Home > BankStar Financial > Performance and Condition Ratios
BankStar Financial, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4312% | 1,255 |
| Cost of funding earning assets | 2.0982% | 786 |
| Net interest margin | 3.3330% | 2,552 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 2.5099% | 2,267 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.7347% | 3,094 |
| Return on assets (ROA) | 0.7347% | 3,077 |
| Pretax return on assets | 0.7782% | 3,260 |
| Return on Equity (ROE) | 9.7300% | 2,577 |
| Retained earnings to average equity (ytd only) | 7.5314% | 1,691 |
| Net charge-offs to loans | 0.0078% | 2,384 |
| Credit loss provision to net charge-offs | 1,176.4706% | 359 |
| Earnings coverage of net charge-offs (x) | 136.0588% | 760 |
| Efficiency ratio | 74.5618% | 1,398 |
| Assets per employee ($millions) | 7.6375% | 1,630 |
| Cash dividends to net income (ytd only)* | 22.5564% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 3,447 |
| Loan loss allowance to noncurrent loans | 516.4811% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.1507% | 2,516 |
| Noncurrent loans to loans | 0.1883% | 2,572 |
| Net loans and leases to total assets | 79.2800% | 728 |
| Net loans and leases to deposits | 102.8335% | 405 |
| Net loans and leases to core deposits | 117.6304% | 697 |
| Total domestic deposits to total assets | 77.1000% | 3,842 |
| Equity capital to assets | 7.3903% | 3,776 |
| Core capital (leverage) ratio | 7.9372% | 4,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8796% | 2,832 |
| Memoranda: | ||
| Average total assets | $271,521,400 | 2,573 |
| Average earning assets | $252,264,800 | 2,561 |
| Average equity | $20,514,000 | 2,817 |
| Average total loans | $218,959,000 | 2,170 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2769% | 1,316 |
| Cost of funding earning assets | 1.9384% | 798 |
| Net interest margin | 3.3385% | 2,599 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.5178% | 2,174 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.7569% | 3,144 |
| Return on assets (ROA) | 0.7569% | 3,141 |
| Pretax return on assets | 0.7896% | 3,359 |
| Return on Equity (ROE) | 9.9600% | 2,647 |
| Retained earnings to average equity (ytd only) | 6.9779% | 2,294 |
| Net charge-offs to loans | 0.0118% | 1,962 |
| Credit loss provision to net charge-offs | 789.4737% | 470 |
| Earnings coverage of net charge-offs (x) | 90.4737% | 971 |
| Efficiency ratio | 74.3231% | 1,337 |
| Assets per employee ($millions) | 7.2255% | 1,809 |
| Cash dividends to net income (ytd only)* | 29.9202% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 3,420 |
| Loan loss allowance to noncurrent loans | 617.9837% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.1302% | 2,685 |
| Noncurrent loans to loans | 0.1601% | 2,752 |
| Net loans and leases to total assets | 80.5600% | 585 |
| Net loans and leases to deposits | 100.0546% | 515 |
| Net loans and leases to core deposits | 113.6459% | 745 |
| Total domestic deposits to total assets | 80.5200% | 3,456 |
| Equity capital to assets | 7.0200% | 3,599 |
| Core capital (leverage) ratio | 8.0645% | 4,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1146% | 2,805 |
| Memoranda: | ||
| Average total assets | $264,935,750 | 2,602 |
| Average earning assets | $247,412,750 | 2,591 |
| Average equity | $20,139,250 | 2,837 |
| Average total loans | $214,080,000 | 2,205 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1079% | 1,360 |
| Cost of funding earning assets | 1.6990% | 885 |
| Net interest margin | 3.4088% | 2,494 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.4773% | 2,269 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.8453% | 2,941 |
| Return on assets (ROA) | 0.8453% | 2,950 |
| Pretax return on assets | 0.8823% | 3,214 |
| Return on Equity (ROE) | 10.8200% | 2,473 |
| Retained earnings to average equity (ytd only) | 6.3776% | 2,487 |
| Net charge-offs to loans | 0.0163% | 1,597 |
| Credit loss provision to net charge-offs | 588.2353% | 583 |
| Earnings coverage of net charge-offs (x) | 73.1765% | 1,094 |
| Efficiency ratio | 71.9704% | 1,564 |
| Assets per employee ($millions) | 7.0541% | 1,886 |
| Cash dividends to net income (ytd only)* | 41.0584% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 3,313 |
| Loan loss allowance to noncurrent loans | 527.0784% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.1571% | 2,450 |
| Noncurrent loans to loans | 0.1945% | 2,489 |
| Net loans and leases to total assets | 79.9000% | 638 |
| Net loans and leases to deposits | 99.5385% | 535 |
| Net loans and leases to core deposits | 106.8003% | 952 |
| Total domestic deposits to total assets | 80.2700% | 3,535 |
| Equity capital to assets | 7.6835% | 3,413 |
| Core capital (leverage) ratio | 8.3269% | 4,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5653% | 2,746 |
| Memoranda: | ||
| Average total assets | $259,315,667 | 2,640 |
| Average earning assets | $242,724,000 | 2,624 |
| Average equity | $20,258,333 | 2,840 |
| Average total loans | $209,008,333 | 2,229 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9737% | 1,279 |
| Cost of funding earning assets | 1.5087% | 831 |
| Net interest margin | 3.4650% | 2,459 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.4852% | 2,285 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.8770% | 2,932 |
| Return on assets (ROA) | 0.8770% | 2,888 |
| Pretax return on assets | 0.9163% | 3,191 |
| Return on Equity (ROE) | 11.1300% | 2,459 |
| Retained earnings to average equity (ytd only) | 2.1703% | 3,668 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.3255% | 1,597 |
| Assets per employee ($millions) | 7.0245% | 1,963 |
| Cash dividends to net income (ytd only)* | 80.5009% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 3,215 |
| Loan loss allowance to noncurrent loans | 566.3212% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 2,443 |
| Noncurrent loans to loans | 0.1885% | 2,532 |
| Net loans and leases to total assets | 80.1000% | 532 |
| Net loans and leases to deposits | 92.0727% | 912 |
| Net loans and leases to core deposits | 97.8445% | 1,186 |
| Total domestic deposits to total assets | 86.9900% | 2,267 |
| Equity capital to assets | 8.0587% | 3,202 |
| Core capital (leverage) ratio | 8.3111% | 4,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9637% | 2,736 |
| Memoranda: | ||
| Average total assets | $254,946,000 | 2,696 |
| Average earning assets | $238,617,500 | 2,681 |
| Average equity | $20,089,500 | 2,885 |
| Average total loans | $205,309,000 | 2,267 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3705% | 930 |
| Cost of funding earning assets | 0.6816% | 636 |
| Net interest margin | 3.6889% | 1,404 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.3609% | 2,539 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.2190% | 1,702 |
| Return on assets (ROA) | 1.0337% | 2,380 |
| Pretax return on assets | 1.0873% | 2,811 |
| Return on Equity (ROE) | 12.4000% | 2,007 |
| Retained earnings to average equity (ytd only) | 8.0075% | 1,825 |
| Net charge-offs to loans | -0.0231% | 4,109 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.2442% | 2,596 |
| Assets per employee ($millions) | 7.1392% | 1,869 |
| Cash dividends to net income (ytd only)* | 35.4394% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 3,166 |
| Loan loss allowance to noncurrent loans | 601.6901% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.1381% | 2,563 |
| Noncurrent loans to loans | 0.1724% | 2,620 |
| Net loans and leases to total assets | 79.2800% | 672 |
| Net loans and leases to deposits | 92.7675% | 867 |
| Net loans and leases to core deposits | 98.7003% | 1,069 |
| Total domestic deposits to total assets | 85.4600% | 2,870 |
| Equity capital to assets | 7.7040% | 3,251 |
| Core capital (leverage) ratio | 8.4276% | 4,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7923% | 2,792 |
| Memoranda: | ||
| Average total assets | $238,854,600 | 2,784 |
| Average earning assets | $222,859,600 | 2,788 |
| Average equity | $19,906,400 | 2,959 |
| Average total loans | $186,346,000 | 2,331 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2261% | 848 |
| Cost of funding earning assets | 0.4858% | 810 |
| Net interest margin | 3.7402% | 1,053 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.3222% | 2,566 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.3065% | 1,329 |
| Return on assets (ROA) | 1.3065% | 1,296 |
| Pretax return on assets | 1.3691% | 1,819 |
| Return on Equity (ROE) | 15.3600% | 1,103 |
| Retained earnings to average equity (ytd only) | 12.5149% | 689 |
| Net charge-offs to loans | -0.0301% | 4,135 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.3832% | 2,919 |
| Assets per employee ($millions) | 7.1999% | 1,810 |
| Cash dividends to net income (ytd only)* | 18.5105% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 3,161 |
| Loan loss allowance to noncurrent loans | 588.7006% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 2,598 |
| Noncurrent loans to loans | 0.1813% | 2,680 |
| Net loans and leases to total assets | 78.9100% | 623 |
| Net loans and leases to deposits | 89.5739% | 917 |
| Net loans and leases to core deposits | 95.7854% | 1,010 |
| Total domestic deposits to total assets | 88.0900% | 2,399 |
| Equity capital to assets | 7.5973% | 3,155 |
| Core capital (leverage) ratio | 8.8377% | 3,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7645% | 2,565 |
| Memoranda: | ||
| Average total assets | $234,315,750 | 2,845 |
| Average earning assets | $218,733,000 | 2,830 |
| Average equity | $19,933,000 | 3,005 |
| Average total loans | $181,461,500 | 2,366 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0362% | 887 |
| Cost of funding earning assets | 0.3820% | 1,036 |
| Net interest margin | 3.6542% | 987 |
| Noninterest income to average assets | 0.2547% | 3,644 |
| Noninterest expense to average assets | 2.3577% | 2,377 |
| Loan and lease loss provision to assets | 0.0866% | 1,144 |
| Net operating income to assets | 1.1645% | 1,559 |
| Return on assets (ROA) | 1.1645% | 1,534 |
| Pretax return on assets | 1.2252% | 1,982 |
| Return on Equity (ROE) | 13.1907% | 1,329 |
| Retained earnings to average equity (ytd only) | 9.0195% | 1,281 |
| Net charge-offs to loans | -0.0464% | 4,210 |
| Credit loss provision to net charge-offs | -243.9024% | 3,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1322% | 2,754 |
| Assets per employee ($millions) | 7.1627% | 1,835 |
| Cash dividends to net income (ytd only)* | 31.6220% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1019% | 3,153 |
| Loan loss allowance to noncurrent loans | 361.9217% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.2378% | 2,133 |
| Noncurrent loans to loans | 0.3045% | 2,240 |
| Net loans and leases to total assets | 77.2355% | 619 |
| Net loans and leases to deposits | 86.6873% | 930 |
| Net loans and leases to core deposits | 93.5735% | 937 |
| Total domestic deposits to total assets | 89.0967% | 2,139 |
| Equity capital to assets | 8.1775% | 2,985 |
| Core capital (leverage) ratio | 8.7134% | 3,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2855% | 2,378 |
| Memoranda: | ||
| Average total assets | $230,821,667 | 2,881 |
| Average earning assets | $215,696,667 | 2,880 |
| Average equity | $20,378,000 | 3,034 |
| Average total loans | $176,868,000 | 2,400 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9167% | 899 |
| Cost of funding earning assets | 0.3447% | 1,250 |
| Net interest margin | 3.5720% | 939 |
| Noninterest income to average assets | 0.2596% | 3,582 |
| Noninterest expense to average assets | 2.3133% | 2,451 |
| Loan and lease loss provision to assets | 0.0877% | 943 |
| Net operating income to assets | 1.1435% | 1,397 |
| Return on assets (ROA) | 1.1435% | 1,394 |
| Pretax return on assets | 1.2031% | 1,806 |
| Return on Equity (ROE) | 12.4770% | 1,171 |
| Retained earnings to average equity (ytd only) | 4.3440% | 2,824 |
| Net charge-offs to loans | -0.1040% | 4,465 |
| Credit loss provision to net charge-offs | -111.1111% | 2,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0876% | 3,014 |
| Assets per employee ($millions) | 7.1942% | 1,864 |
| Cash dividends to net income (ytd only)* | 65.1840% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 3,168 |
| Loan loss allowance to noncurrent loans | 300.3021% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2997% | 1,920 |
| Noncurrent loans to loans | 0.3784% | 2,133 |
| Net loans and leases to total assets | 75.1214% | 570 |
| Net loans and leases to deposits | 84.7517% | 830 |
| Net loans and leases to core deposits | 91.9625% | 817 |
| Total domestic deposits to total assets | 88.6371% | 2,239 |
| Equity capital to assets | 8.6029% | 3,077 |
| Core capital (leverage) ratio | 8.6159% | 3,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5053% | 2,412 |
| Memoranda: | ||
| Average total assets | $228,075,000 | 2,909 |
| Average earning assets | $213,548,000 | 2,905 |
| Average equity | $20,902,500 | 3,067 |
| Average total loans | $173,005,000 | 2,433 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6680% | 446 |
| Cost of funding earning assets | 0.4202% | 1,391 |
| Net interest margin | 4.2477% | 452 |
| Noninterest income to average assets | 0.2835% | 3,697 |
| Noninterest expense to average assets | 2.4462% | 2,348 |
| Loan and lease loss provision to assets | 0.0906% | 1,373 |
| Net operating income to assets | 1.5992% | 808 |
| Return on assets (ROA) | 1.5992% | 843 |
| Pretax return on assets | 1.6794% | 1,203 |
| Return on Equity (ROE) | 16.2220% | 716 |
| Retained earnings to average equity (ytd only) | 6.5742% | 2,095 |
| Net charge-offs to loans | -0.0312% | 4,137 |
| Credit loss provision to net charge-offs | -377.3585% | 3,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3638% | 3,539 |
| Assets per employee ($millions) | 7.2883% | 1,738 |
| Cash dividends to net income (ytd only)* | 59.4732% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 3,330 |
| Loan loss allowance to noncurrent loans | 204.6486% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.4094% | 1,598 |
| Noncurrent loans to loans | 0.5407% | 1,772 |
| Net loans and leases to total assets | 74.8836% | 594 |
| Net loans and leases to deposits | 87.0457% | 712 |
| Net loans and leases to core deposits | 94.5290% | 757 |
| Total domestic deposits to total assets | 86.0279% | 2,896 |
| Equity capital to assets | 9.7373% | 2,902 |
| Core capital (leverage) ratio | 8.5137% | 3,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6960% | 2,363 |
| Memoranda: | ||
| Average total assets | $220,795,600 | 2,898 |
| Average earning assets | $204,414,600 | 2,921 |
| Average equity | $21,766,800 | 3,077 |
| Average total loans | $169,676,200 | 2,469 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7171% | 477 |
| Cost of funding earning assets | 0.4388% | 1,427 |
| Net interest margin | 4.2783% | 473 |
| Noninterest income to average assets | 0.2837% | 3,745 |
| Noninterest expense to average assets | 2.4375% | 2,318 |
| Loan and lease loss provision to assets | 0.0911% | 1,313 |
| Net operating income to assets | 1.6224% | 977 |
| Return on assets (ROA) | 1.6224% | 1,025 |
| Pretax return on assets | 1.7050% | 1,392 |
| Return on Equity (ROE) | 16.4048% | 865 |
| Retained earnings to average equity (ytd only) | 10.8772% | 1,086 |
| Net charge-offs to loans | -0.0441% | 4,290 |
| Credit loss provision to net charge-offs | -267.8571% | 3,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9010% | 3,428 |
| Assets per employee ($millions) | 6.7529% | 2,052 |
| Cash dividends to net income (ytd only)* | 33.6952% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 3,582 |
| Loan loss allowance to noncurrent loans | 131.6690% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.6291% | 1,211 |
| Noncurrent loans to loans | 0.8117% | 1,404 |
| Net loans and leases to total assets | 76.6842% | 495 |
| Net loans and leases to deposits | 91.1738% | 536 |
| Net loans and leases to core deposits | 99.6955% | 598 |
| Total domestic deposits to total assets | 84.1078% | 3,432 |
| Equity capital to assets | 10.0963% | 2,808 |
| Core capital (leverage) ratio | 8.9233% | 3,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5558% | 2,524 |
| Memoranda: | ||
| Average total assets | $219,510,500 | 2,938 |
| Average earning assets | $202,661,750 | 2,966 |
| Average equity | $21,708,500 | 3,119 |
| Average total loans | $169,324,750 | 2,506 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6651% | 563 |
| Cost of funding earning assets | 0.4480% | 1,534 |
| Net interest margin | 4.2171% | 568 |
| Noninterest income to average assets | 0.2610% | 3,830 |
| Noninterest expense to average assets | 2.4332% | 2,358 |
| Loan and lease loss provision to assets | 0.0916% | 1,368 |
| Net operating income to assets | 1.5696% | 1,118 |
| Return on assets (ROA) | 1.5696% | 1,178 |
| Pretax return on assets | 1.6502% | 1,614 |
| Return on Equity (ROE) | 15.9851% | 958 |
| Retained earnings to average equity (ytd only) | 10.3894% | 1,289 |
| Net charge-offs to loans | -0.0618% | 4,454 |
| Credit loss provision to net charge-offs | -192.3077% | 3,190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6004% | 3,328 |
| Assets per employee ($millions) | 6.7542% | 1,980 |
| Cash dividends to net income (ytd only)* | 35.0058% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0237% | 3,751 |
| Loan loss allowance to noncurrent loans | 110.3448% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.7286% | 1,131 |
| Noncurrent loans to loans | 0.9278% | 1,332 |
| Net loans and leases to total assets | 77.7301% | 462 |
| Net loans and leases to deposits | 93.1933% | 489 |
| Net loans and leases to core deposits | 99.7737% | 666 |
| Total domestic deposits to total assets | 83.4074% | 3,604 |
| Equity capital to assets | 9.8242% | 3,032 |
| Core capital (leverage) ratio | 8.6663% | 3,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2043% | 2,645 |
| Memoranda: | ||
| Average total assets | $218,399,000 | 2,951 |
| Average earning assets | $202,698,667 | 2,961 |
| Average equity | $21,445,000 | 3,133 |
| Average total loans | $168,188,667 | 2,527 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6228% | 634 |
| Cost of funding earning assets | 0.4668% | 1,609 |
| Net interest margin | 4.1560% | 660 |
| Noninterest income to average assets | 0.2461% | 3,920 |
| Noninterest expense to average assets | 2.2891% | 2,825 |
| Loan and lease loss provision to assets | 0.0925% | 1,445 |
| Net operating income to assets | 1.6507% | 1,019 |
| Return on assets (ROA) | 1.6507% | 1,070 |
| Pretax return on assets | 1.7358% | 1,420 |
| Return on Equity (ROE) | 16.8151% | 878 |
| Retained earnings to average equity (ytd only) | 11.1598% | 1,363 |
| Net charge-offs to loans | -0.1262% | 4,702 |
| Credit loss provision to net charge-offs | -96.1538% | 2,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8764% | 3,689 |
| Assets per employee ($millions) | 6.6163% | 2,081 |
| Cash dividends to net income (ytd only)* | 33.6323% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0424% | 3,683 |
| Loan loss allowance to noncurrent loans | 105.5118% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.7562% | 1,207 |
| Noncurrent loans to loans | 0.9879% | 1,362 |
| Net loans and leases to total assets | 75.7431% | 649 |
| Net loans and leases to deposits | 89.3523% | 739 |
| Net loans and leases to core deposits | 98.3438% | 789 |
| Total domestic deposits to total assets | 84.7690% | 3,198 |
| Equity capital to assets | 9.8068% | 2,887 |
| Core capital (leverage) ratio | 8.6885% | 3,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5696% | 2,462 |
| Memoranda: | ||
| Average total assets | $216,154,500 | 2,956 |
| Average earning assets | $201,349,500 | 2,960 |
| Average equity | $21,219,000 | 3,138 |
| Average total loans | $164,761,500 | 2,551 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6967% | 899 |
| Cost of funding earning assets | 0.7918% | 1,245 |
| Net interest margin | 3.9049% | 1,202 |
| Noninterest income to average assets | 0.2693% | 3,868 |
| Noninterest expense to average assets | 2.2810% | 3,461 |
| Loan and lease loss provision to assets | 0.1913% | 2,037 |
| Net operating income to assets | 1.3292% | 1,180 |
| Return on assets (ROA) | 1.3292% | 1,275 |
| Pretax return on assets | 1.3942% | 1,676 |
| Return on Equity (ROE) | 13.7231% | 878 |
| Retained earnings to average equity (ytd only) | 8.0442% | 1,037 |
| Net charge-offs to loans | 0.0061% | 3,122 |
| Credit loss provision to net charge-offs | 4,000.0000% | 261 |
| Earnings coverage of net charge-offs (x) | 331.5000% | 322 |
| Efficiency ratio | 58.2014% | 3,698 |
| Assets per employee ($millions) | 6.4840% | 1,933 |
| Cash dividends to net income (ytd only)* | 41.3818% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0098% | 3,829 |
| Loan loss allowance to noncurrent loans | 87.6537% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 0.8744% | 1,143 |
| Noncurrent loans to loans | 1.1521% | 1,233 |
| Net loans and leases to total assets | 75.1340% | 884 |
| Net loans and leases to deposits | 88.5943% | 1,033 |
| Net loans and leases to core deposits | 99.2132% | 945 |
| Total domestic deposits to total assets | 84.8068% | 2,838 |
| Equity capital to assets | 9.8266% | 3,286 |
| Core capital (leverage) ratio | 8.3138% | 4,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2811% | 2,523 |
| Memoranda: | ||
| Average total assets | $209,079,400 | 2,868 |
| Average earning assets | $192,604,800 | 2,885 |
| Average equity | $20,250,600 | 3,170 |
| Average total loans | $162,616,600 | 2,549 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7755% | 918 |
| Cost of funding earning assets | 0.8732% | 1,162 |
| Net interest margin | 3.9024% | 1,346 |
| Noninterest income to average assets | 0.2566% | 3,946 |
| Noninterest expense to average assets | 2.2521% | 3,547 |
| Loan and lease loss provision to assets | 0.1924% | 2,058 |
| Net operating income to assets | 1.3304% | 1,285 |
| Return on assets (ROA) | 1.3304% | 1,370 |
| Pretax return on assets | 1.3984% | 1,744 |
| Return on Equity (ROE) | 13.7872% | 916 |
| Retained earnings to average equity (ytd only) | 11.7929% | 460 |
| Net charge-offs to loans | 0.0115% | 2,697 |
| Credit loss provision to net charge-offs | 2,142.8571% | 446 |
| Earnings coverage of net charge-offs (x) | 177.1429% | 530 |
| Efficiency ratio | 57.8201% | 3,691 |
| Assets per employee ($millions) | 6.5203% | 1,815 |
| Cash dividends to net income (ytd only)* | 14.4648% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9084% | 4,046 |
| Loan loss allowance to noncurrent loans | 78.0885% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 0.9142% | 1,253 |
| Noncurrent loans to loans | 1.1633% | 1,301 |
| Net loans and leases to total assets | 77.8728% | 844 |
| Net loans and leases to deposits | 92.6893% | 1,021 |
| Net loans and leases to core deposits | 107.2508% | 798 |
| Total domestic deposits to total assets | 84.0150% | 2,817 |
| Equity capital to assets | 9.8248% | 3,401 |
| Core capital (leverage) ratio | 8.4319% | 4,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2282% | 2,521 |
| Memoranda: | ||
| Average total assets | $207,856,500 | 2,860 |
| Average earning assets | $191,024,250 | 2,883 |
| Average equity | $20,056,750 | 3,182 |
| Average total loans | $162,669,500 | 2,552 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8184% | 1,123 |
| Cost of funding earning assets | 0.9726% | 1,064 |
| Net interest margin | 3.8459% | 1,700 |
| Noninterest income to average assets | 0.2278% | 4,120 |
| Noninterest expense to average assets | 2.2802% | 3,573 |
| Loan and lease loss provision to assets | 0.1947% | 2,089 |
| Net operating income to assets | 1.2190% | 1,591 |
| Return on assets (ROA) | 1.2190% | 1,713 |
| Pretax return on assets | 1.2988% | 2,033 |
| Return on Equity (ROE) | 12.7135% | 1,169 |
| Retained earnings to average equity (ytd only) | 10.6826% | 659 |
| Net charge-offs to loans | 0.0199% | 2,328 |
| Credit loss provision to net charge-offs | 1,250.0000% | 682 |
| Earnings coverage of net charge-offs (x) | 95.8750% | 717 |
| Efficiency ratio | 59.6233% | 3,462 |
| Assets per employee ($millions) | 6.9281% | 1,481 |
| Cash dividends to net income (ytd only)* | 15.9744% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8429% | 4,213 |
| Loan loss allowance to noncurrent loans | 195.3678% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3418% | 2,933 |
| Noncurrent loans to loans | 0.4314% | 2,873 |
| Net loans and leases to total assets | 78.5456% | 780 |
| Net loans and leases to deposits | 95.8325% | 816 |
| Net loans and leases to core deposits | 111.3000% | 693 |
| Total domestic deposits to total assets | 81.9613% | 3,384 |
| Equity capital to assets | 9.5185% | 3,646 |
| Core capital (leverage) ratio | 8.2419% | 4,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7451% | 2,716 |
| Memoranda: | ||
| Average total assets | $205,418,667 | 2,857 |
| Average earning assets | $189,398,667 | 2,874 |
| Average equity | $19,695,667 | 3,206 |
| Average total loans | $160,527,667 | 2,562 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8407% | 1,330 |
| Cost of funding earning assets | 1.1443% | 921 |
| Net interest margin | 3.6964% | 2,336 |
| Noninterest income to average assets | 0.2511% | 4,046 |
| Noninterest expense to average assets | 2.3692% | 3,607 |
| Loan and lease loss provision to assets | 0.0996% | 2,441 |
| Net operating income to assets | 1.1338% | 1,742 |
| Return on assets (ROA) | 1.1338% | 1,845 |
| Pretax return on assets | 1.1936% | 2,223 |
| Return on Equity (ROE) | 11.7793% | 1,168 |
| Retained earnings to average equity (ytd only) | 9.7091% | 803 |
| Net charge-offs to loans | 0.0488% | 1,522 |
| Credit loss provision to net charge-offs | 263.1579% | 1,257 |
| Earnings coverage of net charge-offs (x) | 34.1579% | 1,107 |
| Efficiency ratio | 63.8194% | 3,260 |
| Assets per employee ($millions) | 6.5277% | 1,327 |
| Cash dividends to net income (ytd only)* | 17.5747% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8123% | 4,383 |
| Loan loss allowance to noncurrent loans | 181.1881% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.3494% | 3,038 |
| Noncurrent loans to loans | 0.4483% | 2,907 |
| Net loans and leases to total assets | 77.3026% | 1,081 |
| Net loans and leases to deposits | 97.2043% | 797 |
| Net loans and leases to core deposits | 111.7183% | 770 |
| Total domestic deposits to total assets | 79.5259% | 3,950 |
| Equity capital to assets | 9.7921% | 3,963 |
| Core capital (leverage) ratio | 8.4592% | 4,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8515% | 2,773 |
| Memoranda: | ||
| Average total assets | $200,742,000 | 2,863 |
| Average earning assets | $185,261,500 | 2,871 |
| Average equity | $19,322,000 | 3,236 |
| Average total loans | $155,727,500 | 2,581 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1043% | 1,206 |
| Cost of funding earning assets | 1.3498% | 659 |
| Net interest margin | 3.7544% | 2,650 |
| Noninterest income to average assets | 0.3111% | 3,836 |
| Noninterest expense to average assets | 2.3891% | 3,714 |
| Loan and lease loss provision to assets | 0.1046% | 1,977 |
| Net operating income to assets | 1.2035% | 2,043 |
| Return on assets (ROA) | 1.2035% | 2,140 |
| Pretax return on assets | 1.2636% | 2,631 |
| Return on Equity (ROE) | 12.6223% | 1,292 |
| Retained earnings to average equity (ytd only) | 5.3296% | 2,262 |
| Net charge-offs to loans | 0.1484% | 1,333 |
| Credit loss provision to net charge-offs | 91.7431% | 2,632 |
| Earnings coverage of net charge-offs (x) | 12.0046% | 2,444 |
| Efficiency ratio | 62.7383% | 3,255 |
| Assets per employee ($millions) | 6.2227% | 1,471 |
| Cash dividends to net income (ytd only)* | 57.7758% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8130% | 4,266 |
| Loan loss allowance to noncurrent loans | 220.0704% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.2852% | 3,284 |
| Noncurrent loans to loans | 0.3694% | 3,122 |
| Net loans and leases to total assets | 76.5827% | 1,315 |
| Net loans and leases to deposits | 91.5024% | 1,427 |
| Net loans and leases to core deposits | 108.8084% | 925 |
| Total domestic deposits to total assets | 83.6947% | 2,956 |
| Equity capital to assets | 9.4558% | 4,384 |
| Core capital (leverage) ratio | 8.0630% | 5,019 |
| Tier 1 risk-based capital ratio | 11.9452% | 4,392 |
| Total risk-based capital ratio | 12.8751% | 4,447 |
| Memoranda: | ||
| Average total assets | $191,282,000 | 2,911 |
| Average earning assets | $175,578,600 | 2,928 |
| Average equity | $18,237,600 | 3,316 |
| Average total loans | $146,919,000 | 2,654 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1316% | 1,205 |
| Cost of funding earning assets | 1.3523% | 673 |
| Net interest margin | 3.7793% | 2,658 |
| Noninterest income to average assets | 0.2958% | 3,969 |
| Noninterest expense to average assets | 2.3635% | 3,785 |
| Loan and lease loss provision to assets | 0.1056% | 1,830 |
| Net operating income to assets | 1.2233% | 2,117 |
| Return on assets (ROA) | 1.2233% | 2,190 |
| Pretax return on assets | 1.2867% | 2,710 |
| Return on Equity (ROE) | 12.8025% | 1,351 |
| Retained earnings to average equity (ytd only) | 9.5964% | 870 |
| Net charge-offs to loans | 0.1864% | 925 |
| Credit loss provision to net charge-offs | 73.8916% | 2,578 |
| Earnings coverage of net charge-offs (x) | 9.7389% | 2,551 |
| Efficiency ratio | 62.0664% | 3,316 |
| Assets per employee ($millions) | 6.4992% | 1,273 |
| Cash dividends to net income (ytd only)* | 25.0434% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7935% | 4,423 |
| Loan loss allowance to noncurrent loans | 177.6316% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.3395% | 3,168 |
| Noncurrent loans to loans | 0.4467% | 2,967 |
| Net loans and leases to total assets | 75.3919% | 1,584 |
| Net loans and leases to deposits | 91.6471% | 1,481 |
| Net loans and leases to core deposits | 109.8039% | 959 |
| Total domestic deposits to total assets | 82.2632% | 3,397 |
| Equity capital to assets | 9.4891% | 4,467 |
| Core capital (leverage) ratio | 8.5230% | 4,941 |
| Tier 1 risk-based capital ratio | 12.1559% | 4,336 |
| Total risk-based capital ratio | 13.0580% | 4,403 |
| Memoranda: | ||
| Average total assets | $189,321,000 | 2,952 |
| Average earning assets | $173,326,500 | 2,977 |
| Average equity | $18,089,750 | 3,350 |
| Average total loans | $145,212,250 | 2,693 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1051% | 1,204 |
| Cost of funding earning assets | 1.3372% | 665 |
| Net interest margin | 3.7679% | 2,700 |
| Noninterest income to average assets | 0.2677% | 4,146 |
| Noninterest expense to average assets | 2.4451% | 3,623 |
| Loan and lease loss provision to assets | 0.1080% | 1,740 |
| Net operating income to assets | 1.1054% | 2,503 |
| Return on assets (ROA) | 1.1054% | 2,573 |
| Pretax return on assets | 1.1669% | 3,019 |
| Return on Equity (ROE) | 11.5400% | 1,762 |
| Retained earnings to average equity (ytd only) | 8.2718% | 1,289 |
| Net charge-offs to loans | 0.2819% | 598 |
| Credit loss provision to net charge-offs | 49.7512% | 2,480 |
| Earnings coverage of net charge-offs (x) | 5.8756% | 2,610 |
| Efficiency ratio | 64.8288% | 3,000 |
| Assets per employee ($millions) | 6.1024% | 1,471 |
| Cash dividends to net income (ytd only)* | 28.3203% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7740% | 4,528 |
| Loan loss allowance to noncurrent loans | 127.1242% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.4701% | 2,656 |
| Noncurrent loans to loans | 0.6089% | 2,435 |
| Net loans and leases to total assets | 76.6141% | 1,453 |
| Net loans and leases to deposits | 91.9144% | 1,494 |
| Net loans and leases to core deposits | 112.2660% | 855 |
| Total domestic deposits to total assets | 83.3538% | 3,090 |
| Equity capital to assets | 9.4415% | 4,457 |
| Core capital (leverage) ratio | 8.6198% | 4,898 |
| Tier 1 risk-based capital ratio | 11.7256% | 4,558 |
| Total risk-based capital ratio | 12.5924% | 4,665 |
| Memoranda: | ||
| Average total assets | $185,270,000 | 3,000 |
| Average earning assets | $169,751,670 | 3,020 |
| Average equity | $17,747,000 | 3,387 |
| Average total loans | $142,579,670 | 2,736 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0390% | 1,239 |
| Cost of funding earning assets | 1.3069% | 648 |
| Net interest margin | 3.7321% | 2,776 |
| Noninterest income to average assets | 0.2507% | 4,218 |
| Noninterest expense to average assets | 2.5318% | 3,415 |
| Loan and lease loss provision to assets | 0.1109% | 1,599 |
| Net operating income to assets | 0.9763% | 2,941 |
| Return on assets (ROA) | 0.9763% | 2,984 |
| Pretax return on assets | 1.0296% | 3,347 |
| Return on Equity (ROE) | 10.1138% | 2,318 |
| Retained earnings to average equity (ytd only) | 6.7808% | 2,121 |
| Net charge-offs to loans | 0.5719% | 260 |
| Credit loss provision to net charge-offs | 25.2525% | 2,114 |
| Earnings coverage of net charge-offs (x) | 2.5960% | 2,478 |
| Efficiency ratio | 67.9758% | 2,646 |
| Assets per employee ($millions) | 5.7945% | 1,706 |
| Cash dividends to net income (ytd only)* | 32.9545% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8105% | 4,489 |
| Loan loss allowance to noncurrent loans | 122.1374% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.5105% | 2,585 |
| Noncurrent loans to loans | 0.6636% | 2,357 |
| Net loans and leases to total assets | 76.3044% | 1,431 |
| Net loans and leases to deposits | 87.6946% | 1,910 |
| Net loans and leases to core deposits | 105.8957% | 1,184 |
| Total domestic deposits to total assets | 87.0115% | 1,808 |
| Equity capital to assets | 9.8949% | 3,923 |
| Core capital (leverage) ratio | 8.7604% | 4,824 |
| Tier 1 risk-based capital ratio | 12.4835% | 4,181 |
| Total risk-based capital ratio | 13.3954% | 4,264 |
| Memoranda: | ||
| Average total assets | $180,267,000 | 3,085 |
| Average earning assets | $165,271,000 | 3,113 |
| Average equity | $17,402,000 | 3,436 |
| Average total loans | $138,481,500 | 2,809 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1065% | 831 |
| Cost of funding earning assets | 1.0906% | 513 |
| Net interest margin | 4.0159% | 1,936 |
| Noninterest income to average assets | 0.3173% | 3,991 |
| Noninterest expense to average assets | 2.4824% | 3,663 |
| Loan and lease loss provision to assets | 0.1731% | 1,151 |
| Net operating income to assets | 1.2928% | 1,836 |
| Return on assets (ROA) | 1.2928% | 1,819 |
| Pretax return on assets | 1.3603% | 2,269 |
| Return on Equity (ROE) | 13.3850% | 1,206 |
| Retained earnings to average equity (ytd only) | 6.8150% | 1,745 |
| Net charge-offs to loans | 0.0052% | 3,527 |
| Credit loss provision to net charge-offs | 4,285.7143% | 119 |
| Earnings coverage of net charge-offs (x) | 379.7143% | 268 |
| Efficiency ratio | 60.9108% | 3,710 |
| Assets per employee ($millions) | 5.8357% | 1,640 |
| Cash dividends to net income (ytd only)* | 49.0852% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9137% | 4,101 |
| Loan loss allowance to noncurrent loans | 137.8261% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.5086% | 2,555 |
| Noncurrent loans to loans | 0.6629% | 2,339 |
| Net loans and leases to total assets | 76.0124% | 1,609 |
| Net loans and leases to deposits | 88.0894% | 2,029 |
| Net loans and leases to core deposits | 106.4599% | 1,237 |
| Total domestic deposits to total assets | 86.2901% | 2,095 |
| Equity capital to assets | 9.4137% | 4,203 |
| Core capital (leverage) ratio | 8.4573% | 5,047 |
| Tier 1 risk-based capital ratio | 11.7127% | 4,622 |
| Total risk-based capital ratio | 12.7013% | 4,653 |
| Memoranda: | ||
| Average total assets | $173,339,400 | 3,130 |
| Average earning assets | $159,641,000 | 3,145 |
| Average equity | $16,742,600 | 3,429 |
| Average total loans | $134,987,000 | 2,824 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1135% | 739 |
| Cost of funding earning assets | 1.0119% | 565 |
| Net interest margin | 4.1016% | 1,622 |
| Noninterest income to average assets | 0.2916% | 4,205 |
| Noninterest expense to average assets | 2.4629% | 3,692 |
| Loan and lease loss provision to assets | 0.1750% | 1,052 |
| Net operating income to assets | 1.3796% | 1,554 |
| Return on assets (ROA) | 1.3796% | 1,559 |
| Pretax return on assets | 1.4395% | 2,090 |
| Return on Equity (ROE) | 14.1881% | 1,069 |
| Retained earnings to average equity (ytd only) | 11.7888% | 510 |
| Net charge-offs to loans | 0.0070% | 3,175 |
| Credit loss provision to net charge-offs | 3,214.2857% | 133 |
| Earnings coverage of net charge-offs (x) | 296.6699% | 313 |
| Efficiency ratio | 59.5079% | 3,882 |
| Assets per employee ($millions) | 5.7587% | 1,680 |
| Cash dividends to net income (ytd only)* | 16.9110% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8655% | 4,385 |
| Loan loss allowance to noncurrent loans | 398.9967% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.1675% | 4,127 |
| Noncurrent loans to loans | 0.2169% | 3,931 |
| Net loans and leases to total assets | 76.5434% | 1,578 |
| Net loans and leases to deposits | 89.1055% | 2,006 |
| Net loans and leases to core deposits | 107.2751% | 1,210 |
| Total domestic deposits to total assets | 85.9019% | 2,239 |
| Equity capital to assets | 9.5748% | 4,013 |
| Core capital (leverage) ratio | 8.9024% | 4,797 |
| Tier 1 risk-based capital ratio | 12.1257% | 4,429 |
| Total risk-based capital ratio | 13.0687% | 4,484 |
| Memoranda: | ||
| Average total assets | $171,447,750 | 3,178 |
| Average earning assets | $158,243,500 | 3,185 |
| Average equity | $16,670,750 | 3,452 |
| Average total loans | $134,039,000 | 2,855 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2080% | 547 |
| Cost of funding earning assets | 0.9192% | 680 |
| Net interest margin | 4.2888% | 1,056 |
| Noninterest income to average assets | 0.2910% | 4,234 |
| Noninterest expense to average assets | 2.5087% | 3,610 |
| Loan and lease loss provision to assets | 0.1774% | 1,021 |
| Net operating income to assets | 1.5022% | 1,158 |
| Return on assets (ROA) | 1.5022% | 1,156 |
| Pretax return on assets | 1.5672% | 1,611 |
| Return on Equity (ROE) | 15.3660% | 780 |
| Retained earnings to average equity (ytd only) | 12.9462% | 388 |
| Net charge-offs to loans | 0.0151% | 2,642 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 147.5000% | 525 |
| Efficiency ratio | 58.1201% | 4,209 |
| Assets per employee ($millions) | 5.9390% | 1,508 |
| Cash dividends to net income (ytd only)* | 15.7480% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8263% | 4,618 |
| Loan loss allowance to noncurrent loans | 464.5833% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.1393% | 4,294 |
| Noncurrent loans to loans | 0.1779% | 4,108 |
| Net loans and leases to total assets | 77.6969% | 1,364 |
| Net loans and leases to deposits | 89.2918% | 1,936 |
| Net loans and leases to core deposits | 111.0144% | 938 |
| Total domestic deposits to total assets | 87.0146% | 1,834 |
| Equity capital to assets | 9.8077% | 3,815 |
| Core capital (leverage) ratio | 8.8957% | 4,793 |
| Tier 1 risk-based capital ratio | 12.2176% | 4,363 |
| Total risk-based capital ratio | 13.1306% | 4,450 |
| Memoranda: | ||
| Average total assets | $169,090,000 | 3,226 |
| Average earning assets | $156,221,330 | 3,220 |
| Average equity | $16,530,000 | 3,494 |
| Average total loans | $132,772,330 | 2,878 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5460% | 256 |
| Cost of funding earning assets | 0.8600% | 725 |
| Net interest margin | 4.6860% | 414 |
| Noninterest income to average assets | 0.2865% | 4,254 |
| Noninterest expense to average assets | 2.5287% | 3,565 |
| Loan and lease loss provision to assets | 0.1791% | 964 |
| Net operating income to assets | 1.8171% | 546 |
| Return on assets (ROA) | 1.8171% | 550 |
| Pretax return on assets | 1.8983% | 729 |
| Return on Equity (ROE) | 18.6189% | 350 |
| Retained earnings to average equity (ytd only) | 16.1722% | 239 |
| Net charge-offs to loans | 0.0152% | 2,218 |
| Credit loss provision to net charge-offs | 1,500.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 174.0000% | 375 |
| Efficiency ratio | 54.0695% | 4,791 |
| Assets per employee ($millions) | 5.6372% | 1,815 |
| Cash dividends to net income (ytd only)* | 13.1406% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7971% | 4,797 |
| Loan loss allowance to noncurrent loans | 375.8993% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.1644% | 4,266 |
| Noncurrent loans to loans | 0.2121% | 4,025 |
| Net loans and leases to total assets | 76.8988% | 1,401 |
| Net loans and leases to deposits | 88.3779% | 1,886 |
| Net loans and leases to core deposits | 105.7980% | 1,251 |
| Total domestic deposits to total assets | 87.0114% | 2,117 |
| Equity capital to assets | 9.7755% | 3,811 |
| Core capital (leverage) ratio | 8.8180% | 4,875 |
| Tier 1 risk-based capital ratio | 12.2128% | 4,423 |
| Total risk-based capital ratio | 13.0933% | 4,540 |
| Memoranda: | ||
| Average total assets | $167,519,000 | 3,275 |
| Average earning assets | $154,417,500 | 3,272 |
| Average equity | $16,349,000 | 3,548 |
| Average total loans | $131,691,500 | 2,911 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5849% | 1,473 |
| Cost of funding earning assets | 0.6870% | 1,095 |
| Net interest margin | 3.8980% | 2,094 |
| Noninterest income to average assets | 0.3285% | 4,120 |
| Noninterest expense to average assets | 2.5897% | 3,474 |
| Loan and lease loss provision to assets | 0.0776% | 2,647 |
| Net operating income to assets | 1.1725% | 1,609 |
| Return on assets (ROA) | 1.1725% | 1,632 |
| Pretax return on assets | 1.2309% | 2,631 |
| Return on Equity (ROE) | 11.8832% | 1,240 |
| Retained earnings to average equity (ytd only) | 6.0297% | 1,524 |
| Net charge-offs to loans | -0.0421% | 5,141 |
| Credit loss provision to net charge-offs | -240.3846% | 4,835 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4293% | 3,358 |
| Assets per employee ($millions) | 5.3523% | 2,103 |
| Cash dividends to net income (ytd only)* | 49.2585% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7370% | 4,985 |
| Loan loss allowance to noncurrent loans | 254.5692% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 3,985 |
| Noncurrent loans to loans | 0.2895% | 3,745 |
| Net loans and leases to total assets | 79.1425% | 1,089 |
| Net loans and leases to deposits | 90.9950% | 1,650 |
| Net loans and leases to core deposits | 109.7916% | 1,022 |
| Total domestic deposits to total assets | 86.9745% | 2,011 |
| Equity capital to assets | 9.7432% | 3,979 |
| Core capital (leverage) ratio | 8.5425% | 5,101 |
| Tier 1 risk-based capital ratio | 11.5294% | 4,835 |
| Total risk-based capital ratio | 12.3392% | 4,979 |
| Memoranda: | ||
| Average total assets | $161,024,600 | 3,333 |
| Average earning assets | $147,460,800 | 3,356 |
| Average equity | $15,888,000 | 3,611 |
| Average total loans | $123,514,200 | 3,006 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5379% | 1,541 |
| Cost of funding earning assets | 0.6633% | 1,159 |
| Net interest margin | 3.8746% | 2,124 |
| Noninterest income to average assets | 0.3104% | 4,304 |
| Noninterest expense to average assets | 2.5631% | 3,525 |
| Loan and lease loss provision to assets | 0.0626% | 2,819 |
| Net operating income to assets | 1.1698% | 1,802 |
| Return on assets (ROA) | 1.1698% | 1,845 |
| Pretax return on assets | 1.2232% | 2,813 |
| Return on Equity (ROE) | 11.8171% | 1,392 |
| Retained earnings to average equity (ytd only) | 9.2885% | 767 |
| Net charge-offs to loans | -0.0550% | 5,188 |
| Credit loss provision to net charge-offs | -150.0000% | 4,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5755% | 3,282 |
| Assets per employee ($millions) | 5.4367% | 1,986 |
| Cash dividends to net income (ytd only)* | 21.3980% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7248% | 5,085 |
| Loan loss allowance to noncurrent loans | 287.5389% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.1968% | 4,309 |
| Noncurrent loans to loans | 0.2521% | 4,054 |
| Net loans and leases to total assets | 77.5086% | 1,344 |
| Net loans and leases to deposits | 91.5270% | 1,621 |
| Net loans and leases to core deposits | 106.8875% | 1,206 |
| Total domestic deposits to total assets | 84.6838% | 2,844 |
| Equity capital to assets | 10.1170% | 3,783 |
| Core capital (leverage) ratio | 8.8589% | 4,914 |
| Tier 1 risk-based capital ratio | 12.0516% | 4,570 |
| Total risk-based capital ratio | 12.8454% | 4,776 |
| Memoranda: | ||
| Average total assets | $159,800,500 | 3,379 |
| Average earning assets | $145,937,250 | 3,399 |
| Average equity | $15,818,500 | 3,655 |
| Average total loans | $121,320,500 | 3,060 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4553% | 1,645 |
| Cost of funding earning assets | 0.6445% | 1,174 |
| Net interest margin | 3.8108% | 2,251 |
| Noninterest income to average assets | 0.2949% | 4,431 |
| Noninterest expense to average assets | 2.5268% | 3,671 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2010% | 1,596 |
| Return on assets (ROA) | 1.2010% | 1,630 |
| Pretax return on assets | 1.2552% | 2,555 |
| Return on Equity (ROE) | 12.2250% | 1,229 |
| Retained earnings to average equity (ytd only) | 9.6594% | 656 |
| Net charge-offs to loans | -0.0654% | 5,277 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7781% | 3,387 |
| Assets per employee ($millions) | 5.3894% | 1,976 |
| Cash dividends to net income (ytd only)* | 20.9864% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6791% | 5,248 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 0.5177% | 3,041 |
| Noncurrent loans to loans | 0.6791% | 2,716 |
| Net loans and leases to total assets | 75.7117% | 1,583 |
| Net loans and leases to deposits | 87.3686% | 2,056 |
| Net loans and leases to core deposits | 101.2506% | 1,568 |
| Total domestic deposits to total assets | 86.6578% | 2,107 |
| Equity capital to assets | 9.9986% | 3,912 |
| Core capital (leverage) ratio | 8.8111% | 4,937 |
| Tier 1 risk-based capital ratio | 12.0259% | 4,616 |
| Total risk-based capital ratio | 12.7633% | 4,843 |
| Memoranda: | ||
| Average total assets | $158,700,000 | 3,407 |
| Average earning assets | $145,220,670 | 3,428 |
| Average equity | $15,591,000 | 3,691 |
| Average total loans | $119,313,670 | 3,104 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3374% | 1,858 |
| Cost of funding earning assets | 0.6463% | 1,093 |
| Net interest margin | 3.6911% | 2,512 |
| Noninterest income to average assets | 0.3079% | 4,355 |
| Noninterest expense to average assets | 2.5189% | 3,749 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1119% | 1,822 |
| Return on assets (ROA) | 1.1119% | 1,864 |
| Pretax return on assets | 1.1602% | 2,743 |
| Return on Equity (ROE) | 11.4222% | 1,429 |
| Retained earnings to average equity (ytd only) | 8.8084% | 1,141 |
| Net charge-offs to loans | -0.0511% | 5,193 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3582% | 3,293 |
| Assets per employee ($millions) | 5.1036% | 2,299 |
| Cash dividends to net income (ytd only)* | 22.8833% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6902% | 5,330 |
| Loan loss allowance to noncurrent loans | 118.3406% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.4342% | 3,456 |
| Noncurrent loans to loans | 0.5832% | 3,060 |
| Net loans and leases to total assets | 73.9369% | 1,753 |
| Net loans and leases to deposits | 85.2018% | 2,129 |
| Net loans and leases to core deposits | 97.5402% | 1,698 |
| Total domestic deposits to total assets | 86.7785% | 2,320 |
| Equity capital to assets | 9.8393% | 3,937 |
| Core capital (leverage) ratio | 8.6169% | 5,137 |
| Tier 1 risk-based capital ratio | 12.0433% | 4,685 |
| Total risk-based capital ratio | 12.7838% | 4,914 |
| Memoranda: | ||
| Average total assets | $157,208,500 | 3,460 |
| Average earning assets | $143,587,500 | 3,480 |
| Average equity | $15,303,500 | 3,748 |
| Average total loans | $117,345,500 | 3,158 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6653% | 1,130 |
| Cost of funding earning assets | 0.6746% | 932 |
| Net interest margin | 3.9907% | 1,657 |
| Noninterest income to average assets | 0.3118% | 4,505 |
| Noninterest expense to average assets | 2.7153% | 3,301 |
| Loan and lease loss provision to assets | 0.0866% | 2,634 |
| Net operating income to assets | 1.1044% | 1,887 |
| Return on assets (ROA) | 1.1044% | 1,975 |
| Pretax return on assets | 1.1536% | 2,881 |
| Return on Equity (ROE) | 10.4379% | 1,788 |
| Retained earnings to average equity (ytd only) | 4.8719% | 2,432 |
| Net charge-offs to loans | 0.0106% | 3,913 |
| Credit loss provision to net charge-offs | 1,041.6667% | 368 |
| Earnings coverage of net charge-offs (x) | 149.1667% | 431 |
| Efficiency ratio | 67.5250% | 3,341 |
| Assets per employee ($millions) | 5.0389% | 2,346 |
| Cash dividends to net income (ytd only)* | 53.3250% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6826% | 5,390 |
| Loan loss allowance to noncurrent loans | 112.3944% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 0.4571% | 3,433 |
| Noncurrent loans to loans | 0.6074% | 3,027 |
| Net loans and leases to total assets | 74.3273% | 1,791 |
| Net loans and leases to deposits | 85.5050% | 2,237 |
| Net loans and leases to core deposits | 94.0318% | 2,105 |
| Total domestic deposits to total assets | 86.9274% | 2,190 |
| Equity capital to assets | 9.6284% | 4,145 |
| Core capital (leverage) ratio | 8.3472% | 5,404 |
| Tier 1 risk-based capital ratio | 11.8084% | 4,852 |
| Total risk-based capital ratio | 12.5361% | 5,072 |
| Memoranda: | ||
| Average total assets | $144,329,800 | 3,600 |
| Average earning assets | $131,780,400 | 3,623 |
| Average equity | $15,271,200 | 3,778 |
| Average total loans | $112,935,800 | 3,177 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7526% | 981 |
| Cost of funding earning assets | 0.6686% | 957 |
| Net interest margin | 4.0840% | 1,423 |
| Noninterest income to average assets | 0.3037% | 4,596 |
| Noninterest expense to average assets | 2.7249% | 3,278 |
| Loan and lease loss provision to assets | 0.0707% | 2,799 |
| Net operating income to assets | 1.1771% | 1,709 |
| Return on assets (ROA) | 1.1771% | 1,818 |
| Pretax return on assets | 1.2299% | 2,705 |
| Return on Equity (ROE) | 10.8550% | 1,727 |
| Retained earnings to average equity (ytd only) | 8.2456% | 1,068 |
| Net charge-offs to loans | -0.0048% | 4,610 |
| Credit loss provision to net charge-offs | -1,875.0000% | 5,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5886% | 3,491 |
| Assets per employee ($millions) | 4.7916% | 2,621 |
| Cash dividends to net income (ytd only)* | 24.0384% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6478% | 5,533 |
| Loan loss allowance to noncurrent loans | 102.5503% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 0.5015% | 3,440 |
| Noncurrent loans to loans | 0.6317% | 3,121 |
| Net loans and leases to total assets | 78.8825% | 1,057 |
| Net loans and leases to deposits | 93.1874% | 1,348 |
| Net loans and leases to core deposits | 104.1788% | 1,331 |
| Total domestic deposits to total assets | 84.6493% | 2,967 |
| Equity capital to assets | 10.6739% | 3,383 |
| Core capital (leverage) ratio | 9.0941% | 4,719 |
| Tier 1 risk-based capital ratio | 11.9678% | 4,809 |
| Total risk-based capital ratio | 12.6636% | 5,043 |
| Memoranda: | ||
| Average total assets | $141,361,000 | 3,667 |
| Average earning assets | $128,824,750 | 3,689 |
| Average equity | $15,329,000 | 3,801 |
| Average total loans | $111,944,500 | 3,197 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7173% | 1,017 |
| Cost of funding earning assets | 0.6608% | 991 |
| Net interest margin | 4.0564% | 1,491 |
| Noninterest income to average assets | 0.3641% | 4,157 |
| Noninterest expense to average assets | 2.6222% | 3,652 |
| Loan and lease loss provision to assets | 0.0360% | 3,437 |
| Net operating income to assets | 1.3471% | 1,175 |
| Return on assets (ROA) | 1.3471% | 1,244 |
| Pretax return on assets | 1.4075% | 1,998 |
| Return on Equity (ROE) | 12.3534% | 1,199 |
| Retained earnings to average equity (ytd only) | 9.7138% | 658 |
| Net charge-offs to loans | 0.0109% | 3,335 |
| Credit loss provision to net charge-offs | 416.6667% | 753 |
| Earnings coverage of net charge-offs (x) | 167.1667% | 379 |
| Efficiency ratio | 63.3982% | 4,119 |
| Assets per employee ($millions) | 4.8528% | 2,477 |
| Cash dividends to net income (ytd only)* | 21.3675% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6091% | 5,672 |
| Loan loss allowance to noncurrent loans | 1,408.0000% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 5,450 |
| Noncurrent loans to loans | 0.0433% | 5,289 |
| Net loans and leases to total assets | 78.9058% | 1,076 |
| Net loans and leases to deposits | 94.1213% | 1,280 |
| Net loans and leases to core deposits | 104.3341% | 1,287 |
| Total domestic deposits to total assets | 83.8342% | 3,337 |
| Equity capital to assets | 10.7539% | 3,340 |
| Core capital (leverage) ratio | 9.3820% | 4,357 |
| Tier 1 risk-based capital ratio | 11.9868% | 4,834 |
| Total risk-based capital ratio | 12.6399% | 5,118 |
| Memoranda: | ||
| Average total assets | $138,968,000 | 3,736 |
| Average earning assets | $126,811,000 | 3,742 |
| Average equity | $15,153,670 | 3,840 |
| Average total loans | $109,947,330 | 3,234 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6671% | 1,113 |
| Cost of funding earning assets | 0.6764% | 909 |
| Net interest margin | 3.9907% | 1,638 |
| Noninterest income to average assets | 0.3509% | 4,217 |
| Noninterest expense to average assets | 2.6920% | 3,443 |
| Loan and lease loss provision to assets | 0.0737% | 2,489 |
| Net operating income to assets | 1.1676% | 1,653 |
| Return on assets (ROA) | 1.1676% | 1,761 |
| Pretax return on assets | 1.2207% | 2,618 |
| Return on Equity (ROE) | 10.6291% | 1,734 |
| Retained earnings to average equity (ytd only) | 7.9450% | 1,480 |
| Net charge-offs to loans | 0.0635% | 1,859 |
| Credit loss provision to net charge-offs | 147.0588% | 1,288 |
| Earnings coverage of net charge-offs (x) | 25.8235% | 1,284 |
| Efficiency ratio | 66.3462% | 3,743 |
| Assets per employee ($millions) | 4.5500% | 2,982 |
| Cash dividends to net income (ytd only)* | 25.2525% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6441% | 5,682 |
| Loan loss allowance to noncurrent loans | 296.1538% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.1714% | 4,882 |
| Noncurrent loans to loans | 0.2175% | 4,650 |
| Net loans and leases to total assets | 78.3136% | 1,062 |
| Net loans and leases to deposits | 91.3127% | 1,427 |
| Net loans and leases to core deposits | 98.4228% | 1,606 |
| Total domestic deposits to total assets | 85.7641% | 2,779 |
| Equity capital to assets | 11.0579% | 2,877 |
| Core capital (leverage) ratio | 9.4261% | 4,318 |
| Tier 1 risk-based capital ratio | 12.3661% | 4,680 |
| Total risk-based capital ratio | 13.0533% | 4,947 |
| Memoranda: | ||
| Average total assets | $135,659,500 | 3,808 |
| Average earning assets | $123,588,500 | 3,835 |
| Average equity | $14,902,500 | 3,878 |
| Average total loans | $107,131,500 | 3,291 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6977% | 1,114 |
| Cost of funding earning assets | 0.5589% | 1,686 |
| Net interest margin | 4.1389% | 1,311 |
| Noninterest income to average assets | 0.3580% | 4,344 |
| Noninterest expense to average assets | 2.7160% | 3,529 |
| Loan and lease loss provision to assets | 0.0504% | 3,317 |
| Net operating income to assets | 1.3493% | 1,155 |
| Return on assets (ROA) | 1.3746% | 1,130 |
| Pretax return on assets | 1.4343% | 1,771 |
| Return on Equity (ROE) | 12.2758% | 1,235 |
| Retained earnings to average equity (ytd only) | 6.3939% | 1,605 |
| Net charge-offs to loans | -0.0204% | 5,274 |
| Credit loss provision to net charge-offs | -309.5238% | 5,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8946% | 4,293 |
| Assets per employee ($millions) | 4.6489% | 2,808 |
| Cash dividends to net income (ytd only)* | 47.9143% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6422% | 5,736 |
| Loan loss allowance to noncurrent loans | 143.0063% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.3553% | 4,166 |
| Noncurrent loans to loans | 0.4490% | 3,863 |
| Net loans and leases to total assets | 78.6143% | 1,044 |
| Net loans and leases to deposits | 91.5378% | 1,447 |
| Net loans and leases to core deposits | 99.4828% | 1,553 |
| Total domestic deposits to total assets | 85.8818% | 2,691 |
| Equity capital to assets | 10.9117% | 2,918 |
| Core capital (leverage) ratio | 9.3385% | 4,413 |
| Tier 1 risk-based capital ratio | 12.2354% | 4,806 |
| Total risk-based capital ratio | 12.9194% | 5,062 |
| Memoranda: | ||
| Average total assets | $129,051,800 | 3,904 |
| Average earning assets | $118,994,200 | 3,903 |
| Average equity | $14,451,200 | 3,916 |
| Average total loans | $102,877,200 | 3,336 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6975% | 1,104 |
| Cost of funding earning assets | 0.5191% | 2,050 |
| Net interest margin | 4.1785% | 1,217 |
| Noninterest income to average assets | 0.3573% | 4,382 |
| Noninterest expense to average assets | 2.7353% | 3,446 |
| Loan and lease loss provision to assets | 0.0470% | 3,264 |
| Net operating income to assets | 1.3729% | 1,171 |
| Return on assets (ROA) | 1.3729% | 1,223 |
| Pretax return on assets | 1.4356% | 1,886 |
| Return on Equity (ROE) | 12.1780% | 1,328 |
| Retained earnings to average equity (ytd only) | 9.3977% | 762 |
| Net charge-offs to loans | -0.0222% | 5,240 |
| Credit loss provision to net charge-offs | -264.7059% | 5,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6859% | 4,301 |
| Assets per employee ($millions) | 4.5008% | 3,006 |
| Cash dividends to net income (ytd only)* | 22.8310% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6353% | 5,844 |
| Loan loss allowance to noncurrent loans | 122.8625% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.4160% | 4,112 |
| Noncurrent loans to loans | 0.5171% | 3,804 |
| Net loans and leases to total assets | 79.2084% | 926 |
| Net loans and leases to deposits | 93.7937% | 1,225 |
| Net loans and leases to core deposits | 101.8742% | 1,389 |
| Total domestic deposits to total assets | 84.4496% | 3,237 |
| Equity capital to assets | 11.4094% | 2,575 |
| Core capital (leverage) ratio | 9.8037% | 3,895 |
| Tier 1 risk-based capital ratio | 12.6836% | 4,624 |
| Total risk-based capital ratio | 13.3631% | 4,926 |
| Memoranda: | ||
| Average total assets | $127,610,000 | 3,979 |
| Average earning assets | $117,903,500 | 3,964 |
| Average equity | $14,386,250 | 3,967 |
| Average total loans | $101,928,500 | 3,387 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6591% | 1,149 |
| Cost of funding earning assets | 0.4383% | 2,863 |
| Net interest margin | 4.2208% | 1,067 |
| Noninterest income to average assets | 0.3222% | 4,645 |
| Noninterest expense to average assets | 2.6943% | 3,609 |
| Loan and lease loss provision to assets | 0.0395% | 3,330 |
| Net operating income to assets | 1.4340% | 1,028 |
| Return on assets (ROA) | 1.4340% | 1,064 |
| Pretax return on assets | 1.4972% | 1,653 |
| Return on Equity (ROE) | 12.7728% | 1,166 |
| Retained earnings to average equity (ytd only) | 9.9594% | 676 |
| Net charge-offs to loans | -0.0198% | 5,170 |
| Credit loss provision to net charge-offs | -250.0000% | 5,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5233% | 4,590 |
| Assets per employee ($millions) | 4.4601% | 3,045 |
| Cash dividends to net income (ytd only)* | 22.0264% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6083% | 5,960 |
| Loan loss allowance to noncurrent loans | 117.6252% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.4167% | 4,240 |
| Noncurrent loans to loans | 0.5172% | 3,906 |
| Net loans and leases to total assets | 80.0855% | 790 |
| Net loans and leases to deposits | 94.6812% | 1,078 |
| Net loans and leases to core deposits | 103.1518% | 1,254 |
| Total domestic deposits to total assets | 84.5844% | 3,302 |
| Equity capital to assets | 11.2190% | 2,654 |
| Core capital (leverage) ratio | 9.7090% | 3,986 |
| Tier 1 risk-based capital ratio | 12.3626% | 4,904 |
| Total risk-based capital ratio | 13.0144% | 5,210 |
| Memoranda: | ||
| Average total assets | $126,638,670 | 4,029 |
| Average earning assets | $117,276,330 | 4,006 |
| Average equity | $14,217,670 | 4,010 |
| Average total loans | $101,222,330 | 3,417 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5749% | 1,281 |
| Cost of funding earning assets | 0.4306% | 2,970 |
| Net interest margin | 4.1443% | 1,171 |
| Noninterest income to average assets | 0.3001% | 4,772 |
| Noninterest expense to average assets | 2.6435% | 3,773 |
| Loan and lease loss provision to assets | 0.0798% | 2,361 |
| Net operating income to assets | 1.3633% | 1,109 |
| Return on assets (ROA) | 1.3633% | 1,172 |
| Pretax return on assets | 1.4176% | 1,825 |
| Return on Equity (ROE) | 12.1384% | 1,306 |
| Retained earnings to average equity (ytd only) | 9.2957% | 1,104 |
| Net charge-offs to loans | -0.0521% | 5,541 |
| Credit loss provision to net charge-offs | -192.3077% | 4,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6060% | 4,688 |
| Assets per employee ($millions) | 4.3267% | 3,333 |
| Cash dividends to net income (ytd only)* | 23.4192% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6433% | 5,998 |
| Loan loss allowance to noncurrent loans | 117.5277% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 4,306 |
| Noncurrent loans to loans | 0.5473% | 3,942 |
| Net loans and leases to total assets | 78.4115% | 868 |
| Net loans and leases to deposits | 92.0838% | 1,175 |
| Net loans and leases to core deposits | 99.2134% | 1,375 |
| Total domestic deposits to total assets | 85.1523% | 3,331 |
| Equity capital to assets | 11.3713% | 2,580 |
| Core capital (leverage) ratio | 9.5721% | 4,177 |
| Tier 1 risk-based capital ratio | 12.6411% | 4,821 |
| Total risk-based capital ratio | 13.3330% | 5,092 |
| Memoranda: | ||
| Average total assets | $125,286,500 | 4,080 |
| Average earning assets | $116,112,000 | 4,060 |
| Average equity | $14,071,000 | 4,061 |
| Average total loans | $99,724,000 | 3,459 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7504% | 1,205 |
| Cost of funding earning assets | 0.4703% | 2,978 |
| Net interest margin | 4.2801% | 1,093 |
| Noninterest income to average assets | 0.5640% | 3,099 |
| Noninterest expense to average assets | 3.1351% | 2,404 |
| Loan and lease loss provision to assets | 0.0498% | 3,566 |
| Net operating income to assets | 1.2547% | 1,419 |
| Return on assets (ROA) | 1.2499% | 1,495 |
| Pretax return on assets | 1.3071% | 2,218 |
| Return on Equity (ROE) | 11.4089% | 1,588 |
| Retained earnings to average equity (ytd only) | 7.9264% | 1,047 |
| Net charge-offs to loans | 0.0086% | 4,747 |
| Credit loss provision to net charge-offs | 750.0000% | 357 |
| Earnings coverage of net charge-offs (x) | 205.2500% | 260 |
| Efficiency ratio | 68.7200% | 3,764 |
| Assets per employee ($millions) | 4.3138% | 3,340 |
| Cash dividends to net income (ytd only)* | 30.5242% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5955% | 6,148 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 0.4780% | 4,204 |
| Noncurrent loans to loans | 0.5955% | 3,884 |
| Net loans and leases to total assets | 79.7984% | 761 |
| Net loans and leases to deposits | 95.6921% | 930 |
| Net loans and leases to core deposits | 103.2508% | 1,169 |
| Total domestic deposits to total assets | 83.3908% | 3,946 |
| Equity capital to assets | 11.0904% | 2,815 |
| Core capital (leverage) ratio | 9.4699% | 4,284 |
| Tier 1 risk-based capital ratio | 12.0525% | 5,323 |
| Total risk-based capital ratio | 12.6789% | 5,618 |
| Memoranda: | ||
| Average total assets | $120,570,600 | 4,168 |
| Average earning assets | $110,791,000 | 4,164 |
| Average equity | $13,209,000 | 4,151 |
| Average total loans | $93,193,000 | 3,562 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7187% | 1,268 |
| Cost of funding earning assets | 0.4763% | 2,989 |
| Net interest margin | 4.2424% | 1,177 |
| Noninterest income to average assets | 0.3695% | 4,471 |
| Noninterest expense to average assets | 3.1658% | 2,278 |
| Loan and lease loss provision to assets | 0.0335% | 3,735 |
| Net operating income to assets | 1.0190% | 2,371 |
| Return on assets (ROA) | 0.9611% | 2,712 |
| Pretax return on assets | 0.9980% | 3,601 |
| Return on Equity (ROE) | 8.8016% | 2,785 |
| Retained earnings to average equity (ytd only) | 7.6771% | 1,502 |
| Net charge-offs to loans | 0.0175% | 4,182 |
| Credit loss provision to net charge-offs | 250.0000% | 1,043 |
| Earnings coverage of net charge-offs (x) | 81.4981% | 694 |
| Efficiency ratio | 73.3089% | 2,937 |
| Assets per employee ($millions) | 4.2137% | 3,455 |
| Cash dividends to net income (ytd only)* | 12.7756% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5828% | 6,245 |
| Loan loss allowance to noncurrent loans | 87.9875% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 0.6784% | 3,796 |
| Noncurrent loans to loans | 0.6624% | 3,956 |
| Net loans and leases to total assets | 78.7345% | 863 |
| Net loans and leases to deposits | 96.0698% | 875 |
| Net loans and leases to core deposits | 103.2517% | 1,136 |
| Total domestic deposits to total assets | 81.9555% | 4,491 |
| Equity capital to assets | 11.0877% | 2,870 |
| Core capital (leverage) ratio | 9.4932% | 4,389 |
| Tier 1 risk-based capital ratio | 12.2519% | 5,328 |
| Total risk-based capital ratio | 12.8667% | 5,647 |
| Memoranda: | ||
| Average total assets | $119,438,500 | 4,231 |
| Average earning assets | $109,463,000 | 4,232 |
| Average equity | $13,042,750 | 4,211 |
| Average total loans | $91,385,000 | 3,634 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6506% | 1,399 |
| Cost of funding earning assets | 0.4855% | 2,971 |
| Net interest margin | 4.1650% | 1,331 |
| Noninterest income to average assets | 0.3527% | 4,603 |
| Noninterest expense to average assets | 3.0881% | 2,545 |
| Loan and lease loss provision to assets | 0.0506% | 3,292 |
| Net operating income to assets | 0.9802% | 2,404 |
| Return on assets (ROA) | 0.8927% | 2,945 |
| Pretax return on assets | 0.9298% | 3,766 |
| Return on Equity (ROE) | 8.2181% | 2,977 |
| Retained earnings to average equity (ytd only) | 8.0628% | 1,306 |
| Net charge-offs to loans | 0.0223% | 3,760 |
| Credit loss provision to net charge-offs | 300.0000% | 849 |
| Earnings coverage of net charge-offs (x) | 63.5000% | 775 |
| Efficiency ratio | 73.1440% | 3,130 |
| Assets per employee ($millions) | 4.1022% | 3,638 |
| Cash dividends to net income (ytd only)* | 1.8904% | 3,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6056% | 6,307 |
| Loan loss allowance to noncurrent loans | 92.4837% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.6725% | 3,977 |
| Noncurrent loans to loans | 0.6548% | 4,069 |
| Net loans and leases to total assets | 78.0910% | 897 |
| Net loans and leases to deposits | 94.5788% | 915 |
| Net loans and leases to core deposits | 101.1399% | 1,194 |
| Total domestic deposits to total assets | 82.5671% | 4,460 |
| Equity capital to assets | 11.1898% | 2,704 |
| Core capital (leverage) ratio | 9.2158% | 4,712 |
| Tier 1 risk-based capital ratio | 11.8433% | 5,629 |
| Total risk-based capital ratio | 12.4822% | 5,886 |
| Memoranda: | ||
| Average total assets | $118,518,670 | 4,275 |
| Average earning assets | $108,331,000 | 4,282 |
| Average equity | $12,874,000 | 4,247 |
| Average total loans | $89,588,000 | 3,683 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5252% | 1,718 |
| Cost of funding earning assets | 0.5049% | 2,852 |
| Net interest margin | 4.0203% | 1,685 |
| Noninterest income to average assets | 0.3280% | 4,745 |
| Noninterest expense to average assets | 2.9485% | 3,050 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0012% | 2,205 |
| Return on assets (ROA) | 0.8453% | 3,004 |
| Pretax return on assets | 0.8792% | 3,784 |
| Return on Equity (ROE) | 7.9020% | 2,974 |
| Retained earnings to average equity (ytd only) | 7.9020% | 1,632 |
| Net charge-offs to loans | 0.0821% | 2,331 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 17.1111% | 1,470 |
| Efficiency ratio | 72.7966% | 3,341 |
| Assets per employee ($millions) | 3.9723% | 4,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6089% | 6,396 |
| Loan loss allowance to noncurrent loans | 80.3653% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 0.7335% | 3,923 |
| Noncurrent loans to loans | 0.7576% | 3,970 |
| Net loans and leases to total assets | 74.8212% | 1,145 |
| Net loans and leases to deposits | 86.2195% | 1,575 |
| Net loans and leases to core deposits | 90.6548% | 1,857 |
| Total domestic deposits to total assets | 86.7799% | 2,947 |
| Equity capital to assets | 11.1809% | 2,546 |
| Core capital (leverage) ratio | 8.6147% | 5,511 |
| Tier 1 risk-based capital ratio | 12.3024% | 5,439 |
| Total risk-based capital ratio | 12.9387% | 5,762 |
| Memoranda: | ||
| Average total assets | $118,295,500 | 4,310 |
| Average earning assets | $107,752,500 | 4,322 |
| Average equity | $12,655,000 | 4,309 |
| Average total loans | $87,648,500 | 3,755 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8431% | 1,219 |
| Cost of funding earning assets | 0.8479% | 954 |
| Net interest margin | 3.9952% | 1,960 |
| Noninterest income to average assets | 0.3758% | 4,624 |
| Noninterest expense to average assets | 3.3066% | 2,125 |
| Loan and lease loss provision to assets | 0.0737% | 3,640 |
| Net operating income to assets | 0.6705% | 3,935 |
| Return on assets (ROA) | 0.6705% | 4,031 |
| Pretax return on assets | 0.7029% | 4,531 |
| Return on Equity (ROE) | 7.5120% | 3,290 |
| Retained earnings to average equity (ytd only) | 2.3114% | 4,606 |
| Net charge-offs to loans | -0.0019% | 5,847 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9816% | 2,027 |
| Assets per employee ($millions) | 4.2377% | 3,385 |
| Cash dividends to net income (ytd only)* | 69.2308% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 5,769 |
| Loan loss allowance to noncurrent loans | 73.3871% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 1.0327% | 3,365 |
| Noncurrent loans to loans | 1.2900% | 2,978 |
| Net loans and leases to total assets | 79.2979% | 670 |
| Net loans and leases to deposits | 101.1151% | 433 |
| Net loans and leases to core deposits | 107.5494% | 717 |
| Total domestic deposits to total assets | 78.4234% | 5,757 |
| Equity capital to assets | 8.1370% | 5,911 |
| Core capital (leverage) ratio | 8.8818% | 5,163 |
| Tier 1 risk-based capital ratio | 10.9008% | 6,220 |
| Total risk-based capital ratio | 11.8899% | 6,273 |
| Memoranda: | ||
| Average total assets | $67,864,000 | 5,544 |
| Average earning assets | $62,975,800 | 5,507 |
| Average equity | $6,057,000 | 5,813 |
| Average total loans | $52,032,800 | 4,889 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8969% | 1,130 |
| Cost of funding earning assets | 0.8685% | 956 |
| Net interest margin | 4.0284% | 1,849 |
| Noninterest income to average assets | 0.3771% | 4,695 |
| Noninterest expense to average assets | 3.0908% | 2,686 |
| Loan and lease loss provision to assets | 0.0998% | 3,094 |
| Net operating income to assets | 0.8899% | 2,883 |
| Return on assets (ROA) | 0.8899% | 2,998 |
| Pretax return on assets | 0.9258% | 3,777 |
| Return on Equity (ROE) | 9.7392% | 2,286 |
| Retained earnings to average equity (ytd only) | 6.4637% | 2,154 |
| Net charge-offs to loans | 0.0158% | 4,818 |
| Credit loss provision to net charge-offs | 833.3333% | 360 |
| Earnings coverage of net charge-offs (x) | 85.6650% | 555 |
| Efficiency ratio | 75.0848% | 2,890 |
| Assets per employee ($millions) | 3.9882% | 3,850 |
| Cash dividends to net income (ytd only)* | 33.6332% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 5,694 |
| Loan loss allowance to noncurrent loans | 73.1343% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.5295% | 2,636 |
| Noncurrent loans to loans | 1.3723% | 3,123 |
| Net loans and leases to total assets | 78.4145% | 705 |
| Net loans and leases to deposits | 91.5092% | 1,020 |
| Net loans and leases to core deposits | 97.1529% | 1,302 |
| Total domestic deposits to total assets | 85.6903% | 3,409 |
| Equity capital to assets | 8.9941% | 5,198 |
| Core capital (leverage) ratio | 9.0853% | 4,987 |
| Tier 1 risk-based capital ratio | 12.1232% | 5,703 |
| Total risk-based capital ratio | 13.1817% | 5,761 |
| Memoranda: | ||
| Average total assets | $66,819,750 | 5,627 |
| Average earning assets | $62,024,250 | 5,592 |
| Average equity | $6,105,750 | 5,865 |
| Average total loans | $50,622,750 | 4,978 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8674% | 1,178 |
| Cost of funding earning assets | 0.8696% | 1,033 |
| Net interest margin | 3.9977% | 1,863 |
| Noninterest income to average assets | 0.3790% | 4,677 |
| Noninterest expense to average assets | 3.0921% | 2,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9535% | 2,549 |
| Return on assets (ROA) | 0.9535% | 2,700 |
| Pretax return on assets | 0.9926% | 3,540 |
| Return on Equity (ROE) | 10.3793% | 2,049 |
| Retained earnings to average equity (ytd only) | 5.4679% | 2,764 |
| Net charge-offs to loans | 0.0121% | 4,621 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 110.0000% | 433 |
| Efficiency ratio | 75.6996% | 2,829 |
| Assets per employee ($millions) | 4.0732% | 3,642 |
| Cash dividends to net income (ytd only)* | 47.3186% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9541% | 5,978 |
| Loan loss allowance to noncurrent loans | 70.2857% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 1.4442% | 2,934 |
| Noncurrent loans to loans | 1.3575% | 3,286 |
| Net loans and leases to total assets | 73.7595% | 1,288 |
| Net loans and leases to deposits | 84.2166% | 1,771 |
| Net loans and leases to core deposits | 89.1499% | 1,990 |
| Total domestic deposits to total assets | 87.5830% | 2,502 |
| Equity capital to assets | 8.5076% | 5,756 |
| Core capital (leverage) ratio | 8.8777% | 5,179 |
| Tier 1 risk-based capital ratio | 12.3287% | 5,608 |
| Total risk-based capital ratio | 13.3322% | 5,692 |
| Memoranda: | ||
| Average total assets | $66,493,000 | 5,670 |
| Average earning assets | $61,635,000 | 5,648 |
| Average equity | $6,108,330 | 5,900 |
| Average total loans | $49,595,670 | 5,041 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9116% | 1,047 |
| Cost of funding earning assets | 0.9081% | 949 |
| Net interest margin | 4.0035% | 1,767 |
| Noninterest income to average assets | 0.3809% | 4,618 |
| Noninterest expense to average assets | 3.0161% | 2,938 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0320% | 2,102 |
| Return on assets (ROA) | 1.0320% | 2,214 |
| Pretax return on assets | 1.0750% | 3,046 |
| Return on Equity (ROE) | 10.8091% | 1,758 |
| Retained earnings to average equity (ytd only) | 10.8091% | 913 |
| Net charge-offs to loans | 0.0082% | 3,986 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 175.0000% | 230 |
| Efficiency ratio | 73.7237% | 3,309 |
| Assets per employee ($millions) | 3.9278% | 4,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 5,928 |
| Loan loss allowance to noncurrent loans | 71.2843% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 1.4871% | 3,032 |
| Noncurrent loans to loans | 1.4280% | 3,427 |
| Net loans and leases to total assets | 71.9363% | 1,361 |
| Net loans and leases to deposits | 83.0779% | 1,699 |
| Net loans and leases to core deposits | 87.6677% | 1,940 |
| Total domestic deposits to total assets | 86.5889% | 3,183 |
| Equity capital to assets | 9.3975% | 5,003 |
| Core capital (leverage) ratio | 9.3977% | 4,243 |
| Tier 1 risk-based capital ratio | 13.2174% | 5,061 |
| Total risk-based capital ratio | 14.2976% | 5,141 |
| Memoranda: | ||
| Average total assets | $65,117,500 | 5,773 |
| Average earning assets | $60,346,500 | 5,740 |
| Average equity | $6,217,000 | 5,933 |
| Average total loans | $48,610,500 | 5,110 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2767% | 974 |
| Cost of funding earning assets | 1.1593% | 705 |
| Net interest margin | 4.1174% | 1,934 |
| Noninterest income to average assets | 0.3792% | 4,757 |
| Noninterest expense to average assets | 3.3118% | 2,298 |
| Loan and lease loss provision to assets | 0.0316% | 5,500 |
| Net operating income to assets | 0.7967% | 3,303 |
| Return on assets (ROA) | 1.0318% | 2,406 |
| Pretax return on assets | 1.0744% | 3,257 |
| Return on Equity (ROE) | 10.8173% | 1,867 |
| Retained earnings to average equity (ytd only) | 4.6881% | 2,917 |
| Net charge-offs to loans | 0.0105% | 5,783 |
| Credit loss provision to net charge-offs | 400.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 109.0000% | 352 |
| Efficiency ratio | 79.3639% | 2,229 |
| Assets per employee ($millions) | 3.7331% | 4,501 |
| Cash dividends to net income (ytd only)* | 56.6616% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 5,908 |
| Loan loss allowance to noncurrent loans | 60.6618% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 1.7585% | 2,764 |
| Noncurrent loans to loans | 1.6758% | 3,107 |
| Net loans and leases to total assets | 75.9478% | 917 |
| Net loans and leases to deposits | 89.1268% | 1,152 |
| Net loans and leases to core deposits | 95.5551% | 1,345 |
| Total domestic deposits to total assets | 85.2132% | 3,758 |
| Equity capital to assets | 9.7050% | 4,582 |
| Core capital (leverage) ratio | 9.1051% | 4,733 |
| Tier 1 risk-based capital ratio | 12.7995% | 5,253 |
| Total risk-based capital ratio | 13.8775% | 5,325 |
| Memoranda: | ||
| Average total assets | $63,289,800 | 5,847 |
| Average earning assets | $58,313,400 | 5,805 |
| Average equity | $6,036,600 | 6,013 |
| Average total loans | $47,439,000 | 5,200 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3359% | 948 |
| Cost of funding earning assets | 1.1807% | 756 |
| Net interest margin | 4.1552% | 1,882 |
| Noninterest income to average assets | 0.3626% | 4,921 |
| Noninterest expense to average assets | 3.1411% | 2,755 |
| Loan and lease loss provision to assets | 0.0422% | 5,246 |
| Net operating income to assets | 0.9676% | 2,669 |
| Return on assets (ROA) | 0.9676% | 2,887 |
| Pretax return on assets | 1.0077% | 3,678 |
| Return on Equity (ROE) | 10.1895% | 2,257 |
| Retained earnings to average equity (ytd only) | 7.0816% | 2,079 |
| Net charge-offs to loans | -0.0028% | 6,224 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9497% | 2,835 |
| Assets per employee ($millions) | 3.7906% | 4,322 |
| Cash dividends to net income (ytd only)* | 30.5010% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 5,951 |
| Loan loss allowance to noncurrent loans | 67.4764% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 1.6154% | 3,168 |
| Noncurrent loans to loans | 1.5350% | 3,486 |
| Net loans and leases to total assets | 74.1376% | 1,231 |
| Net loans and leases to deposits | 92.0449% | 968 |
| Net loans and leases to core deposits | 98.9704% | 1,192 |
| Total domestic deposits to total assets | 80.5450% | 5,497 |
| Equity capital to assets | 9.8167% | 4,758 |
| Core capital (leverage) ratio | 9.0645% | 4,970 |
| Tier 1 risk-based capital ratio | 11.3379% | 6,333 |
| Total risk-based capital ratio | 12.3134% | 6,428 |
| Memoranda: | ||
| Average total assets | $63,246,750 | 5,907 |
| Average earning assets | $58,271,000 | 5,872 |
| Average equity | $6,006,000 | 6,091 |
| Average total loans | $47,125,500 | 5,263 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3204% | 1,008 |
| Cost of funding earning assets | 1.1804% | 893 |
| Net interest margin | 4.1400% | 1,941 |
| Noninterest income to average assets | 0.3532% | 5,010 |
| Noninterest expense to average assets | 3.1822% | 2,652 |
| Loan and lease loss provision to assets | 0.0636% | 4,849 |
| Net operating income to assets | 0.8974% | 2,923 |
| Return on assets (ROA) | 0.8974% | 3,189 |
| Pretax return on assets | 0.9356% | 3,939 |
| Return on Equity (ROE) | 9.5604% | 2,551 |
| Retained earnings to average equity (ytd only) | 4.8141% | 3,401 |
| Net charge-offs to loans | -0.0043% | 6,144 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1035% | 2,726 |
| Assets per employee ($millions) | 3.7156% | 4,488 |
| Cash dividends to net income (ytd only)* | 49.6454% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 5,938 |
| Loan loss allowance to noncurrent loans | 67.2483% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 1.6544% | 3,239 |
| Noncurrent loans to loans | 1.5690% | 3,557 |
| Net loans and leases to total assets | 74.3798% | 1,197 |
| Net loans and leases to deposits | 92.1722% | 932 |
| Net loans and leases to core deposits | 99.1998% | 1,156 |
| Total domestic deposits to total assets | 80.6966% | 5,560 |
| Equity capital to assets | 9.4878% | 5,086 |
| Core capital (leverage) ratio | 8.7592% | 5,283 |
| Tier 1 risk-based capital ratio | 10.8295% | 6,566 |
| Total risk-based capital ratio | 11.8153% | 6,658 |
| Memoranda: | ||
| Average total assets | $62,848,670 | 5,952 |
| Average earning assets | $58,115,670 | 5,906 |
| Average equity | $5,899,330 | 6,143 |
| Average total loans | $46,742,330 | 5,315 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2927% | 1,107 |
| Cost of funding earning assets | 1.1815% | 1,061 |
| Net interest margin | 4.1112% | 2,055 |
| Noninterest income to average assets | 0.3318% | 5,203 |
| Noninterest expense to average assets | 3.0882% | 2,959 |
| Loan and lease loss provision to assets | 0.0957% | 4,155 |
| Net operating income to assets | 0.9060% | 2,887 |
| Return on assets (ROA) | 0.9060% | 3,109 |
| Pretax return on assets | 0.9443% | 3,887 |
| Return on Equity (ROE) | 9.7053% | 2,514 |
| Retained earnings to average equity (ytd only) | 7.6548% | 2,106 |
| Net charge-offs to loans | 0.0431% | 4,087 |
| Credit loss provision to net charge-offs | 300.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 32.6000% | 863 |
| Efficiency ratio | 74.8068% | 2,976 |
| Assets per employee ($millions) | 3.9771% | 4,065 |
| Cash dividends to net income (ytd only)* | 21.1268% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0606% | 6,044 |
| Loan loss allowance to noncurrent loans | 45.7944% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 1.6815% | 3,339 |
| Noncurrent loans to loans | 2.3160% | 2,793 |
| Net loans and leases to total assets | 71.8342% | 1,433 |
| Net loans and leases to deposits | 88.7041% | 1,085 |
| Net loans and leases to core deposits | 95.3743% | 1,345 |
| Total domestic deposits to total assets | 80.9819% | 5,614 |
| Equity capital to assets | 9.2828% | 5,113 |
| Core capital (leverage) ratio | 8.8638% | 5,043 |
| Tier 1 risk-based capital ratio | 11.0877% | 6,501 |
| Total risk-based capital ratio | 12.0802% | 6,598 |
| Memoranda: | ||
| Average total assets | $62,690,500 | 5,989 |
| Average earning assets | $57,891,000 | 5,944 |
| Average equity | $5,852,500 | 6,191 |
| Average total loans | $46,372,000 | 5,364 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4915% | 1,184 |
| Cost of funding earning assets | 1.4116% | 989 |
| Net interest margin | 4.0799% | 2,528 |
| Noninterest income to average assets | 0.4923% | 3,900 |
| Noninterest expense to average assets | 3.1526% | 3,017 |
| Loan and lease loss provision to assets | 0.1352% | 4,926 |
| Net operating income to assets | 0.9471% | 2,427 |
| Return on assets (ROA) | 0.9663% | 2,466 |
| Pretax return on assets | 1.0064% | 3,220 |
| Return on Equity (ROE) | 10.7833% | 1,772 |
| Retained earnings to average equity (ytd only) | 5.1961% | 2,508 |
| Net charge-offs to loans | -0.0023% | 6,801 |
| Credit loss provision to net charge-offs | -8,100.0000% | 6,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7602% | 3,274 |
| Assets per employee ($millions) | 3.8592% | 4,183 |
| Cash dividends to net income (ytd only)* | 51.8135% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 6,066 |
| Loan loss allowance to noncurrent loans | 43.3213% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 1.7944% | 3,256 |
| Noncurrent loans to loans | 2.3806% | 2,749 |
| Net loans and leases to total assets | 74.5996% | 1,153 |
| Net loans and leases to deposits | 94.1502% | 807 |
| Net loans and leases to core deposits | 99.9284% | 1,187 |
| Total domestic deposits to total assets | 79.2346% | 5,933 |
| Equity capital to assets | 9.3899% | 5,034 |
| Core capital (leverage) ratio | 8.7167% | 5,224 |
| Tier 1 risk-based capital ratio | 10.8968% | 6,507 |
| Total risk-based capital ratio | 11.8723% | 6,613 |
| Memoranda: | ||
| Average total assets | $59,918,000 | 6,041 |
| Average earning assets | $55,540,200 | 6,003 |
| Average equity | $5,369,400 | 6,332 |
| Average total loans | $44,061,800 | 5,514 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4601% | 1,367 |
| Cost of funding earning assets | 1.4534% | 1,012 |
| Net interest margin | 4.0067% | 2,889 |
| Noninterest income to average assets | 0.4933% | 3,923 |
| Noninterest expense to average assets | 3.2222% | 2,757 |
| Loan and lease loss provision to assets | 0.1121% | 5,024 |
| Net operating income to assets | 0.8330% | 3,008 |
| Return on assets (ROA) | 0.8588% | 3,062 |
| Pretax return on assets | 0.8947% | 3,784 |
| Return on Equity (ROE) | 9.7040% | 2,309 |
| Retained earnings to average equity (ytd only) | 4.6366% | 3,420 |
| Net charge-offs to loans | 0.0215% | 5,853 |
| Credit loss provision to net charge-offs | 714.2857% | 377 |
| Earnings coverage of net charge-offs (x) | 62.4491% | 533 |
| Efficiency ratio | 76.6809% | 2,728 |
| Assets per employee ($millions) | 3.8214% | 4,260 |
| Cash dividends to net income (ytd only)* | 52.2197% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9707% | 6,388 |
| Loan loss allowance to noncurrent loans | 39.9819% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 1.8040% | 3,390 |
| Noncurrent loans to loans | 2.4278% | 2,851 |
| Net loans and leases to total assets | 73.5844% | 1,396 |
| Net loans and leases to deposits | 90.7516% | 1,132 |
| Net loans and leases to core deposits | 96.7507% | 1,529 |
| Total domestic deposits to total assets | 81.0834% | 5,406 |
| Equity capital to assets | 9.3749% | 5,270 |
| Core capital (leverage) ratio | 8.6734% | 5,450 |
| Tier 1 risk-based capital ratio | 11.0083% | 6,536 |
| Total risk-based capital ratio | 11.9334% | 6,693 |
| Memoranda: | ||
| Average total assets | $59,460,750 | 6,111 |
| Average earning assets | $55,040,250 | 6,065 |
| Average equity | $5,262,250 | 6,414 |
| Average total loans | $43,441,500 | 5,588 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4342% | 1,463 |
| Cost of funding earning assets | 1.4824% | 1,065 |
| Net interest margin | 3.9518% | 3,079 |
| Noninterest income to average assets | 0.4720% | 4,094 |
| Noninterest expense to average assets | 3.2428% | 2,755 |
| Loan and lease loss provision to assets | 0.1121% | 4,896 |
| Net operating income to assets | 0.7436% | 3,323 |
| Return on assets (ROA) | 0.7436% | 3,445 |
| Pretax return on assets | 0.7742% | 4,124 |
| Return on Equity (ROE) | 8.5787% | 2,688 |
| Retained earnings to average equity (ytd only) | 1.9194% | 5,022 |
| Net charge-offs to loans | -0.2291% | 7,313 |
| Credit loss provision to net charge-offs | -67.3469% | 6,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5362% | 2,625 |
| Assets per employee ($millions) | 3.7911% | 4,218 |
| Cash dividends to net income (ytd only)* | 77.6256% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 5,994 |
| Loan loss allowance to noncurrent loans | 42.4028% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 1.8662% | 3,414 |
| Noncurrent loans to loans | 2.5733% | 2,806 |
| Net loans and leases to total assets | 71.7312% | 1,836 |
| Net loans and leases to deposits | 86.5320% | 1,707 |
| Net loans and leases to core deposits | 92.2741% | 2,092 |
| Total domestic deposits to total assets | 82.8956% | 4,801 |
| Equity capital to assets | 8.6767% | 5,970 |
| Core capital (leverage) ratio | 8.1458% | 6,106 |
| Tier 1 risk-based capital ratio | 10.3629% | 6,843 |
| Total risk-based capital ratio | 11.3871% | 6,926 |
| Memoranda: | ||
| Average total assets | $58,900,330 | 6,178 |
| Average earning assets | $54,506,670 | 6,129 |
| Average equity | $5,105,670 | 6,502 |
| Average total loans | $42,778,000 | 5,669 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4269% | 1,487 |
| Cost of funding earning assets | 1.5100% | 1,124 |
| Net interest margin | 3.9169% | 3,062 |
| Noninterest income to average assets | 0.4205% | 4,538 |
| Noninterest expense to average assets | 3.1988% | 2,902 |
| Loan and lease loss provision to assets | 0.1172% | 4,540 |
| Net operating income to assets | 0.6894% | 3,556 |
| Return on assets (ROA) | 0.6894% | 3,629 |
| Pretax return on assets | 0.7170% | 4,235 |
| Return on Equity (ROE) | 7.9570% | 2,931 |
| Retained earnings to average equity (ytd only) | -5.5699% | 6,560 |
| Net charge-offs to loans | -0.5122% | 7,414 |
| Credit loss provision to net charge-offs | -31.4815% | 5,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3162% | 2,647 |
| Assets per employee ($millions) | 3.6309% | 4,690 |
| Cash dividends to net income (ytd only)* | 170.0000% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 6,015 |
| Loan loss allowance to noncurrent loans | 38.2857% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 2.1086% | 3,181 |
| Noncurrent loans to loans | 2.8935% | 2,599 |
| Net loans and leases to total assets | 72.0682% | 1,710 |
| Net loans and leases to deposits | 85.7213% | 1,773 |
| Net loans and leases to core deposits | 91.0748% | 2,231 |
| Total domestic deposits to total assets | 84.0726% | 4,465 |
| Equity capital to assets | 8.6066% | 5,767 |
| Core capital (leverage) ratio | 8.1647% | 6,022 |
| Tier 1 risk-based capital ratio | 10.4772% | 6,821 |
| Total risk-based capital ratio | 11.5143% | 6,900 |
| Memoranda: | ||
| Average total assets | $58,022,000 | 6,258 |
| Average earning assets | $53,511,500 | 6,217 |
| Average equity | $5,027,000 | 6,549 |
| Average total loans | $42,172,000 | 5,744 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7646% | 1,365 |
| Cost of funding earning assets | 1.7082% | 1,563 |
| Net interest margin | 4.0564% | 2,772 |
| Noninterest income to average assets | 0.5298% | 3,956 |
| Noninterest expense to average assets | 3.3352% | 2,624 |
| Loan and lease loss provision to assets | 0.2874% | 4,502 |
| Net operating income to assets | 0.6070% | 3,639 |
| Return on assets (ROA) | 0.6070% | 3,805 |
| Pretax return on assets | 0.6178% | 4,267 |
| Return on Equity (ROE) | 6.8112% | 3,209 |
| Retained earnings to average equity (ytd only) | 3.8892% | 3,148 |
| Net charge-offs to loans | 1.1038% | 2,020 |
| Credit loss provision to net charge-offs | 34.7826% | 6,450 |
| Earnings coverage of net charge-offs (x) | 1.0957% | 5,016 |
| Efficiency ratio | 78.6531% | 2,586 |
| Assets per employee ($millions) | 3.6218% | 4,649 |
| Cash dividends to net income (ytd only)* | 42.8994% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9475% | 6,583 |
| Loan loss allowance to noncurrent loans | 34.8206% | 5,997 |
| Noncurrent assets plus other real estate owned to assets | 2.1916% | 3,110 |
| Noncurrent loans to loans | 2.7210% | 2,798 |
| Net loans and leases to total assets | 71.8028% | 2,143 |
| Net loans and leases to deposits | 85.6417% | 2,161 |
| Net loans and leases to core deposits | 92.6291% | 2,427 |
| Total domestic deposits to total assets | 83.8410% | 4,430 |
| Equity capital to assets | 8.7215% | 5,551 |
| Core capital (leverage) ratio | 8.3031% | 5,681 |
| Tier 1 risk-based capital ratio | 10.6548% | 6,600 |
| Total risk-based capital ratio | 11.5368% | 6,807 |
| Memoranda: | ||
| Average total assets | $55,679,200 | 6,350 |
| Average earning assets | $50,931,400 | 6,330 |
| Average equity | $4,962,400 | 6,675 |
| Average total loans | $41,673,000 | 5,850 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7393% | 1,580 |
| Cost of funding earning assets | 1.7435% | 1,655 |
| Net interest margin | 3.9958% | 3,121 |
| Noninterest income to average assets | 0.5226% | 4,008 |
| Noninterest expense to average assets | 3.3362% | 2,463 |
| Loan and lease loss provision to assets | 0.3363% | 3,916 |
| Net operating income to assets | 0.4790% | 4,405 |
| Return on assets (ROA) | 0.4790% | 4,604 |
| Pretax return on assets | 0.4984% | 4,933 |
| Return on Equity (ROE) | 5.3445% | 4,112 |
| Retained earnings to average equity (ytd only) | 1.4305% | 5,228 |
| Net charge-offs to loans | 1.4106% | 1,444 |
| Credit loss provision to net charge-offs | 31.5909% | 6,135 |
| Earnings coverage of net charge-offs (x) | 0.7841% | 5,269 |
| Efficiency ratio | 79.9884% | 2,337 |
| Assets per employee ($millions) | 3.3509% | 5,324 |
| Cash dividends to net income (ytd only)* | 73.2338% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9213% | 6,670 |
| Loan loss allowance to noncurrent loans | 32.0161% | 6,207 |
| Noncurrent assets plus other real estate owned to assets | 2.3997% | 2,979 |
| Noncurrent loans to loans | 2.8776% | 2,776 |
| Net loans and leases to total assets | 74.9495% | 1,593 |
| Net loans and leases to deposits | 89.6389% | 1,768 |
| Net loans and leases to core deposits | 98.2172% | 2,019 |
| Total domestic deposits to total assets | 83.6127% | 4,311 |
| Equity capital to assets | 8.8546% | 5,771 |
| Core capital (leverage) ratio | 8.2867% | 5,896 |
| Tier 1 risk-based capital ratio | 10.3078% | 6,891 |
| Total risk-based capital ratio | 11.1845% | 7,089 |
| Memoranda: | ||
| Average total assets | $55,111,750 | 6,445 |
| Average earning assets | $50,318,250 | 6,427 |
| Average equity | $4,939,500 | 6,772 |
| Average total loans | $41,589,500 | 5,939 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6354% | 2,002 |
| Cost of funding earning assets | 1.7470% | 1,884 |
| Net interest margin | 3.8884% | 3,501 |
| Noninterest income to average assets | 0.5322% | 3,856 |
| Noninterest expense to average assets | 3.4756% | 2,082 |
| Loan and lease loss provision to assets | 0.4331% | 3,149 |
| Net operating income to assets | 0.1615% | 5,689 |
| Return on assets (ROA) | 0.1615% | 5,809 |
| Pretax return on assets | 0.1688% | 5,848 |
| Return on Equity (ROE) | 1.7942% | 5,695 |
| Retained earnings to average equity (ytd only) | -2.6913% | 6,250 |
| Net charge-offs to loans | 1.8205% | 1,021 |
| Credit loss provision to net charge-offs | 31.5508% | 5,709 |
| Earnings coverage of net charge-offs (x) | 0.4385% | 5,284 |
| Efficiency ratio | 85.2385% | 1,794 |
| Assets per employee ($millions) | 3.2988% | 5,435 |
| Cash dividends to net income (ytd only)* | 250.0000% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0521% | 6,172 |
| Loan loss allowance to noncurrent loans | 32.7407% | 6,186 |
| Noncurrent assets plus other real estate owned to assets | 2.6355% | 2,739 |
| Noncurrent loans to loans | 3.2134% | 2,493 |
| Net loans and leases to total assets | 74.1245% | 1,882 |
| Net loans and leases to deposits | 89.6831% | 1,913 |
| Net loans and leases to core deposits | 99.0634% | 2,117 |
| Total domestic deposits to total assets | 82.6516% | 4,715 |
| Equity capital to assets | 8.7518% | 5,811 |
| Core capital (leverage) ratio | 8.1687% | 6,005 |
| Tier 1 risk-based capital ratio | 10.0148% | 7,016 |
| Total risk-based capital ratio | 10.9878% | 7,158 |
| Memoranda: | ||
| Average total assets | $54,494,000 | 6,508 |
| Average earning assets | $49,686,330 | 6,485 |
| Average equity | $4,904,670 | 6,811 |
| Average total loans | $41,088,670 | 6,007 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6939% | 1,806 |
| Cost of funding earning assets | 1.7016% | 2,379 |
| Net interest margin | 3.9923% | 2,899 |
| Noninterest income to average assets | 0.5661% | 3,516 |
| Noninterest expense to average assets | 3.4934% | 1,999 |
| Loan and lease loss provision to assets | 0.1564% | 4,969 |
| Net operating income to assets | 0.5289% | 4,240 |
| Return on assets (ROA) | 0.5289% | 4,379 |
| Pretax return on assets | 0.5512% | 4,783 |
| Return on Equity (ROE) | 5.7924% | 3,969 |
| Retained earnings to average equity (ytd only) | -3.1817% | 6,390 |
| Net charge-offs to loans | -0.0394% | 7,280 |
| Credit loss provision to net charge-offs | -525.0000% | 6,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1560% | 2,124 |
| Assets per employee ($millions) | 3.2814% | 5,579 |
| Cash dividends to net income (ytd only)* | 154.9296% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7597% | 2,866 |
| Loan loss allowance to noncurrent loans | 42.4047% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 3.2877% | 2,177 |
| Noncurrent loans to loans | 4.1498% | 1,856 |
| Net loans and leases to total assets | 72.3559% | 2,369 |
| Net loans and leases to deposits | 87.4586% | 2,321 |
| Net loans and leases to core deposits | 95.9630% | 2,595 |
| Total domestic deposits to total assets | 82.7316% | 4,741 |
| Equity capital to assets | 8.7498% | 5,652 |
| Core capital (leverage) ratio | 8.5461% | 5,297 |
| Tier 1 risk-based capital ratio | 10.3752% | 6,734 |
| Total risk-based capital ratio | 11.6291% | 6,731 |
| Memoranda: | ||
| Average total assets | $53,701,000 | 6,616 |
| Average earning assets | $48,894,500 | 6,595 |
| Average equity | $4,903,000 | 6,880 |
| Average total loans | $40,627,500 | 6,096 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0028% | 1,854 |
| Cost of funding earning assets | 1.9054% | 3,438 |
| Net interest margin | 4.0974% | 2,458 |
| Noninterest income to average assets | 0.6955% | 3,009 |
| Noninterest expense to average assets | 3.7972% | 1,699 |
| Loan and lease loss provision to assets | 0.3980% | 4,417 |
| Net operating income to assets | 0.2256% | 4,817 |
| Return on assets (ROA) | 0.2372% | 4,845 |
| Pretax return on assets | 0.2473% | 4,894 |
| Return on Equity (ROE) | 2.4570% | 4,730 |
| Retained earnings to average equity (ytd only) | 2.4570% | 3,419 |
| Net charge-offs to loans | 0.9414% | 2,512 |
| Credit loss provision to net charge-offs | 55.4622% | 6,686 |
| Earnings coverage of net charge-offs (x) | 0.8824% | 5,223 |
| Efficiency ratio | 85.7078% | 2,146 |
| Assets per employee ($millions) | 3.0364% | 6,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7377% | 2,754 |
| Loan loss allowance to noncurrent loans | 40.2537% | 5,726 |
| Noncurrent assets plus other real estate owned to assets | 3.6092% | 1,848 |
| Noncurrent loans to loans | 4.3168% | 1,671 |
| Net loans and leases to total assets | 76.4675% | 1,702 |
| Net loans and leases to deposits | 94.8708% | 1,481 |
| Net loans and leases to core deposits | 111.0545% | 2,792 |
| Total domestic deposits to total assets | 80.6017% | 5,474 |
| Equity capital to assets | 9.5412% | 4,364 |
| Core capital (leverage) ratio | 9.0098% | 4,399 |
| Tier 1 risk-based capital ratio | 10.8670% | 6,046 |
| Total risk-based capital ratio | 12.1221% | 6,010 |
| Memoranda: | ||
| Average total assets | $49,746,800 | 6,716 |
| Average earning assets | $45,345,800 | 6,707 |
| Average equity | $4,802,600 | 7,021 |
| Average total loans | $37,920,600 | 6,202 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0048% | 2,017 |
| Cost of funding earning assets | 1.8269% | 4,245 |
| Net interest margin | 4.1779% | 2,125 |
| Noninterest income to average assets | 0.7116% | 2,941 |
| Noninterest expense to average assets | 3.9556% | 1,338 |
| Loan and lease loss provision to assets | 0.5032% | 3,377 |
| Net operating income to assets | 0.0681% | 5,560 |
| Return on assets (ROA) | 0.0839% | 5,563 |
| Pretax return on assets | 0.0866% | 5,552 |
| Return on Equity (ROE) | 0.8661% | 5,540 |
| Retained earnings to average equity (ytd only) | 0.8661% | 4,821 |
| Net charge-offs to loans | 1.0457% | 1,890 |
| Credit loss provision to net charge-offs | 63.4812% | 6,112 |
| Earnings coverage of net charge-offs (x) | 0.7235% | 5,312 |
| Efficiency ratio | 87.3357% | 1,935 |
| Assets per employee ($millions) | 2.9734% | 6,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9036% | 2,019 |
| Loan loss allowance to noncurrent loans | 43.8340% | 5,393 |
| Noncurrent assets plus other real estate owned to assets | 3.7390% | 1,742 |
| Noncurrent loans to loans | 4.3427% | 1,640 |
| Net loans and leases to total assets | 76.4600% | 1,902 |
| Net loans and leases to deposits | 96.5646% | 1,504 |
| Net loans and leases to core deposits | 112.1464% | 3,007 |
| Total domestic deposits to total assets | 79.1802% | 5,743 |
| Equity capital to assets | 9.6225% | 4,592 |
| Core capital (leverage) ratio | 9.1088% | 4,479 |
| Tier 1 risk-based capital ratio | 10.8988% | 6,055 |
| Total risk-based capital ratio | 12.1552% | 6,005 |
| Memoranda: | ||
| Average total assets | $49,279,000 | 6,792 |
| Average earning assets | $45,029,500 | 6,777 |
| Average equity | $4,772,000 | 7,087 |
| Average total loans | $37,358,500 | 6,269 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8924% | 2,619 |
| Cost of funding earning assets | 1.8627% | 4,452 |
| Net interest margin | 4.0298% | 2,581 |
| Noninterest income to average assets | 0.7205% | 2,861 |
| Noninterest expense to average assets | 3.9135% | 1,458 |
| Loan and lease loss provision to assets | 0.7123% | 2,296 |
| Net operating income to assets | -0.2211% | 6,219 |
| Return on assets (ROA) | -0.1965% | 6,208 |
| Pretax return on assets | -0.1965% | 6,118 |
| Return on Equity (ROE) | -2.0247% | 6,226 |
| Retained earnings to average equity (ytd only) | -2.0247% | 5,747 |
| Net charge-offs to loans | 1.6740% | 1,132 |
| Credit loss provision to net charge-offs | 56.6775% | 5,649 |
| Earnings coverage of net charge-offs (x) | 0.3909% | 5,295 |
| Efficiency ratio | 88.8476% | 1,924 |
| Assets per employee ($millions) | 2.9050% | 6,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9186% | 1,746 |
| Loan loss allowance to noncurrent loans | 36.7513% | 5,958 |
| Noncurrent assets plus other real estate owned to assets | 4.3515% | 1,320 |
| Noncurrent loans to loans | 5.2205% | 1,144 |
| Net loans and leases to total assets | 74.9458% | 2,451 |
| Net loans and leases to deposits | 93.9343% | 2,102 |
| Net loans and leases to core deposits | 107.6525% | 3,645 |
| Total domestic deposits to total assets | 79.7854% | 5,541 |
| Equity capital to assets | 9.4826% | 4,631 |
| Core capital (leverage) ratio | 9.0768% | 4,500 |
| Tier 1 risk-based capital ratio | 11.0655% | 5,816 |
| Total risk-based capital ratio | 12.3215% | 5,726 |
| Memoranda: | ||
| Average total assets | $48,856,000 | 6,876 |
| Average earning assets | $44,667,330 | 6,850 |
| Average equity | $4,741,330 | 7,156 |
| Average total loans | $36,678,330 | 6,361 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9143% | 2,732 |
| Cost of funding earning assets | 1.8962% | 4,640 |
| Net interest margin | 4.0181% | 2,576 |
| Noninterest income to average assets | 0.6421% | 3,254 |
| Noninterest expense to average assets | 3.6714% | 1,708 |
| Loan and lease loss provision to assets | 0.0988% | 5,698 |
| Net operating income to assets | 0.5124% | 4,364 |
| Return on assets (ROA) | 0.5598% | 4,367 |
| Pretax return on assets | 0.5845% | 4,805 |
| Return on Equity (ROE) | 5.7017% | 4,168 |
| Retained earnings to average equity (ytd only) | 5.7017% | 2,778 |
| Net charge-offs to loans | -0.0885% | 7,844 |
| Credit loss provision to net charge-offs | -150.0000% | 6,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2772% | 2,160 |
| Assets per employee ($millions) | 2.8371% | 6,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3895% | 862 |
| Loan loss allowance to noncurrent loans | 35.7667% | 6,173 |
| Noncurrent assets plus other real estate owned to assets | 5.1316% | 870 |
| Noncurrent loans to loans | 6.6807% | 631 |
| Net loans and leases to total assets | 74.2800% | 2,688 |
| Net loans and leases to deposits | 93.3552% | 2,378 |
| Net loans and leases to core deposits | 106.9752% | 3,800 |
| Total domestic deposits to total assets | 79.5671% | 5,519 |
| Equity capital to assets | 10.0143% | 3,989 |
| Core capital (leverage) ratio | 9.4369% | 4,059 |
| Tier 1 risk-based capital ratio | 11.7394% | 5,178 |
| Total risk-based capital ratio | 13.0021% | 5,091 |
| Memoranda: | ||
| Average total assets | $48,591,500 | 6,919 |
| Average earning assets | $44,299,500 | 6,914 |
| Average equity | $4,770,500 | 7,199 |
| Average total loans | $36,149,500 | 6,435 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6050% | 2,465 |
| Cost of funding earning assets | 2.7447% | 2,953 |
| Net interest margin | 3.8602% | 3,741 |
| Noninterest income to average assets | 0.6885% | 3,195 |
| Noninterest expense to average assets | 3.4944% | 2,412 |
| Loan and lease loss provision to assets | 0.1397% | 5,571 |
| Net operating income to assets | 0.4650% | 4,885 |
| Return on assets (ROA) | 0.4650% | 4,706 |
| Pretax return on assets | 0.5488% | 4,858 |
| Return on Equity (ROE) | 4.9653% | 4,407 |
| Retained earnings to average equity (ytd only) | -1.6409% | 5,777 |
| Net charge-offs to loans | 0.6259% | 1,963 |
| Credit loss provision to net charge-offs | 30.1724% | 6,523 |
| Earnings coverage of net charge-offs (x) | 1.4871% | 5,359 |
| Efficiency ratio | 83.5401% | 2,109 |
| Assets per employee ($millions) | 2.8795% | 6,370 |
| Cash dividends to net income (ytd only)* | 133.0472% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4076% | 759 |
| Loan loss allowance to noncurrent loans | 46.5508% | 5,687 |
| Noncurrent assets plus other real estate owned to assets | 3.8078% | 1,117 |
| Noncurrent loans to loans | 5.1719% | 827 |
| Net loans and leases to total assets | 70.9654% | 3,790 |
| Net loans and leases to deposits | 88.5702% | 3,712 |
| Net loans and leases to core deposits | 102.7295% | 4,527 |
| Total domestic deposits to total assets | 80.1234% | 4,970 |
| Equity capital to assets | 9.6237% | 4,518 |
| Core capital (leverage) ratio | 9.2529% | 4,365 |
| Tier 1 risk-based capital ratio | 11.7360% | 5,025 |
| Total risk-based capital ratio | 12.9991% | 4,932 |
| Memoranda: | ||
| Average total assets | $50,108,800 | 6,772 |
| Average earning assets | $45,359,800 | 6,798 |
| Average equity | $4,692,600 | 7,256 |
| Average total loans | $37,068,800 | 6,312 |