Home > BANKWEST OF KANSAS > Performance and Condition Ratios
BANKWEST OF KANSAS, 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 | 5.7898% | 847 |
| Cost of funding earning assets | 0.8474% | 3,617 |
| Net interest margin | 4.9424% | 342 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 3.0985% | 960 |
| Loan and lease loss provision to assets | 0.2800% | 387 |
| Net operating income to assets | 1.4287% | 1,161 |
| Return on assets (ROA) | 1.4287% | 1,130 |
| Pretax return on assets | 1.4954% | 1,434 |
| Return on Equity (ROE) | 13.5700% | 1,587 |
| Retained earnings to average equity (ytd only) | 11.8058% | 656 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.6014% | 2,655 |
| Assets per employee ($millions) | 5.2031% | 3,472 |
| Cash dividends to net income (ytd only)* | 12.9801% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0570% | 345 |
| Loan loss allowance to noncurrent loans | 27.3825% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 3.5675% | 49 |
| Noncurrent loans to loans | 7.5122% | 21 |
| Net loans and leases to total assets | 46.5100% | 3,794 |
| Net loans and leases to deposits | 52.3051% | 3,866 |
| Net loans and leases to core deposits | 68.2701% | 3,392 |
| Total domestic deposits to total assets | 88.9300% | 1,087 |
| Equity capital to assets | 10.9001% | 1,521 |
| Core capital (leverage) ratio | 12.0542% | 1,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5770% | 507 |
| Memoranda: | ||
| Average total assets | $143,973,200 | 3,424 |
| Average earning assets | $137,121,000 | 3,371 |
| Average equity | $15,162,000 | 3,253 |
| Average total loans | $69,721,800 | 3,553 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7776% | 709 |
| Cost of funding earning assets | 0.8021% | 3,509 |
| Net interest margin | 4.9755% | 316 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 2.4830% | 2,290 |
| Loan and lease loss provision to assets | 0.3700% | 231 |
| Net operating income to assets | 1.9543% | 534 |
| Return on assets (ROA) | 1.9543% | 525 |
| Pretax return on assets | 2.0574% | 703 |
| Return on Equity (ROE) | 18.7300% | 852 |
| Retained earnings to average equity (ytd only) | 16.3330% | 439 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.5149% | 3,874 |
| Assets per employee ($millions) | 5.1356% | 3,488 |
| Cash dividends to net income (ytd only)* | 12.8058% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1289% | 328 |
| Loan loss allowance to noncurrent loans | 26.4490% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 3.9702% | 39 |
| Noncurrent loans to loans | 8.0492% | 20 |
| Net loans and leases to total assets | 47.1200% | 3,780 |
| Net loans and leases to deposits | 52.8156% | 3,848 |
| Net loans and leases to core deposits | 65.8341% | 3,440 |
| Total domestic deposits to total assets | 89.2200% | 1,183 |
| Equity capital to assets | 10.5177% | 1,548 |
| Core capital (leverage) ratio | 11.9126% | 1,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4471% | 520 |
| Memoranda: | ||
| Average total assets | $142,244,250 | 3,444 |
| Average earning assets | $135,808,250 | 3,394 |
| Average equity | $14,840,750 | 3,275 |
| Average total loans | $69,238,000 | 3,573 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6935% | 644 |
| Cost of funding earning assets | 0.7311% | 3,406 |
| Net interest margin | 4.9624% | 324 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 2.3891% | 2,528 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.4103% | 265 |
| Return on assets (ROA) | 2.4103% | 261 |
| Pretax return on assets | 2.5161% | 349 |
| Return on Equity (ROE) | 23.1700% | 479 |
| Retained earnings to average equity (ytd only) | 19.5438% | 263 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.7054% | 4,023 |
| Assets per employee ($millions) | 4.9786% | 3,613 |
| Cash dividends to net income (ytd only)* | 15.6323% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5474% | 1,044 |
| Loan loss allowance to noncurrent loans | 27.4189% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 2.9075% | 78 |
| Noncurrent loans to loans | 5.6436% | 41 |
| Net loans and leases to total assets | 49.0200% | 3,623 |
| Net loans and leases to deposits | 55.1385% | 3,688 |
| Net loans and leases to core deposits | 68.9762% | 3,186 |
| Total domestic deposits to total assets | 88.9000% | 1,294 |
| Equity capital to assets | 10.9857% | 1,395 |
| Core capital (leverage) ratio | 12.0722% | 1,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5481% | 519 |
| Memoranda: | ||
| Average total assets | $141,727,000 | 3,461 |
| Average earning assets | $135,137,333 | 3,410 |
| Average equity | $14,746,333 | 3,297 |
| Average total loans | $69,238,333 | 3,579 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4478% | 667 |
| Cost of funding earning assets | 0.6758% | 3,136 |
| Net interest margin | 4.7719% | 389 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.1779% | 3,152 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.4410% | 263 |
| Return on assets (ROA) | 2.4410% | 260 |
| Pretax return on assets | 2.5474% | 340 |
| Return on Equity (ROE) | 24.1200% | 450 |
| Retained earnings to average equity (ytd only) | 16.7329% | 616 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 46.0900% | 4,212 |
| Assets per employee ($millions) | 5.2203% | 3,487 |
| Cash dividends to net income (ytd only)* | 30.6193% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5877% | 1,034 |
| Loan loss allowance to noncurrent loans | 26.2399% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 3.0004% | 53 |
| Noncurrent loans to loans | 6.0507% | 41 |
| Net loans and leases to total assets | 47.2300% | 3,690 |
| Net loans and leases to deposits | 52.8614% | 3,747 |
| Net loans and leases to core deposits | 65.7907% | 3,242 |
| Total domestic deposits to total assets | 89.3500% | 1,396 |
| Equity capital to assets | 10.5769% | 1,527 |
| Core capital (leverage) ratio | 11.1914% | 1,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3474% | 625 |
| Memoranda: | ||
| Average total assets | $142,890,500 | 3,494 |
| Average earning assets | $136,129,500 | 3,447 |
| Average equity | $14,462,500 | 3,352 |
| Average total loans | $69,154,500 | 3,621 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9359% | 1,893 |
| Cost of funding earning assets | 0.1952% | 3,797 |
| Net interest margin | 3.7408% | 1,282 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 2.7479% | 1,444 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9841% | 2,622 |
| Return on assets (ROA) | 0.9841% | 2,577 |
| Pretax return on assets | 1.0195% | 3,025 |
| Return on Equity (ROE) | 9.9600% | 2,822 |
| Retained earnings to average equity (ytd only) | 5.7398% | 2,736 |
| Net charge-offs to loans | 0.2097% | 397 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 10.1875% | 2,200 |
| Efficiency ratio | 72.9386% | 1,339 |
| Assets per employee ($millions) | 5.3641% | 3,356 |
| Cash dividends to net income (ytd only)* | 42.3729% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 1,148 |
| Loan loss allowance to noncurrent loans | 65.7685% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.2214% | 310 |
| Noncurrent loans to loans | 2.3109% | 218 |
| Net loans and leases to total assets | 48.0500% | 3,664 |
| Net loans and leases to deposits | 53.2319% | 3,725 |
| Net loans and leases to core deposits | 66.7415% | 3,081 |
| Total domestic deposits to total assets | 90.2600% | 1,257 |
| Equity capital to assets | 9.6781% | 1,899 |
| Core capital (leverage) ratio | 11.1490% | 1,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0864% | 706 |
| Memoranda: | ||
| Average total assets | $143,893,000 | 3,504 |
| Average earning assets | $138,340,600 | 3,434 |
| Average equity | $14,216,400 | 3,441 |
| Average total loans | $68,683,000 | 3,599 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5320% | 2,518 |
| Cost of funding earning assets | 0.1030% | 4,257 |
| Net interest margin | 3.4290% | 1,870 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 2.3472% | 2,486 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0877% | 2,153 |
| Return on assets (ROA) | 1.0877% | 2,117 |
| Pretax return on assets | 1.1314% | 2,623 |
| Return on Equity (ROE) | 10.9500% | 2,395 |
| Retained earnings to average equity (ytd only) | 5.3458% | 2,978 |
| Net charge-offs to loans | 0.2796% | 239 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 8.5245% | 2,041 |
| Efficiency ratio | 67.4760% | 2,092 |
| Assets per employee ($millions) | 5.4135% | 3,318 |
| Cash dividends to net income (ytd only)* | 51.1945% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5649% | 1,137 |
| Loan loss allowance to noncurrent loans | 65.6689% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 1.2597% | 306 |
| Noncurrent loans to loans | 2.3830% | 229 |
| Net loans and leases to total assets | 48.0400% | 3,624 |
| Net loans and leases to deposits | 53.2558% | 3,650 |
| Net loans and leases to core deposits | 65.1568% | 3,012 |
| Total domestic deposits to total assets | 90.2100% | 1,564 |
| Equity capital to assets | 9.6681% | 1,789 |
| Core capital (leverage) ratio | 10.6741% | 1,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4101% | 692 |
| Memoranda: | ||
| Average total assets | $143,658,250 | 3,529 |
| Average earning assets | $138,463,500 | 3,458 |
| Average equity | $14,266,250 | 3,480 |
| Average total loans | $68,187,750 | 3,619 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0593% | 3,405 |
| Cost of funding earning assets | 0.0901% | 4,288 |
| Net interest margin | 2.9692% | 2,976 |
| Noninterest income to average assets | 0.1687% | 4,169 |
| Noninterest expense to average assets | 2.3121% | 2,512 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7039% | 3,298 |
| Return on assets (ROA) | 0.7039% | 3,249 |
| Pretax return on assets | 0.7274% | 3,509 |
| Return on Equity (ROE) | 7.0276% | 3,307 |
| Retained earnings to average equity (ytd only) | -1.2564% | 4,316 |
| Net charge-offs to loans | 0.4205% | 167 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 3.6783% | 1,986 |
| Efficiency ratio | 76.0692% | 1,276 |
| Assets per employee ($millions) | 4.9056% | 3,756 |
| Cash dividends to net income (ytd only)* | 117.8782% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5805% | 1,197 |
| Loan loss allowance to noncurrent loans | 65.5888% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 1.1521% | 372 |
| Noncurrent loans to loans | 2.4097% | 243 |
| Net loans and leases to total assets | 47.0565% | 3,625 |
| Net loans and leases to deposits | 52.1213% | 3,676 |
| Net loans and leases to core deposits | 65.0994% | 2,890 |
| Total domestic deposits to total assets | 90.2826% | 1,587 |
| Equity capital to assets | 9.6625% | 1,903 |
| Core capital (leverage) ratio | 10.1717% | 2,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9706% | 724 |
| Memoranda: | ||
| Average total assets | $144,627,333 | 3,556 |
| Average earning assets | $139,837,667 | 3,492 |
| Average equity | $14,485,667 | 3,543 |
| Average total loans | $68,018,333 | 3,655 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7193% | 3,902 |
| Cost of funding earning assets | 0.0881% | 4,271 |
| Net interest margin | 2.6312% | 3,582 |
| Noninterest income to average assets | 0.1701% | 4,150 |
| Noninterest expense to average assets | 2.3098% | 2,463 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3813% | 3,998 |
| Return on assets (ROA) | 0.3813% | 3,962 |
| Pretax return on assets | 0.4005% | 4,032 |
| Return on Equity (ROE) | 3.7427% | 3,940 |
| Retained earnings to average equity (ytd only) | -12.4129% | 4,605 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2227% | 777 |
| Assets per employee ($millions) | 4.8275% | 3,897 |
| Cash dividends to net income (ytd only)* | 431.6547% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8460% | 812 |
| Loan loss allowance to noncurrent loans | 75.8406% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 1.1089% | 424 |
| Noncurrent loans to loans | 2.4341% | 254 |
| Net loans and leases to total assets | 44.7167% | 3,686 |
| Net loans and leases to deposits | 49.6858% | 3,758 |
| Net loans and leases to core deposits | 64.0253% | 2,793 |
| Total domestic deposits to total assets | 89.9990% | 1,563 |
| Equity capital to assets | 9.9852% | 1,899 |
| Core capital (leverage) ratio | 9.6482% | 2,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1263% | 739 |
| Memoranda: | ||
| Average total assets | $145,810,500 | 3,558 |
| Average earning assets | $140,773,000 | 3,497 |
| Average equity | $14,855,500 | 3,573 |
| Average total loans | $68,018,500 | 3,656 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5897% | 2,420 |
| Cost of funding earning assets | 0.1204% | 4,217 |
| Net interest margin | 3.4693% | 1,835 |
| Noninterest income to average assets | 0.2056% | 4,135 |
| Noninterest expense to average assets | 3.0871% | 858 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4396% | 4,205 |
| Return on assets (ROA) | 0.4396% | 4,246 |
| Pretax return on assets | 0.4612% | 4,311 |
| Return on Equity (ROE) | 4.1110% | 4,196 |
| Retained earnings to average equity (ytd only) | 4.1110% | 3,182 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0033% | 426 |
| Assets per employee ($millions) | 4.7354% | 3,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7386% | 964 |
| Loan loss allowance to noncurrent loans | 70.5678% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 1.1758% | 426 |
| Noncurrent loans to loans | 2.4637% | 272 |
| Net loans and leases to total assets | 46.8950% | 3,614 |
| Net loans and leases to deposits | 52.3426% | 3,716 |
| Net loans and leases to core deposits | 70.6573% | 2,386 |
| Total domestic deposits to total assets | 89.5924% | 1,178 |
| Equity capital to assets | 10.3886% | 2,281 |
| Core capital (leverage) ratio | 10.4021% | 1,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1236% | 741 |
| Memoranda: | ||
| Average total assets | $143,985,200 | 3,546 |
| Average earning assets | $138,730,600 | 3,489 |
| Average equity | $15,397,600 | 3,595 |
| Average total loans | $76,354,400 | 3,534 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8018% | 2,007 |
| Cost of funding earning assets | 0.1236% | 4,317 |
| Net interest margin | 3.6782% | 1,388 |
| Noninterest income to average assets | 0.2177% | 4,095 |
| Noninterest expense to average assets | 2.6251% | 1,771 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0859% | 2,609 |
| Return on assets (ROA) | 1.0859% | 2,662 |
| Pretax return on assets | 1.1362% | 3,116 |
| Return on Equity (ROE) | 10.0811% | 2,710 |
| Retained earnings to average equity (ytd only) | 10.0811% | 1,292 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7922% | 1,624 |
| Assets per employee ($millions) | 4.3692% | 4,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6964% | 1,116 |
| Loan loss allowance to noncurrent loans | 54.4966% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 1.5985% | 297 |
| Noncurrent loans to loans | 3.1128% | 206 |
| Net loans and leases to total assets | 50.4824% | 3,352 |
| Net loans and leases to deposits | 57.0111% | 3,489 |
| Net loans and leases to core deposits | 73.1753% | 2,303 |
| Total domestic deposits to total assets | 88.5484% | 1,544 |
| Equity capital to assets | 11.3572% | 1,771 |
| Core capital (leverage) ratio | 10.8186% | 1,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5276% | 745 |
| Memoranda: | ||
| Average total assets | $143,282,500 | 3,589 |
| Average earning assets | $138,035,500 | 3,528 |
| Average equity | $15,434,500 | 3,636 |
| Average total loans | $77,928,500 | 3,559 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9237% | 1,759 |
| Cost of funding earning assets | 0.1250% | 4,392 |
| Net interest margin | 3.7986% | 1,139 |
| Noninterest income to average assets | 0.2409% | 3,961 |
| Noninterest expense to average assets | 2.4689% | 2,243 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3694% | 1,656 |
| Return on assets (ROA) | 1.3694% | 1,730 |
| Pretax return on assets | 1.4318% | 2,237 |
| Return on Equity (ROE) | 12.9397% | 1,736 |
| Retained earnings to average equity (ytd only) | 12.9397% | 728 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2943% | 2,521 |
| Assets per employee ($millions) | 4.5114% | 4,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5494% | 1,426 |
| Loan loss allowance to noncurrent loans | 40.1518% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 2.1673% | 185 |
| Noncurrent loans to loans | 3.8589% | 147 |
| Net loans and leases to total assets | 55.2931% | 2,982 |
| Net loans and leases to deposits | 62.3355% | 3,166 |
| Net loans and leases to core deposits | 80.8492% | 1,819 |
| Total domestic deposits to total assets | 88.7024% | 1,454 |
| Equity capital to assets | 11.2275% | 1,813 |
| Core capital (leverage) ratio | 10.5948% | 1,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0117% | 957 |
| Memoranda: | ||
| Average total assets | $144,438,333 | 3,582 |
| Average earning assets | $139,156,000 | 3,520 |
| Average equity | $15,286,333 | 3,652 |
| Average total loans | $79,971,333 | 3,549 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2337% | 1,139 |
| Cost of funding earning assets | 0.1274% | 4,477 |
| Net interest margin | 4.1063% | 714 |
| Noninterest income to average assets | 0.3026% | 3,600 |
| Noninterest expense to average assets | 2.4835% | 2,223 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6956% | 946 |
| Return on assets (ROA) | 1.6956% | 995 |
| Pretax return on assets | 1.7720% | 1,349 |
| Return on Equity (ROE) | 16.5003% | 928 |
| Retained earnings to average equity (ytd only) | 16.5003% | 464 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3600% | 3,251 |
| Assets per employee ($millions) | 4.7714% | 3,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4944% | 1,628 |
| Loan loss allowance to noncurrent loans | 21.5056% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 3.8259% | 64 |
| Noncurrent loans to loans | 6.9491% | 47 |
| Net loans and leases to total assets | 54.2332% | 3,217 |
| Net loans and leases to deposits | 60.5478% | 3,441 |
| Net loans and leases to core deposits | 79.5948% | 2,040 |
| Total domestic deposits to total assets | 89.5709% | 1,038 |
| Equity capital to assets | 10.3669% | 2,382 |
| Core capital (leverage) ratio | 9.9314% | 2,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9280% | 1,081 |
| Memoranda: | ||
| Average total assets | $146,731,000 | 3,556 |
| Average earning assets | $141,248,000 | 3,500 |
| Average equity | $15,078,500 | 3,675 |
| Average total loans | $80,684,000 | 3,548 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7424% | 824 |
| Cost of funding earning assets | 0.2920% | 4,192 |
| Net interest margin | 4.4505% | 362 |
| Noninterest income to average assets | 0.1949% | 4,308 |
| Noninterest expense to average assets | 3.3793% | 811 |
| Loan and lease loss provision to assets | 0.0716% | 3,489 |
| Net operating income to assets | 0.9366% | 2,534 |
| Return on assets (ROA) | 0.9366% | 2,683 |
| Pretax return on assets | 0.9807% | 3,103 |
| Return on Equity (ROE) | 8.1884% | 2,744 |
| Retained earnings to average equity (ytd only) | -0.4660% | 4,587 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2543% | 1,193 |
| Assets per employee ($millions) | 4.5484% | 3,871 |
| Cash dividends to net income (ytd only)* | 105.6911% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5225% | 1,506 |
| Loan loss allowance to noncurrent loans | 19.8208% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 4.2185% | 55 |
| Noncurrent loans to loans | 7.6814% | 41 |
| Net loans and leases to total assets | 54.0821% | 3,479 |
| Net loans and leases to deposits | 60.2385% | 3,740 |
| Net loans and leases to core deposits | 82.6536% | 2,146 |
| Total domestic deposits to total assets | 89.7801% | 647 |
| Equity capital to assets | 10.1842% | 2,944 |
| Core capital (leverage) ratio | 10.0262% | 2,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1168% | 1,235 |
| Memoranda: | ||
| Average total assets | $131,328,800 | 3,611 |
| Average earning assets | $125,020,000 | 3,568 |
| Average equity | $15,021,200 | 3,650 |
| Average total loans | $87,585,600 | 3,441 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1680% | 442 |
| Cost of funding earning assets | 0.3472% | 4,070 |
| Net interest margin | 4.8208% | 194 |
| Noninterest income to average assets | 0.1993% | 4,282 |
| Noninterest expense to average assets | 2.7913% | 1,992 |
| Loan and lease loss provision to assets | 1.0049% | 139 |
| Net operating income to assets | 0.8974% | 2,720 |
| Return on assets (ROA) | 0.8974% | 2,834 |
| Pretax return on assets | 0.9819% | 3,126 |
| Return on Equity (ROE) | 7.6084% | 2,955 |
| Retained earnings to average equity (ytd only) | 4.9543% | 2,579 |
| Net charge-offs to loans | -0.0015% | 3,856 |
| Credit loss provision to net charge-offs | -96,300.0000% | 4,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4189% | 3,609 |
| Assets per employee ($millions) | 4.0987% | 4,239 |
| Cash dividends to net income (ytd only)* | 34.8837% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4338% | 252 |
| Loan loss allowance to noncurrent loans | 141.2999% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 1.0920% | 961 |
| Noncurrent loans to loans | 1.7225% | 788 |
| Net loans and leases to total assets | 61.8546% | 3,028 |
| Net loans and leases to deposits | 69.9386% | 3,319 |
| Net loans and leases to core deposits | 91.9019% | 1,803 |
| Total domestic deposits to total assets | 88.4412% | 996 |
| Equity capital to assets | 11.4265% | 2,065 |
| Core capital (leverage) ratio | 10.6462% | 2,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1051% | 1,229 |
| Memoranda: | ||
| Average total assets | $127,773,750 | 3,643 |
| Average earning assets | $121,359,750 | 3,601 |
| Average equity | $15,070,750 | 3,646 |
| Average total loans | $89,498,750 | 3,423 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4481% | 367 |
| Cost of funding earning assets | 0.4385% | 3,853 |
| Net interest margin | 5.0096% | 202 |
| Noninterest income to average assets | 0.2171% | 4,184 |
| Noninterest expense to average assets | 2.7778% | 2,141 |
| Loan and lease loss provision to assets | 0.0399% | 3,779 |
| Net operating income to assets | 2.0498% | 296 |
| Return on assets (ROA) | 2.0498% | 333 |
| Pretax return on assets | 2.1408% | 401 |
| Return on Equity (ROE) | 17.1857% | 432 |
| Retained earnings to average equity (ytd only) | 13.1703% | 339 |
| Net charge-offs to loans | -0.0022% | 3,838 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0206% | 3,942 |
| Assets per employee ($millions) | 4.1253% | 4,181 |
| Cash dividends to net income (ytd only)* | 23.3645% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2609% | 2,199 |
| Loan loss allowance to noncurrent loans | 262.9291% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.3116% | 3,067 |
| Noncurrent loans to loans | 0.4796% | 2,711 |
| Net loans and leases to total assets | 64.1504% | 2,861 |
| Net loans and leases to deposits | 72.3988% | 3,218 |
| Net loans and leases to core deposits | 95.5099% | 1,612 |
| Total domestic deposits to total assets | 88.6070% | 905 |
| Equity capital to assets | 11.2925% | 2,127 |
| Core capital (leverage) ratio | 11.3609% | 1,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2338% | 1,432 |
| Memoranda: | ||
| Average total assets | $125,279,667 | 3,659 |
| Average earning assets | $118,572,667 | 3,613 |
| Average equity | $14,942,667 | 3,661 |
| Average total loans | $90,748,667 | 3,396 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8151% | 210 |
| Cost of funding earning assets | 0.6788% | 3,018 |
| Net interest margin | 5.1363% | 160 |
| Noninterest income to average assets | 0.2649% | 3,948 |
| Noninterest expense to average assets | 3.0563% | 1,750 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.9798% | 280 |
| Return on assets (ROA) | 1.9798% | 308 |
| Pretax return on assets | 2.0647% | 395 |
| Return on Equity (ROE) | 16.0889% | 413 |
| Retained earnings to average equity (ytd only) | 7.8099% | 1,290 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6817% | 3,783 |
| Assets per employee ($millions) | 3.5948% | 4,397 |
| Cash dividends to net income (ytd only)* | 51.4580% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 2,536 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 76.3850% | 1,233 |
| Net loans and leases to deposits | 86.9883% | 1,874 |
| Net loans and leases to core deposits | 105.1194% | 1,107 |
| Total domestic deposits to total assets | 87.8106% | 1,182 |
| Equity capital to assets | 12.0654% | 2,020 |
| Core capital (leverage) ratio | 12.2205% | 1,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3893% | 1,785 |
| Memoranda: | ||
| Average total assets | $117,789,000 | 3,733 |
| Average earning assets | $111,365,000 | 3,698 |
| Average equity | $14,494,500 | 3,719 |
| Average total loans | $90,559,500 | 3,384 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8442% | 298 |
| Cost of funding earning assets | 0.8255% | 2,555 |
| Net interest margin | 5.0187% | 259 |
| Noninterest income to average assets | 0.2608% | 4,117 |
| Noninterest expense to average assets | 3.6187% | 838 |
| Loan and lease loss provision to assets | 0.2565% | 700 |
| Net operating income to assets | 1.0932% | 2,467 |
| Return on assets (ROA) | 1.0932% | 2,572 |
| Pretax return on assets | 1.1319% | 3,071 |
| Return on Equity (ROE) | 8.9606% | 2,772 |
| Retained earnings to average equity (ytd only) | 6.8439% | 1,458 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2709% | 1,833 |
| Assets per employee ($millions) | 3.7726% | 4,185 |
| Cash dividends to net income (ytd only)* | 23.6220% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 2,135 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 75.4673% | 1,510 |
| Net loans and leases to deposits | 86.5284% | 2,024 |
| Net loans and leases to core deposits | 105.9456% | 1,110 |
| Total domestic deposits to total assets | 87.2168% | 1,506 |
| Equity capital to assets | 12.5490% | 1,788 |
| Core capital (leverage) ratio | 12.9088% | 1,280 |
| Tier 1 risk-based capital ratio | 14.3032% | 3,120 |
| Total risk-based capital ratio | 15.4383% | 3,082 |
| Memoranda: | ||
| Average total assets | $116,172,800 | 3,747 |
| Average earning assets | $109,870,000 | 3,710 |
| Average equity | $14,173,200 | 3,728 |
| Average total loans | $86,780,000 | 3,471 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8341% | 327 |
| Cost of funding earning assets | 0.8747% | 2,344 |
| Net interest margin | 4.9594% | 316 |
| Noninterest income to average assets | 0.2598% | 4,190 |
| Noninterest expense to average assets | 3.1166% | 1,677 |
| Loan and lease loss provision to assets | 0.3426% | 396 |
| Net operating income to assets | 1.4324% | 1,376 |
| Return on assets (ROA) | 1.4324% | 1,434 |
| Pretax return on assets | 1.5002% | 1,955 |
| Return on Equity (ROE) | 11.8262% | 1,680 |
| Retained earnings to average equity (ytd only) | 8.9788% | 1,053 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8419% | 3,191 |
| Assets per employee ($millions) | 3.4564% | 4,545 |
| Cash dividends to net income (ytd only)* | 24.0771% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 2,158 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 79.4206% | 926 |
| Net loans and leases to deposits | 91.9649% | 1,438 |
| Net loans and leases to core deposits | 108.7111% | 1,007 |
| Total domestic deposits to total assets | 86.3597% | 1,840 |
| Equity capital to assets | 13.2750% | 1,472 |
| Core capital (leverage) ratio | 12.3986% | 1,627 |
| Tier 1 risk-based capital ratio | 14.4611% | 3,094 |
| Total risk-based capital ratio | 15.6107% | 3,056 |
| Memoranda: | ||
| Average total assets | $115,978,500 | 3,796 |
| Average earning assets | $109,902,000 | 3,751 |
| Average equity | $14,047,500 | 3,776 |
| Average total loans | $86,129,500 | 3,523 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6471% | 440 |
| Cost of funding earning assets | 0.8752% | 2,274 |
| Net interest margin | 4.7718% | 430 |
| Noninterest income to average assets | 0.2615% | 4,189 |
| Noninterest expense to average assets | 2.9481% | 2,143 |
| Loan and lease loss provision to assets | 0.1019% | 1,835 |
| Net operating income to assets | 1.6779% | 756 |
| Return on assets (ROA) | 1.6779% | 789 |
| Pretax return on assets | 1.7390% | 1,190 |
| Return on Equity (ROE) | 14.2819% | 921 |
| Retained earnings to average equity (ytd only) | 9.9453% | 772 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5603% | 3,497 |
| Assets per employee ($millions) | 3.6363% | 4,332 |
| Cash dividends to net income (ytd only)* | 30.3644% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 3,690 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 76.1810% | 1,517 |
| Net loans and leases to deposits | 87.2464% | 2,096 |
| Net loans and leases to core deposits | 105.6077% | 1,272 |
| Total domestic deposits to total assets | 87.3171% | 1,428 |
| Equity capital to assets | 12.3624% | 1,930 |
| Core capital (leverage) ratio | 11.9208% | 1,876 |
| Tier 1 risk-based capital ratio | 14.1111% | 3,256 |
| Total risk-based capital ratio | 15.0117% | 3,340 |
| Memoranda: | ||
| Average total assets | $117,769,330 | 3,804 |
| Average earning assets | $111,739,670 | 3,743 |
| Average equity | $13,835,670 | 3,808 |
| Average total loans | $85,183,670 | 3,565 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4856% | 535 |
| Cost of funding earning assets | 0.8673% | 2,173 |
| Net interest margin | 4.6183% | 589 |
| Noninterest income to average assets | 0.2532% | 4,201 |
| Noninterest expense to average assets | 3.0184% | 1,944 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5362% | 1,040 |
| Return on assets (ROA) | 1.5362% | 1,063 |
| Pretax return on assets | 1.6037% | 1,462 |
| Return on Equity (ROE) | 13.4208% | 1,103 |
| Retained earnings to average equity (ytd only) | 4.5719% | 3,098 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3031% | 3,041 |
| Assets per employee ($millions) | 3.5676% | 4,500 |
| Cash dividends to net income (ytd only)* | 65.9341% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0265% | 3,542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 67.5636% | 2,821 |
| Net loans and leases to deposits | 76.7488% | 3,189 |
| Net loans and leases to core deposits | 91.8501% | 2,312 |
| Total domestic deposits to total assets | 88.0321% | 1,324 |
| Equity capital to assets | 11.6417% | 2,278 |
| Core capital (leverage) ratio | 11.2558% | 2,335 |
| Tier 1 risk-based capital ratio | 14.7062% | 2,996 |
| Total risk-based capital ratio | 15.6160% | 3,092 |
| Memoranda: | ||
| Average total assets | $118,473,500 | 3,832 |
| Average earning assets | $112,075,000 | 3,786 |
| Average equity | $13,561,000 | 3,860 |
| Average total loans | $83,010,500 | 3,632 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5509% | 361 |
| Cost of funding earning assets | 0.5741% | 2,892 |
| Net interest margin | 4.9768% | 276 |
| Noninterest income to average assets | 0.3145% | 4,015 |
| Noninterest expense to average assets | 3.7800% | 706 |
| Loan and lease loss provision to assets | 0.1167% | 1,886 |
| Net operating income to assets | 1.0761% | 2,693 |
| Return on assets (ROA) | 1.0761% | 2,682 |
| Pretax return on assets | 1.1265% | 3,184 |
| Return on Equity (ROE) | 8.9119% | 3,038 |
| Retained earnings to average equity (ytd only) | 8.9119% | 896 |
| Net charge-offs to loans | 0.0012% | 3,729 |
| Credit loss provision to net charge-offs | 12,500.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 1,332.0000% | 84 |
| Efficiency ratio | 75.2508% | 1,459 |
| Assets per employee ($millions) | 3.6128% | 4,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 3,895 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 71.1493% | 2,402 |
| Net loans and leases to deposits | 80.5032% | 2,897 |
| Net loans and leases to core deposits | 98.3992% | 1,840 |
| Total domestic deposits to total assets | 88.3807% | 1,126 |
| Equity capital to assets | 11.2637% | 2,461 |
| Core capital (leverage) ratio | 11.6486% | 1,993 |
| Tier 1 risk-based capital ratio | 13.9583% | 3,308 |
| Total risk-based capital ratio | 14.8312% | 3,412 |
| Memoranda: | ||
| Average total assets | $107,142,000 | 3,986 |
| Average earning assets | $101,370,800 | 3,955 |
| Average equity | $12,937,800 | 3,895 |
| Average total loans | $80,533,000 | 3,658 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5035% | 356 |
| Cost of funding earning assets | 0.5035% | 3,176 |
| Net interest margin | 5.0000% | 268 |
| Noninterest income to average assets | 0.3201% | 4,007 |
| Noninterest expense to average assets | 3.3178% | 1,266 |
| Loan and lease loss provision to assets | 0.1216% | 1,653 |
| Net operating income to assets | 1.5520% | 1,061 |
| Return on assets (ROA) | 1.5520% | 1,060 |
| Pretax return on assets | 1.6237% | 1,504 |
| Return on Equity (ROE) | 12.6099% | 1,576 |
| Retained earnings to average equity (ytd only) | 12.6099% | 406 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5286% | 2,955 |
| Assets per employee ($millions) | 3.2314% | 4,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9271% | 4,149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 77.4231% | 1,428 |
| Net loans and leases to deposits | 88.4986% | 2,088 |
| Net loans and leases to core deposits | 101.5774% | 1,645 |
| Total domestic deposits to total assets | 87.4851% | 1,498 |
| Equity capital to assets | 12.1499% | 1,803 |
| Core capital (leverage) ratio | 12.2109% | 1,662 |
| Tier 1 risk-based capital ratio | 13.8131% | 3,459 |
| Total risk-based capital ratio | 14.6428% | 3,608 |
| Memoranda: | ||
| Average total assets | $104,121,500 | 4,073 |
| Average earning assets | $98,770,500 | 4,033 |
| Average equity | $12,815,000 | 3,941 |
| Average total loans | $79,253,250 | 3,710 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3459% | 434 |
| Cost of funding earning assets | 0.4367% | 3,447 |
| Net interest margin | 4.9092% | 294 |
| Noninterest income to average assets | 0.3346% | 3,945 |
| Noninterest expense to average assets | 3.2562% | 1,422 |
| Loan and lease loss provision to assets | 0.1663% | 1,104 |
| Net operating income to assets | 1.5048% | 1,149 |
| Return on assets (ROA) | 1.5048% | 1,145 |
| Pretax return on assets | 1.5753% | 1,581 |
| Return on Equity (ROE) | 12.1706% | 1,664 |
| Retained earnings to average equity (ytd only) | 12.1706% | 495 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1527% | 3,134 |
| Assets per employee ($millions) | 3.1661% | 4,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9331% | 4,190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 77.5221% | 1,390 |
| Net loans and leases to deposits | 88.4765% | 2,052 |
| Net loans and leases to core deposits | 101.5664% | 1,597 |
| Total domestic deposits to total assets | 87.6189% | 1,579 |
| Equity capital to assets | 12.0699% | 1,812 |
| Core capital (leverage) ratio | 11.8516% | 1,802 |
| Tier 1 risk-based capital ratio | 13.8993% | 3,403 |
| Total risk-based capital ratio | 14.7521% | 3,528 |
| Memoranda: | ||
| Average total assets | $102,205,670 | 4,140 |
| Average earning assets | $97,083,670 | 4,091 |
| Average equity | $12,637,000 | 3,989 |
| Average total loans | $77,051,000 | 3,776 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1336% | 552 |
| Cost of funding earning assets | 0.3437% | 4,036 |
| Net interest margin | 4.7899% | 353 |
| Noninterest income to average assets | 0.3458% | 3,829 |
| Noninterest expense to average assets | 3.4297% | 1,113 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3992% | 1,345 |
| Return on assets (ROA) | 1.3992% | 1,351 |
| Pretax return on assets | 1.4555% | 1,819 |
| Return on Equity (ROE) | 11.1726% | 1,897 |
| Retained earnings to average equity (ytd only) | 11.1726% | 851 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2058% | 2,456 |
| Assets per employee ($millions) | 3.0717% | 5,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9498% | 4,219 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 69.9978% | 2,489 |
| Net loans and leases to deposits | 79.8586% | 2,823 |
| Net loans and leases to core deposits | 107.9503% | 1,127 |
| Total domestic deposits to total assets | 87.6521% | 1,818 |
| Equity capital to assets | 12.0625% | 1,736 |
| Core capital (leverage) ratio | 12.1764% | 1,543 |
| Tier 1 risk-based capital ratio | 15.0590% | 2,842 |
| Total risk-based capital ratio | 15.9112% | 2,956 |
| Memoranda: | ||
| Average total assets | $99,484,500 | 4,228 |
| Average earning assets | $94,281,500 | 4,185 |
| Average equity | $12,459,000 | 4,055 |
| Average total loans | $73,458,000 | 3,894 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8881% | 819 |
| Cost of funding earning assets | 0.1178% | 5,426 |
| Net interest margin | 4.7703% | 372 |
| Noninterest income to average assets | 0.3432% | 4,008 |
| Noninterest expense to average assets | 3.5975% | 901 |
| Loan and lease loss provision to assets | 0.2995% | 574 |
| Net operating income to assets | 0.9270% | 2,562 |
| Return on assets (ROA) | 0.9270% | 2,588 |
| Pretax return on assets | 0.9707% | 3,670 |
| Return on Equity (ROE) | 7.3356% | 3,104 |
| Retained earnings to average equity (ytd only) | 3.3183% | 3,307 |
| Net charge-offs to loans | 0.0044% | 3,932 |
| Credit loss provision to net charge-offs | 9,833.3333% | 33 |
| Earnings coverage of net charge-offs (x) | 417.0000% | 206 |
| Efficiency ratio | 73.9049% | 1,908 |
| Assets per employee ($millions) | 2.7803% | 5,339 |
| Cash dividends to net income (ytd only)* | 54.7645% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9588% | 4,167 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 76.5990% | 1,495 |
| Net loans and leases to deposits | 88.4676% | 1,966 |
| Net loans and leases to core deposits | 112.8235% | 851 |
| Total domestic deposits to total assets | 86.5842% | 2,197 |
| Equity capital to assets | 13.0329% | 1,251 |
| Core capital (leverage) ratio | 12.1942% | 1,499 |
| Tier 1 risk-based capital ratio | 14.7957% | 2,933 |
| Total risk-based capital ratio | 15.6570% | 3,047 |
| Memoranda: | ||
| Average total assets | $98,485,800 | 4,266 |
| Average earning assets | $93,411,200 | 4,213 |
| Average equity | $12,446,200 | 4,063 |
| Average total loans | $67,513,600 | 4,019 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6960% | 1,144 |
| Cost of funding earning assets | 0.1085% | 5,525 |
| Net interest margin | 4.5875% | 499 |
| Noninterest income to average assets | 0.3257% | 4,207 |
| Noninterest expense to average assets | 3.3897% | 1,174 |
| Loan and lease loss provision to assets | 0.0670% | 2,727 |
| Net operating income to assets | 1.1782% | 1,781 |
| Return on assets (ROA) | 1.1782% | 1,825 |
| Pretax return on assets | 1.2345% | 2,769 |
| Return on Equity (ROE) | 9.3925% | 2,405 |
| Retained earnings to average equity (ytd only) | 9.3925% | 736 |
| Net charge-offs to loans | 0.0020% | 3,699 |
| Credit loss provision to net charge-offs | 5,000.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 973.4060% | 103 |
| Efficiency ratio | 72.2571% | 2,168 |
| Assets per employee ($millions) | 2.9217% | 5,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6388% | 5,255 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 71.7100% | 2,298 |
| Net loans and leases to deposits | 82.9000% | 2,671 |
| Net loans and leases to core deposits | 108.3141% | 1,124 |
| Total domestic deposits to total assets | 86.5018% | 2,104 |
| Equity capital to assets | 13.0472% | 1,360 |
| Core capital (leverage) ratio | 12.2048% | 1,569 |
| Tier 1 risk-based capital ratio | 15.7386% | 2,611 |
| Total risk-based capital ratio | 16.3149% | 2,821 |
| Memoranda: | ||
| Average total assets | $99,474,750 | 4,290 |
| Average earning assets | $94,660,000 | 4,225 |
| Average equity | $12,477,750 | 4,101 |
| Average total loans | $66,114,500 | 4,079 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5376% | 1,418 |
| Cost of funding earning assets | 0.1013% | 5,592 |
| Net interest margin | 4.4363% | 652 |
| Noninterest income to average assets | 0.3276% | 4,202 |
| Noninterest expense to average assets | 3.4405% | 1,096 |
| Loan and lease loss provision to assets | 0.0402% | 3,205 |
| Net operating income to assets | 1.0229% | 2,317 |
| Return on assets (ROA) | 1.0229% | 2,366 |
| Pretax return on assets | 1.0732% | 3,290 |
| Return on Equity (ROE) | 8.2652% | 2,883 |
| Retained earnings to average equity (ytd only) | 8.2652% | 1,064 |
| Net charge-offs to loans | 0.0031% | 3,386 |
| Credit loss provision to net charge-offs | 2,000.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 554.0000% | 151 |
| Efficiency ratio | 75.5516% | 1,794 |
| Assets per employee ($millions) | 2.8884% | 5,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6348% | 5,328 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 66.2700% | 3,065 |
| Net loans and leases to deposits | 76.1117% | 3,330 |
| Net loans and leases to core deposits | 102.4216% | 1,473 |
| Total domestic deposits to total assets | 87.0695% | 1,913 |
| Equity capital to assets | 12.5171% | 1,608 |
| Core capital (leverage) ratio | 12.0157% | 1,626 |
| Tier 1 risk-based capital ratio | 16.0497% | 2,483 |
| Total risk-based capital ratio | 16.6158% | 2,709 |
| Memoranda: | ||
| Average total assets | $99,520,000 | 4,318 |
| Average earning assets | $94,807,670 | 4,253 |
| Average equity | $12,316,670 | 4,139 |
| Average total loans | $64,254,670 | 4,145 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4096% | 1,620 |
| Cost of funding earning assets | 0.0978% | 5,656 |
| Net interest margin | 4.3118% | 762 |
| Noninterest income to average assets | 0.3687% | 3,897 |
| Noninterest expense to average assets | 3.9379% | 581 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5348% | 4,445 |
| Return on assets (ROA) | 0.5348% | 4,486 |
| Pretax return on assets | 0.5388% | 4,871 |
| Return on Equity (ROE) | 4.3464% | 4,647 |
| Retained earnings to average equity (ytd only) | 4.3464% | 3,250 |
| Net charge-offs to loans | 0.0064% | 2,753 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 133.0000% | 412 |
| Efficiency ratio | 87.9638% | 658 |
| Assets per employee ($millions) | 2.9148% | 5,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6504% | 5,402 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 61.0928% | 3,647 |
| Net loans and leases to deposits | 69.7233% | 3,829 |
| Net loans and leases to core deposits | 91.0585% | 2,258 |
| Total domestic deposits to total assets | 87.6217% | 1,928 |
| Equity capital to assets | 11.9911% | 1,853 |
| Core capital (leverage) ratio | 11.5717% | 1,899 |
| Tier 1 risk-based capital ratio | 16.3313% | 2,420 |
| Total risk-based capital ratio | 16.8979% | 2,633 |
| Memoranda: | ||
| Average total assets | $98,733,000 | 4,375 |
| Average earning assets | $94,068,500 | 4,308 |
| Average equity | $12,148,000 | 4,192 |
| Average total loans | $62,670,500 | 4,219 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4584% | 1,658 |
| Cost of funding earning assets | 0.1032% | 5,689 |
| Net interest margin | 4.3552% | 841 |
| Noninterest income to average assets | 0.3351% | 4,340 |
| Noninterest expense to average assets | 3.6126% | 998 |
| Loan and lease loss provision to assets | 0.0805% | 2,751 |
| Net operating income to assets | 0.7346% | 3,623 |
| Return on assets (ROA) | 0.7346% | 3,733 |
| Pretax return on assets | 0.7657% | 4,283 |
| Return on Equity (ROE) | 5.6732% | 4,128 |
| Retained earnings to average equity (ytd only) | 5.6732% | 1,903 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0212% | 1,302 |
| Assets per employee ($millions) | 2.7271% | 5,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6533% | 5,443 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 65.1646% | 3,200 |
| Net loans and leases to deposits | 75.0452% | 3,407 |
| Net loans and leases to core deposits | 93.5183% | 2,156 |
| Total domestic deposits to total assets | 86.8338% | 2,229 |
| Equity capital to assets | 12.6382% | 1,436 |
| Core capital (leverage) ratio | 12.1690% | 1,498 |
| Tier 1 risk-based capital ratio | 16.4828% | 2,359 |
| Total risk-based capital ratio | 17.0627% | 2,549 |
| Memoranda: | ||
| Average total assets | $93,117,800 | 4,488 |
| Average earning assets | $88,171,400 | 4,434 |
| Average equity | $12,056,600 | 4,243 |
| Average total loans | $61,099,800 | 4,259 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4249% | 1,778 |
| Cost of funding earning assets | 0.1095% | 5,722 |
| Net interest margin | 4.3154% | 902 |
| Noninterest income to average assets | 0.3343% | 4,394 |
| Noninterest expense to average assets | 3.4365% | 1,273 |
| Loan and lease loss provision to assets | 0.1081% | 2,122 |
| Net operating income to assets | 0.8330% | 3,224 |
| Return on assets (ROA) | 0.8357% | 3,334 |
| Pretax return on assets | 0.8804% | 4,048 |
| Return on Equity (ROE) | 6.4148% | 3,873 |
| Retained earnings to average equity (ytd only) | 6.4148% | 1,957 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7126% | 1,727 |
| Assets per employee ($millions) | 2.6171% | 5,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6445% | 5,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 68.8319% | 2,675 |
| Net loans and leases to deposits | 80.1174% | 2,948 |
| Net loans and leases to core deposits | 99.9699% | 1,639 |
| Total domestic deposits to total assets | 85.9138% | 2,400 |
| Equity capital to assets | 13.4432% | 1,273 |
| Core capital (leverage) ratio | 12.3961% | 1,444 |
| Tier 1 risk-based capital ratio | 16.3183% | 2,488 |
| Total risk-based capital ratio | 16.8975% | 2,699 |
| Memoranda: | ||
| Average total assets | $92,535,000 | 4,535 |
| Average earning assets | $87,652,750 | 4,478 |
| Average equity | $12,055,000 | 4,283 |
| Average total loans | $60,722,750 | 4,302 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2918% | 2,181 |
| Cost of funding earning assets | 0.1161% | 5,774 |
| Net interest margin | 4.1758% | 1,168 |
| Noninterest income to average assets | 0.3339% | 4,397 |
| Noninterest expense to average assets | 3.3259% | 1,540 |
| Loan and lease loss provision to assets | 0.1616% | 1,403 |
| Net operating income to assets | 0.7539% | 3,530 |
| Return on assets (ROA) | 0.7539% | 3,684 |
| Pretax return on assets | 0.7992% | 4,279 |
| Return on Equity (ROE) | 5.8486% | 4,119 |
| Retained earnings to average equity (ytd only) | 5.8486% | 2,213 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5879% | 1,852 |
| Assets per employee ($millions) | 2.6404% | 5,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6733% | 5,568 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 65.2917% | 3,184 |
| Net loans and leases to deposits | 75.7349% | 3,411 |
| Net loans and leases to core deposits | 97.3853% | 1,856 |
| Total domestic deposits to total assets | 86.2108% | 2,324 |
| Equity capital to assets | 13.1746% | 1,406 |
| Core capital (leverage) ratio | 12.0700% | 1,582 |
| Tier 1 risk-based capital ratio | 16.6132% | 2,388 |
| Total risk-based capital ratio | 17.2149% | 2,596 |
| Memoranda: | ||
| Average total assets | $92,846,670 | 4,566 |
| Average earning assets | $87,888,330 | 4,506 |
| Average equity | $11,968,670 | 4,324 |
| Average total loans | $59,810,670 | 4,361 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2074% | 2,444 |
| Cost of funding earning assets | 0.1269% | 5,772 |
| Net interest margin | 4.0805% | 1,393 |
| Noninterest income to average assets | 0.3481% | 4,242 |
| Noninterest expense to average assets | 3.3311% | 1,526 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8510% | 2,989 |
| Return on assets (ROA) | 0.8510% | 3,118 |
| Pretax return on assets | 0.8854% | 3,905 |
| Return on Equity (ROE) | 6.6748% | 3,625 |
| Retained earnings to average equity (ytd only) | 6.6748% | 2,044 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0010% | 1,746 |
| Assets per employee ($millions) | 2.8652% | 5,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7143% | 5,567 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 60.1288% | 3,754 |
| Net loans and leases to deposits | 69.3422% | 3,916 |
| Net loans and leases to core deposits | 88.8245% | 2,477 |
| Total domestic deposits to total assets | 86.7131% | 2,352 |
| Equity capital to assets | 12.6333% | 1,596 |
| Core capital (leverage) ratio | 11.6708% | 1,848 |
| Tier 1 risk-based capital ratio | 16.9065% | 2,320 |
| Total risk-based capital ratio | 17.5313% | 2,518 |
| Memoranda: | ||
| Average total assets | $93,063,500 | 4,597 |
| Average earning assets | $88,225,500 | 4,542 |
| Average equity | $11,865,500 | 4,349 |
| Average total loans | $59,342,500 | 4,394 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4274% | 1,809 |
| Cost of funding earning assets | 0.0799% | 6,035 |
| Net interest margin | 4.3475% | 878 |
| Noninterest income to average assets | 0.3574% | 4,347 |
| Noninterest expense to average assets | 3.8278% | 836 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6220% | 4,176 |
| Return on assets (ROA) | 0.6220% | 4,267 |
| Pretax return on assets | 0.6486% | 4,679 |
| Return on Equity (ROE) | 4.8061% | 4,600 |
| Retained earnings to average equity (ytd only) | 0.6842% | 5,240 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5100% | 1,040 |
| Assets per employee ($millions) | 2.6934% | 5,773 |
| Cash dividends to net income (ytd only)* | 85.7633% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5438% | 5,881 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 66.7093% | 2,883 |
| Net loans and leases to deposits | 77.3014% | 3,128 |
| Net loans and leases to core deposits | 94.7337% | 1,970 |
| Total domestic deposits to total assets | 86.2976% | 2,494 |
| Equity capital to assets | 12.8703% | 1,420 |
| Core capital (leverage) ratio | 11.8650% | 1,712 |
| Tier 1 risk-based capital ratio | 15.8595% | 2,755 |
| Total risk-based capital ratio | 16.3435% | 3,069 |
| Memoranda: | ||
| Average total assets | $93,734,800 | 4,584 |
| Average earning assets | $88,809,600 | 4,527 |
| Average equity | $12,130,400 | 4,281 |
| Average total loans | $61,521,200 | 4,334 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3958% | 1,928 |
| Cost of funding earning assets | 0.0760% | 6,135 |
| Net interest margin | 4.3198% | 925 |
| Noninterest income to average assets | 0.3451% | 4,462 |
| Noninterest expense to average assets | 3.2443% | 1,837 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1512% | 1,823 |
| Return on assets (ROA) | 1.1512% | 1,894 |
| Pretax return on assets | 1.2007% | 2,818 |
| Return on Equity (ROE) | 8.8840% | 2,636 |
| Retained earnings to average equity (ytd only) | 8.8840% | 944 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9876% | 2,722 |
| Assets per employee ($millions) | 2.6546% | 5,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5507% | 5,962 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 64.9159% | 3,169 |
| Net loans and leases to deposits | 75.9622% | 3,308 |
| Net loans and leases to core deposits | 92.5345% | 2,214 |
| Total domestic deposits to total assets | 85.4581% | 2,802 |
| Equity capital to assets | 13.4882% | 1,233 |
| Core capital (leverage) ratio | 12.5420% | 1,386 |
| Tier 1 risk-based capital ratio | 17.0737% | 2,350 |
| Total risk-based capital ratio | 17.5622% | 2,615 |
| Memoranda: | ||
| Average total assets | $94,274,750 | 4,631 |
| Average earning assets | $89,477,000 | 4,570 |
| Average equity | $12,216,500 | 4,315 |
| Average total loans | $61,545,750 | 4,381 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3806% | 1,918 |
| Cost of funding earning assets | 0.0779% | 6,202 |
| Net interest margin | 4.3027% | 917 |
| Noninterest income to average assets | 0.3547% | 4,419 |
| Noninterest expense to average assets | 3.1120% | 2,214 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2689% | 1,401 |
| Return on assets (ROA) | 1.2689% | 1,464 |
| Pretax return on assets | 1.3238% | 2,269 |
| Return on Equity (ROE) | 9.9246% | 2,109 |
| Retained earnings to average equity (ytd only) | 9.9246% | 682 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1571% | 3,301 |
| Assets per employee ($millions) | 2.8550% | 5,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5601% | 6,031 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 62.9376% | 3,421 |
| Net loans and leases to deposits | 73.1932% | 3,594 |
| Net loans and leases to core deposits | 89.3025% | 2,418 |
| Total domestic deposits to total assets | 85.9883% | 2,698 |
| Equity capital to assets | 13.0310% | 1,388 |
| Core capital (leverage) ratio | 11.9902% | 1,669 |
| Tier 1 risk-based capital ratio | 17.0736% | 2,377 |
| Total risk-based capital ratio | 17.5712% | 2,658 |
| Memoranda: | ||
| Average total assets | $94,729,330 | 4,663 |
| Average earning assets | $89,850,000 | 4,599 |
| Average equity | $12,111,330 | 4,359 |
| Average total loans | $61,845,000 | 4,414 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3082% | 2,072 |
| Cost of funding earning assets | 0.0799% | 6,267 |
| Net interest margin | 4.2283% | 1,012 |
| Noninterest income to average assets | 0.3706% | 4,242 |
| Noninterest expense to average assets | 2.9604% | 2,705 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3602% | 1,114 |
| Return on assets (ROA) | 1.3602% | 1,179 |
| Pretax return on assets | 1.4191% | 1,817 |
| Return on Equity (ROE) | 10.7412% | 1,723 |
| Retained earnings to average equity (ytd only) | 10.7412% | 766 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5962% | 3,891 |
| Assets per employee ($millions) | 2.9212% | 5,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5616% | 6,103 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 61.3500% | 3,472 |
| Net loans and leases to deposits | 71.0517% | 3,635 |
| Net loans and leases to core deposits | 87.4571% | 2,378 |
| Total domestic deposits to total assets | 86.3456% | 2,739 |
| Equity capital to assets | 12.6700% | 1,585 |
| Core capital (leverage) ratio | 11.3926% | 2,090 |
| Tier 1 risk-based capital ratio | 16.5278% | 2,670 |
| Total risk-based capital ratio | 17.0213% | 2,967 |
| Memoranda: | ||
| Average total assets | $94,987,000 | 4,690 |
| Average earning assets | $90,060,000 | 4,636 |
| Average equity | $12,028,500 | 4,409 |
| Average total loans | $62,952,500 | 4,396 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4443% | 2,091 |
| Cost of funding earning assets | 0.1216% | 6,237 |
| Net interest margin | 4.3227% | 1,018 |
| Noninterest income to average assets | 0.3496% | 4,605 |
| Noninterest expense to average assets | 3.5604% | 1,374 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8428% | 3,158 |
| Return on assets (ROA) | 0.8428% | 3,250 |
| Pretax return on assets | 0.8809% | 3,960 |
| Return on Equity (ROE) | 6.5289% | 3,884 |
| Retained earnings to average equity (ytd only) | -1.6527% | 5,978 |
| Net charge-offs to loans | -0.0032% | 5,417 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1665% | 1,905 |
| Assets per employee ($millions) | 2.7521% | 5,981 |
| Cash dividends to net income (ytd only)* | 125.3133% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5028% | 6,253 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 70.6347% | 2,137 |
| Net loans and leases to deposits | 81.8504% | 2,494 |
| Net loans and leases to core deposits | 98.7185% | 1,490 |
| Total domestic deposits to total assets | 86.2973% | 2,675 |
| Equity capital to assets | 12.6564% | 1,565 |
| Core capital (leverage) ratio | 11.5417% | 1,951 |
| Tier 1 risk-based capital ratio | 14.7250% | 3,644 |
| Total risk-based capital ratio | 15.1778% | 4,078 |
| Memoranda: | ||
| Average total assets | $94,680,600 | 4,732 |
| Average earning assets | $89,619,800 | 4,663 |
| Average equity | $12,222,600 | 4,319 |
| Average total loans | $61,559,400 | 4,444 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3555% | 2,402 |
| Cost of funding earning assets | 0.1334% | 6,275 |
| Net interest margin | 4.2221% | 1,218 |
| Noninterest income to average assets | 0.3510% | 4,634 |
| Noninterest expense to average assets | 3.0988% | 2,471 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1977% | 1,684 |
| Return on assets (ROA) | 1.1977% | 1,759 |
| Pretax return on assets | 1.2525% | 2,564 |
| Return on Equity (ROE) | 9.2332% | 2,572 |
| Retained earnings to average equity (ytd only) | 9.2332% | 917 |
| Net charge-offs to loans | -0.0111% | 5,446 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2165% | 3,308 |
| Assets per employee ($millions) | 2.8352% | 5,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5345% | 6,297 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 67.0318% | 2,680 |
| Net loans and leases to deposits | 78.9618% | 2,844 |
| Net loans and leases to core deposits | 95.3450% | 1,729 |
| Total domestic deposits to total assets | 84.8915% | 3,381 |
| Equity capital to assets | 13.8196% | 1,068 |
| Core capital (leverage) ratio | 12.5597% | 1,374 |
| Tier 1 risk-based capital ratio | 17.0915% | 2,582 |
| Total risk-based capital ratio | 17.5748% | 2,842 |
| Memoranda: | ||
| Average total assets | $94,957,500 | 4,771 |
| Average earning assets | $89,969,000 | 4,703 |
| Average equity | $12,317,500 | 4,321 |
| Average total loans | $60,342,000 | 4,519 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2444% | 2,787 |
| Cost of funding earning assets | 0.1547% | 6,241 |
| Net interest margin | 4.0897% | 1,545 |
| Noninterest income to average assets | 0.3479% | 4,644 |
| Noninterest expense to average assets | 3.0412% | 2,682 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1339% | 1,806 |
| Return on assets (ROA) | 1.1339% | 1,895 |
| Pretax return on assets | 1.1863% | 2,726 |
| Return on Equity (ROE) | 8.9323% | 2,630 |
| Retained earnings to average equity (ytd only) | 8.9323% | 1,011 |
| Net charge-offs to loans | -0.0034% | 5,118 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9385% | 3,356 |
| Assets per employee ($millions) | 2.8772% | 5,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5447% | 6,366 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 64.0329% | 3,068 |
| Net loans and leases to deposits | 75.7645% | 3,087 |
| Net loans and leases to core deposits | 90.4342% | 2,087 |
| Total domestic deposits to total assets | 84.5157% | 3,714 |
| Equity capital to assets | 13.2409% | 1,250 |
| Core capital (leverage) ratio | 11.9913% | 1,659 |
| Tier 1 risk-based capital ratio | 16.8788% | 2,674 |
| Total risk-based capital ratio | 17.3632% | 2,975 |
| Memoranda: | ||
| Average total assets | $95,422,330 | 4,786 |
| Average earning assets | $90,520,000 | 4,717 |
| Average equity | $12,113,330 | 4,375 |
| Average total loans | $59,438,000 | 4,567 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1461% | 3,097 |
| Cost of funding earning assets | 0.1596% | 6,296 |
| Net interest margin | 3.9865% | 1,812 |
| Noninterest income to average assets | 0.3680% | 4,441 |
| Noninterest expense to average assets | 2.8978% | 3,226 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1750% | 1,550 |
| Return on assets (ROA) | 1.1750% | 1,618 |
| Pretax return on assets | 1.2294% | 2,353 |
| Return on Equity (ROE) | 9.4581% | 2,268 |
| Retained earnings to average equity (ytd only) | 9.4581% | 1,122 |
| Net charge-offs to loans | -0.0068% | 4,909 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2128% | 3,800 |
| Assets per employee ($millions) | 2.9887% | 5,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6030% | 6,405 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 55.6547% | 4,187 |
| Net loans and leases to deposits | 65.0633% | 4,200 |
| Net loans and leases to core deposits | 78.1063% | 3,193 |
| Total domestic deposits to total assets | 85.5393% | 3,591 |
| Equity capital to assets | 12.2899% | 1,692 |
| Core capital (leverage) ratio | 11.4607% | 1,995 |
| Tier 1 risk-based capital ratio | 17.9221% | 2,330 |
| Total risk-based capital ratio | 18.4482% | 2,557 |
| Memoranda: | ||
| Average total assets | $95,659,500 | 4,825 |
| Average earning assets | $90,205,500 | 4,773 |
| Average equity | $11,884,000 | 4,432 |
| Average total loans | $58,591,500 | 4,633 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1557% | 3,517 |
| Cost of funding earning assets | 0.2054% | 6,258 |
| Net interest margin | 3.9503% | 2,103 |
| Noninterest income to average assets | 0.3153% | 5,088 |
| Noninterest expense to average assets | 3.2793% | 2,195 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7295% | 3,660 |
| Return on assets (ROA) | 0.7295% | 3,745 |
| Pretax return on assets | 0.7438% | 4,361 |
| Return on Equity (ROE) | 5.8853% | 4,154 |
| Retained earnings to average equity (ytd only) | 1.7697% | 4,972 |
| Net charge-offs to loans | 0.0294% | 4,838 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 45.5625% | 856 |
| Efficiency ratio | 81.5115% | 1,947 |
| Assets per employee ($millions) | 2.8089% | 6,095 |
| Cash dividends to net income (ytd only)* | 69.9301% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5358% | 6,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 66.4861% | 2,616 |
| Net loans and leases to deposits | 78.1090% | 2,710 |
| Net loans and leases to core deposits | 90.7709% | 1,930 |
| Total domestic deposits to total assets | 85.1197% | 3,682 |
| Equity capital to assets | 12.5651% | 1,482 |
| Core capital (leverage) ratio | 11.5341% | 1,939 |
| Tier 1 risk-based capital ratio | 15.8587% | 3,170 |
| Total risk-based capital ratio | 16.3346% | 3,560 |
| Memoranda: | ||
| Average total assets | $98,010,000 | 4,794 |
| Average earning assets | $91,993,200 | 4,720 |
| Average equity | $12,149,000 | 4,416 |
| Average total loans | $54,399,600 | 4,802 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9766% | 4,220 |
| Cost of funding earning assets | 0.2155% | 6,313 |
| Net interest margin | 3.7611% | 2,798 |
| Noninterest income to average assets | 0.2993% | 5,304 |
| Noninterest expense to average assets | 2.8615% | 3,437 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9529% | 2,577 |
| Return on assets (ROA) | 0.9529% | 2,680 |
| Pretax return on assets | 0.9744% | 3,603 |
| Return on Equity (ROE) | 7.7122% | 3,280 |
| Retained earnings to average equity (ytd only) | 7.7122% | 1,544 |
| Net charge-offs to loans | 0.0127% | 4,887 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 145.1244% | 381 |
| Efficiency ratio | 74.5976% | 2,967 |
| Assets per employee ($millions) | 2.7928% | 6,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5887% | 6,578 |
| Loan loss allowance to noncurrent loans | 3,811.1111% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 6,475 |
| Noncurrent loans to loans | 0.0154% | 6,315 |
| Net loans and leases to total assets | 59.2579% | 3,814 |
| Net loans and leases to deposits | 69.5692% | 3,845 |
| Net loans and leases to core deposits | 80.5765% | 3,063 |
| Total domestic deposits to total assets | 85.1784% | 3,645 |
| Equity capital to assets | 12.4983% | 1,579 |
| Core capital (leverage) ratio | 11.7484% | 1,852 |
| Tier 1 risk-based capital ratio | 17.5018% | 2,509 |
| Total risk-based capital ratio | 18.0212% | 2,771 |
| Memoranda: | ||
| Average total assets | $99,339,250 | 4,797 |
| Average earning assets | $93,410,750 | 4,742 |
| Average equity | $12,274,500 | 4,440 |
| Average total loans | $52,509,500 | 4,904 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8923% | 4,509 |
| Cost of funding earning assets | 0.2390% | 6,250 |
| Net interest margin | 3.6533% | 3,165 |
| Noninterest income to average assets | 0.2804% | 5,444 |
| Noninterest expense to average assets | 2.8517% | 3,506 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8511% | 3,037 |
| Return on assets (ROA) | 0.8511% | 3,187 |
| Pretax return on assets | 0.8571% | 4,086 |
| Return on Equity (ROE) | 6.9141% | 3,654 |
| Retained earnings to average equity (ytd only) | 6.9141% | 1,921 |
| Net charge-offs to loans | 0.0119% | 4,633 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 142.6667% | 346 |
| Efficiency ratio | 76.8898% | 2,647 |
| Assets per employee ($millions) | 2.9482% | 5,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6713% | 6,535 |
| Loan loss allowance to noncurrent loans | 3,833.3333% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 6,530 |
| Noncurrent loans to loans | 0.0175% | 6,368 |
| Net loans and leases to total assets | 50.9223% | 5,008 |
| Net loans and leases to deposits | 60.1395% | 4,966 |
| Net loans and leases to core deposits | 70.3871% | 4,226 |
| Total domestic deposits to total assets | 84.6736% | 4,052 |
| Equity capital to assets | 12.0861% | 1,855 |
| Core capital (leverage) ratio | 11.0403% | 2,317 |
| Tier 1 risk-based capital ratio | 19.0600% | 1,981 |
| Total risk-based capital ratio | 19.6433% | 2,141 |
| Memoranda: | ||
| Average total assets | $99,869,330 | 4,822 |
| Average earning assets | $93,723,670 | 4,763 |
| Average equity | $12,293,670 | 4,467 |
| Average total loans | $50,590,330 | 5,000 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8217% | 4,750 |
| Cost of funding earning assets | 0.2493% | 6,294 |
| Net interest margin | 3.5724% | 3,375 |
| Noninterest income to average assets | 0.2849% | 5,426 |
| Noninterest expense to average assets | 2.8129% | 3,650 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7744% | 3,310 |
| Return on assets (ROA) | 0.7744% | 3,447 |
| Pretax return on assets | 0.8065% | 4,147 |
| Return on Equity (ROE) | 6.2344% | 3,921 |
| Retained earnings to average equity (ytd only) | 6.2344% | 2,547 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7162% | 2,656 |
| Assets per employee ($millions) | 2.9454% | 6,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7272% | 6,552 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 46.2140% | 5,413 |
| Net loans and leases to deposits | 54.5203% | 5,394 |
| Net loans and leases to core deposits | 62.4584% | 4,910 |
| Total domestic deposits to total assets | 84.7648% | 4,150 |
| Equity capital to assets | 12.0283% | 2,019 |
| Core capital (leverage) ratio | 10.6078% | 2,646 |
| Tier 1 risk-based capital ratio | 18.2883% | 2,265 |
| Total risk-based capital ratio | 18.8664% | 2,479 |
| Memoranda: | ||
| Average total assets | $99,684,500 | 4,875 |
| Average earning assets | $93,047,000 | 4,823 |
| Average equity | $12,383,000 | 4,497 |
| Average total loans | $50,191,000 | 5,051 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2035% | 4,585 |
| Cost of funding earning assets | 0.3146% | 6,384 |
| Net interest margin | 3.8889% | 2,880 |
| Noninterest income to average assets | 0.3376% | 5,042 |
| Noninterest expense to average assets | 3.3044% | 2,319 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6409% | 4,033 |
| Return on assets (ROA) | 0.6409% | 4,290 |
| Pretax return on assets | 0.6692% | 4,764 |
| Return on Equity (ROE) | 5.0409% | 4,660 |
| Retained earnings to average equity (ytd only) | 1.0654% | 5,340 |
| Net charge-offs to loans | -0.0167% | 6,527 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1595% | 1,724 |
| Assets per employee ($millions) | 2.7508% | 6,369 |
| Cash dividends to net income (ytd only)* | 78.8644% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6642% | 6,679 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 54.0544% | 4,611 |
| Net loans and leases to deposits | 64.6120% | 4,465 |
| Net loans and leases to core deposits | 74.1427% | 3,764 |
| Total domestic deposits to total assets | 83.6600% | 4,468 |
| Equity capital to assets | 12.8439% | 1,522 |
| Core capital (leverage) ratio | 11.0610% | 2,205 |
| Tier 1 risk-based capital ratio | 17.3860% | 2,491 |
| Total risk-based capital ratio | 17.9437% | 2,770 |
| Memoranda: | ||
| Average total assets | $98,927,400 | 4,863 |
| Average earning assets | $92,495,200 | 4,797 |
| Average equity | $12,577,000 | 4,446 |
| Average total loans | $48,026,200 | 5,179 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1438% | 5,025 |
| Cost of funding earning assets | 0.3263% | 6,483 |
| Net interest margin | 3.8175% | 3,256 |
| Noninterest income to average assets | 0.3133% | 5,277 |
| Noninterest expense to average assets | 3.0203% | 3,164 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8408% | 3,258 |
| Return on assets (ROA) | 0.8408% | 3,505 |
| Pretax return on assets | 0.8796% | 4,193 |
| Return on Equity (ROE) | 6.6297% | 3,999 |
| Retained earnings to average equity (ytd only) | 6.6297% | 2,312 |
| Net charge-offs to loans | -0.0085% | 6,340 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4459% | 2,462 |
| Assets per employee ($millions) | 2.9245% | 6,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7013% | 6,748 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 50.3259% | 5,275 |
| Net loans and leases to deposits | 60.7305% | 5,119 |
| Net loans and leases to core deposits | 70.6105% | 4,420 |
| Total domestic deposits to total assets | 82.8676% | 4,688 |
| Equity capital to assets | 13.3970% | 1,391 |
| Core capital (leverage) ratio | 11.5249% | 1,969 |
| Tier 1 risk-based capital ratio | 18.9056% | 2,037 |
| Total risk-based capital ratio | 19.4773% | 2,235 |
| Memoranda: | ||
| Average total assets | $99,589,500 | 4,892 |
| Average earning assets | $93,566,500 | 4,810 |
| Average equity | $12,629,750 | 4,473 |
| Average total loans | $46,935,000 | 5,271 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0813% | 5,387 |
| Cost of funding earning assets | 0.3524% | 6,502 |
| Net interest margin | 3.7289% | 3,689 |
| Noninterest income to average assets | 0.3001% | 5,406 |
| Noninterest expense to average assets | 2.9776% | 3,345 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7991% | 3,398 |
| Return on assets (ROA) | 0.7991% | 3,651 |
| Pretax return on assets | 0.8348% | 4,333 |
| Return on Equity (ROE) | 6.4166% | 4,086 |
| Retained earnings to average equity (ytd only) | 6.4166% | 2,431 |
| Net charge-offs to loans | -0.0130% | 6,334 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1022% | 2,450 |
| Assets per employee ($millions) | 2.7584% | 6,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7492% | 6,759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 45.7585% | 5,844 |
| Net loans and leases to deposits | 55.3620% | 5,725 |
| Net loans and leases to core deposits | 64.5968% | 5,144 |
| Total domestic deposits to total assets | 82.6533% | 4,888 |
| Equity capital to assets | 12.7659% | 1,645 |
| Core capital (leverage) ratio | 11.2138% | 2,114 |
| Tier 1 risk-based capital ratio | 19.1048% | 1,936 |
| Total risk-based capital ratio | 19.6944% | 2,107 |
| Memoranda: | ||
| Average total assets | $100,617,000 | 4,887 |
| Average earning assets | $94,773,670 | 4,796 |
| Average equity | $12,530,000 | 4,493 |
| Average total loans | $46,276,330 | 5,332 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2411% | 4,959 |
| Cost of funding earning assets | 0.3604% | 6,601 |
| Net interest margin | 3.8807% | 3,003 |
| Noninterest income to average assets | 0.2686% | 5,729 |
| Noninterest expense to average assets | 2.7608% | 4,202 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1178% | 2,000 |
| Return on assets (ROA) | 1.1178% | 2,185 |
| Pretax return on assets | 1.1652% | 3,046 |
| Return on Equity (ROE) | 9.0876% | 2,786 |
| Retained earnings to average equity (ytd only) | 9.0876% | 1,556 |
| Net charge-offs to loans | -0.0258% | 6,278 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3219% | 3,755 |
| Assets per employee ($millions) | 3.0727% | 6,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7981% | 6,747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 6,622 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 42.0448% | 6,189 |
| Net loans and leases to deposits | 50.6396% | 6,092 |
| Net loans and leases to core deposits | 58.8854% | 5,638 |
| Total domestic deposits to total assets | 83.0274% | 4,916 |
| Equity capital to assets | 12.3394% | 1,822 |
| Core capital (leverage) ratio | 10.5411% | 2,701 |
| Tier 1 risk-based capital ratio | 19.5065% | 1,836 |
| Total risk-based capital ratio | 20.1149% | 1,991 |
| Memoranda: | ||
| Average total assets | $101,273,500 | 4,907 |
| Average earning assets | $95,447,500 | 4,807 |
| Average equity | $12,456,500 | 4,516 |
| Average total loans | $46,523,000 | 5,357 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5099% | 5,032 |
| Cost of funding earning assets | 0.5856% | 6,158 |
| Net interest margin | 3.9243% | 3,228 |
| Noninterest income to average assets | 0.2813% | 5,517 |
| Noninterest expense to average assets | 3.1332% | 3,089 |
| Loan and lease loss provision to assets | -0.0984% | 7,276 |
| Net operating income to assets | 0.8791% | 2,696 |
| Return on assets (ROA) | 0.9040% | 2,713 |
| Pretax return on assets | 0.9581% | 3,400 |
| Return on Equity (ROE) | 7.5228% | 3,137 |
| Retained earnings to average equity (ytd only) | -1.1624% | 6,038 |
| Net charge-offs to loans | -0.1455% | 7,181 |
| Credit loss provision to net charge-offs | 140.8451% | 2,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9931% | 2,448 |
| Assets per employee ($millions) | 3.0651% | 5,965 |
| Cash dividends to net income (ytd only)* | 115.4516% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6790% | 6,934 |
| Loan loss allowance to noncurrent loans | 285.7143% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 6,412 |
| Noncurrent loans to loans | 0.2377% | 6,260 |
| Net loans and leases to total assets | 49.1656% | 5,700 |
| Net loans and leases to deposits | 59.3210% | 5,566 |
| Net loans and leases to core deposits | 74.9759% | 4,105 |
| Total domestic deposits to total assets | 82.8805% | 4,795 |
| Equity capital to assets | 12.2603% | 1,936 |
| Core capital (leverage) ratio | 10.8404% | 2,401 |
| Tier 1 risk-based capital ratio | 17.3506% | 2,439 |
| Total risk-based capital ratio | 17.9012% | 2,714 |
| Memoranda: | ||
| Average total assets | $101,654,600 | 4,849 |
| Average earning assets | $95,457,000 | 4,772 |
| Average equity | $12,216,200 | 4,497 |
| Average total loans | $48,804,600 | 5,311 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4529% | 5,419 |
| Cost of funding earning assets | 0.6443% | 6,061 |
| Net interest margin | 3.8086% | 3,829 |
| Noninterest income to average assets | 0.3236% | 5,281 |
| Noninterest expense to average assets | 2.8387% | 4,196 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9938% | 2,351 |
| Return on assets (ROA) | 1.0270% | 2,391 |
| Pretax return on assets | 1.0978% | 3,026 |
| Return on Equity (ROE) | 8.5892% | 2,783 |
| Retained earnings to average equity (ytd only) | 7.9210% | 1,535 |
| Net charge-offs to loans | -0.1897% | 7,256 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7670% | 3,409 |
| Assets per employee ($millions) | 2.9499% | 6,233 |
| Cash dividends to net income (ytd only)* | 7.7805% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 6,680 |
| Loan loss allowance to noncurrent loans | 893.8776% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 6,591 |
| Noncurrent loans to loans | 0.0973% | 6,686 |
| Net loans and leases to total assets | 49.7517% | 5,740 |
| Net loans and leases to deposits | 60.8826% | 5,530 |
| Net loans and leases to core deposits | 78.4690% | 3,832 |
| Total domestic deposits to total assets | 81.7175% | 5,190 |
| Equity capital to assets | 13.2096% | 1,511 |
| Core capital (leverage) ratio | 11.2762% | 2,175 |
| Tier 1 risk-based capital ratio | 18.8922% | 1,967 |
| Total risk-based capital ratio | 19.6068% | 2,098 |
| Memoranda: | ||
| Average total assets | $101,781,250 | 4,877 |
| Average earning assets | $95,606,750 | 4,794 |
| Average equity | $12,170,000 | 4,519 |
| Average total loans | $48,488,250 | 5,368 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3552% | 5,838 |
| Cost of funding earning assets | 0.7009% | 5,953 |
| Net interest margin | 3.6543% | 4,498 |
| Noninterest income to average assets | 0.3363% | 5,199 |
| Noninterest expense to average assets | 2.7123% | 4,769 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0151% | 2,165 |
| Return on assets (ROA) | 1.0657% | 2,073 |
| Pretax return on assets | 1.1127% | 2,801 |
| Return on Equity (ROE) | 9.2292% | 2,424 |
| Retained earnings to average equity (ytd only) | 9.2292% | 1,043 |
| Net charge-offs to loans | 0.0084% | 5,738 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 271.0000% | 127 |
| Efficiency ratio | 71.9025% | 3,752 |
| Assets per employee ($millions) | 2.9578% | 6,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7459% | 6,959 |
| Loan loss allowance to noncurrent loans | 748.9796% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 6,652 |
| Noncurrent loans to loans | 0.0996% | 6,725 |
| Net loans and leases to total assets | 47.1716% | 6,135 |
| Net loans and leases to deposits | 58.1498% | 5,921 |
| Net loans and leases to core deposits | 76.8479% | 4,205 |
| Total domestic deposits to total assets | 81.1209% | 5,486 |
| Equity capital to assets | 12.0921% | 2,035 |
| Core capital (leverage) ratio | 10.8175% | 2,405 |
| Tier 1 risk-based capital ratio | 18.6700% | 1,940 |
| Total risk-based capital ratio | 19.2710% | 2,124 |
| Memoranda: | ||
| Average total assets | $102,275,670 | 4,894 |
| Average earning assets | $96,162,000 | 4,810 |
| Average equity | $11,810,330 | 4,606 |
| Average total loans | $47,871,670 | 5,442 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3278% | 5,924 |
| Cost of funding earning assets | 0.7499% | 5,860 |
| Net interest margin | 3.5779% | 4,667 |
| Noninterest income to average assets | 0.3305% | 5,257 |
| Noninterest expense to average assets | 2.6561% | 5,013 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9916% | 2,208 |
| Return on assets (ROA) | 0.9916% | 2,265 |
| Pretax return on assets | 1.0349% | 3,004 |
| Return on Equity (ROE) | 8.7985% | 2,558 |
| Retained earnings to average equity (ytd only) | 8.7985% | 1,452 |
| Net charge-offs to loans | -0.0254% | 6,650 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9616% | 3,877 |
| Assets per employee ($millions) | 3.1286% | 5,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8285% | 6,864 |
| Loan loss allowance to noncurrent loans | 759.1837% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.1739% | 6,725 |
| Noncurrent loans to loans | 0.1091% | 6,777 |
| Net loans and leases to total assets | 41.8625% | 6,630 |
| Net loans and leases to deposits | 50.8496% | 6,560 |
| Net loans and leases to core deposits | 67.5208% | 5,354 |
| Total domestic deposits to total assets | 82.3262% | 5,178 |
| Equity capital to assets | 11.1091% | 2,578 |
| Core capital (leverage) ratio | 10.5230% | 2,591 |
| Tier 1 risk-based capital ratio | 18.7602% | 1,879 |
| Total risk-based capital ratio | 19.3886% | 2,040 |
| Memoranda: | ||
| Average total assets | $101,652,500 | 4,952 |
| Average earning assets | $95,475,000 | 4,867 |
| Average equity | $11,456,500 | 4,683 |
| Average total loans | $47,207,500 | 5,511 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3350% | 2,957 |
| Cost of funding earning assets | 0.9878% | 5,751 |
| Net interest margin | 4.3473% | 1,655 |
| Noninterest income to average assets | -0.9297% | 7,620 |
| Noninterest expense to average assets | 3.8868% | 1,339 |
| Loan and lease loss provision to assets | -0.3247% | 7,636 |
| Net operating income to assets | -0.2825% | 6,198 |
| Return on assets (ROA) | -0.2825% | 6,243 |
| Pretax return on assets | -0.4903% | 6,312 |
| Return on Equity (ROE) | -2.2279% | 6,199 |
| Retained earnings to average equity (ytd only) | -2.2279% | 6,002 |
| Net charge-offs to loans | -0.2785% | 7,564 |
| Credit loss provision to net charge-offs | 222.2222% | 1,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.5328% | 349 |
| Assets per employee ($millions) | 2.7695% | 6,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7453% | 7,059 |
| Loan loss allowance to noncurrent loans | 753.0612% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.1909% | 6,749 |
| Noncurrent loans to loans | 0.0990% | 6,888 |
| Net loans and leases to total assets | 50.6989% | 6,082 |
| Net loans and leases to deposits | 62.3362% | 5,813 |
| Net loans and leases to core deposits | 85.7317% | 3,357 |
| Total domestic deposits to total assets | 81.3314% | 5,411 |
| Equity capital to assets | 11.4471% | 2,308 |
| Core capital (leverage) ratio | 11.3282% | 1,936 |
| Tier 1 risk-based capital ratio | 17.5980% | 2,135 |
| Total risk-based capital ratio | 18.1961% | 2,333 |
| Memoranda: | ||
| Average total assets | $92,390,800 | 5,212 |
| Average earning assets | $85,041,600 | 5,179 |
| Average equity | $11,715,000 | 4,689 |
| Average total loans | $48,471,800 | 5,541 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4821% | 2,508 |
| Cost of funding earning assets | 1.0365% | 5,766 |
| Net interest margin | 4.4456% | 1,387 |
| Noninterest income to average assets | -0.7042% | 7,705 |
| Noninterest expense to average assets | 3.9916% | 1,055 |
| Loan and lease loss provision to assets | -0.4383% | 7,744 |
| Net operating income to assets | 0.1023% | 5,773 |
| Return on assets (ROA) | 0.1023% | 5,918 |
| Pretax return on assets | -0.1841% | 6,308 |
| Return on Equity (ROE) | 0.7863% | 5,951 |
| Retained earnings to average equity (ytd only) | 0.7863% | 5,494 |
| Net charge-offs to loans | -0.3706% | 7,664 |
| Credit loss provision to net charge-offs | 223.8806% | 1,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.3920% | 429 |
| Assets per employee ($millions) | 2.8490% | 6,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7806% | 7,043 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 6,983 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 51.3091% | 6,185 |
| Net loans and leases to deposits | 65.0978% | 5,776 |
| Net loans and leases to core deposits | 89.4502% | 3,174 |
| Total domestic deposits to total assets | 78.8185% | 6,060 |
| Equity capital to assets | 13.3763% | 1,402 |
| Core capital (leverage) ratio | 12.0074% | 1,669 |
| Tier 1 risk-based capital ratio | 18.4834% | 1,873 |
| Total risk-based capital ratio | 19.1150% | 2,021 |
| Memoranda: | ||
| Average total assets | $91,255,250 | 5,318 |
| Average earning assets | $83,616,250 | 5,286 |
| Average equity | $11,869,750 | 4,714 |
| Average total loans | $48,211,500 | 5,636 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4743% | 2,633 |
| Cost of funding earning assets | 1.1121% | 5,611 |
| Net interest margin | 4.3621% | 1,560 |
| Noninterest income to average assets | 0.4645% | 4,401 |
| Noninterest expense to average assets | 3.3346% | 2,443 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0539% | 2,004 |
| Return on assets (ROA) | 1.0539% | 2,074 |
| Pretax return on assets | 1.1086% | 2,759 |
| Return on Equity (ROE) | 8.1793% | 2,816 |
| Retained earnings to average equity (ytd only) | 8.1793% | 1,383 |
| Net charge-offs to loans | -0.0041% | 7,095 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4714% | 3,565 |
| Assets per employee ($millions) | 2.6849% | 6,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0935% | 5,976 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4819% | 4,242 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 54.6167% | 5,897 |
| Net loans and leases to deposits | 69.6649% | 5,330 |
| Net loans and leases to core deposits | 92.5861% | 2,904 |
| Total domestic deposits to total assets | 78.3992% | 6,178 |
| Equity capital to assets | 13.5289% | 1,334 |
| Core capital (leverage) ratio | 12.1766% | 1,558 |
| Tier 1 risk-based capital ratio | 18.4028% | 1,856 |
| Total risk-based capital ratio | 19.2847% | 1,918 |
| Memoranda: | ||
| Average total assets | $91,284,000 | 5,347 |
| Average earning assets | $83,262,330 | 5,324 |
| Average equity | $11,761,330 | 4,742 |
| Average total loans | $48,566,670 | 5,660 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3241% | 3,424 |
| Cost of funding earning assets | 1.1558% | 5,627 |
| Net interest margin | 4.1684% | 2,161 |
| Noninterest income to average assets | 0.3412% | 5,413 |
| Noninterest expense to average assets | 3.2389% | 2,736 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8464% | 2,764 |
| Return on assets (ROA) | 0.8464% | 2,858 |
| Pretax return on assets | 0.9026% | 3,462 |
| Return on Equity (ROE) | 6.7305% | 3,490 |
| Retained earnings to average equity (ytd only) | 6.7305% | 2,254 |
| Net charge-offs to loans | -0.0083% | 6,864 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5381% | 3,126 |
| Assets per employee ($millions) | 2.6192% | 7,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 5,889 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3925% | 4,420 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 49.8404% | 6,477 |
| Net loans and leases to deposits | 65.0666% | 5,935 |
| Net loans and leases to core deposits | 86.4355% | 3,832 |
| Total domestic deposits to total assets | 76.5990% | 6,641 |
| Equity capital to assets | 12.5367% | 1,738 |
| Core capital (leverage) ratio | 11.4458% | 1,945 |
| Tier 1 risk-based capital ratio | 17.8287% | 1,992 |
| Total risk-based capital ratio | 18.7066% | 2,062 |
| Memoranda: | ||
| Average total assets | $92,624,500 | 5,363 |
| Average earning assets | $84,445,500 | 5,348 |
| Average equity | $11,648,500 | 4,803 |
| Average total loans | $48,386,500 | 5,744 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1847% | 1,274 |
| Cost of funding earning assets | 1.4522% | 5,715 |
| Net interest margin | 4.7326% | 791 |
| Noninterest income to average assets | 0.4168% | 5,071 |
| Noninterest expense to average assets | 4.0540% | 1,297 |
| Loan and lease loss provision to assets | 0.2798% | 5,185 |
| Net operating income to assets | 0.4044% | 4,111 |
| Return on assets (ROA) | 0.4044% | 4,217 |
| Pretax return on assets | 0.4316% | 4,395 |
| Return on Equity (ROE) | 3.1390% | 4,445 |
| Retained earnings to average equity (ytd only) | 3.1390% | 2,960 |
| Net charge-offs to loans | 0.7343% | 2,986 |
| Credit loss provision to net charge-offs | 61.2903% | 6,626 |
| Earnings coverage of net charge-offs (x) | 1.5583% | 4,574 |
| Efficiency ratio | 85.0725% | 2,216 |
| Assets per employee ($millions) | 2.5266% | 7,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 5,974 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5271% | 4,089 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 53.5511% | 6,240 |
| Net loans and leases to deposits | 71.7850% | 5,358 |
| Net loans and leases to core deposits | 97.4667% | 4,287 |
| Total domestic deposits to total assets | 74.5993% | 6,932 |
| Equity capital to assets | 12.6168% | 1,686 |
| Core capital (leverage) ratio | 11.9632% | 1,679 |
| Tier 1 risk-based capital ratio | 17.4217% | 2,047 |
| Total risk-based capital ratio | 18.2951% | 2,101 |
| Memoranda: | ||
| Average total assets | $88,284,000 | 5,439 |
| Average earning assets | $81,119,000 | 5,421 |
| Average equity | $11,373,000 | 4,916 |
| Average total loans | $54,879,800 | 5,464 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2742% | 1,191 |
| Cost of funding earning assets | 1.5154% | 5,761 |
| Net interest margin | 4.7588% | 741 |
| Noninterest income to average assets | 0.4200% | 5,134 |
| Noninterest expense to average assets | 3.6614% | 1,908 |
| Loan and lease loss provision to assets | 0.3759% | 4,072 |
| Net operating income to assets | 0.7335% | 3,079 |
| Return on assets (ROA) | 0.7335% | 3,148 |
| Pretax return on assets | 0.7746% | 3,610 |
| Return on Equity (ROE) | 5.6635% | 3,663 |
| Retained earnings to average equity (ytd only) | 5.6635% | 2,121 |
| Net charge-offs to loans | 0.9996% | 1,973 |
| Credit loss provision to net charge-offs | 58.5308% | 6,196 |
| Earnings coverage of net charge-offs (x) | 1.7915% | 4,456 |
| Efficiency ratio | 76.0911% | 3,497 |
| Assets per employee ($millions) | 2.4753% | 7,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9477% | 6,557 |
| Loan loss allowance to noncurrent loans | 14.9016% | 7,335 |
| Noncurrent assets plus other real estate owned to assets | 4.0387% | 1,576 |
| Noncurrent loans to loans | 6.3597% | 918 |
| Net loans and leases to total assets | 60.4038% | 5,521 |
| Net loans and leases to deposits | 83.3119% | 3,770 |
| Net loans and leases to core deposits | 107.5228% | 3,533 |
| Total domestic deposits to total assets | 72.5031% | 7,147 |
| Equity capital to assets | 13.1643% | 1,635 |
| Core capital (leverage) ratio | 12.3648% | 1,633 |
| Tier 1 risk-based capital ratio | 16.6535% | 2,374 |
| Total risk-based capital ratio | 17.4494% | 2,493 |
| Memoranda: | ||
| Average total assets | $87,615,500 | 5,494 |
| Average earning assets | $80,858,000 | 5,464 |
| Average equity | $11,347,250 | 4,968 |
| Average total loans | $56,289,000 | 5,450 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1235% | 1,716 |
| Cost of funding earning assets | 1.5945% | 5,767 |
| Net interest margin | 4.5290% | 1,100 |
| Noninterest income to average assets | 0.3788% | 5,476 |
| Noninterest expense to average assets | 3.5217% | 2,277 |
| Loan and lease loss provision to assets | 0.5671% | 2,747 |
| Net operating income to assets | 0.4109% | 4,466 |
| Return on assets (ROA) | 0.4109% | 4,575 |
| Pretax return on assets | 0.4569% | 4,759 |
| Return on Equity (ROE) | 3.1909% | 4,825 |
| Retained earnings to average equity (ytd only) | 3.1909% | 3,538 |
| Net charge-offs to loans | 0.0105% | 6,418 |
| Credit loss provision to net charge-offs | 8,233.3333% | 58 |
| Earnings coverage of net charge-offs (x) | 148.6667% | 271 |
| Efficiency ratio | 77.4747% | 3,423 |
| Assets per employee ($millions) | 2.3116% | 7,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7212% | 2,271 |
| Loan loss allowance to noncurrent loans | 20.6272% | 7,088 |
| Noncurrent assets plus other real estate owned to assets | 5.6130% | 890 |
| Noncurrent loans to loans | 8.3442% | 508 |
| Net loans and leases to total assets | 64.0867% | 4,965 |
| Net loans and leases to deposits | 90.0329% | 2,828 |
| Net loans and leases to core deposits | 112.2947% | 3,101 |
| Total domestic deposits to total assets | 71.1814% | 7,343 |
| Equity capital to assets | 13.4648% | 1,506 |
| Core capital (leverage) ratio | 12.2237% | 1,736 |
| Tier 1 risk-based capital ratio | 16.6794% | 2,399 |
| Total risk-based capital ratio | 17.9327% | 2,345 |
| Memoranda: | ||
| Average total assets | $87,116,670 | 5,551 |
| Average earning assets | $80,150,000 | 5,523 |
| Average equity | $11,219,330 | 5,026 |
| Average total loans | $56,938,000 | 5,472 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2549% | 1,429 |
| Cost of funding earning assets | 1.6543% | 5,797 |
| Net interest margin | 4.6007% | 937 |
| Noninterest income to average assets | 0.3234% | 5,867 |
| Noninterest expense to average assets | 3.9970% | 1,191 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4985% | 4,426 |
| Return on assets (ROA) | 0.4985% | 4,616 |
| Pretax return on assets | 0.5479% | 4,924 |
| Return on Equity (ROE) | 3.9549% | 4,953 |
| Retained earnings to average equity (ytd only) | 3.9549% | 3,696 |
| Net charge-offs to loans | 0.0275% | 5,145 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 30.5000% | 1,038 |
| Efficiency ratio | 87.9447% | 1,904 |
| Assets per employee ($millions) | 2.4576% | 7,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7358% | 2,021 |
| Loan loss allowance to noncurrent loans | 29.7795% | 6,565 |
| Noncurrent assets plus other real estate owned to assets | 3.9040% | 1,339 |
| Noncurrent loans to loans | 5.8288% | 841 |
| Net loans and leases to total assets | 63.0904% | 5,146 |
| Net loans and leases to deposits | 89.1832% | 3,075 |
| Net loans and leases to core deposits | 109.7030% | 3,473 |
| Total domestic deposits to total assets | 70.7425% | 7,357 |
| Equity capital to assets | 12.4049% | 2,026 |
| Core capital (leverage) ratio | 11.4156% | 2,197 |
| Tier 1 risk-based capital ratio | 14.4415% | 3,339 |
| Total risk-based capital ratio | 15.6933% | 3,264 |
| Memoranda: | ||
| Average total assets | $89,066,500 | 5,518 |
| Average earning assets | $81,727,500 | 5,493 |
| Average equity | $11,226,500 | 5,051 |
| Average total loans | $58,274,500 | 5,435 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9029% | 1,384 |
| Cost of funding earning assets | 2.3050% | 5,126 |
| Net interest margin | 4.5979% | 1,183 |
| Noninterest income to average assets | 0.4226% | 5,281 |
| Noninterest expense to average assets | 3.8500% | 1,661 |
| Loan and lease loss provision to assets | 0.0885% | 6,271 |
| Net operating income to assets | 0.6598% | 4,067 |
| Return on assets (ROA) | 0.6660% | 3,887 |
| Pretax return on assets | 0.7058% | 4,382 |
| Return on Equity (ROE) | 5.0995% | 4,333 |
| Retained earnings to average equity (ytd only) | -3.7950% | 6,283 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0153% | 2,179 |
| Assets per employee ($millions) | 2.4906% | 7,215 |
| Cash dividends to net income (ytd only)* | 174.4186% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 4,882 |
| Loan loss allowance to noncurrent loans | 460.0000% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.3268% | 6,300 |
| Noncurrent loans to loans | 0.2511% | 6,634 |
| Net loans and leases to total assets | 65.8655% | 4,875 |
| Net loans and leases to deposits | 94.9605% | 2,622 |
| Net loans and leases to core deposits | 108.2525% | 3,937 |
| Total domestic deposits to total assets | 69.3609% | 7,345 |
| Equity capital to assets | 12.8017% | 1,869 |
| Core capital (leverage) ratio | 11.6198% | 2,179 |
| Tier 1 risk-based capital ratio | 15.5224% | 2,838 |
| Total risk-based capital ratio | 16.5626% | 2,850 |
| Memoranda: | ||
| Average total assets | $90,388,600 | 5,342 |
| Average earning assets | $82,863,400 | 5,334 |
| Average equity | $11,805,000 | 4,887 |
| Average total loans | $62,171,400 | 5,174 |