204 |
| Average total loans | $20,292,200 | 5,305 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8560% | 5,501 |
| Cost of funding earning assets | 0.4411% | 2,800 |
| Net interest margin | 2.4150% | 5,516 |
| Noninterest income to average assets | 0.1653% | 5,190 |
| Noninterest expense to average assets | 1.9595% | 5,029 |
| Loan and lease loss provision to assets | 0.0967% | 2,169 |
| Net operating income to assets | 0.3747% | 5,058 |
| Return on assets (ROA) | 0.4890% | 4,800 |
| Pretax return on assets | 0.5488% | 4,934 |
| Return on Equity (ROE) | 3.1944% | 5,065 |
| Retained earnings to average equity (ytd only) | 3.1944% | 4,017 |
| Net charge-offs to loans | 0.0135% | 3,259 |
| Credit loss provision to net charge-offs | 2,750.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 146.8127% | 550 |
| Efficiency ratio | 79.1193% | 1,200 |
| Assets per employee ($millions) | 4.6513% | 2,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4519% | 1,696 |
| Loan loss allowance to noncurrent loans | 1,325.0000% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 5,071 |
| Noncurrent loans to loans | 0.1096% | 4,616 |
| Net loans and leases to total assets | 29.0043% | 5,520 |
| Net loans and leases to deposits | 34.6174% | 5,517 |
| Net loans and leases to core deposits | 35.0970% | 5,536 |
| Total domestic deposits to total assets | 83.7853% | 3,194 |
| Equity capital to assets | 16.1126% | 521 |
| Core capital (leverage) ratio | 16.1932% | 466 |
| Tier 1 risk-based capital ratio | 40.1709% | 223 |
| Total risk-based capital ratio | 41.2161% | 222 |
| Memoranda: | ||
| Average total assets | $75,799,500 | 4,720 |
| Average earning assets | $72,546,000 | 4,657 |
| Average equity | $11,603,500 | 4,247 |
| Average total loans | $19,827,250 | 5,375 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7946% | 5,559 |
| Cost of funding earning assets | 0.4361% | 2,746 |
| Net interest margin | 2.3585% | 5,589 |
| Noninterest income to average assets | 0.1705% | 5,199 |
| Noninterest expense to average assets | 1.9460% | 5,094 |
| Loan and lease loss provision to assets | 0.0944% | 2,097 |
| Net operating income to assets | 0.3397% | 5,127 |
| Return on assets (ROA) | 0.5035% | 4,733 |
| Pretax return on assets | 0.5717% | 4,857 |
| Return on Equity (ROE) | 3.3466% | 5,025 |
| Retained earnings to average equity (ytd only) | 3.3466% | 3,727 |
| Net charge-offs to loans | 0.0209% | 2,807 |
| Credit loss provision to net charge-offs | 1,800.0000% | 231 |
| Earnings coverage of net charge-offs (x) | 91.5000% | 691 |
| Efficiency ratio | 80.2162% | 1,189 |
| Assets per employee ($millions) | 4.4830% | 3,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4682% | 1,691 |
| Loan loss allowance to noncurrent loans | 1,245.8333% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0315% | 5,143 |
| Noncurrent loans to loans | 0.1178% | 4,648 |
| Net loans and leases to total assets | 26.3295% | 5,604 |
| Net loans and leases to deposits | 31.2769% | 5,614 |
| Net loans and leases to core deposits | 31.6968% | 5,629 |
| Total domestic deposits to total assets | 84.1821% | 3,128 |
| Equity capital to assets | 15.6867% | 573 |
| Core capital (leverage) ratio | 15.7584% | 511 |
| Tier 1 risk-based capital ratio | 41.1000% | 197 |
| Total risk-based capital ratio | 42.1126% | 198 |
| Memoranda: | ||
| Average total assets | $76,259,330 | 4,742 |
| Average earning assets | $72,926,670 | 4,678 |
| Average equity | $11,474,330 | 4,279 |
| Average total loans | $19,135,330 | 5,434 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6781% | 5,655 |
| Cost of funding earning assets | 0.4344% | 2,665 |
| Net interest margin | 2.2437% | 5,682 |
| Noninterest income to average assets | 0.1730% | 5,243 |
| Noninterest expense to average assets | 1.9192% | 5,209 |
| Loan and lease loss provision to assets | 0.1101% | 1,739 |
| Net operating income to assets | 0.2378% | 5,332 |
| Return on assets (ROA) | 0.5506% | 4,423 |
| Pretax return on assets | 0.6554% | 4,580 |
| Return on Equity (ROE) | 3.7387% | 4,870 |
| Retained earnings to average equity (ytd only) | 3.7387% | 3,579 |
| Net charge-offs to loans | 0.0432% | 1,970 |
| Credit loss provision to net charge-offs | 1,050.0000% | 301 |
| Earnings coverage of net charge-offs (x) | 37.5000% | 1,074 |
| Efficiency ratio | 82.9932% | 1,062 |
| Assets per employee ($millions) | 4.2876% | 3,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 1,603 |
| Loan loss allowance to noncurrent loans | 1,183.3333% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 5,194 |
| Noncurrent loans to loans | 0.1289% | 4,669 |
| Net loans and leases to total assets | 23.7545% | 5,702 |
| Net loans and leases to deposits | 27.8842% | 5,706 |
| Net loans and leases to core deposits | 28.4780% | 5,711 |
| Total domestic deposits to total assets | 85.1899% | 3,009 |
| Equity capital to assets | 14.6870% | 712 |
| Core capital (leverage) ratio | 15.5302% | 519 |
| Tier 1 risk-based capital ratio | 41.3848% | 207 |
| Total risk-based capital ratio | 42.3601% | 206 |
| Memoranda: | ||
| Average total assets | $76,283,500 | 4,787 |
| Average earning assets | $72,738,000 | 4,725 |
| Average equity | $11,234,000 | 4,346 |
| Average total loans | $18,520,500 | 5,507 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7076% | 5,687 |
| Cost of funding earning assets | 0.4646% | 2,401 |
| Net interest margin | 2.2430% | 5,728 |
| Noninterest income to average assets | 0.1043% | 5,633 |
| Noninterest expense to average assets | 1.9585% | 5,268 |
| Loan and lease loss provision to assets | 0.0647% | 3,078 |
| Net operating income to assets | 0.2151% | 5,395 |
| Return on assets (ROA) | 0.3062% | 5,271 |
| Pretax return on assets | 0.3339% | 5,324 |
| Return on Equity (ROE) | 1.9474% | 5,415 |
| Retained earnings to average equity (ytd only) | 0.8394% | 4,988 |
| Net charge-offs to loans | 0.0327% | 3,368 |
| Credit loss provision to net charge-offs | 816.6667% | 453 |
| Earnings coverage of net charge-offs (x) | 37.8333% | 1,223 |
| Efficiency ratio | 86.7329% | 768 |
| Assets per employee ($millions) | 4.1883% | 3,636 |
| Cash dividends to net income (ytd only)* | 56.8966% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 1,924 |
| 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 | 24.0867% | 5,754 |
| Net loans and leases to deposits | 28.3584% | 5,756 |
| Net loans and leases to core deposits | 28.8618% | 5,766 |
| Total domestic deposits to total assets | 84.9370% | 3,081 |
| Equity capital to assets | 14.7672% | 679 |
| Core capital (leverage) ratio | 15.7483% | 493 |
| Tier 1 risk-based capital ratio | 42.3732% | 198 |
| Total risk-based capital ratio | 43.3161% | 197 |
| Memoranda: | ||
| Average total assets | $75,773,000 | 4,821 |
| Average earning assets | $72,758,400 | 4,743 |
| Average equity | $11,913,400 | 4,260 |
| Average total loans | $18,360,600 | 5,564 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7145% | 5,757 |
| Cost of funding earning assets | 0.4698% | 2,366 |
| Net interest margin | 2.2447% | 5,799 |
| Noninterest income to average assets | 0.1107% | 5,671 |
| Noninterest expense to average assets | 1.9560% | 5,289 |
| Loan and lease loss provision to assets | 0.0703% | 2,810 |
| Net operating income to assets | 0.2075% | 5,452 |
| Return on assets (ROA) | 0.3181% | 5,326 |
| Pretax return on assets | 0.3726% | 5,350 |
| Return on Equity (ROE) | 1.9931% | 5,473 |
| Retained earnings to average equity (ytd only) | 1.9931% | 4,687 |
| Net charge-offs to loans | 0.0436% | 2,771 |
| Credit loss provision to net charge-offs | 666.6667% | 580 |
| Earnings coverage of net charge-offs (x) | 29.6663% | 1,501 |
| Efficiency ratio | 86.2122% | 805 |
| Assets per employee ($millions) | 4.1848% | 3,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4117% | 2,148 |
| 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 | 23.7342% | 5,826 |
| Net loans and leases to deposits | 28.4383% | 5,831 |
| Net loans and leases to core deposits | 28.9513% | 5,838 |
| Total domestic deposits to total assets | 83.4586% | 3,416 |
| Equity capital to assets | 16.3250% | 510 |
| Core capital (leverage) ratio | 15.8478% | 503 |
| Tier 1 risk-based capital ratio | 44.1848% | 184 |
| Total risk-based capital ratio | 45.1282% | 186 |
| Memoranda: | ||
| Average total assets | $75,868,750 | 4,850 |
| Average earning assets | $72,939,250 | 4,775 |
| Average equity | $12,108,500 | 4,273 |
| Average total loans | $18,344,750 | 5,622 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7666% | 5,817 |
| Cost of funding earning assets | 0.4752% | 2,313 |
| Net interest margin | 2.2914% | 5,866 |
| Noninterest income to average assets | 0.0894% | 5,813 |
| Noninterest expense to average assets | 1.9514% | 5,369 |
| Loan and lease loss provision to assets | 0.0579% | 2,983 |
| Net operating income to assets | 0.2244% | 5,482 |
| Return on assets (ROA) | 0.3761% | 5,187 |
| Pretax return on assets | 0.4786% | 5,177 |
| Return on Equity (ROE) | 2.3743% | 5,416 |
| Retained earnings to average equity (ytd only) | 2.3743% | 4,366 |
| Net charge-offs to loans | 0.0652% | 2,264 |
| Credit loss provision to net charge-offs | 366.6667% | 826 |
| Earnings coverage of net charge-offs (x) | 21.8333% | 1,654 |
| Efficiency ratio | 84.9943% | 965 |
| Assets per employee ($millions) | 4.4447% | 3,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 2,787 |
| 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 | 23.9161% | 5,894 |
| Net loans and leases to deposits | 28.6428% | 5,897 |
| Net loans and leases to core deposits | 29.1562% | 5,906 |
| Total domestic deposits to total assets | 83.4979% | 3,466 |
| Equity capital to assets | 16.2665% | 507 |
| Core capital (leverage) ratio | 15.6872% | 499 |
| Tier 1 risk-based capital ratio | 44.3229% | 182 |
| Total risk-based capital ratio | 45.2054% | 184 |
| Memoranda: | ||
| Average total assets | $76,049,670 | 4,891 |
| Average earning assets | $73,229,670 | 4,815 |
| Average equity | $12,045,670 | 4,309 |
| Average total loans | $18,415,000 | 5,685 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8666% | 5,814 |
| Cost of funding earning assets | 0.4895% | 2,183 |
| Net interest margin | 2.3770% | 5,889 |
| Noninterest income to average assets | 0.0734% | 5,896 |
| Noninterest expense to average assets | 1.9608% | 5,414 |
| Loan and lease loss provision to assets | 0.0524% | 2,886 |
| Net operating income to assets | 0.2674% | 5,384 |
| Return on assets (ROA) | 0.2674% | 5,456 |
| Pretax return on assets | 0.3513% | 5,400 |
| Return on Equity (ROE) | 1.7110% | 5,572 |
| Retained earnings to average equity (ytd only) | 1.7110% | 4,586 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9268% | 1,266 |
| Assets per employee ($millions) | 4.7730% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 3,228 |
| Loan loss allowance to noncurrent loans | 3,866.6667% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 5,644 |
| Noncurrent loans to loans | 0.0322% | 5,362 |
| Net loans and leases to total assets | 24.0952% | 5,942 |
| Net loans and leases to deposits | 28.6504% | 5,946 |
| Net loans and leases to core deposits | 29.1529% | 5,954 |
| Total domestic deposits to total assets | 84.1007% | 3,480 |
| Equity capital to assets | 15.7723% | 559 |
| Core capital (leverage) ratio | 15.6440% | 518 |
| Tier 1 risk-based capital ratio | 43.3913% | 197 |
| Total risk-based capital ratio | 44.2400% | 197 |
| Memoranda: | ||
| Average total assets | $76,294,500 | 4,933 |
| Average earning assets | $73,537,500 | 4,854 |
| Average equity | $11,923,000 | 4,344 |
| Average total loans | $18,468,000 | 5,735 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7769% | 5,896 |
| Cost of funding earning assets | 0.5184% | 2,008 |
| Net interest margin | 2.2586% | 5,966 |
| Noninterest income to average assets | 0.1208% | 5,804 |
| Noninterest expense to average assets | 2.0036% | 5,451 |
| Loan and lease loss provision to assets | 0.0076% | 4,243 |
| Net operating income to assets | 0.2015% | 5,570 |
| Return on assets (ROA) | 0.1640% | 5,705 |
| Pretax return on assets | 0.2288% | 5,649 |
| Return on Equity (ROE) | 1.0980% | 5,755 |
| Retained earnings to average equity (ytd only) | -0.0255% | 5,518 |
| Net charge-offs to loans | 0.0111% | 4,088 |
| Credit loss provision to net charge-offs | 300.0000% | 982 |
| Earnings coverage of net charge-offs (x) | 113.5000% | 523 |
| Efficiency ratio | 87.4099% | 876 |
| Assets per employee ($millions) | 4.7638% | 2,659 |
| Cash dividends to net income (ytd only)* | 102.3256% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2129% | 3,401 |
| 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 | 23.7218% | 6,007 |
| Net loans and leases to deposits | 28.1688% | 6,014 |
| Net loans and leases to core deposits | 28.6618% | 6,018 |
| Total domestic deposits to total assets | 84.2130% | 3,396 |
| Equity capital to assets | 15.4826% | 598 |
| Core capital (leverage) ratio | 15.4300% | 548 |
| Tier 1 risk-based capital ratio | 44.6122% | 175 |
| Total risk-based capital ratio | 45.4542% | 177 |
| Memoranda: | ||
| Average total assets | $78,660,200 | 4,900 |
| Average earning assets | $75,623,000 | 4,819 |
| Average equity | $11,748,600 | 4,350 |
| Average total loans | $18,067,400 | 5,791 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7710% | 5,978 |
| Cost of funding earning assets | 0.5251% | 1,999 |
| Net interest margin | 2.2458% | 6,063 |
| Noninterest income to average assets | 0.1177% | 5,886 |
| Noninterest expense to average assets | 2.0066% | 5,467 |
| Loan and lease loss provision to assets | 0.0050% | 4,164 |
| Net operating income to assets | 0.1845% | 5,705 |
| Return on assets (ROA) | 0.1362% | 5,842 |
| Pretax return on assets | 0.1951% | 5,796 |
| Return on Equity (ROE) | 0.9203% | 5,868 |
| Retained earnings to average equity (ytd only) | 0.9203% | 5,342 |
| Net charge-offs to loans | 0.0074% | 3,909 |
| Credit loss provision to net charge-offs | 300.0000% | 959 |
| Earnings coverage of net charge-offs (x) | 160.3985% | 436 |
| Efficiency ratio | 88.1744% | 831 |
| Assets per employee ($millions) | 4.3302% | 3,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 3,794 |
| Loan loss allowance to noncurrent loans | 22,000.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 5,827 |
| Noncurrent loans to loans | 0.0053% | 5,634 |
| Net loans and leases to total assets | 23.7568% | 6,098 |
| Net loans and leases to deposits | 28.6229% | 6,097 |
| Net loans and leases to core deposits | 29.1180% | 6,102 |
| Total domestic deposits to total assets | 82.9993% | 3,824 |
| Equity capital to assets | 15.2135% | 693 |
| Core capital (leverage) ratio | 15.0856% | 620 |
| Tier 1 risk-based capital ratio | 44.0372% | 197 |
| Total risk-based capital ratio | 44.8550% | 198 |
| Memoranda: | ||
| Average total assets | $79,270,000 | 4,941 |
| Average earning assets | $76,168,750 | 4,863 |
| Average equity | $11,735,500 | 4,402 |
| Average total loans | $18,008,500 | 5,862 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8036% | 6,014 |
| Cost of funding earning assets | 0.5299% | 1,984 |
| Net interest margin | 2.2737% | 6,111 |
| Noninterest income to average assets | 0.1104% | 5,989 |
| Noninterest expense to average assets | 1.9420% | 5,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2437% | 5,595 |
| Return on assets (ROA) | 0.1606% | 5,839 |
| Pretax return on assets | 0.2333% | 5,769 |
| Return on Equity (ROE) | 1.0945% | 5,885 |
| Retained earnings to average equity (ytd only) | 1.0945% | 5,132 |
| Net charge-offs to loans | -0.0113% | 4,962 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5902% | 1,203 |
| Assets per employee ($millions) | 3.9978% | 3,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2162% | 3,696 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 5,627 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 22.2472% | 6,188 |
| Net loans and leases to deposits | 26.0986% | 6,199 |
| Net loans and leases to core deposits | 26.5255% | 6,198 |
| Total domestic deposits to total assets | 85.2431% | 3,024 |
| Equity capital to assets | 14.6368% | 789 |
| Core capital (leverage) ratio | 14.7338% | 668 |
| Tier 1 risk-based capital ratio | 44.9584% | 195 |
| Total risk-based capital ratio | 45.7907% | 200 |
| Memoranda: | ||
| Average total assets | $79,712,000 | 4,984 |
| Average earning assets | $76,614,670 | 4,902 |
| Average equity | $11,694,670 | 4,438 |
| Average total loans | $17,765,670 | 5,936 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9074% | 5,989 |
| Cost of funding earning assets | 0.5386% | 1,936 |
| Net interest margin | 2.3688% | 6,111 |
| Noninterest income to average assets | 0.1106% | 6,034 |
| Noninterest expense to average assets | 1.9651% | 5,636 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2955% | 5,437 |
| Return on assets (ROA) | 0.1759% | 5,811 |
| Pretax return on assets | 0.2513% | 5,752 |
| Return on Equity (ROE) | 1.1976% | 5,874 |
| Retained earnings to average equity (ytd only) | 1.1976% | 5,009 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3158% | 1,579 |
| Assets per employee ($millions) | 4.1850% | 3,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 3,623 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0591% | 5,701 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 21.4576% | 6,253 |
| Net loans and leases to deposits | 25.2520% | 6,262 |
| Net loans and leases to core deposits | 25.6672% | 6,265 |
| Total domestic deposits to total assets | 84.9739% | 3,424 |
| Equity capital to assets | 14.9079% | 732 |
| Core capital (leverage) ratio | 14.8626% | 629 |
| Tier 1 risk-based capital ratio | 46.8855% | 171 |
| Total risk-based capital ratio | 46.8855% | 180 |
| Memoranda: | ||
| Average total assets | $79,590,000 | 5,036 |
| Average earning assets | $76,495,000 | 4,954 |
| Average equity | $11,690,500 | 4,473 |
| Average total loans | $17,645,000 | 5,991 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1564% | 5,892 |
| Cost of funding earning assets | 0.5919% | 1,833 |
| Net interest margin | 2.5645% | 6,102 |
| Noninterest income to average assets | 0.1313% | 6,036 |
| Noninterest expense to average assets | 2.1192% | 5,527 |
| Loan and lease loss provision to assets | 0.0038% | 4,528 |
| Net operating income to assets | 0.2970% | 5,522 |
| Return on assets (ROA) | -0.3650% | 6,258 |
| Pretax return on assets | -0.5910% | 6,308 |
| Return on Equity (ROE) | -2.7306% | 6,235 |
| Retained earnings to average equity (ytd only) | -3.9778% | 6,139 |
| Net charge-offs to loans | 0.1070% | 2,979 |
| Credit loss provision to net charge-offs | 15.7895% | 4,025 |
| Earnings coverage of net charge-offs (x) | 18.6316% | 1,830 |
| Efficiency ratio | 82.5787% | 1,589 |
| Assets per employee ($millions) | 3.9833% | 3,997 |
| Cash dividends to net income (ytd only)* | -45.6747% | 6,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2104% | 3,934 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 5,777 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 22.3335% | 6,341 |
| Net loans and leases to deposits | 26.1975% | 6,344 |
| Net loans and leases to core deposits | 26.7641% | 6,345 |
| Total domestic deposits to total assets | 85.2507% | 3,186 |
| Equity capital to assets | 14.4693% | 821 |
| Core capital (leverage) ratio | 14.8287% | 642 |
| Tier 1 risk-based capital ratio | 44.7611% | 182 |
| Total risk-based capital ratio | 45.5807% | 183 |
| Memoranda: | ||
| Average total assets | $79,182,600 | 5,087 |
| Average earning assets | $75,181,400 | 5,016 |
| Average equity | $10,583,800 | 4,639 |
| Average total loans | $17,758,600 | 6,054 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1892% | 5,912 |
| Cost of funding earning assets | 0.5983% | 1,847 |
| Net interest margin | 2.5908% | 6,144 |
| Noninterest income to average assets | 0.1265% | 6,135 |
| Noninterest expense to average assets | 2.0456% | 5,688 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3537% | 5,416 |
| Return on assets (ROA) | -0.5076% | 6,369 |
| Pretax return on assets | -0.8111% | 6,420 |
| Return on Equity (ROE) | -3.8782% | 6,340 |
| Retained earnings to average equity (ytd only) | -3.8782% | 6,198 |
| Net charge-offs to loans | 0.0678% | 3,232 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 35.2217% | 1,228 |
| Efficiency ratio | 79.2810% | 2,012 |
| Assets per employee ($millions) | 3.5555% | 4,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 3,884 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 5,906 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 22.5461% | 6,412 |
| Net loans and leases to deposits | 26.2871% | 6,425 |
| Net loans and leases to core deposits | 26.8608% | 6,424 |
| Total domestic deposits to total assets | 85.7687% | 2,973 |
| Equity capital to assets | 14.1047% | 970 |
| Core capital (leverage) ratio | 14.9801% | 623 |
| Tier 1 risk-based capital ratio | 44.4995% | 182 |
| Total risk-based capital ratio | 45.3321% | 184 |
| Memoranda: | ||
| Average total assets | $79,062,000 | 5,144 |
| Average earning assets | $74,877,000 | 5,070 |
| Average equity | $10,348,000 | 4,721 |
| Average total loans | $17,695,750 | 6,118 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1950% | 5,962 |
| Cost of funding earning assets | 0.5974% | 1,917 |
| Net interest margin | 2.5976% | 6,173 |
| Noninterest income to average assets | 0.1235% | 6,184 |
| Noninterest expense to average assets | 2.0015% | 5,840 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3801% | 5,290 |
| Return on assets (ROA) | -0.5798% | 6,456 |
| Pretax return on assets | -0.9226% | 6,501 |
| Return on Equity (ROE) | -4.5456% | 6,419 |
| Retained earnings to average equity (ytd only) | -4.5456% | 6,203 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6149% | 2,352 |
| Assets per employee ($millions) | 3.8478% | 4,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3386% | 3,650 |
| Loan loss allowance to noncurrent loans | 320.5479% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.0903% | 5,887 |
| Noncurrent loans to loans | 0.4176% | 4,736 |
| Net loans and leases to total assets | 21.3442% | 6,491 |
| Net loans and leases to deposits | 24.6245% | 6,507 |
| Net loans and leases to core deposits | 25.1370% | 6,504 |
| Total domestic deposits to total assets | 86.6789% | 2,651 |
| Equity capital to assets | 13.2642% | 1,239 |
| Core capital (leverage) ratio | 14.7942% | 638 |
| Tier 1 risk-based capital ratio | 43.5703% | 192 |
| Total risk-based capital ratio | 44.4132% | 195 |
| Memoranda: | ||
| Average total assets | $79,342,000 | 5,172 |
| Average earning assets | $74,992,000 | 5,108 |
| Average equity | $10,119,670 | 4,775 |
| Average total loans | $17,640,670 | 6,170 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2694% | 5,900 |
| Cost of funding earning assets | 0.6052% | 1,932 |
| Net interest margin | 2.6641% | 6,151 |
| Noninterest income to average assets | 0.1221% | 6,238 |
| Noninterest expense to average assets | 2.0353% | 5,812 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3905% | 5,152 |
| Return on assets (ROA) | -1.5774% | 6,633 |
| Pretax return on assets | -2.4322% | 6,667 |
| Return on Equity (ROE) | -12.6266% | 6,590 |
| Retained earnings to average equity (ytd only) | -12.6266% | 6,433 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3694% | 2,580 |
| Assets per employee ($millions) | 4.0142% | 3,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 3,899 |
| Loan loss allowance to noncurrent loans | 251.6129% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.1158% | 5,901 |
| Noncurrent loans to loans | 0.5330% | 4,578 |
| Net loans and leases to total assets | 21.4404% | 6,552 |
| Net loans and leases to deposits | 24.5301% | 6,571 |
| Net loans and leases to core deposits | 25.0382% | 6,568 |
| Total domestic deposits to total assets | 87.4046% | 2,565 |
| Equity capital to assets | 12.5381% | 1,552 |
| Core capital (leverage) ratio | 14.8993% | 613 |
| Tier 1 risk-based capital ratio | 42.8959% | 200 |
| Total risk-based capital ratio | 43.7313% | 201 |
| Memoranda: | ||
| Average total assets | $78,611,000 | 5,240 |
| Average earning assets | $74,020,500 | 5,177 |
| Average equity | $9,820,500 | 4,866 |
| Average total loans | $17,720,500 | 6,228 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1876% | 6,143 |
| Cost of funding earning assets | 0.6320% | 2,368 |
| Net interest margin | 2.5556% | 6,323 |
| Noninterest income to average assets | 0.1397% | 6,242 |
| Noninterest expense to average assets | 1.9889% | 6,050 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5977% | 4,269 |
| Return on assets (ROA) | 0.0549% | 6,170 |
| Pretax return on assets | 0.0299% | 6,186 |
| Return on Equity (ROE) | 0.3881% | 6,186 |
| Retained earnings to average equity (ytd only) | -0.7762% | 6,024 |
| Net charge-offs to loans | 0.0241% | 4,944 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 114.7500% | 413 |
| Efficiency ratio | 77.6425% | 2,521 |
| Assets per employee ($millions) | 3.4972% | 4,903 |
| Cash dividends to net income (ytd only)* | 300.0000% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 4,143 |
| Loan loss allowance to noncurrent loans | 780.0000% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 6,259 |
| Noncurrent loans to loans | 0.1667% | 5,696 |
| Net loans and leases to total assets | 23.0832% | 6,620 |
| Net loans and leases to deposits | 26.4475% | 6,636 |
| Net loans and leases to core deposits | 27.0184% | 6,638 |
| Total domestic deposits to total assets | 87.2795% | 2,586 |
| Equity capital to assets | 12.4449% | 1,539 |
| Core capital (leverage) ratio | 15.2607% | 576 |
| Tier 1 risk-based capital ratio | 35.9765% | 299 |
| Total risk-based capital ratio | 36.6595% | 303 |
| Memoranda: | ||
| Average total assets | $80,145,600 | 5,232 |
| Average earning assets | $75,950,800 | 5,157 |
| Average equity | $11,336,800 | 4,571 |
| Average total loans | $16,619,200 | 6,338 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1259% | 6,292 |
| Cost of funding earning assets | 0.6311% | 2,537 |
| Net interest margin | 2.4949% | 6,431 |
| Noninterest income to average assets | 0.1334% | 6,356 |
| Noninterest expense to average assets | 1.9650% | 6,076 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3920% | 5,274 |
| Return on assets (ROA) | 0.3920% | 5,413 |
| Pretax return on assets | 0.5386% | 5,239 |
| Return on Equity (ROE) | 2.6944% | 5,714 |
| Retained earnings to average equity (ytd only) | 2.6944% | 4,701 |
| Net charge-offs to loans | 0.0327% | 4,480 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 81.7992% | 578 |
| Efficiency ratio | 78.4868% | 2,341 |
| Assets per employee ($millions) | 3.7616% | 4,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3996% | 3,896 |
| Loan loss allowance to noncurrent loans | 2,925.0000% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 6,469 |
| Noncurrent loans to loans | 0.0478% | 6,202 |
| Net loans and leases to total assets | 20.8689% | 6,736 |
| Net loans and leases to deposits | 24.4919% | 6,744 |
| Net loans and leases to core deposits | 24.9229% | 6,748 |
| Total domestic deposits to total assets | 85.2076% | 3,627 |
| Equity capital to assets | 12.1201% | 1,848 |
| Core capital (leverage) ratio | 15.5011% | 563 |
| Tier 1 risk-based capital ratio | 43.6005% | 192 |
| Total risk-based capital ratio | 44.4069% | 199 |
| Memoranda: | ||
| Average total assets | $80,947,250 | 5,262 |
| Average earning assets | $76,902,750 | 5,170 |
| Average equity | $11,777,250 | 4,542 |
| Average total loans | $16,275,500 | 6,426 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0291% | 6,422 |
| Cost of funding earning assets | 0.6341% | 2,642 |
| Net interest margin | 2.3950% | 6,558 |
| Noninterest income to average assets | 0.1127% | 6,485 |
| Noninterest expense to average assets | 1.9510% | 6,128 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3358% | 5,462 |
| Return on assets (ROA) | 0.3358% | 5,628 |
| Pretax return on assets | 0.4485% | 5,525 |
| Return on Equity (ROE) | 2.1900% | 5,889 |
| Retained earnings to average equity (ytd only) | 2.1900% | 4,884 |
| Net charge-offs to loans | 0.0620% | 3,819 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 36.6000% | 988 |
| Efficiency ratio | 81.3075% | 1,990 |
| Assets per employee ($millions) | 3.6835% | 4,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4652% | 3,741 |
| 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 | 19.3359% | 6,804 |
| Net loans and leases to deposits | 22.7740% | 6,814 |
| Net loans and leases to core deposits | 23.3681% | 6,816 |
| Total domestic deposits to total assets | 84.9030% | 3,936 |
| Equity capital to assets | 14.9279% | 725 |
| Core capital (leverage) ratio | 15.2311% | 576 |
| Tier 1 risk-based capital ratio | 45.7198% | 162 |
| Total risk-based capital ratio | 46.5686% | 168 |
| Memoranda: | ||
| Average total assets | $81,598,670 | 5,285 |
| Average earning assets | $77,911,330 | 5,170 |
| Average equity | $12,511,670 | 4,421 |
| Average total loans | $16,127,670 | 6,467 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9806% | 6,532 |
| Cost of funding earning assets | 0.6453% | 2,704 |
| Net interest margin | 2.3353% | 6,663 |
| Noninterest income to average assets | 0.1124% | 6,531 |
| Noninterest expense to average assets | 1.9541% | 6,192 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2980% | 5,574 |
| Return on assets (ROA) | 0.2980% | 5,700 |
| Pretax return on assets | 0.3859% | 5,610 |
| Return on Equity (ROE) | 1.9184% | 5,964 |
| Retained earnings to average equity (ytd only) | 1.9184% | 5,039 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5073% | 1,832 |
| Assets per employee ($millions) | 3.9654% | 4,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 3,901 |
| Loan loss allowance to noncurrent loans | 2,975.0000% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 6,599 |
| Noncurrent loans to loans | 0.0498% | 6,333 |
| Net loans and leases to total assets | 19.0230% | 6,871 |
| Net loans and leases to deposits | 22.4912% | 6,883 |
| Net loans and leases to core deposits | 23.2696% | 6,878 |
| Total domestic deposits to total assets | 84.5796% | 4,232 |
| Equity capital to assets | 15.2246% | 707 |
| Core capital (leverage) ratio | 15.0883% | 581 |
| Tier 1 risk-based capital ratio | 45.9518% | 159 |
| Total risk-based capital ratio | 46.8285% | 163 |
| Memoranda: | ||
| Average total assets | $81,880,000 | 5,323 |
| Average earning assets | $78,105,500 | 5,204 |
| Average equity | $12,719,000 | 4,432 |
| Average total loans | $16,240,500 | 6,525 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0601% | 6,742 |
| Cost of funding earning assets | 0.7804% | 2,829 |
| Net interest margin | 2.2797% | 6,848 |
| Noninterest income to average assets | 0.1290% | 6,395 |
| Noninterest expense to average assets | 2.0355% | 6,265 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2315% | 5,697 |
| Return on assets (ROA) | 0.2315% | 5,893 |
| Pretax return on assets | 0.2480% | 5,912 |
| Return on Equity (ROE) | 1.4540% | 6,027 |
| Retained earnings to average equity (ytd only) | 0.4052% | 5,654 |
| Net charge-offs to loans | 0.0179% | 5,662 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 65.3333% | 550 |
| Efficiency ratio | 89.1413% | 1,137 |
| Assets per employee ($millions) | 3.8327% | 4,304 |
| Cash dividends to net income (ytd only)* | 72.1311% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 3,935 |
| Loan loss allowance to noncurrent loans | 566.6667% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 6,503 |
| Noncurrent loans to loans | 0.2561% | 5,838 |
| Net loans and leases to total assets | 20.0827% | 6,924 |
| Net loans and leases to deposits | 24.0135% | 6,932 |
| Net loans and leases to core deposits | 24.7512% | 6,923 |
| Total domestic deposits to total assets | 83.6309% | 4,485 |
| Equity capital to assets | 15.8535% | 578 |
| Core capital (leverage) ratio | 15.5541% | 499 |
| Tier 1 risk-based capital ratio | 45.4595% | 167 |
| Total risk-based capital ratio | 46.3310% | 171 |
| Memoranda: | ||
| Average total assets | $79,046,000 | 5,381 |
| Average earning assets | $74,704,000 | 5,289 |
| Average equity | $12,586,000 | 4,444 |
| Average total loans | $16,749,800 | 6,563 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0756% | 6,862 |
| Cost of funding earning assets | 0.8039% | 2,909 |
| Net interest margin | 2.2717% | 6,954 |
| Noninterest income to average assets | 0.1254% | 6,510 |
| Noninterest expense to average assets | 2.0435% | 6,285 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1983% | 5,922 |
| Return on assets (ROA) | 0.1983% | 6,089 |
| Pretax return on assets | 0.2271% | 6,085 |
| Return on Equity (ROE) | 1.2438% | 6,204 |
| Retained earnings to average equity (ytd only) | 1.2438% | 5,675 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0000% | 1,043 |
| Assets per employee ($millions) | 3.7762% | 4,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 4,171 |
| Loan loss allowance to noncurrent loans | 547.7273% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 6,614 |
| Noncurrent loans to loans | 0.2642% | 5,958 |
| Net loans and leases to total assets | 20.6974% | 7,017 |
| Net loans and leases to deposits | 24.7039% | 7,028 |
| Net loans and leases to core deposits | 25.3726% | 7,025 |
| Total domestic deposits to total assets | 83.7818% | 4,324 |
| Equity capital to assets | 15.9710% | 611 |
| Core capital (leverage) ratio | 15.8569% | 498 |
| Tier 1 risk-based capital ratio | 46.1436% | 165 |
| Total risk-based capital ratio | 47.0347% | 170 |
| Memoranda: | ||
| Average total assets | $78,685,750 | 5,441 |
| Average earning assets | $74,304,000 | 5,358 |
| Average equity | $12,542,500 | 4,493 |
| Average total loans | $16,836,750 | 6,645 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0846% | 6,938 |
| Cost of funding earning assets | 0.8278% | 2,973 |
| Net interest margin | 2.2568% | 7,025 |
| Noninterest income to average assets | 0.1223% | 6,570 |
| Noninterest expense to average assets | 2.0387% | 6,354 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1886% | 5,951 |
| Return on assets (ROA) | 0.1886% | 6,126 |
| Pretax return on assets | 0.2166% | 6,124 |
| Return on Equity (ROE) | 1.1838% | 6,266 |
| Retained earnings to average equity (ytd only) | 1.1838% | 5,601 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3955% | 1,046 |
| Assets per employee ($millions) | 3.4324% | 5,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4530% | 4,238 |
| Loan loss allowance to noncurrent loans | 730.3030% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 6,725 |
| Noncurrent loans to loans | 0.1990% | 6,186 |
| Net loans and leases to total assets | 20.7043% | 7,072 |
| Net loans and leases to deposits | 24.7990% | 7,084 |
| Net loans and leases to core deposits | 25.4417% | 7,087 |
| Total domestic deposits to total assets | 83.4885% | 4,536 |
| Equity capital to assets | 16.1746% | 546 |
| Core capital (leverage) ratio | 15.6621% | 507 |
| Tier 1 risk-based capital ratio | 46.0834% | 159 |
| Total risk-based capital ratio | 46.9764% | 165 |
| Memoranda: | ||
| Average total assets | $78,481,000 | 5,480 |
| Average earning assets | $74,174,670 | 5,389 |
| Average equity | $12,501,670 | 4,498 |
| Average total loans | $16,897,670 | 6,697 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0428% | 7,030 |
| Cost of funding earning assets | 0.8578% | 3,012 |
| Net interest margin | 2.1850% | 7,098 |
| Noninterest income to average assets | 0.1278% | 6,609 |
| Noninterest expense to average assets | 2.0294% | 6,414 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1380% | 6,149 |
| Return on assets (ROA) | 0.1380% | 6,277 |
| Pretax return on assets | 0.1687% | 6,257 |
| Return on Equity (ROE) | 0.8732% | 6,377 |
| Retained earnings to average equity (ytd only) | 0.8732% | 5,717 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3256% | 927 |
| Assets per employee ($millions) | 3.7942% | 4,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 4,248 |
| Loan loss allowance to noncurrent loans | 708.8235% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 6,801 |
| Noncurrent loans to loans | 0.2090% | 6,268 |
| Net loans and leases to total assets | 20.1147% | 7,139 |
| Net loans and leases to deposits | 23.7733% | 7,146 |
| Net loans and leases to core deposits | 24.3731% | 7,152 |
| Total domestic deposits to total assets | 84.6106% | 4,211 |
| Equity capital to assets | 15.2664% | 699 |
| Core capital (leverage) ratio | 15.7922% | 491 |
| Tier 1 risk-based capital ratio | 46.3354% | 152 |
| Total risk-based capital ratio | 47.2366% | 157 |
| Memoranda: | ||
| Average total assets | $78,249,000 | 5,534 |
| Average earning assets | $74,141,500 | 5,429 |
| Average equity | $12,368,000 | 4,536 |
| Average total loans | $17,053,500 | 6,748 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7528% | 6,786 |
| Cost of funding earning assets | 1.0248% | 3,200 |
| Net interest margin | 2.7280% | 6,902 |
| Noninterest income to average assets | 0.1396% | 6,456 |
| Noninterest expense to average assets | 2.1179% | 6,458 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4292% | 4,737 |
| Return on assets (ROA) | 0.4401% | 4,897 |
| Pretax return on assets | 0.5916% | 4,724 |
| Return on Equity (ROE) | 2.7752% | 5,372 |
| Retained earnings to average equity (ytd only) | 1.6685% | 5,018 |
| Net charge-offs to loans | 0.0109% | 6,276 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 217.0000% | 154 |
| Efficiency ratio | 78.5890% | 2,511 |
| Assets per employee ($millions) | 3.6581% | 4,645 |
| Cash dividends to net income (ytd only)* | 39.8792% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3510% | 4,662 |
| Loan loss allowance to noncurrent loans | 321.3333% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.0976% | 6,711 |
| Noncurrent loans to loans | 0.4204% | 5,871 |
| Net loans and leases to total assets | 22.9081% | 7,172 |
| Net loans and leases to deposits | 27.5356% | 7,176 |
| Net loans and leases to core deposits | 28.2672% | 7,176 |
| Total domestic deposits to total assets | 83.1945% | 4,674 |
| Equity capital to assets | 16.3655% | 532 |
| Core capital (leverage) ratio | 16.1716% | 443 |
| Tier 1 risk-based capital ratio | 45.2066% | 166 |
| Total risk-based capital ratio | 46.0878% | 166 |
| Memoranda: | ||
| Average total assets | $75,217,400 | 5,597 |
| Average earning assets | $70,453,400 | 5,521 |
| Average equity | $11,927,000 | 4,570 |
| Average total loans | $18,334,600 | 6,738 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8784% | 6,755 |
| Cost of funding earning assets | 1.0558% | 3,279 |
| Net interest margin | 2.8225% | 6,861 |
| Noninterest income to average assets | 0.1408% | 6,542 |
| Noninterest expense to average assets | 2.1528% | 6,391 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4662% | 4,693 |
| Return on assets (ROA) | 0.4794% | 4,833 |
| Pretax return on assets | 0.6451% | 4,669 |
| Return on Equity (ROE) | 3.0483% | 5,389 |
| Retained earnings to average equity (ytd only) | 3.0483% | 4,507 |
| Net charge-offs to loans | 0.0145% | 5,949 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 175.7753% | 217 |
| Efficiency ratio | 77.4359% | 2,617 |
| Assets per employee ($millions) | 3.6077% | 4,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 4,973 |
| Loan loss allowance to noncurrent loans | 602.5000% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 6,915 |
| Noncurrent loans to loans | 0.2172% | 6,444 |
| Net loans and leases to total assets | 23.9896% | 7,233 |
| Net loans and leases to deposits | 28.8382% | 7,232 |
| Net loans and leases to core deposits | 29.6130% | 7,234 |
| Total domestic deposits to total assets | 83.1868% | 4,612 |
| Equity capital to assets | 16.5677% | 535 |
| Core capital (leverage) ratio | 16.2761% | 469 |
| Tier 1 risk-based capital ratio | 44.9579% | 183 |
| Total risk-based capital ratio | 45.8293% | 179 |
| Memoranda: | ||
| Average total assets | $74,816,750 | 5,655 |
| Average earning assets | $69,959,000 | 5,583 |
| Average equity | $11,765,750 | 4,627 |
| Average total loans | $18,458,500 | 6,797 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8837% | 6,827 |
| Cost of funding earning assets | 1.0783% | 3,402 |
| Net interest margin | 2.8054% | 6,917 |
| Noninterest income to average assets | 0.1315% | 6,664 |
| Noninterest expense to average assets | 2.1932% | 6,400 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4389% | 4,773 |
| Return on assets (ROA) | 0.4591% | 4,811 |
| Pretax return on assets | 0.6121% | 4,706 |
| Return on Equity (ROE) | 2.9730% | 5,399 |
| Retained earnings to average equity (ytd only) | 2.9730% | 4,390 |
| Net charge-offs to loans | 0.0217% | 5,536 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 109.0000% | 333 |
| Efficiency ratio | 78.9372% | 2,571 |
| Assets per employee ($millions) | 3.6554% | 4,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 4,907 |
| Loan loss allowance to noncurrent loans | 56.1772% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 0.5589% | 5,809 |
| Noncurrent loans to loans | 2.3734% | 3,015 |
| Net loans and leases to total assets | 23.2322% | 7,326 |
| Net loans and leases to deposits | 27.6513% | 7,330 |
| Net loans and leases to core deposits | 28.1320% | 7,341 |
| Total domestic deposits to total assets | 84.0186% | 4,344 |
| Equity capital to assets | 15.8369% | 633 |
| Core capital (leverage) ratio | 15.9448% | 516 |
| Tier 1 risk-based capital ratio | 44.3921% | 183 |
| Total risk-based capital ratio | 45.2593% | 185 |
| Memoranda: | ||
| Average total assets | $74,501,670 | 5,706 |
| Average earning assets | $70,293,330 | 5,625 |
| Average equity | $11,503,670 | 4,685 |
| Average total loans | $18,472,670 | 6,860 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9143% | 6,806 |
| Cost of funding earning assets | 1.1241% | 3,339 |
| Net interest margin | 2.7902% | 6,920 |
| Noninterest income to average assets | 0.1308% | 6,761 |
| Noninterest expense to average assets | 2.2570% | 6,289 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3844% | 5,015 |
| Return on assets (ROA) | 0.4252% | 4,918 |
| Pretax return on assets | 0.5670% | 4,812 |
| Return on Equity (ROE) | 2.7914% | 5,471 |
| Retained earnings to average equity (ytd only) | 2.7914% | 4,494 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4961% | 2,304 |
| Assets per employee ($millions) | 3.4183% | 5,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 4,988 |
| Loan loss allowance to noncurrent loans | 12,150.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 7,205 |
| Noncurrent loans to loans | 0.0109% | 7,046 |
| Net loans and leases to total assets | 23.9685% | 7,377 |
| Net loans and leases to deposits | 28.3912% | 7,381 |
| Net loans and leases to core deposits | 28.7755% | 7,390 |
| Total domestic deposits to total assets | 84.4222% | 4,314 |
| Equity capital to assets | 15.4036% | 683 |
| Core capital (leverage) ratio | 16.2518% | 460 |
| Tier 1 risk-based capital ratio | 43.5585% | 194 |
| Total risk-based capital ratio | 44.4231% | 195 |
| Memoranda: | ||
| Average total assets | $73,370,500 | 5,774 |
| Average earning assets | $69,386,500 | 5,691 |
| Average equity | $11,177,000 | 4,749 |
| Average total loans | $18,671,500 | 6,901 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3173% | 6,760 |
| Cost of funding earning assets | 1.4459% | 2,985 |
| Net interest margin | 2.8714% | 6,934 |
| Noninterest income to average assets | 0.1973% | 6,363 |
| Noninterest expense to average assets | 2.2171% | 6,575 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.5084% | 4,057 |
| Return on assets (ROA) | 0.5084% | 4,215 |
| Pretax return on assets | 0.6906% | 4,006 |
| Return on Equity (ROE) | 3.1678% | 4,887 |
| Retained earnings to average equity (ytd only) | 2.0407% | 4,445 |
| Net charge-offs to loans | -0.0056% | 7,275 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2488% | 3,017 |
| Assets per employee ($millions) | 3.2517% | 5,535 |
| Cash dividends to net income (ytd only)* | 35.5795% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 5,142 |
| 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 | 26.3245% | 7,434 |
| Net loans and leases to deposits | 31.1298% | 7,443 |
| Net loans and leases to core deposits | 31.4385% | 7,456 |
| Total domestic deposits to total assets | 84.5634% | 4,072 |
| Equity capital to assets | 15.0549% | 772 |
| Core capital (leverage) ratio | 16.6089% | 436 |
| Tier 1 risk-based capital ratio | 42.6633% | 200 |
| Total risk-based capital ratio | 43.5155% | 198 |
| Memoranda: | ||
| Average total assets | $72,978,400 | 5,787 |
| Average earning assets | $68,886,400 | 5,703 |
| Average equity | $11,711,600 | 4,690 |
| Average total loans | $17,905,400 | 7,032 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4565% | 6,709 |
| Cost of funding earning assets | 1.5015% | 2,974 |
| Net interest margin | 2.9550% | 6,920 |
| Noninterest income to average assets | 0.2163% | 6,358 |
| Noninterest expense to average assets | 2.2398% | 6,495 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.5600% | 4,051 |
| Return on assets (ROA) | 0.5600% | 4,219 |
| Pretax return on assets | 0.7672% | 4,022 |
| Return on Equity (ROE) | 3.4373% | 5,029 |
| Retained earnings to average equity (ytd only) | 3.4373% | 4,035 |
| Net charge-offs to loans | -0.0076% | 7,242 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4861% | 3,232 |
| Assets per employee ($millions) | 3.3559% | 5,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 4,970 |
| 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 | 25.0091% | 7,550 |
| Net loans and leases to deposits | 30.0927% | 7,558 |
| Net loans and leases to core deposits | 30.3859% | 7,574 |
| Total domestic deposits to total assets | 83.1069% | 4,547 |
| Equity capital to assets | 16.6276% | 571 |
| Core capital (leverage) ratio | 16.5743% | 484 |
| Tier 1 risk-based capital ratio | 44.4582% | 187 |
| Total risk-based capital ratio | 45.3412% | 190 |
| Memoranda: | ||
| Average total assets | $73,338,500 | 5,845 |
| Average earning assets | $69,260,000 | 5,763 |
| Average equity | $11,947,000 | 4,693 |
| Average total loans | $17,613,000 | 7,141 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6223% | 6,395 |
| Cost of funding earning assets | 1.5495% | 2,964 |
| Net interest margin | 3.0728% | 6,673 |
| Noninterest income to average assets | 0.2296% | 6,269 |
| Noninterest expense to average assets | 2.2439% | 6,532 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6368% | 3,696 |
| Return on assets (ROA) | 0.6368% | 3,838 |
| Pretax return on assets | 0.8801% | 3,577 |
| Return on Equity (ROE) | 3.9367% | 4,808 |
| Retained earnings to average equity (ytd only) | 3.9367% | 3,575 |
| Net charge-offs to loans | -0.0116% | 7,218 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8285% | 3,846 |
| Assets per employee ($millions) | 3.3678% | 5,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 4,508 |
| Loan loss allowance to noncurrent loans | 56.5116% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 0.6006% | 5,992 |
| Noncurrent loans to loans | 2.4475% | 3,200 |
| Net loans and leases to total assets | 23.3848% | 7,648 |
| Net loans and leases to deposits | 28.1499% | 7,661 |
| Net loans and leases to core deposits | 28.4219% | 7,673 |
| Total domestic deposits to total assets | 83.0722% | 4,541 |
| Equity capital to assets | 16.5877% | 586 |
| Core capital (leverage) ratio | 16.4397% | 510 |
| Tier 1 risk-based capital ratio | 45.0133% | 183 |
| Total risk-based capital ratio | 45.9129% | 186 |
| Memoranda: | ||
| Average total assets | $73,175,000 | 5,891 |
| Average earning assets | $68,927,000 | 5,803 |
| Average equity | $11,837,330 | 4,723 |
| Average total loans | $17,248,330 | 7,209 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7014% | 6,237 |
| Cost of funding earning assets | 1.6042% | 2,937 |
| Net interest margin | 3.0972% | 6,600 |
| Noninterest income to average assets | 0.3135% | 5,644 |
| Noninterest expense to average assets | 2.2828% | 6,431 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6821% | 3,515 |
| Return on assets (ROA) | 0.6821% | 3,633 |
| Pretax return on assets | 0.9406% | 3,314 |
| Return on Equity (ROE) | 4.2718% | 4,771 |
| Retained earnings to average equity (ytd only) | 4.2718% | 3,583 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8191% | 4,152 |
| Assets per employee ($millions) | 3.4954% | 5,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 4,210 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 7,423 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 22.5737% | 7,751 |
| Net loans and leases to deposits | 27.0659% | 7,767 |
| Net loans and leases to core deposits | 27.3275% | 7,774 |
| Total domestic deposits to total assets | 83.4028% | 4,425 |
| Equity capital to assets | 16.3097% | 631 |
| Core capital (leverage) ratio | 16.4128% | 519 |
| Tier 1 risk-based capital ratio | 45.3174% | 185 |
| Total risk-based capital ratio | 46.2276% | 188 |
| Memoranda: | ||
| Average total assets | $72,717,000 | 5,973 |
| Average earning assets | $68,320,000 | 5,891 |
| Average equity | $11,611,000 | 4,812 |
| Average total loans | $17,088,000 | 7,310 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0272% | 6,343 |
| Cost of funding earning assets | 1.9464% | 3,231 |
| Net interest margin | 3.0808% | 6,429 |
| Noninterest income to average assets | 0.2183% | 6,551 |
| Noninterest expense to average assets | 2.3066% | 6,731 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.5820% | 3,394 |
| Return on assets (ROA) | 0.5820% | 3,473 |
| Pretax return on assets | 0.8017% | 3,237 |
| Return on Equity (ROE) | 3.5798% | 4,260 |
| Retained earnings to average equity (ytd only) | 2.4216% | 3,437 |
| Net charge-offs to loans | -0.0060% | 7,726 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2084% | 3,857 |
| Assets per employee ($millions) | 3.4300% | 5,181 |
| Cash dividends to net income (ytd only)* | 32.3529% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3937% | 4,266 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 6,929 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 23.7707% | 7,812 |
| Net loans and leases to deposits | 28.3210% | 7,833 |
| Net loans and leases to core deposits | 33.6286% | 7,838 |
| Total domestic deposits to total assets | 83.9331% | 4,054 |
| Equity capital to assets | 15.6185% | 763 |
| Core capital (leverage) ratio | 16.6040% | 538 |
| Tier 1 risk-based capital ratio | 43.8827% | 200 |
| Total risk-based capital ratio | 44.7732% | 201 |
| Memoranda: | ||
| Average total assets | $70,102,800 | 5,998 |
| Average earning assets | $65,762,600 | 5,936 |
| Average equity | $11,397,400 | 4,910 |
| Average total loans | $16,567,000 | 7,380 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1139% | 6,215 |
| Cost of funding earning assets | 2.0121% | 3,291 |
| Net interest margin | 3.1018% | 6,312 |
| Noninterest income to average assets | 0.2279% | 6,595 |
| Noninterest expense to average assets | 2.3479% | 6,562 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5803% | 3,679 |
| Return on assets (ROA) | 0.5803% | 3,749 |
| Pretax return on assets | 0.7909% | 3,569 |
| Return on Equity (ROE) | 3.5332% | 4,563 |
| Retained earnings to average equity (ytd only) | 3.5332% | 3,318 |
| Net charge-offs to loans | -0.0081% | 7,661 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8017% | 3,725 |
| Assets per employee ($millions) | 3.3084% | 5,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4714% | 3,587 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2231% | 6,961 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 23.3246% | 7,909 |
| Net loans and leases to deposits | 28.0451% | 7,931 |
| Net loans and leases to core deposits | 33.1764% | 7,930 |
| Total domestic deposits to total assets | 83.1683% | 4,138 |
| Equity capital to assets | 16.5654% | 699 |
| Core capital (leverage) ratio | 16.8644% | 570 |
| Tier 1 risk-based capital ratio | 46.4444% | 198 |
| Total risk-based capital ratio | 47.3848% | 197 |
| Memoranda: | ||
| Average total assets | $69,621,000 | 6,053 |
| Average earning assets | $65,336,500 | 5,989 |
| Average equity | $11,434,250 | 4,938 |
| Average total loans | $16,367,750 | 7,454 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1465% | 6,266 |
| Cost of funding earning assets | 2.0751% | 3,392 |
| Net interest margin | 3.0714% | 6,331 |
| Noninterest income to average assets | 0.2325% | 6,617 |
| Noninterest expense to average assets | 2.3109% | 6,729 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6000% | 3,673 |
| Return on assets (ROA) | 0.6000% | 3,783 |
| Pretax return on assets | 0.8067% | 3,650 |
| Return on Equity (ROE) | 3.6637% | 4,637 |
| Retained earnings to average equity (ytd only) | 3.6637% | 3,260 |
| Net charge-offs to loans | -0.0122% | 7,631 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1252% | 4,016 |
| Assets per employee ($millions) | 3.3757% | 5,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5384% | 2,995 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 6,956 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 21.8497% | 8,017 |
| Net loans and leases to deposits | 26.0736% | 8,027 |
| Net loans and leases to core deposits | 30.6282% | 8,032 |
| Total domestic deposits to total assets | 83.8000% | 3,873 |
| Equity capital to assets | 15.8826% | 849 |
| Core capital (leverage) ratio | 16.7656% | 645 |
| Tier 1 risk-based capital ratio | 46.2751% | 211 |
| Total risk-based capital ratio | 47.2195% | 213 |
| Memoranda: | ||
| Average total assets | $69,669,330 | 6,091 |
| Average earning assets | $65,442,000 | 6,028 |
| Average equity | $11,409,330 | 4,973 |
| Average total loans | $16,341,330 | 7,522 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4017% | 5,419 |
| Cost of funding earning assets | 2.1755% | 3,292 |
| Net interest margin | 3.2262% | 5,774 |
| Noninterest income to average assets | 0.2085% | 6,804 |
| Noninterest expense to average assets | 2.2300% | 6,761 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7066% | 3,521 |
| Return on assets (ROA) | 0.7066% | 3,717 |
| Pretax return on assets | 1.0020% | 3,338 |
| Return on Equity (ROE) | 4.2492% | 4,814 |
| Retained earnings to average equity (ytd only) | 4.2492% | 3,543 |
| Net charge-offs to loans | -0.0240% | 7,486 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9964% | 4,776 |
| Assets per employee ($millions) | 3.1616% | 5,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5097% | 2,929 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3968% | 6,309 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 22.6986% | 8,057 |
| Net loans and leases to deposits | 27.2132% | 8,073 |
| Net loans and leases to core deposits | 31.5508% | 8,072 |
| Total domestic deposits to total assets | 83.4103% | 3,949 |
| Equity capital to assets | 16.2260% | 834 |
| Core capital (leverage) ratio | 17.0184% | 650 |
| Tier 1 risk-based capital ratio | 46.2082% | 239 |
| Total risk-based capital ratio | 47.1581% | 242 |
| Memoranda: | ||
| Average total assets | $69,059,500 | 6,142 |
| Average earning assets | $64,720,500 | 6,080 |
| Average equity | $11,484,500 | 4,981 |
| Average total loans | $16,646,500 | 7,550 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6344% | 6,975 |
| Cost of funding earning assets | 2.7021% | 3,145 |
| Net interest margin | 2.9324% | 7,074 |
| Noninterest income to average assets | 0.2405% | 6,726 |
| Noninterest expense to average assets | 2.1611% | 7,091 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5894% | 4,353 |
| Return on assets (ROA) | 0.6255% | 4,054 |
| Pretax return on assets | 0.8718% | 3,820 |
| Return on Equity (ROE) | 3.7109% | 4,940 |
| Retained earnings to average equity (ytd only) | 2.5556% | 3,608 |
| Net charge-offs to loans | 0.1582% | 4,615 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 19.8929% | 1,603 |
| Efficiency ratio | 72.4530% | 3,854 |
| Assets per employee ($millions) | 3.1165% | 5,729 |
| Cash dividends to net income (ytd only)* | 31.1321% | 4,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3960% | 3,221 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4025% | 6,011 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 24.8264% | 8,093 |
| Net loans and leases to deposits | 30.3839% | 8,111 |
| Net loans and leases to core deposits | 34.9434% | 8,117 |
| Total domestic deposits to total assets | 81.7091% | 4,317 |
| Equity capital to assets | 17.0396% | 778 |
| Core capital (leverage) ratio | 17.0708% | 690 |
| Tier 1 risk-based capital ratio | 45.0485% | 262 |
| Total risk-based capital ratio | 45.9804% | 263 |
| Memoranda: | ||
| Average total assets | $67,788,400 | 6,095 |
| Average earning assets | $63,396,200 | 6,040 |
| Average equity | $11,425,800 | 4,992 |
| Average total loans | $17,698,200 | 7,482 |